Manulife vs TuGo Travel Insurance
Which One Should a Canadian Traveller Choose in 2026?

1 Why These Two, and What This Page Does Not Do

Manulife CoverMe and TuGo are two of the travel insurers Canadians ask about most, and two of the insurers EGE Insurance quotes every day. They are worth comparing precisely because they are close: both pay up to $10 million in emergency medical costs, both run 24/7 assistance lines, both cover COVID-19, and on a typical quote the premiums are near enough that a few dollars a trip should not decide it.

What separates them is in the policy wording: how long a condition has to be stable before you leave, how the multi-trip day options fit the way you travel, how each defines a family, and what the deductible does to the price.

2 The Two Plans at a Glance

The emergency medical plans for Canadians travelling outside their province, compared on the terms that decide most claims:

The pattern: TuGo's wording favours younger travellers on short trips and families; Manulife's favours travellers who take a large deductible on an annual plan, and it has a dedicated product for health that needs individual assessment.

3 The Stability Period Is the Difference That Decides Claims

Every emergency medical policy excludes pre-existing conditions that were not stable for a set period before you left. A condition is stable, broadly, when nothing has changed: no new symptoms, no new treatment, no change in medication, no tests pending. The length of that period is the single biggest difference between these two insurers.

The first row is the one to notice. A 45-year-old whose doctor adjusted a blood pressure prescription five weeks before a two-week trip is within TuGo's 7-day window and outside Manulife's 3-month window. Under TuGo the condition is covered. Under Manulife it is excluded. Same traveller, same trip, opposite outcomes.

For travellers with a condition that is not stable under either wording, TuGo offers an optional Unstable Pre-existing Medical Condition coverage, and Manulife offers TravelEase, an individually underwritten plan. Our pre-existing conditions guide explains how to read the stability definition against your own medical history.

4 Multi-Trip Plans: Match the Day Options to How You Travel

An annual multi-trip plan covers unlimited trips in a year, each up to the number of days you chose at purchase. The two insurers slice the year differently:

The practical question is where your longest typical trip lands. A family that takes a two-week March break and a two-week summer holiday fits TuGo's 15-day option exactly, while on Manulife it would need the 18-day option. Someone who crosses to the United States for long weekends fits TuGo's 2-day or 5-day option or Manulife's 4-day one, and the shortest option is usually the cheapest.

Both insurers let you top up a multi-trip plan for a single longer trip, and TuGo adds one rule worth knowing: on its Worldwide plan, trips within Canada but outside your home province are covered beyond the day limit you bought, up to the expiry of the policy. Manulife also lets you buy up to 180 days before departure, which suits people who book far ahead. Whether annual or single-trip is right for you at all is a separate question, covered in our annual vs single trip guide.

5 Deductibles: Where Manulife Pulls Ahead on Price

A deductible is the part of a claim you pay yourself. Both insurers let you choose one, but Manulife publishes the discounts on its multi-trip emergency medical plan, and they are substantial:

A healthy frequent traveller who could absorb a $5,000 bill without hardship can cut a Manulife multi-trip premium by nearly a third. That is a bigger saving than any difference in base price between the two insurers is likely to be. TuGo offers deductible choices as well, with one convenience Manulife does not advertise: on trips in the United States, TuGo's telemedicine service is not subject to the deductible, nor is the prescription that comes out of the call.

6 Family Plans: Two Different Definitions of a Family

Both insurers sell a family rate, and they do not mean the same thing by it.

The last row is the one that matters. TuGo covers the named people whether or not they are on the same flight, which suits a household where one parent flies ahead for work or a teenager travels with a school group. Manulife's family rate is built around the family travelling as a unit. Both cap the adults at under 60, so a family plan stops being an option the year the older parent turns 60. Our family travel insurance guide compares several more insurers' family definitions.

7 What Each Pays Beyond the Hospital Bill

The $10 million maximum is the number on the brochure. The sub-limits are what you actually feel in a claim, and TuGo's policy wording spells them out:

• Follow-up visit: one visit within 14 days of the initial emergency treatment, and fracture treatment up to $1,250 afterwards.
• Hospital allowance: up to $100 a day for incidental charges such as phone and television.
• Other practitioners: up to $700 per incident for a physiotherapist, chiropractor, osteopath, podiatrist, optometrist or acupuncturist.
• Dental: an accidental blow to the face up to the policy limit, plus 30 days of continuing treatment after you return; other dental emergencies up to $700.
• Medical follow-up in Canada: after being flown home from a hospital stay, up to $1,000 for a semi-private room, $100 a day for home nursing, $300 for ambulance or taxi and $300 for appliances, within 15 days of return.

Manulife's plans carry their own sub-limits for the same categories, but those figures were not in the material read for this page and are not reproduced here. When the quotes are close, compare these lines in both wordings, and read our travel insurance claim guide for how a claim actually runs.

8 Travel Advisories and COVID-19: Read the Fine Print

Both insurers cover COVID-19 as a medical emergency. TuGo pays it up to the policy limit, with one condition: you must be travelling in line with the federal travel vaccine requirements for entry to and return from Canada that are in force when you leave. For policies bought from October 4, 2022, TuGo states that coverage applies regardless of vaccination status.

Government travel advisories are the exclusion people forget. Under TuGo's wording, an "avoid all travel" or "avoid non-essential travel" advisory in force for your destination before your policy takes effect excludes related claims, stopovers included. If the advisory is issued after you have arrived, related coverage continues for 30 days. COVID-19 claims are carved out of that exclusion.

9 If You Are 60 or Over, the Comparison Changes

Everything above about TuGo's 7-day stability window applies to travellers under 60. At 60, TuGo's stability period becomes 180 days for every trip length and a medical questionnaire is required. The questionnaire is not a formality: under TuGo's wording, an answer that turns out to be untrue adds an extra deductible of $15,000 USD to any claim, on top of whatever deductible you chose, and no further coverage applies unless the premium is corrected.

Manulife also uses a medical questionnaire for older travellers, and it offers TravelEase, an individually underwritten plan for people with medical conditions, which can be the right route when a standard plan's exclusions would leave the condition that worries you most uncovered.

1. Pull your prescription history for the last 12 months before answering either insurer's questionnaire, and note the date of every change in dose or medication. That date, not your diagnosis, decides stability.
2. Answer from the records, not from memory. A wrong answer costs far more than any premium difference between the two insurers.
3. If a condition is recent or changing, ask about TuGo's unstable condition coverage and Manulife's TravelEase rather than hoping the exclusion will not apply.

Travellers spending the winter away have a further set of rules to consider, covered in our snowbird guide.

10 Who Should Pick Which

Pulling the differences together, here is where each insurer tends to come out ahead, assuming the quotes are close:

None of these rows is a verdict on the insurer, only on the fit. The same person can be a TuGo customer at 45 and a Manulife customer at 62 without either insurer having changed. For what either plan is likely to cost by age and destination, our travel insurance cost guide has the ranges, and the USA travel insurance guide covers trips south of the border.

11 Frequently Asked Questions