Manulife Global Travel Insurance is a travel insurance company based in Canada. While traveling outside of their home province, the Trip Cancellation plan provides passengers with trip cancellation, trip interruption, trip delay, and a variety of other benefits. This plan’s misconnection benefit assists you in getting to your destination if a covered trip delay prevents you from making your connecting conveyance. When an unexpected event forces you to cancel your vacation, coverage reimburses you up to the insured amount for non-refundable trip costs. When your trip is interrupted after you leave home owing to a covered risk and you need to return home early, the benefits include covering for unused non-refundable, prepaid travel plans.
Due to a family sickness, a travel companion accident, a natural disaster, or a variety of other unexpected situations, your planned vacation may need to be canceled or interrupted. Fortunately, the Manulife Trip Cancellation plan covers a wide range of unexpected events. This plan, however, provides the ability to cancel for any reason*. Please read the policy for a complete list of events that are covered, as well as exclusions and limitations.
Can I cancel my travel insurance?
Yes, you certainly can. All travel insurance plans have a free review period, which is a set of days during which you can evaluate the policy, understand the coverages, and decide whether the plan is right for you. If you’ve already started your journey, you won’t be able to return your travel insurance coverage for a refund.
Travelers also have the option to terminate their plans during the evaluation period. The policy is regarded in effect after the free look time, and you will be subject to the travel insurance plan rules.
The majority of insurance companies charge a minor cancellation fee ($5-$8).
Why would a traveler cancel their policy?
Travelers usually cancel their travel insurance plans when they realize the plan will not satisfy their travel demands or when they read the policy certificate and realize they require a different type of travel insurance.
It’s crucial to remember that canceling your trip isn’t your only option; you can always make changes to the travel policy to make it better suit your needs. Travel insurance companies allow travelers to make changes to their plans up until the day before their intended departure, including raising or decreasing coverage amounts.
How do I cancel my travel insurance policy?
You’ll need to contact the travel insurance provider directly to cancel your policy within the free review time. Travel insurance companies may ask you to cancel your plan in writing in particular instances, so read the policy certificate carefully and learn how to cancel.
You should have gotten a copy of your travel insurance policy via e-mail (if you don’t see it right away, check your spam or trash folder), and that’s where you’ll find the information you need to cancel your policy, including the customer care number and your policy number.
Full refunds for standalone Trip Cancellation & Interruption Insurance is available if:
- All fines are waived if the common carrier or travel supplier cancels the entire trip; or
- If the policyholder’s trip dates are changed by a common carrier or travel supplier, you are unable to travel and all fines are waived.
Can I withdraw my Manulife?
You can make a withdrawal online or send us a letter request if your plan allows it. Check to see if there are any withdrawal costs.
We will sell your investments the next business day if you make an online withdrawal after 4 p.m. EST.
Call 1-888-727-7766 for assistance with withdrawals (weekdays from 8 a.m. to 8 p.m. ET).
Does Manulife cover Covid?
- Customer coverage will not alter if they acquired the Manulife COVID-19 Pandemic Travel Plan and are at a destination or have not yet left on their vacation. If you test positive for COVID-19 while traveling, this plan will continue to pay qualified medical expenses. It also includes Trip Interruption Insurance, which covers accommodation and meal expenditures as well as a return flight if a medical practitioner orders quarantine or self-isolation as a result of a positive COVID-19 test result or contact tracing.
- If a customer acquired a Manulife Travel Insurance Plan with emergency medical benefits between October 21, 2021 and December 16, 2021 (inclusive), their existing COVID-19 coverage will be in effect for the duration of their trip.
- If a customer buys a Manulife Travel Insurance Plan with emergency medical benefits and plans to travel on or after December 17, 2021, they must purchase the Manulife COVID-19 Pandemic Travel Plan to be covered for COVID-19 medical expenses and quarantine benefits. Customers will be able to make any necessary adjustments until December 21, 2021, even while in transit.
- Customers who are traveling on or after December 22, 2021, must acquire the Manulife COVID-19 Pandemic Travel Plan prior to departure to be insured for COVID-19 medical expenditures and quarantine benefits.
Please contact your travel supplier if you are within Canada and have a question about impending travel. All travelers should read our FAQ (choose the “travel” topic) and consult their travel supplier for applicable terms and conditions if they need to cancel or amend their itinerary.
For the most up-to-date information on the COVID-19 outbreak, see public safety recommendations, which include:
We will continue to keep an eye on the issue and offer updates as needed.
How long do I have to cancel a travel insurance policy?
If you have recently purchased an insurance coverage and have changed your mind, you may want to cancel it. You have a minimum 14-day cooling-off period in which you can cancel the policy for any reason, according to the legislation. If you’ve purchased life insurance, you have a 30-day cooling-off period.
The cooling-off period begins the first day of the policy or the day you get your policy documentation, whichever comes first. Any premiums you’ve already paid should be refunded to you. Your insurer, however, may deduct a small sum to cover days when the policy was in effect. You may be charged a modest administration fee as well.
You may be given a longer cooling-off period by some insurers. Check the conditions of your insurance policy if you’re not sure how long your cooling-off period is.
You should contact your insurer as soon as possible if you want to cancel your coverage during the cooling-off period.
Travel insurance that lasts less than one month is not covered by the right to cancel during the cooling-off period.
Can you cancel insurance after automatic renewal?
If you think you’ll be paying too much, make sure you cancel your auto-renewal before the policy starts you may use us to compare pricing.
If you’d rather keep your current insurance, contact them to see if you can get a better deal. Tell them you’re a long-time customer and see what they can do for you.
If you let your policy auto-renew, you can still cancel, but you’ll likely be charged for the time you’ve been covered by them as well as an administration fee – even if you’re still inside your cooling off period.
Comparing costs with us instead takes only a few minutes and might save you money.
Most importantly, be sure you have valid insurance in place at all times, with the appropriate amount of coverage.
What is covered in trip cancellation insurance?
A trip cancellation policy will compensate you for your prepaid, forfeited, and non-refundable charges if you are unable to take a trip due to an unanticipated circumstance. Your policy may assist cover expenditures up to the time and date of your departure, depending on the plan.
Trip cancellation insurance is frequently marketed as an add-on to a base travel insurance policy, although some travel insurance providers offer it as a separate policy. Additional coverage categories, such as cancel for any reason coverage, are available with some basic trip cancellation policies.