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Manulife Financial CoverMe Travel Insurance Review 2024

Updated: Feb 28, 2024, 7:30am

Manulife Financial’s CoverMe Travel Insurance offers a generous $10 million in emergency medical coverage, and mature travellers will benefit from the emergency medical coverage for pre-existing conditions. But if you’re looking for high levels of trip insurance, you might want to consider other options.

• Generous emergency medical coverage
• Coverage for pre-existing conditions
• COVID-19 Pandemic Travel Plan
• Lengthy medical questionnaire
• No CFAR coverage
• Lower trip benefits than other plans

Table of Contents

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Manulife Financial Corporation is a multinational financial services company offering financial advice, insurance and wealth management services.

Headquartered in Toronto with offices in Canada, Asia and Europe, as well as in the U.S. under the name John Hancock, Manulife started selling insurance in 1887. Today the company offers a bevy of insurance products, including health, life, mortgage protection and travel insurance.

Manulife Travel Insurance is underwritten by The Manufacturers Life Insurance Company (Manulife) and First North American Insurance Company (FNAIC), a wholly-owned subsidiary of Manulife.

Here are the key types of travel insurance coverage offered in Manulife travel insurance plans:

• Emergency medical insurance: If you get ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the coverage limits in your plan. These expenses can include doctor and hospital bills, medication and lab work.
• Trip cancellation insurance: If you cancel a trip for a reason listed in your travel policy, such as you or your travelling companion becoming ill, weather conditions causing a massive delay or you losing your job,   trip cancellation insurance can reimburse you for prepaid, non-refundable costs.
• Travel interruption or delay insurance: Trip interruption insurance can pay for a last-minute flight home in an emergency and money that you lose by cutting a trip short, such as non-refundable activities and hotel stays. If your flight is delayed , your insurance can cover the cost of incidentals, such as meals or accommodations, after a specified period of time, like 10 or 12 hours.
• Baggage insurance: Baggage travel insurance can compensate you up to your policy limits if your luggage is lost or stolen. It will reimburse the depreciated value of your suitcases and what you packed. If your bags are delayed, it can reimburse you for the cost of the necessities you’ll have to buy to tide you over. It also extends to your personal belongings, if lost, damaged or stolen.
• Travel accident insurance. This coverage offers compensation in the event of accidental death or catastrophic injury from an accident during your trip. Flight Accident Insurance covers injury while you’re on a commercial plane, during a connection or in an airport. Travel Accident Insurance covers death or dismemberment, including the loss of limbs or eyesight, while on your trip.

Manulife Financial Travel Insurance offers four plans:

All Inclusive: This is the most comprehensive plan offered by Manulife Financial that includes coverage for unforeseen medical emergencies, trip cancellation and interruption, travel accident, and baggage loss, damage and delay.

According to Manulife Financial, emergency medical treatment includes:

• Hospital accommodation up to a semi-private room
• Private duty nursing
• Rental or purchase of a hospital bed, wheelchair, brace, crutch or any other medical appliance
• Diagnostic tests
• Prescription drugs and medication
• Paramedical services, such as care from a chiropractor, osteopath, physiotherapist, chiropodist or podiatrist, up to $70 per visit for a maximum of $700 per covered injury
• Ambulance transportation
• Emergency dental due to a blow to the face (up to $3,000: $1,500 on your trip and $1,500 once you return home) or,
• Emergency dental due to pain, up to $300

Medical benefits also include coverage to bring someone to your bedside, expenses for meals, hotel accommodations and associated expenses if a medical delay prevents you from returning home, repatriation expenses, return of your remains if you die and a hospital allowance, for expenses such as parking and TV rental.

Manulife Insurance is secondary insurance, which means that coverage kicks in once any other benefit plan is exhausted.

Emergency Medical: If you’re only worried about medical emergencies while travelling, this plan offers all of the emergency medical coverage options of the all inclusive plan and includes hospital accommodations, physician fees, lab tests, private nurses and ambulance services.

Trip Cancellation/Interruption: If you have medical coverage elsewhere, such as a travel credit card , this will cover trip cancellation and trip interruption. It does not offer any baggage coverage or flight and travel accident coverage.

COVID-19 Pandemic Travel Plan: This plan provides emergency medical insurance for COVID-19 and related complications, as well as trip interruption insurance benefits if you need to quarantine. The maximum payable amount is $5 million for a medical emergency related COVID-19 if you are vaccinated and $1 million if you are not vaccinated. The $5 million in coverage can also be used in the event of a non-COVID related medical emergency.

Family coverage for up to four adults (parents and grandparents) and their unmarried dependent children or grandchildren may also be available for any of these plans. (If purchasing the COVID-19 Pandemic Plan, family coverage is available for up to two adults.)

In order to be eligible for coverage, the following must be true:

• All travellers are between 30 days old and 59 years old at the time of the application
• Adults are either a parent or grandparent of the dependent children or grandchildren
• Dependent children or grandchildren are unmarried and under age 21, a full-time student under age 26 or mentally or physically disabled

We’ve highlighted key benefits of Manulife CoverMe Travel Insurance for the single trip plan to help you identify which coverage is the best fit for you.

