{"id":87999,"date":"2024-07-11T16:03:18","date_gmt":"2024-07-11T20:03:18","guid":{"rendered":""},"modified":"2024-09-11T09:38:28","modified_gmt":"2024-09-11T13:38:28","slug":"how-travel-insurance-with-a-credit-card-works","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/how-travel-insurance-with-a-credit-card-works\/","title":{"rendered":"How to Find the Best Credit Card for Travel Insurance"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/credit-and-debt\/\">\n\t\t\t\t\t\t\t<span>Credit and Debt<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">How to Find the Best Credit Card for Travel Insurance<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Royal Bank of Canada<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/07\/eva-darron-oCdVtGFeDC0-unsplash-1.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"A view from the side of an airplane\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/07\/eva-darron-oCdVtGFeDC0-unsplash-1.jpg 5774w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/07\/eva-darron-oCdVtGFeDC0-unsplash-1.jpg?resize=300,169 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/07\/eva-darron-oCdVtGFeDC0-unsplash-1.jpg?resize=768,432 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/07\/eva-darron-oCdVtGFeDC0-unsplash-1.jpg?resize=1024,576 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/07\/eva-darron-oCdVtGFeDC0-unsplash-1.jpg?resize=1536,864 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/07\/eva-darron-oCdVtGFeDC0-unsplash-1.jpg?resize=2048,1152 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=How to Find the Best Credit Card for Travel Insurance &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/how-travel-insurance-with-a-credit-card-works\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/how-travel-insurance-with-a-credit-card-works\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published July 11, 2024 \u2022 17 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<div class=\"wp-block-group mar-b-hlf has-cool-white-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Table of Contents<\/h2>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item is-style-default default\">\n<p class=\"is-style-default default\"><a href=\"#ins-1\" data-dig-id=\"LP-87999-02071740\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"How does credit card travel insurance work?\" class=\"rbc-link-format\">How does credit card travel insurance work?<\/a><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item is-style-default default\">\n<p><a href=\"#ins2\" data-dig-id=\"LP-87999-c56aa0d1\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"How to make the most of your credit card travel insurance\" class=\"rbc-link-format\">How to make the most of your credit card travel insurance<\/a><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item is-style-default default\">\n<p><a href=\"#ins3\" data-dig-id=\"LP-87999-b4609083\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"What to consider when looking for the best Credit Card for Travel Insurance for You\" class=\"rbc-link-format\">What to consider when looking for the best Credit Card for Travel Insurance for You<\/a><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default\"><a href=\"#ins4\" data-dig-id=\"LP-87999-fe2d152a\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Types of travel insurance included with credit cards\" class=\"rbc-link-format\">Types of travel insurance included with credit cards<\/a><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"#ins5\" data-dig-id=\"LP-87999-a7b4e100\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"What are the advantages of credit card travel insurance?\" class=\"rbc-link-format\">What are the advantages of credit card travel insurance?<\/a><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"#ins6\" data-dig-id=\"LP-87999-92dde62d\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"How to apply for a credit card with travel insurance\" class=\"rbc-link-format\">How to apply for a credit card with travel insurance<\/a><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"#ins7\" data-dig-id=\"LP-87999-82309fe6\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Frequently asked questions about credit card travel insurance\" class=\"rbc-link-format\">Frequently asked questions about credit card travel insurance<\/a><\/p>\n<\/li>\n<\/ul>\n<\/div>\n\n\n\n<p>Many credit cards offer&nbsp;the convenience of&nbsp;embedded travel insurance, meaning you can leave the task of buying additional insurance off your to-do list and potentially save money. However, between the different coverages and features, choosing the travel insurance credit card that\u2019s right for you may be challenging.<\/p>\n\n\n\n<p>To help you choose the card for you, here\u2019s information on how travel insurance on credit cards works, how to make the most of your travel insurance, and the different types available to Canadians.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"ins-1\">How does credit card travel insurance work?<\/h2>\n\n\n\n<p>Most travel rewards cards offer travel insurance as a benefit. Unlike other forms of travel insurance, credit card travel insurance is included in the card&#8217;s annual fee, so you don\u2019t have to purchase it separately before a trip.