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Manulife Health Insurance Review 2025

By
PolicyMe Editorial Team
July 31, 2025
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Key takeaways:
  • Manulife offers a wide range of personal health insurance plans under their Flexcare, FollowMe, and CoverMe Guaranteed policies.
  • Health insurance from Manulife includes coverage for prescription drugs, dental, vision, and paramedical care.
  • Plans are customizable and can include perks like virtual care, travel health insurance, and accidental death and dismemberment insurance.
  • While Manulife is well-established and reliable, some customers report high premiums, limited online quoting, and mixed experiences with claims and customer service

Overview of Manulife health insurance

Manulife offers multiple plan options for health insurance in Canada, including coverage for prescription drugs, vision care, dental care, extended healthcare, travel healthcare, and more. From flexible health and dental plans to guaranteed coverage for those with pre-existing conditions, Manulife is a go-to provider for individuals looking for tailored health insurance.

We reviewed coverage and features from top health insurance providers in Canada to evaluate how Manulife measures up. 

Category: All-in-one

Types of coverage: Health and dental, critical illness, disability, travel health, long-term care, hospital cash, visitors and returning to Canada

Customer experience score: 2.82/5

Industry reputation score: 4.16/5

Awards:

  • 2025 Gallup Exceptional Workplace Award
  • 2025 Corporate Knights Global 100
  • 2025 Corporate Knights Best 50 Corporate Citizens in Canada

Key features of Manulife’s health insurance plans

Manulife’s health insurance plans are designed to cover health insurance benefits like prescription drugs, dental work, special healthcare services, and even vision care. Some plans offer additional benefits like hospital accommodations, homecare, and mental health care.

Here are the key features of Manulife’s health insurance plans:

Feature
Description
Customizable coverage
Manulife offers a variety of plans (Flexcare, FollowMe, CoverMe) for dental, vision, prescription drugs, and more. Additional coverage is available for seniors aged 65+.
Coverage for professional services
Many plans cover visits to registered healthcare providers like chiropractors, physiotherapists, dieticians, massage therapists and more.
Virtual healthcare access
Access to TELUS Health Virtual Care provides 24/7 online consultations.
Online access
Manulife offers an online app to track and manage coverage and claims
Travel assistance services
Most plans include travel insurance and support services for emergencies outside your province or Canada
Manulife Vitality program
Eligible Flexcare and FollowMe policyholders can save 5% on first-year premiums and up to 10% in the following years for engaging in healthy lifestyle activities.
Family-friendly pricing
Special rates available for families with three or more children on Flexcare and FollowMe plans.
No job-tied limitations
Coverage continues even if your employment or health status changes. Plans are typically portable and renewable.
Coverage for pre-existing conditions
Manulife offers plans that cover pre-existing medical conditions, such as their CoverMe plan.

Learn more: What does health insurance cover?

Pros and cons of Manulife health insurance

Manulife is one of Canada’s leading providers of health insurance, offering flexible plans with broad coverage options and digital support. But while its plans are comprehensive, the cost and coverage limitations may not suit everyone’s needs.

    Benefits of Manulife Health Insurance


  • Wide range of customizable plans
  • TELUS Health Virtual Care included with many plans
  • Travel emergency health insurance and $25,000 accidental death benefit for most plans
  • Optional benefits for vision, dental, and critical illness coverage
  • Coverage available for some pre-existing conditions
  • Family discounts for households with 3+ children
  • On some plans, a survivor benefit helps maintain coverage for dependents for 1 year following the passing of the policyholder
  • Direct billing and online claims management tools
  • Unlimited ambulance services with most plans
  • Some plans, such as CoverMe, require no medical exam or questionnaire

    Downsides of Manulife Health Insurance


  • Higher premiums compared to other providers
  • Limitations on coverage for pre-existing conditions depending on the plan
  • Annual coverage caps and pre-authorizations are required for certain services
  • Premiums typically increase with age
  • Travel insurance coverage is limited to a specific number of days
  • Mixed customer reviews with reports of delays or challenges during claims processing

Types of Manulife health insurance

Manulife offers ten main health insurance plans that fall under three main categories: Flexcare, FollowMe, and CoverMe. To be eligible for health insurance coverage from Manulife, you must be a resident of Canada who is over 18 years old, have provincial or territorial government health insurance coverage, and disclose pre-existing conditions during your application process. 

Here is an overview of Manulife’s health insurance plans and coverage inclusions:

