Single-Trip Emergency Medical
Emergency medical protection for one trip of a specified duration.
- Up to $10 million on the standard plan
- Travel within or outside Canada
- Trips may be available up to 365 days
- Medical questionnaire rules depend on age
Travelling Canadians · Independent advisor guidance
Manulife Travel Insurance for Travelling Canadians
Compare emergency medical, all-inclusive, single-trip, multi-trip and pre-existing-condition options for travel outside your province, territory or Canada.
✓ Canadian travel insurance guidance
✓ Help with medical questionnaire selection
✓ Call and WhatsApp support
Quick answer: What is Manulife travel insurance for Canadians?
It is travel insurance for Canadian residents who are leaving their home province or territory. Depending on the plan, it can help pay eligible emergency medical expenses and may also cover trip cancellation, trip interruption, baggage problems and travel accidents. The appropriate plan depends on the number and length of your trips, your age, your health history and the non-medical benefits you need.
Choose by travel pattern
Which Manulife travel insurance plan may fit your trip?
The cards below are a practical starting point. Your confirmation and policy wording determine the actual coverage.
Multi-Trip Emergency Medical
Annual coverage for multiple trips, subject to the selected maximum duration for each trip outside Canada.
- Trip options commonly include 4, 10, 18, 30 or 60 days
- Unlimited covered trips during the policy year
- No selected trip-duration limit for travel within Canada
- Top-up may be available for longer trips
TravelEase
Designed for travellers whose pre-existing medical conditions need to be reviewed through medical underwriting.
- Available in single-trip and selected multi-trip versions
- Medical questionnaire required
- Disclosed conditions may be approved for coverage
- Acceptance and terms depend on underwriting
All-Inclusive Plans
Combine emergency medical coverage with selected non-medical benefits.
- Emergency medical benefits
- Trip cancellation and interruption
- Baggage loss, damage or delay
- Flight and travel accident benefits
Emergency Medical Top-Up
Add days to eligible coverage from a credit card, employer, Manulife annual plan or another insurer. A request may be possible after departure when made before the existing coverage expires.
- Useful when the current plan ends before your return
- Must be requested before existing coverage expires
- Approval, health conditions and additional premium apply
- Keep both confirmations and avoid any coverage gap
Youth Plans
Selected all-inclusive or deluxe choices may be available for eligible younger travellers.
- Emergency medical coverage
- Trip cancellation and interruption benefits
- Baggage and travel accident benefits
- Plan-specific maximums apply
Simple comparison
Single-trip, multi-trip or all-inclusive?
Use this table to identify the category to discuss with your advisor.
| Feature | Single-Trip Medical | Multi-Trip Medical | TravelEase | All-Inclusive |
|---|---|---|---|---|
| Designed for | One trip | Multiple trips in one year | Conditions needing underwriting | Medical plus non-medical risks |
| Emergency medical | Included | Included | Included, subject to underwriting | Included |
| Trip cancellation | Not normally part of medical-only plan | Not normally part of medical-only plan | Check selected plan | Included up to plan limits |
| Medical questionnaire | Generally under age 60: not required; age 60+: may be required | Generally under age 60: not required; age 60+: may be required | Required | Generally under age 60: not required; age 60+: may be required |
| Pre-existing conditions | Subject to stability exclusion | Subject to stability exclusion | May be approved through underwriting | Subject to plan stability rules |
| Good starting choice when | You travel once | You travel several times | You need a condition individually reviewed | You have prepaid travel costs or want baggage coverage |
This is an educational comparison, not a contract. The availability and wording of plans can change.
Emergency medical benefits
What can Manulife emergency medical travel insurance cover?
Eligible expenses may include the following, up to the limits and conditions in the specific policy.
Hospital and physician care
Eligible emergency hospital accommodation, physician services, surgery and medically necessary care.
Ambulance and medical transportation
Ground or air transportation when medically necessary and approved under the policy.
Prescription medication
Eligible prescription drugs required for the covered emergency, subject to duration and benefit limits.
