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Travel Insurance

What Are You Interested In?

Travel Packages

Travel Packages

Coverage for the widest range of unexpected travel situations.

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Travel Medical

Travel Medical

Coverage to fill the gap left by my provincial health insurance.

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Trip Counterfoil and Suspension

Trip Cancellation and Interruption

Coverage for not-refundable and/or non-transferable trip expenses if my trip is cancelled or interrupted.

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Visitors to Canada

Visitors to Canada

When visiting, immigrating to or studying in Canada and need emergency medical coverage.

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Travel Insurance Communication past Trip Type

Choose from the topics beneath for some quick advice on the type of coverage that may be right for you lot:

Reasons to love RBC Travel Insurance

• 24/7 worldwide emergency medical assistance
• Multilingual assist from caring professionals

Kind Words from Our Customers

"Never in my life have I dealt with a group of people and so respectful and kind. I have been telling everyone how wonderful RBC travel is." - Yard.R.

Kind Words from Our Customers

"Cheers for the excellent service I received on my trip." - G.W.

Travel together. Save together.

Travelling with a grouping of 10 or more? Relieve with a grouping discount and enjoy all the benefits of RBC^® Travel Insurance.

Travel Insurance FAQs

Have a question about travel insurance? Become the answers you need here.

Eligibility

Our goal is to brand affordable travel insurance coverage available to as many Canadians every bit possible. In general, whatsoever Canadian resident tin can purchase some form of coverage with us. Factors such equally where you are travelling, your health and the length of your trip may affect the specific coverage(southward) bachelor to y'all.

Note: Non-residents travelling to Canada, immigrants to Canada or foreign students studying in Canada may be eligible to purchase one of our Visitors to Canada Plans.

Generally speaking, no. While your age can affect your eligibility for certain coverages, we accept packages and plans that cover all age groups. If you are age 65 or older, nosotros may ask you to reply a few questions almost your health to make certain you accept the near appropriate coverage.

Yep, you may purchase a policy for your parents. Simply call u.s. at 1-866-896-8172, buy online, or visit an RBC Insurance Store. Depending on their historic period, they may be required to complete health questions in order to obtain coverage. If this is not a requirement, delight keep in mind that all terms and atmospheric condition apply to your parents, therefore nosotros recommend that you review the insurance with them prior to purchase.

Peradventure. Depending on your age, medical condition and, if applicable, your answers to our health questions, pre-existing medical conditions are covered if they are stable for a sure time period (as specified in your policy) before your policy'southward effective date.

Note: Please refer to the policy document for complete coverage details regarding pre-existing weather condition.

Your answers to the health questions (if applicable) volition exist used to help determine the benefits you are eligible to receive under your insurance policy.

When answering the health questions:

• Have your fourth dimension. The questions may take up to 10 minutes to complete.
• You (the applicant) should consummate and sign the Medical Questionnaire. (If yous have someone else consummate the Medical Questionnaire on your behalf, it is notwithstanding your responsibility to make sure the answers to the questions are correct.)
• Read and answer each question carefully and accurately. Review your answers to confirm they are correct. Incorrect answers may lead to your coverage being voided or your merits denied.
• Have your prescriptions or a description of your medications nearby for reference.
• If you are unsure about whatsoever questions regarding your medical status or medications, delight speak to your physician.

If necessary, a family member or shut friend can complete the questions on your behalf. Please keep in mind, however, that it is still your responsibleness to sign the course and make sure the answers are right.

Yes, it is recommended that you buy coverage for your spouse equally well.

This reply depends largely on your child's historic period.

• If your child is under 2 years quondam and yous are purchasing the Palatial 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 dissever trip deposit for him or her, consider buying a travel insurance bundle or trip cancellation and intermission insurance.

The correct 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.

Coverage

An blow, illness or medical emergency tin happen anywhere, anytime. If you lot need medical care or treatment in another country, your government health plan may comprehend only a portion of the costs. Travel insurance starts where these plans leave off.

Plus, with our emergency medical coverage, y'all take access to the multilingual representatives of Allianz Global Assistance.

Yeah, if you are travelling exterior 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 tin happen anywhere. Another is that government health insurance plans do have limits on reimbursement of emergency medical expenses incurred while you are in some other province. For case, the ambulance, emergency dental treatment and prescription drugs might not be covered by some government health insurance plans.

You may extend your coverage if yous extend your trip, subject to certain conditions of your policy.

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

• If you have not had a medical status during your trip or while covered under your policy, you lot can request an extension by contacting us at 1-866-896-8172 before your original policy's expiry date.
• If you have had a medical condition during your trip and while covered under your policy, you must request the extension by contacting Allianz Global Assistance earlier the expiry date of your original policy. Your extension is subject to the approval of Allianz Global Assist.
• You lot must pay the required additional premium before your original policy'southward decease appointment.
• If we are unable to extend your detail policy'southward coverage due to the trip duration limits of your policy, yous may exist able to buy a new policy from us.

If you've purchased a multi-trip annual program, the following weather apply:

You may buy a top-up policy for the additional number of days beyond the elapsing covered by your multi-trip almanac plan as follows:

• Before your effective date, you lot may contact us at ane-866-896-8172 to purchase top-up coverage.
• Later on your effective date and if you have not had a medical condition during your trip, you lot must contact u.s.a. at 1-866-896-8172 before your original policy'southward expiry date to purchase acme-upward coverage.
• After your effective appointment and if you have had a medical condition during your trip, you must contact Allianz Global Assist before your original policy's expiry appointment to asking blessing for and to buy summit-up coverage.
• The terms, conditions and exclusions of the new pinnacle-up policy apply to you.
• You must pay the required acme-up premium on or earlier the effective date of the top-up period.

