Protection for Western Canadian Travellers
Travel Insurance
Comprehensive coverage through Manulife Financial — available to residents of British Columbia, Alberta, Saskatchewan, and Manitoba.
Why It Matters
Your Provincial Health Plan Has Gaps
Many travellers assume their provincial health coverage follows them wherever they go. In reality, your government health plan typically covers only a small fraction of medical costs incurred outside Canada — and even within Canada, coverage can be limited when you're away from your home province.
A single emergency hospitalization abroad can cost tens of thousands of dollars out of pocket. Travel insurance bridges that gap, so an unexpected illness or injury doesn't turn into a financial crisis on top of a health one.
As your licensed travel consultant, Wendy can help you select the right level of protection for your specific trip, age, health situation, and budget — and explain exactly what is and isn't covered before you leave home.
Emergency medical care outside Canada
Provincial plans cover little to nothing
Emergency medical in another province
Coverage varies and is often limited
Trip cancellation due to illness or emergency
Not covered by any government plan
Lost or delayed baggage
No government protection
Flight accident benefits
Not included in provincial coverage
What your provincial health plan typically does NOT cover while travelling.
Single Trip Plans
Taking One Trip This Year?
Single trip plans are designed for travellers heading out once. Choose the level of coverage that matches your destination and what's at stake financially.
Emergency Medical
Core protection for unexpected medical emergencies while travelling outside your home province or Canada. Covers up to $10 million in eligible emergency medical expenses.
- Emergency medical coverage
- Trip cancellation & interruption
- Baggage loss, damage & delay
- Flight & travel accident
- Family coverage available (under 60)
- Travel companion savings
Travelling entirely within Canada? Premiums are approximately half the cost of an equivalent international plan.
All Inclusive
The most comprehensive single trip option — combines emergency medical protection with trip cancellation, baggage, and accident coverage in one convenient plan.
- Emergency medical coverage
- Trip cancellation & interruption
- Baggage loss, damage & delay
- Flight & travel accident
- Family coverage available (under 60)
- Travel companion savings
Ideal if you've pre-paid for flights, hotels, or tours and want full protection for your entire investment.
Travel Canada Emergency Medical
Heading somewhere else in Canada? Your home province's health plan may not fully cover you in another province. This plan fills that gap at a significantly reduced premium.
- Emergency medical coverage
- Trip cancellation & interruption
- Baggage loss, damage & delay
- Flight & travel accident
- Family coverage available (under 60)
- Travel companion savings
Priced at 50% of the standard single trip emergency medical rate — excellent value for cross-Canada travel.
Trip Cancellation & Interruption
Already have emergency medical coverage elsewhere? This standalone plan protects the financial investment you've made in your trip if you need to cancel before departure or cut it short.
- Emergency medical coverage
- Trip cancellation & interruption
- Baggage loss, damage & delay
- Flight & travel accident
- Family coverage available (under 60)
- Travel companion savings
A smart add-on if your employer or credit card already provides emergency medical coverage but not trip cancellation.
Emergency Medical Top-Up
If your trip extends beyond the number of days covered under a multi-trip plan — whether through Manulife or another provider — this plan bridges the gap for the extra days.
- Emergency medical coverage
- Trip cancellation & interruption
- Baggage loss, damage & delay
- Flight & travel accident
- Compatible with other providers
- Travel companion savings
Be mindful of your province's residency requirements when extending trips — Wendy can help you navigate this.
COVID-19 Pandemic Travel Plan
Travelling outside Canada and want specific COVID-19 protection? This plan covers emergency medical expenses including COVID-19-related costs, plus trip interruption benefits.
- Emergency medical (non-COVID)
- COVID-19 emergency medical
- Trip interruption
- Trip cancellation
- Baggage loss, damage & delay
- Flight & travel accident
Fully vaccinated travellers (Health Canada-authorized vaccines) may be eligible for enhanced $5M COVID-19 coverage.
Multi-Trip Plans
Travelling More Than Once This Year?
A multi-trip plan lets you pay one annual premium and travel as many times as you like over 12 months. Choose a per-trip duration of 4, 10, 18, 30, or 60 days — and simply top up for any trip that runs longer.
Multi-Trip Emergency Medical
One annual premium covers unlimited trips throughout the year, each up to your chosen per-trip duration. The most cost-effective way to stay protected if you travel regularly.
- Emergency medical coverage
- Trip cancellation & interruption
- Baggage loss, damage & delay
- Flight & travel accident
- Unlimited trips per year
- Top-up available for longer trips
Choose from 4, 10, 18, 30, or 60-day per-trip coverage. Add a top-up for any trip that exceeds your chosen duration.
Multi-Trip All Inclusive
All the benefits of the multi-trip emergency medical plan, plus trip cancellation, baggage, and accident protection — for travellers who want complete peace of mind year-round.
- Emergency medical coverage
- Trip cancellation & interruption
- Baggage loss, damage & delay
- Flight & travel accident
- Unlimited trips per year
- Top-up available for longer trips
Available in 4, 10, 18, or 30-day per-trip options. Ideal for frequent travellers who want comprehensive annual coverage.
At a Glance
Plan Comparison
| Plan | Emergency Medical | Trip Cancel / Interrupt | Baggage | Flight Accident |
|---|---|---|---|---|
| Emergency Medical (Single) | — | — | — | |
| All Inclusive (Single) | ||||
| Travel Canada Emergency Medical | — | — | — | |
| Trip Cancellation & Interruption | — | — | — | |
| COVID-19 Pandemic Travel Plan | — | — | — | |
| Multi-Trip Emergency Medical | — | — | — | |
| Multi-Trip All Inclusive |
All plans are underwritten by The Manufacturers Life Insurance Company (Manulife). Minimum eligible age is 30 days old. No upper age limit. Family coverage and travel companion savings cannot be combined. Family coverage available for travellers under age 60.
The Wendy Advantage
Why Get Your Insurance Through Wendy?
Expert Guidance
With over 36 years of travel industry experience, Wendy understands which plan genuinely fits your situation — not just the one that's easiest to sell.
Pre-Existing Condition Advice
Navigating pre-existing condition clauses can be confusing. Wendy will walk you through the stability requirements and help you understand your coverage honestly.
Bundled with Your Trip
When Wendy books your flights, hotels, or cruise, she can arrange your travel insurance at the same time — one conversation, everything covered.
Western Canada Specialist
Wendy is licensed and based in Alberta, serving residents of BC, AB, SK, and MB. She understands the specific coverage gaps that Western Canadians face.
No Online Forms
Skip the confusing online quote engines. A quick call or email with Wendy gets you a clear, accurate quote with no surprises.
Claims Support
If something goes wrong on your trip, Wendy is a familiar voice you can call. She'll help you understand the claims process and who to contact.
Get a Personalized Quote
Wendy will match you with the right plan for your trip, age, and budget — no online forms, just expert advice.
Important: Travel insurance is underwritten by The Manufacturers Life Insurance Company (Manulife) and First North American Insurance Company, a Manulife subsidiary. Coverage is subject to the terms, conditions, limitations, and exclusions of the applicable policy. This page provides a general overview only and does not constitute the insurance contract. Please review your policy certificate carefully. Available to residents of British Columbia, Alberta, Saskatchewan, and Manitoba. Wendy Orr is a licensed travel consultant operating through Uniglobe Carefree Travel.