Travel Insurance Update on Coronavirus (COVID-19)
March 13, 2020
I am writing to provide you with an update about Johnson and our plans related to Coronavirus (COVID-19). We understand that you will have concerns and questions about how your members' insurance coverage through MEDOC is being impacted and what steps we are taking to ensure we are supporting our customers and providing information so they can make informed decisions.
Firstly, the safety and well-being of our customers is our top priority. We have a dedicated team focused on implementing our business continuity plans to ensure our operations and claims teams will continue to be available to serve all of our customers to the standard that they expect.
Travel Insurance Coverage Update
Both Johnson and RSA Canada are monitoring the impact closely, and we are regularly reviewing out current coverages to determine how they are impacted by this evolving situation.
Trip Cancellation and Trip Interruption Insurance Coverage
A customer who booked a trip outside of Canada whose policy includes Trip Cancellations & Trip Interruption coverage may be covered if the trip was booked before any formal travel advisory against the destination country/region/city had been issued by the Government of Canada. Booking travel plans to a destination after it has received an advisory of "Avoid all travel" or "Avoid non-essential travel" can impact the travel insurance coverage.
On March 13, 2020 the Government of Canada announced formal travel advisory limiting all non-essential travel outside of Canada until further notice. It is important to note that coverage for Trip Cancellation and Trip Interruption:
- Does not extend to any travel booking made on or after a formal travel advisory is issued.
- For customers that departed on a trip before a formal travel advisory is issued, trip interruption coverage is limited to a period of 10 days from the date of the travel advisory.
- Trips booked after a destination or cruise receives a formal travel advisory are not covered for trip cancellation or interruption.
Out of Country Emergency Medical Insurance Coverage
For Out of Country Medical Insurance, a travel advisory of "Avoid all travel" or "Avoid non-essential travel" will impact insurance coverage
Out of country emergency medical coverage is not available if a formal travel advisory is issued before your departure
Customers who book future travel to a location which is currently under a relevant travel advisory (including cruises) will not have medical coverage in these locations if the advisory is still in effect at the time of travel.
If a travel advisory is issued after departure, medical coverage for that location is limited to a period of 10 days from the date of the travel advisory or formal notice was issued, or to a period that is reasonably necessary for your to safely evacuate the country, region or area.
Because of the advisory to "Avoid all cruise ship travel," beginning March 9, 2020, customers who depart on a cruise after this date will not have out of country medical coverage.
Please visit the Government of Canada's Official Website for the most up-to-date information.
This situation is developing daily and we are committed to keeping our customers informed with the most information. Customers can visit the Johnson Insurance Website for details and updates. I hope this update helps address the concerns of you and your members, and gives you confidence in the steps we are taking.
Consultant West Region