Travellers Over Age 60

Plans and Coverages for Travellers 60 and Over

If you're a frequent traveller or a Snowbird who enjoys the Florida sunshine several months a year, you probably know the unexpected can happen suddenly. You may also know that you leave up to 90% of your government health insurance plan (GHIP) behind when you travel outside Canada.⁽¹⁾

Travel HealthProtector^® insurance is a cost-effective way to help safeguard not only your health, but your finances.

• A single 15-day trip could cost less than $75 for someone age 65-69.
• No medical questions required to be completed for a single trip up to 15 days for those under age 75.
• Clients aged 60-74 who are travelling 15 days or less and choose not to fill out a medical questionnaire will automatically be placed into Category C.
• For clients that are 60 years of age and over, you’ll be accepted into one of the five rate categories below, regardless of your health, after answering a few simple medical questions. To determine what category you fit into, get an online quote today or pick up a brochure at your local RBC Royal Bank^® branch.

Category	Are unlimited emergency benefits included?	Number of days your condition must be stable	Your deductible
A		No pre-existing medical condition applies	No automatic deductible applies; however you can reduce the cost of your insurance by choosing a deductible of $200 or $500 USD
B		90	Same as above
C		180	Same as above
D		180	Same as above
E	Excludes Coverage for medical conditions existing in the 180 days prior to your departure date		$200 USD

Note: Definitions of specific current medical conditions and other details of coverage can also be found in the Certificate of Insurance  (Adobe* Reader* software required). Be sure you understand any limitations and exclusions that may affect your plan by reading this. You may also find the Certificate of Insurance in the back pocket of the brochure at your local branch.

Who's Eligible?

1) Travel Insurance: Ensure you have the protection you need before you leave, RBC Insurance, 2005.