You may not have the coverage you need

Many travellers may be tempted to reply on their credit card coverage as their travel insurance.  The credit card travel coverage may be "free", but it may not have the coverage you need. 

Check out the following before a medical emergency strikes while you are out of town.

How long are you covered for?

It is important to check the length of stay covered by credit card coverage, as well as any restrictions based on age.

Are you covered for emergency medical care after you arrive at your destination?

You need to be certain that not only do you have emergency medical protection when travelling to and from the airport, while travelling on the plane or in the taxi, but also protection if you suffer an accident or become ill after arriving at the destination. Expenses may not be covered, for a simple trip acorss the border, hospital costs can approach thousands of dollars a day.

Are there any restrictions or exclusions based on your age and health?

Credit card coverage may not be available or have serious exclusions If you are 61 years of age or older with a chronic illness.

In case of a medical emergency, will you have to guarantee or pay on site the fees charged by the health care provider?

Unlike private coverage, credit card insurance may not have the Travel Insurance's Assistance Centre that will arrange a direct payment for you and coordinate the claim with your provincial or territorial government health insurance plan.

Manulife Financial offers the following travel insurance options: 

            Out of province/ out of country travel insurance for Canadians

            Visitors to Canada Travel insurance and Super Visa

            Student Travel Insurance

For plan details, rates and applications, please click here.



Insurance products and services are provided through Louis K. Ho by various insurance suppliers.


Critical Illness Insurance

 According to statistics*, illness such as Cancer, Heart Attacks and Strokes are occurring across all ages among Canadians, and the odds of surviving a critical illness are better than ever thanks to medical advances.  However, not only does the individual who is diagnosed with the illness have to cope with potentially dramatic changes to their lives, but there is also the realization that the mortgage still needs to be paid and the additional costs for specialized medical treatment etc.... could add up very quicklyl

Introducing Manulife Lifecheque Basic Critical illness Insurance as your solution.  This simple, accessible and affordable protection will provide you security of knowing that 30 days following a diagnosis of cancer, heart attack, stroke, coronary bypass or aortic surgery, you will qualify to receive a one-time lump sum tax free benefit for you to spend however you wish.  Applying for coverage is easy, no medical questionnaire is required, just simply a declaration of your good health.

Please call us for a descriptive brochure of this very important insurance or to set up a no cost and no obligation meeting to discuss further.

Manulife’s Lifecheque Basic Critical Illness Insurance includes 5 major illnesses including cancer, heart disease, stroke, aeortic surgery and coronary artery bypass surgery.  Coverage amount can be $25,000, $50,000 or $75,000 with Return of Premium option.

For plan details, rates and applications please click here.


Source: *Canadian Cancer Socie ty 2011, Canadian Heart and Stroke Foundation 2012, Public Health Agency of Canada June 2009



Insurance products and services are provided through Louis K. Ho by various insurance suppliers.