The price of a Manulife Financial CoverMe travel insurance plan depends on factors such as the cost of your trip, your age and the amount of coverage you choose.

Here are some examples of the cost for Manulife Financial CoverMe Travel Insurance single trip plans for healthy travellers based in Ontario. Each traveller is quoted individually.

With your emergency medical coverage, you can also add an optional deductible, or the amount you will pay out of pocket before your coverage kicks in, of $500, $1,000, $5,000 or $10,000.

Emergency medical: $5 million Cancel For Any Reason: Yes, 50% to 75% Baggage insurance (maximum): $1,500

Related: CAA Travel Insurance Review

TD Insurance

Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000

Related: TD Insurance Travel Insurance Review

Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $1,500

Related: Blue Cross Travel Insurance Review

Manulife Financial does not offer any insurance riders or add-ons.

Costco Executive members can save up to 5% on most Manulife insurance plan premiums.

Yes. You can buy multi-trip annual insurance if you travel more than once a year for multiple individual trips. Manulife Financial offers medical only coverage for four, 10, 18, 30 and 60 days and all inclusive coverage for four, 10, 18 or 30 days per trip. If you stay longer than the number of days you purchased, you can purchase a top-up. It’s important to note that the Multi-Trip All Inclusive plan is only available for purchase within 60 days of departure.

Here’s how the prices between single trip and multi-trip insurance for 18 days compare:

The Manulife Assistance Centre is available 24/7 and 365 days of the year and can help you when you’re faced with an emergency. Depending on the coverage provided by your insurance policy, support includes:

• Verifying and explaining coverage
• Referral to a physician, hospital or other health care provider
• Monitoring your medical emergency and keeping your family informed
• Arranging for return transportation home when medically necessary
• Arranging direct billing of covered expenses, wherever possible
• Assistance with lost, stolen or delayed baggage
• Assistance in obtaining emergency cash
• Translations and interpreter services in a medical emergency
• Help to replace lost or stolen airline tickets
• Assistance with obtaining prescription drugs
• Assistance in obtaining legal help or bail bond

For policyholders with emergency medical coverage, Manulife Financial Travel Insurance also offers StandbyMD, a medical concierge service. StandbyMD offers the following services 24/7:

• Teleconsultations with a physician who can assess your symptoms and provide treatment options
• A network of visiting physicians in 141 countries and over 4,500 cities
• In-network clinics close to the patient
• In-network ERs close to the patient

If you (or someone calling on your behalf) do not contact the Manulife Assistance Centre before receiving medical treatment, you may be limited to reimbursement of 80% of eligible medical expenses. It’s important to remember that certain services, such as MRIs, CAT scans, ultrasounds, biopsies and cardiovascular surgeries must be approved in advance of receiving treatment.

Manulife Financial will not pay any medical expenses related to a medical condition that is not stable for a set period of time before your coverage takes effect, either three months or six months depending on the rate category you qualify for when purchasing your policy based on your health status.

A medical condition is considered stable when all of the following are true:

• There has been no new treatment prescribed or recommended or change in existing treatment, including a stoppage in treatment.
• There has not been any change in medication, or any recommendation or starting of a new prescription drug.
• The medical condition has not become worse.
• There has not been any new, more frequent or more severe symptoms.
• There has been no hospitalization or referral to a specialist.
• There have not been any tests, investigation or treatment recommended but not yet complete, nor any outstanding test results.
• There is no planned or pending treatment.

In addition, Manulife will not cover any heart condition for which you’ve had to take nitroglycerin for angina pain in the three or six months before your effective date (the date your coverage starts), or any lung condition that required treatment with oxygen in the three or six months before your effective date.

However, Manulife Financial offers TravelEase insurance coverage for fully disclosed pre-existing medical conditions with up to $5 million in emergency benefits. Travellers interested in this coverage can call Manulife Financial for a quote.

There are a number of scenarios not covered by travel insurance and it’s critical to know what not to do before you make a claim only to be told you’re on the hook for all associated costs. The following are some of the most common issues not covered by travel insurance:

• A claim against an unstable pre-existing medical condition
• Self-inflicted injuries, unless medical evidence shows the injuries are related to a mental health illness
• Any claim resulting from a criminal offence or illegal act
• Any medical condition resulting from you not following prescribed treatment
• Any medical condition due to use or withdrawal from alcohol, drugs or other intoxicants, before or during your trip
• Routine pre-natal or post-natal care, or your pregnancy, delivery or complications of either nine weeks before or after your expected due date
• A child born on the trip
• Any non-emergency, experimental or elective treatment, such as cosmetic surgery, chronic care or rehabilitation
• A travel visa not issued in time due to a late application
• Failure of any travel agency, agent or broker
• Any loss suffered during an “Avoid all travel” or “Avoid all non-essential travel” advisories
• Any medical condition for which it was reasonable to believe you’d require treatment for during your trip or would produce symptoms before your trip
• Any act of terrorism or war

To be eligible for emergency medical insurance coverage, the following must apply:

• You are a resident of Canada and are covered under a government health insurance plan
• You are at least 30 days old
• You have not been advised by a physician not to travel
• You have not been diagnosed with a terminal illness or metastatic cancer
• You do not require kidney dialysis
• You have not been prescribed or used home oxygen in the last 12 months
• You have never had a bone marrow, stem cell or organ transplant, except for corneal transplant

There are additional eligibility criteria for travellers aged 60 and older based on their answers to a health questionnaire.

