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RBC Insurance Travel Insurance Review 2024

Updated: Feb 28, 2024, 7:33am

Reviewed By

Whether you’re planning a dream vacation, snowbird getaway, destination wedding or cruise, RBC Insurance has a travel insurance plan to suit your needs. With unlimited emergency medical coverage, a full suite of travel insurance plans and a package geared towards mature travellers, RBC offers peace of mind in case of a travel emergency. While the included trip benefits are lower than other plans, the available package upgrade rider sweetens the offer.

• Unlimited emergency medical coverage
• Coverage for pre-existing conditions
• Package upgrade available
• No CFAR coverage
• Expensive for travellers over age 65
• No app for easy claim submission

Table of Contents

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RBC Insurance is the brand name for the operating entities of Royal Bank of Canada—Canada’s biggest bank. RBC Insurance offers a range of insurance options, including life, health, home, auto and travel to individual, business and group clients.

RBC Insurance is underwritten by RBC Insurance Company of Canada.

Here are the key types of travel insurance coverage offered in RBC Insurance travel insurance plans:

• Emergency medical insurance: If you get ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the coverage limits in your plan. These expenses can include doctor and hospital bills, medication and lab work.
• Trip cancellation insurance: If you cancel a trip for a reason listed in your travel policy, such as you or your travelling companion becoming ill, weather conditions causing a massive delay or you losing your job,  trip cancellation insurance can reimburse you for prepaid, non-refundable costs.
• Travel interruption or delay insurance: Trip interruption insurance can pay for a last-minute flight home in an emergency and reimburse money that you lose by cutting a trip short, such as non-refundable activities and hotel stays. If your flight is delayed , your insurance can cover the cost of incidentals, such as meals or accommodations, after a specified period of time, such as 10 or 12 hours.
• Baggage insurance: Baggage travel insurance can compensate you up to your policy limits if your luggage is lost or stolen. It will reimburse the depreciated value of your suitcases and what you packed. If your bags are delayed, it can reimburse you for the cost of the necessities you’ll have to buy to tide you over. It also extends to your personal belongings, if anything is lost, damaged or stolen.
• Travel accident insurance. This coverage offers compensation in the event of accidental death or catastrophic injury from an accident during your trip. Flight Accident Insurance covers injury while you’re on a commercial plane, during a connection or in an airport. Travel Accident Insurance covers death or dismemberment, including the loss of limbs or eyesight, while on your trip.

RBC Insurance Travel Insurance offers three packaged plans for travelling outside of Canada:

Deluxe Package: This is the most comprehensive plan offered by RBC Insurance. It includes coverage for unforeseen medical emergencies, trip cancellation and interruption, flight and travel accidents, and baggage loss, damage and delay.

Emergency medical treatment includes:

• Hospital accommodation in a semi-private room
• Services of a legally licensed physician, surgeon, anaesthetist or nurse
• Private duty nursing
• Ground or air ambulance
• Rental or purchase of a hospital bed, wheelchair, brace, crutch or any other medical appliance
• Diagnostic tests
• Prescription drugs and medication
• Paramedical services, such as care from a chiropractor, osteopath, physiotherapist, chiropodist or podiatrist, up to $300 per profession
• Ambulance transportation
• Emergency dental due to a blow to the face (emergency expenses covered during your trip, plus $1,500 when you return home)
• Emergency dental due to pain, up to $300

Medical benefits also include coverage to bring someone to your bedside, expenses for meals, hotel accommodations and associated expenses if a medical delay prevents you from returning home, repatriation expenses, return of your remains if you die and a hospital allowance for expenses such as parking and TV rental.

Non-Medical Package: If you have medical coverage elsewhere, such as a RBC travel credit card , this covers trip cancellation and trip interruption, flight and travel accidents, and baggage loss, damage and delay.

TravelCare Package: For travellers over age 75, this package includes coverage for unlimited emergency medical, trip cancellation and interruption, baggage loss, damage and delay, and flight and travel accidents. Pre-existing conditions may also be covered depending on your answers to a medical questionnaire and the TravelCare category for which you qualify. There are three TravelCare categories: Gold, Silver and Bronze. Travellers with a score of zero on the questionnaire will be assigned to the Gold category that stipulates a 90-day stability period for pre-existing conditions. Travellers with median scores (between 5 and 35) will be assigned to the Silver category that requires a 180-day stability period, while travellers with the highest scores (40 and over) will be assigned to the Bronze category that requires a 365 day stability period. Here are some examples of questions and the related scores:

• Have you ever, in your lifetime, been diagnosed with any heart conditions? (No= 0, Yes = 20)
• In the last 12 months have you received or has your physician recommended chemotherapy or radiation therapy for any cancer condition? (No = 0, Yes = 5)
• In the past 12 months, have you used or been prescribed oxygen? (No = 0, Yes = 40)

Family plan pricing is available for both the Deluxe Package and Non-Medical Package.

When you go through the quote process, RBC Insurance also offers prices for basic Cancellation and Interruption Insurance and Classic Medical insurance.

We’ve highlighted key benefits of RBC Insurance Travel Insurance for the single trip plans to help you identify which coverage is the best fit for you.

The price of a RBC Insurance travel insurance plan depends on factors such as the cost of your trip, your age and the amount of coverage you choose.

Here are some examples of the cost for RBC Insurance travel insurance single trip plans for healthy travellers based in Ontario.

Emergency medical: $5 million Cancel For Any Reason: Yes, 50% to 75% Baggage insurance (maximum): $1,500

Related: CAA Travel Insurance Review

TD Insurance

Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000

Related: TD Insurance Travel Insurance Review

Manulife Financial

Emergency medical: $10 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000

Related: Manulife Financial CoverMe Travel Insurance

RBC Insurance offers a Package Upgrade Rider that can be purchased in conjunction with any of the packaged single trip or multi-trip options. It can not be purchased on its own. Here are the main benefit upgrades offered by this add-on:

Yes. You can buy multi-trip annual insurance if you travel more than once a year for multiple individual trips. RBC Insurance offers the Deluxe Package and the TravelCare Package for nine, 16 or 30 days. There is no multi-trip option for the Non-Medical Package. If you stay longer than the number of days you purchased, you can purchase a top-up.

Here’s how the prices between single-trip and multi-trip insurance for 16 days compare:

Worldwide emergency medical assistance is available 24/7 by calling RBC’s claims and assistance partner Allianz Global Assistance. When you have a medical emergency, the following support may be available:

• Referral to a recommended medical service provider near you
• Transportation to a suitable facility for medical treatment to stabllize or treat your medical condition
• Confirmation of coverage and direct payment of fees to the recommended medical service provider
• Consultation with your attending physician to monitor your care
• Monitoring of the appropriateness, necessity and reasonableness of care to ensure expenses will be covered

If you don’t call Allianz Global Assistance first, your benefits may be reduced and your coverage may be limited to 70% of your medical expenses under your insurance plan, meaning you’ll be financially responsible for 30% out of pocket.

RBC Insurance will not pay any medical expenses related to a medical condition that is not stable for a set period of time before your coverage takes effect, either 90, 180 or 365 days depending on your answers to a medical questionnaire that will assign you to one of three TravelCare categories: Gold, Silver or Bronze.

According to RBC Insurance, a medical condition is considered stable when all of the following are true:

• There has been no new treatment prescribed or recommended or any change in existing treatment, including a stoppage
• There has not been any change in medication, or any recommendation for or starting of a new prescription drug
• The medical condition has not become worse
• There has not been any new, more frequent or more severe symptoms
• There has been no hospitalization or referral to a specialist
• There have not been any tests, investigation or treatment recommended but not yet complete, nor any outstanding test results
• There is no planned or pending treatment

In addition, RBC Insurance will not cover:

• Any heart condition that is not stable in the 90, 180 or 365 days before your trip
• Any heart condition for which you’ve had to take nitroglycerin for angina pain in the 90, 180 or 365 days before your departure date
• Any lung condition that is not stable in the 90, 180 or 365 days before your trip
• Any lung condition for which you’ve been treated with or prescribed home oxygen, prednisone or prednisolone in the 90, 180 or 365 days before your departure date

There are a number of scenarios not covered by travel insurance and it’s critical to know what not to do before you make a claim only to be told you’re on the hook for all associated costs. The following are some of the most common issues not covered by travel insurance:

• A claim against an unstable pre-existing medical condition
• The continued treatment of a medical condition on once the emergency period has ended
• Your self-inflicted injury, suicide or attempted suicide
• Any claim related to a criminal offence or illegal act
• Any medical condition arising from the abuse of drugs, alcohol or other intoxicants, or withdrawal from drugs, alcohol or other intoxicants
• Any medical condition that is the result of you not following prescribed treatment
• Any claims related to non-emergency, experimental or elective treatment, such as cosmetic surgery, chronic care or rehabilitation
• Your participation in a sport as a professional athlete
• Your participation in rock climbing or mountain climbing
• Your participation in a motorized race or speed contest
• A trip made for the purpose of obtaining a diagnosis, treatment, surgery, investigation, palliative care, or any alternative therapy
• Any claim related to pre-natal or post-natal care
• Any claim related to a child born on the trip, or any claim related to pregnancy, delivery or complications of either arising nine weeks before or after your expected due date
• Any claim which would have caused a prudent person to seek medical treatment in the 90 days before your effective date
• Any claim incurred after a physician advised you not to travel
• Any claim related to a government travel advisory for “Avoid all non-essential travel” or “Avoid all travel”
• Any expenses from orbital space flights, sub-orbital space flights and space tourism

To be eligible for RBC Insurance travel insurance coverage, the following must apply:

• You must be a Canadian resident
• You must be under 60 years of age and travel for 183 days or less
• You must be 60 years of age or older and under 75 years of age and travel for 60 days or less
• Have correctly completed the medical questionnaire if the non-refundable portion of your trip costs exceed $15,000
• Be covered under your government health insurance plan, or your insurance maxes out at $20,000 in coverage

You can file a claim by visiting the RBC Insurance travel insurance website where you can obtain an emergency medical or cancellation and interruption claim form. You can complete the document(s) digitally and then submit it and all required documentation through the online claim submission page.