<\/p>\n\n\n\n<p>Travel insurance on credit cards may cover anything from emergency medical treatment to&nbsp;trip cancellations, and some cards may include more types of travel coverage than others. Typically, to be eligible for coverage, purchases like flights, hotel stays, and car rentals must be paid for with your credit card&nbsp;in full.<\/p>\n\n\n\n<p>In most cases, you won\u2019t need to do anything else to activate the travel insurance on your credit card. However, read your credit card\u2019s certificate of insurance. The certificate explains your insurance coverage in detail. It will help you understand the types of travel insurance included, when coverage begins and ends, the number of days you\u2019re covered for, the maximum coverage amounts, and any limitations and exclusions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"ins2\">How to make the most of your credit card travel insurance<\/h2>\n\n\n\n<p>The travel insurance included with your credit card is an easy and convenient way to help protect yourself when you travel. However, you might do a few things to help get the most out of your benefits.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Read the fine print<\/h3>\n\n\n\n<p>The most important thing to do \u2014 even before you book your trip \u2014 is to read your credit card\u2019s certificate of insurance. You\u2019ll get this certificate when you get your credit card. You can usually find a link to it on your credit card provider&#8217;s website.<\/p>\n\n\n\n<p>Make sure you understand all the requirements, limitations, and exclusions of your credit card travel insurance so you don\u2019t face any unpleasant or costly surprises later. If you still have questions, call the phone number on the card to speak with an agent.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Save all the receipts from your trip<\/h3>\n\n\n\n<p>It\u2019s good practice to save the receipts for all the major purchases related to your trip, such as flights, hotels, tour packages, and car rentals. But remember, credit card travel coverage only applies to purchases made with your credit card. Also, if you experience a medical emergency during your trip, keep all the original bills, invoices, and receipts, as you will need them to make a claim.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Keep your insurance documents handy<\/h3>\n\n\n\n<p>You don\u2019t want to be scrambling to find your travel insurance during an emergency. Keep a copy of your certificate of insurance and any other relevant documents in a handy location, such as the inner pocket of your carry-on luggage. You can also email a copy to yourself and save it as a file on your mobile&nbsp;phone.<\/p>\n\n\n\n<p class=\"has-light-grey-background-color has-background\"><em>Tip:<\/em>&nbsp;If you have an RBC credit card with travel insurance, you can find a PDF version of your card\u2019s certificate of insurance on the&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/cardholders\/documentation.html\" data-dig-id=\"LP-87999-59592fb8\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Credit Card Documentation page\" class=\"rbc-link-format\">Credit Card Documentation page<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Save the contact information of the insurance provider<\/h3>\n\n\n\n<p>Before you leave for your trip, make sure you know how to contact your insurance provider. Your insurance provider will let you know what to do to ensure you are covered. You\u2019ll find the insurance provider\u2019s phone number on your certificate of insurance. You may also want to save the number to your phone.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Understand how to make a claim<\/h3>\n\n\n\n<p>It\u2019s important you understand how to make a claim before you leave for your trip, as you don\u2019t want to discover you\u2019re missing essential documents if you need them. Your certificate of insurance will outline all the steps for making a claim for each type of coverage (emergency medical, delayed baggage, auto rental collision, etc.).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Register your travel plans with the government of Canada<\/h3>\n\n\n\n<p>Though not directly related to travel insurance, if you\u2019re a Canadian citizen traveling abroad, you may want to&nbsp;<a href=\"https:\/\/travel.gc.ca\/travelling\/registration\" target=\"_blank\" data-dig-id=\"LP-87999-b7842cee\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"register your plans with the Canadian government\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">register your plans with the Canadian government<\/a>. This free service allows the government to send you important notifications in case of an emergency at your destination.<\/p>\n\n\n\n<p>Registering on the website can help make it easier for the government to contact you if you need help returning to Canada. It also allows the government to notify you of a personal emergency at home.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"ins3\">What to consider when looking for the best credit card for travel insurance for you<\/h3>\n\n\n\n<p>Before comparing&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/cardholders\/optional-add-on-services\/rbc-additional-travel-insurance.html\" data-dig-id=\"LP-87999-a88f8c84\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"credit cards with travel insurance\" class=\"rbc-link-format\">credit cards with travel insurance<\/a>, here are a few basic things to look out for so you can quickly narrow down your list.