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Traveling beyond your province or territory protect yourself with travel insurance 9 ..

When your travels take you far from home in Canada, even a minor accident or sickness can become a major expense and a costly inconvenience—especially since the coverage you have may not fully protect you, whether that’s your provincial health plan, protection offered through your credit card or coverage through your employer. 

Your Government Health Insurance Plan (GHIP) typically covers only a limited portion of your medical expenses once you leave the country and your province. For example, a four-day stay in a U.S. hospital for an appendectomy could cost $39,400 (USD), with only $1,600 (CAD) covered by your GHIP. And a one-day stay in a U.S. hospital for a broken arm could cost $32,600 (USD), with only $400 (CAD) covered by your GHIP. 

Coverage offered through your credit card 9 and employer, while valuable, may only cover specific scenarios and not offer the comprehensive protection you will want while you’re away from home.

Travel insurance can cover your entire family for the duration of your trip, and family pricing is generally available to help you save on the coverage you need. If you travel regularly, a multi-trip annual travel insurance plan that can offer protection for a full year, regardless of the number of times you travel, is a smart option to consider.

RBC Insurance – Travel Insurance that offers more coverage in more places ™ RBC Insurance offers the travel coverage you need, as well as 24/7 access to a caring team of medical professionals – no matter how big or small your emergency. Here are some of the reasons we recommend RBC Insurance to our clients:

• 24/7 worldwide emergency travel assistance through a toll-free emergency help line
• Multilingual assistance from caring professionals – ready to help you wherever you are in the world
• Best in class claims service, with knowledgeable claims and service advisors available to you
• Registered nurses and consulting physicians available 24/7

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Why Travel Medical Insurance Is Essential

Updated: May 24, 2023, 6:18am

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What Is Travel Medical Insurance?

What are the different types of travel medical insurance policies, getting to a better location, what’s not covered by travel medical insurance, who needs travel medical insurance, how do i purchase travel medical insurance, how much does travel medical insurance cost, how much travel medical insurance should you have, why travel medical insurance is essential faqs.

No one wants to get sick while on vacation, and an illness or injury can be devastating during a trip.

Travel medical insurance is designed to help in these cases. It’s especially important if you’re travelling outside the country, where your provincial health plan may have limited or no coverage.

World Nomads Travel Insurance Review

On World Nomad’s Website

Emergency medical

$5 million, $10 million

Cancel For Any Reason (CFAR)

Baggage insurance (Maximum)

$1,000, $3,000

Travel medical insurance pays for emergency medical expenses during a trip. If you are travelling and have an unexpected illness, injury or medical condition that’s covered by your travel medical insurance, the plan will reimburse you, up to the plan limits.

Travel medical insurance pays “reasonable and customary” charges for bills such as:

• Ambulance service
• Doctor bills
• Hospital and operating room charges.
• X-rays, examinations, treatments, lab tests and anesthetics.
• Drugs and medicines.
• Dental care, but check for special limits on the dental payout, such as $2,000 or $4,000.

Generally, there are two forms of travel medical insurance:

• Stand-alone medical insurance plans: These plans cover emergency medical and dental expenses you incur while travelling. However, a stand-alone medical plan doesn’t include other travel insurance coverage, such as trip cancellation insurance or baggage coverage.
• As part of a comprehensive travel insurance plan: In addition to emergency medical benefits, a comprehensive travel insurance plan can package coverage for trip cancellation, trip delay, baggage loss and more. It’s the best way to cover a host of potential problems.

Travel medical insurance is for medical emergencies while travelling, like a sprained ankle while sightseeing. It does not cover non-emergency or elective procedures, such as an experimental medical treatment overseas.

When you’re buying travel medical insurance, it’s important to know the difference between coverage types.

Single-trip vs. Multi-trip

How often you travel in a calendar year could be the deciding factor between these two coverage types. Here’s the difference between the two.

• Single-trip coverage:  Single trip coverage begins when you leave your home and travel to your destination (or destinations) and ends when you return home. The plan covers you for the duration of your trip. For example, you could purchase a single-trip plan for a four week European vacation where you visit several different countries.
• Multi-trip coverage: Also known as annual travel insurance, this covers you for a calendar year and is good for travellers who take three or more trips per year. For example, you could take a trip to Italy, come home for several weeks, then travel to Germany, come home, then take off to Mexico.