If you are making an emergency medical claim, documentation may include:

• Original of all bills, invoices and receipts
• Proof of payment by your government health insurance plan and payment from any other insurer or benefit plan
• A complete diagnosis from the physicians and/or hospitals who provided the treatment including verification that the treatment was medically necessary
• For accidental dental expenses, proof of the accident

For a trip cancellation and trip interruption claim, you may be asked to provide:

• A medical document stating why travel was not possible
• Written evidence of the covered reason that caused the cancellation, interruption or delay
• Tour operator terms and conditions
• Complete original unused transportation tickets, vouchers, cruise shore excursion or special ticket events
• Receipts for the prepaid land arrangements and/or out of pocket expenses
• Original passenger receipts for new tickets
• Reports from the police or local authorities documenting the cause of a missed connection
• Detailed invoices and/or receipts from the service provider(s)

If you are making a baggage loss, damage and delay insurance claim, you will need to provide:

• Proof of loss/damage (copies of reports made to the authorities), proof of ownership and receipts for the items claimed in the event of loss or damage
• Proof of delay and receipt for purchases or necessary toiletries and clothing in the event of a delay

If you are making a flight and travel accident insurance claim:

• Police reports, medical records, death certificate, autopsy report or coroner’s report

You must file a claim within 90 days of return to your departure point.

RBC Insurance Travel Insurance FAQs

Does rbc insurance pay for medical costs upfront.

According to the company, the payment of eligible medical services will be coordinated through RBC Insurance, communicated with your medical provider and billing arrangements “will be discussed.” The insurer notes that pay assistance “may not be available from certain medical service providers for reasons beyond our control.”

Does RBC Insurance offer coverage extensions?

Yes. Your coverage is automatically extended for 72 hours starting on the final day of your trip due to a transportation delay. If you or your travelling companion are hospitalized, your coverage is extended for the period of hospitalization, plus up to five days after discharge. If you or your travelling companion is unfit to travel due to a medical emergency that does not require hospitalization, your coverage is automatically extended for up to five days.

You can also request an extension if you want to stay longer on your trip, provided you apply before the expiry date of your policy and you haven’t made any claims or you’re not currently seeking treatment. If the extension is not available, you may be able to purchase a new policy.

Does RBC Insurance cover COVID-19?

The emergency medical coverage provides for medical expenses related to COVID-19 as long as there are no “Avoid all travel” or “Avoid all non-essential travel” advisories issued by the Canadian government on the day you depart on your trip. RBC Insurance will not pay trip cancellation or interruption benefits if you are required to cancel your trip for a reason related to COVID-19 unless:

• You get sick with COVID-19 and it prevents you from travelling as planned • Your spouse and/or children become sick with COVID-19 and prevents you from travelling as planned

Does RBC Insurance require a medical questionnaire?

Yes. Travellers age 65 and over must complete a comprehensive medical questionnaire that asks questions about your eligibility for insurance.

If it’s discovered that you did not answer the questions truthfully or there are any errors, this may void your plan and/or your claim may be denied.

Also, regardless of age, if the non-refundable portion of your pre-paid travel expenses exceeds $15,000, you will be required to complete the medical questionnaire.

Does RBC Insurance have any age restrictions?

If you are between 60 and 75 years old, the maximum number of travel days is 60 days. Also, travellers over age 65 need to quote and buy insurance separately even when travelling together. The Deluxe Package is available for travellers aged 0 to 74 for single trip plans and age 0 to 64 for multi-trip plans. The TravelCare Package is available for travellers age 75 and over for single trip plans and age 65 and over for multi-trip plans. The Non-Medical Package is available for all ages.

When does my coverage with RBC Insurance begin?

In general, if you purchase cancellation coverage, it begins the day you buy your policy and ends the day when you make a claim or leave on your trip. Your interruption coverage, if purchased, begins when you leave home. Your delay coverage begins once an insured risk prevents you from returning home as scheduled.

Does RBC Insurance offer a free look period?

Yes. RBC Insurance offers a 10-day “Free Look” period where you can review your policy and decide to cancel it within 10 days of purchase if you have not already left for your trip and there is no claim in progress or you have not experienced an event that would cause you to submit a claim.

Can I get a refund with RBC Insurance?

Refunds after the 10 day “Free Look” period are not permitted unless:

• The supplier (tour operator, airline, etc.) cancels your trip and all penalties are waived • The supplier changes the travel days and you are unable to travel on these dates and all penalties are waived • You cancel your trip before any cancellation penalties are in effect

Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

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• Call 1-800-769-2553
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• RBC Bank (U.S.) Online Banking
• RBC Royal Bank Online Banking

Cross-Border Discover & Learn

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

Most Recent

Frequently Asked Questions

Eligibility.

Will my age affect my coverage eligibility?

Generally speaking, no. While your age can affect the type of coverage you can buy, we have packages and plans that cover all age groups. If you are age 65 or older, we may ask you to answer a few questions about your health to ensure you have the appropriate coverage in place.

Will a pre-existing medical condition affect my coverage?

Possibly. Depending on your age, condition and, if applicable, your answers to our health questions, pre-existing medical conditions (opens modal window) are covered if they are stable (opens modal window) for a certain time period (as specified in your insurance document) before your insurance effective date.

• If you are under age 65: pre-existing conditions are covered if they have been stable for at least 90 days before your insurance effective date.
• If you are over age 65: for our TravelCare ® Package and our TravelCare ® Medical Plan, we use your answers to our health questions to determine the TravelCare category you are eligible to purchase. These categories include: Gold, Silver and Bronze. Each category offers different coverage exclusions for pre-existing conditions (opens modal window) .

Note: Please refer to the insurance documents for complete coverage details regarding pre-existing conditions.

What do I need to know about completing the health questions?

Your answers to the health questions (if applicable) will place you into one of three categories and form part of your insurance.

When answering the health questions:

• Be sure to take your time. The health questions may take up to 10 minutes to complete.
• If someone else completes the health questions on your behalf, keep in mind that it is still your responsibility to sign the form and make sure the answers are correct.
• Please read each question carefully as incorrect answers will lead to cancellation of your coverage and the denial of your claim.
• Have your prescriptions or a description of your medication nearby for reference.
• Please review the answers you have provided to the health questions to confirm that they are correct.
• If you are unsure about any questions regarding your medical condition (opens modal window) or medications, please speak to your physician.

Is it okay for a relative to complete the health questions on my behalf?

If necessary, you may have someone else complete the health questions on your behalf. Please keep in mind, however, that it is still your responsibility to sign the form and make sure the answers are correct.

My child is travelling with me. Do I need to buy separate coverage for him or her?

This answer depends mainly on the child's age.

• If your child is under 2 years old and you are purchasing the Deluxe Package or a TravelCare Package, then your child receives emergency medical coverage at no extra cost.
• If your child is 2 or older , you'll need to purchase emergency medical coverage for him or her.
• No matter how old your child is , if you've purchased an airline ticket or made a separate trip deposit for him or her, you may wish to buy a travel insurance package that contains trip cancellation and interruption insurance as well as baggage and personal effects insurance.

My parents are travelling. Can I buy insurance on their behalf?

Yes, you may purchase insurance on behalf of your parents. Depending on their age, they may be required to complete health questions in order to obtain coverage. If this is not a requirement, please keep in mind that all terms and conditions apply to your parents, therefore we recommend that you review the insurance with them prior to purchase.

Which travel insurance package or plan is right for me?

The appropriate coverage for your trip depends on several factors, including (but not limited to) where you're travelling to, how long you will be gone, the kind of transportation you'll be using and, in some instances, your health condition.

Doesn't my credit card cover me when I travel?

