Ongoing jet fuel shortages worldwide are disrupting air travel. Effective May 5, 2026, Manulife considers the current situation a ‘known event’ with respect to Manulife Trip Cancellation and Interruption Insurance coverage.

Any coverage available under Manulife travel policies is subject to coordination of benefits and is secondary to other sources of compensation, including remedies offered by the travel supplier or applicable credit card refunds.

• If a travel supplier cancels or modifies flights due to fuel shortages, the travel supplier is responsible for offering refunds, rebooking options, or travel credits. Because airlines are obligated to address these changes directly, such cancellations are generally not covered under Manulife Travel Insurance. However, depending on the insured’s specific circumstances and policy terms, certain benefits, such as misconnection or travel disruption benefits, may still apply.

• Policy purchased before May 5, 2026: misconnection or disruption benefits may apply (see policy for complete details).
• Policy purchased on or after May 5, 2026: benefits related to this current situation would not apply, as it is now considered a known event.

• Policy purchased before May 5, 2026: if the current situation causes a delay or disruption to an insured’s return home, the insured may be covered under their policy’s misconnection or disruption benefits.
• Policy purchased on or after May 5, 2026: benefits would not apply due to the current situation being a known event.

The Premium Protection Plans and Concierge Club Plans (Transat) are designed to help cover any event that is unforeseen at the time the policy was purchased. Coverage is available subject to the policy terms and conditions.

See policy for full conditions, limitations, and exclusions

As the situation in the Middle East continues to evolve, we would like to update our customers and partners of key dates and events that impact travel insurance coverage underwritten by The Manufacturers Life Insurance Company (Manulife) and First North American Insurance Company (FNAIC), a wholly owned subsidiary of Manulife.

Known event¹ designation: As of February 28, 2026, Manulife considers the current situation in the Middle East a ‘known event’ with respect to Manulife Trip Cancellation and Interruption Insurance coverage.

Government of Canada travel advisories were issued February 28, 2026: Travel advisories to “Avoid nonessential travel” or “Avoid all travel” were issued for Bahrain, Jordan, Kuwait, Oman, Qatar, Saudi Arabia, United Arab Emirates.

• Trip Cancellation Insurance: Customers may cancel their trip due to the updated travel advisory.

• Trip Cancellation Insurance: No benefits for reasons related to the travel advisory.

• Emergency Medical Insurance: Benefits apply for the full duration of the trip.
• Trip Interruption Insurance: Benefits apply if the interruption is related to the travel advisory.
• The Act of War² exclusion will be waived for Emergency Medical Insurance and Trip Cancellation and Interruption Insurance.

• Emergency Medical Insurance: No benefits for reasons related to the travel advisory.
• Trip Interruption Insurance: Benefits apply only if the interruption is unrelated to the travel advisory.

Government of Canada travel advisories to “Avoid non-essential travel” or “Avoid all travel” that were in effect prior to February 28, 2026 for Lebanon, Iran, Israel and Palestine, Iraq, Syria, Yemen.

•  Emergency Medical Insurance: No benefits for reasons related to the travel advisory.
• Trip Cancellation Insurance: No benefits for reasons related to the travel advisory.
• Trip Interruption Insurance: Benefits apply only if the interruption is unrelated to the travel advisory.

• If you’re currently in the Middle East, benefits won’t apply if you’re participating in and/or voluntarily exposing yourself to acts of war or acts of terrorism.
• If your travel plans have been impacted by cancellations, please contact your airline first before reaching out to Manulife. Most airline providers are offering refunds, credits, and other options.

Please refer to your policy for contact information for emergency assistance and claims inquiries.

Information in this document is subject to change as we continue to monitor the situation. For the latest travel advisories visit the Government of Canada’s Travel Advice and Advisories: www.Travel.gc.ca.

The current situation in Cuba is impacting travel to Cuba.  As of February 10, 2026, Manulife considers the current situation in Cuba a ‘known event’ with respect to Manulife Trip Cancellation and Interruption Insurance coverage.

Coverage under the policy is secondary to any other source of compensation, such as offers from the travel supplier, credit card refund, etc. 

• If a travel supplier cancels or modifies a trip to Cuba due to fuel shortages, power outages, or service disruptions, the travel supplier is responsible for offering refunds, rebooking options, or travel credits. This is not a covered event under Manulife Travel Insurance policies; however, depending on an insured’s circumstance, there may be coverage under their policy’s misconnection or disruption benefits.

• If the policy was purchased prior to February 10, 2026, Misconnection or disruption benefits may apply (see policy for complete details).
• If the policy was purchased on or after February 10, 2026, benefits related to this current situation in Cuba would not apply, as it is now considered a known event.

• If these conditions cause a delay or disruption to an insured’s return home, the insured may be covered under their policy’s misconnection or disruption benefits, provided that the insurance policy was purchased before February 10, 2026.
• If the policy was purchased on or after February 10, 2026, benefits would not apply due to the current situation in Cuba being a known event.

The Premium Protection Plans and Concierge Club Plans (Transat) are designed to help cover any event that is unforeseen at the time the policy was purchased. Coverage is available subject to the policy terms and conditions.

See policy for full conditions, limitations, and exclusions.

¹ A known event is an incident or circumstance that has already occurred or is reasonably expected to occur before an insurance policy is purchased or coverage begins. Because it is not unforeseen, this incident or circumstance is generally excluded from coverage.

² Hostile or warlike action, whether declared or not, in a time of peace or war, whether initiated by a local government, foreign government or foreign group, civil unrest, insurrection, rebellion, or civil war.

Benefits explained in this notice is for Individually purchased Travel Insurance product. The information provided in this notice does not apply to Credit card benefits, Group Benefits, Group Travel Plans.