Emergency Medical Travel Insurance Top-Up

Multi-trip plans and credit cards with emergency medical coverage help protect a specific number of days per trip – but what if you’re planning a longer trip? Simply top up!

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It doesn’t matter if your existing plan is with Manulife or with another insurer. The CoverMe Emergency Medical Top-up can cover emergency medical costs for the extra days you’ll be away.

See the policy for detailed information on benefits, limitations and exclusions.

Key benefits

  • Up to $10 million in emergency medical benefits
  • Coverage outside of Canada and within Canada
  • Save 50% on your premium costs when your travel is entirely within Canada only


  • Canadian resident
  • Covered by a Canadian provincial or territorial health insurance plan
  • No medical questions at time of application (under age 60)
  • Click "View More" to see what conditions make you ineligible for coverage.

Things to consider

  • Confirm your policy allows a top-up without reducing your coverage
  • Top up before you leave on your trip and your other coverage expires
  • You may also top up during your trip by calling us at 1-877-268-3763


Health Services

  • Hospital and physician services


  • Emergency medical return home

Additional protection

  • Extra meal, hotel, child care and phone call costs


  • Waived pre-existing medical condition exclusion when travelling in Canada 
  • Exclusions for pre-existing medical conditions vary by age and rate category. Click "View More" for more details.


Government health travel advisory (GHTAC) rider 

Our government health travel advisory rider gives you emergency medical insurance when the Government of Canada issues an “Avoid non-essential travel” advisory before your departure date to the country or region you are visiting because of a specific virus or disease.

Carry your policy everywhere you travel

Keep your policy and wallet card safe, and take them with you everywhere you go on your trip. Your wallet card has contact information for our Assistance Centre, available 24/7, if you need to access your benefits while you're away. In addition, get the TravelAid mobile app, which can provide directions to the nearest medical facility and local emergency telephone numbers.

You must contact the Assistance Centre before you receive any treatment while on your trip. If you don't, you will have to pay 25% of the medical expenses that would normally be covered under this policy, and some benefits may be limited or not covered.

Does this policy seem like a good match for your needs?

Want to compare our travel plans?

Review our travel options side-by-side.

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Top 5 questions about travel insurance

When you travel outside your home province or territory, even if you're still in Canada, there are limits on how much your government health insurance plan will pay. Costs that may not be covered include air and ground ambulance, emergency dental treatment and prescription drug expenses. Travel insurance can help with these costs, so it makes sense to have it whether you're visiting another part of Canada or another part of the world.

We can top up travel insurance offered by another insurer, adding extra days to your current coverage. You are responsible for ensuring that your current coverage is in force and allows top-ups. Your top-up coverage is subject to CoverMe® Travel Insurance's terms and conditions.

For single-trip plans, you can add extra days of coverage while you're travelling provided that there has been:

  • No event that has resulted or may result in a claim against the policy, and
  • No change in your health status

You must call 1-800-268-3763 before your coverage expires and pay the appropriate premium.

For multi-trip plans, it's best to add extra days of coverage before you leave home. Simply get a top-up up to the maximum allowed by your government health insurance plan. If you need to add extra days of coverage while you're travelling, call 1-800-268-3763 and we will do our best to help you.

Emergency medical insurance plans may be purchased 180 days prior to your departure date. Plans containing any other type of insurance may be purchased up to 3 years prior to departure.

All our travel insurance plans for travelling Canadians start with a $0 deductible. You can save money with a higher deductible on our Single-Trip Emergency Medical Plan and Multi-Trip Emergency Medical Plan (these deductibles apply only to emergency medical coverage. COVID-19 Pandemic Travel plan not included):

  • $500 deductible – save 10%
  • $1,000 deductible – save 15%
  • $5,000 deductible – save 30%
  • $10,000 deductible – save 35%
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