You can file a claim online 24/7 by visiting the Manulife online claims portal where you can start a new claim, submit your required documentation and follow the progress of your claim.

If you are making an emergency medical claim, documentation may include:

• Original itemized receipts for all bills and invoices
• Proof of payment by you and any other benefit plan (as Manulife is a secondary plan, meaning it pays out the balance not covered by any other insurance coverage)
• Medical records, including complete diagnosis by the attending physician or the hospital verifying that the treatment was medically necessary
• Proof of the accident if you are submitting a claim for emergency dental
• Proof of travel, including departure date and return date
• Your historical medical records, if required
• Police reports

For a trip cancellation and trip interruption claim, you may be asked to provide:

• A medical certificate stating why travel was not possible
• A police (or other responsible authority) report documenting the reason for the delay if your claim is due to a missed connection
• Original receipts for any travel accommodations made in advance and/or receipts for extra hotels, meals, telephone and taxi expenses

If you are making a baggage loss, damage and delay insurance claim, you will need to provide:

• Copies of reports from the authorities (police, hotel manager, tour operator, etc.) as proof of loss, damage or delay
• Proof that you owned the items and receipts for their replacement

To make submitting a claim easier, Manulife Financial also offers a TravelAid mobile app that gives policyholders immediate digital access to the Assistance Centre.

You must report a claim within 30 days of the occurrence, and you must submit proof of your claim within 90 days that a claim occurred or a service was provided. Money will be paid out within 60 days after all required documentation has been received and the claim is approved.

Manulife Financial CoverMe Travel Insurance FAQs

Does manulife financial pay for medical costs upfront.

According to the company, its Assistance Centre has existing relationships with medical providers in many vacation destinations to ensure emergency situations are handled “as smoothly as possible.” There is the caveat that some medical providers will require a deposit or assurance that they will be paid. However, the insurer adds that, “once the Assistance Centre is contacted and actively managing the case, the providers will directly bill Manulife and, in almost all cases, you will not see a bill.” Should you have to pay direct, Manulife will reimburse expenses once the claim documentation has been received and verified.

However, if you pay out of pocket for medical expenses without prior approval by Manulife’s Assistance Centre, eligible expenses will be reimbursed to you based on “reasonable and customary charges,” which may be less than what you paid.

Does Manulife Financial cover COVID-19?

Yes. If you have been fully vaccinated against COVID-19 at least 14 days before the start of your trip and your policy includes emergency medical benefits, Manulife will provide coverage for any unforeseen medical emergency related to COVID-19. If you’re required to quarantine, your emergency medical coverage will reimburse you for extra expense for meals, accommodation, telephone calls and taxi fares and/or the expense to bring you home. For policyholders with Trip Cancellation and Trip Interruption, COVID-19 is considered a “known event” and therefore will not be covered except for as part of one of the three scenarios below:

1) You become ill with COVID-19 and you’re unable to travel 2) You test positive for COVID-19 within 72 hours before you leave home 3) You lose your job as a result of the pandemic

Does Manulife Financial offer coverage extensions?

Yes. Your coverage is automatically extended for 72 hours starting on the final day of your trip due to a transportation delay. If you or your travelling companion are hospitalized, your coverage is extended for the period of hospitalization (to a maximum of 365 days), plus up to five days after discharge. If you or your travelling companion is unfit to travel due to a medical emergency that does not require hospitalization, your coverage is automatically extended for up to five days.

You can also request an extension if you want to stay longer on your trip, provided you apply before the expiry date of your policy and you haven’t made any claims or you’re not currently seeking treatment.

Does Manulife Financial require a medical questionnaire?

Yes. Travellers age 60 and over must complete a comprehensive medical questionnaire that asks questions about your eligibility for insurance. For example, if in the last 12 months you’ve had a new heart condition or an existing heart condition that required a change in medication or hospitalization, or if in the last four months you’ve been prescribed or taken six or more prescription medications (with some exclusions), you are not eligible for insurance. You may, however, be eligible for the TraveEase plan for pre-existing conditions. Additional questions are used to assign you to a certain rate category, which affects your premiums as well as your stability period. For example, if in the last five years you’ve been diagnosed with or treated for diabetes, a stroke or a lung condition, you’ll be assigned rate category C. Meanwhile, if in the last two years, you’ve been diagnosed with or treated for chronic bowel disease or kidney disorders, or been to the ER more than twice in six months, you’ll be assigned rate category B.

