rbc travel insurance number

Sign In to Avion Rewards

Sign in with:

If you have a personal credit card or deposit account, you need to enrol in RBC Online Banking to enjoy Avion Rewards. It’s easy and secure.

Important travel updates and what you need to know

Last Updated: June 27, 2023

Attention: Important Travel Updates

To get the most recent update on your flight status, visit the website of the airline you are travelling with. You’ll need your booking reference number (airline confirmation) on your itinerary to access your flight information.

If you’d like to manage or change your existing booking, please log into Avion Rewards Travel . Once you are in the travel portal click the blue “Help” button at the bottom right corner to make changes or cancel your booking.To cancel or change your trip details:

• Go to Avion Rewards Travel
• Select "My Trips" in the top right corner
• Select your upcoming trip and click “Manage booking”
• Choose “Cancel Flight”, “Change Flight”, or “Change Reservation” and follow the instructions
• To book new travel using Avion points

To book a new flight using an airline travel credit

Airline travel credit rules to remember, insurance policies, cwt vacations update, rbc avion visa infinite privilege for private banking cardholders: new travel advisor service details, to book new travel using avion points:.

Book through Avion Rewards Travel or contact the Avion Rewards Travel Call Centre at 1-877-636-2870 (additional service fees apply).

If you have an airline credit due to a flight cancellation that you’d like to use, contact the Avion Rewards Travel Call Centre at 1-877-636-2870.

Be sure to have the following ready when you call:

• Itinerary number of the original booking
• Travel credit amount
• Traveller name(s)
• Details of your new flight options, including flight numbers for your preferred outbound and/or inbound flights
• Each airline sets their own policy for how you can redeem your credit
• If you use an airline travel credit for a ticket to a destination in a different jurisdiction or region than the original booking, you may incur additional taxes and fees. Applying the credit to a new set of taxes and fees vary based on airline policy. Our agents can’t waive them.
• Some airlines may require you to use the entire credit value at once to receive the full value. Please contact Avion Rewards Travel Call Centre at 1-877-636-2870 for more information
• Airline credits (including taxes and fees) can only be used for air travel with the airline you originally booked with. They cannot be used for other services such as checked bags, upgrades, etc.
• Each airline credit is in the original traveller’s name; you can’t combine airline credits or transfer them to another person
• Airline credits have a travel-by date (sometimes called credit validity)
• When planning to travel, please check your airline’s website for possible changes to your flight experience and any new passenger requirements. Many airlines are making temporary changes to prioritize traveller safety

For credit card insurance coverage, refer to your travel insurance policy/certificate for further details. For other travel insurance, please contact your travel provider directly.

Trip Cancellation and Interruption insurance coverage included with your RBC credit card provides coverage for trips that are paid in full with your RBC credit card (and/or Avion points). Trips booked using a travel credit/voucher are not covered, even if originally purchased on your RBC credit card. Please consider your options, such as purchasing travel insurance when using a travel credit/voucher. If you require assistance or have questions about your coverage, please contact Assured Assistance Inc .

Effective July 31, 2022, you are no longer able to redeem your Avion Points at CWT Vacations locations.

Please contact the location where you originally booked your travel unless otherwise advised. Please refer to the travel advisor contact information on the invoice or email provided to you when you made your original reservation.

CWT Harvey’s Travel will service your existing CWT Vacations’ booking. You can contact CWT Harvey’s Travel by calling at the same number (1-866-926-4070).

Your new travel advisor service is provided by Avion Rewards Travel Concierge for Private Banking . To book travel, call 1-888-ROYAL 8-5, choose a language, select Travel (option 2), then select Travel Concierge for Private Banking (option 2).

Making changes to existing bookings with CWT Vacations

CWT Vacations will continue to service existing bookings. You can contact CWT Vacations at 1-888-ROYAL 8-5, select language and option 2 and 3.

RBC Emails : Please know that RBC will never ask you to provide, confirm or verify personal, login or account information through regular email, text message, phone calls or when signing into an online service. Please disregard any emails or text messages requesting that you reply with confidential information. If you have received a suspicious message from RBC, please forward it to [email protected] .

Supporting Clients Impacted by COVID-19

We remain committed to keeping you informed about actions we’re taking, to support you during this time. Get important information on the support and assistance RBC has made available to help you as we focus on keeping clients and employees safe during this difficult time.

• Contact Customer Service
• Call 1-800-769-2553
• Locate a No-Fee 2 U.S. ATM
• RBC Bank (U.S.) Online Banking
• RBC Royal Bank Online Banking

Cross-Border Discover & Learn

Traveling beyond your province or territory protect yourself with travel insurance 9 ..

When your travels take you far from home in Canada, even a minor accident or sickness can become a major expense and a costly inconvenience—especially since the coverage you have may not fully protect you, whether that’s your provincial health plan, protection offered through your credit card or coverage through your employer. 

Your Government Health Insurance Plan (GHIP) typically covers only a limited portion of your medical expenses once you leave the country and your province. For example, a four-day stay in a U.S. hospital for an appendectomy could cost $39,400 (USD), with only $1,600 (CAD) covered by your GHIP. And a one-day stay in a U.S. hospital for a broken arm could cost $32,600 (USD), with only $400 (CAD) covered by your GHIP. 

Coverage offered through your credit card 9 and employer, while valuable, may only cover specific scenarios and not offer the comprehensive protection you will want while you’re away from home.

Travel insurance can cover your entire family for the duration of your trip, and family pricing is generally available to help you save on the coverage you need. If you travel regularly, a multi-trip annual travel insurance plan that can offer protection for a full year, regardless of the number of times you travel, is a smart option to consider.

RBC Insurance – Travel Insurance that offers more coverage in more places ™ RBC Insurance offers the travel coverage you need, as well as 24/7 access to a caring team of medical professionals – no matter how big or small your emergency. Here are some of the reasons we recommend RBC Insurance to our clients:

• 24/7 worldwide emergency travel assistance through a toll-free emergency help line
• Multilingual assistance from caring professionals – ready to help you wherever you are in the world
• Best in class claims service, with knowledgeable claims and service advisors available to you
• Registered nurses and consulting physicians available 24/7

Most Recent

Frequently Asked Questions

Eligibility.

Will my age affect my coverage eligibility?

Generally speaking, no. While your age can affect the type of coverage you can buy, we have packages and plans that cover all age groups. If you are age 65 or older, we may ask you to answer a few questions about your health to ensure you have the appropriate coverage in place.

Will a pre-existing medical condition affect my coverage?

Possibly. Depending on your age, condition and, if applicable, your answers to our health questions, pre-existing medical conditions (opens modal window) are covered if they are stable (opens modal window) for a certain time period (as specified in your insurance document) before your insurance effective date.

• If you are under age 65: pre-existing conditions are covered if they have been stable for at least 90 days before your insurance effective date.
• If you are over age 65: for our TravelCare ® Package and our TravelCare ® Medical Plan, we use your answers to our health questions to determine the TravelCare category you are eligible to purchase. These categories include: Gold, Silver and Bronze. Each category offers different coverage exclusions for pre-existing conditions (opens modal window) .

Note: Please refer to the insurance documents for complete coverage details regarding pre-existing conditions.

What do I need to know about completing the health questions?

Your answers to the health questions (if applicable) will place you into one of three categories and form part of your insurance.

When answering the health questions:

• Be sure to take your time. The health questions may take up to 10 minutes to complete.
• If someone else completes the health questions on your behalf, keep in mind that it is still your responsibility to sign the form and make sure the answers are correct.
• Please read each question carefully as incorrect answers will lead to cancellation of your coverage and the denial of your claim.
• Have your prescriptions or a description of your medication nearby for reference.
• Please review the answers you have provided to the health questions to confirm that they are correct.
• If you are unsure about any questions regarding your medical condition (opens modal window) or medications, please speak to your physician.

Is it okay for a relative to complete the health questions on my behalf?

If necessary, you may have someone else complete the health questions on your behalf. Please keep in mind, however, that it is still your responsibility to sign the form and make sure the answers are correct.

