CoverMe Travel Insurance Review (May, 2024) – Pros, Cons, Features, Pricing

Are you looking for a CoverMe travel insurance review to be sure it’s a great choice to cover your vacation? You’re in the right spot. This insurance package is offered by Manulife Financial Corporation.

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Last Updated: May 23, 2024

CoverMe Travel Insurance

  • Save on emergency medical costs
  • Prescriptions, call an ambulance or stay in hospital
  • Cover one trip or a year full of trips

Get medical care wherever you are whether you're a travelling Canadian, a visitor to Canada or a student - Claim this offer

When it comes to travelling, you cannot be too careful. Unforeseen events can occur, which can cost you a considerable sum if you’re not insured.

CoverMe travel insurance offers different types of insurance plans. These include emergency medical insurance, travel interruption or delay, and trip cancellation, among others.

These plans don’t come at a fixed premium cost. The price depends on your age, travel costs, health challenges, etc. Also, you can save up to 5% if you’re a Costco member.

Before getting started with this insurance, take a moment to read through this CoverMe travel insurance review. You’d get to understand its pros and cons, products, and services, among many other things.

What makes CoverMe Travel Insurance a good option?

CoverMe Travel Insurance prides itself on being one of Canada’s largest travel insurance companies. Does that make it a good option for you?

Well, their large customer base must be enjoying some benefits. However, we’d let you be the judge by explaining what makes them a good option below in this CoverMe travel insurance review section.

Emergency coverage for trips outside Canada

This is one of the benefits that Manulife CoverMe provides. As a Canadian resident under CoverMe, your trips to other provinces within Canada and regions outside Canada are insured. You can get up to $10 million in coverage for medical emergencies when you embark on your trips.

You must have a Canadian health insurance plan in order to be eligible for this benefit. Also, your health status will not be checked if you’re younger than 60 years old.

Coverage for non-Canadians who are visiting

Manulife travel insurance gives you medical emergency coverage when you visit Canada. However, you won’t be covered by a Canadian territorial or provincial health insurance plan, as this is strictly for Canadian residents.

You should be 85 years old or younger to be eligible for this benefit. If you’re younger than 69, you will enjoy up to $150,000 in coverage for medical emergencies. While you’d get up to $100,000 in medical emergency coverage if you’re older.

Access up to $2 million in travel benefits as a student

This is another reason why CoverMe travel insurance might be a good option for you. Suppose you’re a student travelling for studies in Canada. In that case, you can access up to $2 million in health insurance under Manulife travel insurance.

This covers both medical and non-medical emergencies. That way, you can concentrate on your studies without worrying about paying medical bills.

To be eligible for this benefit, you should be a full-time or post-doctoral student. Also, you should be 44 years old or younger.

Family coverage is available

You can purchase a family plan if a Canadian resident travels within and outside the country. This option is also available to you if you’re just visiting the country.

Whether you’re a resident or a visitor, all your family members must be younger than 60 years old. Also, babies must be at least one month old. However, if you’re on a student package, your family members must be younger than 45 years old.

Plan addition

You might be on a one-trip or a full-year travel plan but would want to benefit from the COVID-19 pandemic plan. CoverMe allows you to include additions like this, especially if travelling to an area prone to the disease. You can also top up on extra days if you have to stay longer than you planned.

You can add more plans to the one you already purchased whenever the need arises. However, this might be impossible for plans that require medical examinations and fitness checks.

manulife CoverMe travel insurance review - comparewise

Pros and cons of Manulife CoverMe

After reading why this travel insurance is a good option in this CoverMe travel insurance review, here are the pros and cons.

The pros of Manulife CoverMe

The strengths of the Manulife Travel Insurance Company are as follows:

Access up to $10 million to cover medical emergency

This insurance company gives up to $10 million in coverage for medical emergencies. This would help cover health emergencies that may occur during vacations without breaking the bank.

Access to COVID-19 pandemic insurance

It’s frightening to travel outside Canada to a region prone to COVID-19. Even though the pandemic has been declared over, it is better to be prepared for the worst. CoverMe travel insurance has a plan that caters to this. The good news is that you can purchase it even if you’re already on another plan.

Access to family coverage savings

Travelling for a vacation is most interesting if done with family. Watching the kids play while sipping juice from a coconut on a beach is fulfilling.

However, any of your family members could fall ill, and getting medical attention at such a time could cost a considerable sum. The family coverage savings on Manulife CoverMe have got your back on this.

Tuition reimbursement for students

You might need to take a break from your studies for one reason or another. Without insurance, your tuition fee is gone, and you’d have to pay another when you return to school. However, CoverMe gives you tuition reimbursement when situations like these occur. 

Good customer service

Travel insurance has good customer service that is available any time of the day to assist you. You can rest assured that an agent is available to attend to your queries and complaints at any time.

The cons of Manulife CoverMe

Despite the above-stated benefits, there is one notable downside. It is explained in this CoverMe travel insurance review as follows:

No insurance coverage for kids below one month of age

If you need to purchase a travel insurance policy for an infant, you might have to wait until they are at least one month old. This is because the travel insurance policy on Manulife CoverMe doesn’t cover kids younger than 30 days.

