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RBC Travel Insurance

Travel coverage for rbc cardholders.

Many RBC travel credit cards (opens in new window) come with built-in travel insurance to protect you and your family while you’re away from home. Understanding what kind of coverage you have can help you travel with confidence.

What Travel Insurance Does My Credit Card Have?

Our travel insurance is there to support you if the unexpected happens. Find out what coverage your card has before you leave home. Disclaimer 1

Check My Coverage (open in new window)

Need Travel Insurance?

Get the coverage that’s best for your trip. Whether you need full coverage or just a top-up, it’s easy to get an online travel insurance quote in minutes.

Get a Travel Insurance Quote (open in new window)

Call 1-866-292-5233

Understanding Travel Insurance

While every card is different, many of our travel credit cards include some of these popular forms of coverage. Disclaimer 2 Please refer to your credit card Certificate of Insurance for complete details regarding these coverages. Disclaimer 5

Emergency Medical Insurance

If you are leaving your province or travelling outside of Canada and need emergency medical help, your eligible expenses are covered for a certain number of days as specified on your Certificate of Insurance.

*For travellers over 65, you’ll receive unlimited coverage for the first 7 days.

Trip Cancellation Insurance

Sometimes the unexpected happens. If you have to cancel your trip before you leave due to a covered reason, reimbursement can be made to you for the eligible non-refundable and prepaid travel arrangements. Disclaimer 6

Flight Delay Insurance

There may be coverage for reasonable expenses including meals and accommodation if you miss your connecting flight or your flight is delayed. Disclaimer 6

Trip Interruption Insurance

If you need to cut your trip short unexpectedly due to a covered reason, reimbursement can be made to you for the eligible unused portion of your pre-paid travel arrangements. Disclaimer 6 There is also coverage to help you get to your next destination. Disclaimer 6

Delayed Baggage Insurance

There may be coverage for reasonable and necessary purchases if your checked baggage is lost or delayed. Disclaimer 6

Hotel/Motel Burglary Insurance

If your personal property is damaged or stolen as a result of a break-in of your hotel, motel or cruise cabin, reimbursement can be made to you for the cost of its repair or replacement. Disclaimer 6

Auto Rental Collision/Loss Damage Waiver Insurance

Covers you for loss and damage to a rental vehicle up to the actual cash value of the rental vehicle, provided that you executed the rental agreement and paid the entire cost with your credit card. Disclaimer 6

Travel Accident Insurance

There may be coverage in the event of an accidental bodily injury resulting in a loss, including death, while travelling on a common carrier, for up to $500,000 CAD. Disclaimer 6

Each of our credit cards offer different insurances, so be sure to check your coverage (open in new window) before your leave.

Frequently Asked Questions

Out of Province/Country Emergency Medical Insurance provides coverage for medical expenses related to COVID-19 and its variants, as long as there are no COVID-related travel advisories (such as to avoid all non-essential travel or all travel to that destination) issued by the Canadian government for your destination on the date you leave for your trip.

No, you don’t have to pay for your travel arrangements with your RBC credit card to be eligible for Out of Province/Country Emergency Medical coverage. Coverage is included for the number of days specified in your Certificate of Insurance, and in effect as soon as you leave your province or territory of residence.

Yes, When the cost of your travel arrangements exceeds the maximum coverage included with your RBC credit card, you can buy top-up travel insurance coverage to protect the remaining cost of the trip. You can buy top-up insurance online or by calling 1-866-292-5233 .

If you need to purchase additional coverage for your extended stay, please call the Enrollment Centre at 1-866-292-5233 before your insurance expires.

If Covid-19 or its variants prevents you from travelling as planned, your credit card may provide trip cancellation or trip interruption if :

• Your emergency medical condition is due to contracting COVID-19 or its variants.
• Your spouse’s and/or dependent child’s emergency medical condition is due to contracting COVID-19 or its variants.
• In either scenario, a medical certificate completed by a physician is required to submit your claim.

If you have to cancel or interrupt your trip for other reasons related to COVID-19 or its variants such as new travel advisories, your claim will not be covered.

Yes. To qualify for trip cancellation/interruption coverage for any prepaid travel, accommodations and recreation arrangements must have been paid in full with your eligible RBC credit card and/or Avion points. Check your card’s coverage before you leave.

Before you leave, you can buy top-up insurance online or by 1-866-292-5233 calling for the extra days that you’re travelling.

