Travel Insurance

Enjoy peace of mind during your trip

In 2009, 65% of Canadian travellers purchased travel insurance. That’s a lot of people who think travel insurance is a smart idea.

Your government health insurance plan may not cover all emergency medical expenses

Government health insurance plans may not cover all emergency medical expenses once you leave your home province/territory and typically cover only a limited portion once you leave the country. In fact, the Canadian Government (Consular Services, Foreign Affairs and International Trade Canada) urges all Canadians to purchase supplemental health insurance when leaving the country. They say:

“Do not rely on your provincial health plan to cover costs if you get sick or are injured while abroad. Out-of-country healthcare can be costly, and your health plan will cover only part of the bill at best.”

Plus, government health insurance plans don’t guarantee coverage for special care (air ambulance or emergency dental services, for instance). Government health insurance plans also don’t provide coverage for situations such as lost, damaged or delayed baggage or trip cancellation and interruption. Our travel insurance can provide these coverages and more.

Actual cases and costs for medical care in the U.S. (U.S. dollars)
Cardiac Catheterization & Bypass:
Arizona
10 day admission
$147,000.00
Motor Vehicle Accident:
Wyoming
13 day admission
$171,500.00
$15,900.00 ( Air Ambulance )
Fractured Femur:
Florida
6-day admission
$58,825

Your credit card coverage may be limited

Some credit cards provide emergency medical insurance when you are travelling outside Canada or your province/territory of residence. However, there may be important distinctions between what travel insurance covers and what your credit card’s insurance plan covers. For example, with a credit card, coverage might only apply to trips purchased on the card—or be limited to a fewer number of travel days. Before you take a trip, it’s a good idea to review any coverage provided by your credit card(s) to decide whether you need additional insurance.

Your employee benefits plan coverage may be limited

With health insurance under an employee benefits plan, out-of-country medical coverage may not be available, may not cover a spouse or dependents and often has limits on the number of travel days covered and amounts payable.

Before you take a trip, it’s a good idea to review any coverage provided by your employer to decide whether you need additional insurance.

You may need coverage for a range of situations

If you’re travelling aboard an airplane, train, bus or other public transport, there’s the chance that your flight or travels may be delayed (or cancelled altogether). Your luggage may be lost or damaged. Or you may have to cancel your trip or return home unexpectedly early due to a family emergency.

With Manulife™, you can choose a package or plan that covers you for these types of situations and more.

Consider this as well: 74% of Canadian travellers spent more than $1,000 per person per vacation in 2007. Almost half of those travellers spent more than $1,500 per person per vacation. That’s a big discretionary expense, one you no doubt want to protect. For the additional financial security you get, our travel insurance is a true bargain.