If you need help during your trip for a medical or other travel emergency, help is available 24/7.
Covers you for the widest range of unexpected travel situations.
Helps to fill the gap left by your provincial health insurance.
Covers non-refundable and/or non-transferable trip expenses if your plans are cancelled or interrupted.
Choose from the topics below for some information on the type of coverage that may be right for you:
Have a question about travel insurance? Get the answers you need here.
To be eligible for this insurance coverage, a traveller must be:
Note: when you purchase travel insurance from us, you are enrolling in coverage under a group insurance master policy issued by RBC Insurance Company of Canada to RBC Royal Bank. Upon enrollment, a certificate of insurance will be issued to you together with the insurance application/confirmation of coverage and medical questionnaire (if applicable). The certificate of insurance contains the terms and conditions of your insurance coverage and together with the items listed above form part of your insurance contract.
Will my age affect my eligbility for travel insurance?Generally speaking, no. While your age can affect your eligibility for certain coverages, 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 make sure you have the most appropriate coverage.
Can I buy travel insurance on my parent's behalf?Yes, you may purchase a policy for your parents. Simply call us at 1-800-565-3129 or get a quote online. 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.
Will a pre-existing medical condition affect my travel insurance coverage?Possibly. Depending on your age, medical condition and, if applicable, your answers to our health questions, pre-existing medical conditions Definition opens in new window are covered if they are stable Definition opens in new window for a certain time period (as specified in your policy) before your policy's effective date.
Note: Please refer to the certificate of insurance document for complete coverage details regarding pre-existing conditions.
What do I need to know about completing the health questions for travel insurance coverage?Your answers to the health questions (if applicable) will be used to help determine the benefits you are eligible to receive under your certificate of insurance.
When answering the health questions:
If necessary, a family member or close friend can complete the questions on your behalf. Please keep in mind, however, that it is still your responsibility to make sure the answers are correct.
My spouse is travelling with me. Do I need to buy travel insurance coverage for him or her?Yes, it is recommended that you buy coverage for your spouse as well.
Which travel insurance package or plan is right for me?The right coverage for your trip depends on several factors, including (but not limited to) where you're travelling to, how long you’ll be gone, the kind of transportation you'll be using and, in some instances, your overall health. View all of our travel insurance products now.
An accident, illness or medical emergency can happen anywhere, anytime. If you need medical care or treatment in another country, your government health plan may cover 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.
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 your stress and hassle.
Do I need travel medical insurance when I travel within Canada?Yes, if you are travelling outside your home province or territory. There are several reasons why it's important to get travel medical insurance when you're travelling within Canada. One reason is that accidents can happen anywhere. Another is that government health insurance plans do have limits on reimbursement of emergency medical expenses incurred while you are in another province. For example, the ambulance, emergency dental treatment and prescription drugs might not be covered by some government health insurance plans.
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 certificate of insurance.
If you've purchased a single trip plan, the following conditions apply:
If you've purchased a multi-trip annual plan, the following conditions apply:
You may purchase a top-up coverage for the additional number of days beyond the duration covered by your multi-trip annual plan as follows:
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.
Does my credit card provide travel insurance coverage when I'm travelling?It may, but not always. We recommend that you carefully review the travel insurance coverage provided by your credit card, as well as any special conditions or stipulations.
Do you have an RBC Royal Bank ® credit card?
Review the travel insurance coverage that comes with your RBC Royal Bank credit card.
Will my government health plan cover me for travel 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 (Foreign Affairs, Trade and Development Canada) urges 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 health care 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 policy. 3
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:
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.
I'm only going to the U.S. for a few days. Do I really need travel insurance?Yes, you do need travel insurance to protect yourself against the unexpected, even if you are going to the United States for a few days. An illness or accident can happen at any time, whether you're on the road for a few days, or a few months. And remember, the cost of health care is very expensive in the United States and very little of this cost would be covered by your government health insurance plan, credit card or company benefits plan. For a short trip, the cost of travel insurance is minimal, and it gives you the protection you need.
Will travel insurance pay my expenses if I’m on a trip and I am called home for an emergency?If you purchase trip cancellation and interruption insurance, it will help pay for your expenses to return home in the event of a covered emergency. There are a number of circumstances that qualify as an emergency (for example, the death or serious illness of a family member). The cost of cancelling a trip prior to departure can be very expensive, as most trips are non-refundable and/or non-transferable, especially if you have to cancel just before leaving on your trip. Having to return early from a trip can also be very expensive. Either way, trip cancellation and interruption insurance is very important to protect your travel investment.
How far in advance of my trip's departure date must I purchase travel insurance?You must purchase coverage before departing on your trip. You may benefit from purchasing coverage as soon as you make your initial trip deposit, especially if you are purchasing trip cancellation and interruption insurance—either as stand-alone coverage or as part of one of our insurance packages.
If you were to book your trip 6 months in advance, consider the unexpected situations that could occur in that time.
Will my travel insurance pay my emergency medical bills up-front?If you purchase travel insurance from us, we will pay the eligible bills directly to the hospital or physician whenever possible.
Does my travel insurance cover me if I participate in any sports during my trip?There are a number of sports that are not covered during your trip. For more details, see the Exclusions section of the certificate of insurance document.
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 additional days I'm travelling?
You may purchase a top-up policy for the extra number of days beyond the duration covered by your multi-trip annual plan. Here are the conditions:
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 insurance you are purchasing requires you to complete health questions, you must complete the health questions.
Please see the certificate of insurance document 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, subject to certain conditions:
Yes, if you are travelling with your spouse/partner and children or other family members, you could save money with our family plan pricing.
Why should I buy trip cancellation and interruption insurance?The cost of a trip can be a significant financial investment. A lot can also happen in the time between booking your trip and departing—if a medical emergency or other unexpected event prevents you from going on your trip, you could potentially lose some (or possibly all) of the money you paid.
With trip cancellation and interruption insurance, you're protected when certain situations prevent you from travelling as planned. Examples include:
Note: We strongly recommend that you purchase trip cancellation and interruption insurance at the time you pay your initial travel deposit. Please see the certificate of insurance document for complete coverage details, including terms and conditions.
Do I really need to read my travel insurance policy?We strongly recommend you do. Your certificate of insurance 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.
