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Claims, Customer Service and Policy Documents

On May 1, 2020, RBC Royal Bank launched a new suite of travel insurance products. At the same time, we stopped offering Travel HealthProtector insurance. If you purchased insurance prior to May 1, 2020, you can make a claim or view a summary of your coverage below.

Important Numbers for Travel HealthProtector Clients

Request 24/7 Emergency Medical Assistance or Payment

To request medical assistance and consultation or payment assistance, please call our Emergency Message Centre:

Request 24/7 Emergency Medical Assistance or Payment
Toll-free from U.S. or Canada 1-800-222-9978
Collect from Anywhere 905-816-2562
By Fax 905-813-4719
Toll-free Fax from U.S. or Canada 1-888-298-6340

For Claims Inquiries After You Have Returned Home

For claims after you have returned home or to make a claim inquiry, please call:

For Claims Inquiries After You Have Returned Home
Toll-free from U.S. or Canada 1-800-464-3211
Collect from Anywhere 905-816-2573

Contact the Enrolment Centre

To request an extension of coverage, top-up RBC Royal Bank credit card coverage (if applicable) or request a premium refund, please call:

Contact the Enrolment Centre
Toll-free from U.S. or Canada 1-800-565-3129
Collect from Anywhere 905-816-2577

Monday-Friday: 8:00am to 8:00pm Eastern Standard Time (EST)
Saturday-Sunday: 9:00am to 6:00pm (EST)

Make a Travel HealthProtector Insurance Claim

Emergency Medical Claims

If you returned home from a trip due to an emergency medical condition, you will need to submit an Emergency Medical Insurance claim.

Select your province of residence for instructions on how to submit your claim:

You will need to complete the following steps to submit your claim:

  • Complete and sign the Claim and Authorization Form.(Opens PDF in new window)

    Mail the form, along with all applicable documents outlined below, to the claims office:

    RBC Insurance Company of Canada
    P.O. Box 97, Station A
    Mississauga, Ontario L5A 2Y9

  • Attach all original itemized bills and receipts(Opens in new window) to support your claim.

  • Attach any medical records(Opens in new window) you may have been given at the time of treatment. For hospitalization claims, we require a complete copy of your medical records from the treating facility.

  • For Multi-Trip Annual plans, attach proof of both departure from and return to your province of residence. The type of proof(Opens in new window) depends on whether you travelled via airline or car.

  • For hospitalization claims, we will require a complete copy of your medical records from the treating facility.

You will need to complete the following steps to submit your claim:

You will need to complete the following steps to submit your claim:

You will need to complete the following steps to submit your claim:

Please note: Depending on the claim, RBC Insurance® may request more information.

Trip Cancellation and Trip Interruption Claims

New! To save you time, we’ve made it easier to submit your trip cancellation and trip interruption claims online.

To start a trip cancellation/trip interruption claim under the terms of your RBC Credit Card Coverage, use this online form(Opens in new window).

To start a claim under the terms of your RBC Travel Insurance Policy Coverage follow these steps:

  1. Sign in to Online Insurance(Opens in new window)
  2. From the Policy Summary screen, find your travel policy/certificate
  3. Click on “Open a Claim” to get started

Please make sure to have all your supporting documents available when you open a claim online.

Additional Claim information:

Trip Cancellation Claims (for Non-Medical Package)

If you need to cancel your trip, you must take these steps to make an insurance claim:

  • Call your travel agent or carrier immediately to cancel your trip no later than one business day after the cause of cancellation.

  • Notify us by calling one of the numbers below:

    Notify us
    From Québec 514-748-2244 or 1-800-263-8944
    From Everywhere Else in Canada 905-816-2572 or 1-800-263-8944
  • Complete and sign the Claim and Authorization Form.(Opens PDF in new window)

    Mail the form, along with all applicable documents outlined below, to:

    RBC Insurance Company of Canada
    P.O. Box 97, Station A
    Mississauga, Ontario L5A 2Y9

  • If the cancellation is due to an injury or sickness of yourself, an immediate family member or your travelling companion, you must have a Medical Certificate(Opens in new window) fully completed by the treating physician. The physician who fills out the certificate must be the same one who treated the sick or injured person on the date of the cause of cancellation.

  • If the medical condition is for yourself or your spouse, you will also need to provide your family physician's clinical notes from the 90 days prior to your insurance application date up to the present date.

  • Submit an itemized copy of your invoice, providing a breakdown of the cost of your trip including airfare, hotel, taxes, service fees, and anything else. You'll need to provide proof of payment(Opens in new window) for each item.

  • Attach original unused airline ticket(s) and any other original travel documents. If you received a refund from your travel agent or travel supplier, you'll need to provide a copy of the statement or refund.

  • If cancelling for non-medical reasons, you'll need to provide substantiated evidence. This could be a copy of subpoena for court/jury duty, a letter from your employer, a report from your airline/cruise, or a death certificate.

Trip Interruption Claims

If you had to return home early from a trip due to a sickness, injury or another unexpected covered situation that occurred during your trip, follow these steps to make an insurance claim:

  • Complete and sign the Claim and Authorization Form.(Opens PDF in new window)

    Mail the form, along with all applicable documents outlined below, to:

    RBC Insurance Company of Canada
    P.O. Box 97, Station A
    Mississauga, Ontario L5A 2Y9

  • If the interruption is due to an injury or sickness of yourself, an immediate family member or your travelling companion, you must have a Medical Certificate(Opens in new window) fully completed by the treating physician at your travel destination. The physician who fills out the form must be the same one who treated the sick or injured person at your travel destination.

  • Submit an itemized copy of your invoice, providing a breakdown of the cost of your trip including airfare, hotel, taxes, service fees, and anything else. You'll need to provide proof of payment(Opens in new window) for each item.

  • Attach original unused airline ticket(s) along with the new return tickets you purchased. If you paid a change fee, you'll need to include the original receipts for this cost.

  • If the interruption is due to non-medical reasons, you'll need to provide substantiated evidence. This could be a copy of subpoena for court/jury duty, a letter from your employer, a report from your airline/cruise, or a death certificate.

  • If you incurred additional expenses as a result of one of the insured risks, you'll need to submit original receipts for all additional costs such as hotel accommodations, meals, essential telephone calls, or taxi fares.

View a Travel HealthProtector Policy Document

You will need Adobe Reader software to view or print the documents below.

Travel HealthProtector Brochure

4-Day Getaway Multi-Trip Annual Medical Plan

For travellers under age 60

For travellers age 60 and over