Manulife Travel Insurance Canada Review
Based on my personal reviews, Manulife Travel Insurance Canada is one of the best travel insurers in the country. It’s legit, not a scam; it’s a great insurance company. Please do not confuse one of the best travel insurers with a PERFECT travel insurance company.
When reading negative reviews online, keep in mind that most of the negative reviews are the result of people not understanding the travel insurance contract they signed. I do recommend that you read this article in full because even if you disagree with some of the contents, I’m being honest with you.
On a side note, you should also look into seeing if your credit card issuer offers travel insurance; although credit card travel insurance typically isn’t as good as Manulife Travel Insurance Canada, it’s typically adequate.
The insurance industry is the people’s business, and travel insurance is one of the most expensive types of insurance for an insurance company regarding payouts.
Because God forbid something happens to you while you’re on vacation, we’re talking about the insurance company having to pay PRIVATE medical care expenses, medications, ambulances, nurses, doctors, surgeons, airplanes, helicopters, room and board, food in another country, etc. Meaning that the insurer will have to have established diplomatic relations in another country to take care of you if the worst happens.
People who don’t buy travel insurance and get injured on vacation can go from millions of dollars in the bank to millions of dollars in debt in the blink of an eye. Once you wrap your head around how IMPORTANT having travel insurance is, you’ll typically become thankful that companies like Manulife Travel Insurance Canada even exist.
Call or text Romone for more information
Contact Romone: (416) 705-0892
You can also use the contact form for more information.
If you’re ready to see if you qualify for our premium Canadian travel insurance, click the button below.
Click Here For Professional Travel Insurance Assistance With Tugo
As a Canadian, you must understand that our Universal healthcare system only applies to the PROVINCE in which you reside; we have PROVINCIAL health cards. As an Ontarian, my taxes go to ONTARIO’s public healthcare system, and it’s not the Ontario nor Canadian taxpayers’ responsibility to pay for my medical bills while I’m on vacation outside the province or outside of the country of Canada.
Manulife Travel Insurance Canada
Important Facts About Travel Insurance Companies and Keeping Costs Down (Post Underwriting)
The reason Travel Insurance is inexpensive revolves around post-underwriting; similar to Group Insurance, the insurance company will only investigate your medical history AFTER you’ve submitted a claim.
Post-claims underwriting is when an insurer investigates an individual or small group policyholder’s medical history after the policy has been issued, and in particular after claims are submitted. Insurers have said that post-claims underwriting prevents fraud and therefore helps keep premiums rates low.
If the insurance companies started investigating your medical history before issuing you a travel insurance policy, the costs for travel insurance would SKYROCKET, potentially being 5X more than the price quotes you see today.
With that said, you should NEVER lie on your Travel Insurance application because you do not want to waste your money and your time. Travel Insurance contracts are legally binding and post-underwritten so Canadians can enjoy the joy of traveling with a feeling of security that if the worst happens, they won’t fall into financial ruin.
Manulife Travel Insurance Canada is a great travel insurer; obviously, it’s not perfect, but they’re one of my favorites and definitely worthy of your consideration.
If what you read in this post today is new to you, it’s likely because you don’t have your own personal Insurance agent helping you with your Travel and Life Insurance needs. Hi, I’m Romone, and I do this for a living.
If you haven’t done so yet, have my expertise at your disposal, feel free to contact me, make me your go to Insurance Agent, and join my growing family. Please like and share this post with 10 of your friends.
Call or text Romone for more information
Contact Romone: (416) 705-0892
You can also use the contact form for more information.
If you’re ready to see if you qualify for our premium Canadian travel insurance, click the button below.
Click Here For Professional Travel Insurance Assistance With Tugo
Nadir Janmohamed
REVIEW FOR MANULIFE TRAVEL INSURANCE.
i AM A RETIRED PERSON AND LOVE TO TRAVEL AND I ALWAYS PURCHSE INSURANCE FRO MANULIFE.
tHAT WAS THE LAST TIME I PURCHASED INSURANCE FROM THEM AS MY EXPERIENCE HAS BEEN TERRIBLE AN I RECOMMEND THAT YOU LOOK FOR OTHER PROVIDERS.
THE AGENTS ARE VERY QUICK TO SELL YOU APOLICY BUT DONT KNOW WHAT THE INCLUSIONS ARE. THEY HAVE MORE EXCLUSIONS THEN INCLUSIONS. YOU ONLY DISCOVER THIS WHEN YOU MAKE A CLAIM.
THEY ARE AN INSURANCE CO AND ARE ONLY INTERESTED IN TAKING YOUR MONEY WITHIN 5 MINUTES BUT IT WILL TAKE AT LEAST 5 WEEKS TO GET A HOLD OF THEM AND STILL NOT GET YOUR MONEY BACK. I FILED A CLAIM IN FEB 2025 UPON MY RETURN. YOU NEED A COMPUTER SCIENCE DEGREE TO NVIGATE THEIR WEB SITE AND SEND THEM THE INFORMATION THEY DEMAND AND EVEN AFTER THAT YOU NEED TO CALL THEMSEVERAL TIMES JUST TO BE ABLE TO GET A HOLD OF SOMEONE TO HELP YOU. WHEN YOU FINALLY GET A HOLD OF THEM, YOU WILL GET RUN AROUND AND THEY REFUSE TO CALL YOU BACK TO HELP YOU.
aFTER 6 WEEKS Y CLAIM WAS DEALT WITH AND PARTIALLY APPROVED. i HAD LEFT MY PRESCRIPTION SUNGLASSES IN MY LUGAGE AS I AM NOT ABLE TO MANAGE MY CARRYON LUGAGE AS I HAVE A BROKEN LEG AND USE A WALKING CANE AND IT IS DIFFICULT TO CARRY A BAG AND STORE MY BAG IN THE OVERHEAD COMPARTMENT. MY LUGAGE WAS DAMAGED AND ARTICLES WERE STOLEN AND MANULIFE HAS DENIED MY CLAIM FOR MY prescription sunglasse.s. they say its an EXCLu The only reason i left them in my suitcase s opposed to my carry on was due to the reason mentioned above.! my total cxlaim was for $1212.61 and they only want to reimburse me for my damaged luggage for $237.29.. i requested reimbursement via interact and have been waiting over 5 weeks to receive my money. I paid a premium of $1,000 app for the insurance and they only agree to pay $ 237. Clerly they made a lot of money on this policy and they have still not sent me my money.
I suggest you look for another provider. i am considering calling CP 24 In Toronto and informing them of this issue so the whole country can learn about this thieving company
Publisher
Sorry to hear that. I know sometimes people don’t see the value in having their own personal travel or insurance agent, but in situations like yours, having a knowledgeable agent on your side might have helped you navigate things more smoothly.
Warm regards