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As the novel Coronavirus (COVID-19) outbreak continues to impact our communities, we're here to support our customers when they need us.

Travel Insurance Updates

The information on this webpage applies to travel policies underwritten by RSA. QCC members can make a claim or get more information by visiting our dedicated QCC COVID-19 support page.

WE CONTINUE TO SUPPORT YOU

COVID-19 continues to impact travel. We strongly encourage Canadians to follow the advice of the Government of Canada and local government when booking and travelling. Please be aware that return transportation options and availability of medical care may become very limited outside Canada. Rules and guidelines are changing rapidly. Be sure to monitor applicable Government of Canada websites and visit this website regularly for the most current information.

We know that travel is a personal decision for everyone. If you do choose to travel, it’s important that you plan ahead, research, ask questions, be knowledgeable and make sure that all the elements of your trip come together for a safe experience. Be sure to read your policy in full, to ensure you have an understanding of what it covers, and what it doesn’t cover.

  • Travel insurance coverage IS available for COVID-19 medical emergencies, even where travel advisories due to COVID-19 are in place.

  • Trip cancellation/trip interruption, coverage for COVID-19 IS NOT available, even where there is no travel advisory in effect.

Not all travel insurance products include emergency medical coverage and/or trip cancellation/interruption coverage. While the information on this webpage could address most cases, each person’s travel arrangements and coverage may differ. Please refer to your policy to find out which coverages apply to your travel insurance.

COVID-19 Travel FAQ

Does my travel insurance cover COVID-19?

Coverage IS available for COVID-19 medical emergencies, even where travel advisories due to COVID-19 are in place. For trip cancellation/trip interruption, coverage for COVID-19 IS NOT available, even where there is no travel advisory in effect.

For the latest information on Canadian government travel advisories, go to travel.gc.ca.

Does my travel insurance cover the cost of a COVID-19 test required for travel?

No, this type of expense is not covered by your travel insurance policy as it would not be considered an expense related to a medical emergency.

Each province or public health authority has posted information online for residents to be informed on how & where tests for COVID-19 are conducted. Additionally, be sure that your test results will meet the timeframe for the entrance requirements of your destination.

Will my travel insurance cover the additional expenses if I must quarantine at destination, or if I am refused boarding due to a positive or late COVID-19 test result?

Your travel insurance will not cover these expenses.

If you are refused boarding or entry, you will incur additional expenses for lodging and meals in your destination. You may also lose the cost of your flight and have to pay for a new flight at a later date. Check with the airline for their policy on refusal of boarding and what options are available.

It is also important to be sure that you still have travel medical coverage for a longer than intended trip. Contact your insurer to see what options may be available if your coverage ends before you can get home.

Will my travel insurance cover a trip cancellation or interruption if my vaccination, or proof of vaccination, does not meet entry requirements of my destination?

If you are refused boarding or entry, your cancellation or interruption of your trip will not be covered by your travel insurance, as well as any additional expenses for lodging and meals you may incur.

Before travelling outside of Canada, check for any new travel restrictions, guidelines, or requirements at your destination country such as:

  • Status of allowing foreign visitors
  • Proof of vaccination
  • Requirements to be recognized as fully vaccinated
  • Quarantine requirements upon arrival and/or the need for a recent negative COVID-19 test.
  • Any other entry requirements i.e. download local app, QR code, etc.

Also, make sure you are aware of any re-entry requirements when returning home to Canada. https://travel.gc.ca/returning

If I am experiencing symptoms of COVID-19 prior to my departure, what should I do?

The Government of Canada recommends that you do not travel if you:

  • have symptoms of COVID-19, even if mild
  • are in quarantine or isolation
  • have been diagnosed with COVID-19
  • are waiting for the results of a lab test for COVID-19have been in close contact with someone who has or is suspected to have COVID-19

However, if you must travel, your policy may not provide coverage for medical conditions and/or symptoms that existed before your trip. Read your policy to see how your coverage may be impacted. https://travel.gc.ca/travelling/health-safety/travel-health-notices/221

If I have complications due to the COVID-19 vaccine during my trip, will expenses related to the complications be covered?

If you receive the vaccine before your departure date, coverage is available if you don’t have symptoms or complications of an adverse reaction to the COVID-19 vaccine before you leave. If you do show symptoms or complications prior to the departure date, it is recommended that you don’t travel. However, if you must travel, your policy may not provide coverage for medical conditions and/or symptoms that existed before your trip. Read your policy to see how your coverage may be impacted.

If you receive the vaccine at destination, Emergency Medical Insurance benefits are available for a medical emergency arising from a COVID-19 vaccination. This does not apply to complications from other vaccines or other non-emergency treatment. Your coverage does not include expenses for the vaccination.

