Manulife Financial
Manulife CoverMe Student Travel Insurance
CAD 2 million coverage from one of Canada's largest insurers — tuition reimbursement up to CAD 5,000 plus an annual medical and eye exam
At a glance Manulife Financial
Age Limitunder 45 years old
Visa Compliant Yes
Last updatedOctober 1, 2026
01Coverage
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 medical exam (up to CAD 100) and one eye exam per year included as wellness benefits
21-day trip break benefit lets you visit home without losing coverage
CAD $0 deductible on every plan
Backed by Manulife — one of Canada's largest insurers — 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
Pregnancy, childbirth and their complications are excluded
02FAQ
Frequently Asked Questions about Manulife CoverMe Student Travel Insurance
Manulife does not publish a rate card for this plan — the price is shown in the online quote at coverme.com. The premium is charged for each day of coverage (up to 365 days), and family coverage for the student, spouse and dependent children (all under 45) costs twice the single rate.
The plan provides up to CAD 2 million in medical coverage. Whether it is enough depends on your province and school: many schools have their own mandatory plan, so check whether your school accepts a private plan before you buy. Ontario universities require UHIP or a school-approved equivalent.
If a covered medical event forces you to interrupt or cancel your studies, Manulife reimburses up to CAD $5,000 of non-refundable tuition. Of the three Canadian plans compared here, only Manulife lists this benefit — GuardMe Canada and TuGo do not.
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.
Ready to Get Insured?
Check the latest terms and prices for Manulife CoverMe Student Travel Insurance on the provider's official website.