Imagine your mental travel checklist: Tickets? Check. Bags packed? Check.
Travel insurance? No problem, it’s covered by my credit card. But
is it? Seeing the world beyond your doorstep costs money, so your clients may
be tempted to rely on their credit card coverage as their travel insurance. The
insurance may be “free,” but will it provide all the coverage they may require?
Manulife Financial Travel Insurance offers many travel insurance
options and there’s plenty of flexibility between options. Ask your clients
about their credit card coverage to help determine if they have adequate
coverage should a medical emergency occur while they are away.
How long are you covered for?
Travel insurance cannot be purchased once your client has left
their home province. It is important to check the length of stay covered by
credit card travel insurance, as well as any applicable restrictions. Manulife
Financial Travel Insurance can be used instead of, or to top up, credit card
Are you covered for emergency medical care
after you arrive at your destination?
Your client needs to be aware that not only do they have
emergency medical protection when travelling to and from the airport, while
travelling on the plane or in the taxi, but also protection if they suffer an
accident or become ill after arriving at their destination. And if there is one
reason to buy travel insurance, this is it: A simple trip across the border can
result in thousands of dollars per day in hospital costs, as expenses may not be
If your client is unsure, taking the time to check and knowing
how much coverage they have before leaving is infinitely better than being
underinsured or completely uninsured when a medical emergency happens.
Are there any restrictions or exclusions
based on your age and health?
Up to the age of 59, when you apply for Manulife Financial
Travel Insurance there are no restrictions based on age and no medical
questionnaire is required. For individuals over 60, a medical questionnaire is
In case of a medical emergency, will you
have to pay your medical expenses out of pocket?
When possible, Manulife Financial Travel Insurance’s Assistance
Centre will arrange to make direct payments to the medical facility on behalf
of your client. We also coordinate the claim with your client’s existing health
plans or provincial government health care plan.
What if you can’t go on your trip for some
unforeseen reason? Does it include cancellation insurance before departure as
well as interruption insurance during the trip?
Your clients should check their credit card travel insurance to
confirm if it includes trip interruption insurance and/or cancellation
insurance. They should also check whether the coverage maximums are sufficient
to protect their investment. In the event that your client has to return home
due to a death in the immediate family, interruption insurance can help pay for
the costs associated with the return to their home province and can defray the
cost of unused travel arrangements.
Does the insurance coverage include baggage
loss, theft or damage?
While not always available with credit card travel insurance,
Manulife Financial Travel Insurance offers all-inclusive plans that provide
coverage for baggage loss, damage and delay.
Are the people travelling with you also
Some credit card travel insurance does not provide coverage for
large families. Manulife Financial Travel Insurance offers family coverage on
Emergency Medical and Travel Canada Plans.
Can you receive assistance wherever you are
in the world, 24 hours a day, 7 days a week?
Verify that the credit card travel insurance provides a
toll-free phone number should a medical emergency occur. With Manulife
Financial Travel Insurance, toll-free travel assistance as well as a TravelAid
mobile app are available to all policyholders.