The benefits covered in the Emergency Medical plan* include:

• Up to $5 million in emergency medical coverage
• Coverage for paramedical services due to covered risk, up to $300 by profession
• Ambulance transportation
• Emergency dental treatment
• Expenses related to death
• Emergency Evacuation home
• Visit to bedside if travelling alone
• Return home of children under your care
• Additional expenses for meals and hotel
• Return home of vehicle
• Trip break, return home without terminating coverage

*Please note: If the claim is a result of an act of terrorism, emergency medical benefits may be limited. Other conditions, limitations and exclusions apply. Please see the policy for details.

Purchase emergency medical benefits* at half the premium when all your travel is within Canada. To see your savings, you can compare rates using our premium chart.

• Up to $5 million in emergency medical coverage
• Coverage for paramedical services due to covered risk, up to $300 by profession
• Ambulance transportation
• Emergency dental treatment
• Expenses related to death
• Emergency Evacuation home
• Visit to bedside if travelling alone
• Return home of children under your care
• Additional expenses for meals and hotel
• Return home of vehicle
• Trip break, return home without terminating coverage

*Please note: If the claim is a result of an act of terrorism, emergency medical benefits may be limited. Other conditions, limitations and exclusions apply. Please see the policy for details.

This plan gives you the peace-of-mind of knowing you have comprehensive protection. It includes Emergency Medical, Trip Cancellation & Interruption, Baggage Loss, Damage and Delay, Flight Accident and Travel Accident.

Emergency Medical*

• Up to $5 million in emergency medical coverage
• Coverage for paramedical services due to covered risk, up to $300 by profession
• Ambulance transportation
• Emergency dental treatment
• Expenses related to death
• Emergency Evacuation home
• Visit to bedside if travelling alone
• Return home of children under your care
• Additional expenses for meals and hotel
• Return home of vehicle
• Trip break, return home without terminating coverage

Trip Cancellation And Trip Interruption*

• Up to $3,000 per insured per trip for Single-Trip All-Inclusive plans
• Reimbursement of prepaid portion of the trip that is non-refundable and non-transferable to another travel date for a covered event

To see cancellation and interruption rates see on our Premium rate charts

Highlights Of Some Of The Insured Risks:

• You or your travel companion's unexpected medical emergency or death
• Unexpected medical emergency or death of you or your travel companion's immediate family or key person
• Your business meeting is cancelled
• Canadian Government issues a formal Travel Warning regarding your destination
• Travel visa not issued
• The person whose guest you will be during your trip, has been admitted to a hospital with an emergency or dies
• Missed connection

Baggage Loss, Damage And Delay*

This coverage relates to the loss of, damage to, and delay of baggage and effects. This insurance provides coverage for the following expenses:

• Up to $100 for replacement of a lost or stolen passport, driver's license, birth certificate or travel visa
• Up to $500 for necessary toiletries and clothing when luggage is delayed by the carrier for at least 10 hours while the insured is en route
• Up to $300 per trip for any item or set of items to a maximum of $1,000

Flight Accident And Travel Accident*

Flight Accident and Travel Accident insurance covers the following benefits:

• If an accidental bodily injury causes the insured to die, to become completely and permanently blind in both eyes or to have two limbs fully severed above the wrist or ankle joints, in the 12 months after the accident, Manulife Financial will pay: $100,000 under Flight Accident Insurance; or $50,000 under Travel Accident Insurance.
• If an accidental bodily injury causes the insured to become completely and permanently blind in one eye or have one limb fully severed above a wrist or ankle joint in the 12 months after the accident, Manulife Financial will pay: $50,000 under Flight Accident Insurance; or $25,000 under Travel Accident Insurance.
• If the insured has more than one accidental bodily injury during the trip, Manulife Financial will pay the applicable insured sum only for the one accident that entitles the insured to the largest benefit amount.

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

This plan provides coverage for one trip of less than 18 days for those 55-74 years of age, with no medical questionnaire.

Emergency Medical

The benefits covered in the Emergency Medical plan include:

• Up to $5 million in emergency medical coverage
• Coverage for paramedical services due to covered risk, up to $300 by profession
• Ambulance transportation
• Emergency dental treatment
• Expenses related to death
• Emergency Evacuation home
• Visit to bedside if travelling alone
• Return home of children under your care
• Additional expenses for meals and hotel
• Return home of vehicle
• Trip break, return home without terminating coverage

Please note: If the claim is a result of an act of terrorism, emergency medical benefits may be limited. Other conditions, limitations and exclusions apply. Please see the policy for details.

