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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
- BalanceProtector Insurance
- Identity Theft Protection
- Credit & Identity Protection
- RBC Road Assist
- Travel Insurance
Balance Protection Credit Card Insurance
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:
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.
Eligible Lifetime Milestones
- Purchase of a home
- Birth/adoption of a child
- Final mortgage payment
- Marriage
- Graduation from post-secondary education or a professional certification/designation
- Retirement
- First job post-secondary graduation
Note: A maximum of 2 Milestones in a 12-month period will be paid. No benefit is payable for any Lifetime Milestone within the first 30 days from enrollment date.
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.
View Certificate of InsuranceView Summary and Fact Sheet (for Quebec residents only)
Related Links
1. BalanceProtector Premiere Plus plan is optional group creditor's insurance underwritten by American Bankers Life Assurance Company of Florida (ABLAC) and American Bankers Insurance Company of Florida (ABIC). ABLAC, ABIC, their subsidiaries, and affiliates carry on business in Canada under the name of Assurant.
2. Life and Accidental Dismemberment coverage is available up until age 80.
3. Quebec: A Spouse cannot be covered under the Certificate of Insurance if the Primary cardholder enrols in the Province of Quebec.
4. Involuntary unemployment due to strike or lockout, dismissal without cause or involuntary layoff.
5. Insured balance means (a) Average Daily Balance, for Insureds who reside in Quebec or (b) outstanding account balance calculated as of the Statement Date, for all other Insureds.
6. To be eligible to enrol the credit card must be eligible for coverage, you are the primary cardholder and you are at least 18 years of age and less than 65 years of age on the date of application.
Complete Identity Protection with FirstReportTM
FirstReportTM runs on the technology that helps safeguard over 500,000 Canadians against the fallout of Identity Theft and Online Fraud1
Online monitoring
- FirstReport monitors public, underground and black market websites to identify signs of suspicious activity related to your registered personal and financial information.
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.
Immediate Alerts
Receive alerts about certain suspicious activity, via your preferred contact method, so you can take action right away.
Historical Alert Scan
FirstReport-ID provides a historical scan of registered personal and financial information and will advise you of any suspicious activity, even it if happened months or years ago.
1 in 3 Canadians have fallen victim to financial fraud.
Find out if your email address is putting you at risk — visit the FirstReport website.
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 1-855-826-53281-855-826-5328 to sign-up today.
Related Links
1) D+H Cheque Services Corporation
© D+H. All rights reserved. FirstReport services are provided by D+H Cheque Services Corporation. FirstReport, D+H and associated logos and designs are trademarks of D+H Cheque Services Corporation.
Credit & Identity Protection
Receive alerts to flag certain suspicious activity. FirstReport-Advantage™ provides monitoring from both Equifax Canada and TransUnion Canada, so you get early warning of potential identity theft, no matter which credit bureau the warning originates from.
Credit Score & Credit Report
- Keep track of your monthly credit standing so you’re always in the know and have access to a full credit report from Equifax Canada every quarter to help you identify any changes to your credit history.
Online monitoring
Monitoring of public, underground and black market websites to identify signs of suspicious activity related to your registered personal and financial information.
ID Restoration Assistance
In the event of identity theft, FirstReport-Advantage provides a range of support options to help you restore your identity, including guided assistance and step-by-step support throughout the entire process.
Historical Alert Scan
FirstReport-Advantage provides a historical scan of registered personal and financial information and will advise you of any suspicious activity, even if it happened months or years ago.
1 in 3 Canadians have fallen victim to financial fraud.
Find out if your email address is putting you at risk — visit the FirstReport website.
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 1-855-826-53281-855-826-5328 to sign-up today.
Related Links
© D+H. All rights reserved. FirstReport services are provided by D+H Cheque Services Corporation. FirstReport, D+H and associated logos and designs are trademarks of D+H Cheque Services Corporation.
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.
Related Links
®/™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.RBC Road Assist services are provided by Dominion Automobile Association. Member accounts are administered by D+H Limited Partnership, an independent third party service provider. RBC and its affiliates accept no liability in respect of these services.
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.
Call Related Links
®/™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
Coverage underwritten by RBC Insurance Company of Canada. In Quebec, certain coverages underwritten by Aviva General Insurance Company.