Please carefully review the details of the modifications to your policy for the current policy year, which can be downloaded, printed and saved by these links:

MEDOC Travel Insurance

Prestige Travel Insurance

Will my policy cover me if I am out of the country longer than planned?

If you have decided to stay longer than planned at your destination you may be able to purchase an extension by calling 1-866-606-3362 before the date that your coverage would normally expire.

It’s important to remember that your coverage will end at midnight on the last day of your covered days or the last day of your insured trip. Travel insurance does not cover expenses incurred after your coverage has ended unless your return home was delayed by a previous and covered medical emergency or any automatic extension provision in your policy. If you are having a medical emergency, please call Global Excel Management.

Can I claim if I have been issued a credit or voucher due to COVID-19?

Contact your travel supplier to see if you are entitled to a refund if you are unable to use a voucher or credit before its expiry, or if you have other disputes regarding refunds and credits. If the credit or voucher expires or a situation arises where you are unable to use it, please contact Global Excel Management to understand what solutions are available.

For more information on obtaining vouchers and credits from airlines, the Canadian Transportation Agency offers suggestions in a statement on vouchers and credits.

Where can I go to find information on Canadian government issued travel advisories?

For Canadian government travel advisories, go to travel.gc.ca.

There are four levels of travel advisory. The top two levels are mentioned in your travel insurance policy and can impact your coverage.

  • Level 3 means the government recommends against any non-essential travel to that country or region.
  • Level 4 is the highest level and it states that Canadians should avoid all travel to a country or region and should come home if already there.

These advisories can also apply to specific types of travel such as the Level 4 advisory to avoid all cruise ship travel outside of Canada that was put in place in March of 2020.

Before travelling outside of Canada, check for any new travel restrictions, guidelines, or requirements at your destination country such as:

  • Status of allowing foreign visitors
  • Proof of vaccination
  • Requirements to be recognized as fully vaccinated
  • Quarantine requirements upon arrival and/or the need for a recent negative COVID-19 test.
  • Any other entry requirements i.e. download local app, QR code, etc.

Also, make sure you are aware of any re-entry requirements when returning home to Canada. https://travel.gc.ca/returning

When I return to Canada what will I need to do?

Information is regularly updated on the Government of Canada’s COVID-19: Travel, quarantine and borders information page. Costs incurred due to entry requirements are at the travellers’ expense and are not covered by your travel insurance policy.

Check for the most current information and details at travel.gc.ca before you leave and prior to your return. These rules and guidelines are subject to frequent change.

Where can I go to find out about travel restrictions within Canada?

Travel within Canada is not the subject of Government of Canada advisories but may be limited by provincial restrictions. States of emergency, quarantine requirements, entry restrictions, curfews and other measures may be in place or be introduced by a province or region and that will mean restricted mobility. Check provincial/territorial websites for the most up-to-date information by province/territory.

If you are planning to travel within Canada, note that COVID-19 can also impact your plans and it is important to have travel insurance coverage to cover gaps in GHIP (Government Health Insurance Plans). Contracting COVID-19 while travelling in another province can result in the same challenges you would face abroad.

The information on this webpage provides information on emergency medical coverage and trip cancellation and interruption coverage. To see which benefits apply to you, refer to your policy.

 

Helpful ‘available websites’

We're Here for You – HOME AND CAR INSURANCE CUSTOMERS

Our core purpose—to safeguard customers from everyday risks—has never been stronger than in the situation we find ourselves today. To date, Johnson Insurance along with our related company RSA Canada have been proud to help our valued customers by providing more than $100M in relief measures.

We recognize that things are continually changing and we want you to know that we’re still here to support you. See our FAQs below for more details.

Have your driving habits changed? If you are driving less or your driving habits have resumed, ensure you have the right coverage.

If you have made changes to your car insurance, and you have now resumed using your car to commute to work, or your daily use and your kilometers driven have now increased, you will likely need to update your driving details and coverage. Otherwise, you may not be covered for a claim or have the appropriate insurance coverage.

There are 2 ways to update coverage:

  1. For customers who wish to decrease or increase their annual driving and commuting distances, simply visit the online vehicle usage form, enter your name and policy number and answer a few brief questions.
  2. Give Johnson a call or reach out to us via live chat and we’ll be happy to modify your car insurance coverage to what is appropriate for you.

Please note that updating your coverage may result in a change in premium.

Customer Relief Updates

Customers who are continuing to temporarily use their vehicle for delivery services after September 30, 2020 need to contact us to ensure their insurance coverage is appropriate. Use of vehicle for deliveries under existing policy may result in denial of claim and/or mid-term cancellation.

Customers who may still be working from home due to COVID-19 can rest assured that we will not make any changes to your policy without notification that your driving habits have resumed. Effective October 1, 2020, we will be reinstating our standard practices with respect to NSF fees.

Branch Closures

Our branches continue to be closed to ensure we keep our customers and employees safe, while doing our part to promote social distancing. Please be assured that our service, claims and sales teams are available to support you, via phone and online.

