Is MEDOC Travel Insurance the best in 2024?
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Finding good travel insurance that offers comprehensive coverage is a daunting task. They always lack one thing or the other. But we've got you covered.
Among the host of options available in the market, MEDOC travel insurance could be an option to consider. It provides comprehensive travel insurance irrespective of age or health status. But is it the right fit for you?
To help you with that, we bring you this review of MEDOC travel insurance, its coverage, pros and cons, claims process, and everything you need to know. You can also compare its coverage with different providers and get quotes so you can get a travel insurance that suits you the best.
MEDOC Travel Insurance: 5 Key Takeaways
- MEDOC travel insurance offers a comprehensive package, including benefits for vehicle and pet returns.
- Regardless of age or health status, you can purchase their policy.
- It does not cover trips to war zones or high-risk terrorism areas and activities like extreme sports.
- The rates vary based on factors such as age, trip duration and coverage level.
- It offers tailored plans for specific groups, such as the FSNA MEDOC travel insurance plan for members of the Federal Retirees Association of Canada.
- Compare coverage of the best travel insurances in Canada and get quotes using HelloSafe comparator.
Our review of MEDOC travel insurance Canada
MEDOC travel insurance is a product offered by Johnson Insurance in Canada. It provides coverage for a variety of travel-related expenses, including emergency medical care, trip cancellation and baggage loss or damage. The coverage is available in two plans:
- The base plan: It provides coverage for an unlimited number of trips within Canada and up to 35 days per trip outside of Canada.
- The supplemental plan: This provides coverage for longer trips outside of Canada, as well as additional benefits such as trip cancellation and interruption for non-medical reasons.
We have put together some of the main pros and cons of Johnson MEDOC travel insurance to help you understand it better.
Pros:
- Unlimited trips covered
- Pet return coverage options
- Emergency medical insurance
- No age or health restriction for plans
Cons:
- No coverage for trips to war zones/countries with high terrorism risk
- Limited coverage for activities like extreme sports, scuba diving
- Waiting periods possible for some benefits like trip cancellation (also appears in MEDOC travel insurance reviews)
Good to know
What is the FSNA MEDOC travel insurance plan?
The FSNA MEDOC travel insurance plan is a travel insurance plan designed specifically for members of the Federal Retirees Association of Canada (FSNA). The MEDOC travel insurance for federal retirees plan offers a variety of benefits, including emergency medical coverage, trip cancellation and interruption, baggage loss or damage, travel delays and more.
What does MEDOC travel insurance cover?
MEDOC travel insurance offers a comprehensive package, including:
- Unlimited trips: Enjoy coverage for an unlimited number of trips throughout the policy year.
- No age or health restrictions: Regardless of your age or health status, you can purchase this insurance.
- Trip disruption coverage: Benefit from trip cancellation, interruption and delay insurance for multiple trips during the policy year.
- Emergency medical insurance: Stay protected with emergency medical insurance for multiple trips throughout the policy year.
- Dental emergency relief: Receive assistance for accidental dental injuries during your travels.
- Vehicle return assistance: If a medical emergency prevents you from returning home with your car, this benefit can help cover eligible expenses for transporting it back.
- Pet return coverage: Traveling with your beloved pet? In case of trip interruption or return to Canada, this benefit can assist in covering the associated expenses.
Good to know
MEDOC travel insurance for retired teachers
The policy is available for retired teachers through the BC Retired Teachers Association (BCRTA). The BCRTA has partnered with Johnson Insurance to offer a special travel insurance plan for retired teachers. The policy offers the same benefits as the standard plan with some additional benefits.
We recommend that you compare the coverage of MEDOC travel insurance policy with other providers before deciding what's best for you. You could simply use our comparator below to compare coverages of different insurance providers and also get free quotes.
Compare the best travel insurance plans on the market!
What does MEDOC travel insurance not cover?
