Manulife travel insurance review: $10 million of coverage, and the one thing we could not confirm
P. LauroreCo-founder & Travel and Credit Card Insurance ExpertLast updated: September 14, 2026Is Manulife travel insurance worth buying, and is this listing really Manulife?
Manulife travel insurance is a genuinely strong Canadian product: its All-inclusive policy for travelling Canadians pays up to $10 million of combined hospital and medical costs, unlimited trip interruption, and cancellation up to whatever amount you insure. We score it 3.2 out of 5, and the point deducted has nothing to do with the coverage. It is that the listing carrying Manulife's name in our comparator is a lead-generation row with no policy document attached, and we could not confirm from any public source that the company distributing it sells Manulife at all.
All figures on this page are Canadian dollars. Everything we say about Manulife's coverage comes from Manulife's own published wordings, chiefly the All-inclusive Policy for Travelling Canadians, form AIP-1023E, effective October 2023, which we read in full along with the multi-trip, emergency medical, cancellation, Global and CoverMe versions. Everything we say about the listing comes from our own production records and from 29 live quotes we ran on September 8, 2026.
Read those as two separate things, because they are. Manulife's policy is a real contract with page numbers you can check. The card on our results page is a catalogue entry with a fixed price and an insurer name we have asked our partner to confirm. This review covers both, and tells you which is which every time it matters.
- A real contract, and a good one: Unlimited trip interruption, $10 million of hospital and medical costs and cancellation up to the amount you insure, all in the published schedule of benefits.
- Underwritten by a company you can look up: The Manufacturers Life Insurance Company, founded in 1887, federally regulated and rated A+ by AM Best and AA- by S&P as at March 31, 2026.
- A cheaper premium for travel inside Canada: Buy the Canada-only version and the pre-existing condition exclusion does not apply to you at all.
- Nothing to lose by asking: We take no payment for this listing, add no fee, and do not run the checkout, so getting a quote costs you an email address.
- No policy wording on file for this listing: The contract fields are empty in all 26 of our languages, so nothing on the card traces back to a clause.
- The insurer attribution is unconfirmed: The distributor behind this row publishes a different underwriter for its own travel medical plan, and never mentions Manulife as a partner.
- The price is not a quote: $32 was identical across 29 different trips, including a one-day trip and a one-year trip.
- Our eligibility settings are far looser than Manulife's: We will quote a 99-year-old for 365 days. Manulife's multi-trip policy stops at 85, and its single-trip policy caps a 75-year-old at 45 days.
Every year, our experts audit each plan against its binding policy wording: coverage, limits and exclusions, cross-checked with real customer feedback and live market prices. The analysis is fully independent, with zero paid placements and no insurer able to pay to influence a rating. We compare travel insurance across every country and currency, using the plans, prices and coverage actually offered in your country, not a single guide translated. For this page we read Manulife's own published Canadian wordings, because no policy document is filed against the listing itself, and we say so wherever the distinction changes the answer.
Learn moreWhat does Manulife's own Canadian policy actually pay?
Manulife's All-inclusive policy for Canadians pays up to $10 million for hospital, medical care and medical repatriation combined, with unlimited trip interruption and trip cancellation up to the amount you choose to insure. Those are the numbers printed in the schedule of benefits on page 4 of form AIP-1023E, and they are considerably better than the summary our own card shows.
Benefit | Manulife All-inclusive, AIP-1023E | Where it says so |
|---|---|---|
Hospital and medical Including medical repatriation | $10 million combined | Schedule of benefits, p.4 |
Trip interruption | Unlimited | Schedule of benefits, p.4 |
Trip cancellation | Up to the amount you insure | Schedule of benefits, p.4 |
Delayed return Accommodation and meals | $350 a day, max $3,500 | Schedule of benefits, p.4 |
Misconnection and travel disruption | Up to $2,700 | Schedule of benefits, p.4 |
Flight accident | $100,000 | Schedule of benefits, p.4 |
Travel accident | $50,000 | Schedule of benefits, p.4 |
Baggage loss and damage | $1,500, but only $300 per item or set | Schedule p.4; per-item rule p.18, benefit 4 |
Baggage delay, 10 hours or more | $500 | Schedule p.4; p.18, benefit 2 |
Golf clubs or ski equipment delayed | $100 a day, max $500 | p.18, benefit 3 |
Hospital allowance | $50 a day, max $500 | p.15, benefit 13 |
Emergency dental | $300 pain relief, $3,000 repair | p.14, benefit 7 |
Personal liability | Not covered anywhere in the wording | Liability appears only as other insurance this policy sits behind, p.21 |
Two of those rows correct an impression the card leaves. Baggage looks like $1,500 until you read benefit 4 on page 18: the policy pays "up to $300 for any item or set of items", and jewellery or a camera with its equipment each count as a single item. A stolen camera bag is a $300 claim, not a $1,500 one. And the hospital allowance is $50 a day up to $500 in total, paid against receipts for parking, phone calls and television rental while you are in hospital for 48 hours or more. It is not $500 a day.
