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'Single-trip' for one time only policies; 'Multi-trip' allows numerous trips during a one year policy period; 'top-up' allows you to add coverage to an existing plan (make sure your existing insurance provider allows top-ups from other companies or please
(Click on the space bar provided) Enter the date you arrive(d) in Canada. If you haven't arrived in Canada, this may be the same as your effective date.
(Click on the space bar provided)For Visitors to Canada (and Super Visa Insurance) and Returning Expats, enter the date you will arrive in Canada. If you have already arrived, put the date you would like the policy to begin.
(Click on the space bar provided) Enter your return date for single trip or multi-trip plans. You can adjust maximum duration once you receive your quote if desired. Expats enter date they will receive provincial coverage.
Please list all destinations you will be traveling to. USA five days or less is only for travelers 'in transit'. If the USA is your main destination (not transit) and the trip is less than 6 days, choose 'more than 5 days' to see USA plans.
Enter the total number of people to be insured. Family rates are available but maximum age of children is 21. Otherwise ask for a quote for two companion travelers at a time.

Family quotes are restricted to parents & guardians under age 60 and dependent children under age 21.

Manulife Visitors to Canada Insurance

Manulife is Canada's largest insurance company, offering life, extended health, accident and sickness, and travel insurance policies, as well as 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 the largest provider of travel insurance in Canada, having surpassed RBC's travel insurance division in 2012.

Advantages

Two plans available: one that does not include coverage for stable pre-existing medical coverage and one that does. This helps lower the cost on 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 administrtaive fees. They do not charge cancellation fees, or fees for 'change of mind' cancellations mid way thru visa applications.

Hospital Benefits include up to a semi-private room rate.

Their plan will permit trip breaks - if a traveler must return home and then back to Canada quickly, with permission, the policy will not automatically end.

A wide variety of dedcutibles are available that help to reduce upfront costs.

Language is friendly for insulin warfarin/coumadin.

Disadvanatges

Some secondary benefits are not as high as other plans:
Dental and Funeral/cremation benefits are somewhat low compared to other plans;
No Accidental death and dismemberment benefits.

Language is not aspirin friendly.

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