Help & Support

Whether it’s our 24/7 claims line or online self-service, we’re here when it matters most. Here’s how you can get assistance with your policy:

Manage your Car Insurance Online

  • Access policy documents, increase current coverage, update deductibles and review your payment and policy details online using our self-service portal.
  • Manage your auto policy now.

FAQs

Online Chat

  • Quick and convenient, ask simple questions about your policy.
  • Visit our Help and Support page to chat online now.

Claims Advice Line

  • Get advice specific to your coverage and find out the impact of making a home or auto claim.
  • Call 1-866-864-2520 to speak to a specialist.

24/7 Claims Point™ portal

  • Make a home or auto claim online, at your convenience and track its status.
  • Visit the Claims Point® portal to make a claim online.

24/7 Claims Phone Line

  • Call any time and speak with an agent to make your claim. You can find the best number to call on our Claims page.

 

UPDATED Oct 22, 2021

Have questions about COVID-19? We’re here to answer them

What customer assistance has been provided since the beginning of COVID-19?

To support customers the following assistance has been offered to Unifund home and car insurance customers:

  • All car insurance customers with an active policy on May 22nd automatically received a rebate of 10% of their car insurance premium for the months of April, May and June 2020. The rebate had no impact on coverage, and no action was required by you.
  • Reductions in premiums for customers who are driving or commuting less because circumstances have changed due to the pandemic. Please note: customers must notify us once they begin commuting again in order to maintain your coverage.
  • Extended coverage to customers who temporarily used their vehicle for delivery services until Sept 30, 2020. Customers who continue to temporarily use their vehicle for delivery services after September 30, 2020 must contact us to ensure their insurance coverage is appropriate. NSF fees were waived until Sept 30, 2020.
  • Customers who are required by their employer to work from home due to the current situation with COVID-19 can rest assured that the property coverage they already have in place will not be impacted.

To learn more feel free to reach out and chat with one of our agents. 

How can I save on my car insurance during COVID-19?

If your number of kilometres driven has decreased, you may be able to reduce your auto insurance premium.  For example, if you no longer commute to work and only drive to obtain essentials such as groceries and prescriptions.

The fastest and most convenient way to request the change is by completing this online vehicle usage form. Your policy will be updated as requested, or you will be contacted if required.

You’ll need to update your policy once your driving habits return to normal. Otherwise, you may not be covered for a claim or have the appropriate insurance coverage. You can also do this through our online vehicle usage form. Please note that an increase to your coverage may result in a change to your car insurance premiums.

Am I covered if I am still using my vehicle for deliveries?

If you’re continuing to use your vehicle for deliveries after October 1st (e.g an employee of a pharmacy, restaurant, grocery store or part of an app-based food delivery service such as UberEats, Skip the Dishes, Instacart, etc) please contact us to ensure you have the appropriate coverage in place. The temporary accommodation for coverage for this usage under existing policies has been removed and the proper vehicle for delivery coverage needs to be put in place.

Is there coverage in my Home Policy for Learning Pods?

We understand that many parents are seeking alternative solutions for their children instead of attending school in-person. Coverage is not impacted when parents are keeping their children or relatives at home for the sake of online learning, or are sharing parenting duties or online learning with neighbours or relatives.  However, we do not allow commercial/paid childcare (including daycare) or schools where teachers or tutors are hired to be operated in the home. In these situations, it is important to call us to get commercial or specialty insurance put in place.

I’m new to the concept of working from home. If I’m working from home as instructed by my employer, should I have any concerns with my property insurance?

If you are required to work from home due to the current situation with COVID-19, the property coverage you have in place will not be impacted. This is an extraordinary situation where everyone is doing what is needed to help prevent the spread of the disease.

How can I make my premium payments?

We offer a variety of payment options to suit your needs. The most common include either direct withdrawal from your bank account or payroll deductions (that are available for certain groups).

Customers can also pay by cheque, however, due to recent events related to COVID-19, we are experiencing delays in our mail processing. This has resulted in some customers who pay using cheques inadvertently receiving late payment notices.  While cheque payments are still acceptable, we strongly recommend that you use other options, including online banking.

What should I do if I get into an accident and need to file a claim?

Our claims teams are available to help you 24/7. To ensure the most efficient service, we would like to remind you that the most effective ways to report a claim:

What if I’m using my vehicle to pick up food for my neighbours? Will this be a problem for my Auto coverage?

Helping neighbours as a volunteer is a wonderful way to assist the community and you will continue to have auto coverage when doing so.

Is my coverage impacted by the recent announcements regarding international travel?

The Government of Canada temporarily suspended flights to and from certain international destinations. Canadians should strongly consider the Government’s advice to avoid international travel and return to Canada.