If yous do Non superlative-up your coverage for a trip, you will not be covered for any claims y'all make outside the period of insurance for that trip. If the tiptop-upwards policy you are purchasing requires you to complete health questions, you must consummate the health questions.

Please run across the policy documents for complete coverage details regarding trip extensions.

It may, only non ever. Nosotros recommend that yous carefully review the travel insurance coverage provided by your credit card, as well as any special conditions or stipulations.

Do you lot have an RBC Royal Bank^® credit menu?

To review the travel insurance coverage that comes with your RBC Royal Bank credit card, visit: www.rbcroyalbank.com/cards/documentation/index.html and click the "Insurance Certificate" link for your carte.

We recommend that y'all carefully review your government wellness plan coverage. Authorities plans may not cover all emergency medical expenses once you lot leave your home province/territory and typically cover but a limited portion in one case yous leave the country. In fact, the Canadian Government (Foreign Affairs, Trade and Development Canada) urges Canadians to buy supplemental health insurance when leaving the country. They say:

Do not rely on your provincial or territorial health plan to embrace costs if you get sick or are injured while abroad. Out-of-country health care can be costly, and your health program may not embrace any medical expenses away. 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.²

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

Unlike regime wellness insurance plans, our insurance offers you:

• Unlimited coverage for eligible medical expenses^one
• Upward-front payment of eligible medical expenses whenever possible
• 24-hr, multilingual emergency medical help—one toll-costless telephone call puts yous in touch on with a multilingual professional person who will refer you to a local dr. or facility in order for you lot to receive the intendance you need

Government health insurance plans also don't provide coverage for situations such as lost, damaged or delayed baggage or trip counterfoil and interruption. Our travel insurance tin provide these coverages and more.

Yes, you practice 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 blow tin happen at any time, whether y'all're on the road for a few days, or a few months. And recollect, the cost of wellness intendance is very expensive in the United States and very little of this cost would be covered by your government health insurance program, credit bill of fare or company benefits plan. For a brusque trip, the cost of travel insurance is minimal, and it gives you the protection y'all need.

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 authorize as an emergency (for example, the decease or serious disease of a family unit member). The price of cancelling a trip prior to departure can be very expensive, every bit almost trips are non-refundable and/or non-transferable, particularly if you accept to abolish only before leaving on your trip. Having to return early on from a trip can likewise be very expensive. Either way, trip counterfoil and interruption insurance is very important to protect your travel investment.

You must buy coverage before parting on your trip. Y'all may do good from purchasing coverage as soon equally you make your initial trip eolith, peculiarly if you are purchasing trip cancellation and pause insurance—either as stand-alone coverage or as role of i of our insurance packages.

If you were to book your trip half-dozen months in advance, consider the unexpected situations that could occur in that time.

If y'all purchase travel insurance from RBC Insurance, we will pay the eligible bills directly to the hospital or physician whenever possible.

There are a number of sports that are not covered during your trip. For more than details, meet the Exclusions section of the individual policy document.

You may purchase a superlative-upwards policy for the actress number of days beyond the duration covered by your multi-trip annual plan. Here are the conditions:

• Before your effective date, yous may contact us at one-866-896-8172 to purchase top-up coverage.
• Later on your effective engagement and if you lot have not had a medical condition during your trip, you must contact us at 1-866-896-8172 earlier your original policy'due south expiry date to purchase superlative-upwards coverage.
• After your effective date and if you have had a medical status during your trip, you must contact Allianz Global Assist before your original policy's death date to request approving for and purchase top-up coverage.
• The terms, conditions and exclusions of the new height-up policy apply to you.
• You must pay the required summit-upwards premium on or earlier the effective date of the height-upward menstruum.

If you practice Non tiptop-upwardly your coverage for a trip, yous volition not be covered for any claims you make outside the flow of insurance for that trip. If the pinnacle-up policy you are purchasing requires you to complete wellness questions, yous must complete the health questions.

Please come across the policy document for complete coverage details regarding top-up coverage.

If y'all purchase one of our travel medical insurance plans—either Classic Medical or TravelCare^® Medical—y'all can, subject to certain conditions:

• If you are travelling for more than 183 days, you may buy single trip coverage for upwardly to 365 days provided that y'all are covered under your government wellness programme for the total duration of your trip.
• If you are xl-74 years of age, you must also answer a few health questions, which will decide whether you are eligible to purchase coverage for trips beyond 183 days.

Yep, if you are travelling with your spouse/partner and children or other family members, you could save money with our family plan pricing.

The price of a trip can be a significant financial investment. A lot can also happen in the time betwixt booking your trip and departing—if a medical emergency or other unexpected effect prevents y'all from going on your trip, you could potentially lose some (or possibly all) of the money you paid.

With trip cancellation and pause insurance, y'all're protected when certain situations prevent y'all from travelling equally planned. Examples include:

• You can't travel due to an illness, job loss or immediate family member'due south medical emergency
• Y'all need to return home earlier than scheduled because of a family emergency or medical condition

Annotation: We strongly recommend that y'all purchase trip cancellation and interruption insurance at the time y'all pay your initial travel deposit. Please see the policy document for complete coverage details, including terms and atmospheric condition.

Yes! Tell them about our Visitors to Canada Plans, which offering affordable emergency medical protection to visitors, immigrants, strange students and Canadians without government health program coverage.

Nosotros strongly recommend you practice. Your insurance policy is a valuable source of information and contains provisions that may limit or exclude coverage. Please read it earlier you go, keep it in a safe place and carry information technology with y'all when you travel.

Discover & Learn

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This insurance is discipline to a maximum of $20,000 if you do non have valid authorities health insurance programme coverage in force for the total length of your trip. Please read the policy for all terms and atmospheric condition.

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Source: https://www.rbcinsurance.com/travel-insurance/index.html

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