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Types of travel insurance coverage<\/h3>\n\n\n\n<p>Most travel credit cards include multiple types of travel insurance, such as emergency medical insurance,&nbsp;trip cancellation insurance, baggage&nbsp;insurance and car rental insurance. You\u2019ll find more details on that below.<\/p>\n\n\n\n<p>The types of coverage included can vary between cards, and some credit cards may also offer additional coverage, like travel insurance for people aged&nbsp;65+&nbsp;or hotel burglary insurance. Make sure the credit card you choose has suitable coverage for the traveling you plan to do.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Coverage amounts<\/h3>\n\n\n\n<p>The amounts of coverage can vary between credit cards. For example, one card may offer $1,000 in trip cancellation&nbsp;coverage per trip, while another may offer $1,500. Try to find a card that offers good value in terms of insurance coverage amounts.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Coverage duration<\/h3>\n\n\n\n<p>The time you\u2019re covered may also differ between credit cards, so if you compare similar offerings, you may want to go with the card offering a longer coverage period. For example, one card may offer emergency medical coverage for eight days of travel, while another may offer similar coverage for 15 days. In some cases, you may be able to purchase additional coverage to extend your coverage beyond the original term.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Age restrictions<\/h3>\n\n\n\n<p>Some travel insurance credit cards limit coverage based on age. Most commonly, coverage conditions will be different for seniors. For example, some credit cards may not offer medical travel insurance for people over 65 or may offer coverage for a shorter&nbsp;duration&nbsp;than for people younger than 65.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Covered persons<\/h3>\n\n\n\n<p>Some credit cards may cover only the cardholder, while others may also cover a spouse and\/or dependent&nbsp;children&nbsp;under 21, within certain limits. Additional cardholders (people other than the primary cardholder who have been approved to use the credit card) are also covered by some cards, but their spouses and dependent children under 21 may not be covered. Some cards also cover traveling companions who are not spouses or children. If you regularly travel with others, you may want to see if they can benefit from your travel coverage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Credit card requirements<\/h3>\n\n\n\n<p>Credit cards, including travel credit cards, have basic requirements, such as being the age of majority in your province or having a good credit score. Some credit cards have additional requirements, like a minimum personal or household income. Before you apply for a travel credit card, check to see if you meet its requirements.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Annual fees<\/h3>\n\n\n\n<p>Credit cards&nbsp;with travel insurance&nbsp;typically come with an annual fee. Those with a higher annual fee tend to offer more comprehensive coverage \u2014 additional types of travel insurance, higher coverage amounts, or extended coverage periods. However, a card with a lower annual fee may provide just the right coverage for your needs. Consider the extent of coverage you want when comparing cards.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"ins4\">Types of travel insurance included with credit cards<\/h3>\n\n\n\n<p>When comparing credit cards with travel insurance, you\u2019ll want to check which types of insurance they include. Below is a list of the most common types of travel insurance and what they cover.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Travel medical insurance<\/h3>\n\n\n\n<p>Travel medical insurance can help cover the costs for unexpected health issues you may have on your trip \u2014 especially those requiring emergency treatment. When you\u2019re experiencing a stressful situation, the last thing you\u2019ll want to worry about is the cost of your medical bills.<\/p>\n\n\n\n<p><strong>Typical expenses covered under medical insurance&nbsp;include<\/strong>: <\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item is-style-default default\">\n<p class=\"is-style-default default\">Emergency medical care for an injury or a sudden illness (like a broken leg or appendicitis)<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item is-style-default default\">\n<p>Medical evacuation (to Canada or to the nearest place that can provide appropriate medical care)<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item is-style-default default\">\n<p>Medical equipment such as crutches, a wheelchair, braces, canes, walkers, etc.