Manulife Travel Insurance Reviews

I was shopping around for travel Insurance, Costco offers a discount to card holders via manulife. $85 for a single trip 5million coverage.

I could not get much information regarding the details of the coverage. When I called the first person was friendly but didn't offer much help and offered to send me the policy which I already had.

I called back and got another rep, she was BEYOND rude and annoyed. She kept saying "I dont know what else to tell you, the first person already sent you the policy". She was becoming increasingly annoyed and hostile, raised her voice and started talking over me. So aggressive! Exactly 8pm, she hung up on me.

Their website is slick, easy to buy policies, the fine print is difficult to find. Finally got access to the official Policy document AFTER purchasing coverage online. Had questions because the policy wording contradictory. A representative couldn’t answer my questions on phone and told me she would find answers and email me. Received an email with the policy doc attached (which I already had, that’s why I was calling in the first place!} but no answers or clarification. Phone lines are too busy to talk to someone else. I then called the claims department directly to ask them point-blank if I would be covered if I cancel my trip if a new travel advisory issued by the Government of Canada in future. Was told verbally “yes”, I would be covered, because I purchased the policy in November when a travel advisory was no longer in effect, and also before my travel date in January 2022, and wording in the policy states that this event would be covered if it happened in that order. After Dec 15 a travel advisory was re-issued by govt. Made numerous attempts to contact the travel supplier, finally got through on Dec 24. Cancelled my trip, then submitted 2 claims online with all supporting docs for the cost of non-refundable portion of the trip. Waited 2 months to get a decision, emails and phone calls to them did not get a reply. Claim denied, using a reason that Covid-19 was a well-known event and a travel advisory was in effect since March 2020. This was incorrect. The travel advisory was lifted/removed by the Canadian government in October 2021, after which I booked the trip and bought the policy. Govt then reissued the travel advisory on Dec 15 after I booked the trip and bought the policy. There is very specific wording in the policy of when they will pay claims for this situation, and I met all the stipulations with dates, travel advisories, etc. An identical claim for a family member was also denied for the same reason. I did everything a cautious consumer should do prior to purchasing this policy and making a travel booking, and still, they ignore wording in their policy (contract) and invent reasons why they deny my claim. Their focus is on selling, the workflow on their website is deceptive, giving you the impression you will be covered, even after I read the actual policy and had questions, they could not or would not answer them. They don’t expect consumers to read the policy. They can’t answer questions about the policies they are selling. I have 5 different phone # for ManuLife Travel Insurance. Four different companies involved in this insurance for selling, assistance, claims, etc... Very complicated to get help after policy purchase. I will contact CBC Marketplace or CBC Go Public to see if they are interested in reporting this to Canadians. Seriously considering suing them in Small Claims Court. There probably should be a class action brought against their deceptive practices.