We strongly recommend that you take out travel insurance to protect you against the unexpected due to, in particular, limited provincial health care coverage afforded to Canadians while traveling overseas and the cancellation provisions inherent in your booking. We offer the following insurance coverage options through Manulife Insurance, one of Canada’s leading insurance providers –
NON-MEDICAL INCLUSIVE PLAN
There are significant inherent cancellation penalties associated with your booking as detailed in our booking terms and conditions and this insurance package provides coverage for all monies paid for your trip if you should have to cancel due to medical, or other listed, reasons either relating to yourself or a member of your immediate family. It also covers you for trip interruption costs short notice return flight home etc) for medical reasons again, either relating to yourself or an immediate family member as well as flight and travel accident and baggage insurance.
ALL INCLUSIVE PLAN
This plan provides coverage for all the components in the Non-medical Inclusive plan, plus health coverage while in the destination.
"Cancel for any reason (CFAR)" coverage - NEW and at no additional cost !!
So long as you purchase either of the two insurance policies above at the same time as your tour booking, you are automatically entitled to this added benefit of CFAR coverage whereby, if you need to cancel your tour booking up to 14 days or more before departure for any reason, your policy will refund you up to a maximum of 50% of the cancellation penalties incurred. This is excellent peace of mind coverage to protect you against (50% of the) cancellation penalties incurred in a situation where the reason for cancellation is not one of the regular covered risks in your policy (ie it is essentially "change of mind" insurance).
PREMIUM PROTECTION PLAN (“PPP”)
As a third option, Manulife is now also offering a new enhanced travel insurance policy, their Premium Protection Plan (“PPP”). This is Manulife’s most comprehensive coverage, providing all the same types of coverage as the All-Inclusive plan (above) but with higher covered amounts in most areas. It is also a simplified policy in so much that, whereas the All-Inclusive plan and Non-medical Inclusive plan (above, and as is the case with most insurance company travel policies) have a list of specific covered events, the PPP offers cancellation coverage for any unexpected and unforeseen event (ie., any event, situation or circumstance that is beyond your control that prevents you from travelling) with only a few exclusions that apply.
An overview of the PPP may be found by clicking here
A comparison of the enhanced benefits provided by the PPP compared to Manulife’s regular All Inclusive plan may be found by clicking here
And, in these uncertain times, a major benefit of the PPP is that coverage for reimbursement of inherent cancellation penalties under the Cancel For Any Reason (CFAR)" coverage is increased to 80% of the cancellation penalties incurred for all cancellation up to 7 days or more before departure.
Please note, the PPP is only available to clients under the age of 75 (at the date of purchase of the insurance coverage) and must be purchased at the same time as the travel tour booking is made (72 hour grace period).
A detailed overview of coverage benefits and limitations of each insurance policy that we offer through Manulife may be found at -