Manulife Visitors Insurance Review

Manulife Visitors Insurance 

Manulife is Canada's largest insurance company, offering life, extended health, accident and sickness, travel insurance policies, and a wide array of insurance investment products to individuals and groups. Manulife also operates worldwide and is a well-known brand in the financial services industry. They are Canada's largest travel insurance provider, having surpassed RBC's travel insurance division in 2012.

Trophy icon demonstrating popularity

Manulife is popular with visitors to Canada aged 75+

Trophy icon demonstrating popularity

Manulife is popular with visitors to Canada aged under 59


Manulife Standout Features


Star icon representing standout features

Available After Arrival in Canada

Yes, with a 48-hour waiting period for illness.

(International Student Plan & Visitor to Canada Plans)

Star icon representing standout features

Tutorial Services

Up to $5,000 per semester

(International Student Plan)

Star icon representing standout features

Travel to Other Countries

Max 30 days coverage. Time spent in Canada must be greater than the duration of the side trip.

(Visitor to Canada Plans)

Manulife Advantages & Disadvantages

Pros icon   Advantages

  • Two plans are available: one that does not include coverage for stable pre-existing medical coverage and one that does. This helps lower the cost of the no-pre-ex plan.
  • Manulife's Plan B policy covers stable (180 days prior to effective date) pre-existing medical conditions up to age 85 - longer than any other provider.
  • Low administrative fees. They do not charge cancellation fees, or fees for 'change of mind' cancellations mid-way through visa applications.
  • Hospital Benefits include up to a semi-private room rate.
  • Their plan will permit trip breaks - if a traveller must return home and then back to Canada quickly, with permission, the policy will not automatically end.
  • A wide variety of deductibles are available that help to reduce upfront costs.
  • Language is friendly for Coumadin (Warfarin) and insulin.
  • Manulife's International Student Plan contains a high-quality list of secondary benefits like: 
    • Tuition Reimbursement 
    • Transportation of a Relative or Friend 
    • Mental Health Practitioner 
    • Paramedical Services

Cons icon   Disadvantages

  • Some secondary benefits are not as high as other plans such as:
    • Dental benefits 
    • Cremation/burial benefits
  • Higher cost compared to other visitor to Canada policies.

Frequently Asked Questions