Manulife Travel Insurance Review

Manulife Financial Corporation is a leading financial services provider operating since 1887. Manulife has a global headquarters in Toronto, Canada, but also operates across Canada, Asia and Europe. 

Depending on the policy, the underwriter for Manulife is either The Manufacturers Life Insurance Company or First North American Insurance Company.

Manulife Standout Policy Benefits

Manulife Advantages & Disadvantages

   Advantages

• The Manulife Emergency Medical policy costs less than the average policy cost above age 55.
• Manulife is a reputable company with a longstanding history.
• Low pre-existing condition stability periods of 90 or 180 days, depending on the plan.
• The Manulife Individual Underwriting plan has a stability period of only 1 day, which is shorter than all other plans for Canadians. This is a great plan for people who need a policy with a short stability period.

   Disadvantages

• The Manulife COVID-19 Pandemic Plan is a higher cost at all ages compared to the average cost of Canadian insurance.
• The Manulife Emergency Medical Plans have extensive medical questionnaires for travellers above the age of 60.

Frequently Asked Questions

Show  Age Availability

Q: What is Manulife's policy age limit?

A: 

Manulife Individual Underwriting Plan	Up to age 125
Manulife Student Policy	Up to age 45
All other Manulife plans	Up to age 120

Show Stable Pre-existing Medical Conditions

Q: Does Manulife have plans that cover stable pre-existing medical conditions?

A: Yes! Manulife does have policies that cover pre-existing conditions. Generate a quote on the left side of this page to check stability requirements.

Show Cost

Q: How do Manulife's policy costs compare to other BestQuote policies?  

A: We created a bar chart to show you how the Manulife COVID-19 Pandemic and the Manulife Out of Province Emergency Medical Single-Trip plan costs compare to other BestQuote emergency medical policies for Canadians in 4 age categories: 25, 40, 55, and 75.

We compared each policy on March 13, 2025, with the following fixed criteria:

• Traveller type: Canadian traveller
• Policy type: Emergency medical insurance (single-trip)
• Deductible: $0
• Province: Ontario 
• Medical conditions: None
• Policy length: 30 days (1-month) 

The bar chart below compares the Manulife plans against the average cost of all emergency medical single-trip policies available to Canadians in 4 age categories. Each policy has a rank assigned based on cost. The lowest cost policy is 1, and 11 is the highest.