Also, if it’s discovered that you did not answer the questions truthfully or there are any errors in your claim, this may void your plan and/or your claim may be denied.

Does Manulife Financial have any age restrictions?

Yes. Travellers must be at least 30 days old. There is no maximum age limit, though family coverage is only available up to age 59.

When does my coverage with Manulife Financial begin?

If you purchase cancellation coverage, it begins the day you buy your policy and ends the day when you make a claim or leave on your trip. Your interruption coverage, if purchased, begins when you leave home. Your delay coverage begins once an insured risk prevents you from returning home as scheduled.

Can I get a refund with Manulife Financial?

You can cancel an emergency medical plan, both single trip and multi-trip, before the effective date of coverage. Refunds and cancellations are not available for any all inclusive plan.

Does Manulife Financial offer a free look period?

Yes. Manulife Financial offers a 10-day “Free Look” period where you can review and cancel your policy within 10 days of purchase if you have not already left for your trip and there is no claim in progress.

Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

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• Travel Medical Insurance

Few people can afford the financial burden of an unexpected injury or sickness while traveling. A medical emergency may require hospitalization or emergency transport home. Expenses for these and other services can be very significant, often much higher than in Canada. In most cases, Provincial Health Insurance Plans will not provide adequate protection for these and other risks. Travel Medical Insurance is designed to cover losses resulting from sudden and unforeseeable events.

A Travel Medical Insurance plan can cover many expenses resulting from a medical emergency including the following:

• Hospital room and board charges
• Emergency room charges
• Treatment by a physician
• X-rays and other diagnostic tests
• Use of an operating room
• Ambulance service
• Drugs and medication
• Rental or purchase of medical equipment
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• Private duty nursing
• Professional/Paramedical services
• Emergency dental treatment
• Emergency transportation
• Return of vehicle
• Return of deceased

Travel Medical Insurance plans generally contain a pre-existing condition. This clause typically excludes coverage for the continuing treatment, recurrence or complications relating directly or indirectly to a medical condition for which a consultation or investigation was made, or treatment was received for a certain period prior to travel (usually between three months and one year). Some medical conditions are also excluded from coverage outright and/or result in plan ineligibility.

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Manulife covid-19 pandemic travel plan insurance available in october.

September 16, 2020  

TORONTO  –Coming this October, the Manulife COVID-19 Pandemic Travel Plan will be available to Canadians travelling in Canada and internationally, including to countries with a Level 3 Travel Advisory. The policy will provide Emergency Medical coverage, including specific additional coverage for COVID-19 and related conditions. It will also include added Trip Interruption benefits in the event of quarantine.

The Manulife COVID-19 Pandemic Travel Plan will be available to Canadians through Manulife’s distribution channels including travel agents, brokers, advisors, sponsors, and for direct purchase through Manulife CoverMe.

As the largest travel insurance provider in Canada, Manulife understands that some Canadians have family, business and other important reasons for travelling in-country and to global destinations – and today, more than ever before, they need specialized coverage that helps protect them in the event they fall ill due to COVID-19. 

“The pandemic has had extraordinary impacts on the day-to-day lives of Canadians, and at Manulife, our top priority remains the health and safety of our customers, employees, partners and communities. This specialized travel insurance is aimed at helping protect what matters most,” said Alex Lucas, Head of Insurance, Manulife.

The policy will provide the coverage below:

For more information about the Manulife COVID-19 Pandemic Travel Plan, click here .

About Manulife

Manulife Financial Corporation is a leading international financial services group that helps people make their decisions easier and lives better. With our global headquarters in Toronto, Canada, we operate as Manulife across our offices in Canada, Asia, and Europe, and primarily as John Hancock in the United States. We provide financial advice, insurance, and wealth and asset management solutions for individuals, groups and institutions. At the end of 2019, we had more than 35,000 employees, over 98,000 agents, and thousands of distribution partners, serving almost 30 million customers. As of June 30, 2020, we had $1.2 trillion (US$0.9 trillion) in assets under management and administration, and in the previous 12 months we made $30.6 billion in payments to our customers. Our principal operations are in Asia, Canada and the United States where we have served customers for more than 155 years. We trade as 'MFC' on the Toronto, New York, and the Philippine stock exchanges and under '945' in Hong Kong.

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Shabeen Hanifa Manulife 416-697-7684 [email protected]

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• Single Trips
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Single-trip Plans

• Up to $1 million CAD to cover emergencies related to COVID-19 (up to $5 million CAD if received full course of immunization for COVID-19)
• Up to $5 million CAD to cover emergency medical costs unrelated to COVID-19
• Trip Interruption coverage in the event of quarantine and COVID-19

Emergency medical benefits*

Health services.

• Hospital and physician services
• Paramedical services
• Emergency dental treatment
• Hospital allowance

Transportation

• Emergency medical return home
• Visit to bedside if travelling alone
• Return home of children in care of insured, travel companion, pet, vehicle
• Return of excess baggage

Additional protection

• Extra meal, hotel, childcare and phone call costs
• Expenses related to death
• Terrorism coverage*

Note: You are eligible for $5 Million CAD coverage if you have received the full course of immunization for Coronavirus (COVID-19) that is authorized by Health Canada. It must be taken according to manufacturer’s recommendation before your effective date. You must also wait the applicable period of time for it to become fully effective based on the manufacturer's recommendation, or as dictated by the applicable health authority, before your departure date.