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item is-style-default default\">\n<p>Prescription medications (excluding medications for pre-existing medical conditions)<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default\">Diagnostic procedures such as X-rays, lab tests (like bloodwork), and scans (like ultrasounds)<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Ground, air, or sea ambulance services<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Hospital accommodation, including expenses related to your stay, such as meals<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Outpatient services at a hospital<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Private nurse services while at a hospital<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Emergency dental care for pain relief or an accidental injury<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Repatriation in case of death \u2014 including the preparation and transportation of the remains, cremation or burial outside Canada, and a round trip for the person legally required to identify your remains<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Travel medical insurance for seniors<\/h3>\n\n\n\n<p>Medical insurance for seniors will cover similar expenses to those above, but most credit cards don\u2019t provide medical insurance for people aged 65 and above. If they do, they may provide limited coverage. For example, coverage will be for a shorter period than for younger people or have a higher deductible. Some credit cards also have additional limitations for those aged 75 and above.<\/p>\n\n\n\n<p>If you\u2019re a senior citizen planning to travel, choose a travel credit card that provides medical insurance for seniors and look closely at the coverage details.<\/p>\n\n\n\n<p>For example, some cards provide <a href=\"https:\/\/online.worldprotect.com\/weblinkca\/en\/card-coverage\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-87999-55330c07\" data-dig-label=\"medical insurance for cardholders aged 65 and above\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">medical insurance for cardholders aged 65 and above<\/a>, but only the first 3 to 7 consecutive days of the trip are covered. Review the certificate of insurance carefully before you leave for your trip. In some cases, you may want to purchase additional coverage to extend your coverage period.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Trip cancellation\/interruption insurance<\/h3>\n\n\n\n<p>Sometimes, due to unforeseen circumstances, you may need to cancel your trip before you leave or return home earlier than you planned. For example, you may experience a sudden illness or a death in the family or be notified of a severe storm in your destination.<\/p>\n\n\n\n<p>Trip cancellation insurance covers some of the expenses you\u2019ve already paid for your trip, including non-refundable expenses like flight tickets or organized tours. This type of insurance is important as it allows more flexibility with your plans and could help you save hundreds or even thousands of dollars.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Flight delay insurance<\/h3>\n\n\n\n<p>This covers any expenses you may incur because your flight is delayed, such as extra nights at a hotel and meal expenses. For specific coverage details, review your certificate of insurance before your trip. Most credit cards require a minimum of four hours&#8217; delay before providing coverage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Delayed\/lost baggage insurance<\/h3>\n\n\n\n<p>Suppose something happens to your baggage during the trip (a delay or damage on the way to your destination, for example). In that case, this insurance reimburses you for necessary purchases such as clothes and toiletries. Typically, this coverage only applies to checked baggage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Common carrier travel accident insurance<\/h3>\n\n\n\n<p>This type of insurance provides coverage in case of an accident that results in a disability or loss of life while traveling on a common carrier. A common carrier usually refers to an air, land, or water vehicle that provides regularly scheduled passenger services. Reimbursement is typically a lump sum paid to the covered person. Make sure to review your certificate of insurance for details.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Auto rental collision\/loss damage insurance<\/h3>\n\n\n\n<p>If you typically rent a car on your trips, you\u2019ll want to ensure your credit card includes this type of insurance. It protects you if your rental car gets damaged or stolen during a trip and covers repair costs. However, remember that auto rental insurance only covers damage to the vehicle\u2014it does not cover any bodily injuries resulting from an accident.<\/p>\n\n\n\n<p>Also, this insurance has limitations. For example, you won\u2019t be covered if the damage to the car was caused by a dangerous activity like driving under the influence or speeding. In addition, auto rental insurance may exclude damage to parts like mirrors and tires.<\/p>\n\n\n\n<p>Another thing to keep in mind is that not all rental cars are covered by this insurance \u2014 only those with an MSRP (manufacturer\u2019s suggested retail price) under a specific value determined by the insurer. If you\u2019re concerned about this when renting a car, check that its MSRP isn\u2019t above the one specified in your certificate of insurance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Roadside assistance insurance<\/h3>\n\n\n\n<p>If you plan to travel by car during your trip, roadside assistance insurance covers the costs of services required if your vehicle experiences a mechanical failure or requires a battery jump-start, towing, or replacing a flat tire. Note that the travel insurance provided on most credit cards doesn\u2019t include roadside assistance; however, you may be able to purchase it as an add-on service.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hotel\/motel burglary insurance<\/h3>\n\n\n\n<p>This insurance reimburses you for any personal items stolen from your room while staying at a hotel or motel. It\u2019s meant to cover any expenses required to repair or replace damaged or lost items.