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Trip interruption and cancellation

Protect the investment you’ve made in your trip.

You may already have a travel insurance plan that covers emergency medical expenses. But what if, due to an unforeseen emergency or event, you have to cancel your trip? What if you unexpectedly need to return home earlier or stay longer than planned?

Adding the Trip Cancellation & Trip Interruption plan to your existing travel medical coverage helps you protect the investment you made in your trip. You can also purchase it as a stand-alone plan, if that's all the coverage you want.

Trip Cancellation & Trip Interruption benefits*

  • Up to the sum insured amount
  • Reimbursement for a covered event (see below) of the prepaid portion of the trip that is non-refundable and cannot be moved to another date, should you need to cancel your trip or your trip is interrupted.

Highlights of some of the covered events:

  • Your or your travel companion's unexpected medical emergency or death
  • Unexpected medical emergency or death of your or your travel companion's immediate family or key person
  • Cancellation of a business meeting
  • A job loss by you, your spouse, your travel companion or travel companion's spouse
  • The person whose guest you will be during your trip has been admitted to a hospital or passes away

To be eligible for stand-alone Trip Cancellation & Trip Interruption insurance under this policy, you must:

  • be living in Canada or travelling through Canada;
  • have paid the appropriate premium;
  • be at least thirty (30) days of age;
  • not have been advised by a physician to avoid travel at this time;
  • not have a terminal illness or metastatic cancer;
  • not require kidney dialysis;
  • not have been prescribed or used home oxygen in the last twelve (12) months; and
  • never have had bone marrow, stem cell or organ transplant (except corneal transplant).

Pre-existing condition exclusions

Travel insurance will not cover any expenses or benefits relating to:

  • Any medical condition that was not stable in the three (3) months before the purchase date of this insurance;
  • Any heart condition you or your travel companion have if, during the three (3) months prior to the purchase date or application date of this insurance, you or your travel companion have taken any form of nitroglycerine for the relief of angina;
  • Any lung condition you or your travel companion have if, during the three (3) months prior to the purchase date or application date of this insurance, you or your travel companion required treatment with home oxygen or Prednisone for a lung condition.

Medical Condition means any disease, sickness or injury (including symptoms of undiagnosed conditions).

Stable

A medical condition is considered stable when all of the following statements are true:

  1. there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and
  2. there has not been any change in medication, or any recommendation or starting of a new prescription drug, and
  3. the medical condition has not become worse, and
  4. there have not been any new, more frequent or more severe symptoms, and
  5. there has been no hospitalization or referral to a specialist, and
  6. there have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
  7. there is no planned or pending treatment.

All of the above conditions must be met for a medical condition to be considered stable.

Ready to apply?

If you’re ready to lock in the coverage that works best for you – take the next step and get a quote for the coverage you need, then proceed to the application.

 Get a quote and apply

Take action

Downloads

Contact us

For more information and to speak to a Licensed Insurance Advisor, call

1-866-707-4922
(Monday – Friday 8am – 8pm ET)

Or email travelhelp@manulife.com

NOTE: All dollar figures are in Canadian dollars.

* Conditions, exclusions, limitations apply. See policy for details.

** Manulife cannot guarantee the availability of the StandbyMD service indefinitely.

StandbyMD is a registered trademark™ of Healthcare Concierge Services, Inc.