rbc employee benefits travel insurance

• Travel Insurance
• RBC Insurance Travel Insurance Review

The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive payment from the companies that advertise on the Forbes Advisor site. This comes from two main sources.

First , we provide paid placements to advertisers to present their offers. The payments we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market.

Second , we also include links to advertisers’ offers in some of our articles. These “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor.

While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

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

About rbc insurance travel insurance, what travel insurance does rbc insurance offer, rbc insurance travel insurance plans, summary: plan comparison, rbc insurance travel insurance cost, comparing rbc insurance travel insurance with other insurers, optional add-ons for rbc insurance travel insurance, does rbc insurance travel insurance offer any discounts, does rbc insurance travel insurance offer annual multi-trip plans, rbc insurance travel insurance 24/7 travel assistance, does rbc insurance travel insurance have cancel for any reason (cfar), does rbc insurance travel insurance have interruption for any reason (ifar), rbc insurance travel insurance and pre-existing medical conditions, rbc insurance travel insurance exclusions, rbc insurance travel insurance eligibility, how to file a claim with rbc insurance travel insurance.

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.

• Goose Travel Insurance Review
• CAA Travel Insurance Review 2023
• TuGo Travel Insurance Review
• Blue Cross Travel Insurance
• Manulife Financial CoverMe Travel Insurance
• World Nomads Travel Insurance Review
• Medipac Travel Insurance Review
• TD Insurance Travel Insurance Review
• Johnson MEDOC Travel Insurance
• Allianz Global Assistance Travel Insurance
• TD Bank Travel Insurance
• CUMIS Travel Insurance Review
• AMA Travel Insurance
• GMS Travel Insurance Review
• CIBC Travel Insurance Review
• BMO Travel Insurance Review
• Desjardins Travel Insurance Review
• Travelance Travel Insurance
• Scotia Travel Insurance Review
• How To Get Pre-Existing Conditions Covered By Travel Insurance
• Should You Buy Travel Insurance And Is It Worth It?
• Why Travel Medical Insurance Is Essential

Do I Need Travel Insurance When Travelling Within Canada?

• Trip Cancellation Travel Insurance
• How To Get Reimbursement For A Travel Insurance Claim
• Do Canadian Travellers Need Schengen Visa Insurance?
• How Travel Insurance Works For Baggage
• How To Travel To The U.S. From Canada
• Do You Need Annual Multi-Trip Travel Insurance?
• Travel Insurance For Trips To Europe
• What Travel Insurance Does Not Cover
• Top 10 Travel Insurance Tips For 2023
• Travel Insurance For A Mexico Vacation
• How To Read The Fine Print Of Your Travel Insurance Policy
• 5 Top Tips For Handling Flight Cancellations Like A Pro
• What Does Travel Delay Insurance Cover?
• Advantages Of Buying Travel Insurance Early
• Travel Insurance For U.K. Trips
• Travel Insurance For Trips To Italy

More from  

$10 etias travel pass for europe visits pushed to 2025, what’s the purpose of an etias travel authorization, bcaa travel insurance review 2024, pacific blue cross travel insurance review 2024, cumis travel insurance review 2024.

Sign-in to:

Use our online services to help you manage your day-to-day activities.

Choose from these sign-in options:

Group Benefit Solutions

Attract and keep happy employees..

Choose from a range of coverage options and flexible features to protect your employees and your business.

E-mail Us to learn more

Digital Access. Simpler Benefits. Better Health.

Having a digitally enabled group benefits partner means employers can offer their employees more options and easier access to health and wellness support. Give your employees and their families the protection they deserve with coverage that includes:

• Best-in-class products
• Self-serve claims management portal
• Wellness and mental health support
• Access to health care professionals and services
• 24/7 access via computer or mobile app

Don't have YouTube access? Watch the non-YouTube version Opens Modal Window

Coverage under Group Benefit Solutions 1

• Group Life and AD&D Insurance
• Group Disability Insurance
• Group Health and Dental Insurance
• Group Critical Illness Insurance 3

With RBC Insurance ® Group Life and Accidental Death & Dismemberment (AD&D) Insurance, employees can be confident that they and their loved ones have financial protection.

Basic Life Insurance

Life insurance helps to ease the financial strain on an employee’s family by providing a non-taxable lump sum benefit to the family should the employee pass away.

Read More Hide

• Choose to offer a flat coverage amount or a multiple amount of the employee’s salary
• An employee may be eligible to convert to an individual policy if he or she leaves the company
• Premiums may be waived up to age 65 if the employee becomes disabled

In addition to life insurance for employees, we also offer coverage for an employee’s spouse and dependents.