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Mobile device insurance<\/h3>\n\n\n\n<p>Mobile device insurance is typically not included with travel insurance, but some cards may include it as part of their coverage. It may come in handy at any time, especially when traveling and relying on your phone to stay connected. It provides coverage in case your mobile device is lost, stolen, has a mechanical failure or is damaged by accident.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"ins5\">What are the advantages of credit card travel insurance?<\/h3>\n\n\n\n<p>The main advantage of credit card travel insurance is that it can give you peace of mind. You know you&#8217;re covered if you experience a medical emergency, such as an injury, or an inconvenience like losing your baggage. In some cases, travel insurance may save you significant money, which you would have had to pay for medical bills or purchasing replacement items.<\/p>\n\n\n\n<p>Credit card travel insurance also has some unique advantages over other types of insurance:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default\">It comes at no extra cost<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>It doesn\u2019t require additional work, such as researching insurance providers<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Travel credit cards often come with perks such as travel points, premium airport benefits like lounge access, and welcome offers<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>As with any insurance, it\u2019s important to understand the coverage provided. If you plan to use it for a trip, read the certificate of insurance thoroughly to understand what it covers.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"ins7\">Frequently Asked Questions<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">How do I know if my credit card has travel insurance?<\/h4>\n\n\n\n<p>Check your cardholder benefits guide to determine if your credit card provides travel protection. You can also visit the card provider&#8217;s website or call their customer service number to find out. Most credit cards with travel insurance have the customer service number on the back of the card.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Do all credit cards have travel insurance?<\/h4>\n\n\n\n<p>Not all credit cards have travel insurance. Travel credit cards usually include some travel insurance. Coverage types and limits vary between travel cards, with higher-tier credit cards usually offering more comprehensive travel insurance.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Is credit card travel insurance enough?<\/h4>\n\n\n\n<p>It depends. Before you go on a trip, think about your coverage needs and see if you meet the requirements for the travel insurance provided with your card. In addition, some credit cards only offer certain types of travel insurance. For example, they may include flight delay insurance but not emergency medical insurance. Read your card\u2019s certificate of insurance carefully to understand what you\u2019re covered for.<\/p>\n\n\n\n<p>Sometimes, your credit card travel insurance may be sufficient for your needs, for example, if you\u2019re going on a short leisure trip. However, some travelers, like snowbirds who travel abroad for long periods or travelers who plan on doing extreme sports on their trip, may require more comprehensive travel insurance than what credit cards offer.<\/p>\n\n\n\n<p class=\"has-light-grey-background-color has-background\"><em>Tip<\/em>: If you have an RBC credit card, you can check the type of coverage your card includes on the <a href=\"https:\/\/online.worldprotect.com\/weblinkca\/en\/card-coverage\/index.html\" target=\"_blank\" data-dig-id=\"LP-87999-05470520\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Card Coverage page\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Card Coverage page<\/a>. RBC clients also have the option to purchase additional coverage through <a href=\"https:\/\/www.rbcroyalbank.com\/travel-insurance\/index.html\" data-dig-id=\"LP-87999-610a7eeb\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC Travel Insurance\" class=\"rbc-link-format\">RBC Travel Insurance<\/a>, which provides various coverage options for different types of travel.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Does credit card travel insurance cover all passengers?<\/h4>\n\n\n\n<p>Only sometimes. You will need to check your certificate of insurance to see who is covered. In some cases, only the cardholder will be covered, while in other cases, their spouse, dependent children, and\/or traveling companions who are not family will be covered, within limits. Authorized users of the card may also be covered.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Do I have to buy travel insurance before booking?<\/h4>\n\n\n\n<p>No, you don\u2019t have to buy travel insurance before booking. If you\u2019re buying additional coverage, you can buy it any time before you leave for your trip, but it\u2019s advisable to buy it as soon as you make the booking because it could help if you need to cancel your travel plans.<\/p>\n\n\n\n<p>If you plan on using your credit card\u2019s travel insurance, you don\u2019t need to buy it as it\u2019s included in your card\u2019s annual fee. You just need to read the policy thoroughly, make sure you\u2019re eligible for coverage, and ensure that it meets your needs.