Trip Interruption Benefits

• up to $200 per insured person per day for your additional and unplanned commercial hotel and meal expenses to a maximum of $2,800 if you are unexpectedly required to self-isolate or quarantine. Family coverage maximum is $400 per insured family per day to a maximum of $5,600.

Important information about cruise travel: If you have not received the vaccine, this policy does not provide any coverage for Coronavirus (COVID-19) and related complications on a cruise or at any destination included in your cruise itinerary.

Exception: For children 11 years old or younger who are not eligible to receive the vaccine, Coronavirus (COVID-19) coverage will be provided when travelling with at least one parent or guardian on the same cruise booking who has received the vaccine.

We will not pay any expenses related to the cost of and any expenses for a Coronavirus (COVID-19) test that is mandated by any body with appropriate authority (such as a government or a transportation service) for entry into or exit from a country/jurisdiction or to use its services.

* If the claim is a result of an act of terrorism, benefits may be limited. Other exclusions, limitations and conditions apply. See the policy for details.

• Up to $10 million in emergency medical benefits 
• Covers a wide range of risks – from ambulance transportation to paramedical services
• Save 50% when travelling only within Canada
• Extra meal, hotel, child care and phone call costs
• Trip break without terminating coverage
• Return to original trip destination
• Up to $3,500/insured in trip cancellation/interruption benefits
• Baggage loss, damage and delay insurance
• Flight and travel accident insurance

Trip cancellation/interruption insurance*

• Reimburses prepaid, non-refundable, non-transferable portion of a trip cancelled or interrupted by – for example:
• Unexpected medical emergency or death of insured, insured's travel companion, an immediate family member or key person
• Business meeting cancelled
• Travel advisory issued by Canadian government
• Travel visa not issued
• Travel host hospitalization or death
• Missed connection

Baggage loss, damage & delay insurance

• Up to $100 for replacement of passport, driver's licence, birth certificate or travel visa
• Up to $500 for toiletries and clothing after luggage delay of at least 10 hours
• Up to $300/trip for any item or set of items to a maximum of $1,000

Flight & travel accident insurance

• $100,000 for a flight accident and $50,000 for a travel accident that results in the insured's death, blindness or double dismemberment within 365 days
• $50,000 for a flight accident and $25,000 for a travel accident that results in the insured's blindness in one eye or single dismemberment within 365 days
• Only one benefit payment (the largest applicable) per trip
• Up to covered amount purchased to a maximum of $20,000 
• Covers a wide range of risks – from unexpected medical emergencies to cancelled business meetings
• Buy separately if this is all that's needed

For all Emergency medical and All-inclusive plans, the minimum age is 30 days. There is no maximum age.

** For family coverage, all family members must have coverage that starts and ends on the same dates. Family coverage cannot be combined with travel companion savings.

Start a quote

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Your client must confirm with the appropriate Provincial/Territorial service centre that government health insurance plan coverage will continue throughout the trip.

More than two travellers require a medical questionnaire so this application cannot continue online.

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• Single-Trip Emergency Medical 1 of 5
• Single-Trip All-Inclusive 2 of 5
• Single-Trip Travel Canada Emergency Medical 3 of 5
• Trip Cancellation & Interruption 4 of 5
• COVID19 Pandemic Travel Plan 5 of 5
• Multi-Trip Emergency Medical 1 of 2
• Multi-Trip All-Inclusive 2 of 2
• Emergency Medical Top-Up 1 of 1
• Emergency Medical Plan 1 of 1
• Canadian Studying in Canada Outside the Home Province 1 of 3
• International Student Studying in Canada 2 of 3
• Canadian Studying Outside Canada 3 of 3

Single Trip COVID-19 Pandemic Travel Plan Insurance for Canadians

Plan overview.

Emergency Medical benefits up to $5,000,000 for non COVID-19 related claims or up to $1,000,000 for COVID-19 related expenses for:

• Emergency treatment
• Paramedical services
• Ambulance transportation
• Emergency dental treatment
• Emergency medical evacuation home
• Repatriation of bodily remains
• Bringing someone to your bedside
• Return home of children in the care of the insured
• Return home of travel companion
• Additional expenses for meals and hotel
• Return home of vehicle
• Hospital allowance
• Return of excess baggage
• Phone call expenses
• Terrorism coverage

Note: You are eligible for $5 Million CAD coverage if you have received the full course of immunization for Coronavirus (COVID-19) that is authorized by Health Canada. It must be taken according to manufacturer’s recommendation before your effective date. You must also wait the applicable period of time for it to become fully effective based on the manufacturer's recommendation, or as dictated by the applicable health authority, before your departure date.