It might, and it might not. We recommend that you carefully review the travel insurance coverage that your credit card provides, as well as any conditions or stipulations. You may also wish to speak with your Credit Card company.

Doesn't my government health plan cover me when I'm travelling in the U.S. or Canada?

We recommend that you carefully review your government health plan coverage. Government plans may not cover all emergency medical expenses once you leave your home province/territory and typically cover only a limited portion once you leave the country. In fact, the Canadian Government (Consular Services, Foreign Affairs and International Trade Canada) urges all Canadians to purchase supplemental health insurance when leaving the country. They say:

Do not rely on your provincial or territorial health plan to cover costs if you get sick or are injured while abroad. Out-of-country healthcare can be costly, and your health plan may not cover any medical expenses abroad. It is your responsibility to seek information from your provincial or territorial health authority and to obtain supplementary travel insurance and understand the terms of your insurance. Disclaimer 2

Plus, government health insurance plans don't guarantee coverage for special care (air ambulance or emergency dental services, for instance).

Unlike government health insurance plans, our insurance offers you:

• Unlimited coverage for eligible medical expenses Disclaimer 1
• Up-front payment of eligible medical expenses whenever possible
• 24-hour, multilingual emergency medical assistance—one toll-free phone call puts you in touch with a multilingual professional who will refer you to a local doctor or facility in order for you to receive the care you need. Government health insurance plans also don't provide coverage for situations such as lost, damaged or delayed baggage or trip cancellation and interruption. Our travel insurance can provide these coverages and more.

Why do I need travel medical insurance when I travel abroad?

An accident, illness or emergency can happen anywhere. If you need medical care in another country, your government health plan may pay only a portion of the costs. Travel insurance starts where these plans leave off.

Plus, with our emergency medical coverage, you have access to the multilingual representatives of Allianz Global Assistance.

Because our representatives are multilingual and have 24-hour access to real-time translation services, we can provide the help you need in your own language—and also have someone to communicate on your behalf with medical personnel who may speak a different language.

Here for you 24 hours a day, seven days a week, our representatives are experienced experts in coordinating emergency care for travellers in foreign lands.

Whenever possible, Allianz Global Assistance will also request for the medical service provider within the network to bill the covered medical expenses directly to us instead of you—reducing stress and hassle.

When should I purchase my travel insurance?

You must purchase coverage before departing on your trip. You may benefit from purchasing coverage when you make your initial trip deposit, especially if you are purchasing insurance that includes trip cancellation and interruption coverage.

For example, consider the fact that more than half of Canadian travellers book their trips at least 6 months in advance. Disclaimer 2 Then consider the unpredictable things that might happen in that time.

Am I covered if I participate in any sports during my trip?

There are various sports that are not covered during your trip, all of which are described in more detail under the General Exclusions section of the insurance documents.

Can I extend my emergency medical coverage if I extend my trip?

You may extend your coverage if you extend your trip, subject to certain conditions of your insurance.

If you've purchased a single-trip plan, the following conditions apply:

• If you have not had a medical condition (opens modal window) during your trip or while covered under your insurance, you can request an extension by contacting us before the expiry date of your original insurance.
• If you have had a medical condition (opens modal window) during your trip and while covered under your insurance, you must request the extension by contacting Allianz Global Assistance before the expiry date of your original insurance. Your extension is subject to the approval of Allianz Global Assistance.
• You must pay the required additional premium before the expiry date of your original insurance.

If we cannot extend your particular insurance coverage due to the trip duration limits of your insurance, you may be able to purchase a new insurance coverage from us.

If you've purchased a multi-trip annual plan, the following conditions apply:

You may purchase top-up coverage for the additional number of days beyond the duration covered by your multi-trip annual plan as follows:

• Before your effective date, you may contact us to purchase top-up coverage.
• After your effective date and if you have not had a medical condition (opens modal window) during your trip, you must contact us before the expiry date of your original insurance to purchase top-up coverage.
• After your effective date and if you have had a medical condition (opens modal window) during your trip, you must contact Allianz Global Assistance before the expiry date of your original insurance to request approval for and to purchase top-up coverage.
• The terms, conditions and exclusions of the new top-up insurance apply to you.
• You must pay the required top-up premium on or before the effective date of the top-up period.

If you do NOT top up your coverage for a trip, you will not be covered for any claims you make outside the period of insurance for that trip. If the top-up coverage you are purchasing requires you to complete health questions, you must complete the health questions.

Please see the insurance documents for complete coverage details regarding trip extensions.

I bought a multi-trip annual plan, but one trip I'm planning will extend past the ending date of my coverage. How can I ensure I'm covered for the added days I'm travelling?

You may purchase top-up coverage for the additional number of days beyond the duration covered by your multi-trip annual plan. Here are the conditions:

• After your effective date and if you have not had a medical condition (opens modal window) during your trip, you must contact us before the expiry date of your original coverage to purchase top-up coverage.
• After your effective date and if you have had a medical condition (opens modal window) during your trip, you must contact Allianz Global Assistance before the expiry date of your original insurance coverage to request approval for and to purchase top-up insurance coverage.
• The terms, conditions and exclusions of the new top-up coverage apply to you.

Please see the insurance documents for complete coverage details regarding top-up coverage.

Can I purchase emergency medical coverage for a single trip that is longer than 183 days?

If you purchase one of our travel medical insurance plans—either Classic Medical or TravelCare ® Medical—you can, prior to the insurance’s expiration date and subject to certain conditions. Please contact us.

Do you offer family prices?

Yes, emergency medical coverage for family members under 65 years of age is available with our Classic Medical Plans (single-trip or multi-trip annual). This coverage insures you and your partner/spouse and/or children when they travel with you or join you during your trip. You may insure your natural and adopted children and stepchildren under this plan if they meet one of the following criteria:

• They are unmarried and under the age of 21
• They are unmarried, over 20 years old and have a mental or physical handicap
• They are unmarried, under 26 years old and are full-time students

Family pricing is also available under Deluxe Package Single Trip, Non-Medical Package and our Travel Within Canada Package.

Why is trip cancellation and interruption insurance important?

Your trip probably represents a significant investment. Plus, you may be among the 51% of Canadian travellers who book their trips at least 6 months prior to departing. Disclaimer 2 A lot can happen in that time—if a medical emergency or other unfortunate event prevents you from going on your trip, you may lose some (or possibly all) of the money you paid.

With trip cancellation and interruption insurance, you're protected when a specified situation prevents you from travelling as planned. Examples include:

• You can't travel due to an illness, job loss or immediate family member's medical emergency
• You need to return home earlier than scheduled because of a family emergency or medical condition (opens modal window)
• And more—our travel insurance packages provide trip cancellation and interruption insurance coverage for many specified situations

Note: We strongly recommend that you purchase this insurance at the time you pay your initial travel deposit. Please see the insurance documents for complete coverage details, including terms and conditions.

Do I really need to read my travel insurance document?

We strongly recommend that you do. Your insurance document is a valuable source of information and contains provisions that may limit or exclude coverage. Please read it before you go, keep it in a safe place and carry it with you when you travel.

Legal Disclaimer 1) 1) This insurance is subject to a maximum of $20,000 if you do not have valid government health insurance plan coverage in force for the full length of your trip. Please read the policy for all terms and conditions.

Legal Disclaimer 2) "Bon Voyage, But... Essential Information for Canadian Travellers." http://travel.gc.ca (opens new window) . Government of Canada. Foreign Affairs, Trade and Development Canada. http://travel.gc.ca/travelling/publications/bon-voyage-but#before (opens new window) . March 2, 2015. Web. October 8, 2015.

Medical Condition

Any disease, illness or injury (including symptoms of undiagnosed conditions).

For insurance purposes, “ stable ” is defined as any medical condition when all of the following statements are true:

• there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment ), and
• there has not been any change to any existing prescribed drug (including an increase, decrease, or stoppage to prescribed dosage), or any recommendation or starting of a new prescription drug , and
• the medical condition has not become worse, and
• there has not been any new, more frequent or more severe symptoms, and
• there has been no hospitalization or referral to a specialist, and
• there have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
• there is no planned or pending treatment .

All of the above conditions must be met for a medical condition to be considered stable .

TravelCare ® Categories - Pre-existing Medical Conditions Exclusions

The chart below lists the benefits and exclusions related to pre-existing medical conditions for each TravelCare category.

(We use your completed medical questionnaire to determine the TravelCare category you are eligible to purchase.)

HelloSafe » Travel Insurance » RBC

Is RBC travel insurance the best in 2024?

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Information verified by   Alexandre Desoutter

Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.

Visiting another country or province without travel insurance can be a costly mistake. Indeed, did you know that an overnight stay in a hospital in the United States can exceed $14,000 CAD? Some countries might even refuse to help you if you are unable to prepay for treatment.

Travel insurance is a necessity when you are away from home . It guarantees your ability to access and pay for health care, if and when you need it. Beyond medical emergencies, travel insurance can also help with flight issues, lost luggage, and more.

