Multi-Trip All-Inclusive Plan

When you're ready to travel, just pack your bags and go. With the CoverMe® Multi-Trip All-Inclusive Plan, there's one less thing to add to your pre-trip to-do list because you already have travel insurance. Your policy protects a year full of trips with up to $10 million in emergency medical benefits and much more.

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Protect yourself in case you need to cancel or interrupt your trip because of a medical emergency, missed connection or jury duty. Claim expenses for clothing and toiletries if your luggage is delayed or lost. And get coverage for a flight or travel accident that results in death or dismemberment.

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

Key benefits

  • Up to $10 million in emergency medical benefits
  • Up to $1,500 or $2,500 per trip for trip cancellation, to a maximum of $10,000 per year
  • Unlimited coverage for trip interruption, subject to the overall policy maximum
  • Up to $1,500 for baggage loss or damage, or up to $500 for baggage delay
  • Up to $100,000 for flight accident and up to $50,000 for travel accident insurance
  • Save 5% for travel companion 
  • Trip duration options of 4, 10, 18 and 30 days


  • Canadian resident
  • Covered by a Canadian provincial or territorial health insurance plan
  • Age 84 or younger
  • No medical questions (under age 60)
  • Click "View More" to see what conditions make you ineligible for coverage.


Health services

  • Hospital and physician services


  • Emergency medical return home

Additional protection

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


  • Exclusions for pre-existing medical conditions vary by age and rate category. Click "View More" for more details.

Additional coverage

Trip cancellation/interruption*

  • Up to $1,500 or $2,500 per trip for trip cancellation, to a maximum of $10,000 per year
  • Unlimited coverage for trip interruption

Baggage loss, damage and delay*

Flight and travel accident*

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?

These plans may also work well for you

Multi-Trip Emergency Medical Plan

Get only emergency medical benefits, without  trip cancellation, interruption, baggage and travel accident insurance.

Single-Trip All-Inclusive Plan

Get the same emergency medical and other benefits for one trip instead of annual coverage for many trips.

Trip Cancellation and Trip Interruption Plan

Add protection in case you have to cancel or interrupt your trip for medical or other reasons.

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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.

Manulife CoverMe’s All-Inclusive Plan (Single-Trip or Multi-Trip), Non-Medical Inclusive Plan, Youth All-Inclusive Plan, and Youth Deluxe Plan contains Baggage Loss, Damage & Delay insurance. There are benefits available in the event of baggage theft or lost/stolen travel documentation (passport, driver’s license, visa). It is important in these instances to be prudent and report any losses to the authorities so full documentation of the situation is recorded. Conditions, limitations, exclusions apply, please see the policy for full details.

Any plan containing Trip Cancellation and Interruption insurance contains benefits for misconnection and travel disruptions resulting from common carrier schedule changes.

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