Interruption benefits include :

• up to $200 per insured person per day for your additional and unplanned commercial hotel and meal expenses to a maximum of $2,800 if you are unexpectedly required to self-isolate or quarantine. Family coverage maximum is $400 per insured family per day to a maximum of $5,600.

Important information about cruise travel: If you have not received the vaccine, this policy does not provide any coverage for Coronavirus (COVID-19) and related complications on a cruise or at any destination included in your cruise itinerary.

Exception: For children 11 years old or younger who are not eligible to receive the vaccine, Coronavirus (COVID-19) coverage will be provided when travelling with at least one parent or guardian on the same cruise booking who has received the vaccine.

We will not pay any expenses related to the cost of and any expenses for a Coronavirus (COVID-19) test that is mandated by any body with appropriate authority (such as a government or a transportation service) for entry into or exit from a country/jurisdiction or to use its services.

Eligibility

To be eligible for insurance under this policy, an applicant must be a resident of Canada and covered under a Canadian, provincial or territorial government health insurance plan.

Applicants age 60 or over need to complete the Medical Questionnaire to determine their eligibility and rate category.

Emergency Medical coverage can be purchased for trips up to the number of days allowed by the insured's government health insurance plan. 

Application & Medical Questionnaire

• Can be completed up to 180 days prior to the effective date.
• Single-Trip plans must be purchased for the entire duration of the trip.

Eligibility and Rate Category

At the time of application, if the applicant is:

Under Age 60:

you automatically qualify for Rate Category A. You must confirm your eligibility to purchase this plan and you do not need to complete any medical questions to determine your rate category.

Over Age 60:

you need to complete the medical questionnaire to determine your eligibility and rate category.

Individual Medical Underwriting Plan for any age,

if you would like your pre- existing medical conditions to be covered with no stability requirements, you can apply for emergency medical coverage under Manulife’s Individual Medical Underwriting Plan. Simply call 1-877-884-8283.

You will need to be able to answer questions related to your medical condition(s) and will need to know your travel dates and your agent’s selling code in order to receive a quote.

Your cost will vary according to your specific health needs and circumstances.

When you pay the quoted premium for the Individual Medical Underwriting Plan, your pre-existing medical conditions will be covered during your trip with no stability requirement.

TRAVEL TIP: Be sure to review your policy and all documents when you purchase the Manulife Individual Medical Underwriting Plan to ensure that all your medical conditions have been disclosed and that you have answered all questions truthfully and accurately. If you omit or inaccurately disclose any medical condition, you may not be covered for any condition in the event of a claim.

Pre-Existing Medical Condition Exclusions

Rate category determines the duration of the stability period required for coverage of a pre-existing medical condition..

Manulife Financial Travel Insurance will not cover any expenses relating to a…

Pre-existing medical condition:

Heart condition:, lung condition:, pre-existing medical condition, medical condition.

“Medical Condition’ means any disease, sickness or injury (including symptoms of undiagnosed conditions).

A medical condition is considered stable when all of the following statements are true:

• there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and
• there has not been any change in medication, or any recommendation or starting of a new prescription drug, and
• the medical condition has not become worse, and
• there has not been any new, more frequent or more severe symptoms, and
• there has been no hospitalization or referral to a specialist, and
• there have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
• there is no planned or pending treatment.

All of the above conditions must be met for a medical condition to be considered stable.

Coverage Start & End Dates

Effective dates and expiry dates, coverage starts on the later of:.

• the departure date; or
• the effective date as shown on the confirmation.

Coverage ends on the earliest of the following:

• the expiry date as shown on the confirmation
• the date the policyholder returns home

Refunds & Extensions

A full refund must be requested before the effective date of coverage.

If you return home early, you can apply for a partial refund of premium (minimum $25.00) for the unused coverage providing there has been or will be no claim reported or initiated against the policy, no assistance service has been provided and that you as the policyholder have mailed a written refund request within 5 days of your return, along with proof of the date you actually returned home. Proof of early return (for example, customs or immigration stamp, gas receipts) is required.

All travellers insured under the same policy must return together to be eligible for a refund.

Extensions: If you are already on your trip and need to apply for an extension of your coverage, before the expiry date of your existing coverage, simply call the agent or broker from whom you purchased your coverage. You may be able to extend your coverage, as long as:

• the total length of your trip outside of Canada, including the extension, does not exceed the maximum allowed by your government health insurance plan;
• you pay the additional premium; and
• there has been no event that has resulted or may result in a claim against the policy and there has been no change in your health status.
• Premium rates are in $CDN per person.
• 2 X the premium rate for one parent/grandparent travelling with dependent children/grandchildren;
• 2 X the premium rate for two parents/grandparents travelling with dependent children/grandchildren;
• 2 X the premium rate for three generations of parents and grandparents with dependent children/grandchildren.
• Rates are subject to change without notice.
• The rate category;
• The age at the time of application; and
• The trip length.
•  The date of departure; and
•  The date of return.
• Coverage will not take effect if the applicant's method of payment is not honoured when presented for payment.