My child is travelling with me. Do I need to buy separate coverage for him or her?

This answer depends mainly on the child's age.

• If your child is under 2 years old and you are purchasing the Deluxe Package or a TravelCare Package, then your child receives emergency medical coverage at no extra cost.
• If your child is 2 or older , you'll need to purchase emergency medical coverage for him or her.
• No matter how old your child is , if you've purchased an airline ticket or made a separate trip deposit for him or her, you may wish to buy a travel insurance package that contains trip cancellation and interruption insurance as well as baggage and personal effects insurance.

My parents are travelling. Can I buy insurance on their behalf?

Yes, you may purchase insurance on behalf of your parents. Depending on their age, they may be required to complete health questions in order to obtain coverage. If this is not a requirement, please keep in mind that all terms and conditions apply to your parents, therefore we recommend that you review the insurance with them prior to purchase.

Which travel insurance package or plan is right for me?

The appropriate coverage for your trip depends on several factors, including (but not limited to) where you're travelling to, how long you will be gone, the kind of transportation you'll be using and, in some instances, your health condition.

Doesn't my credit card cover me when I travel?

It might, and it might not. We recommend that you carefully review the travel insurance coverage that your credit card provides, as well as any conditions or stipulations. You may also wish to speak with your Credit Card company.

Doesn't my government health plan cover me when I'm travelling in the U.S. or Canada?

We recommend that you carefully review your government health plan coverage. Government plans may not cover all emergency medical expenses once you leave your home province/territory and typically cover only a limited portion once you leave the country. In fact, the Canadian Government (Consular Services, Foreign Affairs and International Trade Canada) urges all Canadians to purchase supplemental health insurance when leaving the country. They say:

Do not rely on your provincial or territorial health plan to cover costs if you get sick or are injured while abroad. Out-of-country healthcare can be costly, and your health plan may not cover any medical expenses abroad. It is your responsibility to seek information from your provincial or territorial health authority and to obtain supplementary travel insurance and understand the terms of your insurance. Disclaimer 2

Plus, government health insurance plans don't guarantee coverage for special care (air ambulance or emergency dental services, for instance).

Unlike government health insurance plans, our insurance offers you:

• Unlimited coverage for eligible medical expenses Disclaimer 1
• Up-front payment of eligible medical expenses whenever possible
• 24-hour, multilingual emergency medical assistance—one toll-free phone call puts you in touch with a multilingual professional who will refer you to a local doctor or facility in order for you to receive the care you need. Government health insurance plans also don't provide coverage for situations such as lost, damaged or delayed baggage or trip cancellation and interruption. Our travel insurance can provide these coverages and more.

Why do I need travel medical insurance when I travel abroad?

An accident, illness or emergency can happen anywhere. If you need medical care in another country, your government health plan may pay only a portion of the costs. Travel insurance starts where these plans leave off.

Plus, with our emergency medical coverage, you have access to the multilingual representatives of Allianz Global Assistance.

Because our representatives are multilingual and have 24-hour access to real-time translation services, we can provide the help you need in your own language—and also have someone to communicate on your behalf with medical personnel who may speak a different language.

Here for you 24 hours a day, seven days a week, our representatives are experienced experts in coordinating emergency care for travellers in foreign lands.

Whenever possible, Allianz Global Assistance will also request for the medical service provider within the network to bill the covered medical expenses directly to us instead of you—reducing stress and hassle.

When should I purchase my travel insurance?

You must purchase coverage before departing on your trip. You may benefit from purchasing coverage when you make your initial trip deposit, especially if you are purchasing insurance that includes trip cancellation and interruption coverage.

For example, consider the fact that more than half of Canadian travellers book their trips at least 6 months in advance. Disclaimer 2 Then consider the unpredictable things that might happen in that time.

Am I covered if I participate in any sports during my trip?

There are various sports that are not covered during your trip, all of which are described in more detail under the General Exclusions section of the insurance documents.

Can I extend my emergency medical coverage if I extend my trip?

You may extend your coverage if you extend your trip, subject to certain conditions of your insurance.

If you've purchased a single-trip plan, the following conditions apply:

• If you have not had a medical condition (opens modal window) during your trip or while covered under your insurance, you can request an extension by contacting us before the expiry date of your original insurance.
• If you have had a medical condition (opens modal window) during your trip and while covered under your insurance, you must request the extension by contacting Allianz Global Assistance before the expiry date of your original insurance. Your extension is subject to the approval of Allianz Global Assistance.
• You must pay the required additional premium before the expiry date of your original insurance.

If we cannot extend your particular insurance coverage due to the trip duration limits of your insurance, you may be able to purchase a new insurance coverage from us.

If you've purchased a multi-trip annual plan, the following conditions apply:

You may purchase top-up coverage for the additional number of days beyond the duration covered by your multi-trip annual plan as follows:

• Before your effective date, you may contact us to purchase top-up coverage.
• After your effective date and if you have not had a medical condition (opens modal window) during your trip, you must contact us before the expiry date of your original insurance to purchase top-up coverage.
• After your effective date and if you have had a medical condition (opens modal window) during your trip, you must contact Allianz Global Assistance before the expiry date of your original insurance to request approval for and to purchase top-up coverage.
• The terms, conditions and exclusions of the new top-up insurance apply to you.
• You must pay the required top-up premium on or before the effective date of the top-up period.

If you do NOT top up your coverage for a trip, you will not be covered for any claims you make outside the period of insurance for that trip. If the top-up coverage you are purchasing requires you to complete health questions, you must complete the health questions.

Please see the insurance documents for complete coverage details regarding trip extensions.

I bought a multi-trip annual plan, but one trip I'm planning will extend past the ending date of my coverage. How can I ensure I'm covered for the added days I'm travelling?

You may purchase top-up coverage for the additional number of days beyond the duration covered by your multi-trip annual plan. Here are the conditions:

• After your effective date and if you have not had a medical condition (opens modal window) during your trip, you must contact us before the expiry date of your original coverage to purchase top-up coverage.
• After your effective date and if you have had a medical condition (opens modal window) during your trip, you must contact Allianz Global Assistance before the expiry date of your original insurance coverage to request approval for and to purchase top-up insurance coverage.
• The terms, conditions and exclusions of the new top-up coverage apply to you.

Please see the insurance documents for complete coverage details regarding top-up coverage.

Can I purchase emergency medical coverage for a single trip that is longer than 183 days?

If you purchase one of our travel medical insurance plans—either Classic Medical or TravelCare ® Medical—you can, prior to the insurance’s expiration date and subject to certain conditions. Please contact us.

Do you offer family prices?

Yes, emergency medical coverage for family members under 65 years of age is available with our Classic Medical Plans (single-trip or multi-trip annual). This coverage insures you and your partner/spouse and/or children when they travel with you or join you during your trip. You may insure your natural and adopted children and stepchildren under this plan if they meet one of the following criteria:

• They are unmarried and under the age of 21
• They are unmarried, over 20 years old and have a mental or physical handicap
• They are unmarried, under 26 years old and are full-time students

Family pricing is also available under Deluxe Package Single Trip, Non-Medical Package and our Travel Within Canada Package.

Why is trip cancellation and interruption insurance important?

Your trip probably represents a significant investment. Plus, you may be among the 51% of Canadian travellers who book their trips at least 6 months prior to departing. Disclaimer 2 A lot can happen in that time—if a medical emergency or other unfortunate event prevents you from going on your trip, you may lose some (or possibly all) of the money you paid.

With trip cancellation and interruption insurance, you're protected when a specified situation prevents you from travelling as planned. Examples include:

• You can't travel due to an illness, job loss or immediate family member's medical emergency
• You need to return home earlier than scheduled because of a family emergency or medical condition (opens modal window)
• And more—our travel insurance packages provide trip cancellation and interruption insurance coverage for many specified situations

Note: We strongly recommend that you purchase this insurance at the time you pay your initial travel deposit. Please see the insurance documents for complete coverage details, including terms and conditions.