For customers who stay abroad, coverage will continue within the terms and conditions of the policy. However, please be aware that most policies don’t include trip cancelation or interruption coverage when travel is impacted by COVID-19.

I’m a QCC member. Where can I find more information about my travel insurance during COVID-19?

Please visit our dedicated QCC COVID-19 support page to find more information about your travel insurance during COVID-19.

How do I make a travel insurance claim?

You can contact our claims partner, Global Excel Management using the phone number included in your insurance policy or on your wallet card. If you need to open a claim for Trip Cancellation and Interruption you may also open your claim online through Global Excel Management’s claim portal.

Click “Notify us of a Claim” on the top right of the page and the website will guide you through the submission process.

  • Customers can also call 1-800-709-3420
  • If you wish to delay cancelling a future trip, you are strongly encouraged to validate the payment schedule, cancellation penalties and terms with your travel supplier.
I received a credit or voucher from my travel provider. Can I claim the full amount through my insurance?

Travel insurance policies with trip cancellation and trip interruption coverage are designed to cover costs for cancelled trips that are non-refundable and non-transferrable.

Customers should contact their travel supplier if they are unable to use a voucher or credit before its expiry, or if they have other disputes regarding refunds and credits. If your credit or voucher expires or a situation arises where you are unable to use it, please contact Global Excel Management to understand what solutions are available to you.

For more information on obtaining vouchers and credits from airlines, the Canadian Transportation Agency offers suggestions in a statement on vouchers and credits.

Am I covered for Trip Cancellation and Interruption if I book a trip and travel to a location under a Government of Canada Travel advisory to avoid non-essential travel?

Trip Cancellation and Interruption coverage is not available for travel bookings made for a destination which is under a Government of Canada Travel advisory to Avoid Non-Essential Travel or to Avoid All Travel.

As of the start of the new policy year (January 1, 2021 for most customers), Trip Cancellation, Interruption & Delay coverage related to COVID-19 is not available. Customers who have not made a trip cancellation claim for bookings made prior to the pandemic should refer to their policy to understand timelines to submit a claim and note that the travel advisory changes by the Government of Canada may further impact claim eligibility.

If I receive the COVID-19 vaccine prior to departure, but incur complications due to the vaccination during my trip, will emergency medical expenses related to the complications be covered?

Coverage may be available if you do not show symptoms or complications following the immunization prior to your departure date.

If you do show symptoms or complications prior to the departure date, those symptoms or complications will be subject to the terms, exclusions and limitations of your policy. For some policies, this may include a pre-existing medical condition stability clause or limitation*. Refer to your policy for details.

*You may have coverage if the symptoms or complications meet the Minor Ailment definition in your policy.

Does my policy provide coverage for the costs related to the new requirements to quarantine due to COVID-19 when I return to Canada?

No, coverage is not available for expenses related to COVID-19 quarantine requirements upon returning to Canada. While our travel insurance policies include emergency medical coverage for COVID-19, our policies do not cover a trip interruption or delay (such as requirements to quarantine, etc.) if it’s related to COVID-19, because the travel advisory for COVID-19 was in effect before you departed and/or all Trip Cancellations, Trip Interruptions and Delays related directly or indirectly to COVID-19 are excluded.

If I choose to receive the COVID-19 vaccine at my trip destination, will the costs of the vaccination and/or any complications arising from it be covered?

Your coverage does not include expenses for a vaccination as it’s not being provided as a result of a medical emergency. However, Emergency Medical Insurance benefits are now available for a medical emergency arising from a COVID-19 vaccination you receive on your trip. This change does not apply to complications from other vaccines or other non-emergency treatment.

When will I receive my new travel insurance policy?

For customers with a policy that was originally scheduled to end on August 31, 2020, new policy documents have been sent. Please contact us if you haven’t received your new policy documents.

The Government of Canada is requiring that Canadians re-entering the country must provide a COVID-19 negative test result 72 hours prior. Am I covered for any expenses related to the test?

No, coverage is not available for expenses related to a COVID-19 test as it’s not being provided as a result of a medical emergency.

Disclaimer

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. Home and car policies underwritten, and claims handled, by Royal & Sun Alliance Insurance Company of Canada (“RSA”) in Quebec and underwritten exclusively, and claims handled, by Unifund Assurance Company (“UAC”) in the rest of Canada. Described coverage and benefits applicable only to policies underwritten by UAC. Car insurance not available in BC, SK or MB. Home and car insurance not available in NU. JI, RSA and UAC share common ownership. Eligibility requirements, limitations, exclusions, additional costs and/or restrictions may apply.

 

†Claims Point, Claims Point & Design, and related words and logos are trademarks and the property of RSA Insurance Group plc, licensed for use by Royal & Sun Alliance Insurance Company of Canada and Unifund Assurance Company.

 

®“Global Excel” and the Global Excel logo are registered trademarks of Global Excel Management Inc.