While you're looking at options, have you considered RBC travel insurance? What does RBC cover? For what price? What are its pros and cons? Read our review on RBC travel insurance, get a quote, and see how the competitors fare.

Our 2024 review of RBC travel insurance

The Royal Bank of Canada, often abbreviated to RBC, is a global financial institution and one of the largest banks in Canada. Buying RBC Travel insurance means getting coverage from a trusted brand. A variety of plans means that you can buy the right amount of coverage for your trip and medical needs.

Continue below for RBC travel insurance pros and cons:

Why RBC could be right for you:

• Unlimited medical benefits
• Easy, online application
• Enjoy coverage for your items as well – they are covered against theft, loss, damage and delay.
• 24/7 global telephone assistance.

Why RBC may not be right for you:

• Unlimited emergency medical coverage is limited to just $20,000 if you do not have a valid government health insurance plan
• RBC's Emergency Medical Insurance Coverage is only for Canadian residents only.
• Less generous Covid-19 coverage that many competitors

Before choosing RBC, compare options and quotes. A little shopping around can help you to save money and find a coverage that really fits your needs:

Compare the best travel insurance plans on the market!

What does RBC travel insurance cover?

RBC offers a wide range of plans covering emergency medical intervention, trip cancellation and coverage on personal items and accidents during your trip and journey. Here are the types of plans available with RBC:

For more information, download the PDF below:

The Travel within Canada package covers unlimited emergency medical interventions for all domestic travels in Canada. It also features extensive benefits on trip cancellation, interruptions and flight accidents.

RBC offers Visitors to Canada Insurance. This covers both emergency and general medical interventions. Personal items are also covered from theft, loss or damage.

Students coming into Canada can also take advantage of the RBC travel insurance package for students. It is extensive and caters for general and emergency medical interventions. The rbc travel medical insurance is quite comprehensive providing coverage up to $5 million and on par with other popular insurances like Manulife travel insurance .

What does RBC Avion travel insurance cover?

Apart from traditional travel insurance, there is also RBC credit card travel insurance available for cardholders.

RBC avion travel insurance can be accessed through the RBC Avion Visa Infinite Privilege card that comes at an annual fee of $399.

In the event of medical emergencies, the RBC Avion provides emergency medical coverage of up to $5 Million for a period of 31 days. For trip cancellations, the insurance offers protection of up to $2,500 per insured person, allowing you to recover non-refundable expenses.

Additionally, if your trip gets interrupted for covered reasons, such as illness or a family emergency, the insurance provides coverage of up to $5,000 per insured person to compensate for the costs incurred.

In the event of flight delays, the RBC Avion offers coverage of up to $1,000 to assist with additional expenses and inconvenience. For lost or stolen baggage, there is a coverage of up to $2,500.

Moreover, in the unfortunate event of hotel burglary, the insurance provides coverage of up to $3,000, offering financial protection for your belongings. The travel accident coverage provides up to $500,000 in coverage. It also covers rental car loss or damage.

Pros of rbc avion

• Faster security clearance at prime Canadian airports
• Extensive medical coverage
• Rental car coverage

Cons of rbc avion

• High income requirement of personal or household $200,000
• High annual fee

For assistance, you can contact: 1-800-533-2778 toll-free from the US & Canada or 905-816-2581 collect from anywhere in the world .

What is RBC westjet mastercard travel insurance coverage?

The RBC westjet Mastercard travel insurance provides $500,000 accident coverage when you're traveling. It also includes a hotel/motel burglary coverage of $2,500 per incident.

It also includes emergency purchases insurances to cover you during unexpected incidents by up to $500. Flight Delay Insurance of $250 per day per covered person is also included.

There is also emergency medical insurance coverage for the first 15 consecutive days of your trip if you are under 65. For those above the age of 65, the coverage is for 3 days. Check with your provider for the complete information on the coverage.

What does RBC preferred visa travel insurance cover?

Apart from the aforementioned options, there is also the RBC preferred visa travel insurance specifically for Preferred Visa cardholders.

There is Emergency Medical insurance coverage that includes hospital, doctor fee, prescription drugs, and more. The insurance also covers trip cancelations and trip interruptions.

It is to be noting that pre-existing medical conditions that are not stable are not covered. However, it's best to review the complete document or speak to RBC customer care to get the complete and up-to-date information.

Good to know

There is also RBC world elite mastercard travel insurance and RBC visa gold travel insurance provided for cardholders. Both these insurances should cover emergency medical insurance, trip cancellation and interruptions, accident insurance, and flight delays, among other essential coverage. Please contact RBC customer care for more information.

Does RBC travel insurance cover covid?

RBC travel insurance covid coverage is available under its travel insurance plans. It provides emergency medical coverage for medical expenses related to COVID-19, as long as there are no travel-ban advisories issued by the Canadian government on the day you depart on your trip.

Regarding trip cancellation or interruption benefits related to COVID-19, RBC Insurance will not pay unless certain conditions are met. These conditions include:

• If you get sick with COVID-19, preventing you from traveling as planned.
• If your spouse and/or children become sick with COVID-19, preventing you from traveling as planned.

In these situations, RBC Insurance may provide coverage for trip cancellation or interruption expenses. However, it's important to carefully review the specific terms and conditions of your policy, as they may contain additional requirements or limitations for coverage related to COVID-19.

How much does RBC travel insurance cost?

The price of travel insurance coverage depends on:

• Your desired coverage and otpions.
• Your deductible.
• Your waiting period.
• Your destination(s).
• The lenght of your trip.

Expert advice

Therefore it will be important to get an individual quote customized for your unique needs.

How to buy RBC travel insurance?

RBC packages are available through their website or by calling RBC travel insurance contact at 1-800-565-3129 or 1-866-317-3122. You could also fill in your details on the RBC website and an advisor will get in touch with you with quotes based on your unique needs.

Before settling on RBC, we advise you shop around! You can quickly and anonymously compare prices from leading travel insurance companies using our free comparison tool below:

Is there RBC travel insurance for seniors?

Yes, RBC travel insurance for seniors provides affordable plans for mature travellers , offering coverage for essential medical expenses, lost baggage, trip cancellation, and more.

RBC medical travel insurance for seniors services include 24-hour worldwide emergency medical and travelling assistance with multilingual professionals available round the clock. They offer unlimited coverage for eligible medical expenses not covered by government health insurance and provide coverage for stable pre-existing conditions.

RBC ensures safe transportation to the nearest medical facility and even covers the cost for a companion to travel to your bedside. They facilitate direct payment of medical bills whenever possible and have packages tailored to all age groups, including seniors.

They may require you to answer some health-related questions for individuals aged 65 and above to make sure you get the most appropriate coverage.

How to file RBC travel insurance claim ?

Claims can be filed directly on their website. You will have to fill up a claim form, like the one attached below, to initiate the process. You will have to provide supporting documents like proofs from your physician in case of medical claims.

In case of travel interruptions or delays, you must provide documents of your reservations and flight details and cancelations if any.

You can also file your claim by calling the following phone numbers:

• 1-800-387-2487 (Toll-free from Canada and USA)
• 905-816-2561 (Collect from anywhere)
• 1-800-263-8944

How can I contact RBC travel insurance?

For any queries, you can reach the RBC's customer care at the following phone numbers:

• 1-800-387-2487 (Canada and USA)
• +1-905-816-2561 (Worldwide)

How to cancel RBC travel insurance?

In case you want to cancel your policy, you can contact the RBC travel insurance phone number 1-800-565-3129 and follow the instructions.

If you cancel the insurance within 10 days of purchase of the policy and have no initiated any claim and haven't left for your trip, you are eligible for a full refund. If more than 10 days has passed, contact the RBC customer care for further details.

You can also refer to the " insurance premium " section of you insurance document to find details on cancellation and charges.

Now that you know everything you need to in order to decide if RBC is the right fit for you, you can use our comparator to compare other insurances and also get quotes to make the best decision.

Save up to 25% on your travel insurance with our partner soNomad

Get a quote

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Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.

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Register and shop anywhere with your RCBC Visa Credit Card!

Free Travel Insurance and Purchase Protection

Enjoy a worry-free travel with your RCBC Credit Card.

• Free Travel Insurance And Purchase Protection
• Travel Plus

*Eligible RCBC Credit Cards: Platinum Mastercard (Black, Diamond, YGC Rewards Plus Platinum), Hexagon Club, JCB Platinum, and UnionPay Diamond

**Spouses and parents up to 64 years old and children and siblings (unmarried and unemployed) up to 21 years old are eligible.

Terms & Conditions apply.

