Manulife Visitors to Canada Insurance Review
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.
Manulife is popular with Visitors to Canada aged under 75 or those aged under 59.
Manulife Standout Features
Available After Arrival
Available for purchase after arriving in Canada, with a 48-hour waiting period for illnesses. (International Student Plan & Visitor to Canada Plan)
Tutorial Services
Cover up to $5,000 a semester for tutoring services. (International Student Plan)
Travel to Other Countries
Travel abroad to other countries for a maximum coverage period of 30 days. The time you spend in Canada must be greater than the duration of your side trip. (Visitors to Canada Plan)
Manulife Advantages & Disadvantages
| Advantages | Disadvantages |
|---|---|
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. | Some secondary benefits are not as high as other plans such as:
- Dental benefits
- Cremation/burial benefits |
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. | Higher cost compared to other visitor to Canada policies. |
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 |
