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Protection so your credit card does not become a burden to you or your family should the unexpected happen.

BalanceProtector Premiere Plus1 protects you in the event of:

BalanceProtector, Credit Card balance protection insurance
  • Loss of Life

  • Critical Illness

  • Accidental Dismemberment2

    A lump-sum payment of up to $25,000 can be paid towards your account balance.

    Coverage for the spouse included (except for residents of Quebec3)

  • Total Disability

  • Involuntary Unemployment4

  • Loss of Self-Employment Income

    A monthly benefit payment 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

    A single payment of up to 10% of your outstanding statement balance for each 24-hour period of hospitalization (to a maximum of $25,000)

We Celebrate Your Lifetime Milestones!

A single payment of up to 10% of your outstanding statement balance can be made (to a maximum account balance of $25,000) when you reach a Lifetime Milestone, such as the purchase of a new home.

 

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 balance5. At age 70, the monthly premium rate is reduced to $0.59 per $100 of your insured balance5.

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!

Enrolment is easy for eligible cardholders6 and you can cancel at any time.

Call 1-888-896-2766

Call 1-888-896-2766

(Mon-Fri: 8am-8pm, EST)

Sign In to Online Banking

Services and Protection For Every Situation

Identity Theft & Credit Protection

Identity Theft and Credit card Protection

Get 24/7 monitoring of your personal information to protect your identity and credit score.

RBC Road Assist

RBC Road Assist Insurance

Enjoy peace of mind when you’re on the road with 24 hour/ 365 day roadside assistance.

Travel Insurance

Travel Insurance add-on

Discover the travel coverage that comes with your card, plus optional add-on protection.