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Your credit card can be more than just a great way to pay

Add extra coverage to your card

Take advantage of great services and extras that can offer security and protection in all kinds of situations.

  • Protect yourself financially with travel insurance
  • Get roadside assistance for yourself and add family members for no additional cost
  • Monitor your credit rating and detect signs of identity theft
  • Get coverage for your credit card balance

Travel Insurance

Several RBC Royal Bank® credit cards give you some travel insurance coverage if you pay for your trip in full with your card.

We can help make sure you're protected financially every time you travel with affordable trip cancellation and interruption insurance, emergency medical insurance and more.

Is Your Credit Card Coverage Enough?

If you paid for a trip in full using your RBC Royal Bank credit card, find out if your card has enough coverage for your trip.
See If I’m Covered


Get a Quote or Buy Travel Insurance

If you know you need to top up or buy coverage, get a quick quote and buy online now.



Roadside Assistance For Your Entire Family

Enjoy peace of mind with RBC Road Assist- roadside assistance you can easily add to your RBC credit card.

Roadside & Towing Assistance

  • Get a battery boost, gas delivery, flat tire change and more
  • Get help if you’re locked out of your car or if you’re stuck in mud, snow or a ditch
  • We’ll tow your vehicle in case of a breakdown

Family Coverage

  • Get coverage and add the entire family at no extra cost– you, your spouse, and child aged 16-22
  • Get assistance for a car that you own, rented, or even borrowed
  • Access service by phone or mobile app, 24/7

Traffic Accident Services

  • If you’re in an accident, we’ll tow you to the nearest repair facility
  • Access services such as car rental, return to location, meals accommodations reimbursement and more
  • We’ll connect you with a lawyer to help you make informed decisions

Sign Up Today

Take a look at our different coverage levels and choose the one that’s right for you and your family.

Sign up now

Complete Credit Protection with FirstReport

Get timely alerts, regular reports and monthly credit score updates to keep you informed about your credit file—and ready to take action if there’s potential identity fraud.

Credit Bureau Monitoring

  • Receive email and/or text messages when there’s a change in your Equifax Canada or Transunion Canada credit file which could indicate identity theft, such as when new accounts are opened, inquiries are made, or your address changes

Credit Bureau Report

  • Receive an updated Equifax Canada credit report every quarter informing you of any changes to your credit history that you should be aware of

Credit Score

  • FirstReport provides you with monthly up-to-date credit scores from Equifax Canada, including your progress over time.

Combine with Identity Theft Protection

  • You can combine FirstReport-Credit with FirstReport-ID for complete identity theft protection through FirstReport-Advantage

Sign Up Today

All first-time customers can take advantage of a Free 30 Day Trial of FirstReport. Simply visit the FirstReport website or call 1-855-826-5328 to sign-up today.

Sign up online

BalanceProtector Insurance

Protection so your Credit Card does not become a burden to you or your family should the unexpected happen. BalanceProtector Premiere® Plus covers you for:

BalanceProtector Premiere Plus covers you for:

  • Loss of Life
  • Critical Illness
  • Accidental Dismemberment1
  • Receive up to a $25,000 lump-sum payment on your outstanding balance
  • Spousal coverage included at no extra cost
  • Total Disability
  • Involuntary Unemployment2
  • Loss of Self-Employment Income
  • Receive a monthly benefit of up to 10% of your outstanding balance, for up to 10 months (to a maximum of $25,000)
  • Disability Requiring Hospitalization for Accidental Injury
  • Receive a single payment of up to 10% of your account balance for each 24-hour period of hospitalization (to a maximum of $25,000)

We celebrate your Lifetime Milestones!

Each time you reach a Lifetime Milestone (such as the purchase of a new home), you will receive a single payment of up to 10% of your outstanding credit card balance (to a maximum account balance of $25,000)!

How the pricing works
  • Your coverage: $25,000 maximum benefit; up to 10% of your account balance for up to 10 months for Total Disability, Involuntary Unemployment, and Loss of Self-Employment Income.
  • You pay: $1.19 per $100 of your insured balance3. At age 70, the monthly premium rate is $0.59 per $100 of your insured balance.

If your insured balance is $500, you pay $5.95 per month + applicable taxes for coverage.

You do not have to pay a premium during months when you have no card activity and no previous balance has been carried forward. Plus, you will receive a refund in the amount of the premium charged to your account as of Statement Date prior to your date of loss while on a claim for Total Disability, Involuntary Unemployment, Loss of Self-Employment Income and Lifetime Milestones Service.


Apply today...it’s quick and easy!

Your acceptance is automatic and you can cancel at any time.

Visit Us
Sign in to Online Banking

Under “My Accounts” select the credit card for which you want coverage. Scroll down and select “Apply for BalanceProtector Premiere Plus”.

Sample Certificate of Insurance

Complete Identity Protection with FirstReport

FirstReport-ID monitors public websites for your personal information and credit cards numbers,. In the event of identity theft, FirstReport-ID provides a range of options to help you restore your identity.

Personal Information & Card Monitoring

  • Get informed if your personal information or your registered card number(s) are found on public websites. Please note you must register your cards and information to enable monitoring

ID Restoration Assistance

In the event of identity theft, FirstReport-ID provides a range of support options to help you restore your identity, including guided assistance and step-by-step support throughout the entire process.

Emergency Travel Assistance

If you experience theft or loss while travelling, we will make arrangements to have emergency cash and airline tickets made available to you by charging them to a credit card provided.

Combine with Credit Monitoring

You can also combine FirstReport-ID with FirstReport-Credit for complete identity theft and credit monitoring through FirstReport-Advantage.


Sign Up Today

All first-time customers can take advantage of a Free 30 Day Trial of FirstReport. Simply visit the FirstReport website or call 1-855-826-5328 to sign-up today.

Sign up online