Personal liability is the one benefit that is genuinely absent. Across every Manulife travel wording we read, third-party liability appears only on page 21, in the list of other policies this one pays behind. If you injure someone or damage property abroad, this is not the policy that responds, and neither is any other Canadian travel medical plan we sell.
Does a $10,000,000 ceiling change anything on a real Canadian claim?
Almost never. The single most expensive event a travel medical policy pays for is an air evacuation, which the United States Centers for Disease Control and Prevention puts at more than $100,000. A ten-million-dollar ceiling is about a hundred times that. Three clauses further down the same contract will decide your claim long before the maximum does, and two of them are hard numbers.
The clause | What it costs you | Where it says so |
|---|---|---|
No valid provincial or territorial health plan for the whole trip | Your entire claim is capped at $25,000 | Emergency medical exclusion 3, p.16 |
You did not call the assistance centre before treatment | You pay 25% of the eligible expenses | Policy cover page p.3, restated as exclusion 5 on p.16 |
Your destination was under a Canadian government advisory to avoid all or non-essential travel before your effective date | Conditions related to that advisory are excluded | Exclusion 25, p.17, mirrored on p.12 and p.18 |
You were advised by a physician not to travel, have under six months to live, need dialysis, or used home oxygen in the last 12 months | You are not eligible to buy the policy at all | Eligibility, p.4 |
The $25,000 cap is the one Canadians underestimate. Your provincial plan is a condition of the insurance, not an optional extra: page 4 requires you to be "covered under a government health insurance plan (GHIP) for the entire trip duration", and page 16 caps everything at $25,000 if you are not. A snowbird who overstays their province's absence limit does not just lose provincial reimbursement; they knock 99.75% off the ceiling that sold them the policy.
The advisory exclusion is narrower than it first reads, and Manulife says so itself: the note under exclusion 25 states it "does not apply to claims for an emergency or a medical condition unrelated to the travel advisory". So a broken ankle in a country under an advisory for civil unrest is still a claim. A condition arising out of the thing the advisory warned about is not.
How many days can I be out of my province before my provincial plan lapses? What is the stability window that applies at my age? What number do I call before anyone treats me, and what happens if I do not call? On the wording we read, those three answers move real money on a Canadian claim. The difference between five million and ten million does not.
How far back does Manulife look at your medical history?
Three months if you are under 75, twelve months if you are 75 or older. Manulife does not use the 90, 120 or 365-day windows common elsewhere in the Canadian market: page 16 of AIP-1023E excludes "any pre-existing condition that was not stable in the 3 months before your effective date" for travellers under 75, and moves that to 12 months at 75 and over.
Two conditions get their own sentence in the same clause, at the same window. A heart condition "that required any form of nitroglycerine to relieve angina pain", and a lung condition "that required treatment with oxygen or prednisone", are each excluded on their own terms, whether or not the underlying condition was otherwise stable. If you carry a nitro spray, that clause is about you.
Trip cancellation works on an entirely different axis, and this catches people. Its stability window is keyed to how much coverage you buy, not to your age: under $20,000 insured it is three months, at $20,000 or more it is twelve, and the larger band extends the stability test beyond you to your immediate family, your travelling companion and the person you are visiting. Insuring a bigger trip therefore buys you a stricter medical test on more people.
