Multi-trip plans help protect an unlimited number of trips up to a specific number of days per trip – but what if you're planning a longer trip? Simply top up!

It doesn't matter if your multi-trip plan is with Manulife or with another insurer. Multi-Trip Top-up can cover emergency medical costs for the extra days you'll be away.

Simple, affordable protection for worldwide travel.

  • Up to $10 million in emergency medical benefits
  • Covers a wide range of expenses for health services, transportation and more

Quick quote & buy online

Apply before your multi-trip plan expires

  • Canadian residents of any age*
  • Covered by a Canadian provincial or territorial health insurance plan
  • No medical questions at time of application (under age 60)

You are not eligible for this coverage if you:

  • Are travelling against the advice of a physician
  • Have been diagnosed with a terminal illness or metastatic cancer
  • Have a kidney condition requiring dialysis
  • Have been prescribed or used home oxygen in the last 12 months
  • Have had a bone marrow, stem cell or organ transplant (excluding cornea)

* Dependent children must be at least 30 days old.

Check your plan’s rules

Confirm your policy allows a top-up without reducing your coverage.

Cover many emergency medical costs

  • Hospital and physician services
  • Paramedical services
  • Emergency dental treatment
  • Hospital allowance
  • Ambulance
  • Emergency medical return home
  • Visit to bedside if travelling alone
  • Return home of: children in care of insured, travel companion, pet, vehicle
  • Return to original trip destination
  • Return of excess baggage
  • Extra meal, hotel, child care and phone call costs
  • Expenses related to death
  • Trip break without terminating coverage
  • Terrorism coverage

What's excluded?

  • Any pre-existing medical conditions if not stable for three months (rate category A) or six months (rate category B and C) before the effective date of your insurance
  • Your heart condition if any heart condition was not stable or required any form of nitroglycerine for the relief of angina pain during the stability period for your rate category
  • Your lung condition if any lung condition was not stable or required treatment with oxygen or Prednisone during the stability period for your rate category

Pre-existing condition means a medical condition that existed before your effective date.

Medical condition means sickness, injury, disease or symptom; or complication of pregnancy within the first thirty-one (31) weeks of pregnancy.

Stable medical condition means that all of the following apply:

  • There have not been any new symptom(s); and
  • Existing symptom(s) have not become more frequent or severe; and
  • A physician has not determined that the medical condition has become worse; and
  • No test findings have shown that the medical condition may be getting worse; and
  • A physician has not provided, prescribed or recommended any new medication, or any change in medication; and
  • A physician has not provided, prescribed or recommended any investigative testing, new treatment or any change in treatment; and
  • There has been no admission to a hospital or referral to a specialty clinic or specialist; and
  • A physician has not advised referral to a specialist or further testing, and there has been no testing for which the results have not yet been received.

Change in medication means the medication dosage, frequency or type has been reduced, increased or stopped, and/or new medication(s) has (have) been prescribed. Exceptions: the routine adjustment of Coumadin, Warfarin or insulin (as long as they are not newly prescribed or stopped) and there has been no change in your medical condition; and a change from a brand name medication to a generic brand medication of the same dosage.

Conditions, limitations and exclusions apply. See policy for details.