Diagnostic tests
Emergency-related laboratory tests, X-rays and other approved diagnostic services.
Emergency dental
Relief-of-pain treatment and accidental dental benefits, subject to separate maximums.
Paramedical services
Selected services from registered professionals such as chiropractors or physiotherapists, within policy limits.
Return home or medical repatriation
Approved transportation home when medically necessary or more appropriate than continued treatment abroad.
Bedside companion
Eligible travel costs to bring a family member or other person to your bedside after a qualifying hospitalization.
Extra meals and accommodation
Additional hotel, meal and transportation costs when a covered medical emergency delays your return.
Other return arrangements
Selected benefits may help return a travel companion, dependent children, a pet or baggage.
Health history and eligibility
How the medical questionnaire and pre-existing-condition rules work
Medical accuracy is one of the most important parts of buying travel insurance. Never guess, minimize a condition or answer based only on a medication name.
General eligibility starting points
- Be at least 30 days old.
- Live in Canada.
- Remain covered by a government health insurance plan for the full trip.
- Meet the plan's health and travel eligibility requirements.
When is a medical questionnaire required?
Under age 60The standard Emergency Medical and All-Inclusive comparison materials state that a questionnaire is generally not required at application.
Age 60+A questionnaire may be required to determine eligibility and rate category.
TravelEaseA medical questionnaire is required because medical underwriting is used.
List every condition and medication
Prepare diagnoses, medications, dosages, recent changes, tests, referrals, hospital visits and specialist care.
Use the exact questionnaire
Read the date range and medical wording carefully. The meaning of “treated,” “investigated” and “change” matters.
Keep your records
Save the completed application, confirmation, policy, questionnaire and any advisor notes before departure.
Know before you travel
What is commonly not covered?
The policy contains detailed exclusions and limitations. The examples below are not the complete list.
Unstable pre-existing conditions
Claims related to a condition that does not meet the applicable stability requirement may be excluded.
Non-emergency or elective care
Routine, experimental, elective, cosmetic, chronic or rehabilitation care is generally outside emergency travel coverage.
Expected treatment
Travel for the purpose of receiving treatment, or care that could reasonably be expected before departure, may not be covered.
High-risk activities
Professional or paid sports and selected extreme or hazardous activities may be excluded or limited.
Alcohol, drugs or illegal acts
Losses linked to excessive alcohol, non-prescribed drugs, self-harm or criminal activity can be excluded.
Pregnancy and newborn care
Routine pregnancy care, delivery near the expected due date and a child born during the trip can be excluded or limited.
Policy-first rule: The policy wording and your confirmation always take priority over summaries, sales pages and verbal explanations.
Emergency and claims guidance
What should you do during a medical emergency?
Contact the Assistance Centre immediately or as soon as medically possible. Keep your policy number, passport and provincial health card available.
The uploaded policy wording states that failure to contact the Assistance Centre before treatment can result in 20% co-insurance on eligible medical expenses the plan would normally pay, unless it was medically impossible to call.
Emergency assistance — Canada or USA1-888-881-8010
Collect where available+1-519-945-8346
Before treatment when possible: Call for coverage confirmation, provider referral, treatment coordination and pre-approval. Direct billing may be arranged where available.
Always verify: Use the telephone numbers shown on your current confirmation, wallet card or policy because contact information may change.
Top-up coverage after departure
Can you buy Manulife top-up coverage after leaving Canada?
You may be able to request an extension or top-up while you are already travelling, but it is not automatic. The request must be made before your existing coverage expires, and Manulife's approval conditions must be satisfied.
When a top-up or extension may be considered
Contact the agent or broker who arranged your coverage before the current policy or trip-duration limit ends. The reviewed policy says an extension may be available when all applicable requirements are met.
- The total trip outside Canada, including the extra days, must remain within the maximum permitted by your provincial or territorial government health insurance plan.
- You must pay the additional premium.
- There must have been no event that resulted or may result in a claim and no change in your health status.
- The extension is subject to approval by the Assistance Centre.
- Coverage cannot be extended beyond 12 months after the date you first left home.