• When shall the cover commence and end? The cover will start from the date of purchase until 23:59 hours on the 90th day thereafter, except for items purchased under a merchandising program in which case shall commence from the date of delivery in undamaged condition to the Cardholder and until 23:59 hours on the 90th day thereafter.
• What is my maximum allowable benefit? Malayan Insurance shall only pay the purchase price of the item or the portion of such purchase price charged to the Card, up to Php 50,000 or the card’s credit limit, whichever is lower.
• Is the item still covered when I leave the country where I purchased it? YES, this is still covered. There is no geographical limit on the coverage of the item, as long as it is still within the period of ninety (90) days from date of purchase.
• Is Jewelry and Gems covered under this program? YES, but only as personal effects of the Cardholder against ROBBERY and BURGLARY, subject to a deductible (# 6). Coverage shall be from the date of purchase until the Cardholder/Insured arrives home or upon expiration of 30 days whichever comes first.
• Is there a deductible or participation fee when I file for a claim? Yes. There is a deductible of 10% of loss, or Php 5,000.00, whichever is higher, for each and every loss. Jewelry and Gems is subject to a deductible of 20% of the cost, or Php 5,000.00, whichever is higher.
• Property that is insured under an insurance policy, unless its coverage does not extend to cover such loss;
• Property that is covered under a guarantee or warranty unless the loss is not otherwise covered;
• Consumable and Perishables;
• Motor vehicles, or their motors, equipment and accessories (including communication devices intended solely for use in the vehicle), bicycles, marine craft, aircraft, model airplane and boats;
• Business Property purchased to be used for business purpose;
• Cash bank and currency notes, checks, travelers checks, money orders, postal orders, postage stamps, securities, negotiable instruments of any kind, bullion, rare or precious coins, documents or tickets of any kind, unset gemstones;
• Livestock, pets, animal, plants or other living creatures;
• Art, antiques, firearms and collectible items;
• Jewelry, gems, precious stones and articles made of or containing gold (or other precious metals and/or precious stones) unless these are to be used as Cardholder’s personal effects and not part of the Cardholder’s trade or business
• Mechanical, electrical or electronic breakdown, failure or derangement;
• Theft from any unattended vehicle unless all windows are securely closed and all doors, boot and openings are securely locked and there is a visible sign of break-in or forcible opening or entry.
• Marring or scratching, denting or chaffing, deterioration, depreciation, alteration, maintenance, any process of cleaning or dying, repairing or renovation, bleaching, dyeing, restoring or servicing.
• Leakage, loss of weight, shrinkage, evaporation, bulging, buckling, contamination, insect or vermin, inherent vice, wear and tear, rust, corrosion, mildew, atmospheric, or climactic conditions (including wind, rain, hail, sleet, snow and frost) or any other gradually operating causes;
• Delay, seizure, confiscation, destruction, requisition, retention or detention by customs or other government of public authority or official.
• The intentional, deliberate or fraudulent acts of the Cardholder or his representatives, or anyone residing in the same household or to whom the item has been entrusted.
• Mysterious disappearance or unexplained losses.
• Transit by air, vessels or ships, trains or vehicles, or any other modes of Public Transportation unless the Item is hand-carried by the Cardholder during the course of the transit.
• Product defects, faulty or defective design, material or workmanship, latent defect.
• Ionizing radiation or contamination by radioactivity from any nuclear waste from the combustion of nuclear fuel, or the radioactive toxic explosives or hazardous properties of any nuclear assembly or nuclear component thereof.
• Acts of God including but not limited to earthquake, volcanic eruption, hurricane, cyclone, typhoon, windstorm and tornado, flood including overflow of the sea, sandstorm.
• Shipping and handling expenses or installation, assembly related costs.
• Items purchased for resale, professional or commercial use.
• Losses that are caused by vermin, insects, termites, mold, wet or dry rot, bacteria or rust.
• Losses due to mechanical failure, electrical failure, software failure, or data failure including, but not limited to any electrical power interruption, surge, brownout or blackout, or telecommunications or satellite systems failure.
• Items damaged due to normal wear and tear, inherent product defect or normal course of play (such as, but not limited to sporting or recreational equipment).
• Items that cardholder damaged through alteration (including cutting, sawing, and shaping).
• Items left unattended in a place to which general public as access.
• Losses due to or related to nuclear, biological or chemical event.
• Loss which arises directly or indirectly by reason of or in connection with war, invasion, or act of foreign enemy, hostilities or warlike operations (whether war has been declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportion of or amounting to a popular uprising, military or usurped power, martial law, riot or the act of any lawfully constructed authority.
• The insured’s person’s failure to exercise the necessary level of care and attention needed to avoid or diminish such loss or damage to the Insured Item.
• Diminution in value or loss of use of the Insured Item or consequential loss of any and every kind.
• How can I claim? A written notification to Malayan Insurance must be made within 48 hours from the happening of the incident and complete claim documents must be submitted to Malayan Insurance within seven (7) days from the date of the incident.
• Proof that the damaged or stolen item/s has been charged to the cardholder’s credit card
• Original copy of Sales Invoice or Original Receipt for the damaged or stolen items
• Affidavit of the cardholder on how the loss or damage of the purchased item/s was incurred
• Police report for Theft or Stolen Item claims
• Replacement cost or repair estimates for damaged item claims

RCBC Credit Card spend on international airfare, cruise tickets, or tour packages through a travel agency originating from the Philippines are eligible for free Travel Insurance and Purchase Protection. 

Medical report Register for your free Travel Insurance when your credit card transaction is posted until/at least seven (7) working days before your trip at https://cloud.marketing.rcbcbankard.com/travelinsurance .

No. Travel Insurance registrations through the website will prompt you to enter your posted transaction date and the amount reflected in the Statement of Account or the RCBC Pulz app. Make sure to have this information ready for seamless registration.

No. In order to receive your Travel Insurance electronic Certificate of Cover (e-COC) before your flight, online registration is required at least 7 working days prior  to your scheduled flight. We strongly recommend that you register early at: https://cloud.marketing.rcbcbankard.com/travelinsurance . 

 Your international trip is covered for up to 15 calendar days. You can request added coverage from our insurance provider and pay with your RCBC Credit Card!

● Extension of cover

● Top up/upgrade to COVID cover - for Plan B ONLY. NOT APPLICABLE TO PLAN A .

● Other companion (exceeding 2).

To request for added coverage, please get in touch with MALAYAN INSURANCE:

        Email: [email protected] , [email protected]

        Telephone (632) 8628-8341/8342 , (632) 8628-8712 / Mobile (+632)920 9455119

The Insurance Provider will cover flights from the PHILIPPINES to international destinations, including those with layovers and extended/multiple stopovers in other countries. Qualified origin is from anywhere in the Philippines; the destination is another country only, not vice versa. 

Yes. Supplementary cardholders who use their RCBC Credit Card to purchase international airfare, cruise tickets, or tour packages from travel agencies are also entitled to free Travel Insurance without Purchase Protection . 

If you need travel insurance and your flight is less than 7 days away, please contact the RCBC Credit Customer Hotline at (02)8888-1888 for assistance. Please note that requests made during the travel period will not be accepted.

If you register at least 7 working days before your flight and have yet to receive your eCOC, please call the RCBC Credit Customer Hotline (02)8888-1888 or send an email to [email protected] so we can check the status of the request and provide feedback. 

General Requirements

• RCBC Credit Card used to purchase the international travel ticket
• Statement of Account showing purchase of International Airline Ticket
• International Airline Ticket/Boarding Pass
• Passport duly stamped by Bureau of Immigration (Departure and Arrival)

Personal Accident

• Medical report
• In case of death, original copy of the Death certificate and coroner’s report
• Police report (if a medico legal case or a vehicular accident) or a duly notarized written statement by the claimant

Emergency Medical Treatment

• Out-patient

a. Original Official Receipts

b. Medical report

c. Laboratory results (if any was done)

2. In-patient

a. Statement of Account (with breakdown)

b. Official Receipts

c. Medical Report

d. Laboratory results (if any was done)

e. Operative record and hispathology results (if surgery was done)

f. Police report (if a medico legal case or a vehicular accident) or a duly notarized written statement by the claimant

Emergency Trip Cancellation

• Medical Certificate of assured or family member
• Duplicate copy of death certificate of the immediate family member (if family member died)
• Birth certificate/marriage contract of the assured (depending on the relationship of the assured with the immediate family member)
• Certificate of cancellation of flight from airline
• Original receipts of pre-booked and non-refundable lodging and transportation

Emergency Trip Termination

• New ticket purchased
• Boarding passes or stamp on passport

Loss of Travel Documents

•  Notarized incident report or police report
• Document issued by the carrier for lost travel tickets or the embassy for lost passport
• Copy of the replacement passport and/or travel tickets
• Official receipts of the travel and communication expenses incurred in getting a replacement passport or travel tickets

Flight Delay

• Irregularity report issued by the airline indicating the reason of the delay
• Receipts of expenses (food, lodging, transportation)

Strikes and Aircraft Hijacking

Loss of Baggage

• Baggage irregularity report issued by the airline if the loss occurred while the baggage was under their custody
• Police report if stolen
• Original official receipt/s of the lost baggage/s
• List of lost items with brand, model, type and corresponding amount

Baggage Delay

• Baggage irregularity report issued by the airline
• Delivery report from the airline stating the exact date and time that the baggage was retrieved
• Original official receipts of expenses incurred (on toiletries and clothing)
• Certificate issued by the carrier for lost travel tickets or the embassy for lost passport
• Copy of the replacement passport and/or lost travel tickets
• If loss occurred in such circumstances, an irregularity report from the airline or a police report
• Official reports of the travel and communication expenses incurred in getting a replacement passport or travel tickets

Travel Insurance

More coverage in more places ®.