Who or what is tested | Window | Trigger |
|---|---|---|
You, emergency medical, under 75 | 3 months before the effective date | Your age |
You, emergency medical, 75 and over | 12 months before the effective date | Your age |
You, trip cancellation, under $20,000 insured | 3 months | The amount you insure |
You, trip cancellation, $20,000 or more insured | 12 months | The amount you insure |
Family, travel companion, host or key person | 12 months, but only in the $20,000-and-over band | The amount you insure |
Anyone, on a Canada-only premium | The exclusion does not apply | Where you are travelling |
The definition of stable is where claims are actually won and lost. The policy sets seven tests on pages 23 and 24, and a condition is only stable if all seven hold: no new treatment and none stopped or changed, no change of medication, no worsening, no new or more frequent symptoms, no hospitalization or referral to a specialist, no pending tests or results you have not received, and no treatment already planned. A dose adjustment your pharmacist made without a word from your doctor breaks it.
Four situations make you ineligible to buy this policy at all, regardless of how stable anything is: a physician has advised you not to travel, you have been diagnosed with a terminal illness with less than six months to live, you have a kidney condition requiring dialysis, or you used home oxygen at any point in the 12 months before you applied. That list is on page 4 of AIP-1023E, and nothing on our comparator card mentions it.
How long can you be gone before the policy or your province stops?
Forty-five days, if you are 75 or older and buying Manulife's single-trip All-inclusive policy. Sixty days between 60 and 74. Under 60, the ceiling is whatever your provincial plan allows. Those are the maximum trip durations in Manulife's product summary AIPS-1123E, including any extension, and they are the hardest constraint on this product for the readers most likely to want it.
Your age | Longest single trip Manulife's All-inclusive will cover | Longest trip our comparator will sell you |
|---|---|---|
Under 60 | As many days as your provincial plan allows | 365 days |
60 to 74 | 60 days | 365 days |
75 and over | 45 days | 365 days |
85 and over | Cannot buy the multi-trip annual plan at all | 365 days, annual included |
The multi-trip annual plan works differently and, for a Canadian, rather well. Days spent travelling inside Canada but outside your own province are unlimited and cost nothing extra; only trips outside Canada consume the per-trip length you selected. Anyone aged 60 or over has to pass a medical questionnaire to buy it, and nobody 85 or over can buy it at all.
Your province has its own clock, and it is the one that keeps the $25,000 cap away from you. Every provincial plan requires you to be physically present for a minimum period, and the numbers are not the same anywhere.
Province | How long you can be away | What the government says |
|---|---|---|
Ontario | 212 days in any 12-month period | Beyond that "you may have to reapply for OHIP". A longer absence of up to 2 years is possible if you were in Ontario at least 153 days in each of the two preceding 12-month periods. |
Quebec | 183 days or more in a calendar year ends your eligibility | Departure and return dates and absences of 21 consecutive days or less are not counted. You may exceed it once every 7 years for personal reasons. |
British Columbia | 7 months in a calendar year for vacation | An extended absence of up to 24 consecutive months is available once in any 60-month period, with conditions. |
Alberta | 212 days in a 12-month period for recurring vacation | Otherwise under 6 consecutive months outside Canada. You must contact the plan before leaving and on your return. |
Put the two clocks together and the snowbird case resolves itself. A 76-year-old wintering in Florida for five months is outside Manulife's 45-day single-trip maximum from day 46, and depending on the province may also be approaching the presence rule that keeps the provincial plan valid. If our card sold that person 365 days at $32, it sold them something the insurer does not appear to issue. Our travel insurance for seniors guide works through what is actually available for a long winter.
The Government of Canada is blunt about this: your provincial or territorial health plan "may cover none, or only a small part, of the costs of your medical care abroad", and "it will never pay your bills up front". Manulife’s policy is written on the same assumption. Page 21 states "This is a second payor policy", and the insuring agreement on page 4 pays "in excess of the benefits that are payable under any group, individual, private, or public plan or contract of insurance, including any auto insurance plan and your GHIP". One exception, worth knowing if you are retired: Manulife does not coordinate with a former employer’s extended health plan whose lifetime maximum is $50,000 or less.
Where does our listing disagree with Manulife's wording?
On five of eleven guarantee lines. We compared every figure our card displays against Manulife's published schedule of benefits, and the differences run in both directions: two of them understate what Manulife pays, two overstate it, and one is a label that means something different in the contract than it does on the card.
