It's not a question of being able to afford travel
insurance. It's more a question of can you afford to
travel without it?
When you're travelling, even a minor accident or sickness can become a major expense and inconvenience. So whether your plans include a trip outside your home province or territory, to the U.S. or to another continent, having travel insurance will go a long way toward ensuring you enjoy your time away.
Please take a moment to review some of the reasons why travel insurance should be an important part of planning your trip:
Government Health Insurance Plans Don't Cover
Everything
Anytime you leave Canada—even for a few hours—without travel medical insurance, you're taking a big risk. Like many Canadians, you might be surprised to know that when you travel outside Canada, you leave up to 90% of your government health insurance plan (GHIP) behind.1 Government health insurance plans also typically cover only a limited portion of medical costs once you leave your home province or territory, even if you are still in Canada.
Plus, unlike a GHIP, a travel insurance plan can also offer benefits such as Baggage & Personal Effects Insurance, Flight & Travel Accident Insurance, and Trip Interruption/After Departure Insurance.
So, whether you're travelling out of the country, or just out of your own province, make sure you understand what you're covered for and that you have purchased supplemental travel insurance to fill any gaps. This includes reviewing what coverage, if any, is provided by a benefits plan you may have through your employer.
Credit Cards Don't Cover Everything
Some credit cards cover basic health insurance when you are travelling outside your province/territory of residence or Canada. However, there may be important distinctions between what Travel HealthProtector® insurance covers and what your credit card's insurance plan covers. Before you take a trip, it's a good idea to review any coverage provided by your credit card(s) to decide whether you need additional insurance.
Our Travel Insurance Offers Unique Protection
In a world where anything can happen, Travel HealthProtector insurance is your ticket to safeguarding your trip. For instance, what if you had to:
Cope with an emergency in a foreign country?
You're on your dream vacation in a foreign country and chances are you may not speak the language. How would you get help during an emergency? Our multilingual coordinators understand your coverage and can help you find the care you need. Simply call us 24 hours a day, seven days a week, no matter where you are in the world.
Pay out-of-pocket for medical expenses?
If you become sick or injured while travelling, your government health insurance plan would only cover a fraction of the medical costs.
Imagine a medical emergency that requires being taken by air ambulance to the nearest hospital. As you can see from the chart, treatment can easily run into the tens of thousands of dollars.
Emergency travel medical insurance can help cover these costs. Plus, RBC Royal Bank® offers up-front payment on claims whenever possible.
Suddenly rush home because of an emergency?
If you have to return home early, you could incur some serious expenses. Trip Interruption/After Departure Insurance can help reimburse you when your travel arrangements don't go according to plan.
Replace lost baggage or personal effects?
Don't let your vacation be ruined if your luggage or personal effects, such as a passport, become damaged or lost. Baggage & Personal Effects Insurance helps cover some of the replacement costs so you can get back to enjoying your trip.
Buy travel insurance as though you're going to use it.
No one takes a trip assuming the worst. But should something happen, it's good to know that you and the people you care about will be protected.
An essential part of every trip, travel insurance is a small expense for a tremendous amount of confidence!
Learn about Plans and Coverages for Travel HealthProtector Insurance.
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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