Get out there and enjoy yourself knowing you have the right coverage and 24/7 access to a caring team who’s always on call—no matter how big or how small the emergency.

More Coverage In More Places™

• Coverage Types
• Submit Claim

Explore Your Coverage Options

Travel packages.

Coverage for the widest range of unexpected travel situations.

Travel Medical

Coverage to fill the gap left by my provincial health insurance.

Cancellation & Interruption

Coverage for non-refundable and/or non-transferable trip expenses if my trip is cancelled or interrupted.

Visitors to Canada

When visiting, immigrating to or studying in Canada and need emergency medical coverage.

Travel Insurance Advice by Trip Type

Choose from the topics below for some quick advice on the type of coverage that may be right for you:

Travel Insurance FAQs

Have a question about travel insurance? Get the answers you need here.

For questions about travel and COVID-19, please visit the COVID-19 page.

• Eligibility
• Emergencies

Our goal is to make affordable travel insurance coverage available to as many Canadians as possible. In general, any Canadian resident can purchase some form of coverage with us. Factors such as where you are travelling, your health and the length of your trip may affect the specific coverage(s) available to you.

Note : Non-residents travelling to Canada, immigrants to Canada or foreign students studying in Canada may be eligible to purchase one of our Visitors to Canada Plans.

Generally speaking, no. While your age can affect your eligibility for certain coverages, we have packages and plans that cover all age groups. If you are age 65 or older, we may ask you to answer a few questions about your health to make sure you have the most appropriate coverage.

Yes, you may purchase a policy for your parents. Simply call us at 1-866-896-8172 , buy online , or visit an RBC Insurance Store . Depending on their age, they may be required to complete health questions in order to obtain coverage. If this is not a requirement, please keep in mind that all terms and conditions apply to your parents, therefore we recommend that you review the insurance with them prior to purchase.

Possibly. Depending on your age, medical condition and, if applicable, your answers to our health questions, pre-existing medical conditions are covered if they are stable for a certain time period (as specified in your policy) before your policy's effective date.

Note: Please refer to the policy document for complete coverage details regarding pre-existing conditions.

Your answers to the health questions (if applicable) will be used to help determine the benefits you are eligible to receive under your insurance policy.

When answering the health questions:

• Take your time. The questions may take up to 10 minutes to complete.
• You (the applicant) should complete and sign the Medical Questionnaire. (If you have someone else complete the Medical Questionnaire on your behalf, it is still your responsibility to make sure the answers to the questions are correct.)
• Read and answer each question carefully and accurately. Review your answers to confirm they are correct. Incorrect answers may lead to your coverage being voided or your claim denied.
• Have your prescriptions or a description of your medications nearby for reference.
• If you are unsure about any questions regarding your medical condition or medications, please speak to your physician.

If necessary, a family member or close friend can complete the questions on your behalf. Please keep in mind, however, that it is still your responsibility to sign the form and make sure the answers are correct.

Yes, it is recommended that you buy coverage for your spouse as well.

This answer depends largely on your child's age.

• If your child is under 2 years old and you are purchasing the Deluxe Package or a TravelCare ® Package, then your child receives emergency medical coverage at no extra cost.
• If your child is 2 or older , you'll need to purchase emergency medical coverage for him or her.
• No matter how old your child is , if you've purchased an airline ticket or made a separate trip deposit for him or her, consider buying a travel insurance package or trip cancellation and interruption insurance .

The right coverage for your trip depends on several factors, including (but not limited to) where you're travelling to, how long you’ll be gone, the kind of transportation you'll be using and, in some instances, your overall health. View all of our travel insurance products now.

An accident, illness or medical emergency can happen anywhere, anytime. If you need medical care or treatment in another country, your government health plan may cover only a portion of the costs. Travel insurance starts where these plans leave off.

Plus, with our emergency medical coverage, you have access to the multilingual representatives of Allianz Global Assistance.

Yes, if you are travelling outside your home province or territory. There are several reasons why it's important to get travel medical insurance when you're travelling within Canada. One reason is that accidents can happen anywhere. Another is that government health insurance plans do have limits on reimbursement of emergency medical expenses incurred while you are in another province. For example, the ambulance, emergency dental treatment and prescription drugs might not be covered by some government health insurance plans.

You may extend your coverage if you extend your trip, subject to certain conditions of your policy.

If you've purchased a single trip plan, the following conditions apply:

• If you have not had a medical condition during your trip or while covered under your policy, you can request an extension by contacting us at 1-866-896-8172 before your original policy’s expiry date.
• If you have had a medical condition during your trip and while covered under your policy, you must request the extension by contacting Allianz Global Assistance before the expiry date of your original policy. Your extension is subject to the approval of Allianz Global Assistance.
• You must pay the required additional premium before your original policy’s expiry date.
• If we are unable to extend your particular policy's coverage due to the trip duration limits of your policy, you may be able to purchase a new policy from us.

If you've purchased a multi-trip annual plan, the following conditions apply:

You may purchase a top-up policy for the additional number of days beyond the duration covered by your multi-trip annual plan as follows:

• Before your effective date, you may contact us at 1-866-896-8172 to purchase top-up coverage.
• After your effective date and if you have not had a medical condition during your trip, you must contact us at 1-866-896-8172 before your original policy’s expiry date to purchase top-up coverage.
• After your effective date and if you have had a medical condition during your trip, you must contact Allianz Global Assistance before your original policy’s expiry date to request approval for and to purchase top-up coverage.
• The terms, conditions and exclusions of the new top-up policy apply to you.
• You must pay the required top-up premium on or before the effective date of the top-up period.

If you do NOT top-up your coverage for a trip, you will not be covered for any claims you make outside the period of insurance for that trip. If the top-up policy you are purchasing requires you to complete health questions, you must complete the health questions.

Please see the policy documents for complete coverage details regarding trip extensions.

It may, but not always. We recommend that you carefully review the travel insurance coverage provided by your credit card, as well as any special conditions or stipulations.

Do you have an RBC Royal Bank ® credit card?

To review the travel insurance coverage that comes with your RBC Royal Bank credit card, visit: www.rbcroyalbank.com/cards/documentation/index.html and click the "Insurance Certificate" link for your card.

We recommend that you carefully review your government health plan coverage. Government plans may not cover all emergency medical expenses once you leave your home province/territory and typically cover only a limited portion once you leave the country. In fact, the Canadian Government (Foreign Affairs, Trade and Development Canada) urges Canadians to purchase supplemental health insurance when leaving the country. They say:

Do not rely on your provincial or territorial health plan to cover costs if you get sick or are injured while abroad. Out-of-country health care can be costly, and your health plan may not cover any medical expenses abroad. It is your responsibility to seek information from your provincial or territorial health authority and to obtain supplementary travel insurance and understand the terms of your policy. 2

Plus, government health insurance plans don't guarantee coverage for special care (air ambulance or emergency dental services, for instance).

Unlike government health insurance plans, our insurance offers you:

• Unlimited coverage for eligible medical expenses 1
• Up-front payment of eligible medical expenses whenever possible
• 24-hour, multilingual emergency medical assistance—one toll-free phone call puts you in touch with a multilingual professional who will refer you to a local doctor or facility in order for you to receive the care you need

Government health insurance plans also don't provide coverage for situations such as lost, damaged or delayed baggage or trip cancellation and interruption. Our travel insurance can provide these coverages and more.

Yes, you do need travel insurance to protect yourself against the unexpected, even if you are going to the United States for a few days. An illness or accident can happen at any time, whether you're on the road for a few days, or a few months. And remember, the cost of health care is very expensive in the United States and very little of this cost would be covered by your government health insurance plan, credit card or company benefits plan. For a short trip, the cost of travel insurance is minimal, and it gives you the protection you need.

If you purchase trip cancellation and interruption insurance, it will help pay for your expenses to return home in the event of a covered emergency. There are a number of circumstances that qualify as an emergency (for example, the death or serious illness of a family member). The cost of cancelling a trip prior to departure can be very expensive, as most trips are non-refundable and/or non-transferable, especially if you have to cancel just before leaving on your trip. Having to return early from a trip can also be very expensive. Either way, trip cancellation and interruption insurance is very important to protect your travel investment.

You must purchase coverage before departing on your trip. You may benefit from purchasing coverage as soon as you make your initial trip deposit, especially if you are purchasing trip cancellation and interruption insurance —either as stand-alone coverage or as part of one of our insurance packages .

