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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
What you may not realize, however, is the high cost of healthcare in countries like the United States. In Florida, a cardiac case including heart bypass and a 13-day hospital stay costs an average of $194,000 (CDN)!2 Without travel insurance, you could be responsible for up to 90% of these costs. In contrast, the Travel HealthProtector insurance premium for a single 15-day trip could cost less than $75 for someone age 65-69.
How Travel HealthProtector® Insurance Can Help
As the example above illustrates, travel insurance is a cost-effective way to help safeguard not only your health, but your finances. To learn more about our travel insurance plans and coverage options, please see:
You may also wish to review the category rates, deductibles and eligibility requirements:
Category Rates and Deductible Options
With Travel HealthProtector insurance, you'll be accepted into one of the five categories listed below, regardless of your health.
| Category |
Benefits |
Deductible |
| A |
Unlimited emergency medical benefits. |
No deductible required for Categories, A, B, C and D. However, you can reduce your premium costs by choosing a deductible.
Your options include:
$200 deductible (USD)
$500 deductible (USD) |
| B |
Unlimited emergency medical benefits provided any medical condition/related condition has been stable for 90 days prior to your departure date. |
| C and D |
Unlimited emergency medical benefits provided any medical condition/related condition has been stable for 180 days prior to your departure date. |
| E |
Excludes coverage for medical conditions existing in the 180 days prior to your departure date. |
Automatic deductible of $200 (USD) |
To determine your category:
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.
No Medical Questions for Single Trips up to 15 Days!
If you're under 75 years of age and your trip is 15 days or less, you can get Single-Trip coverage without answering any medical questions.
Who's Eligible?
You must be 60 years or older, a resident of Canada, and be covered by a government health insurance plan for the full duration of your trip. You must also purchase your coverage before your trip, and be a client of RBC Financial Group® (or be a spouse, child, adopted child, or step-child of the client).
1 Travel Insurance: Ensure you have the protection you need before you leave, RBC Insurance, 2005.
2 What You Need to Know About Out-of-Province Emergency Travel Insurance, RBC Insurance, June 9, 2005.
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