Travel Insurance for RBC Clients¹

Possibly. Depending on your age, medical condition and, if applicable, your answers to our health questions, pre-existing medical conditions Definition opens in new window are covered if they are stable Definition opens in new window for a certain time period (as specified in your policy) before your policy's effective date.

Note: Please refer to the certificate of insurance document for complete coverage details regarding pre-existing conditions.

Your answers to the health questions (if applicable) will be used to help determine the benefits you are eligible to receive under your certificate of insurance.

When answering the health questions:

• Take your time. The questions may take up to 10 minutes to complete.
• You (the applicant) should complete the Medical Questionnaire. (If you have someone else complete the Medical Questionnaire on your behalf, it is still your responsibility to make sure the answers to the questions are correct.)
• Read and answer each question carefully and accurately. Review your answers to confirm they are correct. Incorrect answers may lead to your coverage being voided or your claim denied.
• Have your prescriptions or a description of your medications nearby for reference.
• If you are unsure about any questions regarding your medical condition Definition opens in new window or medications, please speak to your physician.

If necessary, a family member or close friend can complete the questions on your behalf. Please keep in mind, however, that it is still your responsibility to make sure the answers are correct.

Yes, it is recommended that you buy coverage for your spouse as well.

The right coverage for your trip depends on several factors, including (but not limited to) where you're travelling to, how long you’ll be gone, the kind of transportation you'll be using and, in some instances, your overall health. View all of our travel insurance products now.

It may, but not always. We recommend that you carefully review the travel insurance coverage provided by your credit card, as well as any special conditions or stipulations.

Do you have an RBC Royal Bank^® credit card?

Review the travel insurance coverage that comes with your RBC Royal Bank credit card.

We recommend that you carefully review your government health plan coverage. Government plans may not cover all emergency medical expenses once you leave your home province/territory and typically cover only a limited portion once you leave the country. In fact, the Canadian Government (Foreign Affairs, Trade and Development Canada) urges Canadians to purchase supplemental health insurance when leaving the country. They say:

Do not rely on your provincial or territorial health plan to cover costs if you get sick or are injured while abroad. Out-of-country health care can be costly, and your health plan may not cover any medical expenses abroad. It is your responsibility to seek information from your provincial or territorial health authority and to obtain supplementary travel insurance and understand the terms of your policy.³

Plus, government health insurance plans don't guarantee coverage for special care (air ambulance or emergency dental services, for instance).

Unlike government health insurance plans, our insurance offers you:

• Unlimited coverage for eligible medical expenses²
• Up-front payment of eligible medical expenses whenever possible
• 24-hour, multilingual emergency medical assistance—one toll-free phone call puts you in touch with a multilingual professional who will refer you to a local doctor or facility in order for you to receive the care you need

Government health insurance plans also don't provide coverage for situations such as lost, damaged or delayed baggage or trip cancellation and interruption. Our travel insurance can provide these coverages and more.

Yes, you do need travel insurance to protect yourself against the unexpected, even if you are going to the United States for a few days. An illness or accident can happen at any time, whether you're on the road for a few days, or a few months. And remember, the cost of health care is very expensive in the United States and very little of this cost would be covered by your government health insurance plan, credit card or company benefits plan. For a short trip, the cost of travel insurance is minimal, and it gives you the protection you need.

If you purchase trip cancellation and interruption insurance, it will help pay for your expenses to return home in the event of a covered emergency. There are a number of circumstances that qualify as an emergency (for example, the death or serious illness of a family member). The cost of cancelling a trip prior to departure can be very expensive, as most trips are non-refundable and/or non-transferable, especially if you have to cancel just before leaving on your trip. Having to return early from a trip can also be very expensive. Either way, trip cancellation and interruption insurance is very important to protect your travel investment.

You must purchase coverage before departing on your trip. You may benefit from purchasing coverage as soon as you make your initial trip deposit, especially if you are purchasing trip cancellation and interruption insurance—either as stand-alone coverage or as part of one of our insurance packages.

If you were to book your trip 6 months in advance, consider the unexpected situations that could occur in that time.

If you purchase travel insurance from us, we will pay the eligible bills directly to the hospital or physician whenever possible.

There are a number of sports that are not covered during your trip. For more details, see the Exclusions section of the certificate of insurance document.

You may purchase a top-up policy for the extra number of days beyond the duration covered by your multi-trip annual plan. Here are the conditions:

• Before your effective date, you may contact us at 1-800-565-3129 to enroll in top-up coverage.
• After your effective date and if you have not had a medical condition Definition opens in new window during your trip, you must contact us at 1-800-565-3129 before your original expiry date to purchase top-up coverage.
• After your effective date and if you have had a medical condition Definition opens in new window during your trip, you must contact Allianz Global Assistance before your original expiry date to request approval for and enroll in top-up coverage.
• The terms, conditions and exclusions of the new top-up insurance apply to you.
• You must pay the required top-up premium on or before the effective date of the top-up period.

If you do NOT top-up your coverage for a trip, you will not be covered for any claims you make outside the period of insurance for that trip. If the top-up insurance you are purchasing requires you to complete health questions, you must complete the health questions.

Please see the certificate of insurance document for complete coverage details regarding top-up coverage.

If you purchase one of our travel medical insurance plans—either Classic Medical or TravelCare^® Medical—you can, subject to certain conditions:

• If you are travelling for more than 183 days, you may purchase single trip coverage for up to 365 days provided that you are covered under your government health plan for the full duration of your trip.
• If you are 40-74 years of age, you must also answer a few health questions, which will determine whether you are eligible to purchase coverage for trips beyond 183 days.

Yes, if you are travelling with your spouse/partner and children or other family members, you could save money with our family plan pricing.

The cost of a trip can be a significant financial investment. A lot can also happen in the time between booking your trip and departing—if a medical emergency or other unexpected event prevents you from going on your trip, you could potentially lose some (or possibly all) of the money you paid.

With trip cancellation and interruption insurance, you're protected when certain situations prevent you from travelling as planned. Examples include:

• You can't travel due to an illness, job loss or immediate family member's medical emergency
• You need to return home earlier than scheduled because of a family emergency or medical condition Definition opens in new window

Note: We strongly recommend that you purchase trip cancellation and interruption insurance at the time you pay your initial travel deposit. Please see the certificate of insurance document for complete coverage details, including terms and conditions.

We strongly recommend you do. Your certificate of insurance is a valuable source of information and contains provisions that may limit or exclude coverage. Please read it before you go, keep it in a safe place and carry it with you when you travel.