RBC Travel Insurance Options

Deluxe Package - This is the most recommended since it covers emergency medical, cancellation and interruption, flight accident, travel accident, baggage and personal effects.

Non-Medical Package - Covers cancellation and interruption, flight accident, travel accident, baggage and personal effects.

Classic Medical - Covers emergency medical insurance.

Travel Within Canada Package - Covers emergency medical, cancellation and interruption, flight accident, travel accident, baggage and personal effects.

Visitors to Canada Plan - Recommended for Family and friends coming to visit, Canadians who are not eligible for benefits under a Government Health Plan, persons who are in Canada on a valid work or student visa, new immigrants who are awaiting Government Health Insurance Plan coverage.

Cancellation & Interruption - Covered medical emergency arises before departing on your trip and costs associated with an early or delayed return.

Insurance FAQs

Why should I buy travel insurance?
If I get sick when I'm travelling, won't my government health plan pay for my medical expenses?
Why do I need additional travel insurance if I have coverage through my credit card?
Will travel insurance pay my expenses if I am away and am called home by an emergency? What about if I have to cancel my trip at the last moment?
Do I need travel insurance when I travel in Canada?
I'm only going to the United States for a few days. Do I really need travel insurance?
I am over the age of 60 and have a few health problems. Can I still get travel insurance?
What is the value of buying a package travel insurance policy?
When should I buy travel insurance?

Why should I buy travel insurance?
Travel insurance was designed to make travel a worry-free experience. Even if you're a well-prepared traveller, emergencies happen. You might have an accident the night before you're scheduled to leave and need to cancel your trip. You might need to come home early because of a family emergency. You might need medical assistance when you're away. You never know. Travel insurance can help you protect the financial investment you make in a trip, and ensure professional assistance is available if you need it.

If I get sick when I'm travelling, won't my government health plan pay for my medical expenses?
Provincial health insurance plans provide only limited coverage for medical treatment and hospital costs outside of your province or territory of residence. If you're injured or become ill while you're out of the country, your government plan will only pay a portion of your medical bills. Without travel insurance, you could end up having to pay substantial medical bills out of your own pocket.

Consider this situation:

A family of four – who had purchased RBC Insurance travel coverage prior to leaving – were travelling in a rented van while on vacation in the southern United States. During their vacation, the family was involved in an accident and their van rolled over several times. The children were not seriously hurt, but the mother suffered a spinal fracture. The father had fractures in the neck, shoulder and forearm. Both were treated immediately and then airlifted home to Canada by air ambulance. Here's what their medical expenses cost:

Total cost of claim $138,350
Amount covered by Government Health Insurance Plan (GHIP) $4,000
Amount paid by RBC Insurance $134,350

Why do I need additional travel insurance if I have coverage through my credit card?
Your credit card may provide basic travel insurance, but read the fine print to find out exactly what's covered, under what conditions and what the limits are. Many credit cards have very low coverage limits, or the coverage you have may apply for a limited time period, or until a certain age.

Will travel insurance pay my expenses if I am away and am called home by an emergency? What about if I have to cancel my trip at the last moment?

Cancellation and interruption insurance is designed to protect the financial investment you make in a trip. Whether you have to cancel a trip at the last minute, or have to come home early, emergencies happen. Tour operators, cruise lines, airlines and hotels all have cancellation penalties up to 100% of the cost of the booking. Cancellation and interruption insurance can help cover costs resulting from unforeseen risks, that would otherwise not be refunded.

Do I need travel insurance when I travel in Canada?
Yes – for three main reasons. One, injuries, accidents and lost luggage can happen regardless of your destination. Two, government health plans limit the reimbursement of the emergency medical expenses you could incur when you're out of the province of your residence. Three, domestic airfares and land arrangements are often subject to cancellation penalties.

I'm only going to the United States for a few days. Do I really need travel insurance?
Think about it this way – accidents can happen at any time, whether you're away for a few days or a few months. You also need to remember that medical attention in the United States is expensive – and very little of this cost would be covered by your government health insurance plan. Adding the minimal cost of travel insurance to your short trip could save you a lot in the long run. For e.g. the average cost per day to stay in a U.S. hospital ranges from $3,000 to $9,000 (USD), while the average cost of an emergency room visit in a U.S. hospital is $1,000 (USD).

I am over the age of 60 and have a few health problems. Can I still get travel insurance?

Travel insurance premiums usually vary based on your health and age. Your premium and coverage will be determined according to the answers you give to medical questions. Be aware that some policies may not provide coverage for pre-existing health conditions you have prior to departure on your trip. Generally, unless you have severe health problems, you should you have no problems getting this type of insurance.

What is the value of buying a package travel insurance policy?
Travel insurance packages are designed to provide comprehensive coverage for a wide variety of travellers. Typical travel insurance packages include emergency medical, trip cancellation, interruption and baggage insurance. Even though coverage offered varies based on the type of package selected, packages are usually an affordable alternative to purchasing each type of coverage separately.

When should I buy travel insurance?
Cancellation and trip interruption insurance must be bought when you book your trip. You can buy any other coverage any time before you leave. Remember to buy insurance for your entire trip – which includes the day you leave and the day you return.

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All travel services are arranged by and paid through Travel Professionals International and their suppliers.