Important Information

• Contact the Assistance Centre before receiving treatment while on a trip. Manulife Financial Travel Insurance has a 20% co-insurance provision that may limit the benefits if you do not call or contact the Assistance Centre. In addition, specific covered eligible benefits may be limited or not covered if the Assistance Centre has not been contacted.
• If you are submitting a paper application, make sure it is signed and dated prior to the effective date. If coverage is not arranged prior to the effective date, coverage begins on the day following Manulife's or the advisor/agent’s receipt of the executed confirmation form and payment. In the event we are unable to process payment, coverage will not be in effect.
• Read the policy with particular attention to "pre-existing medical condition" and other exclusions that apply to the coverage.
• The Wallet Card and Manulife Financial Travel Insurance policy should be kept with you at all times when travelling. The Wallet Card includes telephone numbers in case of an emergency or if an extension is required. The Wallet Card is found in the policy.

Top health trends impacting the workforce

April 24, 2024

For business owners, plan sponsors and administrators

Summary:  We are examining Manulife’s aggregate claims data (across our block of group benefits business) along with key findings from The Wellness Report 2023, an employee health and well-being survey, to highlight the top health trends impacting your workforce.  1

Two big trends stood out in the medication claims data in 2023. The use of anti-obesity medications among plan members has grown substantially, increasing 42.3% year-over-year, and 91.9% since 2020. The number of individuals submitting claims for medications used to treat substance use disorder grew by 52.0% since 2020, and 17.2% from 2022 to 2023. 2   The Wellness Report has found on average, organizations are losing 49 days of productivity per employee per year due to absenteeism and presenteeism, while the top 3 performing organizations with the healthiest workplace cultures, are experiencing 13 additional days of productivity compared to their counterparts.

Understanding these trends can help guide you in developing targeted strategies and wellness initiatives that can support employee health in your organization.

42.3% increase in people using anti-obesity drugs 2

Examining trends in the number of unique claimants (individuals who have made a claim) for anti-obesity medications reveals that more individuals are seeking medical interventions to address obesity and weight-related concerns.

Our claims data show there was a 42.3% increase in the number of individuals submitting claims for anti-obesity drugs in 2023, and a total increase of 91.9% since 2020. 2

This trend highlights the prevalence of weight management concerns in Canada, and the increasing recognition of obesity as a chronic health condition that can benefit from a variety of management methods, including medications. This trend could also be driven by the availability of newer and effective anti-obesity medications, and increased interest in pharmaceutical options for weight management.

Later in this report we will delve further into this trend and outline ways employers can support individuals around weight management in the workplace.

Read more about the importance of a supportive workplace: Benefits of weight loss medication coverage

More employees seeking treatment for substance use disorder

There has been a substantial 17.2% increase in unique claimants for drugs used to treat substance use disorders (specifically, alcohol and opioid use disorders), and a total increase of 52.0% since 2020. 2

These numbers emphasize that there is a significant need for supports related to substance use disorders, and the ongoing importance of supporting individuals with these conditions. For example, this support may include offering the Employee and Family Assistance Program (EFAP) and providing coverage for comprehensive treatment.

Later in this report we look more closely at the topic of substance use and examine ways you can assist employees who are seeking treatment while promoting awareness, recovery, and mental well-being for those who are needing support.

Health trends from The Wellness Report 2023

Workplace well-being has become a top priority for many organizations and leaders are continually looking for ways to be more proactive when it comes to employee health. And for good reason. There are many studies that show clear benefits of investing in people. From increased engagement to higher productivity, creating a company culture that values employee health and well-being has been shown to pay off. 4

The Wellness Report 2023 has revealed promising results for employers who prioritize employee health and well-being. On average, organizations are losing 49 days of productivity per employee per year due to absenteeism and presenteeism. 1 However, the top 3 performing organizations are gaining 13 additional days of productivity per employee compared to their counterparts.1 The top 3 organizations are determined based on how they score against several indicators related to workplace culture.

The difference in productivity can be partially explained by the positive perception employees can have when their employer demonstrates genuine concern for their well-being.

Maarika Arget, a Workplace Well-Being Consultant with Manulife, emphasizes the impact of this perception, saying, "When an employee feels that their employer genuinely cares about their well-being, they are more likely to feel valued in the workplace, actively engage in healthy habits, and utilize the benefits plan provided to them."

Read more: Why workplace health clinics should be part of your wellness program

The top health conditions for drug, paramedical spend

Examining the top conditions for spending on drugs and paramedical services, the greatest drug spend in 2023 was for drugs used to treat immune disorders , such as inflammatory and rheumatologic conditions, and diabetes . 2

While the medications used to treat immune disorders can be expensive, they are often life-changing and help the individual optimize their function despite an otherwise chronic and potentially debilitating illness. Because rates of diabetes in Canada are high (and continue to increase), this contributes to high levels of reimbursement for medications. Newer diabetes medications can be expensive as well, but these medications are showing early signs of strong outcomes, including benefits for related conditions such as cardiovascular disease. 5

Fortunately, in addition to medication, Manulife offers key resources like health coaching and lifestyle supports to further support your employees with chronic health conditions, including immune disorders and diabetes.

