Choosing the Right Travel Insurance Coverage

Travel insurance isn’t one-size-fits-all. Age, health history, trip length, and destination all affect what type of coverage is appropriate — and which provider is the best fit.

MARBECK does not sell travel insurance directly. Instead, we work with trusted partner providers and help clients choose the option that best aligns with their personal situation.

Below is a general guide to help you understand why someone might choose one travel insurance option over another.

Manulife CoverMe
SECURIGLOBE

Why Manulife CoverMe?

This is the most commonly used and trusted travel coverage option. It’s the go-to choice for most travellers.

This type of coverage is typically a good fit if:

  • You are generally healthy

  • You have no significant pre-existing medical conditions, or your conditions are stable

  • You are looking for straightforward, widely recognized coverage

  • You want a simple purchase experience with a well-known Canadian insurer

Why people choose this option:

  • Backed by a large, established Canadian insurance provider

  • Clear coverage options for emergency medical, trip interruption, and trip cancellation

  • Often more cost-effective for travellers without complex medical needs

  • Suitable for vacations, short trips, and routine travel scenarios

Best for: the majority of travellers who want reliable coverage and an easy process.

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Why SecuriGlobe?

Specialized Travel Insurance for Medical Complexity.

Some travellers need a more specialized approach — particularly when medical history, age, or health concerns could affect coverage eligibility.

This type of coverage is typically a good fit if:

  • You have pre-existing medical conditions

  • You are older or have age-related health considerations

  • You’ve been declined or restricted by standard travel insurance policies in the past

  • You want greater confidence that your medical situation is properly reviewed and considered

Why people choose this option:

  • Greater focus on medical underwriting and complex health profiles

  • More flexibility for travellers with existing conditions

  • Designed to address situations where standard policies may be limited or unavailable

  • Added peace of mind for travellers who are concerned about coverage gaps

Best for: travellers who want reassurance that their health situation has been properly assessed before they travel.

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A quick note

on choosing coverage:

Travel insurance coverage, eligibility, and pricing are determined entirely by the insurance provider. Medical questionnaires and disclosures are an important part of the process, especially for travellers with health concerns.

If you’re unsure which option fits your situation, reviewing the provider’s details carefully — or speaking directly with the insurer — can help ensure you’re choosing appropriate coverage for your needs.

Disclaimer:

MARBECK provides information and access to trusted travel insurance partners but does not underwrite or issue insurance policies. Coverage terms, conditions, and eligibility are determined by the insurance provider.