Manulife Visitors Insurance Review

Manulife Visitors Insurance 

Manulife is Canada's largest insurance company, offering life, extended health, accident and sickness, travel insurance policies, and a wide array of insurance investment products to individuals and groups. Manulife also operates worldwide and is a well-known brand in the financial services industry. They are Canada's largest travel insurance provider, having surpassed RBC's travel insurance division in 2012.

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Manulife is popular with visitors to Canada aged 75+

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Manulife is popular with visitors to Canada aged under 59

 

Manulife Standout Features

 

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Available After Arrival in Canada

Yes, with a 48-hour waiting period for illness.

(International Student Plan & Visitor to Canada Plans)

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Tutorial Services

Up to $5,000 per semester

(International Student Plan)

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Travel to Other Countries

Max 30 days coverage. Time spent in Canada must be greater than the duration of the side trip.

(Visitor to Canada Plans)

Manulife Advantages & Disadvantages

Pros icon   Advantages

  • Two plans are available: one that does not include coverage for stable pre-existing medical coverage and one that does. This helps lower the cost of the no-pre-ex plan.
  • Manulife's Plan B policy covers stable (180 days prior to effective date) pre-existing medical conditions up to age 85 - longer than any other provider.
  • Low administrative fees. They do not charge cancellation fees, or fees for 'change of mind' cancellations mid-way through visa applications.
  • Hospital Benefits include up to a semi-private room rate.
  • Their plan will permit trip breaks - if a traveller must return home and then back to Canada quickly, with permission, the policy will not automatically end.
  • A wide variety of deductibles are available that help to reduce upfront costs.
  • Language is friendly for Coumadin (Warfarin) and insulin.
  • Manulife's International Student Plan contains a high-quality list of secondary benefits like: 
    • Tuition Reimbursement 
    • Transportation of a Relative or Friend 
    • Mental Health Practitioner 
    • Paramedical Services

Cons icon   Disadvantages

  • Some secondary benefits are not as high as other plans such as:
    • Dental benefits 
    • Cremation/burial benefits
  • Higher cost compared to other visitor to Canada policies.

Frequently Asked Questions