Check the expiry date
Confirm the date your present policy or selected multi-trip duration ends.
Contact your agent early
Call the agent or broker who sold the coverage before the current protection expires.
Complete the review
Health questions, trip details, approval and additional premium may be required.
Confirm there is no gap
Keep the written confirmation and make sure the dates cover the entire remaining trip.
Example: extending a trip while already abroad
You planned to return before your existing coverage ended, but now need ten additional days. Contact your agent before the existing expiry date. When the request meets the policy conditions and is approved, the additional coverage can be issued for the eligible extra days. Coverage is not guaranteed until the insurer approves the request, receives the required premium and issues confirmation.
Multi-trip top-upTop-up coverage may be purchased when a trip is longer than the selected maximum trip length or extends beyond the multi-trip plan expiry date. A new multi-trip plan may also be an option when there is no lapse and the policy conditions are met.
Other insurerWhen the existing multi-trip plan is not underwritten by Manulife, confirm that the original plan permits a Manulife top-up without loss of coverage.
Health questionsYou may be required to answer health questions when applying for top-up coverage.
Free lookThe reviewed policy gives 10 days to request a refund when you have not departed and no claim is in progress.
Early returnSelected single-trip plans may permit a partial refund when the policy conditions are met. Multi-trip plans are generally not refundable under the reviewed wording.
Instant online quotation
Ready to see your Manulife travel insurance price?
Continue to the existing PankajBhatia.ca travel quotation page. Enter your trip details once, review the available Manulife option and compare other available plans when useful.
- Fast self-serve quote for straightforward applications
- Manulife pricing displayed with available plan details
- Opportunity to compare other insurers before purchasing
- Advisor help remains available for medical questions
Secure quote journey
Continue to Instant Travel Quotes →
Get an instant Manulife quote
You will be directed to the travel quote page to enter your province, traveller age, destination and travel dates.
1Enter trip details
2Review Manulife pricing
3Compare and apply
Why compare? Manulife may be a strong fit, but age, health history, destination, trip length and required benefits can make another available plan more suitable.
Have a medical condition or uncertain answer?
Do not guess. Ask for guidance before completing the official application.
Open FAQs for search and voice answers
Frequently asked questions about Manulife travel insurance for Canadians
All answers remain visible on the page so users and search systems can read them without opening an accordion.
What does Manulife travel insurance cover for Canadians?
Depending on the plan, it may cover eligible emergency hospital and medical care, ambulance services, prescription drugs, diagnostic tests, emergency dental care and medical transportation. All-inclusive plans may also cover cancellation, interruption, baggage and travel accidents.
How much emergency medical coverage is available?
Many standard Manulife plans for travelling Canadians provide up to $10 million in combined eligible emergency medical benefits. The policy maximum is not a guarantee that every expense is covered.
Who is eligible for Manulife travel insurance for Canadians?
General requirements include living in Canada, being at least 30 days old, maintaining provincial or territorial government health insurance for the full trip and meeting the plan's eligibility requirements.
Do I need a medical questionnaire?
The standard comparison materials state that a questionnaire is generally not required when applying under age 60. It may be required at age 60 or older. TravelEase requires medical underwriting and a questionnaire.
Does Manulife cover stable pre-existing conditions?
Some standard plans may cover claims related to pre-existing conditions that meet the applicable stability period. The reviewed wording uses 3-month or 6-month stability periods depending on age and rate category.
What does “stable” mean in a travel insurance policy?
Stable is a defined term. It generally requires no specified change in symptoms, diagnosis, treatment, medication or medical investigation during the applicable period. Read the exact definition in the policy issued to you.
What is TravelEase?
TravelEase is designed for travellers whose disclosed medical conditions need to be reviewed through medical underwriting. Coverage is subject to approval and the terms offered after the review.
Should I buy single-trip or multi-trip insurance?
Single-trip coverage is designed for one trip. Multi-trip coverage is often more convenient for several trips during one year, as long as each trip fits the selected maximum duration.
How many days can a multi-trip plan cover?