Do I really need to read my travel insurance document?

We strongly recommend that you do. Your insurance document is a valuable source of information and contains provisions that may limit or exclude coverage. Please read it before you go, keep it in a safe place and carry it with you when you travel.

Legal Disclaimer 1) 1) This insurance is subject to a maximum of $20,000 if you do not have valid government health insurance plan coverage in force for the full length of your trip. Please read the policy for all terms and conditions.

Legal Disclaimer 2) "Bon Voyage, But... Essential Information for Canadian Travellers." http://travel.gc.ca (opens new window) . Government of Canada. Foreign Affairs, Trade and Development Canada. http://travel.gc.ca/travelling/publications/bon-voyage-but#before (opens new window) . March 2, 2015. Web. October 8, 2015.

Medical Condition

Any disease, illness or injury (including symptoms of undiagnosed conditions).

For insurance purposes, “ stable ” is defined as any medical condition when all of the following statements are true:

• there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment ), and
• there has not been any change to any existing prescribed drug (including an increase, decrease, or stoppage to prescribed dosage), or any recommendation or starting of a new prescription drug , and
• the medical condition has not become worse, and
• there has not been any new, more frequent or more severe symptoms, and
• there has been no hospitalization or referral to a specialist, and
• there have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
• there is no planned or pending treatment .

All of the above conditions must be met for a medical condition to be considered stable .

TravelCare ® Categories - Pre-existing Medical Conditions Exclusions

The chart below lists the benefits and exclusions related to pre-existing medical conditions for each TravelCare category.

(We use your completed medical questionnaire to determine the TravelCare category you are eligible to purchase.)

• Travel Insurance
• RBC Insurance Travel Insurance Review

The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive payment from the companies that advertise on the Forbes Advisor site. This comes from two main sources.

First , we provide paid placements to advertisers to present their offers. The payments we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market.

Second , we also include links to advertisers’ offers in some of our articles. These “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor.

While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

RBC Insurance Travel Insurance Review 2024

Updated: Feb 28, 2024, 7:33am

Reviewed By

Whether you’re planning a dream vacation, snowbird getaway, destination wedding or cruise, RBC Insurance has a travel insurance plan to suit your needs. With unlimited emergency medical coverage, a full suite of travel insurance plans and a package geared towards mature travellers, RBC offers peace of mind in case of a travel emergency. While the included trip benefits are lower than other plans, the available package upgrade rider sweetens the offer.

• Unlimited emergency medical coverage
• Coverage for pre-existing conditions
• Package upgrade available
• No CFAR coverage
• Expensive for travellers over age 65
• No app for easy claim submission

Table of Contents

About rbc insurance travel insurance, what travel insurance does rbc insurance offer, rbc insurance travel insurance plans, summary: plan comparison, rbc insurance travel insurance cost, comparing rbc insurance travel insurance with other insurers, optional add-ons for rbc insurance travel insurance, does rbc insurance travel insurance offer any discounts, does rbc insurance travel insurance offer annual multi-trip plans, rbc insurance travel insurance 24/7 travel assistance, does rbc insurance travel insurance have cancel for any reason (cfar), does rbc insurance travel insurance have interruption for any reason (ifar), rbc insurance travel insurance and pre-existing medical conditions, rbc insurance travel insurance exclusions, rbc insurance travel insurance eligibility, how to file a claim with rbc insurance travel insurance.

RBC Insurance is the brand name for the operating entities of Royal Bank of Canada—Canada’s biggest bank. RBC Insurance offers a range of insurance options, including life, health, home, auto and travel to individual, business and group clients.

RBC Insurance is underwritten by RBC Insurance Company of Canada.

Here are the key types of travel insurance coverage offered in RBC Insurance travel 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, such as you or your travelling companion becoming ill, weather conditions causing a massive delay or you losing your job,  trip cancellation insurance can reimburse you for prepaid, non-refundable costs.
• Travel interruption or delay insurance: Trip interruption insurance can pay for a last-minute flight home in an emergency and reimburse money that you lose by cutting a trip short, such as non-refundable activities and hotel stays. If your flight is delayed , your insurance can cover the cost of incidentals, such as meals or accommodations, after a specified period of time, such as 10 or 12 hours.
• 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 anything is 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.

RBC Insurance Travel Insurance offers three packaged plans for travelling outside of Canada:

Deluxe Package: This is the most comprehensive plan offered by RBC Insurance. It includes coverage for unforeseen medical emergencies, trip cancellation and interruption, flight and travel accidents, and baggage loss, damage and delay.

Emergency medical treatment includes:

• Hospital accommodation in a semi-private room
• Services of a legally licensed physician, surgeon, anaesthetist or nurse
• Private duty nursing
• Ground or air ambulance
• Rental or purchase of a hospital bed, wheelchair, brace, crutch or any other medical appliance
• Diagnostic tests
• Prescription drugs and medication
• Paramedical services, such as care from a chiropractor, osteopath, physiotherapist, chiropodist or podiatrist, up to $300 per profession
• Ambulance transportation
• Emergency dental due to a blow to the face (emergency expenses covered during your trip, plus $1,500 when you return home)
• Emergency dental due to pain, up to $300

Medical benefits also include coverage to bring someone to your bedside, expenses for meals, hotel accommodations and associated expenses if a medical delay prevents you from returning home, repatriation expenses, return of your remains if you die and a hospital allowance for expenses such as parking and TV rental.

Non-Medical Package: If you have medical coverage elsewhere, such as a RBC travel credit card , this covers trip cancellation and trip interruption, flight and travel accidents, and baggage loss, damage and delay.

TravelCare Package: For travellers over age 75, this package includes coverage for unlimited emergency medical, trip cancellation and interruption, baggage loss, damage and delay, and flight and travel accidents. Pre-existing conditions may also be covered depending on your answers to a medical questionnaire and the TravelCare category for which you qualify. There are three TravelCare categories: Gold, Silver and Bronze. Travellers with a score of zero on the questionnaire will be assigned to the Gold category that stipulates a 90-day stability period for pre-existing conditions. Travellers with median scores (between 5 and 35) will be assigned to the Silver category that requires a 180-day stability period, while travellers with the highest scores (40 and over) will be assigned to the Bronze category that requires a 365 day stability period. Here are some examples of questions and the related scores:

• Have you ever, in your lifetime, been diagnosed with any heart conditions? (No= 0, Yes = 20)
• In the last 12 months have you received or has your physician recommended chemotherapy or radiation therapy for any cancer condition? (No = 0, Yes = 5)
• In the past 12 months, have you used or been prescribed oxygen? (No = 0, Yes = 40)

Family plan pricing is available for both the Deluxe Package and Non-Medical Package.

When you go through the quote process, RBC Insurance also offers prices for basic Cancellation and Interruption Insurance and Classic Medical insurance.

We’ve highlighted key benefits of RBC Insurance Travel Insurance for the single trip plans to help you identify which coverage is the best fit for you.

The price of a RBC Insurance travel insurance plan depends on factors such as the cost of your trip, your age and the amount of coverage you choose.

Here are some examples of the cost for RBC Insurance travel insurance single trip plans for healthy travellers based in Ontario.

Emergency medical: $5 million Cancel For Any Reason: Yes, 50% to 75% Baggage insurance (maximum): $1,500

Related: CAA Travel Insurance Review

TD Insurance

Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000

Related: TD Insurance Travel Insurance Review

Manulife Financial

Emergency medical: $10 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000

Related: Manulife Financial CoverMe Travel Insurance

RBC Insurance offers a Package Upgrade Rider that can be purchased in conjunction with any of the packaged single trip or multi-trip options. It can not be purchased on its own. Here are the main benefit upgrades offered by this add-on:

Yes. You can buy multi-trip annual insurance if you travel more than once a year for multiple individual trips. RBC Insurance offers the Deluxe Package and the TravelCare Package for nine, 16 or 30 days. There is no multi-trip option for the Non-Medical Package. If you stay longer than the number of days you purchased, you can purchase a top-up.

