Manulife Financial
Manulife CoverMe Student Travel Insurance
CAD 2 million coverage from one of Canada's largest insurers — strong dental and tuition refund benefits
✓ Visa Compliant
under 45 years old Age Limit
Last updated: April 27, 2026
What's Covered
Benefits and coverage details.
Included
Up to CAD $5,000 tuition reimbursement if you cannot attend school due to a covered medical event
Annual physical and eye exam included — preventive care that GuardMe charges extra for
21-day trip break benefit lets you visit home without losing coverage
CAD $0 deductible on every plan
Backed by Manulife — Canada's largest insurer with 24/7 emergency assistance
Not Covered
Age limit of 45 — older students must look elsewhere
Pre-existing conditions strictly excluded if not stable in the 3 months before coverage starts
Pricing only available via online quote — no published rate card
Smaller dental injury limit (CAD 2,500) than competitors like TuGo (CAD 6,000)
Less integrated with universities than GuardMe — usually a private purchase rather than school-bundled
FAQ
Frequently Asked Questions about Manulife CoverMe Student Travel Insurance
Manulife uses age-based quote pricing rather than a flat daily rate. For a 24-year-old buying a 12-month policy in Ontario, expect roughly CAD $70-80 per month (CAD $850-950 per year). The exact premium depends on age, coverage period, and family members added. Get an instant quote at coverme.com.
Yes. The plan provides up to CAD 2 million in medical coverage, which exceeds the typical institution requirement of CAD 1 million. Most Canadian universities outside Ontario accept Manulife CoverMe as proof of insurance. Ontario universities require UHIP or a school-approved equivalent — confirm with your institution before purchasing.
If a covered medical event forces you to interrupt or cancel your studies, Manulife reimburses up to CAD $5,000 of non-refundable tuition. This is a unique benefit among Canadian student plans — GuardMe and TuGo do not offer it.
Only if they were stable for 3 months before the policy start date. Stable means no new medication, no symptom changes, no new tests, no specialist referrals, and no hospital admissions. If your condition does not meet all stability criteria, related claims will be denied.
Yes. Coverage is extendable up to a maximum of 365 days. You can also pause coverage for up to 21 days during a home visit (trip break benefit) without ending the policy.
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