During your trip, call us at 1-866-292-5233 to buy additional coverage.

Emergencies and Claims Disclaimer 3

Get Medical or Emergency Assistance While Travelling

If you need help during your trip for a medical or other travel emergency, help is available 24 hours a day, 7 days a week.

Call: Toll Free: 1-800-533-2778 (Canada and U.S.)

Call: Collect: (905) 816-2581 (collect from anywhere)

Email: [email protected]

Include the following information Disclaimer 4 :

• Your full name
• Your current location (city and country)
• How you can be reached
• Indicate you have an RBC credit card (do not include your card number)

In a life-threatening medical emergency, get to a hospital immediately and have a family member or friend call Allianz Global Assistance on your behalf as soon as possible.

Submit a Claim

To submit a claim for travel insurance provided under your RBC credit card:

Call: 1-800-464-3211

Visit: the Allianz Claims Portal to submit a claim online

• Create an account (if you do not have one already)
• Sign in to the Claims portal to easily open a new claim, track the status of an existing claim, or complete an existing claim

Discover Other Optional Add-On Services

BalanceProtector Premier Plus

Get coverage for your credit card balance in the event of the unexpected.

Identity & Theft Protection

1 in 3 Canadians have fallen victim to financial fraud Disclaimer 3 – are you at risk?

RBC Road Assist

Superior roadside assistance 24 hours a day, 365 days a year

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For a full list of eligible RBC Royal Bank credit cards and their travel insurance coverage, please visit https://online.worldprotect.com/weblinkca/en/card-coverage/index.html (open in new window)

Coverages are underwritten by RBC Insurance Company of Canada except for Auto Rental Collision/Loss Damage Waiver Insurance, which is underwritten by Aviva General Insurance Company.

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

Regular, unencrypted email is not secure. Please be mindful if including any personal or confidential information in a regular, unencrypted email. To discuss your personal information safely, you may wish to contact Allianz Global Alliance by telephone. For more general cyber security information, please visit our Email & Website Fraud site or to help you spot phishing emails and fake websites, visit our Cyber site .

This is a summary only. All travel insurance is subject to terms, conditions, limitations and exclusions. Refer to the credit card Certificate of Insurance for complete coverage details.

In order to be eligible for all coverages except Out of Province/Country Emergency Medical insurance, trip must be paid in full with your credit card and/or with Avion Rewards points.

24/7 Emergency Assistance and Coverage for Stable Pre-Existing Conditions Disclaimer 2

Get a quote and purchase affordable travel insurance in minutes.

Travel Insurance for Seniors and Snowbirds

Whether you need essential travel medical insurance or coverage for lost baggage, trip cancellation and interruption, and other unexpected events, we offer a wide range of affordable plans for mature travellers.

Here are just a few reasons to protect yourself with RBC Travel Insurance:

24-hour worldwide emergency medical and travel assistance.

Caring, multi-lingual professionals, registered nurses and physicians are available around the clock to make sure you receive the proper help and care you need in case of a medical or other emergency.

Unlimited coverage for eligible medical expenses Disclaimer 1

If you become injured or ill during your trip, your policy will pay for any eligible medical expenses that aren’t covered by your government health insurance.

Coverage for stable pre-existing conditions Disclaimer 2

You can travel knowing you’re financially protected if you need emergency medical treatment during your trip.

Safe transportation to the closest medical facility

If you need urgent treatment, we’ll provide transportation to the most appropriate facility, even if it’s in another country. We’ll also pay to have a friend or family member travel to your bedside.

Direct payment of medical bills, whenever possible Disclaimer 3

We will also coordinate payments with your government health insurance so you aren’t out-of-pocket for any costs.

Get a Travel Insurance Quote

You can get a no-obligation quote and buy now in just a few simple steps. It’s fast and easy using our secure online application.

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Travel Insurance FAQs

Have questions about travel insurance for seniors? Get the answers you need here.

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.

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.

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.

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.

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.

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• no new treatment, new medical management, or new prescribed medication; and
• no change in treatment, change in medical management, or change in medication; and
• no new symptom or finding, more frequent symptom or finding, or more severe symptom or finding experienced; and
• no new test results or test results showing a deterioration; and
• no investigations or future investigations initiated, or recommended for your symptoms; and
• no hospitalization or referral to a specialist (made or recommended).