The reviewed Multi-Trip Emergency Medical plan offers maximum trip-duration options of 4, 10, 18, 30 or 60 days for travel outside Canada. Covered travel within Canada does not use those selected trip-duration limits.
Can I buy Manulife top-up coverage after leaving Canada?
You may be able to request a top-up or extension while already travelling. Contact the agent or broker who sold the coverage before the current policy expires. Approval, additional premium, health requirements and the absence of a claim-related event or health change may apply.
How do I extend Manulife travel insurance while already travelling?
Check the current expiry date, contact your agent before that date, provide the requested trip and health information, pay the additional premium when approved and obtain written confirmation showing continuous coverage with no gap.
What will not be covered by a Manulife extension or top-up?
The reviewed policy excludes a medical condition that first appeared, was diagnosed or was treated after the scheduled departure date and before the extension or top-up becomes effective. Other policy exclusions, limits and stability requirements also continue to apply.
Can I extend a multi-trip plan for a longer vacation?
A top-up may add days when a trip is longer than the selected annual-plan duration. Arrange it before the current coverage expires and confirm that the full trip is insured without a gap.
Can I top up credit card travel insurance?
Possibly. Manulife offers emergency medical top-up coverage for eligible existing plans. Review the credit card certificate first because age limits, trip limits and coverage terms can differ.
Does travel insurance cover trips within Canada?
Selected plans cover travel outside your home province or territory. Manulife advertises reduced premiums on certain emergency medical plans when an entire trip is within Canada.
Does Manulife offer family travel insurance?
Family coverage may be available when the policy's age, relationship and eligibility conditions are met. The reviewed Multi-Trip Emergency Medical wording requires family members to be under age 60 and named on the confirmation.
What is not covered by emergency medical travel insurance?
Common exclusions include unstable pre-existing conditions, non-emergency or elective treatment, expected care, selected high-risk activities, losses linked to alcohol or illegal drugs, and certain pregnancy-related expenses. The complete policy controls.
Who do I call in a medical emergency?
The reviewed policy lists 1-888-881-8010 from Canada or the United States and +1-519-945-8346 collect where available. Verify the numbers on the current policy before departure.
What happens if I do not call the Assistance Centre?
The reviewed policy states that 20% co-insurance may apply to eligible expenses the insurer would normally pay, unless it was medically impossible to call. Contact the Assistance Centre as soon as possible.
Can the Assistance Centre pay the hospital directly?
The Assistance Centre may arrange direct billing where possible. It can also refer you to providers, monitor the emergency and coordinate medically necessary transportation.
Is there a free-look period?
The reviewed policy provides 10 days to examine the coverage and request a refund when the insured has not departed and no claim is in progress. Verify the rule for the exact plan purchased.
Can I get a refund if I return home early?
Refund provisions differ by plan. Certain single-trip plans may allow a partial refund when there is no claim and other policy conditions are met. Ask for the exact calculation before cancelling.
How do I get a Manulife travel insurance quote?
Select “Continue to Instant Travel Quotes” to open PankajBhatia.ca’s travel quotation page. Enter your destination, dates and traveller ages to see available Manulife pricing and compare other available options. Call or WhatsApp Pankaj Bhatia at 647-640-2222 for medical-questionnaire help.
Sources, accuracy and independent-advisor disclosure
This page is an independent educational summary prepared for PankajBhatia.ca. It is not the official Manulife website and does not replace a quote, confirmation, medical questionnaire or policy contract. Manulife and CoverMe are trademarks of their respective owner.
Sources reviewed for this draft:
- The Manulife Travelling Canadians product information publicly available on Manulife.ca.
- The Manulife Financial Travel Insurance Emergency Medical Policy for Travelling Canadians uploaded for this project, effective November 2019.
- The Manulife medical questionnaire for Travelling Canadians uploaded for this project.
Last reviewed: July 25, 2026. Because the uploaded policy wording is dated November 2019, your developer should link the final page to the policy and questionnaire currently issued by your Manulife quotation system. The contract issued at purchase always controls.