Here’s how the prices between single-trip and multi-trip insurance for 16 days compare:

Worldwide emergency medical assistance is available 24/7 by calling RBC’s claims and assistance partner Allianz Global Assistance. When you have a medical emergency, the following support may be available:

• Referral to a recommended medical service provider near you
• Transportation to a suitable facility for medical treatment to stabllize or treat your medical condition
• Confirmation of coverage and direct payment of fees to the recommended medical service provider
• Consultation with your attending physician to monitor your care
• Monitoring of the appropriateness, necessity and reasonableness of care to ensure expenses will be covered

If you don’t call Allianz Global Assistance first, your benefits may be reduced and your coverage may be limited to 70% of your medical expenses under your insurance plan, meaning you’ll be financially responsible for 30% out of pocket.

RBC Insurance will not pay any medical expenses related to a medical condition that is not stable for a set period of time before your coverage takes effect, either 90, 180 or 365 days depending on your answers to a medical questionnaire that will assign you to one of three TravelCare categories: Gold, Silver or Bronze.

According to RBC Insurance, a medical condition is considered stable when all of the following are true:

• There has been no new treatment prescribed or recommended or any change in existing treatment, including a stoppage
• There has not been any change in medication, or any recommendation for or starting of a new prescription drug
• The medical condition has not become worse
• There has not been any new, more frequent or more severe symptoms
• There has been no hospitalization or referral to a specialist
• There have not been any tests, investigation or treatment recommended but not yet complete, nor any outstanding test results
• There is no planned or pending treatment

In addition, RBC Insurance will not cover:

• Any heart condition that is not stable in the 90, 180 or 365 days before your trip
• Any heart condition for which you’ve had to take nitroglycerin for angina pain in the 90, 180 or 365 days before your departure date
• Any lung condition that is not stable in the 90, 180 or 365 days before your trip
• Any lung condition for which you’ve been treated with or prescribed home oxygen, prednisone or prednisolone in the 90, 180 or 365 days before your departure date

There are a number of scenarios not covered by travel insurance and it’s critical to know what not to do before you make a claim only to be told you’re on the hook for all associated costs. The following are some of the most common issues not covered by travel insurance:

• A claim against an unstable pre-existing medical condition
• The continued treatment of a medical condition on once the emergency period has ended
• Your self-inflicted injury, suicide or attempted suicide
• Any claim related to a criminal offence or illegal act
• Any medical condition arising from the abuse of drugs, alcohol or other intoxicants, or withdrawal from drugs, alcohol or other intoxicants
• Any medical condition that is the result of you not following prescribed treatment
• Any claims related to non-emergency, experimental or elective treatment, such as cosmetic surgery, chronic care or rehabilitation
• Your participation in a sport as a professional athlete
• Your participation in rock climbing or mountain climbing
• Your participation in a motorized race or speed contest
• A trip made for the purpose of obtaining a diagnosis, treatment, surgery, investigation, palliative care, or any alternative therapy
• Any claim related to pre-natal or post-natal care
• Any claim related to a child born on the trip, or any claim related to pregnancy, delivery or complications of either arising nine weeks before or after your expected due date
• Any claim which would have caused a prudent person to seek medical treatment in the 90 days before your effective date
• Any claim incurred after a physician advised you not to travel
• Any claim related to a government travel advisory for “Avoid all non-essential travel” or “Avoid all travel”
• Any expenses from orbital space flights, sub-orbital space flights and space tourism

To be eligible for RBC Insurance travel insurance coverage, the following must apply:

• You must be a Canadian resident
• You must be under 60 years of age and travel for 183 days or less
• You must be 60 years of age or older and under 75 years of age and travel for 60 days or less
• Have correctly completed the medical questionnaire if the non-refundable portion of your trip costs exceed $15,000
• Be covered under your government health insurance plan, or your insurance maxes out at $20,000 in coverage

You can file a claim by visiting the RBC Insurance travel insurance website where you can obtain an emergency medical or cancellation and interruption claim form. You can complete the document(s) digitally and then submit it and all required documentation through the online claim submission page.

If you are making an emergency medical claim, documentation may include:

• Original of all bills, invoices and receipts
• Proof of payment by your government health insurance plan and payment from any other insurer or benefit plan
• A complete diagnosis from the physicians and/or hospitals who provided the treatment including verification that the treatment was medically necessary
• For accidental dental expenses, proof of the accident

For a trip cancellation and trip interruption claim, you may be asked to provide:

• A medical document stating why travel was not possible
• Written evidence of the covered reason that caused the cancellation, interruption or delay
• Tour operator terms and conditions
• Complete original unused transportation tickets, vouchers, cruise shore excursion or special ticket events
• Receipts for the prepaid land arrangements and/or out of pocket expenses
• Original passenger receipts for new tickets
• Reports from the police or local authorities documenting the cause of a missed connection
• Detailed invoices and/or receipts from the service provider(s)

If you are making a baggage loss, damage and delay insurance claim, you will need to provide:

• Proof of loss/damage (copies of reports made to the authorities), proof of ownership and receipts for the items claimed in the event of loss or damage
• Proof of delay and receipt for purchases or necessary toiletries and clothing in the event of a delay

If you are making a flight and travel accident insurance claim:

• Police reports, medical records, death certificate, autopsy report or coroner’s report

You must file a claim within 90 days of return to your departure point.

RBC Insurance Travel Insurance FAQs

Does rbc insurance pay for medical costs upfront.

According to the company, the payment of eligible medical services will be coordinated through RBC Insurance, communicated with your medical provider and billing arrangements “will be discussed.” The insurer notes that pay assistance “may not be available from certain medical service providers for reasons beyond our control.”

Does RBC Insurance offer coverage extensions?

Yes. Your coverage is automatically extended for 72 hours starting on the final day of your trip due to a transportation delay. If you or your travelling companion are hospitalized, your coverage is extended for the period of hospitalization, plus up to five days after discharge. If you or your travelling companion is unfit to travel due to a medical emergency that does not require hospitalization, your coverage is automatically extended for up to five days.

You can also request an extension if you want to stay longer on your trip, provided you apply before the expiry date of your policy and you haven’t made any claims or you’re not currently seeking treatment. If the extension is not available, you may be able to purchase a new policy.

Does RBC Insurance cover COVID-19?

The emergency medical coverage provides for medical expenses related to COVID-19 as long as there are no “Avoid all travel” or “Avoid all non-essential travel” advisories issued by the Canadian government on the day you depart on your trip. RBC Insurance will not pay trip cancellation or interruption benefits if you are required to cancel your trip for a reason related to COVID-19 unless:

• You get sick with COVID-19 and it prevents you from travelling as planned • Your spouse and/or children become sick with COVID-19 and prevents you from travelling as planned

Does RBC Insurance require a medical questionnaire?

Yes. Travellers age 65 and over must complete a comprehensive medical questionnaire that asks questions about your eligibility for insurance.

If it’s discovered that you did not answer the questions truthfully or there are any errors, this may void your plan and/or your claim may be denied.

Also, regardless of age, if the non-refundable portion of your pre-paid travel expenses exceeds $15,000, you will be required to complete the medical questionnaire.

Does RBC Insurance have any age restrictions?

If you are between 60 and 75 years old, the maximum number of travel days is 60 days. Also, travellers over age 65 need to quote and buy insurance separately even when travelling together. The Deluxe Package is available for travellers aged 0 to 74 for single trip plans and age 0 to 64 for multi-trip plans. The TravelCare Package is available for travellers age 75 and over for single trip plans and age 65 and over for multi-trip plans. The Non-Medical Package is available for all ages.

When does my coverage with RBC Insurance begin?

In general, if you purchase cancellation coverage, it begins the day you buy your policy and ends the day when you make a claim or leave on your trip. Your interruption coverage, if purchased, begins when you leave home. Your delay coverage begins once an insured risk prevents you from returning home as scheduled.

