Travel Insurance Options
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
Medical - Covers emergency medical insurance.
Within Canada Package - Covers emergency medical, cancellation
and interruption, flight accident, travel accident, baggage and
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.
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
When should I buy travel insurance?
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.
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
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:
cost of claim $138,350
Amount covered by Government Health Insurance Plan (GHIP) $4,000
Amount paid by RBC Insurance $134,350
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.
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
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.
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.
only going to the United States for a few days. Do I really need
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).
am over the age of 60 and have a few health problems. Can I still
get travel insurance?
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.
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.
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.
here to book your insurance