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Introduction to Manulife Top Up Travel Insurance
Travelling can be an exciting experience, but it can also be a risky one. An unexpected illness, accident, or trip cancellation can ruin your travel plans and cause financial loss. This is where travel insurance comes in handy. Manulife Top Up Travel Insurance is a great way to enhance your coverage when travelling outside your home province or country.
What is Manulife Top Up Travel Insurance?
Manulife Top Up Travel Insurance is a supplemental travel insurance plan that you can purchase to add extra coverage to your existing travel health insurance. It provides additional protection for trip cancellations, interruption, and baggage loss or damage. It also covers emergency medical expenses not covered under your primary travel insurance plan, such as hospitalization, doctor’s fees, and prescription drugs.
Who is eligible for Manulife Top Up Travel Insurance?
Manulife Top Up Travel Insurance is available to Canadian residents who have purchased comprehensive emergency medical coverage through their employer, credit card, or other insurance provider. You must be between 16 and 74 years of age and travelling outside your home province or country for at least three consecutive days. There is no medical examination required to apply for this insurance.
What are the benefits of Manulife Top Up Travel Insurance?
| Benefits | Coverage |
| Emergency Medical Expenses | Up to $5 million |
| Trip Cancellation and Interruption | Up to $25,000 per insured person |
| Baggage Loss or Damage | Up to $1,500 per insured person |
| Accidental Death and Dismemberment | Up to $50,000 per insured person |
| Flight Accident | Up to $100,000 per insured person |
How does Manulife Top Up Travel Insurance work?
When you purchase Manulife Top Up Travel Insurance, you are enhancing your existing travel health insurance coverage, provided by your employer or credit card company. You will be covered for emergency medical expenses that exceed the limit of your primary coverage. For example, if your primary coverage provides up to $1 million in emergency medical expenses, and you incur a medical bill of $2 million, Manulife Top Up Travel Insurance will cover the remaining $1 million.
If you cancel or interrupt your trip due to a covered reason, such as illness, injury or death of a family member, Manulife Top Up Travel Insurance will reimburse you for your non-refundable travel expenses, up to the limit of your coverage. If your baggage is lost or damaged during your trip, you will be reimbursed for the cost of repairing or replacing it, up to the limit of your coverage.
How much does Manulife Top Up Travel Insurance cost?
The cost of Manulife Top Up Travel Insurance depends on the level of coverage you choose, your age, and the duration of your trip. You can get a quote online or by contacting a Manulife representative. The premium can range from $5 to $20 per day, depending on your coverage.
How to apply for Manulife Top Up Travel Insurance?
You can apply for Manulife Top Up Travel Insurance online or by contacting a Manulife representative. You will need to provide information about your existing travel insurance coverage, your trip details, and your personal information. You can pay for your premium using a credit card or through online banking.
Conclusion
Manulife Top Up Travel Insurance is a valuable addition to your existing travel health insurance, providing extra protection for unexpected events while you are travelling. It is easy to apply for and affordable, with flexible coverage options. Whether you are travelling for business or pleasure, make sure you have the peace of mind that comes with having adequate travel insurance.
- Q: Is Manulife Top Up Travel Insurance available to visitors to Canada?
- A: No, Manulife Top Up Travel Insurance is only available to Canadian residents who have purchased comprehensive emergency medical coverage through their employer, credit card, or other insurance provider.
- Q: How long can I purchase Manulife Top Up Travel Insurance for?
- A: Manulife Top Up Travel Insurance can be purchased for the duration of your trip, up to a maximum of 365 consecutive days.
- Q: What is the maximum coverage limit for Manulife Top Up Travel Insurance?
- A: The maximum coverage limit for Manulife Top Up Travel Insurance is $5 million for emergency medical expenses.