Plan Type
Prescription drug coverage
Dental coverage
Vision care
Extended health care
Paramedical coverage
Flexcare ComboPlus Starter Plan
$600
$650
$250/2 years
$250,000 lifetime maximum
Acupuncturist, chiropodist, chiropractor, dietitian, naturopath, osteopath, podiatrist, RMT
Flexcare ComboPlus Basic Plan
$5,000
$920
$250/2 years
$250,000 lifetime maximum
Acupuncturist, chiropodist, chiropractor, dietitian, naturopath, osteopath, podiatrist, RMT
Flexcare ComboPlus Enhanced Plan
$10,000
$920
$250/2 years
$250,000 lifetime maximum
Acupuncturist, chiropodist, chiropractor, dietitian, naturopath, osteopath, podiatrist, RMT
Flexcare DrugPlus Basics Plan
$5,000
Not covered
$250/2 years
$250,000 lifetime maximum
Acupuncturist, chiropodist, chiropractor, dietitian, naturopath, osteopath, podiatrist, RMT
Flexcare DrugPlus Enhanced Plan
$10,000
Not covered
$250/2 years
$250,000 lifetime maximum
Acupuncturist, chiropodist, chiropractor, dietitian, naturopath, osteopath, podiatrist, RMT
FollowMe Basics
$5,000
Not covered
$150/2 years
$400 combined registered specialists and therapists
Registered specialists and therapists
FollowMe Enhanced
$1,500
Not covered
$200/2 years
$600 combined registered specialists and therapists
Registered specialists and therapists
FollowMe Enhanced Plus
$1,500
80% up to $700 in year 1, $850 in year 2, and $1,000 in year 3+
$200/2 years
$600 combined registered specialists and therapists
Registered specialists and therapists
FollowMe Premiere
$2,800
80% up to $800 in year 1, $1,000 in year 2, and $1,500 in year 3+
$300/2 years
$650 combined registered specialists and therapists
Registered specialists and therapists
CoverMe Guaranteed Issue Enhanced Health and Dental Insurance
80% coverage of $32,125 for drug care (up to $2,500 paid per year), $500 for Lifestyle drugs (included in plan max)
80% coverage of $562 (up to $450 paid per year)
$200/2 years
Comprehensive coverage for mental health and therapy services, medical equipment, prosthetics, medical supplies, and more
Acupuncturist, chiropodist, chiropractor, dietitian, naturopath, osteopath, podiatrist, RMT

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How much does Manulife health insurance cost?

Manulife health insurance premiums vary based on several factors, including your age, health, smoking status, and the level of coverage you choose. Optional benefits, participation in the Manulife Vitality Program (which offers discounts up to 10%), and family size can also impact your rates.

Here are the average monthly health insurance premiums for individual Manulife health insurance plans: 

Manulife Health Insurance Plan Type
Average Monthly Premium
Flexcare ComboPlus Starter Plan
$130.15
Flexcare ComboPlus Basic Plan
$150.20
Flexcare ComboPlus Enhanced Plan
$232.35
Flexcare DrugPlus Basics Plan
$104.90
Flexcare DrugPlus Enhanced Plan
$143.50
FollowMe Basics
$110.75
FollowMe Enhanced
$154.30
FollowMe Enhanced Plus
$194.05
FollowMe Premiere
$264.30
CoverMe Guaranteed Issue Enhanced Health and Dental Insurance
$277.15

The table above highlights average monthly premiums, but your health insurance rates will depend on the following personal variables:

‍

  • Age and smoking status: Younger, non-smoking individuals typically pay lower premiums.
  • Health and pre-existing conditions: Some plans accept applications with pre-existing conditions (e.g. CoverMe Guaranteed), but others may charge more or apply exclusions.
  • Coverage level and add-ons: Plans with more benefits (e.g. dental, vision, travel, or critical illness) cost more.
  • Plan type: Guaranteed issue plans (e.g. CoverMe) tend to be more expensive due to fewer eligibility requirements, such as medical exams. 
  • Family plans: Family coverage costs more than individual plans, but Manulife offers special rates for families with three or more children.
  • Manulife Vitality program: You can save up to 10% on your health insurance plan with Manulife’s healthy lifestyle program. 
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What is Manulife Vitality?

Manulife Vitality is a wellness rewards program that offers perks for making healthier lifestyle choices. By completing activities like online health assessments, regular exercise, or eating well, members can earn points for up to 10% in discounts and other benefits. 

The program is available for Manulife health insurance policyholders with Flexcare or FollowMe Health & Dental insurance plans. 

Is Manulife health insurance worth it? 

Whether Manulife health insurance is worth it depends on your personal needs and expectations. For example, some benefits of Manulife’s health insurance plans include flexible, comprehensive coverage options with unique features like TELUS Health Virtual Care and discounts through its Vitality Program.

However, its premiums can be high, and reviews point to potential drawbacks when it comes to customer service and claims handling. 

    Manulife insurance might be worth it if you:


  • Want customizable plans with a range of add-ons and coverage levels
  • Have pre-existing conditions and need access to guaranteed-issue options
  • Prefer digital tools for claims and health support, like virtual care and online management
  • Are looking for family coverage or have three or more children
  • Value features like travel emergency insurance and accidental death coverage

    Manulife health insurance may not be worth it if you:


  • Are looking for the most affordable premiums
  • Want guaranteed coverage for all pre-existing conditions without limitations
  • Prefer straightforward benefits without caps or pre-authorizations
  • Expect consistently fast, responsive customer service for claims
  • Need extended hospital coverage for long-term travel insurance benefits

FAQ: Manulife health insurance

Our mission is to empower Canadians to make informed financial decisions. To achieve this, we have an expert editorial team that includes licensed insurance advisors and financial planners. We prioritize the best interests of Canadian families and won't endorse any product, company or financial strategy that we believe isn't suitable. Our educational guides are crafted by in-house experts, like licensed life insurance advisors. Before publication, we subject our research and advice to scrutiny and comprehensive revisions for accuracy and completeness.

Our mission is to empower Canadians to make informed financial decisions. To achieve this, we have an expert editorial team that includes licensed insurance advisors and financial planners. We prioritize the best interests of Canadian families and won't endorse any product, company or financial strategy that we believe isn't suitable. Our educational guides are crafted by in-house experts, like licensed life insurance advisors. Before publication, we subject our research and advice to scrutiny and comprehensive revisions for accuracy and completeness.