Snapshot: Manulife Travel Insurance for Canadians

Revised December 2014

Plan Comparison
Single-Trip**

Core Benefits
Emergency Medical $5,000,000 CDN*

Includes Emergency Medical

and Terrorism coverage

Flight & Travel Accident $100,000 & $50,000/trip respectively, for double
dismemberment, $50,000 & $25,000 respectively, for single dismemberment
$2,500,000 maximum aggregate for Trip Cancellation/Interruption

Trip Cancellation
& Interruption

Includes all benefits

Trip Lengths of:
4, 10, 18 or 30 days
Top-ups for longer durations

Includes Trip Cancellation,

Trip Interruption and
Terrorism Coverage
No maximum duration

Includes all benefits

Trip Cancellation/Interruption As a free-standing plan, up to sum insured

to a maximum of $20,000/trip. For Single-Trip All-Inclusive, up to $5,000/trip.
For Multi-Trip All-Inclusive, up to $5,000/trip and $8,000/policy.
Baggage Loss/Damage/Delay $1,000/trip & $3,000/policy for Loss/Damage
$500/trip & $1,500/policy for Delay

Terrorism Coverage $35,000,000 maximum aggregate for Emergency Medical;

Multi-Trip
All-Inclusive

Single-Trip**
All-Inclusive

Multi-Trip
Includes Emergency Medical
and Terrorism coverage
Trip Lengths of:
4, 10, 18 or 30 days
Top-ups for longer durations

Other Features or Requirements

Eligible Age***
Guaranteed Issue
Medical Questionnaire To determine eligibility and rate category in order
to purchase Emergency Medical
Four Rate Categories: A+, A, B, or C.
Emergency Medical Pre-existing Condition & Stability
A pre-existing medical condition is covered if stable (per policy definition) in the
time frame prior to departure.

BounceBack Benefit $2,000 for round trip from destination to home.

No Limit

No Limit

No Limit

No Limit

No Limit

Under 60 years of age

Rate Category A

Under 60 years of age

Rate Category A

Under 60 years of age

Rate Category A

Under 60 years of age

Rate Category A

Not Applicable

Applicable if 60 or over

Applicable if 60 or over

Applicable if 60 or over

Applicable if 60 or over

Not Applicable

Rate Categories A+ & A:

All Ages: 3 months
Rate Category B:
60+: 6 months
Rate Category C:
60+: 12 months

Rate Categories A+ & A:

All Ages: 3 months
Rate Category B:
60+: 6 months
Rate Category C:
60+: 12 months

Rate Categories A+ & A:

All Ages: 3 months
Rate Category B:
60+: 6 months
Rate Category C:
60+: 12 months

Rate Categories A+ & A:

All Ages: 3 months
Rate Category B:
60+: 6 months
Rate Category C:
60+: 12 months

Not Applicable

Applicable

Applicable

Not Applicable

Not Applicable

Not Applicable

Not Applicable

Applicable

Not Applicable

Applicable

Applicable

Applicable

Applicable

Applicable

Applicable

Not Applicable

Voluntary. Available up to
maximum duration if done
prior to expiry & no claims

Voluntary. Available up to
maximum duration if done
prior to expiry & no claims

Voluntary. Available up to
maximum duration if done
prior to departure

Voluntary. Available up to
maximum duration if done
prior to departure

Not Applicable

Applicable

Applicable

Applicable

Applicable

Applicable 25%
co-payment does not apply

Trip Cancellation & Interruption Pre-existing Condition & Stability

No coverage if cancellation is due to insureds or spouses medical condition that
was not stable during 3 months prior to purchase.

Automatic Extensions 72 hours if your carrier is delayed; 5 days if you or

a travelling companion have a medical condition that prevents travel and are not
hospitalized if hospitalized, will extend for full period of hospitalization and 5 days
after discharge, to maximum of 12 months.
Top-ups and Extensions

Notification of Assistance Centre Mandatory for medical emergency

at destination insured responsible for 25% of claim cost if Assistance Centre
not notified
* For the complete list of benefits and maximum sums, refer to policy.

** Maximum of 183 days for Ontario/212 days for Nfld residents; can be issued for longer durations with special request.

Plans underwritten by The Manufacturers Life Insurance Company.