Top-Up Medical Coverage

Say that your credit card provides 14 days of travel insurance, but your trip is 32 days long. Or that you originally planned to be away for 30 days, but then you decide to stay another two weeks. Some insurers allow you to “top up” your coverage for those additional days. Typically, there are conditions for buying Top-Up Medical coverage, namely:

• Your original insurance policy is still active.
• There are no changes to your health or medical condition since you first bought the policy.
• You haven’t made any claims.

Most travel plans include emergency medical evacuation as part of their medical coverage insurance. This pays for you to get to the nearest adequate medical facility, or even back home, depending on your condition. If you’re vacationing in a remote part of the world, this would be essential coverage to have.

Be aware of your travel insurance policy’s rules for evacuation. For example, most insurers require pre-approval for any medical evacuation. For example, Blue Cross will exclude any costs over $10,000 for emergency air evacuation to the nearest medical facility if the transfer was not pre-authorized and arranged by the insurer.

What’s covered and excluded by a travel medical insurance plan will depend on the travel insurance company. Here are some common exclusions.

Pre-existing conditions

How pre-existing conditions are covered will vary by travel insurance company, and one insurer might define a “pre-existing condition” differently than the next. Some insurance companies will take a look at your past medical history to determine if a condition was present during a period that could range from 90 days to one year ago, depending on the policy.

Your travel insurer will requires you to meet certain requirements before it will cover expenses due to a pre-existing medical condition. For example, Blue Cross will not pay out due to a pre-existing medical condition for anyone aged 54 and under who during the three months preceding the effective date of insurance coverage had:

• Any medical condition that is not stable (and each insurer has its own definition of “stable”).
• Any heart condition for which you have used nitroglycerine more than once in a seven-day period for chest pain.
• Any pulmonary condition for which you have been treated with home oxygen.

If you have a pre-existing condition, it’s critical to read the policy exclusions very carefully.

Intoxication and drug use

Travel medical insurance typically won’t cover emergency medical costs due to intoxication or drug use. For example, if you become intoxicated and fall off a balcony, your travel medical insurance won’t cover the cost of your injuries.

Dangerous activities

Some travel medical insurance policies won’t cover expenses that resulted from activities such as mountain climbing, skydiving or parasailing. If you plan to engage in activities like this, work with a travel insurance agent to compare adventure travel insurance plans to make sure your particular activities will be covered.

Other exclusions

Other typical exclusions to travel medical insurance include:

• Routine medical examinations, such as vaccinations or immunizations.
• Obesity or weight modification, such as intestinal bypass surgery.
• Cosmetic surgery
• Organ or tissue transplants.
• Corrective devices and medical appliances, such as eyeglasses or contact lenses.
• Pregnancy, childbirth or related complications.

Even travellers in good health should have some form of travel medical insurance if they’re going outside Canada. (Some insurers, such as RBC Insurance, even offer Travel Within Canada packages.) According to Allianz Travel, the most common overseas medical emergencies their policyholders experience include:

• Fractures from falls.
• Cardiovascular problems, such as a heart attack or stroke.
• Trauma from a motor vehicle accident.
• Pulmonary or respiratory problems, such as a collapsed lung.

If you don’t have the right coverage in place and you get injured or sick on your trip, you’ll be stuck paying medical bills out-of-pocket.

Senior travellers, especially, should make sure to have good medical benefits when travelling abroad.

While your provincial plan may provide some out of country coverage, the reimbursement amounts may be limited. For example, your Ontario Health Insurance Plan (OHIP) will only pay up to $400 per day for services provided in an operating room, coronary care unit, intensive care unit or neonatal or pediatric special care unit, and $200 per day for lower levels of care.

Before you buy a travel insurance policy, it’s a good idea to compare quotes from multiple insurers. Most travel insurance companies offer free quotes on their website. You can save time by visiting an insurance comparison website that compares quotes from multiple companies.