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">What travel purchases does my credit card travel insurance cover?<\/h4>\n\n\n\n<p>Generally, your credit card travel insurance will cover travel purchases made with your card in part or full. For example, if you need to make a flight cancellation claim, the flight must have been purchased with the card that has travel insurance. Read your certificate of insurance to confirm which travel purchases your card covers.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Does credit card travel insurance require that I charge all travel purchases to my credit card to get coverage?<\/h4>\n\n\n\n<p>Most of the insurance types included with your credit card require you to use your card to pay for travel-related purchases to be eligible for coverage. However, a few types, such as travel medical insurance and road assistance insurance, don\u2019t have that requirement. To fully understand what the travel insurance on your credit covers, read your certificate of insurance thoroughly.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"ins6\">How to apply for a credit card with travel insurance<\/h4>\n\n\n\n<p>In Canada, you can apply for a credit card with travel insurance online, by phone, or by visiting a bank branch. As with any credit card, you must be the age of majority in your province or territory to apply and a resident of Canada. Most credit cards also require a good credit score and a minimum individual or household income.<\/p>\n\n\n\n<div class=\"wp-block-group mar-b-hlf has-rbc-bright-blue-tint-4-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-left\">RBC offers a wide variety of credit cards with travel insurance. All those cards come with additional features and benefits, such as travel rewards, savings opportunities, and optional add-on services. If you\u2019re interested in applying for one of RBC\u2019s travel credit cards, follow these steps:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-default\">\n<li class=\"wp-block-rbc-list-item\">\n<ol class=\"wp-block-rbc-list\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Choose which card you want to apply for. You can view all RBC <a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/all-credit-cards.html#\/travel\" data-dig-id=\"LP-87999-1baf00e1\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"travel credit cards\" class=\"rbc-link-format\">travel credit cards<\/a> and compare the ones you\u2019re interested in by checking the \u201cCompare\u201d box below each card, or you can use the <a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/tools\/choose-a-credit-card.html\" data-dig-id=\"LP-87999-6d9ededf\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"credit card selector\" class=\"rbc-link-format\">credit card selector<\/a>.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>When you\u2019ve decided on a card, click on the Apply Now button to start your application online.<\/p>\n<\/li>\n<\/ol>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-left\">You can also call 1-800-769-2512 to speak to an RBC Advisor or <a href=\"https:\/\/www.rbcroyalbank.com\/book-an-appointment\/book-an-appointment.html\" data-dig-id=\"LP-87999-8684654e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"book an appointment\" class=\"rbc-link-format\">book an appointment<\/a>.<\/p>\n\n\n\n<div class=\"wp-block-buttons mar-b-hlf is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button is-style-primary primary btn before\"><a class=\"wp-block-button__link has-text-align-center wp-element-button\" href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/all-credit-cards.html#\/travel\" data-dig-id=\"LP-87999-2e3177bc\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Browse Travel Credit Cards-https:\/\/www.rbcroyalbank.com\/credit-cards\/all-credit-cards.html#\/travel \">Browse Travel Credit Cards<\/a><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-78e644d6-4d4f-4a1d-bcd6-6e8af4afdf1c\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=How to Find the Best Credit Card for Travel Insurance &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/how-travel-insurance-with-a-credit-card-works\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/how-travel-insurance-with-a-credit-card-works\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-cc029b48-3e75-4af1-92ef-2969fd3c69f9\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/banking-digital-banking\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Banking\/ Digital banking<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/credit-and-debt\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Credit and Debt<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/managing-money\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Managing Money<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/iStock-1057767656.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" 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1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/04\/shutterstock_722608003_understanding-credit-card-balances.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/04\/shutterstock_722608003_understanding-credit-card-balances.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/\">\n\t\t\t\t\t\tUnderstanding Credit Cards\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a 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