Johnson MEDOC Travel Insurance Review 2024

Editorial Note: Forbes Advisor may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations.

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

Cons

Johnson MEDOC Travel Insurance Coverage Levels

Emergency medical Cancel For Any Reason (CFAR) Baggage insurance (Maximum)

Table of Contents

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.

Featured Partner Offer

World Nomads Travel Insurance Review

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:

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:

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:

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.

Comparing Johnson MEDOC Travel Insurance With Other Insurers

TD Insurance

Manulife