OUR INSURANCE PRODUCTS
Pre-Season Travel
Your world awaits and pre-season savings are here, so pack your bags and go! The Pre-Season Savings Event is on now! Until October 31, 2023, you can purchase single-trip and multi-trip emergency medical plans at low 2022 rates. Plus you’ll receive an additional 1.5% savings on the posted rates! But wait, it gets better…
Government Travel Advisories
Stay safe by staying informed of the risks around the world.
Learn moreTHE McLENNAN GROUP TRAVEL INSURANCE
Know the facts about safe travel
What Are the Government Travel Advisory Levels, And What Do They Mean?
- LEVEL 1: Exercise normal security precautions - similar to those you would take in Canada.
- LEVEL 2: Exercise a high degree of caution - safety and security concerns or situations could change quickly. Be very cautious at all times, monitor local media, follow instructions of local authorities.
- LEVEL 3: Avoid non-essential travel - your safety and security could be at risk. Think about your need to travel to this country, territory or region, or if you are already there, think about leaving.
- LEVEL 4: Avoid all travel - you should NOT travel to this country, territory or region. Personal safety and security are at great risk. If you are already there, think about leaving if it is safe to do so.
Make an informed decision on your travel insurance
Outside Canada, coverage provided by provincial health plans for hospital and medical expenses is very limited. Without additional insurance, costs incurred from a medical emergency can be financially devastating.
Travel insurance is designed to pay for unexpected costs that arise while you’re away, such as hospital / medical, trip cancellation and lost baggage. Be aware that not all plans provide all coverage, and you get what you pay for.
If it sounds too good to be true, it probably is. Don’t be fooled by low price. Look at benefits, coverage levels and most importantly, the policy maximums. More important, don’t wait to the last minute to purchase travel insurance. Give yourself time to compare plans.
Be sure that what you’re buying meets your needs
Remember, most claim denials result from customers not understanding what they have purchased, not knowing their own obligations in an emergency, or simply not reading their policy to learn what is and isn’t covered. If in doubt, ask questions BEFORE you buy:
- PRE-EXISTING CONDITIONS: What are the restrictions and limitations?
- FULL LENGTH OF TRIP: Are you covered for the duration of the trip?
- CHANGE OF PLANS: Can coverage be extended after you’ve departed?
- RETURN TRIP HOME: Is it paid for in the event of an emergency?
- ASSISTANCE SERVICES: What is offered, and how are services accessed?
On your application, honesty is the ONLY policy
You need to answer all questions on your application honestly. Otherwise the policy may be voided, and your claim may be denied.
Our licensed brokers are qualified to assist with your medical declaration. They will work with you to help ensure that you understand all medical questions. But if you’re unsure of the meaning of any questions on the application, or are unsure of your medical conditions, our brokers will recommend that you verify your information with your doctor.
What the experts are saying:
Advice from THiA and CLHIA
THiA
The Travel Health Insurance Association of Canada is a national organization of travel insurance providers working together for the protection of the travelling Canadian. Their suggested travel insurance shopping tips include:
- Don’t buy on price alone. Insurance plans differ. All policies need to fit your health profile.
- Read your Policy. Discuss it with your advisor. Examine a plan’s exclusions and limitations: what it doesn’t cover, as well as what it does.
- Many plans cover pre-existing conditions that are stable and controlled, but you have to understand what “stable and controlled” means. If you must complete a medical application, do it completely and accurately and get your doctor’s help if you need to.
- Don’t wait to the last minute to buy your insurance. If you need to provide medical information you may want to consult your doctor or your pharmacist or a family member who knows about your medical history. Leave time to do this properly.
- If you buy early for a trip you’re taking later on in the year and your health changes in the interim, notify your insurer immediately.
- For those with medical conditions, the best way to purchase travel insurance is to deal with a qualified advisor who deals extensively in travel insurance.
Great Resource: Download and read the Travel insurance consumer guide on thiaonline.com.
Read moreCLHIA
The Canadian Life and Health Insurance Association is a voluntary trade association working on behalf of all its member life and health insurers. CLHIA produces a number of publications designed to assist Canadian consumers in making informed decisions.
One such CLHIA publication, A guide to travel health insurance, is intended to help consumers make the most of their travel health insurance coverage. The guide outlines that the expected costs that may arise when traveling can include emergency hospital/medical costs, trip cancellation, lost baggage etc., but points out that not all plans cover all of these components.
Great Resource: Download and read A guide to travel health insurance on clhia.com.
Read moreTRAVEL INSURANCE
If you’re ready to travel, start with the right protection
Whether you’d like a no-obligation quotation or more information, give us a call. Our licensed insurance specialists are here to answer your questions, explain your options and help select the right coverage for your needs based on your health and travel plans: 1.866.943.6017.
Insurance policies underwritten by The Manufacturers Life Insurance Company and First North American Insurance Company, a wholly owned subsidiary of Manulife, PO Box 670, Stn. Waterloo, Waterloo, ON N2J 4B8.
Certain terms, conditions, limitations, and exclusions apply, see policy for details.
Manulife, Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license. © 2023 The Manufacturers Life Insurance Company. All rights reserved. * Any policy changes, cancellations and refunds will only be permitted prior to your single-trip plan departure date or multi-trip plan policy effective date, even if that date falls within the 10-Day Free Look Period. Further, there can be no changes in your medical condition or stability from the date you purchased your policy. Product may not be available in all provinces. Life and Health Plans offered by The McLennan Group Life Insurance Inc. Auto & Home and Pet Programs and Small Business Liability Insurance offered by The McLennan Group Insurance Inc.
Receive trusted advice with Insurance Insights
50-PLUS INSURANCE SPECIALISTS
Our free quarterly e-newsletter provides the facts you need to compare insurance products and make an informed buying decision. Sign up and have Insurance Insights delivered right to your inbox!
Sign up today!