But price shouldn’t be the only deciding factor. The best travel insurance companies offer a solid range of coverage options at a fair price.

How much you pay for travel medical insurance depends on four primary factors:

• Trip duration
• Destination
• Coverage limit and deductible.

Keep in mind that travel medical insurance can also be part of or added to a comprehensive travel plan that includes other types of coverage, like trip cancellation insurance and trip interruption insurance. The average cost of a comprehensive travel insurance plan will vary based on the cost of your trip, duration of trip, plan benefits selected and your age.

Common travel medical insurance coverage amounts are $5 million and $10 million, though RBC Travel Insurance offers unlimited.

It’s a good idea to select a plan with enough coverage based upon the type of trip you’re taking. For example, emergency medical evacuation from a cruise ship can start at $100,000.

If you’ve booked a trip with a tour operator, you may require a minimum amount of emergency medical and emergency medical evacuation insurance. For example, travellers booked with Adventure Canada require a minimum of $500,000 USD coverage person.

Do I need travel insurance if I already have health insurance?

If you are travelling outside of  Canada, consider buying travel medical insurance even with your provincial-based health plan. Many health plans won’t cover you outside of Canada or provide only limited global coverage. If you get sick or injured, you could be stuck paying for your medical expenses out-of-pocket.

How do I use travel medical insurance abroad?

If you have a medical emergency while travelling abroad, contact your travel insurance company for assistance. Travel insurance companies offer 24/7 global assistance hotlines to help travellers in emergencies, including coordinating medical treatment, language translation and arranging for transportation. Most travel insurers will not extend full coverage if you do not contact them before seeking medical attention. If you are unable to do so on your own, it’s important to have someone else act on your behalf.

Should I buy a comprehensive travel insurance policy or a stand-alone travel health plan?

If you want coverage for problems such as trip cancellation, trip delay, trip interruption and lost baggage, then look at comprehensive travel insurance plans.

If you only need travel medical coverage, it doesn’t make sense to spend money on coverage you won’t use and you can focus on medical-only plans.

Is travel health insurance ever required?

Some countries require travellers to provide proof of medical coverage before being granted entry, though this practice was much more prevalent during the height of the pandemic. Always check a country’s entry requirements before heading to the airport.

If your trip includes an organized tour, it’s a good idea to check with the tour operator to determine if they have any specific insurance requirements. And if you’re booked on a cruise, travel medical insurance is a must.

Does travel medical insurance cover COVID-19?

There are many travel medical plans available that include COVID-related medical expenses, and some, such as CIBC’s Travel Medical Insurance for COVID, are specifically designed to cover medical expenses related to treatment if you test positive during your trip. But since not all do, it’s important to verify COVID coverage before buying a plan if it’s a priority for you.

COVID medical coverage will typically fall under the limits of your plan’s travel medical insurance. It can cover any medical costs associated with contracting COVID during your trip, including doctor bills, medication and hospitalization.

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Ashley is a personal finance writer and content creator. In addition to being a contributing writer at Forbes, she writes for solo entrepreneurs as well as for Fortune 500 companies. Through her financial expertise, she provides millennials and young professionals the tools and resources they need to better manage their finances.

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• Best for trip interruption
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Best International Travel Insurance 2024: Your Ultimate Guide to Safe and Secure Adventures Abroad

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate travel insurance products to write unbiased product reviews.

If you're planning your next vacation or trip out of the country, be sure to factor in travel insurance. Unexpected medical emergencies when traveling can drain your bank account, especially when you're traveling internationally. The best travel insurance companies for international travel can step in to provide you with peace of mind and financial protection while you're abroad.

Best International Travel Insurance of 2024 Summary

• Best overall: Allianz Travel Insurance
• Best for exotic travel: World Nomads Travel Insurance
• Best for trip interruption coverage: C&F Travel Insured
• Best for medical-only coverage: GeoBlue Travel Insurance
• Best for families: Travelex Travel Insurance
• Best for long-term travel: Seven Corners Travel Insurance

Top International Travel Insurance Companies Comparison

As a general rule, the most important coverage to have in a foreign country is travel medical insurance , as most U.S. health insurance policies don't cover you while you're abroad. Without travel medical coverage, a medical emergency in a foreign country can cost you. You'll want trip cancellation and interruption coverage if your trip is particularly expensive. And if you're traveling for an extended period of time, you'll want to ensure that your policy is extendable. 