Trip Cancellation insurance is included in All-Inclusive or can be purchased separately within seven (7) days of booking your trip or before any cancellation penalties are chargeable for that trip.

Trip Cancellation And Trip Interruption Benefits*

• Up to sum insured to a maximum of $3,000 per insured per trip for the Trip Cancellation/Interruption Plan when purchased separately
• Up to $3,000 per insured per trip for the Single Trip All-Inclusive plan
• Up to $5,000 per insured per trip, and up to $7,000 per policy for the Multi-Trip All-Inclusive Plan
• Reimbursement of prepaid portion of the trip that is non-refundable and non-transferable to another travel date for a covered event

Highlights Of Some Of The Insured Risks:

• You or your travel companion's unexpected medical emergency or death
• Unexpected medical emergency or death of you or your travel companion's immediate family or key person
• Your business meeting is cancelled
• Canadian Government issues a formal Travel Warning regarding your destination
• Travel visa not issued
• The person whose guest you will be during trip has a medical emergency and is admitted to a hospital with an emergency or dies
• Missed connection

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

Return home and go back to your trip destination with this coverage, which provides up to $2,000 towards the cost of a return ticket to continue the trip if, during the trip, an immediate family member who is not travelling with you dies or undergoes an emergency hospitalization or your principal residence in Canada, due to a natural disaster becomes uninhabitable. This plan can only be purchased with Single-Trip plans and at an additional premium.

You can purchase Emergency Medical Top-Up insurance if you have travel insurance from another insurer, but are travelling for a longer time than their insurance covers.

You could also purchase this option if you have a CoverMe Multi-Trip plan and would like to travel for longer than the maximum trip length of your Multi-Trip plan.

Top-Up Options

• Top-Up coverage must be purchased prior to departure and is subject to an extra premium charge.
• The Emergency Medical Top-Up option is used to top up a Manulife Financial Multi-Trip plan or plans of other insurers, provided that the entire trip, including the top-up period, is not longer than 183 days (212 days for residents of Ontario or Newfoundland).
• It is the responsibility of the applicant to confirm that top-up is permitted on the existing plan with no loss of coverage.
• If the applicant is age 55 or older, the Medical Questionnaire must be completed.
• Note: If a trip begins during the coverage period of your Multi-Trip plan but will extend beyond the expiry date, you can purchase top-up coverage for any travel days that fall after the expiry date or you can purchase a new CoverMe Travel Insurance Multi-Trip plan for the next 365-day period as long as the total duration of the trip does not exceed the maximum trip length you chose when you purchased the Multi-Trip plan.
• The Single-Trip All-Inclusive Top-Up option can be used to top up a CoverMe Travel insurance Multi-trip All-Inclusive plan.

CoverMe Travel for Travelling Canadians insurance premiums are easy to plan for. Following are our rate charts and some guidelines to consider:

Premium Rate Chart - Single-Trip

Premium Rate Chart - Multi-Trip

Calculate Top-Up Premium

• Premium rate is in $CDN per person.
• Emergency Medical Family Coverage rates are 2x the premium rate for the oldest traveler under age 55.
• Rates are subject to change without notice.
• Premium due is based on:
  1. The plan purchased;
  2. The rate category; and
  3. The age at the time of application.
• Number of coverage days for Single-Trip plans must include:
  1. The date of departure;
  2. The date of return; and
  3. The number of days in between.
• Coverage will not take effect if your method of payment is not honoured.

• 50% Travel Canada Savings: When purchasing a Single-Trip Emergency Medical plan and all the travel is within Canada.
• 5% Travel Companion Savings for Any Emergency Medical Plan: This is available on all medical plans.
• Family Coverage for Any Emergency Medical Plan: Available for spouse and dependent children when all family members are under age 55. The rate is calculated at 2 x the premium due for the oldest traveller.

Savings Combinations

All savings can be combined; except the Family Coverage and Travel Companion savings cannot be combined.

Deductible Savings Options

Deductible savings options are not applicable to the Travel Canada plan and All-Inclusive plans.

All published rates include a zero deductible. The following deductible options are available for Single-Trip and Multi-Trip Emergency Medical plans only: