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Travel HealthProtector® Insurance

Terms

Yourself

You, yourself and your refers to any eligible enrolled person who is named or referred to on the application for insurance and for whom the required premium has been paid.

A member of your family

Immediate family - spouse, parent, legal guardian, legal ward, step-parent, grandparent, grandchild, in-law, natural or adopted child, step-child, brother, sister, step-brother, step-sister, aunt, uncle, niece, nephew.

Single Trip

Single-Trip Plan

If you are planning a trip and want the security of Travel HealthProtector insurance coverage, choose this plan to pay for coverage as you go.

  • Choose Basic or Enhanced coverage for you and your family
  • Receive automatic coverage for a single trip up to a maximum of 183 days in length
  • Should you decide to stay longer than planned (maximum of 183 days), extend coverage anytime by contacting the RBC Insurance Company of Canada Enrollment Centre at 1 800 565-3129.
Multi-Trip Annual Plan

Available for the Basic or Enhanced coverage.

Multi-Trip Annual Plan

This plan is ideal for business people, students, cross-border shoppers and other frequent travellers. Choose this plan for automatic protection on an unlimited number of trips taken in a 365-day period, depending on the trip duration selected.

  • Choose 15, 30 or 60-day durations.
  • For a trip longer than the selected trip duration, you must top-up by contacting the Enrollment Centre at 1 800 565-3129.

If you do not top-up this coverage for a trip that is longer than your 15-day, 30-day or 60-day option, you will not have coverage for any claim at any time during this trip.

Please refer to the Certificate of Insurance for full details.

Start-up Date

Start-up date - under any Multi-Trip Annual Plan, the later of:

  • for all coverages except Flight Accident and Top-up coverage: the date of your application for insurance; or
  • under Flight Accident: the date you designate as the date of your departure on your first trip under this insurance, as entered on your application for insurance. This date cannot be more than 120 days from the date of your application for insurance.
  • the date and time shown on your transportation ticket.
  • under Top-up coverage: 12:01 a.m. on the day following the date of expiry of your prior coverage.

Note: For online purchases, the start-up date is the date of your application for insurance.

Expiry Date

Expiry date - the date on which your coverage ends under this insurance. This date is 365 days from your start-up date under any Multi-Trip Annual Plan.

Emergency Medical

Applies to the Basic or Enhanced coverage

  1. Unlimited emergency medical expenses

    This insurance covers medical expenses related to the following when required as part of the emergency treatment and ordered by a licensed physician during your trip:

    1. emergency treatment, other than dental treatment;
    2. the services of a licensed private duty nurse while you are hospitalized;
    3. the lesser of the rental or purchase of a hospital-type bed, a wheelchair, brace, crutches and other medical appliances;
    4. diagnostic testing, when pre-authorized
    5. prescription drugs.

  2. Hospital allowance

    This insurance covers your reimbursement up to $50 per day to a maximum of $500 for your incidental hospital expenses (telephone calls, television rental), while you are hospitalized for at least 48 hours.

  3. Other emergency services

    This insurance covers expenses for emergency treatment by a licensed physiotherapist, chiropractor, chiropodist, podiatrist or osteopath, to a maximum of $300 per profession.

  4. Ground ambulance

    This insurance covers you for local ground ambulance service to a hospital, physician or medical service provider in an emergency. We will pay for local taxi fare in lieu of local ground ambulance service, where an ambulance is medically required but not available.

  5. Repatriation of your remains

    If, during your trip, you die from a medical condition covered under this insurance, the insurance covers:

    1. the transportation of your remains in the common carrier's standard transportation container to your province or territory of residence, and up to $5,000 for the preparation of your remains and for the cost of the common carrier's standard transportation container; or
    2. the transportation of your remains to your province or territory of residence and up to $5,000 for the cremation of your remains at the location where your death occurred; or
    3. up to $5,000 for the preparation of your remains and the cost of a standard burial container and up to $5,000 for the burial of your remains at the location where your death occurred.

    If someone is legally required to identify your remains, this insurance covers the cost of a return economy air fare on a commercial flight via the most cost effective route and up to $500 for commercial accommodations and meals for that person. That person is covered under the terms of your insurance during the period in which he/she is required to identify your remains, but for no longer than 3 business days.

  6. Return to your province or territory of residence

    If the physician treating you recommends to us in writing that you return to your province or territory of residence because of your medical condition in order to receive emergency medical attention, or if the medical advisors of Assured Assistance Inc. determine that you are able to and recommend that you return to your province or territory of residence following your emergency treatment, this insurance covers you for one or more of the following, when pre-authorized and arranged by Assured Assistance Inc., when medically essential:

    • the extra cost of a one-way economy air fare on a commercial flight via the most cost effective route to your province or territory of residence to receive immediate emergency medical attention; or
    • the cost of a stretcher fare on a commercial flight via the most cost effective route to your province or territory of residence, if a stretcher is medically necessary; and
    • the cost of a return economy air fare on a commercial flight via the most cost effective route and the usual fees and expenses for a qualified medical attendant to accompany you, when the attendant is medically necessary or required by the airline; or
    • the cost of air ambulance transportation if it is medically essential.

  7. Return to your trip destination

    1. This benefit is subject to the pre-authorization of Assured Assistance Inc.
    2. This insurance covers you for a one-way economy airfare on a commercial flight via the most cost effective route to your scheduled trip destination after you are returned to your province or territory of residence to receive immediate medical attention, provided your attending physician determines that you require no further medical attention for your medical condition. Your trip to return to your scheduled trip destination, must occur during your period of insurance originally provided by this benefit.
    3. This benefit can only be used once during your trip.
    4. Once you return to your trip destination, a recurrence of the initial medical condition or related condition will not be covered under the Certificate of Insurance.
    5. When this benefit is provided to you, your effective date under the Certificate of Insurance becomes the day you leave your province or territory of residence to return to your trip destination.

  8. Subsistence allowance

    1. This benefit is subject to the pre-authorization
    2. This insurance covers your reimbursement up to $175 per day to a maximum of $1,750 for your commercial accommodations and meals, essential telephone calls, internet usage fees, and taxi fares (or rental car in lieu of taxi fares), if, upon physician's advice:
      • you, or your travelling companion, are relocated to receive medical attention; or
      • you are delayed beyond your return date in order to receive emergency treatment or because your travelling companion requires emergency treatment,
      for an emergency medical condition covered under this insurance.

  9. Bedside companion's travel to your bedside

    1. This benefit is subject to the pre-authorization
    2. If you are travelling alone and hospitalized during your trip, then in the event a bedside companion is required, this insurance covers:
      • the cost of a return economy air fare on a commercial flight via the most cost effective route;
      • up to $500 for commercial accommodations and meals for the bedside companion; and
      • your bedside companion is insured under the terms of your insurance during the period in which this person is required as your bedside companion.
    3. If you are over age 20 and physically or mentally handicapped, or under age 21 and dependant on your bedside companion for support, this insurance provides this benefit to you as soon as you are admitted to a hospital.

  10. Emergency dental treatment

    This insurance covers the following dental expenses when required as emergency treatment and ordered by or received from a licensed dentist:

    1. if you need dental treatment to repair or replace your natural or permanently attached artificial teeth because of an accidental blow to your face, you are covered for the emergency dental expenses you incur during your trip and you are also covered up to a maximum of $1,500 to continue necessary treatment after your return to Canada. However, this treatment must be completed within 180 days after the accident.
    2. if you need other emergency dental treatment, you are covered for the emergency dental expenses you incur during your trip, up to a maximum of $300, and the complete cost of prescription drugs.

  11. Return of vehicle

    If, as a result of a medical emergency during your trip, you are unable to return a vehicle to its point of origin, this insurance covers the reasonable costs for a commercial agency to return the vehicle to your residence or to a commercial rental agency, when pre-authorized by Assured Assistance Inc.

  12. Return of children and escort for children to their province or territory of residence

    If children insured under one of our emergency medical insurances travel with you or join you during your trip and you are hospitalized for more than 24 hours or you must return to Canada because of your emergency medical condition covered under this insurance, this insurance covers:

    1. the extra cost of a one-way economy air fare on a commercial flight via the most cost effective route for the return of those children to their province or territory of residence; and
    2. the cost of a return economy air fare via the most cost effective route on a commercial flight for an escort, if the airline requires that the children be escorted.

  13. Return of travelling companion

    1. This benefit is subject to the pre-authorization
    2. If you are travelling with a travelling companion, this insurance covers one travelling companion for the extra cost of a one-way economy air fare on a commercial flight via the most cost effective route to your province or territory of residence, if you must return to Canada to receive immediate medical attention because of a medical condition covered under this insurance.

  14. Return of your dog or cat

    1. This benefit is subject to the pre-authorization
    2. If your domestic dog(s) or cat(s) travel with you during your trip and you must return to Canada because of your emergency medical condition covered under this insurance, this insurance covers the cost of one-way transportation up to a maximum of $500 to return your domestic dog(s) or cat(s) to your departure point.