Here are our picks for the best travel insurance companies for international travel.

Best International Travel Insurance Overall

Allianz travel insurance.

Allianz offers the ultimate customizable coverage for international trips, whether you're a frequent jetsetter or an occasional traveler. You can choose from an a la carte of single or multi-trip plans, as well as add-ons, including rental car damage, cancel for any reason (CFAR) , adventure sport, and business travel coverage. And with affordable pricing compared to competitors, Allianz is a budget-friendly choice for your international travel insurance needs. 

The icing on the cake is Allyz TravelSmart, Allianz's highly-rated mobile app, which has an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. So, you can rest easy knowing that you can access your policy and file claims anywhere in the world without a hassle.

Read our Allianz travel insurance review .

Best International Travel Insurance for Exotic Trips

World nomads travel insurance.

World Nomads offers coverage for over 300 adventure activities and sports, so you can focus on the adventure without worrying about gaps in your coverage. Both its Standard and Explorer plans cover a wide array of sports. Most activities will be covered under the Standard plan, but extreme sports like skydiving and scuba diving below 165 feet are only covered in the Explorer plan.

Another added benefit of the World Nomads plan is that plans are available after departure. Though if you purchase a plan after you leave for your trip, you'll have to wait 72 days before your coverage kicks in. 

World Nomads offers 24/7 assistance, so you can confidently travel abroad, knowing that help is just a phone call away. 

Read our World Nomads travel insurance review .

Best International Travel Insurance for Trip Interruption

C&f travel insured.

C&F offers 100% coverage for trip cancellation, up to 150% for trip interruption, and reimbursement for up to 75% of your non-refundable travel costs with select plans. This means you don't have to worry about losing your hard-earned money on non-refundable travel costs if your trip ends prematurely. 

Travel Insured also stands out for its extensive "reasons for cancellation" coverage. Unlike many insurers, the company covers hurricane warnings from the National Oceanic and Atmospheric Administration (NOAA).

Read our C&F Travel Insured review .

Best International Travel Insurance for Medical Coverage

Geoblue travel insurance.

GeoBlue offers policies that covers emergency medical treatments when you're abroad. While GeoBlue lacks trip cancellation coverage, that allows it to charge lower premiums than the other companies on this list. 

GeoBlue plans can cover medical expenses up to $1 million with several multi-trip annual plans available. It offers coinsurance plans for trips within the U.S. and 100% coverage for international trips. It also has a network of clinics in 180 countries, streamlining the claims process. It's worth noting that coverage for pre-existing conditions comes with additional costs. 

Read our GeoBlue travel insurance review .

Best International Travel Insurance for Family Coverage

Travelex travel insurance.

Travelex offers coverage for your whole crew, perfect for when you're planning a family trip. Its family plan insures all your children 17 and under at no additional cost. The travel insurance provider also offers add-ons like adventure sports and car rental collision coverage to protect your family under any circumstance.

Got pets? With Travelex's Travel Select plan, you can also get coverage for your furry friend's emergency medical and transportation expenses. 

Read our Travelex travel insurance review .

Best International Travel Insurance for Long Trips

Seven corners travel insurance.

Seven Corners offers specialized coverage that the standard short-term travel insurance policy won't provide, which is helpful if you're embarking on a long-term trip. You can choose from several plans, including the Annual Multi-Trip plan, which provides medical coverage for multiple international trips for up to 364 days. This policy also offers COVID-19 medical and evacuation coverage up to $1 million. 

You also get the added benefit of incidental expense coverage. This policy will cover remote health-related services and information, treatment of injury or illness, and live consultations via telecommunication. 

Read our Seven Corners travel insurance review .

How to Find the Right International Travel Insurance Company 

Different travelers and trips require different types of insurance coverage. So, consider these tips if you're in the market to insure your trip. 