Line on our card | What we show | What Manulife's own wording says | Verdict |
|---|---|---|---|
Emergency medical abroad | $10,000,000 | $10 million combined, hospital, medical and repatriation, p.4 | Matches |
Trip interruption | $2,000 | Unlimited, p.4 | We understate it badly |
Trip cancellation | Trip price, up to $60,000 | Up to the amount you insure, with no fixed band. CoverMe's retail version caps it at $3,500 | $60,000 matches nothing Manulife publishes |
Hospital daily allowance | $500 | $50 a day to a maximum of $500, against receipts, p.15 | Right total, wrong unit |
Baggage | $1,500 | $1,500, but only $300 per item or set, p.18 | True ceiling, missing sub-limit |
Transport delay | $350 | $350 a day to a maximum of $3,500, p.4 | Right rate, missing the total |
Accidental death | $50,000 | Travel accident $50,000, plus a separate flight accident benefit of $100,000, p.4 | Half the picture |
Ski and sports equipment | $500 | $100 a day to a maximum of $500 for a delay of 10 hours or more, p.18 | Right total |
Personal liability | Not covered | Not covered anywhere in the wording | Matches |
Repatriation | Actual costs | Inside the $10 million combined maximum, p.4 | Not separately unlimited |
Maximum age 99 | Quotes to 99 | Multi-trip stops at 85; single-trip caps a 75-year-old at 45 days | Far looser than the insurer |
The trip interruption line is the one worth correcting first, because it works against the reader. Our card says $2,000 and Manulife's schedule says unlimited. Anyone comparing this listing against a rival on that row is being shown a product far weaker than the one Manulife actually sells. The $60,000 cancellation cap runs the other way: it appears in none of the six Manulife wordings we read, and CoverMe's retail All-inclusive caps cancellation and interruption at $3,500 on a single trip.
One more thing sits underneath that table. Our system reports the source of these values as the legacy guarantee group, which means the legacy figures are the ones a customer sees. Our newer catalogue table has no ski line for this offer at all, and carries two rows that never reach the card: a senior age limit of 99 and a visa refusal refund marked as included. Neither is supported by any document.
Manulife is on the card, so who underwrites this listing?
Manulife's own Canadian travel policies are underwritten by The Manufacturers Life Insurance Company, with some portions underwritten by First North American Insurance Company, a wholly owned Manulife subsidiary. Claims and assistance are handled by Active Claims Management (2018) Inc., which trades as Active Care Management and Global Excel Management. All of that is on page 1 of AIP-1023E. Manulife is the risk carrier, Global Excel is the company that answers the phone.
The listing on our results page is a different question, and we cannot answer it as cleanly. It is a lead-generation row distributed by SoNomad, a Montreal insurance-of-persons firm, and SoNomad's own published statements name a different underwriter for its travel medical plan. Its November 2022 announcement says the plan "will be underwritten by National Liability & Fire Insurance Company, Canada", part of the Berkshire Hathaway group. We searched SoNomad's entire public site in English and French and found Manulife mentioned once, in a staff biography listing a former employer. Nowhere does SoNomad publish a Manulife partnership, and it publishes no policy wordings at all.
Confirmed: the offer is recorded in our catalogue against the insurer Manuvie, which is the French name of Manulife, and its summary text tells visitors in 26 languages that the plan is underwritten by Manulife. Not confirmed: any public evidence that SoNomad, the distributor behind this row, sells a Manulife product. We have no policy document, no plan name and no confirmation of insurance to check it against. We have raised it internally and with the partner, and we will correct this page when we have an answer. Until then, do not treat the Manulife name on the card as a statement about the policy you would be sold, and ask for the insurer’s name in writing before you pay.
This matters more than a filing error, because in Canada it changes where a complaint goes. A travel policy written by a life and health insurer such as Manulife is handled by the OmbudService for Life & Health Insurance. One written by a property and casualty carrier goes to the General Insurance OmbudService instead. You cannot choose the right door until you know which company is on the policy.