Manulife, the Block Design, the Four Cubes Design, and Strong Reliable Trustworthy Forward-thinking are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.
2014 The Manufacturers Life Insurance Company. All rights reserved.
AT0193E-12/14

*** Minimum age for any program is 30 days.

Premium Rates 60+ (Rate Category A+)

Single Trip

Single-Trip
All Inclusive

60 64
65 69
70 74
75 79
80 84
85+

$3.60 $4.76/day
$4.25 $5.88/day
$5.90 $8.09/day
$10.00 $15.16/day
$16.89 $24.00/day
$24.62 $28.94/day

$175
$195
$215
$245
$275
$295

Premium Rates 0-59 (Rate Category A)

Based on # of days(1)

Add to Single Trip

0 25
26 39
40 54
55 59

$2.62 $2.96/day
$2.83 $3.24/day
$3.15 $3.63/day
$3.70 $4.90/day

$125
$135
$145
$165

Based on # of days(1)

Add to Single Trip

$4.16 $5.90/day
$5.38 $8.09/day
$6.70 $9.41/day
$12.26 $18.26/day
$20.59 $29.61/day
$26.62 $33.44/day

$175
$195
$215
$245
$275
$295

Based on # of days(1)

Add to Single Trip

$6.00 $8.63/day
$7.50 $11.63/day
$9.50 $15.06/day
$17.26 $25.58/day
$29.50 $38.08/day
$39.75 $52.03/day

$175
$195
$215
$245
$275
$295

Based on # of days(1)

Add to Single Trip

$8.53 $10.65/day
$11.50 $16.36/day
$14.55 $21.85/day
$25.00 $30.67/day
$39.38 $56.47/day
$56.62 $78.62/day

$175
$195
$215
$245
$275
$295

Available

Not Available

Available

Not Available

Not Available

Available

Not Available

Available

Not Available

Not Available

Available

Available

Available

Available

Available

Available

Not Available

Not Available

Not Available

Not Available

Available up to departure;
partial refund available
for early return

Available only for

Emergency Medical
up to departure

Available up to first travel date;

non-refundable after first travel date

Non-refundable

Non-refundable

Use to top up a Manulife

or other insurers plan

Not used for

top-up purposes

Use Single Trip Plan for top-up

Use Single Trip Plan for top-up

Not Applicable

Not Applicable;
if Bounceback added:
8% Ont., 9% Que.

8% Ont., 9% Que. on
All-inclusive premium only
and Bounceback if added,
8% MB on All-inclusive
premium only

Not Applicable

8% Ont., 2.3% Que., 8% MB

on entire premium amount

8% Ont., 9% Que., 8% MB on entire premium amount

Premium Rates 60+ (Rate Category A)

60 64
65 69
70 74
75 79
80 84
85+

Premium Rates 60+ (Rate Category B)

60 64
65 69
70 74
75 79
80 84
85+

Premium Rates 60+ (Rate Category C)

60 64
65 69
70 74
75 79
80 84
85+

Optional Medical Deductibles USD

$500 (15%); $1,000 (20%); $5,000 (35%); $10,000 (50%)

Multi-Trip
All Inclusive

Multi-Trip
$73
$82
$109
$129
$189
$246

$92
$112
$153
$267
$491
$741

$121
$130
$170
$305
$715
$802

$170
$205
$280
$580
$881
$1,020

$139
$156
$207
$245
$359
$467

4 days 10 days 18 days 30 days 4 days

$39
$44
$52
$66

$54
$59
$60
$91

$84
$86
$95
$115

$109
$121
$130
$170

$81
$86
$107
$130

4 days 10 days 18 days 30 days 4 days

$78
$91
$119
$133
$202
$273

$110
$130
$180
$320
$590
$795

$150
$155
$210
$375
$800
$850

$210
$230
$320
$611
$1,550
$1,690

$148
$173
$226
$253
$384
$519

4 days 10 days 18 days 30 days 4 days

$119
$136
$178
$214
$271
$324

$180
$210
$277
$482
$750
$950

$220
$313
$300
$426
$415
$565
$710 $1,012
$1,155 $2,200
$1,300 $2,580

$226
$258
$338
$407
$515
$616

4 days 10 days 18 days 30 days 4 days

$135
$175
$212
$376
$465
$611

$209
$242
$350
$265
$339
$498
$330
$415
$646
$595
$711 $1,139
$1,038 $1,279 $2,311
$1,196 $1,688 $2,887

