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How The Current Situation Impacts Manulife Travel Insurance Customers Travelling by Air

When travel is disrupted due to flight cancellations resulting from fuel shortages

• If a travel supplier cancels or modifies flights due to fuel shortages, the travel supplier is responsible for offering refunds, rebooking options, or travel credits. Because airlines are obligated to address these changes directly, such cancellations are generally not covered under Manulife Travel Insurance. However, depending on the insured’s specific circumstances and policy terms, certain benefits, such as misconnection or travel disruption benefits, may still apply.

When an insured’s flight is cancelled or interrupted

• Policy purchased before May 5, 2026: misconnection or disruption
  benefits may apply (see policy for complete details).

• Policy purchased on or after May 5, 2026: benefits related to this
  current situation would not apply, as it is now considered a known
  event.

When travel disruptions occur after an insured has already departed

• Policy purchased before May 5, 2026: if the current situation causes
  a delay or disruption to an insured’s return home, the insured may be
  covered under their policy’s misconnection or disruption benefits.

• Policy purchased on or after May 5, 2026: benefits would not apply
  due to the current situation being a known event.