Role | Manulife's published Canadian travel product | This listing on our comparator |
|---|---|---|
Underwriter | The Manufacturers Life Insurance Company, with parts by First North American Insurance Company | Recorded as Manuvie, unconfirmed publicly |
Claims and assistance | Active Claims Management (2018) Inc., trading as Global Excel Management | Unknown to us |
Policy document | AIP-1023E and its siblings, published and downloadable | None on file, in any language |
Regulator | Federally regulated, listed on the Office of the Superintendent of Financial Institutions (OSFI) register of insurance companies | Depends on the answer above |
Financial strength | A+ from AM Best, AA- from S&P, Aa3 from Moody's, AA from Fitch and Morningstar DBRS, as at March 31, 2026 | Depends on the answer above |
Why is $32 the same figure on every trip we tested?
Because it is not a quote. The $32 shown on this listing is a fixed catalogue figure stored against the offer, and our own pricing code returns it unchanged whatever you type into the form. We ran 29 different trips through the comparator on September 8, 2026 and it printed $32.00 every time.
Trip we quoted | This listing | Go Explore, a plan our system really prices |
|---|---|---|
United States, 14 days, age 35 | $32.00 | $151.00 |
United States, 14 days, age 60 | $32.00 | $185.99 |
United States, 21 days, age 65 | $32.00 | $511.93 |
United States, 365 days, age 35 | $32.00 | $1,889.58 |
Japan, 12 days, age 35 | $32.00 | $90.23 |
Greece, 10 days, family of four | $32.00 | $256.00 |
United States, 1 day, age 35 | $32.00 | $151.00 |
The consequence is a price order that means nothing. This listing sits above the other two Canadian rows at $32, the Allianz-badged Comprehensive Package shows $28 and SoNomad's own row shows $25, and none of those three ever moves, because all three are hard-coded. Reading that order as "the Manulife one is the priciest" is reading our catalogue, not the market.
Treat it as a signal that a product exists for your trip and nothing more. A real Canadian travel medical premium depends on your age, your destination, how long you are away, whether you add cancellation and how you answer the medical questions. Get that number from the quote form, then bring it back here and compare it against the plans further down this page that our system prices for real.
What happens to your Manulife choice after you fill in the form?
Choosing this listing does not start a purchase. It starts a lead: we record your enquiry, then send you to SoNomad's own quote form with your trip and contact details already filled in. We take no payment, add no fee and underwrite nothing. Here is the sequence, read from our own source code rather than described from the outside.
Step | What happens | Where |
|---|---|---|
1. You choose the card | No pricing call is made to any partner. The $32 comes from our catalogue. | HelloSafe |
2. You fill in the contact form | Name, phone and email, in a modal on the results page. | HelloSafe |
3. We save the enquiry | A record is written against your trip with the status leadGenerated. | HelloSafe |
4. The partner alert is skipped | For Canadian residents on this partner we deliberately do not fire the notification, because you are being handed over directly and it would create a duplicate lead. | HelloSafe |
5. You are redirected | To SoNomad's quote form, prefilled with your residence, destination, dates, ages, trip cost, name, phone and email. | SoNomad |
6. You get a real quote | Underwriting, medical questions, plan choice, price and payment all happen there. | SoNomad |
7. You become the insurer's customer | Any claim, cancellation or complaint runs between you and the company named on the policy. | The insurer |
Step 5 has a catch that matters more on this page than anywhere else in our Canadian range. The link we build carries your trip and your contact details, and nothing else: there is no plan, offer or insurer parameter in it. So the one decision you came to us with, that you wanted the Manulife listing rather than the two beside it, is the one thing the handoff does not carry. You arrive on a plan list and start choosing again.
Write down the name of the plan you picked here, then check that what you are offered on the other side matches it, and ask for the underwriting company in writing. If the quote you are shown carries a different insurer’s name, that is not an error on their side: our handoff never told them which plan you wanted.
Does the Manulife card you already carry cover any of this?
If your Manulife card is the Manulife Bank Access card, it covers none of it. Our HelloCard records hold exactly one Manulife-branded card for Canada, and every travel guarantee on it is marked not covered: no emergency medical, no repatriation, no trip cancellation, no interruption, no transport delay, no baggage, no travel accident benefit and no personal liability. It scores 0 out of 5 in our travel audit, because it is a banking access card tied to a Manulife One account rather than a rewards credit card.