$257
$333
$403
$715
$884
$1,161

Trip Cancellation
& Interruption

Prior to
$203
$286
$335
departure* 0-54 55-59 60-64 65-69 70-74 75-79 80-84 85+
$230
$295
$390
0
$
$53 $60 $71 $79
$87 $103 $114 $128
$291
$370
$532
$74 $75 $76 $91
$97 $117 $134 $150
$507
$580 $1,102 $ 500
$93 $97 $105 $113 $118 $158 $192 $216
$933 $1,359 $1,674 $ 1,000
$1,408 $1,524 $1,938 $ 1,500 $114 $119 $131 $138 $145 $203 $249 $281
10 days 18 days 30 days $ 2,000 $136 $142 $156 $164 $174 $255 $312 $353
$ 2,500 $161 $168 $185 $200 $214 $293 $358 $399
$156
$205
$243
$ 3,000 $174 $180 $204 $222 $237 $332 $404 $445
$162
$222
$263
$ 3,500 $197 $206 $235 $260 $280 $372 $450 $490
$179
$244
$296
$ 4,000 $217 $226 $260 $290 $315 $412 $495 $535
$230
$290
$340
$ 4,500 $237 $246 $285 $320 $350 $452 $540 $580
10 days 18 days 30 days
$ 5,000 $257 $266 $310 $350 $385 $492 $585 $625
$221
$289
$399
$ 5,500 $277 $286 $335 $380 $420 $532 $630 $670
$261
$304
$437
$ 6,000 $297 $306 $360 $410 $455 $572 $675 $715
$342
$399
$608
$ 6,500 $317 $326 $385 $440 $490 $612 $720 $760
$608
$713 $1,161
$ 7,000 $337 $346 $410 $470 $525 $652 $765 $805
$1,121 $1,520 $2,945
$1,511 $1,615 $3,211 $ 7,500 $357 $366 $435 $500 $560 $692 $810 $850
$ 8,000 $377 $386 $460 $530 $595 $732 $855 $895
10 days 18 days 30 days
$ 8,500 $397 $406 $485 $560 $630 $772 $900 $940
$342
$418
$595
$ 9,000 $417 $426 $510 $590 $665 $812 $945 $985
$437
$570
$809
$ 9,500 $437 $446 $535 $620 $700 $852 $990 $1,030
$526
$789 $1,074 $10,000 $457 $466 $560 $650 $735 $892 $1,035 $1,075
$916 $1,349 $1,923 $10,500 $477 $486 $585 $680 $770 $932 $1,080 $1,120
$1,425 $2,195 $4,180
$11,000 $497 $506 $610 $710 $805 $972 $1,125 $1,165
$1,805 $2,470 $4,902
$11,500 $517 $526 $635 $740 $840 $1,012 $1,170 $1,210
10 days 18 days 30 days $12,000 $537 $546 $660 $770 $875 $1,052 $1,215 $1,255
$12,500 $557 $566 $685 $800 $910 $1,092 $1,260 $1,300
$397
$437
$635
$504
$614
$904
$13,000 $577 $586 $710 $830 $945 $1,132 $1,305 $1,345
$640
$751 $1,170 $13,500 $597 $606 $735 $860 $980 $1,172 $1,350 $1,390
$1,131 $1,286 $2,062 $14,000 $617 $626 $760 $890 $1,015 $1,212 $1,395 $1,435
$1,972 $2,316 $4,182 * www.manulifetravelinsurance.com displays more Trip Cancellation/
Interruption premium rates.
$2,272 $3,055 $5,225

Savings and Features Offered

Family Rate
(up to and including age 59) 2x oldest/only adult

Travel Companion 5% savings

Travel Canada 50% off
(cannot be combined with a deductible)

Refunds

Top-ups
Provincial Sales Tax

(1) up to 212 days