Johnson MEDOC Travel Insurance Review 2024
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Our Verdict
If you’re looking for travel insurance with comprehensive coverage, flexibility and a unique annual plan, Johnson MEDOC travel insurance might be worth a look. However, it’s an exclusive product offered to members of Johnson sponsored affinity groups, such as healthcare workers, teachers, public service workers and alumni. Therefore, you may not be eligible to receive coverage unless you belong to one of those groups.
Pros
- Annual coverage for unlimited trips
- Flexibility to upgrade or downgrade coverage
- Optional emergency medical deductible
- No age restrictions
Cons
- Only available to sponsored groups
- Lower coverage than other plans
- Clunky claims process
Emergency medical
Cancel For Any Reason (CFAR)
Baggage insurance (Maximum)
Table of Contents
- About Johnson MEDOC Travel Insurance
- What Travel Insurance Does Johnson MEDOC Insurance Offer?
- Johnson MEDOC Travel Insurance Plans
- Plan Summary
- Johnson MEDOC Travel Insurance Cost
- Comparing Johnson MEDOC Travel Insurance With Other Insurers
- Optional Add-Ons for Johnson MEDOC Travel Insurance
- Does Johnson MEDOC Travel Insurance Offer Any Discounts?
- Does Johnson MEDOC Travel Insurance Offer Annual Multi-Trip Plans?
- Johnson MEDOC Travel Insurance 24/7 Travel Assistance
- Does Johnson MEDOC Travel Insurance Have Cancel For Any Reason (CFAR)?
- Does Johnson MEDOC Travel Insurance Have Interruption For Any Reason (IFAR)?
- Johnson MEDOC Travel Insurance and Pre-Existing Medical Conditions
- Johnson MEDOC Travel Insurance Exclusions
- Johnson MEDOC Travel Insurance Eligibility
- How to File a Claim with Johnson MEDOC Insurance
About Johnson MEDOC Travel Insurance
Johnson Insurance offers exclusive travel, home, car and group insurance to affinity groups and professional associations, including healthcare and public sector workers, educators, alumni of select Canadian post-secondary institutions and more. MEDOC is a registered trademark of Johnson Insurance.
Johnson MEDOC Travel Insurance is underwritten by Royal & Sun Alliance Insurance Company of Canada. Travel assistance is provided by Global Excel Management Inc. MEDOC Travel Insurance is not offered in Nunavut.
In June 2021, Johnson Inc. was acquired by Intact Financial Corporation, the largest provider of property and casualty insurance in Canada.
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On World Nomad’s Website
$5 million, $10 million
Cancel For Any Reason (CFAR)
Baggage insurance (Maximum)
What Travel Insurance Does Johnson MEDOC Insurance Offer?
Here are the key types of travel insurance coverage offered in typical Johnson Insurance plans:
- Emergency medical insurance: If you get ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the coverage limits in your plan. These expenses can include doctor and hospital bills, medication and lab work.
- Trip cancellation insurance: If you cancel a trip for a reason listed in your travel policy, trip cancellation insurance can reimburse you for prepaid, non-refundable costs. Unexpected situations that may cause you to cancel your trip before departure include if you or your travelling companion gets sick, your airline goes on strike or you lose your job.
- Travel interruption or delay insurance: Trip interruption insurance can pay for a last-minute flight home in an emergency and money that you lose by cutting a trip short, such as non-refundable activities and hotel stays.
- Baggage insurance:Baggage travel insurance can compensate you up to your policy limits if your luggage is lost or stolen. It will reimburse the depreciated value of your suitcases and what you packed. If your bags are delayed, it can reimburse you for the cost of the necessities you’ll have to buy to tide you over. It also extends to your personal belongings, if lost, damaged or stolen.
- Travel accident insurance: This coverage offers compensation in the event of accidental death or catastrophic injury from an accident during your trip. Flight Accident Insurance covers injury while you’re on a commercial plane, during a connection or in an airport. Travel Accident Insurance covers death or dismemberment, including the loss of limbs or eyesight, while on your trip.
Johnson MEDOC Travel Insurance Plans
Johnson Insurance offers two base plans: A 17-day Plan and a 35-day Base Plan.
The 17-day Plan provides coverage for a full year for any number of trips outside of Canada that don’t exceed 17 days. Trips taken within Canada can be any number of days.
The 35-day Base Plan provides coverage for a full year for any number of trips outside of Canada that don’t exceed 35 days. Trips taken within Canada can be any number of days.
Should you wish to travel for longer than 35 days in one trip outside of Canada, you can purchase additional travel days with a Supplemental Plan. For example, say you wish to travel for 46 days, in that case you would purchase the Supplemental Plan that automatically includes the 35-day Base Plan and pay a pro-rated premium. Premiums are based on the total trip duration above 35 days in increments of:
- 36 to 45 days
- 46 to 60 days
- 76 to 90 days
- 91 to 105 days
- 106 to 120 days
- 121 to 135 days
- 136 to 150 days
- 151 to 165 days
- 166 to 182 days
A trip of 121 days, for example, would have the same premium as a trip of 135 days.
