Long story short: you need it!


We live for the adventure, but we take your health and safety seriously. That’s why you are required to have travel insurance when you book any of our tours or tailor-made holidays. At a minimum your travel insurance must provide cover against personal accident, death, medical expenses, emergency repatriation and personal liability, with a minimum medical coverage of US$50,000. We take this so seriously that we’ll require a copy of your policy confirming the above coverage before we will issue your final documents.

Travelling after January 31st, 2019? Click here. Travelling before January 31st, 2019? Your scheduled Out Adventure includes a policy that covers the above requirements, and a few additional benefits*:



Medical Coverage (Canadian residents)


  • Up to $5 million in emergency medical coverage
  • Coverage for paramedical services due to covered risk, up to $300 by profession
  • Ambulance transportation
  • Emergency dental treatment
  • Expenses related to death
  • Emergency medical return home
  • Visit to bedside if travelling alone
  • Return of children in the care of the insured
  • Additional expenses for meals and hotel
  • Return home of vehicle
  • Trip break without terminating coverage

Medical Coverage (Non-Canadian residents)


  • Up to $50,000 in emergency medical coverage
  • Coverage for paramedical services due to covered risk, up to $300 by profession
  • Up to $300,000 Ambulance transportation
  • Emergency dental treatment
  • Expenses related to death
  • Emergency medical return home
  • Visit to bedside if travelling alone
  • Return of children in the care of the insured
  • Additional expenses for meals and hotel
  • Return home of vehicle
  • Trip break without terminating coverage

Other Benefits (Canadian & Non-Canadian)


Trip Interruption Benefits

  • Up to $3,500 per insured per trip for Single-Trip All-Inclusive plans

Highlights of some of the insured risks:

  • Unexpected medical emergency or death of insured or insured's travel companion
  • Unexpected medical emergency or death of insured's or insured's travel companion's immediate family or key person
  • Missed connection

Baggage Loss, Damage and Delay
This coverage relates to the loss of, damage to, and delay of baggage and effects. This insurance provides coverage for the following expenses:

  • Up to $100 for replacement of a lost or stolen passport, driver's license, birth certificate or travel visa
  • Up to $500 for necessary toiletries and clothing when luggage is delayed by the carrier for at least 10 hours while the insured is en route
  • Up to $300 per trip for any item or set of items to a maximum of $1,000

Flight Accident and Travel Accident
Flight Accident and Travel Accident Insurance covers the following benefits:

  • If an accidental bodily injury causes the insured to die, to become completely and permanently blind in both eyes or to have two limbs fully severed above the wrist or ankle joints, in the 12 months after the accident, Manulife Financial will pay: $100,000 under Flight Accident Insurance; or $50,000 under Travel Accident Insurance.
  • If an accidental bodily injury causes the insured to become completely and permanently blind in one eye or have one limb fully severed above a wrist or ankle joint in the 12 months after the accident, Manulife Financial will pay: $50,000 under Flight Accident Insurance; or $25,000 under Travel Accident Insurance.
  • If the insured has more than one accidental bodily injury during the trip, Manulife Financial will pay the applicable insured sum only for the one accident that entitles the insured to the largest benefit amount.


    *For bookings discounted 10% or more, insurance will not be included on tours departing before January 31st, 2019. Travel insurance is not included on scheduled tours departing after January 31st, 2019, or tailor-made itineraries, unless otherwise indicated.