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Value Added Services

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.


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.

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
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.

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:

  • 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
Related Links

BalanceProtector Premiere Plus plan is optional creditor's group 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 Assurant. ® Assurant is a registered trademark of Assurant, Inc.

1) Life and Accidental Dismemberment coverage is available up until age 80.

2) Involuntary unemployment due to strike or lockout, dismissal without cause or involuntary layoff.

3) 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.

Complete Identity Protection with FirstReport™

FirstReport™ 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 1-855-826-5328 to sign-up today.

Sign up online
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 1-855-826-5328 to sign-up today.

Sign up online
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.