Does RBC Insurance offer a free look period?

Yes. RBC Insurance offers a 10-day “Free Look” period where you can review your policy and decide to cancel it within 10 days of purchase if you have not already left for your trip and there is no claim in progress or you have not experienced an event that would cause you to submit a claim.

Can I get a refund with RBC Insurance?

Refunds after the 10 day “Free Look” period are not permitted unless:

• The supplier (tour operator, airline, etc.) cancels your trip and all penalties are waived • The supplier changes the travel days and you are unable to travel on these dates and all penalties are waived • You cancel your trip before any cancellation penalties are in effect

Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

• Goose Travel Insurance Review
• CAA Travel Insurance Review 2023
• TuGo Travel Insurance Review
• Blue Cross Travel Insurance
• Manulife Financial CoverMe Travel Insurance
• World Nomads Travel Insurance Review
• Medipac Travel Insurance Review
• TD Insurance Travel Insurance Review
• Johnson MEDOC Travel Insurance
• Allianz Global Assistance Travel Insurance
• TD Bank Travel Insurance
• CUMIS Travel Insurance Review
• AMA Travel Insurance
• GMS Travel Insurance Review
• CIBC Travel Insurance Review
• BMO Travel Insurance Review
• Desjardins Travel Insurance Review
• Travelance Travel Insurance
• Scotia Travel Insurance Review
• How To Get Pre-Existing Conditions Covered By Travel Insurance
• Should You Buy Travel Insurance And Is It Worth It?
• Why Travel Medical Insurance Is Essential

Do I Need Travel Insurance When Travelling Within Canada?

• Trip Cancellation Travel Insurance
• How To Get Reimbursement For A Travel Insurance Claim
• Do Canadian Travellers Need Schengen Visa Insurance?
• How Travel Insurance Works For Baggage
• How To Travel To The U.S. From Canada
• Do You Need Annual Multi-Trip Travel Insurance?
• Travel Insurance For Trips To Europe
• What Travel Insurance Does Not Cover
• Top 10 Travel Insurance Tips For 2023
• Travel Insurance For A Mexico Vacation
• How To Read The Fine Print Of Your Travel Insurance Policy
• 5 Top Tips For Handling Flight Cancellations Like A Pro
• What Does Travel Delay Insurance Cover?
• Advantages Of Buying Travel Insurance Early
• Travel Insurance For U.K. Trips
• Travel Insurance For Trips To Italy

More from  

$10 etias travel pass for europe visits pushed to 2025, what’s the purpose of an etias travel authorization, bcaa travel insurance review 2024, pacific blue cross travel insurance review 2024, cumis travel insurance review 2024.

• Bad Credit Loan
• Debt Consolidation
• Home Improvement Loan
• Installment Loan
• Private Loan
• Unsecured Loan
• Car Leasing
• Car Loan Refinance
• Secured Car Loan
• Car Title Loan
• Unsecured Car Loan
• Bridge Mortgage
• Commercial Mortgage
• First Time Homebuyer Mortgage
• Home Equity Loan
• Investment Property Mortgage
• Mortgage Refinancing
• Business Expansion Loan
• E-Commerce Business Loan
• Equipment Financing
• Merchant Cash Advance
• Start-Up Business Loan
• Working Capital Loan
• Critical Illness Insurance
• Disability Life Insurance
• Mortgage Life Insurance
• Senior Life Insurance
• Term Life Insurance
• Whole Life Insurance
• Apartment Insurance
• Basement Suite Insurance
• Condo Insurance
• Detached Home Insurance
• Rental Insurance
• Townhouse Insurance
• Errors and Omissions Insurance
• Office Insurance
• Personal Trainer Insurance
• Professional Liability Insurance
• Retail Insurance
• Yoga Insurance
• Holographic Wills
• Living Will
• Online Will
• Joint Wills
• Kitten Insurance
• Puppy Insurance
• Cat Insurance
• Dog Insurance
• More Services
• National Bank
• Apollo Insurance
• More Brands
• Best Simplii Chequing Accounts
• Best Coast Capital Chequing Accounts
• Best National Bank Chequing Accounts
• Best CIBC Chequing Accounts
• Best BMO Chequing Accounts
• Best Coast Capital Savings Accounts
• Best EQ Bank Savings Accounts
• Best National Bank Savings Accounts
• Best BMO Savings Account
• Best CIBC Savings Accounts
• EQ Bank Review
• Tangerine Bank Review
• Coast Capital Review
• CIBC Review
• National Bank Review
• More Accounts
• KOHO Prepaid Mastercard
• Neo Reward Card
• Tangerine Money-Back Credit Card
• AMEX Business Platinum Card
• Loop Corporate Card
• Jeeves Business Credit Card
• Balance Transfer
• Low Interest
• American Express
• Crypto Apps
• Crypto Exchanges
• Crypto Wallets
• CoinSmart Review
• Bitbuy Review
• Netcoins Review
• Binance Review
• Nexo Review
• More Crypto Reviews
• More Crypto
• The Motley Fool Canada
• CIBC Investor’s Edge Review
• Qtrade Review
• Addy Review
• Questrade Review
• Silver Gold Bull Review
• More Investments
• Personal Loan
• Business Loan
• Life Insurance
• Home Insurance

RBC Travel Insurance Review (July, 2024) – Pros, Cons, Features, Pricing

You need to read this RBC travel insurance review if you want one-cover-all travel insurance coverage. The Royal Bank of Canada (RBC) is a household name in Canada. They’ve got more than 150 years of experience catering to the needs of Canadians.

Editorial Note: Comparewise is supported by our readers. When you find products and services through links on our site, we may earn commission.

RBC Travel Insurance

• 24/7 access to a caring team who’s always on call
• More Coverage In More Places®
• Coverage for the widest range of unexpected travel situations

Get out there and enjoy yourself knowing you have the right coverage - Claim this offer

The RBC travel insurance review shows that RBC offers comprehensive and practical travel insurance. Their travel insurance is available 24/7 to both young and old Canadians, with numerous packages to choose from.

There is a deluxe package, a non-medical package, a classic medical package, a TravelCare package, and a TravelCare medical package. Alternative insurance coverages include Manulife, Scotiabank, and TD Travel Insurance.

In this review, you’ll learn the merits and demerits of choosing RBC insurance and how to go about applying for one.

What makes RBC Travel Insurance a good option?

In this section of the RBC travel insurance review, you’ll learn various reasons why this insurance coverage is a good option.

Comprehensive Insurance Options

The Royal Bank of Canada has many years of experience offering travel insurance solutions. So, their travel insurance coverage covers everything the average Canadian will need travel insurance for. This includes baggage damage, flight delays, emergency medical treatment, travel accidents, etc.

Practical Travel Insurance Packages

The Royal Bank of Canada has always had the habit of listening to customer feedback. That’s why their travel insurance packages are practical and useful to all Canadians. This is why they’ve gone out of their way to offer travel insurance targeted at older people or for various types of vacations.

24/7 Emergency Travel Medical Insurance

RBC has partnered with Allianz Global Assistance to offer emergency travel medical insurance. With this, Canadians can be referred to the nearest medical facility in case of an emergency. There will also be a confirmation of direct payment of fees to the medical facility in such situations.

Pros and cons of RBC Travel Insurance

One of the questions that comes to mind when choosing an insurance policy is what the advantages and disadvantages of doing so are.

We don’t want to leave you in the dark regarding RBC travel insurance. So, this section of the RBC travel insurance review will cover the merits and demerits of choosing it.

The pros of RBC Travel Insurance

There are travel insurance packages created for seniors.

Unlike most travel insurance packages, RBC travel insurance takes the elderly population into account when creating its insurance package. Hence, you’ll see that some of their travel insurance is meant for Canadians older than 65.

Single and Multi-trip Coverage

You can opt for one multi-trip coverage instead of taking numerous single insurance packages for multiple trips. This will allow you to save money as the multi-trip coverage covers an unlimited number of trips in a year.

