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Go Travel is a licensed Manulife Financial Travel Insurance provider.
Please read this Manulife document on the importance of travel insurance to get started.
The Importance of Travel Insurance
Depending on which province you live in, you may or may not be able to sell insurance directly to the client. If you are not licensed in the province where the client resides, you cannot quote or suggest specific insurance policies. You can still earn commission by directing clients to our Manulife website where they can book it themselves with our agency code. There is also a referral option (for more information, see Quoting insurance).
Travel insurance commission ranges from 10 to 45%, so you don't want to miss out on an opportunity of making more income!
*premium within this schedule is net of taxes and refunds
Group Rates: Manulife Financial agrees to pay five percent (5%) extra commission at source for groups consisting of ten or more insured clients travelling for the same dates to the same destination. This 5% override is paid at source.
Note: Some policies must be purchased within a short time frame of booking the first element of a trip (48-72 hours), so it's important that your client know about their options immediately.
You are legally required to make all Canadian clients aware that travel insurance is available.
You should consider including this in their quote, but if you haven't, you will need to make them aware that travel insurance is an option at booking. Do not delete your Sent Items or CC yourself to ensure you have proof insurance was offered.
If your clients are not Canadian, we do not have Manulife insurance options for them unless they are visiting Canada.
You must email one of the following statements to your clients, depending on if you are licensed to sell insurance or not
If you are licensed:
Go Travel is a licensed Manulife Financial Travel Insurance provider and it is required that we make you aware that travel insurance is available for purchase. Suppliers and the Government of Canada highly recommend the purchase of travel insurance. If you are interested in purchasing Manulife travel protection with Go Travel, I can provide you with a policy quote and some additional info.
If you are not licensed:
Go Travel is a licensed Manulife Financial Travel Insurance provider and it is required that we make you aware that travel insurance is available for purchase. Suppliers and the Government of Canada highly recommend the purchase of travel insurance. If you are interested in purchasing Manulife travel protection with Go Travel, please visit our insurance website for additional information.
Along with that statement, you must always attach this document. This can be sent in an email or attached to an invoice.
If you are not licensed to sell insurance in the province where the client resides, or the client cannot get the policy they would like on the Manulife website (only the most common policies are available on the website), please see the Quoting Insurance page for information on the Referral program.
If a client doesn't buy insurance and hurts themselves, they face financial ruin due to high medical costs and you may be the first person they blame for not offering medical insurance. Offering insurance is a legal requirement, but you have to prove that you offered it and it was refused. Travel agents have been sued over this so it is important to protect yourself.
Go Travel assumes NO responsibility if this happens - please follow the booking instructions we have provided to you.
Here is a personal story that was shared with us from one of our BDMs from when she was a travel agent. Two of her clients went to Mexico. One jumped in the pool and hit their head and became paralyzed. They had not purchased the travel insurance that was offered, so after all of the bills added up for medical care, they were bankrupt and went after the travel agent claiming she didn't offer insurance. Because it was offered and refused verbally (they were in her store), they sued her and it went through the court for three years. She eventually won, but she would have saved a lot of time and money if she had had proof.
You must always email the Insurance Liability Release to clients.
Other Insurance Options
Some suppliers offer their own travel insurance/protection options. You are allowed to offer these to clients, regardless of it you are licensed to sell insurance in any province. They do not all include a commission and you must review all the terms and conditions carefully. Some of them may be sufficient for your client's needs. Manulife policies often cover a great deal more, but you are not permitted to compare with the Manulife policy if you are not licensed in the province where your client lives. You will need to put them in touch with Manulife directly.
If your clients have insurance associated with a credit card or other policy, you cannot answer questions on this and should refer them back to the provider.