What travellers assume a bank card gives them | Manulife Bank Access card | Manulife All-inclusive policy |
|---|---|---|
Emergency medical abroad | Not covered | $10 million combined |
Repatriation | Not covered | Inside the $10 million |
Trip cancellation | Not covered | Up to the amount you insure |
Trip interruption | Not covered | Unlimited |
Baggage | Not covered | $1,500, $300 per item |
Personal liability | Not covered | Not covered |
This is not a criticism of the card, which makes no insurance claim for itself. It is a correction of an assumption our own search data says Canadians are making: over the 28 days to September 5, 2026, queries such as "manulife credit card insurance" and "manulife visa infinite travel insurance" reached our pages and none of them earned a click. If you want to know what your own card really includes before buying anything, our guide to credit card travel insurance works through the ceilings, the trip-length caps and the upfront-payment problem.
Who do you complain to about a Canadian travel claim?
Your insurer first, then a free ombudsman service, and which ombudsman you get depends on what kind of company underwrote the policy. Canada has no single consumer regulator you appeal to for a travel claim, so the company name on your policy decides which door you knock on.
Step | Who handles it | What to do |
|---|---|---|
1. The insurer's own process | Every Canadian insurer runs an internal complaint process, and the ombudsman services expect you to finish it first. | For a Manulife travel policy, start with Manulife Customer Service on 1-800-565-2338 or travel@manulife.ca, both printed in the policy. Ask in writing for a final written response: the next step needs it. |
2a. A life and health insurer | The OmbudService for Life & Health Insurance, which describes its services as "free, independent, and impartial" and available "across Canada, in English and French". Manulife travel policies are written by a life insurer, so this is the route. | olhi-oap.ca, 1-888-295-8112, or 1-866-582-2088 in Quebec. |
2b. A property and casualty insurer | The General Insurance OmbudService instead. Some Canadian travel plans are underwritten by property and casualty carriers, and those complaints do not go to the life and health ombudsman. | This is precisely why you should get the underwriting company's name in writing before you pay. |
3. Quebec residents | The Autorité des marchés financiers. A Quebec consumer can ask the insurer to transfer the complaint file to the AMF. | lautorite.qc.ca, 1-877-525-0337. |
One practical note about who actually handles a Manulife travel claim: it is not Manulife's own staff. Page 1 of the policy appoints Active Claims Management (2018) Inc., operating as Active Care Management and Global Excel Management, as the provider of all assistance and claims services. The emergency line printed in the policy is 1-888-881-8010 from Canada and the United States, or +1 519-945-8346 collect from anywhere else, and page 3 is explicit that not calling it costs you 25% of your eligible expenses.
Manulife travel insurance review: the questions Canadians ask before buying
On the wording, yes. Manulife’s All-inclusive policy for travelling Canadians pays up to $10 million for hospital, medical care and repatriation combined, unlimited trip interruption, and cancellation up to the amount you insure. It is underwritten by The Manufacturers Life Insurance Company, founded in 1887 and rated A+ by AM Best. Our reservations are about the listing on this page rather than the product: no policy document is filed against it and we could not confirm publicly that its distributor sells Manulife.
We cannot tell you from this page, and the $32 on the card cannot either: it is a fixed catalogue figure that did not move across 29 different trips we tested on September 8, 2026, including a one-day trip and a one-year trip. A real Canadian travel medical premium moves with age, destination, trip length, whether you add cancellation coverage, and your medical answers. For scale, a plan our system does price returned $151.00 for a 35-year-old on a two-week United States trip and $511.93 for a 65-year-old on three weeks.
Yes, if the condition was stable. Manulife’s All-inclusive policy excludes any pre-existing condition that was not stable in the 3 months before your effective date if you are under 75, and in the 12 months before it if you are 75 or older. Stable has a seven-part definition: no new or changed or stopped treatment, no medication change, no worsening, no new or more frequent symptoms, no hospitalization or specialist referral, no pending tests or results, and no treatment already planned. Heart conditions needing nitroglycerine and lung conditions needing oxygen or prednisone are excluded separately over the same window.
For the multi-trip annual plan, you must be under 85, and from age 60 you must pass a medical questionnaire. The single-trip All-inclusive policy sets no maximum age, but it shortens the trip instead: 60 days between 60 and 74, and 45 days at 75 and over. Our comparator, by contrast, will show this listing to a 99-year-old for 365 days, which is our setting and not an underwriting decision.