The cons of RBC Travel Insurance

No covid-19 travel insurance.

Although the worst of the COVID-19 pandemic is over, there is still a chance of encountering it on your travels. Many insurance companies have created insurance packages for this purpose, but RBC has chosen not to do so.

Little customization Available

Most insurance companies give their customers the freedom to choose what goes into their insurance package. However, RBC only offers a lot of pre-built options. While this is good, it doesn’t give the customer a great deal of freedom.

Premiums are Expensive

The RBC Avion travel insurance reviews show that Canadians are getting a good deal with this insurance company. However, this doesn’t change the fact that this company’s travel insurance costs more than its competitors.

RBC Travel Insurance products and services

When you sign up for travel insurance coverage from RBC, there are many options you can choose from. This section of the RBC travel insurance review will show you the insurance packages you can expect.

Deluxe Package

Our RBC Deluxe Travel Insurance review shows that this is the most comprehensive coverage from this company.

It offers a bit of everything you’ll need to be insured against when travelling within or out of Canada. This includes medical emergencies, travel accidents, trip cancellation and interruption, baggage loss, delay, and damage.

This package is only available to Canadians younger than 64 for multi-trip options and younger than 74 for single trips.

Non-Medical Package

This is the insurance package for you if you don’t need medical insurance or are insured elsewhere. So, it covers trip cancellation and interruption, baggage loss, delay, damage, and travel accidents. This package is available to Canadians of all ages.

Classic Medical Plan

This medical insurance plan offers unlimited emergency medical care, 24/7 worldwide coverage, and direct payment of emergency medical bills. The RBC Classical Medical Travel Insurance reviews show that this package is perfect for emergency medical situations outside your home province.

TravelCare Package

This is a package for older people, and it offers unlimited emergency medical insurance along with trip cancellation and interruption insurance. Baggage loss, delay, and damage are all covered, as are travel-related accidents.

TravelCare Medical Plan

This is a medical plan that’s targeted at Canadians over 65 years of age. From our RBC Travel Health Protector Insurance reviews, we’ve learned that these plans offer everything that the classic medical insurance plan provides.

This includes unlimited emergency medical care, 24/7 medical assistance, and direct payment of emergency medical bills.

RBC Travel Insurance product and service quality

RBC is a company dedicated to protecting customer data and safeguarding all their private information. When it comes to consumer data security, this insurance provider goes above and beyond by adhering to the General Data Protection Regulations (GDPR).

While developing its privacy risk management program, RBC also considers the Organization For Economic Cooperation and Development (OECD) recommendations.

This platform gives Canadians peace of mind with features like two-factor authentication and automatic e-transfer deposits. Auto-deposits eliminate potential security issues associated with logging into an online bank account.

How to get started with RBC Travel Insurance

This part of our RBC travel insurance review will explain the steps you need to take to acquire your own policy. To protect yourself while travelling, you have two options for applying:

• Apply Online
• Apply at an RBC branch

If you want to apply online, you’ll start by requesting a quote. Here, you’ll need to answer why you need the insurance, offer the trip details, and answer other questions to determine your needs.

When you’re done, the best insurance packages for your situation will be offered. Either modify the bundle to meet your requirements or purchase it as is. If you want to apply at an RBC branch, simply visit any RBC location, and a representative will assist you with your application.

Alternatives to RBC Travel Insurance

With all that has been covered in the RBC travel insurance review, do you feel this insurance coverage suits you? If it’s not, there are other alternatives to this travel insurance, and you’ll find them below.

TD Travel Insurance vs RBC Travel Insurance

This is travel insurance from TD Bank , and it offers coverage for all provinces in Canada. TD Bank also provides emergency medical insurance, as we saw in the RBC travel medical insurance reviews. Unlike RBC travel insurance, their insurance covers physician bills and hospital accommodations.

In contrast, TD travel insurance doesn’t cover travel accidents, flight delays, baggage loss, damage, or delays. Unlike RCB travel insurance, where there are many comprehensive packages to choose from, TD travel insurance only offers three basic plans.

Scotiabank Travel Insurance vs RBC Travel Insurance

Scotiabank offers this insurance policy to both Canadian citizens and permanent residents in every province in the country. The RBC assurance travel insurance reviews we read revealed similar coverage for international visitors to Canada.

Scotiabank and RBC travel insurance offers emergency medical insurance, trip cancellation and interruption insurance, baggage loss and damage insurance, and delay insurance.

However, Scotiabank also goes a step further to provide coverage for COVID-19 and even makes student-friendly plans. In contrast, RBC travel insurance offers flight delay insurance, which Scotiabank doesn’t provide.

RBC Travel Insurance review conclusion

This RBC travel insurance review shows that RBC travel insurance is a good option for Canadians who want to be covered on all fronts.

The RBC travel health insurance reviews also show that their health insurance policies cater to Canadians of all ages. So, if you can handle the high cost and lack of customization, you’ll love the RBC travel insurance.

You might also like…

• TD Travel Insurance Review – Pros, Cons, Features, Pricing
• Travel Guard Travel Insurance Review – Pros, Cons, Features, Pricing
• Blue Cross Insurance Review – Pros, Cons, Features, Pricing

Discover Investment Opportunities

Make your money do more.

Advertiser disclosure

Offers shown here are from third-party advertisers. We are not an agent, representative, or broker of any advertiser, and we don’t endorse or recommend any particular offer. Information is provided by the advertiser and is shown without any representation or warranty from us as to its accuracy or applicability. Each offer is subject to the advertiser’s review, approval, and terms. We receive compensation from companies whose offers are shown here, and that may impact how and where offers appear (and in what order). We don’t include all products or offers out there, but we hope what you see will give you some great options.

FAQs about our RBC travel insurance review

Yes, the RCB travel insurance can cover COVID-19 expenses. Although this insurance company doesn’t really offer COVID-19 insurance, it pays for medical expenses related to COVID-19. These expenses are paid when the country that the insured travelled to doesn’t have “Avoid all non-essential travel” or “Avoid all travel” advisories.

Yes, you can extend your travel medical insurance even if you're on a trip. However, you can only request an extension from us if you've not had a medical condition during the journey. However, if you've had it, you'll need to contact Allianz Global Assistance for their approval before we can do the same.

The cost of RBC travel insurance depends on the insurance package in question, the health condition of the insured, and other factors. The best way to know how much you’ll be paying is to request a quote for the cover you wish to purchase.

• Travel Insurance

Grow your finances today.

Most popular articles.

• moomoo Review (July 2024) – Get up to $2,200 in rewards
• Simplii Financial Review (July 2024) – Get a $400 Welcome Bonus + 5.9% Interest Rate
• 8 Cheapest Hybrid Cars in Canada in 2024
• How to Activate a Vanilla Prepaid Card
• How to Find a CIBC Routing Number
• How Many Toonies In A Roll

Browse by category

• Business Finance
• Business Insurance
• Car Finance
• Car Insurance
• Credit Cards
• Personal Finance
• Pet Insurance

You may also like

Car loan? Personal Loan?

Top deals await you just a short application away!

HelloSafe » Travel Insurance » RBC

Is RBC travel insurance the best in 2024?

verified information

Information verified by   Alexandre Desoutter

Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.

Visiting another country or province without travel insurance can be a costly mistake. Indeed, did you know that an overnight stay in a hospital in the United States can exceed $14,000 CAD? Some countries might even refuse to help you if you are unable to prepay for treatment.

Travel insurance is a necessity when you are away from home . It guarantees your ability to access and pay for health care, if and when you need it. Beyond medical emergencies, travel insurance can also help with flight issues, lost luggage, and more.

While you're looking at options, have you considered RBC travel insurance? What does RBC cover? For what price? What are its pros and cons? Read our review on RBC travel insurance, get a quote, and see how the competitors fare.

Our 2024 review of RBC travel insurance

The Royal Bank of Canada, often abbreviated to RBC, is a global financial institution and one of the largest banks in Canada. Buying RBC Travel insurance means getting coverage from a trusted brand. A variety of plans means that you can buy the right amount of coverage for your trip and medical needs.