  15. Return of your excess baggage

    1. This benefit is subject to the pre-authorization
    2. If you return to your departure point by air ambulance (pre-authorized by Assured Assistance Inc.) because of your emergency medical condition, this insurance covers the cost to return your excess baggage up to a maximum of $500.

  16. Domestic Services

    1. This benefit is subject to the pre-authorization
    2. If you return to your province or territory of residence by air ambulance (pre-authorized by Assured Assistance Inc.) because of your emergency medical condition, and your medical condition restricts your ability to perform domestic services, this insurance covers the cost of reasonable domestic services provided by a registered domestic service business up to a maximum of $250. Benefit must be used within 30 days of your return to your province or territory of residence. Note: this benefit is applicable to your primary residence.

Please refer to the Certificate of Insurance for full details.

Trip Interruption / After Departure

Applies to the Enhanced coverage only

Prepaid travel arrangements - Reimbursement to you of the expenses you actually incur as a result of the insured risks for any unused, non-refundable prepaid land arrangements excluding the cost of prepaid unused transportation back to your departure point.

  1. This benefit is up to $1,500 per person to a maximum coverage of $3,000 per family.
  2. This benefit is payable when your attending physician advises that you return home, subject to the pre-approval of Assured Assistance Inc.

Transportation costs - Reimbursement to you of the expenses you actually incur as a result of the insured risks for the extra cost of a one-way economy airfare via the most cost effective route to your departure point.

  1. This benefit is up to $1,500 per person to a maximum coverage of $3,000 per family.
  2. This benefit is payable when your attending physician advises that you return home, subject to the pre-approval of Assured Assistance Inc.

Subsistence allowance - Reimbursement to you of the expenses you actually incur as a result of the insured risks for commercial accommodation, meals, telephone, internet usage fees, and taxi expenses (or rental car in lieu of taxi fares), incurred after the contracted return date, if return home is delayed beyond the contracted return date.

  1. This benefit is up to $100 per day per person.
  2. This benefit is subject to a maximum of $1,000 per person and $3,000 per family.

Please refer to the Certificate of Insurance for full details.

Flight & Travel Accident

Applies to the Enhanced coverage only

We will pay the greater of these benefits for all losses resulting from an accident:

  1. $50,000 for death, double dismemberment, loss of sight of both eyes, or complete and irrecoverable loss of speech or hearing; or
  2. $25,000 for single dismemberment or loss of sight in one eye.

Please refer to the Certificate of Insurance for full details.

Baggage & Personal Effects

Applies to the Enhanced coverage only

  1. Loss of or Damage to Baggage & Personal Effects
    Reimbursement of your losses up to $1,000 per trip ($2,000 per family per trip), subject to a maximum of $500 for any one item or set of items (items which are purchased for use together, and commonly used together).
  2. Replacement of Travel Documents
    Reimbursement of up to $300 in total, towards the replacement expenses of one or more of the following documents: passport, driver's licence, birth certificate or travel visa, in the event any one of these is lost or stolen.
  3. Delay of Baggage & Personal Effects
    Reimbursement up to $400 maximum for necessary toiletries and clothing when your checked baggage is delayed by the carrier for 12 hours or more while en route and before returning to your departure point.

Please refer to the Certificate of Insurance for full details.

Unlimited Trips for a Full Year
Multi-Trip Annual Plan
Available for the Basic or Enhanced coverage.

This plan is ideal for business people, students, cross-border shoppers and other frequent travellers. Choose this plan for automatic protection on an unlimited number of trips taken in a 365-day period, depending on the trip duration selected.

  • Choose 15, 30 or 60-day durations.
  • For a trip longer than the selected trip duration, you must top-up by contacting the RBC Insurance Company of Canada Enrollment Centre at 1 800 565-3129.

    If you do not top-up this coverage for a trip that is longer than your 15-day, 30-day or 60-day option, you will not have coverage for any claim at any time during this trip.

Please refer to the Certificate of Insurance for full details.

Trip Cancellation Coverage / Prior to Departure

More ways to protect your investment

In addition to our Travel HealthProtector products, we are pleased to offer the Non-Medical package which includes Trip Cancellation Coverage for single trips.

Trip Cancellation Coverage provides benefits for cancelling your trip before leaving your departure point.

You can also upgrade your Non-Medical package with our optional riders for travellers going on a golf or ski trip, attending special events, or for those who desire a range of enhanced benefits.

Be sure your travel insurance coverage needs are protected by contacting us at 1-800-565-3129 any time between 6 a.m. and 12 a.m. ET, seven days a week to apply.

1 Please refer to the Certificate of Insurance for complete coverage details, limitations and exclusions.