As many days as your provincial plan allows if you are under 60, 60 days between 60 and 74, and 45 days from 75, including any extension. That is the maximum trip duration in Manulife’s own product summary. On the annual multi-trip plan, days spent inside Canada but outside your own province are unlimited and free; only trips outside Canada use up the per-trip length you bought.
Yes, and this is the clause that costs the most when it fails. Manulife requires you to be covered by a government health insurance plan for the entire trip, and if you are not, the policy caps everything it pays at $25,000. Every province has its own presence rule: Ontario allows 212 days away in a 12-month period, Quebec 183 days in a calendar year, British Columbia seven months for vacation, and Alberta 212 days for recurring vacation. Check yours before a long winter away.
Rarely. The most expensive event a travel policy pays for is an air evacuation, which the United States Centers for Disease Control and Prevention puts at more than $100,000, so a ten-million-dollar ceiling is roughly a hundred times that. Between two Canadian plans with seven-figure maximums, the stability window, the requirement to hold a valid provincial plan and the 25% penalty for not calling before treatment will decide your claim long before the maximum does.
No. Across every Manulife travel wording we read, third-party liability appears only in the list of other policies this one pays behind. That is normal for Canadian travel medical products: liability for injury or damage you cause is usually covered by your home insurance or a separate policy. If you are renting a vehicle, a boat or a snowmobile, close that gap somewhere else.
No. This is a lead-generation listing: we record your enquiry and send you to SoNomad’s own quote form with your trip and contact details prefilled. We take no payment and add no fee, and the policy, the price and any claim are between you and the insurer named on it. Our handoff carries your trip but not your plan choice, so check that what you are offered matches what you picked here.
The one Manulife card in our Canadian records, the Manulife Bank Access card, includes no travel insurance of any kind: no emergency medical, no cancellation, no interruption, no baggage and no travel accident benefit. It is a banking access card, not a rewards credit card. Read your own card’s benefit guide before assuming any of it is covered.
Four things, in writing: the exact plan name and the company that underwrites it, the emergency medical maximum that applies at your age, the stability window in months for any pre-existing condition, and the number you must call before treatment together with the penalty for not calling. If any of the four is refused or answered vaguely, that is your answer.
Yes. Manuvie is the French-language name of the same Canadian company, used in Quebec and in French-language documents. Our insurer record for this listing is stored under the French name, which is why the card reads Manuvie on an English page.
On the same Canadian trip, how do the five listings compare?
Below are the five plans our comparator returns to a Canadian resident aged 65 taking a three-week trip to the United States, priced on September 8, 2026. Read the price column carefully: two of these five returned a real quote for that trip, and three show catalogue figures that would be identical on any other trip you typed in.
Our recommendation for a Canadian trip
If you want Manulife specifically, the coverage is worth wanting: unlimited trip interruption, cancellation up to the amount you insure and $10 million of hospital and medical care are among the strongest terms on the Canadian market, and the company behind them has been writing insurance since 1887. Use this route to reach a real quote, then judge it on that quote rather than on the $32 you see here, and insist on four things in writing before you pay: the plan name, the underwriting company, the medical maximum at your age and the stability window in months. If those four do not come back, take the plan that will put them in writing. On the trip priced below, Go Explore returned an actual figure of $511.93 against a contract we have read line by line, and for a 65-year-old heading to the United States that certainty deserves to be weighed against a promise we cannot yet source.
Included coverage
Personalized quote · no commitment
Included coverage
Personalized quote · no commitment
Included coverage
Personalized quote · no commitment
Included coverage
Personalized quote · no commitment
Included coverage
Personalized quote · no commitment
Live results captured on hellosafe.com on 8 September 2026 for 1 traveller aged 65, 21 days in the United States (10 November to 1 December 2026), departing from Canada, without the cancellation option, in Canadian dollars. Travel Plan, Comprehensive Package and SoNomad each display a fixed catalogue figure stored against the offer, not a quote: it is the same number on a one-day trip and on a one-year trip. Only Go Explore and Go Explore + returned a real price for this trip.
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If you are weighing the shape of the coverage rather than the brand, three of our guides go deeper on what this listing leaves unstated: pre-existing condition travel insurance, travel cancellation insurance and annual travel insurance. For the plan sitting directly beside this one on the Canadian results page, our SoNomad review works through a contract we did read, all 51 pages of it.
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