Continue below for RBC travel insurance pros and cons:

Why RBC could be right for you:

• Unlimited medical benefits
• Easy, online application
• Enjoy coverage for your items as well – they are covered against theft, loss, damage and delay.
• 24/7 global telephone assistance.

Why RBC may not be right for you:

• Unlimited emergency medical coverage is limited to just $20,000 if you do not have a valid government health insurance plan
• RBC's Emergency Medical Insurance Coverage is only for Canadian residents only.
• Less generous Covid-19 coverage that many competitors

Before choosing RBC, compare options and quotes. A little shopping around can help you to save money and find a coverage that really fits your needs:

Compare the best travel insurance plans on the market!

What does RBC travel insurance cover?

RBC offers a wide range of plans covering emergency medical intervention, trip cancellation and coverage on personal items and accidents during your trip and journey. Here are the types of plans available with RBC:

For more information, download the PDF below:

The Travel within Canada package covers unlimited emergency medical interventions for all domestic travels in Canada. It also features extensive benefits on trip cancellation, interruptions and flight accidents.

RBC offers Visitors to Canada Insurance. This covers both emergency and general medical interventions. Personal items are also covered from theft, loss or damage.

Students coming into Canada can also take advantage of the RBC travel insurance package for students. It is extensive and caters for general and emergency medical interventions. The rbc travel medical insurance is quite comprehensive providing coverage up to $5 million and on par with other popular insurances like Manulife travel insurance .

What does RBC Avion travel insurance cover?

Apart from traditional travel insurance, there is also RBC credit card travel insurance available for cardholders.

RBC avion travel insurance can be accessed through the RBC Avion Visa Infinite Privilege card that comes at an annual fee of $399.

In the event of medical emergencies, the RBC Avion provides emergency medical coverage of up to $5 Million for a period of 31 days. For trip cancellations, the insurance offers protection of up to $2,500 per insured person, allowing you to recover non-refundable expenses.

Additionally, if your trip gets interrupted for covered reasons, such as illness or a family emergency, the insurance provides coverage of up to $5,000 per insured person to compensate for the costs incurred.

In the event of flight delays, the RBC Avion offers coverage of up to $1,000 to assist with additional expenses and inconvenience. For lost or stolen baggage, there is a coverage of up to $2,500.

Moreover, in the unfortunate event of hotel burglary, the insurance provides coverage of up to $3,000, offering financial protection for your belongings. The travel accident coverage provides up to $500,000 in coverage. It also covers rental car loss or damage.

Pros of rbc avion

• Faster security clearance at prime Canadian airports
• Extensive medical coverage
• Rental car coverage

Cons of rbc avion

• High income requirement of personal or household $200,000
• High annual fee

For assistance, you can contact: 1-800-533-2778 toll-free from the US & Canada or 905-816-2581 collect from anywhere in the world .

What is RBC westjet mastercard travel insurance coverage?

The RBC westjet Mastercard travel insurance provides $500,000 accident coverage when you're traveling. It also includes a hotel/motel burglary coverage of $2,500 per incident.

It also includes emergency purchases insurances to cover you during unexpected incidents by up to $500. Flight Delay Insurance of $250 per day per covered person is also included.

There is also emergency medical insurance coverage for the first 15 consecutive days of your trip if you are under 65. For those above the age of 65, the coverage is for 3 days. Check with your provider for the complete information on the coverage.

What does RBC preferred visa travel insurance cover?

Apart from the aforementioned options, there is also the RBC preferred visa travel insurance specifically for Preferred Visa cardholders.

There is Emergency Medical insurance coverage that includes hospital, doctor fee, prescription drugs, and more. The insurance also covers trip cancelations and trip interruptions.

It is to be noting that pre-existing medical conditions that are not stable are not covered. However, it's best to review the complete document or speak to RBC customer care to get the complete and up-to-date information.

Good to know

There is also RBC world elite mastercard travel insurance and RBC visa gold travel insurance provided for cardholders. Both these insurances should cover emergency medical insurance, trip cancellation and interruptions, accident insurance, and flight delays, among other essential coverage. Please contact RBC customer care for more information.

Does RBC travel insurance cover covid?

RBC travel insurance covid coverage is available under its travel insurance plans. It provides emergency medical coverage for medical expenses related to COVID-19, as long as there are no travel-ban advisories issued by the Canadian government on the day you depart on your trip.

Regarding trip cancellation or interruption benefits related to COVID-19, RBC Insurance will not pay unless certain conditions are met. These conditions include:

• If you get sick with COVID-19, preventing you from traveling as planned.
• If your spouse and/or children become sick with COVID-19, preventing you from traveling as planned.

In these situations, RBC Insurance may provide coverage for trip cancellation or interruption expenses. However, it's important to carefully review the specific terms and conditions of your policy, as they may contain additional requirements or limitations for coverage related to COVID-19.

How much does RBC travel insurance cost?

The price of travel insurance coverage depends on:

• Your desired coverage and otpions.
• Your deductible.
• Your waiting period.
• Your destination(s).
• The lenght of your trip.

Expert advice

Therefore it will be important to get an individual quote customized for your unique needs.

How to buy RBC travel insurance?

RBC packages are available through their website or by calling RBC travel insurance contact at 1-800-565-3129 or 1-866-317-3122. You could also fill in your details on the RBC website and an advisor will get in touch with you with quotes based on your unique needs.

Before settling on RBC, we advise you shop around! You can quickly and anonymously compare prices from leading travel insurance companies using our free comparison tool below:

Is there RBC travel insurance for seniors?

Yes, RBC travel insurance for seniors provides affordable plans for mature travellers , offering coverage for essential medical expenses, lost baggage, trip cancellation, and more.

RBC medical travel insurance for seniors services include 24-hour worldwide emergency medical and travelling assistance with multilingual professionals available round the clock. They offer unlimited coverage for eligible medical expenses not covered by government health insurance and provide coverage for stable pre-existing conditions.

RBC ensures safe transportation to the nearest medical facility and even covers the cost for a companion to travel to your bedside. They facilitate direct payment of medical bills whenever possible and have packages tailored to all age groups, including seniors.

They may require you to answer some health-related questions for individuals aged 65 and above to make sure you get the most appropriate coverage.

How to file RBC travel insurance claim ?

Claims can be filed directly on their website. You will have to fill up a claim form, like the one attached below, to initiate the process. You will have to provide supporting documents like proofs from your physician in case of medical claims.

In case of travel interruptions or delays, you must provide documents of your reservations and flight details and cancelations if any.

You can also file your claim by calling the following phone numbers:

• 1-800-387-2487 (Toll-free from Canada and USA)
• 905-816-2561 (Collect from anywhere)
• 1-800-263-8944

How can I contact RBC travel insurance?

For any queries, you can reach the RBC's customer care at the following phone numbers:

• 1-800-387-2487 (Canada and USA)
• +1-905-816-2561 (Worldwide)

How to cancel RBC travel insurance?

In case you want to cancel your policy, you can contact the RBC travel insurance phone number 1-800-565-3129 and follow the instructions.

If you cancel the insurance within 10 days of purchase of the policy and have no initiated any claim and haven't left for your trip, you are eligible for a full refund. If more than 10 days has passed, contact the RBC customer care for further details.

You can also refer to the " insurance premium " section of you insurance document to find details on cancellation and charges.

Now that you know everything you need to in order to decide if RBC is the right fit for you, you can use our comparator to compare other insurances and also get quotes to make the best decision.

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.

• Find a Branch
• Call 1-800-769-2511

RBC Travel Insurance

Travel coverage for rbc cardholders.

Many RBC travel credit cards (opens in new window) come with built-in travel insurance to protect you and your family while you’re away from home. Understanding what kind of coverage you have can help you travel with confidence.

What Travel Insurance Does My Credit Card Have?

Our travel insurance is there to support you if the unexpected happens. Find out what coverage your card has before you leave home. Disclaimer 1

Check My Coverage (open in new window)

Need Travel Insurance?