Optional Life Insurance

You can offer optional life insurance for employees, spouses and dependents who want more coverage than the basic policy provides.

• Employees can buy additional coverage at no extra cost to your company
• Employees can easily pay for their coverage through payroll deductions

Accidental Death and Dismemberment Insurance

Accidental Death and Dismemberment (AD&D) Insurance provides an employee’s beneficiary with a benefit amount if an accident results in death, or financial compensation to the employee if an accident results in the loss of a limb, eyesight, hearing, speech or paralysis.

• Additional ancillary financial benefits are provided to cover day care for children
• Rehabilitative physical therapy benefits are also offered

RBC Insurance ® Group Disability Insurance can help provide financial support when an employee becomes sick or injured. Plus, rehabilitation and return-to-work programs can help an employee get back to work.

Short Term Disability Insurance

Disability insurance protects both your company and employees from financial strain by providing employees with benefit payments equal to a portion of their regular salary.

• Employees may qualify for benefits without being totally disabled
• Employees may be able to work in a reduced capacity, with benefits
• Return-to-work and rehabilitation programs can help your employees return to work gradually or learn new skills for a different job

Short Term Disability Advice to Pay

If you choose to self-insure for short-term disabilities, you may need help evaluating and managing employee absences during the short-term disability period. With our Short-Term Disability Advice to Pay (ATP) service, you get access to a professional team of disability experts who can help you determine what to do next with confidence and clarity. We offer two ATP service levels to meet your needs.

Basic Basic

Select this limited 2 service level if you anticipate absences that will be simple and straightforward with clear outcomes and timelines for return-to-work. Services include:

• Collection and review of claim information
• Interview with you, your employee and their health care team to ensure all factors are captured
• Upfront advice about benefit entitlement, anticipated absence duration, and return-to-work date

Enhanced Enhanced

Select this service level if you're looking for a more comprehensive claims management solution. In addition to the "Basic" services, this service level also includes:

• Ongoing assessment and claim management throughout the short-term disability period
• Regular communication with you and your employee
• Continued advice about benefit entitlement and absence duration
• Rehabilitation and return to work support, if appropriate

Long Term Disability Insurance

A Long Term Disability plan can help protect your company and employees from the financial burden of a long term absence due to injury or illness by providing benefits to replace a portion of an employee’s regular salary.

• Employees can return to work in a reduced capacity, and still receive benefit payments
• Rehabilitation and return-to-work programs can help employees return to work gradually or learn new skills for a different job
• Optional Spousal Disability Benefits are available
• A Survival Benefit is paid to an eligible survivor if an employee passes away while receiving benefit payments
• A cost-of-living increase helps ensure that monthly benefit payments keep pace with inflation
• Additional services like Teladoc Medical Experts and Employee Assistance Programs are standard features

Help bridge the gap in employees’ provincial health coverage. We’re committed to containing costs for your company while making it easy for employees to submit claims and understand their coverage.

Prescription Drug Coverage

Customize your company’s prescription drug plan based on: reimbursement levels, drug plan maximums, deductibles, dispensing-fee caps, the types of drugs offered, and how employees are reimbursed for their prescriptions.

Healthcare Benefits

Healthcare benefits include coverage for:

• Paramedical services—covered practitioners and therapists (clinical psychologist, chiropractor, audiologist, massage therapist, dietician and more)
• Semi-private or private hospital room
• Private-duty nursing services
• Medical supplies and services such as hearing aids, orthopedic shoes and custom orthotics
• Accidental dental coverage
• Eye exams and an optional vision care benefit
• Out-of-province/country emergency medical travel insurance benefits

Dental Benefits

You have two options for offering dental benefits to employees:

• Basic dental coverage only, which includes recall exams, scaling, x-rays, filings and more
• Or, basic dental coverage plus: orthodontic services and major restorative services such as inlays, crowns, veneers and dentures

Spending Accounts

A Spending Account allows employers to offer additional choice and flexibility to their employees. Your company can allocate credits to employees each year, which they can use as they wish to pay for the cost of eligible health and dental or wellness-related expenses not covered by your company’s regular benefits plan or by provincial health plans.