The total premium due for the policy year is payable through preauthorized monthly deductions or one lump sum.
Each plan offers the same coverage. This includes:
Emergency medical insurance: This coverage is for sudden and unforeseeable accidents, illness or injury, up to a maximum of $5 million, per insured person, per policy year for an unlimited number of trips.
Emergency medical coverage includes:
- Hospital accommodation up to a private room if medically necessary
- Other hospital services and supplies
- Medical, surgical or anesthetic treatment by a physician
- X-rays and other diagnostic tests
- Use of an operating room, anesthesia and surgical dressings
- Cost of ground or air (if pre-approved) ambulance services
- Outpatient emergency room charges
- Prescription drugs or medication (to 30-day supply)
- Rental cost of a wheelchair, or the rental/purchase of other minor medical appliances, such as crutches and braces
- Private duty nursing
- Treatment by a chiropodist, chiropractor, osteopath, physiotherapist or podiatrist while on your trip
- Emergency dental treatment due to a blow to the face
- Emergency dental treatment due to illness
- Hospital allowance for long distance calls, TV rental when hospitalized for at least 48 hours
- Additional hotel and meal expenses if your medical emergency causes you to delay your scheduled return
- Non-medical emergency evacuation
Trip Cancellation and Trip Interruption: This coverage provides reimbursement if you need to cancel your trip before departure, as well as expenses such as hotels, meals and taxi fares due to an unexpected trip delay.
Plan Summary
We’ve highlighted the key benefits and maximum coverage of the Johnson MEDOC travel insurance plan to see if it’s right for you.
Coverage Type | Maximum Coverage Amount |
Emergency medical | $5 million |
Medical repatriation | One-way economy airfare |
Private duty nursing | Up to $10,000 |
Non-medical emergency evacuation | Up to $5,000 |
Hospital allowance for TV, telephone | Up to $250 |
Emergency dental | Up to $5,000 |
Emergency dental illness | Up to $600 |
Paramedical services, such as physiotherapy, podiatrist, etc. | Up to $500 per medical profession |
Bedside companion travel | Round-trip economy airfare |
Return of remains | Up to $5,000 |
Subsistence allowance due to travel delay | Up to $350 per day to $3,500 maximum |
Return of vehicle | Up to $5,000 |
Pet return | Up to $500 |
Trip cancellation | Up to the sum insured to $8,000 maximum |
Trip interruption | Up to the sum insured to $8,000 maximum |
Meals & accommodation due to travel delay | Up to $350 per day to $3,500 maximum |
Misconnection and travel delay | Up to $1,000 for one-way economy fare |
Travel accident | $25,000 for death, double dismemberment/ $12,500 for single |
Flight accident | $100,000 for death, double dismemberment/ $50,000 for single |
Baggage insurance | Up to $1,500 per insured, maximum $3,000 per family |
Baggage delay | Up to $400 per insured, maximum $1,000 per family (after 12 hour delay) |
Document replacement for passport, travel visa, etc. | Up to $500 |
Johnson MEDOC Travel Insurance Cost
The price of Johnson MEDOC travel insurance depends on your age and the amount of coverage you choose, as well as one of three health options: Standard Health, Preferred Health and Optimum Health. The option you qualify for is based on your answers to a Health Option Questionnaire and affects your premium rate. Coverage is automatically offered at the Standard Health option. Should you wish to apply for a preferred rate, you need to do so within 60 days of the first premium deduction.
Here are some sample quotes for the Johnson MEDOC Insurance plan for healthy travellers in Ontario with the University of Toronto sponsored group plan.
Traveller(s) | Destination | Base up to 17 days | Base up to 35 days |
Couple, age 27 | Mexico, 7 days, $3,000 trip cost | $41.04/mth | $45.90/mth |
Individual, age 50 | UK, 10 days, $3,500 trip cost | $31.57/mth | $34.66/mth |
Couple, age 65 | Italy, 21 days, $8,000 trip cost | $79.02/mth | $92.72/mth |
It’s important to note that this quote from June 2023 is the monthly price and is pro-rated to the end of the policy year, which is August 31. This pro-ration is available to first-time applicants only. Your coverage will automatically renew at the end of your policy term at the Standard Health option level.
With your emergency medical coverage you can also add an optional deductible, or the amount you will pay out of pocket before your coverage kicks in, to lower the cost of your premium.
TD Insurance
- Emergency medical: $5 million
- Cancel For Any Reason: No
- Baggage insurance (maximum): $1,000
Manulife
- Emergency medical: $10 million
- Cancel For Any Reason: No
- Baggage insurance (maximum): $1,000