FAQs
Here, we answer the most commonly asked questions about Travel HealthProtector® insurance and travel insurance in general:
- Why do I need travel insurance?
- Does my government health insurance plan cover me?
- Who is the insurer for Travel HealthProtector insurance?
- What are the benefits of Travel HealthProtector insurance?
- Who is eligible to purchase Travel HealthProtector insurance?
- When does Travel HealthProtector insurance coverage begin?
- When does Travel HealthProtector insurance coverage end?
- Can coverage be extended during my trip?
- What assistance services are available?
- When should I call if there is an emergency?
- How do I get a quote or buy Travel HealthProtector insurance?
1. Why do I need travel insurance?
When you're travelling, even a minor accident or sickness can become a large expense. The cost of a hospital bed in the U.S. could cost as much as $10,000 per day. Beyond medical benefits, travel insurance may provide coverage for lost or damaged baggage, reimbursement of expenses due to trip interruption, and flight and travel accident insurance.
2. Does my government health insurance plan cover me?
Whether your next vacation is out-of-country or out-of-province, government health insurance plans may only cover a portion of expenses related to a medical emergency. The reality is that when you leave Canada you're leaving up to an average of 90% of your GHIP behind1.
3. Who is the insurer for Travel HealthProtector insurance?
Travel HealthProtector insurance is underwritten by RBC Insurance Company of Canada, the leading provider of travel insurance in Canada.
4. What are the benefits of Travel HealthProtector insurance?
Travel HealthProtector insurance provides comprehensive coverage through the following benefits:
The Basic Plan provides:
- Unlimited Emergency Medical Hospital Coverage
- Emergency Dental Coverage
- Emergency Medical Transportation
- Other Professional Services
- Companion Transportation
- Subsistence Allowance
- Emergency Message Centre
- Return to your Trip Destination
- Return of your Dog or Cat
- Return of your Excess Baggage
The Enhanced Plan provides:
- All of the Benefits of the Basic Plan PLUS
- Trip Interruption/After Departure Insurance
- Baggage & Personal Effects Insurance
- Flight & Travel Accident Insurance
Please refer to the Certificate of Insurance for full details.
5. Who is eligible to purchase Travel HealthProtector insurance?
Regardless of your age or medical condition, all applicants are eligible to purchase Travel HealthProtector insurance provided you are:
- a client of RBC®, or a spouse, natural, adopted child, or step-child of a client; and
- a resident of Canada covered under a government health insurance plan for the full duration of the trip (this insurance is subject to a maximum of $20,000, if you do not have valid government health insurance plan coverage at the time of a claim)
Note: RBC clients include customers of any company under RBC.
6. When does Travel HealthProtector insurance coverage begin?
For a Single-Trip Plan, coverage begins on the effective date shown in the Application for Insurance.
For an Multi-Trip Annual Plan, coverage begins the date you leave your Canadian province or territory of residence, for each trip taken during the period of insurance.
7. When does Travel HealthProtector insurance coverage end?
During the period of insurance, coverage ends on the date:
- you return to Canada; or
- on which you are scheduled to return from your trip (which is shown in the Application for Insurance under a Single-Trip Plan).
8. Can coverage be extended during my trip?
For Single Trips:
- a) You can extend coverage by calling the Enrollment Centre toll-free in North America at 1-800-565-3129 or collect from anywhere at 905-816-2577 provided no event has occurred that would give rise to a claim under the insurance and you request an extension before your coverage expires.
- b) If you have had a medical condition under your existing coverage, you must request the extension and get approval by contacting Assured Assistance Inc. before your return date.
For Multi-Trip Annual Plans:
Extensions are not available. Instead, you may top up your coverage by purchasing a Single-Trip Plan for the additional number of days beyond the duration provided by your Multi-Trip Annual Plan to a maximum of 183 days in total. Please call the Enrollment Centre toll-free in North America at 1-800-565-3129 or collect from anywhere at 905-816-2577.
9. What assistance services are available?
The following assistance services are available:
Medical Assistance and Consultation
When you have a medical emergency and you call the Assistance Centre, you will be directed to a medical service provider near you.
Payment Assistance
Whenever possible, the payment of medical services you receive will be coordinated through the Assistance Centre, communicated with your medical provider and billing arrangements will be discussed.
Emergency Message Centre
In case of a medical emergency, the Assistance Centre will help exchange important messages with your family, business or physician.
Replacement coordination for things like prescription eyeglasses or essential prescription medication.
Assistance with arranging for:
- Emergency cash
- Lost travel documents
- Legal referrals
- Bail bond transfers
10. When should I call if there is an emergency?
Immediately! As soon as something goes wrong, call the toll-free number on your wallet card. You should call before going for treatment or hospitalization. If you do not call, you may be responsible for up to 30% of the covered medical costs.
11. How do I get a quote or buy Travel HealthProtector insurance?
It's easy to get a quote or buy Travel HealthProtector insurance.
1 Travel Insurance: Ensure you have the protection you need before you leave, RBC Insurance, 2005
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