Determine your needs 

Your needs for travel insurance will depend on the type of trip you're taking. You'll need to consider your destination and what you'll be doing there, either business, leisure, or adventure traveling. Policies covering adventure sports and activities will cost more. Longer, more expensive trips will also cost more. 

Research the reputation of the company 

When researching a company, you'll want to closely review the description of services. You'll want to see how claims are handled, any exceptions, and limitations.

You'll also want to look at the company's customer reviews on sites like Trustpilot, BBB, and Squaremouth, as this will provide insight on the quality of customer service and the claims process. You should also take note of whether companies respond to customer reviews.

Compare prices

You can get quotes through a company's website or travel insurance aggregators like InsureMyTrip and VisitorsCoverage. You'll need to be prepared to provide the following information about your trip:

• Trip destination(s)
• Travel dates
• Number of travelers
• Traveler(s) age/birthday
• State of residence
• Total trip cost

For companies that offer travel medical insurance, you'll also want to play around with the deductible options, as they can affect your policy premium. 

Understanding International Travel Insurance Coverage Options

Travel insurance can be confusing, but we're here to simplify it for you. We'll break down the industry's jargon to help you understand what travel insurance covers to help you decide what your policy needs. Bear in mind that exclusions and limitations for your age and destination may apply. 

Finding the Best Price for International Travel Insurance

Your policy cost will depend on several factors, such as the length of your trip, destination, coverage limits, and age. Typically, a comprehensive policy includes travel cancellation coverage costs between 5% and 10% of your total trip cost.

If you're planning an international trip that costs $4,500, you can expect to pay anywhere from $225 to $450 for your policy. Comparing quotes from multiple providers can help you find the cheapest travel insurance that still meets your needs.

You can use insurance aggregators like Squaremouth , InsureMyTrip , or VisitorsCoverage to directly compare rates.

Why You Should Trust Us: How We Reviewed International Travel Insurance Companies

We ranked and assigned superlatives to the best travel insurance companies based on several key factors, including: 

• Policy types: We analyzed company offerings such as coverage levels, exclusions, and policy upgrades, taking note of providers that offer a range of travel-related issues beyond the standard coverages. 
• Affordability: We recognize that cheap premiums don't necessarily equate to sufficient coverage. So, we seek providers that offer competitive rates with comprehensive policies and quality customer service. We also call out any discounts or special offers available. 
• Flexibility: Travel insurance isn't one-size-fits-all. We highlight providers that offer a wide array of coverage options, including single-trip, multi-trip, and long-term policies.
• Claims handling: The claims process should be pain-free for policyholders. We seek providers that offer a streamlined process via online claims filing and a track record of handling claims fairly and efficiently. 
• Quality customer service: Good customer service is as important as affordability and flexibility. We highlight companies that offer 24/7 assistance and have a strong record of customer service responsiveness. 

We consult user feedback and reviews to determine how each company fares in each category. We also check the provider's financial rating and volume of complaints via third-party rating agencies. 

Read more about how Business Insider rates travel insurance .

International Travel Insurance FAQ

The best insurance policy depends on your individual situation, including your destination and budget. However, popular options include Allianz Travel Insurance, World Nomads, and Travel Guard. 

International health insurance and travel insurance serve different purposes. While both may cover medical expenses, international health insurance provides long-term health insurance for working abroad. Meanwhile, travel insurance offers short-term coverage for the duration of your trip. 

Yes, you can travel to multiple countries under one travel insurance policy, but you should tell your insurance provider about your travel plans as it may change your premiums. 

Travel insurance is worth the price for international travel because they're generally more expensive, so you have more to lose. Additionally, your regular health insurance won't cover you in other countries, so without travel insurance, you'll end up paying out of pocket for any emergency medical care you receive out of the US.

You should purchase travel insurance as soon as possible after making payment on your trip. This makes you eligible for add-ons like coverage for pre-existing conditions and CFAR. It also mitigates the chance of any losses in the days leading up to your trip. 

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Where Kamala Harris Stands on the Issues: Abortion, Immigration and More

She wants to protect the right to abortion nationally. Here’s what else to know about her positions.

