Manulife Insurance

Manulife Global Travel Insurance

When you book a tour through Target Tours you may have noticed that we will always ask if you require travel insurance for your trip. Sadly, it’s a reality of the business that on occasion clients have had to cancel their trips before or during their travels due to unexpected events.

As our policy states, all tours are fully non-refundable after final payment date. This can leave clients who do not elect to purchase Travel Insurance unprotected and we are unable to reimburse them.

In order to avoid this situation we a variety of Manulife products. They range in price and are dependent on age, length of tour, and price of tour so they can only be quoted on a case by case basis. Limitations also apply to pre-existing medical conditions. Please contact us with these details and we will be happy to quote.

REMEMBER! Travel insurance is for the unexpected, NOT the expected. If you are aware of a medical condition or situation that may require you to cancel prior to your trip or during  your trip your insurance plan will likely not cover it. If you have questions about this please contact us as we may have alternative plans that can assist.

The following are only some of the coverage’s offered by each plan:

– Only available to people 74 years or younger (as of June 19, 2019) when buying the plan (75 and older will be advised to consider the “All Inclusive” plan as an alternative to this plan)

– Only available within 72 hours of paying the initial deposit on the tour it is covering

– Only available for Prince Edward Island, New Brunswick, and Nova Scotia clients. Clients from other provinces should contact us for options to apply for this plan.

– Trip Cancellation & Interruption Coverage (See LINK for details)

– Global Medical Coverage (See LINK w for details)

– No 3-month medical stability exclusion (exclusive to this plan)

– Baggage Loss, Damage – Up to $750 per item to a maximum of $1,500 for lost, stolen or damaged personal effects

– Baggage Delay – Up to $750 to buy necessary clothes and toiletries in the case of baggage delay

– No medical questionnaire required

– Only available through travel professionals like Target Tours

– Cancel for Any Reason Benefit – If you simply change your mind and no longer wish to travel you will still quality for some coverage. Cancel 7 days or more before the departure date and you will receive up to 80% of the covered amount for the prepaid portion of your trip that is non-refundable. Cancel 6 days up to 24 hours before the departure date and you will receive up to 80%  of the covered amount of your prepaid portion of your trip that is non-refundable up to a maximum of $2500.  (Exclusive to this plan)

To learn more about this policy or to purchase, click HERE.

– Trip Cancellation & Interruption Coverage (See below for details)

– Global Medical Coverage (See below for details)

– Baggage Loss, Damage – Up to $300 per item to a maximum of $2000 for lost, stolen or damaged personal effects

– Baggage Delay – Up to $500 to buy necessary clothes and toiletries in the case of baggage delay upwards of 10 hours

– Missed Connection – Up to $2,000 for same class transportation to catch up with the trip if your client’s flight schedule changes, causing a misconnection, and up to $350 per day for up to 2 days for hotel and meal expenses

– Delayed Return – Up to $350 per day (to maximum of $3,500) for hotel and meal expenses if a covered risk prevents a scheduled return

– No medical questionnaire required

– Pre-existing condition exclusions and stability requirements apply to emergency medical and trip cancellation/trip interruption coverage

– Eligibility requirements must be met

– If you cancel your trip 14 days or more before the departure date shown on your confirmation, we will pay up to 50% of the covered amount you purchased for the prepaid portion of your trip that is non-refundable

To learn more about this policy or to purchase, click HERE.

– Trip Cancellation & Interruption Coverage (See below for details)

– Global Medical Coverage (See below for details)

– Baggage Loss, Damage – Up to $300 per item to a maximum of $2000 for lost, stolen or damaged personal effects

– Baggage Delay – Up to $500 to buy necessary clothes and toiletries in the case of baggage delay upwards of 10 hours

– Missed Connection – Up to $2,000 for same class transportation to catch up with the trip if your client’s flight schedule changes, causing a misconnection, and up to $350 per day for up to 2 days for hotel and meal expenses

– Delayed Return – Up to $350 per day (to maximum of $3,500) for hotel and meal expenses if a covered risk prevents a scheduled return

– No medical questionnaire required

– Pre-existing condition exclusions and stability requirements apply to trip cancellation/trip interruption coverage

– Eligibility requirements must be met

To learn more about this policy or to purchase, click HERE.

– Trip Cancellation & Interruption Coverage (See below for details)

– Baggage Loss, Damage – Up to $300 per item to a maximum of $2000 for lost, stolen or damaged personal effects

– Baggage Delay – Up to $500 to buy necessary clothing and toiletries in the case of baggage delay upwards of 10 hours

– Missed Connection – Up to $2,000 for same class transportation to catch up with the trip if your client’s flight schedule changes, causing a misconnection, and up to $350 per day for up to 2 days for hotel and meal expenses

– Delayed Return – Up to $350 per day (to maximum of $3,500) for hotel and meal expenses if a covered risk prevents a scheduled return

– Pre-existing condition exclusions and stability requirements apply to trip cancellation/trip interruption coverage

– Eligibility requirements must be met

– If you cancel your trip 14 days or more before the departure date shown on your confirmation, Manulife will pay up to 50% of the covered amount for the prepaid portion of your trip that is non-refundable and non-transferable to another date.

To learn more about this policy or to purchase, click HERE.

Included in all Premium Protection, All Inclusive & Non-Medical Packages only:

– If you simply change your mind and no longer wish to travel you will still qualify for some coverage.

– You MUST purchase your policy within 72 hours of your initial trip booking to be eligible for this.

The following can be purchased individually but are also included in the above policies:

– Covered medical provider expenses including those of a hospital, physicians and nurses up to $5,000,000.

– Toll-free assistance centre to provide assistance and managed care

– Have covered medical bills pre-paid where available

– Arrangement of air ambulance services when necessary and arranged by the Assistance Centre

– If above the age of 60 must complete a medical questionnaire

– Reimbursement of non-refundable pre-paid trip costs, up to the Sum Insured, when an unexpected medical emergency strikes you, your travelling companion or immediate family members, causing the cancellation or interruption of the trip

– Travel advisories issued that affect your insured trip

– Weather delays

– Missed connection expenses due to a covered risk

– Emergency return flight home

– Trip delay expenses due to a covered risk

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