If you were to book your trip 6 months in advance, consider the unexpected situations that could occur in that time.

If you purchase travel insurance from RBC Insurance, we will pay the eligible bills directly to the hospital or physician whenever possible.

There are a number of sports that are not covered during your trip. For more details, see the Exclusions section of the individual policy document.

You may purchase a top-up policy for the extra number of days beyond the duration covered by your multi-trip annual plan. Here are the conditions:

• After your effective date and if you have had a medical condition during your trip, you must contact Allianz Global Assistance before your original policy’s expiry date to request approval for and purchase top-up coverage.

Please see the policy document for complete coverage details regarding top-up coverage.

If you purchase one of our travel medical insurance plans—either Classic Medical or TravelCare ® Medical—you can, subject to certain conditions:

• If you are travelling for more than 183 days, you may purchase single trip coverage for up to 365 days provided that you are covered under your government health plan for the full duration of your trip.
• If you are 40-74 years of age , you must also answer a few health questions, which will determine whether you are eligible to purchase coverage for trips beyond 183 days.

Yes, if you are travelling with your spouse/partner and children or other family members, you could save money with our family plan pricing.

The cost of a trip can be a significant financial investment. A lot can also happen in the time between booking your trip and departing—if a medical emergency or other unexpected event prevents you from going on your trip, you could potentially lose some (or possibly all) of the money you paid.

With trip cancellation and interruption insurance, you're protected when certain situations prevent you from travelling as planned. Examples include:

• You can't travel due to an illness, job loss or immediate family member's medical emergency
• You need to return home earlier than scheduled because of a family emergency or medical condition

Note : We strongly recommend that you purchase trip cancellation and interruption insurance at the time you pay your initial travel deposit. Please see the policy document for complete coverage details, including terms and conditions.

Yes! Tell them about our Visitors to Canada Plans , which offer affordable emergency medical protection to visitors, immigrants, foreign students and Canadians without government health plan coverage.

We strongly recommend you do. Your insurance policy is a valuable source of information and contains provisions that may limit or exclude coverage. Please read it before you go, keep it in a safe place and carry it with you when you travel.

RBC Insurance has appointed AZGA Service Canada Inc. (operating as “Allianz Global Assistance”) as the provider of all assistance and claims.

Whether you have a new claim or questions about an existing claim, representatives will work with you to make things as easy as possible. Visit the Travel Insurance Claims page for more details about how to submit a claim.

It's our goal to settle every claim as quickly as possible. While every claim is different, there are things you can do to speed things up:

• If you require emergency care on your trip , call our emergency contact number immediately, or at the earliest possible opportunity (someone else can call if you're unable to). If you do not, your coverage may be limited and your benefits could be reduced.
• If you need to cancel your trip prior to departing , call your travel agency, airline, tour company or the carrier immediately to cancel your trip no later than one business day after the cause of cancellation. Call Allianz Global Assistance the same day.
• For all claims , carefully read the instructions for submitting your claim. Make sure you fully complete any required claims forms and submit all required documentation at your earliest possible convenience. For example, you may need to provide information on your past health history if you are submitting an emergency medical claim or a trip cancellation claim due to a medical condition.

The documentation you need to provide will depend on the type of claim, the type of plan you purchased and the province/territory in which you live. Visit the Travel Insurance Claims page for more details about how to submit a claim.

No matter where in the world you are, we’ll be here for you. If you have an emergency, you can call Allianz Global Assistance toll-free 24 hours a day, 7 days a week at 1-855-947-1581 from the U.S. and Canada or (905) 816-2561 collect from anywhere in the world . Or as an alternative, you can email Allianz Global Assistance at: [email protected] . Disclaimer 3

The multilingual representatives of Allianz Global Assistance are ready 24 hours a day, seven days a week when you have a medical emergency. You can rely on them to refer you or (when medically appropriate) transfer you to one of the accredited medical service providers within the Allianz Global Assistance network, so you can receive the care you need as quickly as possible.

Because the representatives are multilingual and have 24-hour access to real-time translation services, they can provide the help you need in your own language—and also have someone to communicate on your behalf with medical personnel who may speak a different language.

Whenever possible, Allianz Global Assistance will also request for the medical service provider within the network to bill the covered medical expenses directly to us instead of you—reducing stress and hassle.

Yes, as soon as medically possible. There are several reasons to call the emergency contact number first:

The multilingual representatives of Allianz Global Assistance are experienced experts in coordinating emergency care for travellers in foreign lands.

They're available 24 hours a day, seven days a week.

If you don't call Allianz Global Assistance first, your benefits may be reduced and your coverage may be limited. As stated in your policy, if you do not contact Allianz Global Assistance at the time of your medical emergency or you choose to receive treatment from a medical service provider outside the Allianz Global Assistance network, you will be responsible for 30% of your medical expenses covered under your insurance and in excess of your medical expenses paid by your government health plan.

You can call Allianz Global Assistance toll-free 24 hours a day, 7 days a week at 1-855-947-1581 from the U.S. and Canada or (905) 816-2561 collect from anywhere in the world.

Of course, obtaining urgent care in an emergency is your #1 priority—and our representatives are here to help at our toll-free emergency contact number. However, if your medical condition Opens in new window prevents you from calling before seeking emergency treatment, then you must call as soon as medically possible.

Someone else (a family member, friend, hospital or physician's office staff, etc.) may call on your behalf–so it's a very good idea to carry your RBC Insurance travel insurance wallet card with you at all times.

They may call Allianz Global Assistance toll-free 24 hours a day, 7 days a week at 1-855-947-1581 from the U.S. and Canada or (905) 816-2561 collect from anywhere in the world.

Or as an alternative, they can email3 Allianz Global Assistance at: [email protected] .

We will pay your eligible medical bills directly to the medical provider or hospital for you whenever possible.

Travel together. Save together.

Travelling with a group of 10 or more? Save with a group discount and enjoy all the benefits of RBC ® Travel Insurance.

Reasons to Love RBC Travel Insurance

Coverage available for all ages.

If you are travelling with your spouse/partner and children or other family members, you could save money with our family plan pricing.

Simplified Medical Questionnaire

Age 65 or over? Buying travel insurance is faster than ever – no long, complicated medical questionnaires.

Variety of Coverages

Whether you’re going on an overseas adventure, or a quick jaunt to another province or state for the weekend, a variety of packages and plans are available to cover your travels.

24/7 Worldwide Emergency Medical Assistance

Experienced staff at the 24/7 assistance centre will provide:

• Caring, multilingual support
• Help finding local medical care
• Access to emergency air ambulances
• Access to expert medical professionals who will monitor your care
• Help with transportation to the nearest medical facility

For emergency medical and travel assistance

• See Emergency Contact Details

For questions about travel insurance or claims

• Speak to a Travel Advisor at 1-888-896-8172
• Get a Quote

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Opec+ online meeting suggests "nothing to see here" - rbc.

Investing.com - A group of major oil producers is set to meet this weekend to discuss future output levels, and RBC Capital Markets expects the cartel to present an united front, keeping policy unchanged.

The Organization of the Petroleum Exporting Countries and allies including Russia, a group known as OPEC+, is scheduled to meet online, a change from the original in-person plan, on Sunday to discuss their joint oil production policy.

The group is currently cutting output by 5.86 million barrels per day (bpd), equal to about 5.7% of global demand, in an attempt to balance a market hit by falling demand, lifting prices in the process.

The cuts include 3.66 million bpd by OPEC+ members to the end of 2024, as well as a further 2.2 million bpd of voluntary cuts by some members, mainly Saudi Arabia, which expire at the end of June.

The move to forgo an in-person meeting, likely signals a “nothing to see here” production decision through year end, according to analysts at RBC Capital Markets, in a note dated May 28.

“We see no appetite at this juncture to add more barrels to the market and trigger another price move to the downside. The current price level is already causing several producers to take on additional debt and push out timelines for some high-profile projects,” RBC added.

“Adding more barrels at this moment would likely yield a suboptimal price environment that would not be offset by additional market share advantages.”

The bank sees less discord between key OPEC players on the eve of this meeting and more closing of the ranks, as they seek to navigate the geopolitical headwinds caused by ongoing armed conflict in the region.

“As we noted last week, the UAE’s president HH Sheikh Mohammed bin Zayed made a well-publicized visit to Saudi Arabia earlier this month for a meeting with HRH Crown Prince Mohammed bin Salman,” RBC added.

“In addition, it has been announced that the Saudi Crown Prince has accepted an invitation to Iran, a move that marks a major turnaround from 2016 when diplomatic relations were severed in the wake of the attack on the Saudi embassy on Tehran.”

The possibility of a deeper cut, given the recent oil price weakness, can’t be ruled out, the bank said, “given HRH Prince Abdulaziz’s penchant for Hollywood twist endings. However, we tend to see surprise announcements as more likely when ministers gather in person and coalitions of the willing can be assembled at midnight meetings in the Park Hyatt.”

