RBC Travel Insurance
Relaxing by the pool, exploring a new destinations or returning to a favourite holiday spot, is a fine way to spend your vacation. Worrying about travelling unprotected, is not. After all, the cost of travel insurance is minimal compared to the risk of being faced with a medical emergency expense while away from home. With affordable coverage from RBC Insurance®, you can be taken care of with:
- RBC's toll-free number offers immediate multilingual emergency assistance, available 24/7.
- Medical care that will help get you back on your feet as quickly as possible.
- Coverage for Trip Cancellation, Trip Interruption and Baggage & Personal Effects.
- Upfront payments for eligible emergency medical and hospital expenses whenever possible, so you won't pay out of pocket.
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Travel knowing you are protected
Whether you're travelling across the border, around the world, or to another province, here are some excellent reasons to buy travel insurance coverage:
Your government health insurance plan may not cover all emergency medical expenses
Government health insurance 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 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 will cover only part of the bill at best."(2)
Plus, government health insurance plans don't guarantee coverage for special care (air ambulance or emergency dental services, for instance).
Unlike government insurance health plans, our insurance offers you:
- Unlimited coverage for eligible medical expenses(4)
- 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.
| Actual cases and costs for medical care in the U.S. (U.S. dollars)(3) | ||
| Cardiac Catheterization & Bypass: Arizona 10 day admission $147,000.00 |
Motor Vehicle Accident: Wyoming 13 day admission $171,500.00 $15,900.00 ( Air Ambulance ) |
Fractured Femur: Florida 6-day admission $58,825 |
Your credit card coverage may be limited
Some credit cards provide emergency medical insurance when you are travelling outside Canada or your province/territory of residence.
However, there may be important distinctions between what travel insurance covers and what your credit card's insurance plan covers.
For example, with a credit card, coverage might only apply to trips purchased on the card—or be limited to a fewer number of travel days.
Before you take a trip, it's a good idea to review any coverage provided by your credit card(s) to decide whether you need additional insurance.
Your employee benefits plan coverage may be limited
With health insurance under an employee benefits plan, out-of-country medical coverage may not be available, may not cover a spouse or dependents and often has limits on the number of travel days covered and amounts payable.
Before you take a trip, it's a good idea to review any coverage provided by your employer to decide whether you need additional insurance.
You may need coverage for a range of situations
If you're travelling aboard an airplane, train, bus or other public transport, there's the chance that your flight or travels may be delayed (or cancelled altogether). Your luggage may be lost or damaged. Or you may have to cancel your trip or return home unexpectedly early due to a family emergency.
With RBC Insurance®, you can choose a package or plan that covers you for these types of situations and more.
Consider this as well: 74% of Canadian travellers spent more than $1,000 per person per vacation in 2007. Almost half of those travellers spent more than $1,500 per person per vacation.(1) That's a big discretionary expense, one you no doubt want to protect. For the additional financial security you get, our travel insurance is a true bargain.
Complete travel insurance protection in one package
With our affordable travel insurance packages, you can travel knowing you're financially protected against most unexpected travel situations.
If you have a medical emergency while travelling, one toll-free call – anytime day or night – 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.
Single-trip coverage for travellers under age 75. Or, multi-trip annual coverage for travellers under age 60. The most comprehensive package we offer which includes:
- Emergency medical
- Trip cancellation and interruption
- Loss/damage of baggage and personal effects
- Baggage delay
- Flight and travel accident coverage
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Single-trip coverage ideal for travellers age 75 or older travelling outside of Canada. Or, multi-trip annual coverage for travellers age 60 and up. The most comprehensive package we offer for those young at heart, which includes:
- Emergency medical
- Trip cancellation and interruption
- Loss/damage of baggage and personal effects
- Baggage delay
- Flight and travel accident coverage
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Protection for international travellers who already have emergency out-of-country medical insurance.
- Trip cancellation and interruption
- Loss/damage of baggage and personal effects
- Baggage delay
- Flight and travel accident coverage
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Unlimited protection against eligible emergency medical expenses for travellers under 60 years of age(1).
Consider our Classic Medical Plan if you are travelling outside your home province or territory and don't need to purchase the additional travel protection provided by one of our travel insurance packages. For example, this coverage may be ideal if you already have trip cancellation and interruption coverage through a credit card or if your plans don't involve travel aboard an airplane, train or bus.
If you are looking for medical coverage only, consider the Classic Medical Plan which offers travellers under 60:
- Unlimited coverage for eligible emergency medical expenses(1)
- 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
- No deductible payment is required
- No health questions are required and stable pre-existing medical conditions are covered(2)
- Your choice of single-trip coverage for one trip lasting up to 183 days or our money-saving multi-trip annual coverage (unlimited number of trips of a certain duration within a 365-day period)*
- Special family plan pricing is available
*Note: You may be eligible to purchase coverage for a single trip up to 365 days or add days onto your multi-trip annual plan (top up coverage).
For complete coverage details, limitations and exclusions, see the Classic Medical Plan policy document:
- Classic Medical (Single-Trip) (PDF)
- Classic Medical (Multi-Trip Annual) (PDF)
- Quebec Distribution Guide (for residents of Quebec only) (PDF)
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- This insurance is subject to a maximum of $20,000 if you do not have valid government health plan coverage in force for the full length of your trip.
- Condition(s) must be stable for 90 days before the effective date of the coverage. For complete coverage details, limitations and exclusions, see the policy document.
Ideal protection for travellers taking a trip exclusively within Canada.
- Emergency medical
- Trip cancellation and interruption
- Loss/damage of baggage and personal effects
- Baggage delay
- Flight and travel accident coverage
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Three plans to suit a range of needs and budgets
Visitor insurance plans offer emergency medical coverage to visitors, immigrants, foreign students and Canadians without government health insurance.
Each plan is an outstanding value, made even better by our global network of multilingual coordinators. If you have a medical emergency while travelling within Canada or on a short side-trip, one toll-free phone call–anytime day or night–puts you in touch with a professional who will refer you to a Canadian doctor or facility in order for your to receive the care you need.
This plan provides up to $25,000 of Travel Accident insurance, as well as up to $150,000 coverage of the eligible emergency medical expenses that you incur while visiting Canada, and that exceed the benefits of your government health insurance and other coverage. It also provides coverage for side-trips outside Canada. This essential coverage comes with a full range of benefits including the round-the-clock services of Assured Assistance Inc., and direct payment of eligible medical expenses whenever possible. For complete details, limitations and exclusions, please read the Visitors to Canada policy.
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This insurance provides up to $50,000 coverage of the eligible emergency medical expenses that you incur while visiting Canada and that exceed the benefits of your government health insurance and other coverage. It also includes a $50 deductible and coverage for side-trips outside Canada. This essential coverage comes with a full range of benefits including the round-the-clock services of Assured Assistance Inc., and direct payment of eligible medical expenses whenever possible. For complete coverage details, limitations and exclusions, please read the Visitors to Canada policy.
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This insurance provides up to $25,000 coverage of the eligible emergency medical expenses that you incur while visiting Canada and that exceed the benefits of your government health insurance and other coverage. It also includes a $50 deductible and coverage for side-trips outside Canada. This essential coverage comes with a full range of benefits including the round-the-clock services of Assured Assistance Inc., and direct payment of eligible medical expenses whenever possible. For complete coverage details, limitations and exclusions, please read the Visitors to Canada policy.
Ask us for Details