Does your Emergency Medical plan cover me if I require medical attention due to injuries sustained while scuba diving?
Scuba diving is covered only if it is not your principal paid occupation.
I have booked a trip and purchased an All-Inclusive plan. I will be taking my golf clubs with me. Will you reimburse me if my clubs are stolen?
If your clubs are stolen and you can provide documentation to that effect, you are eligible to file a claim. However, the baggage insurance covers a maximum dollar amount and may not be sufficient to cover your entire loss. You may be able to claim the difference through your homeowner's insurance policy.
I booked a trip and purchased an All-Inclusive plan with $3,500 coverage prior to departure. If I am sick and can’t travel do I get the $3,500 back?
It will depend on what the non-refundable portion of your trip is at the time you developed the medical condition. The examiner will look at the penalties that were applicable to you on the date of the cause of the cancellation or on the next business day at the latest and you will be reimbursed for covered non-refundable expenses. If you have purchased the Premium Protection Plan Policy Coverage you may cancel for Any Reason and will be reimbursed for amounts listed below... BENEFITS UNDER THE CANCEL FOR ANY REASON ARE PAYABLE AS FOLLOWS: 1. 7 days prior to departure 75% [...]
We have a trip scheduled for next month and we have an All-Inclusive policy. We have just been notified that my partner has been called for jury duty. Are we covered if we cancel the trip?
It depends on when your partner has to report for jury duty. If that date falls during your trip, you may submit a claim for trip cancellation.
Can I get a refund on my insurance premium?
Some refunds are permitted. Please contact the person/travel company you are going to purchase from and request more details on the Refund/Change option.
Can I buy insurance after I’ve started my trip?
No. Coverage must be purchased prior to departure. However, if you do have coverage in place, you may request an extension of your coverage if you extend your trip.
I’d like to have travel insurance coverage for all of next month. Can I come home for a weekend and then return to my trip and keep my coverage?
No. Coverage terminates when you return to your point of departure.
I have a heart condition that I have had for 2 years now. My doctor says I can travel. Will this insurance cover me if I suffer a heart attack while on my trip?
To determine the stability requirement of any medical condition, please refer to the definition of stable within the policy booklet. Please also take the time to review other exclusions and conditions of the coverage outlined in the policy as the period of being stable depends on the coverage chosen and the age at the time of purchase. The travel insurance policy can be viewed here: Manulife Premium Protection Plan Policy
I would like to purchase an Annual Emergency Medical plan. I’m not travelling though until early next year. Can I buy the coverage today?
Under the Annual Emergency Medical Plan, the first travel date may not be scheduled more than 3 months after the Annual Plan premium is paid.
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