Does your travel insurance really have you covered?

The thing about accidents and illness is you never know when they’ll strike. That’s where RBC Travel HealthProtector^® insurance comes in. It can help you to protect yourself when you leave home, whether it’s for a few months down south, a trip to Europe or a day-long cross-border excursion. With the increasing cost of medical care, Travel HealthProtector insurance is an essential part of every trip.

Does your insurance have you covered?

You may already have travel insurance coverage under an existing plan, such as your credit card or an employer-sponsored plan.

But these sources may not have the right type or amount of coverage for your individual needs. Consider these questions:

1. Are you covered for emergency medical expenses? Is there a maximum limit?
2. Do you have round-the-clock, live support in an emergency?
3. Does the insurance company pay up-front for medical emergencies?
4. Are you covered for pre-existing medical conditions?
5. Are you covered if required to return home due to a family medical emergency?

When planning your next trip, it’s important to investigate any existing coverage you may already have. Then, take the steps to fill in the gaps of missing coverage.

How Travel HealthProtector insurance takes care of you

RBC Travel HealthProtector insurance provides a broad range of coverage, and that means we’re here for you when you need help:

• We pay your covered medical costs — up front whenever possible. Travel HealthProtector insurance provides you with unlimited coverage for out of province/country emergency medical expenses. Coverage for emergency services includes x-rays, diagnostic tests, ambulances and professional medical services. We’ll pay all covered medical expenses directly to the doctor or hospital whenever possible.
• Access a team of professionals 24/7. You get round-the-clock, live support, in your language of choice.
• Coverage for stable¹ pre-existing medical conditions. As long as your pre-existing medical condition has been stable for at least 90 days², you can be covered while you’re away from home.

The added protection of Enhanced Coverage

Travel HealthProtector insurance not only offers medical coverage you can count on, the enhanced plan can also provide you with coverage if you suddenly have to interrupt your trip due to an emergency, for lost or stolen baggage or a travel accident.

We’ll reimburse you for costs incurred if your trip is interrupted because of an insured medical emergency involving you, a member of your immediate family, your travelling companion or your companion’s immediate family member.

Enhanced Coverage also provides coverage for the loss of your baggage and damage or theft of personal property on the trip, and provides flight and travel accident insurance.

In short, RBC Travel HealthProtector insurance works with you to get you back on your feet as quickly as possible in almost any travel emergency. Does your plan do all this?

The right coverage for your circumstances

Travel HealthProtector insurance picks up where other plans leave off. Travel insurance is now an essential part of every trip. It’s a small cost to pay to travel with confidence. Consider Travel HealthProtector insurance as part of your travel plans.

RBC Travel HealthProtector insurance is quick, easy and inexpensive to arrange. Purchase it online, call 1-866-774-3065 or visit any RBC branch.

Underwritten by RBC Insurance Company of Canada. In Quebec, certain coverages underwritten by RBC General Insurance Company.

¹ Stable definition– your medical condition would be considered Stable if there have been no changes in medication, treatment, test results, surgery or you are not awaiting further medical tests

² Certain rate categories require stability of 180 days for clients age 60 or older.

Coverage is subject to policy terms and conditions. Please see certificate of insurance for complete details.

^® Registered trademarks of Royal Bank of Canada. Used under licence.