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By Maggie Astor

• Published July 21, 2024 Updated Aug. 24, 2024

With Vice President Kamala Harris having replaced President Biden on the Democratic ticket, her stances on key issues will be scrutinized by both parties and the nation’s voters.

She has a long record in politics: as district attorney of San Francisco, as attorney general of California, as a senator, as a presidential candidate and as vice president.

Here is an overview of where she stands.

Ms. Harris supports legislation that would protect the right to abortion nationally, as Roe v. Wade did before it was overturned in 2022, in Dobbs v. Jackson Women’s Health Organization.

After the Dobbs ruling, she became central to the Biden campaign’s efforts to keep the spotlight on abortion, given that Mr. Biden — with his personal discomfort with abortion and his support for restrictions earlier in his career — was a flawed messenger. In March, she made what was believed to be the first official visit to an abortion clinic by a president or vice president.

She consistently supported abortion rights during her time in the Senate, including cosponsoring legislation that would have banned common state-level restrictions, like requiring doctors to perform specific tests or have hospital admitting privileges in order to provide abortions.

As a presidential candidate in 2019, she argued that states with a history of restricting abortion rights in violation of Roe should be subject to what is known as pre-clearance for new abortion laws — those laws would have to be federally approved before they could take effect. That proposal is not viable now that the Supreme Court has overturned Roe.

Climate change

Ms. Harris has supported the Biden administration’s climate efforts , including legislation that provided hundreds of billions of dollars in tax credits and rebates for renewable energy and electric vehicles.

“It is clear the clock is not just ticking, it is banging,” she said in a speech last year , referring to increasingly severe and frequent disasters spurred by climate change. “And that is why, one year ago, President Biden and I made the largest climate investment in America’s history.”

During her 2020 presidential campaign, she emphasized the need for environmental justice , a framework that calls for policies to address the adverse effects that climate change has on poor communities and people of color. She has emphasized that as vice president as well.

In 2019, Ms. Harris, then a senator, and Representative Alexandria Ocasio-Cortez, Democrat of New York, introduced legislation that would have evaluated environmental rules and laws by how they affected low-income communities. It would have also established an independent Office of Climate and Environmental Justice Accountability and created a “senior adviser on climate justice” within several federal agencies. In 2020, Ms. Harris introduced a more sweeping version of the bill. None of the legislation was passed.

Ms. Harris was tasked with leading the Biden administration’s efforts to secure voting rights legislation, a job she asked for . The legislation — which went through several iterations but was ultimately blocked in the Senate — would have countered voting restrictions in Republican-led states, limited gerrymandering and regulated campaign finance more strictly.

This year, she met with voting rights advocates and described a strategy that included creating a task force on threats to election workers and challenging state voting restrictions in court.

She has condemned former President Donald J. Trump’s efforts to overturn the 2020 election results. In a speech in 2022 marking the anniversary of the Jan. 6, 2021, attack on the Capitol, she said that day had showed “what our nation would look like if the forces who seek to dismantle our democracy are successful.” She added, “What was at stake then, and now, is the right to have our future decided the way the Constitution prescribes it: by we the people, all the people.”

Economic policy

In campaign events this year, Ms. Harris has promoted the Biden administration’s economic policies, including the infrastructure bill that Mr. Biden signed, funding for small businesses, a provision in the Inflation Reduction Act that capped the cost of insulin for people on Medicare and student debt forgiveness.

She indicated at an event in May that the administration’s policies to combat climate change would also bring economic benefits by creating jobs in the renewable energy industry. At another event , she promoted more than $100 million in Energy Department grants for auto parts manufacturers to pivot to electric vehicles, which she said would “help to keep our auto supply chains here in America.”

As a senator, she introduced legislation that would have provided a tax credit of up to $6,000 for middle- and low-income families, a proposal she emphasized during her presidential campaign as a way to address income inequality.

Immigration

One of Ms. Harris’s mandates as vice president has been to address the root causes of migration from Latin America, like poverty and violence in migrants’ home countries. Last year, she announced $950 million in pledges from private companies to support Central American communities. Similar commitments made previously totaled about $3 billion.