While MEDOC travel insurance provides significant coverage, there are some exclusions. Here are some of the things that MEDOC travel insurance does not cover:
- MEDOC travel insurance does not cover the cost of replacing lost or stolen passports.
- It does not cover cancellation or interruption of your trip for reasons such as a change of mind, bad weather or strikes.
- There is no coverage for pre-existing medical conditions that have not been stable for a certain period of time.
- Activities that are considered to be high-risk
- War zones or countries with a high risk of terrorism
What are MEDOC travel insurance rates for 2024?
The rates for MEDOC travel insurance in 2023 vary depending on a number of factors, including your age, the length of your trip and the level of coverage you choose. It could also vary based on your location. For instance, MEDOC travel insurance bc could be different from that of Ontario.
- Your age: Younger travellers typically pay lower rates than older travellers.
- The length of your trip: Longer trips usually cost more to insure than shorter trips.
- The level of coverage you choose: More comprehensive coverage typically costs more than basic coverage.
- Your health: If you have any pre-existing medical conditions, you may have to pay higher rates for travel insurance.
Here are some sample rates for MEDOC travel insurance in 2023:
| Plan Duration | Base Plan Price |
|---|---|
| 17-day plan | $89 |
| 35-day plan | $179 |
| Plan Duration | Supplemental Plan Price |
|---|---|
| 36-45 days plan | $109 |
| 46-60 days plan | $139 |
If you'd like to compare the prices of MEDOC policies with others, you could use our comparator below to compare coverages, pricing and offers of the best travel insurances in Canada and also get free quotes in no time.
Compare the best travel insurance plans on the market!
How to file a claim with MEDOC travel insurance?
Here are the steps you can take to make a claim:
- Gather your documentation. You will need to gather all of the documentation related to your claim, such as your travel insurance policy, medical bills, receipts for any other expenses, police reports, if applicable or any other documentation that supports your claim.
- Contact MEDOC travel insurance: You can contact MEDOC travel insurance by phone, email or mail or using MEDOC travel insurance sign in. We have listed the details below.
- File your claim: You can do this by filling out a claim form that you can access through your sign-in.
- Provide additional information: They may ask you to provide additional information about your claim, such as a detailed explanation of the events that led to your claim or the names and contact information of any witnesses.
- Wait for a decision: Once they review the claim, they will make a decision. You'll get notified of their decision within a few weeks.
If your claim is approved, they will pay for the eligible expenses. If your claim is denied, you will receive a letter explaining the reason for the denial.
Tips to make a good claim
Here are some additional tips for making a claim:
- Be as detailed as possible when describing the events that led to your claim.
- Provide all of the documentation that you have related to your claim.
- Be patient. It may take some time to review your claim and make a decision.
How to contact MEDOC travel insurance?
You can connect with MEDOC using one of their self-serve tools:
- Help & Support: MEDOC’s tool to find quick answers to the top FAQs.
- Chat: Chat with one of MEDOC’s licensed insurance specialists.
- Visit a local branch.
- Call them at MEDOC travel insurance phone number 1-833-886-4799.
Is MEDOC travel insurance tax deductible?
Medical and travel insurance premiums are generally not tax-deductible for individuals for personal travel purposes. This includes coverage like MEDOC travel insurance, which provides medical emergency coverage during trips.
However, there are specific situations where medical expenses might be tax-deductible, but they are typically related to medical expenses incurred within Canada and not necessarily related to travel insurance premiums.
You can potentially recover a portion of their travel medical insurance expense by utilising the CRA Medical Expense Tax Credit when filing your income tax return. The Medical Expense Tax Credit facilitates a reduction in income tax liability by allowing individuals to include travel medical insurance premiums, along with other qualifying medical expenditures, on their tax return, provided they meet specific eligibility criteria.
It is advisable to seek professional guidance from an accountant regarding the procedure to claim your travel medical insurance premium as a Medical Expense Tax Credit.
