The past two years have been tough. Many of us put our travel plans on hold as we waited for borders to open and vaccines to arrive.
As the pandemic evolves, we continue to offer you the same comprehensive travel insurance, but with a few improvements.
Most of our travel insurance policies now include coverage for some COVID-19 related medical costs including medical coverage for reactions to the vaccine. They also include coverage for COVID-19 medical emergencies in locations with or without an active travel advisory.
Learn more about how COVID-19 has changed your travel insurance coverage below.
Insurance that’s ready when you are
MEDOC® and me
We make travelling simple with one annual insurance plan: MEDOC®Travel Insurance. So even for those last-minute getaways, you’ll already have one thing packed and ready to go.
Why travel insurance is worth it
The more you invest in a trip, the more important insurance becomes. With MEDOC® Travel Insurance, you have peace of mind if your trip takes a little detour. Consider it a safety blanket, knowing that you have someone with experience looking after you, even in situations you may not have planned for. So, in the event of flight delays or lost baggage—it’s nice to know that you’re in good hands, especially abroad.
Flexibility when you need it
Need to make updates to your travel insurance? You can downgrade your plan or change your supplemental trip dates at your convenience with our online form.
Your MEDOC® Travel Insurance includes:
Coverage for an unlimited number of trips throughout the policy year.*
Access to coverage regardless of age or health status
Insurance that can be purchased no matter your age or health status.†
Trip cancellation, interruption and delay insurance1 for multiple trips throughout the policy year.
Emergency medical insurance for multiple trips throughout the policy year.*
Emergency relief for certain accidental dental injuries.
This benefit can help cover eligible expenses to transport your car back home, if you‘re unable to because of a medical emergency.
Travelling with your favourite furry friend? If your trip is interrupted or if we return you to Canada, this benefit can help cover the cost of
returning your cat or dog home.
Emergency assistance when you need it
Whether you have an emergency or just some questions, the multi-lingual MEDOC® Claims Assistance Centre is available to you 24/7. They’ll be ready to direct you to the nearest medical provider or assist with your claim.
In the event of an emergency, check your ID card, policy booklet or our claims page to find the right number, and contact the MEDOC® Claims Assistance Centre immediately.
Travel insurance that really soars
If your group is a Johnson sponsored group, there’s one more great benefit—flexible, affordable travel insurance.
MEDOC® Travel Insurance is available to members of our sponsored affinity groups at a special member rate. Find out if you’re a Johnson group member & get insured today!
Have questions? We’re here to answer them
Coverage can be purchased regardless of health status. Our policy provides coverage for pre-existing medical conditions as long as the stability requirement, where applicable, is met prior to booking your trip for trip cancellation, or prior to your date of departure for emergency medical coverage and trip interruption and delay. In most cases, MEDOC® Travel Insurance requires 90 days of stability for pre-existing medical conditions. For additional information about the stability requirement specific to your policy, please speak to one of our agents.
Stable means any medical condition or related condition (including any heart condition and/or lung condition), other than a minor ailment, for which all of the following statements are true:
- there has been no new diagnosis, new treatment or new prescribed medication;
- there has been no change in treatment or change in prescribed medication (including the amount of medication to be taken, how often it is to be taken, the type of medication or changes in treatment frequency or type); Exception: i) the routine adjustment of Coumadin or Warfarin, insulin or oral medications to control diabetes, (as long as it is not newly prescribed or stopped); or ii) a change from a brand name medication to a generic brand medication (provided the dosage is not modified);
- there has been no new symptom, more frequent symptom or more severe symptom experienced;
- there has been no test result showing a deterioration;
- there has been no hospitalization or referral to a specialist (made or recommended) and there is no further investigation for which results are pending.
With MEDOC®, you don’t have to worry about not qualifying for coverage because you’ve reached a certain age . If you are concerned about your coverage in relation to your age, do not hesitate to contact us by phone at 1.866.606.3362 or by email at [email protected]
Yes, you can extend your coverage after the date of departure from your province of residence. You must contact us prior to your coverage lapsing and one of our agents will be able to assist you. Please note that there may be a premium adjustment. In case you have already experienced a claim during your trip or believe you have reason to submit a claim, please allow at least 3 business days prior to your coverage lapsing, as your file will need to be reviewed and approval received, prior to an extension request being granted.3
Base plan means your annual multi-trip coverage. It provides coverage for an unlimited number of trips outside your province or territory of residence, as long as each individual trip does not exceed the allowed number of consecutive days outside Canada or your province of residence as indicated in your policy. You do not need to advise us of exact trip dates, however proof of departure from your province or territory of residence is required should a claim occur.
The supplemental plan includes the base plan, but also provides coverage for a longer, single trip outside of Canada or your province of residence, that is not permitted under the base plan. You are required to provide a departure and a return date for your trip, and coverage is only available up to the maximum number of days allowed under your province or territory's health insurance plan.
We want you to know that we’re still here to support you!
Read more about our COVID-19 relief efforts and get answers to your most common questions through our COVID-19 page.
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Johnson Insurance is a tradename of Johnson Inc. (“JI”), a licensed insurance intermediary, and operates as Johnson Insurance Services in British Columbia and Johnson Inc. in Manitoba. MEDOC® is a Registered Trademark of JI. This insurance product is administered by JI and underwritten by SSQ Insurance Company Inc. (“SSQ”) for Quarter Century Club members and otherwise underwritten by Royal & Sun Alliance Insurance Company of Canada (“RSA”). Valid provincial or territorial health plan coverage required. Travel Assistance provided by AXA Assistance for policies underwritten by SSQ and provided by Global Excel Management Inc. for policies underwritten by RSA. The eligibility requirements, terms, conditions, limitations and exclusions which apply to the described coverage are as set out in the policy. Policy wordings prevail. JI and RSA share common ownership. Call 1-866-606-3362 for details. MEDOC® Travel Insurance is not offered in Nunavut.
Certain conditions, limitations and exclusions apply. The basic coverage summary is provided to you for informational purposes only. Your insurance contract will prevail at all times; please consult it for a complete description of coverage and exclusions.
*Maximum trip duration of 17, 35 or 40 days may apply, for trips either outside of Canada or your province of residence, see confirmation of coverage for details.
±A 90-day stability clause may apply to pre-existing medical conditions. Please refer to your policy for details. Additional restrictions may apply.
1Coverage for Trip Cancellation begins the day of booking your trip provided your insurance is in effect. Some policies may also cover trips booked within 5 days of purchase, where no cancellation penalties have been charged, or otherwise start coverage on the day insurance premium is paid and the policy is issued. See policy for details.
2Discounts on home insurance applicable to principal residence only and only on policies underwritten by RSA in Quebec and Unifund Assurance Company (“UAC”) in the rest of Canada. Eligibility requirements, limitations and exclusions apply. JI, RSA and UAC share common ownership.
3If you have had a claim or have reason to believe you will submit a claim, your request to extend may be declined or may exclude coverage for a pre-existing medical condition.