Read more: Employees with diabetes aren’t accessing dietitians and other supports available through their plans

The top paramedical spend was for services commonly used to treat musculoskeletal injuries and/or pain (which includes practitioners such as physiotherapists and massage therapists) and mental illness (which includes coverage for psychotherapists and social workers). 2

High usage for these services shows that these conditions may be prevalent in the workplace, and that employees are looking to their benefits plans for resources to improve their physical and mental health. It also highlights the need for employers to continually explore different ways to help prevent mental and physical health conditions, such as reducing stressors associated with the workplace and/or reducing the risk of musculoskeletal injuries. Read more about ways you can build a workplace that supports musculoskeletal health: Supporting musculoskeletal health is good for business

Mental health and short- and long-term disability trends

The top reasons for both short-term and long-term disability include mental illness, followed by musculoskeletal conditions. 6 The average age of long-term disability claimants is 47 years old and more than half (55%) are women.

While disability claims are often caused by mental health conditions, chronic illnesses, or physical injuries, workplace stress can sometimes be a contributing factor. The demanding nature of certain jobs, coupled with high-pressure environments, can worsen mental health conditions such as anxiety and depression or other chronic conditions, which can contribute to rates of short- or long-term disability claims. 7

According to The Wellness Report , when asked about workplace-related stressors, 27% of respondents viewed their work-life balance as problematic. However, this rate is only 18% among employees at the top 3 organizations. 1 In addition, perceived lack of involvement and influence, which is when employees feel they are not included in discussions about how their work is done and how important decisions are made, can be linked to stress in the workplace. The Wellness Report found that 26% of respondents feel that is a problem they face, while the top 3 organizations reported this as an issue only 17% of the time. 1

Additionally, workplace stress can be a non-medical barrier impacting the length of a disability claim. For example, an individual on short- or long-term disability might be more reluctant to return to work if they know they're returning to a stressful work environment.

Employers may focus on reducing work-related stressors by prioritizing best practices such as promoting work-life balance and actively involving employees in decision-making processes. 9

The Mental Health Commission of Canada has a national standard to guide organizations on psychological health and safety in the workplace including promoting mental health and preventing psychological harm at work. 9

Providing employees with adequate mental health coverage is also an important consideration. Read more here: Mental health gaps and how your plan can better support employees

Sources and notes:

1 The Wellness Report 2023. The report encompasses findings from three surveys conducted across 99 organizations, involving a total of 8,728 employees.

2 Manulife aggregate claims data, 2023

3 Ozempic® is not included in this analysis of anti-obesity medication. Health Canada has approved Ozempic® for the treatment of Type 2 diabetes and not for the treatment of obesity.

4 https://www.forbes.com/sites/forbesbusinesscouncil/2022/11/04/the-rise-of-corporate-wellness-to-support-employee-retention/?sh=73a534694649 , 2022

5 https://news.harvard.edu/gazette/story/2022/08/diabetes-drugs-may-reduce-cardiovascular-deaths/ 2022 

6 Manulife aggregate disability claims data, 2023

7 https://www.ccohs.ca/oshanswers/psychosocial/stress.html , 2024

8 https://www.ohscanada.com/opinions/how-can-employers-reduce-workplace-stress/ , 2022

9 https://mentalhealthcommission.ca/national-standard/ , 2024  

Related articles:

Heart Health Insights

We share trends Manulife identified in the drug and disability claims we process for heart-related conditions.

The power of rest: A special report on employee sleep

Manulife aggregate drug claims data shows there are certain industries with more claims for sleep medications. This Special Report provides practical tips and strategies for employers to help their employees achieve better sleep quality and overall well-being, including recommendations for creating a sleep-friendly workplace environment and promoting healthy sleep habits.

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Manulife’s Genesis offers long-term wealth transfer

The plan promises up to 4.29% TIRR in 10 years.

Manulife Hong Kong has launched a new participating life insurance savings plan designed to help customers accelerate their long-term savings.

The Genesis plan allows customers to pay premiums for five years to unveil a TIRR of up to 4.29% at the end of the 10th policy year, and a TIRR of up to 7.19% at the end of the 100th policy year, allowing for potential wealth transfer to the next generation. 

The plan also offers several first-in-market features, including:

• A withdrawal option that enables customers to receive a regular non-guaranteed income without cashing in their policy;

ALSO READ: Manulife Financial holds investor day events in Hong Kong and Jakarta

• An advance benefit for designated critical and mental illnesses, and a value-added service that allows customers to transfer the policy at a designated date or age of the successive policy owner.

Additionally, Manulife announced an upgraded version of the Whole-in-One Prime (WIOP3) plan, which assists individuals with protection and management goals. It now offers a range of premium payment periods, including single premium, five years, and 10 years. 

WIOP3 provides death benefits and flexibility in premium payment, making it accessible to a wider customer base. It includes features like a flexible premium prepayment option and death benefit settlement, ensuring comprehensive coverage and flexibility for customers' needs.

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