CoverMe Travel Insurance products and services

This CoverMe travel insurance review section will explain the company’s products and services. The entire coverage available on Manulife CoverMe travel insurance is as follows:

  • Medical repatriation
  • Hospital allowance
  • Emergency medical
  • Paramedical services
  • Trip interruption
  • Emergency dental care for pain
  • Return of remains
  • Emergency dental care for injuries
  • Bedside companion travel and subsistence
  • Pet returns
  • Medical Emergency for a Child
  • Trip cancellation
  • Subsistence allowance during trip delays
  • Meals and accommodations during trip delays
  • Travel accident
  • Baggage insurance
  • Flight accident
  • Missed connection
  • Stolen driver’s license or other vital documents
  • Baggage delay

However, there are five basic plans that you can choose from. Included in each of these plans are some of the above-listed coverages. They are explained as follows:

Emergency insurance travel plan

This covers up to $5 million in medical emergencies and up to eleven of the total travel insurance coverages in CoverMe. The coverages that are excluded from this plan include:

  • Trip cancellation and interruption
  • Meals and accommodation during trip delays.
  • Travel and flight accidents
  • Missed connection.
  • Baggage insurance and delays
  • Loss of driver’s license or other vital documents.

All-inclusive travel plan

This plan covers up to $10 million for medical emergencies. It includes all the travel insurance coverages on Manulife CoverMe. You’d get up to $100 per trip for the loss of vital documents and up to $500 when your baggage is delayed for up to 10 hours or more.

COVID-19 pandemic plan

The COVID-19 pandemic plan covers up to $5 million for vaccinated customers and up to $1 million for unvaccinated customers. It has a total of fourteen travel insurance coverages in CoverMe. The coverages that are excluded from this plan include:

  • Travel and flight accidents 
  • Baggage insurance and delays
  • Loss of driver’s license or other vital documents
  • Trip cancellation

Student insurance plan

This plan covers up to $2 million in medical and non-medical emergencies for up to 12 months. Family coverage savings, among some other coverages, are Inclusive. The entire coverage under this plan is as follows:

  • Medical and non-medical emergencies
  • Family coverage savings
  • Tuition reimbursement
  • Accidental death or dismemberment (AD&D)
  • Travel during the school year when the plan is still ongoing

Trip cancellation and interruption plan

The trip cancellation and interruption plan don’t cover medical emergencies. There are about five coverages included under this plan, and they are as follows:

  • Return of remains
  • Trip cancellation
  • Meals and accommodations during trip delays
  • Trip interruption
  • Missed connection
manulife coverme - comparewise

CoverMe Travel Insurance product and service quality

CoverMe travel insurance policies have proven to be reliable, especially being a subsidiary of Manulife Financial Corporation. Manulife insurance has existed for over a century.

Their customer service agents are within reach at any time of the day or year. In the event of an emergency in foreign lands, the customer service representative would provide translation and interpreting services.

Also, making claims on this platform is relatively easy. The entire process can be done online, and you’ll receive your funds in 60 days.

How to get started with CoverMe Travel Insurance

In this section of the CoverMe travel insurance review, we’ll walk you through the process of getting started. Firstly, you need to meet the eligibility requirements, which include the following:

  • Be a Canadian resident under the government health insurance program.
  • Must be one month old or older.
  • No metastatic cancer or terminal illness diagnosis.
  • No prior warning was given to travel by a doctor.
  • Haven’t been on oxygen for about a year.
  • No previous transplant of bone marrow, organs (except the cornea), or stem cells
  • There is no need for kidney dialysis.

Once you’ve checked the boxes above, proceed with the online registration process and follow the prompts till the end. You might need to pay an additional charge of up to $500, which is deductible from your insurance. This is to help smooth your trip until your insurance kicks in.

Alternatives to CoverMe Travel Insurance

In case this travel insurance doesn’t fit your needs, here are some alternatives to try out.

Securiglobe vs CoverMe

Securiglobe travel insurance is quite similar to Manulife CoverMe.They offer about $10 million in coverage. Also, they have three basic plans: all-inclusive, medical emergency, and travel insurance for visitors.

Pros of Securiglobe

  • Changing dates isn’t penalized.
  • Choose from a variety of insurance policies.
  • About $25 in deposit.
  • Full refund when cancellation is carried out before departure.

Cons of Securiglobe

  • The coverage might not be used throughout your trip.

BlueCross vs CoverMe

The BlueCross insurance platform offers up to $5 million as part of travel insurance coverage for medical emergencies. It would make an excellent alternative to Manulife CoverMe.

Pros of Blue Cross

  • Pre-existing conditions are covered.
  • There is a free provision for kids’ travel coverage.
  • Good customer service.
  • Reimbursement for trip cancellation.

Cons of Blue Cross

  • Unused covers are non-refundable.
  • Quarantine expenses are not covered.

CoverMe Travel Insurance review conclusion

This CoverMe travel insurance review has given you a view of the insurance company. There are a variety of plans to choose from.

 No matter the type of insurance policy you desire to purchase, the deciding factor is your age and medical history. It would be great to review the terms and conditions of each of these plans before buying.

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FAQs about our CoverMe travel insurance review

How can you file a claim on Manulife CoverMe?

To file a claim on CoverMe travel insurance, ensure you're eligible. Next, proceed with the online claim on their website and follow the prompts. You'd need to scan a photocopy of your documents.

Does Manulife CoverMe give a refund?

Yes. However, not all travel insurance policies on this platform offer refunds. Look closely at what the plan offers before buying it. Also, be prepared to provide a police report and other documents to make a claim.

What are the exclusions on CoverMe Travel Insurance?

The exclusions from travel insurance coverage are as follows: They are:

  • Known terminal illness before the journey.
  • Kids are delivered during trips.
  • Self-inflicted injuries are not covered.

Brand

CoverMe Travel Insurance

|
August 6, 2023
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