Get the coverage that’s best for your trip. Whether you need full coverage or just a top-up, it’s easy to get an online travel insurance quote in minutes.

Get a Travel Insurance Quote (open in new window)

Call 1-866-292-5233

Understanding Travel Insurance

While every card is different, many of our travel credit cards include some of these popular forms of coverage. Disclaimer 2 Please refer to your credit card Certificate of Insurance for complete details regarding these coverages. Disclaimer 5

Emergency Medical Insurance

If you are leaving your province or travelling outside of Canada and need emergency medical help, your eligible expenses are covered for a certain number of days as specified on your Certificate of Insurance.

*For travellers over 65, you’ll receive unlimited coverage for the first 7 days.

Trip Cancellation Insurance

Sometimes the unexpected happens. If you have to cancel your trip before you leave due to a covered reason, reimbursement can be made to you for the eligible non-refundable and prepaid travel arrangements. Disclaimer 6

Flight Delay Insurance

There may be coverage for reasonable expenses including meals and accommodation if you miss your connecting flight or your flight is delayed. Disclaimer 6

Trip Interruption Insurance

If you need to cut your trip short unexpectedly due to a covered reason, reimbursement can be made to you for the eligible unused portion of your pre-paid travel arrangements. Disclaimer 6 There is also coverage to help you get to your next destination. Disclaimer 6

Delayed Baggage Insurance

There may be coverage for reasonable and necessary purchases if your checked baggage is lost or delayed. Disclaimer 6

Hotel/Motel Burglary Insurance

If your personal property is damaged or stolen as a result of a break-in of your hotel, motel or cruise cabin, reimbursement can be made to you for the cost of its repair or replacement. Disclaimer 6

Auto Rental Collision/Loss Damage Waiver Insurance

Covers you for loss and damage to a rental vehicle up to the actual cash value of the rental vehicle, provided that you executed the rental agreement and paid the entire cost with your credit card. Disclaimer 6

Travel Accident Insurance

There may be coverage in the event of an accidental bodily injury resulting in a loss, including death, while travelling on a common carrier, for up to $500,000 CAD. Disclaimer 6

Each of our credit cards offer different insurances, so be sure to check your coverage (open in new window) before your leave.

Frequently Asked Questions

Out of Province/Country Emergency Medical Insurance provides coverage for medical expenses related to COVID-19 and its variants, as long as there are no COVID-related travel advisories (such as to avoid all non-essential travel or all travel to that destination) issued by the Canadian government for your destination on the date you leave for your trip.

No, you don’t have to pay for your travel arrangements with your RBC credit card to be eligible for Out of Province/Country Emergency Medical coverage. Coverage is included for the number of days specified in your Certificate of Insurance, and in effect as soon as you leave your province or territory of residence.

Yes, When the cost of your travel arrangements exceeds the maximum coverage included with your RBC credit card, you can buy top-up travel insurance coverage to protect the remaining cost of the trip. You can buy top-up insurance online or by calling 1-866-292-5233 .

If you need to purchase additional coverage for your extended stay, please call the Enrollment Centre at 1-866-292-5233 before your insurance expires.

If Covid-19 or its variants prevents you from travelling as planned, your credit card may provide trip cancellation or trip interruption if :

• Your emergency medical condition is due to contracting COVID-19 or its variants.
• Your spouse’s and/or dependent child’s emergency medical condition is due to contracting COVID-19 or its variants.
• In either scenario, a medical certificate completed by a physician is required to submit your claim.

If you have to cancel or interrupt your trip for other reasons related to COVID-19 or its variants such as new travel advisories, your claim will not be covered.

Yes. To qualify for trip cancellation/interruption coverage for any prepaid travel, accommodations and recreation arrangements must have been paid in full with your eligible RBC credit card and/or Avion points. Check your card’s coverage before you leave.

Before you leave, you can buy top-up insurance online or by 1-866-292-5233 calling for the extra days that you’re travelling.

During your trip, call us at 1-866-292-5233 to buy additional coverage.

Emergencies and Claims Disclaimer 3

Get Medical or Emergency Assistance While Travelling

If you need help during your trip for a medical or other travel emergency, help is available 24 hours a day, 7 days a week.

Call: Toll Free: 1-800-533-2778 (Canada and U.S.)

Call: Collect: (905) 816-2581 (collect from anywhere)

Email: [email protected]

Include the following information Disclaimer 4 :

• Your full name
• Your current location (city and country)
• How you can be reached
• Indicate you have an RBC credit card (do not include your card number)

In a life-threatening medical emergency, get to a hospital immediately and have a family member or friend call Allianz Global Assistance on your behalf as soon as possible.

Submit a Claim

To submit a claim for travel insurance provided under your RBC credit card:

Call: 1-800-464-3211

Visit: the Allianz Claims Portal to submit a claim online

• Create an account (if you do not have one already)
• Sign in to the Claims portal to easily open a new claim, track the status of an existing claim, or complete an existing claim

Discover Other Optional Add-On Services

BalanceProtector Premier Plus

Get coverage for your credit card balance in the event of the unexpected.

Identity & Theft Protection

1 in 3 Canadians have fallen victim to financial fraud Disclaimer 3 – are you at risk?

RBC Road Assist

Superior roadside assistance 24 hours a day, 365 days a year

View Legal Disclaimers Hide Legal Disclaimers

For a full list of eligible RBC Royal Bank credit cards and their travel insurance coverage, please visit https://online.worldprotect.com/weblinkca/en/card-coverage/index.html (open in new window)

Coverages are underwritten by RBC Insurance Company of Canada except for Auto Rental Collision/Loss Damage Waiver Insurance, which is underwritten by Aviva General Insurance Company.

RBC Insurance Company of Canada has appointed AZGA Service Canada Inc. (operating as “Allianz Global Assistance”) as the provider of all travel insurance assistance and claims services.

Regular, unencrypted email is not secure. Please be mindful if including any personal or confidential information in a regular, unencrypted email. To discuss your personal information safely, you may wish to contact Allianz Global Alliance by telephone. For more general cyber security information, please visit our Email & Website Fraud site or to help you spot phishing emails and fake websites, visit our Cyber site .

This is a summary only. All travel insurance is subject to terms, conditions, limitations and exclusions. Refer to the credit card Certificate of Insurance for complete coverage details.

In order to be eligible for all coverages except Out of Province/Country Emergency Medical insurance, trip must be paid in full with your credit card and/or with Avion Rewards points.

Trip Cancellation and Interruption Insurance

Things don't always go as planned.

Protect your travel investment—just in case your trip gets cancelled or interrupted.

Get a Quote

Financial protection for your trip expenses.

Have you bought an airline ticket or made a non-refundable and/or non-transferable hotel deposit? Protect your purchase with trip cancellation and interruption insurance. This coverage protects you financially in case you get sick or an unexpected event forces you to cancel your trip, come home early or delay your return home. Here’s how it can help:

Before Departure Disclaimer 1

Trip cancellation insurance reimburses you for non-refundable and/or non-transferable deposits on pre-paid travel arrangements and cancellation penalties that a transportation carrier or tour guide may charge.

See More See Less

Policy Documents:

For complete coverage details, limitations and exclusions, see:

After Departure Disclaimer 1

Trip interruption insurance covers extra costs if you need to return home sooner or later than planned and reimburses you for non-refundable and/or non-transferable portions of unused, prepaid travel arrangements.

Other Expenses Disclaimer 1

Out of Pocket expenses reimburses you for extra expenses like a hotel, meals, taxi fares (ride sharing, or rental car in lieu of taxi fares)and more if a covered situation happens.

Do you need medical coverage, too?

Consider a travel insurance package instead if you think you may need coverage for emergency medical expenses and other situations. All of our packages include trip cancellation and interruption insurance.

Make sure you have the right travel insurance—get an online quote or talk to a licensed insurance advisor.

View Legal Disclaimers Hide Legal Disclaimers