By 08:25 ET (12:25 GMT), the U.S. crude futures (WTI) traded 0.7% higher at $80.36 per barrel, while the Brent contract climbed 0.6% to $84.46 a barrel.

Both benchmarks are on course for losses of between 2% and 3% this month.

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Cybersecurity Checklist for Seniors  

By Royal Bank of Canada

Share this:

Published May 29, 2024 • 6 Min Read

With the rise of cyber crime around the globe, it’s never been more important to ensure you educate yourself and your family on how to stay cyber safe. This checklist will help you learn how to protect yourself, your family and your digital assets.

Password Protection

A common way scammers get access to your information or break into your online accounts is by guessing your password. Many of us like to use simple, easy to remember passwords such as the word “password” or the digits “1234”.

What you can do:

Never share your passwords with anyone.  

Don’t use your Online Banking password for anything else. While it’s best not to re-use any passwords at any time, it’s especially important to use extra caution when it comes to sensitive information such as your bank account.  

The longer, the better. Experts suggest creating passwords that are at least 12 characters long, ideally 16.  

Reset your passwords regularly.  

Use multi-factor authentication. While passwords are more secure than no protection, your data is far safer if you combine a password with multi-factor authentication (MFA).

Banking Safely Online

Being vigilant about your online security is essential to guarding against cyber criminals. And, while RBC is committed to keeping your financial information safe and secure, there are simple steps you can take to proactively protect yourself.

Set Auto-deposit for e-transfers. This service eliminates the need for a security question and answer in every transaction lessening the risk that someone unintended could intercept the funds.

Enable 2-Step Verification on your RBC banking app.

Review your bank account statements regularly; if you see unknown purchases, that could be a sign that your identity has been stolen.

Immediately report lost or stolen credit or debit cards.

Never provide confidential information or sign-in IDs or passwords when responding to an unsolicited email, text message or a phone call.

Avoid acting out of a sense of urgency or emotion.

Turn on Account Alerts to monitor unusual transaction activity.

Email Scams  

Email scams are very common online scams where an email is sent, attempting to trick the recipient into giving up personal, business or financial information. Typically, a phishing email will explain an urgent situation (“Your Bank Account has been suspended”) with a time limit to act (“You have 24 hours to verify your account”) and a link to click where you’ll be asked to enter your confidential information (“to fix the “problem”). The fraudster then gets access toyour passwords, account numbers, client base, or even your computer systems. Remember, legitimate organizations will never ask for information to be sent in this manner.

Never write personal information in an email. This includes account numbers, birthdays, social insurance numbers and other sensitive data.  

Don’t open attachments or click on links if you don’t know the source. If you receive an email with a suspicious attachment, simply ignore the email and delete it.  

Keep your email address safe. Your email address is personal — avoid posting it on public forums or entering it on sites you don’t trust. And just because someone at a store asks for it doesn’t mean you have to give it out.

Phone and Text Message Scams  

Have you ever received a call or text message from a number you don’t recognize asking you to do something, like provide your private or financial information? It could be a smishing scam.

Don’t pick up if you don’t recognize the phone number.  

Never give away personal information to someone you don’t know.  

Beware of grandchild impersonation. This is one of the most prevalent scams around today and tricked older Canadians out of nearly $10 million last year. If anyone calls claiming to be your grandchild — especially if they’re asking you for money, a credit card, or a gift card to help with an emergency — don’t fall for it. Hang up and call your family directly.

Don’t click on links sent by numbers you don’t recognize.  

Avoid acting out of a sense of urgency or emotion.  

If the number isn’t legitimate, delete the text message from your phone.

Phone Settings

Smartphones are smart, but they’re not always secure. When it comes to keeping your smartphone secure, there are two things to consider: protecting the device from loss or theft and protecting the data you’ve stored on it.

Turn off Bluetooth when you’re not using it.

Don’t install – or make sure you uninstall – nosey apps or any apps you’re no longer using.

Turn on the “Find my Mobile” tool so you can locate missing devices and protect data.

Enable multi-factor authentication for the sites you visit.

Fake websites

Scammers set up fake retailer websites that look like real online retail stores in these cases. The thing is, you won’t receive the goods you paid for.

Buy from companies or individuals you know by reputation or from past experience.  

Make sure you’re still on a reputable website when you go to check out and haven’t been redirected to a new page.  

Be more cautious with sellers located far away or that don’t have many reviews.  

Regularly check your credit card statements for frequent or unknown charges.

Report Fraud

If you believe your confidential information may have been stolen or obtained by a fraudulent party either online, by telephone or through any other means, call us immediately.

For general inquiries or comments regarding Privacy and Security, please also call us. 

1-800-769-2511 (telephone banking)

1-800-769-2555 (online/mobile banking)

1-800-769-2512 (credit cards)

1-800-769-2535 (RBC Express online banking Client Support Centre) 

Click here to print

This checklist is a valuable tool that can be an excellent reference as you do you shopping, banking, or socializing online. It’s a good idea to print it out and keep it by your computer so these steps and tips stay top-of-mind. It’s also worth sharing this with friends and family, so they too can learn how to stay cyber safe.

Remember, you don’t have to take this on alone – communicating with others as you make security changes and reaching out to someone you trust if you believe you’ve been a victim of fraud can lead to better protection and peace of mind.

Things our lawyers want you to know Things our lawyers want you to know

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.

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Canada's RBC, CIBC wrap up bank earnings with better than expected profits

By Nivedita Balu and Manya Saini

TORONTO (Reuters) -Royal Bank of Canada (RBC) , the country's No.1 bank, on Thursday surpassed analysts' expectations for quarterly profit, driven by strength in its capital market business and its core personal banking segment.

Canadian Imperial Bank of Commerce , the country's fifth largest bank, also beat profit expectations on capital markets strength and as it set aside smaller than expected loan loss provisions.

A resurgence in M&A activity after a long lull as interest rates soar has helped Canadian banks in recent quarters, even as loan loss provisions continue to weigh on profits.

The top six Canadian banks, which together control more than 90% of the country's banking market, have been struggling amid high interest rates that weighed on consumers' wallets as monthly mortgage payments, credit card bills and living costs rose.

RBC's personal and commercial banking unit, which now includes HSBC's domestic unit after a $10 billion acquisition, recorded a 7% rise in net income, primarily driven by higher net interest income - the difference between what a bank earns on loans and pays on deposits.

Still, provisions for credit losses came in at C$920 million, higher than analysts' forecast of C$880 million, according to LSEG data.

CIBC recorded lower loan loss provisions in its commercial banking segment in Canada and the U.S., a market where it was previously hit due to its exposure to office real estate.

RBC's capital markets segment recorded net income of $1.26 billion, a 31% rise from a year ago, helped by higher M&A, loan syndication activity, and equity and debt origination across most regions.

RBC's quarter highlighted "an impressive top-line performance, manageable credit costs, and a solid capital position following the close of the HSBC Canada acquisition," KBW analyst Mike Rizvanovic said.

"A solid quarter overall," he said on CIBC's performance.

The results round out a mixed earnings season for Canada's big six lenders, which have been looking for opportunities to diversify south of the border and are seeking alternative paths for growth as competition intensifies in a saturated market at home.

RBC's profit climbed 7% to C$3.95 billion. On a per-share basis, it earned C$2.92, beating the average estimate of C$2.75.

CIBC earned C$1.75 per share, topping the estimate of C$1.65 per share.

($1 = 1.3719 Canadian dollars)

(Reporting by Nivedita Balu in Toronto and Manya Saini in Bengaluru; Editing by Shilpi Majumdar, Shinjini Ganguli and Andrew Heavens)

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May 30, 2024

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RBC reports Q2 profit up, raises dividend, plans to buy back 30 million shares

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TORONTO - Royal Bank of Canada raised its dividend as it reported its second-quarter profit rose compared with a year ago, helped by record earnings in its capital markets business.

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TORONTO – Royal Bank of Canada raised its dividend as it reported its second-quarter profit rose compared with a year ago, helped by record earnings in its capital markets business.

The bank says it will now pay a quarterly dividend of $1.42 per share, an increase of four cents. It also says it plans to buy back up to 30 million of its shares.

The moves came as RBC says it earned $3.95 billion or $2.74 per diluted share for the quarter ended April 30, up from $3.68 billion or $2.60 per diluted share a year earlier.

Revenue totalled $14.15 billion, up from $12.45 billion in the same quarter last year. while the bank’s provision for credit losses amounted to $920 million for the quarter, up from $600 million a year ago.

On an adjusted basis, RBC says it earned $2.92 per diluted share, up from an adjusted profit of $2.68 per diluted share a year earlier.

Analysts on average had expected a profit of $2.75 per share, according to LSEG Data & Analytics.

This report by The Canadian Press was first published May 30, 2024.

Companies in this story: (TSX:RY)

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