In 2021, she visited the U.S.-Mexico border and said : “This issue cannot be reduced to a political issue. We’re talking about children, we’re talking about families, we are talking about suffering.”

More recently, she backed a bipartisan border security deal that Mr. Biden endorsed but Mr. Trump, by urging Republican lawmakers to kill it , effectively torpedoed. The legislation would have closed the border if crossings reached a set threshold, and it would have funded thousands of new border security agents and asylum officers. “We are very clear, and I think most Americans are clear, that we have a broken immigration system and we need to fix it,” Ms. Harris said in March .

Israel and Gaza

Ms. Harris called in March for an “immediate cease-fire” in Gaza and described the situation there as a “humanitarian catastrophe.” She said that “the threat Hamas poses to the people of Israel must be eliminated” but also that “too many innocent Palestinians have been killed.”

In an interview later that month , she emphasized her opposition to an Israeli invasion of Rafah, the city in southern Gaza to which more than a million people had fled. “I have studied the maps,” she said. “There’s nowhere for those folks to go, and we’re looking at about 1.5 million people in Rafah who are there because they were told to go there, most of them.”

She has said on multiple occasions that she supports a two-state solution.

Racial justice

Racial justice was a theme of Ms. Harris’s presidential campaign. In a memorable debate exchange in 2019 , she denounced Mr. Biden’s past work with segregationist senators and opposition to school busing mandates.

She has called for ending mandatory minimum sentences, cash bail and the death penalty, which disproportionately affect people of color.

Amid the protests that followed the police killing of George Floyd in 2020, she was one of the senators who introduced the Justice in Policing Act, which would have made it easier to prosecute police officers, created a national registry of police misconduct and required officers to complete training on racial profiling. It was not passed.

Her record as a prosecutor also came into play during her presidential campaign. Critics noted that as attorney general of California, she had generally avoided stepping in to investigate police killings.

Maggie Astor covers politics for The New York Times, focusing on breaking news, policies, campaigns and how underrepresented or marginalized groups are affected by political systems. More about Maggie Astor

Going on a Cruise

Ahhh…cruising. Is there any better way to relax and explore new destinations? Chances are, you spent a good bit of money when you booked your ship, flights and other arrangements. Travel insurance that includes trip cancellation and interruption and other coverage is a smart way to protect yourself financially against the unexpected.

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• 24-hour worldwide emergency medical assistance
• Travel expenses to get you home after a medical emergency

Interested in travel medical coverage only?

Classic Medical Plan (ages 0-64) or TravelCare ® Medical Plan (ages 65+)

• Travel expenses to get you home if you have a medical emergency

Note : If you have sufficient emergency travel medical protection through a credit card or work plan, we also offer a Non-Medical Package that will cover you for trip cancellation and interruption, luggage delays and more.

Make sure you have the right travel insurance—get an online quote or talk to a licensed insurance advisor.

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• Find a Branch
• Call 1-800-769-2511

Travelling within Canada - Travel Insurance for RBC Clients 1

Why travel across the ocean when there are so many breathtaking vistas right in your own backyard? If you’re going outside your home province or territory, your provincial health insurance won’t cover you for any non-medical travel situations or certain emergency medical expenses (such as an air ambulance back to your home province). Our travel insurance can help fill the gap.

Popular Choice:

Travel within canada package, get a quote.

You are covered for:

• Unlimited eligible emergency medical expenses 2
• Travel expenses to get you home after a medical emergency or other trip interruption
• Last-minute cancellation or trip interruptions due to family/work emergencies, unexpected health issues or other unforeseen events
• Non-refundable portions of unused, prepaid flights if an illness, injury or other unexpected event forces you to cancel your flight, cut your trip short or delay your return home
• Baggage delays and lost or stolen luggage or personal items
• Flight and travel accidents
• 24-hour worldwide emergency medical assistance

Make sure you have the right travel insurance—get an online quote or call the Enrollment Centre.

Have an RBC Royal Bank credit card with travel coverage?

If you’re using an RBC Royal Bank credit card to pay for your trip in full, see if your card provides enough coverage for your trip.

See If My Card Covers Me

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