There are two types of Spending Accounts employers can offer their employees:

Health Spending Account (HSA) Health Spending Account (HSA)

Employees and their eligible dependents can use their HSA to pay for eligible health and dental expenses not reimbursed by their plan, such as:

• Eye glasses, contact lenses, laser eye surgery, dental implants, orthodontics, etc.
• Expenses due to deductibles or maximums that are outside of their regular plan coverage limits

Wellness Spending Account (WSA) Wellness Spending Account (WSA)

Employees can choose to use WSA for a wide range of services and items related to living a healthy lifestyle such as:

• Fitness Equipment and Fitness Membership Fees
• Sports Fees
• Wellness and non-health professional Services
• Education and Personal Development
• Family Care

Survivor Benefits

The surviving spouse or dependents of a deceased employee receives up to two years of continued benefits, with no premiums to pay, or cost to the company.

Cost Plus provides the option to pay for an employee’s unforeseen medical and dental expenses not covered under the plan.

Virtual Primary Care

Maple is a telemedicine service that connects employees directly with a doctor who can treat them online so they can feel better faster and get back to their jobs quicker.

• Standard coverage includes 4 visits per family annually, with access from 7am to midnight, seven days a week
• Premium coverage includes unlimited visits with 24-hour access, seven days a week
• Mental Health Support Services

With a comprehensive range of options available, we can help guide plan members to the support that's right for them, including digital wellness programs, virtual counselling services, in-person sessions in your community and more.

Coping with a critical illness while managing family and work obligations is challenging for an employee. Help your employees reduce the impact with an insurance plan that offers financial support, so they can focus on their recovery.

Covers most common critical illnesses

Choose from two plans for your company, both of which cover the most common critical illnesses and ensure that your employees will be financially protected in the event of a diagnosis.

• Essential Plan – 9 conditions covered opens new window
• Comprehensive Plan – 19 conditions covered opens new window

Quick Payment on Claims

Your employee is provided a lump-sum cash benefit which they can use as needed for expenses associated with a covered critical illness, such as travel costs related to treatment, prescriptions, home care, or a long-term care facility.

In addition, these other features help facilitate quick payment of claims upon diagnosis.

• No Benefit Waiting (Elimination) Period - There is no wait time between diagnosis and payment of benefits; payment is made as soon as diagnosis is given.
• No Survival Period - There is no set amount of time the insured remain alive after diagnosis in order for the benefit to paid.

Simple Qualification for Benefits

Upon enrolment in a critical illness plan, your employees won’t be required to provide up-front personal health information and pre-existing conditions will be covered.

• Guaranteed Issue Amount up to $75,000 - The Guaranteed Issue amount, or the amount of insurance available without having to provide personal health information, applies to all group sizes.
• No Pre-Existing Condition Exclusion – Employees will receive benefits for a covered illness, regardless of whether they have a pre-existing condition.

Dependent Children Coverage

RBC Insurance offers 50% of the primary insured’s benefit amount at no additional charge for all covered dependent children. There is no cap for the benefit dollar amount a covered child can receive.

Simple Billing

Critical illness insurance premiums are invoiced on the same statement as other insurance premiums, simplifying billing management.

Additional Plan Features

A number of additional coverages are available under critical illness insurance plans such as:

• Multiple Illnesses – Employees may receive benefits for each critical illness covered under the plan as long as each diagnosis is separated by at least 90 days.
• Non-invasive Cancers (Carcinoma in situ) – The insured is paid a benefit of 25% of the Guaranteed Issue Amount
• Cancer Recurrence – If a previously diagnosed cancer that was not paid under the current contract were to reoccur after the effective date, the claim would be paid as long as the insured has been symptom- and treatment-free for any consecutive 12 months.
• Waiver of Premium - Premiums are waived if the insured becomes disabled during their critical illness period.
• Optional Second Event Critical Illness Benefit and Second Evaluation Benefit Rider – this is a bundled offer that employers can add on plan for added protection at an additional cost.
• No Age Termination Option – While many critical illness insurance plans terminate at age 65 or 70, our plans include the option of no termination due to age.
• Portability – Plan members can take the coverage with them if they leave the group plan.

Specialized Services, Savings and Support

We also offer a range of services, programs and discounts to support your business and employees:

For Plan Administrators

• Online Administration
• HR Support for Small Business
• Employee Assistance Program - Management Resources

For Plan Members

• Employee Assistance Program
• RBC Insurance Wellness Program
• Teladoc Medical Experts
• Medical Confidence™
• Discount Programs

Want to Know More?

Ask us how we can help you attract and keep happy employees.

Discover and Learn

View Legal Disclaimers Hide Legal Disclaimers

To view this video please enable JavaScript, and consider upgrading to a web browser that supports HTML5 video

• Find a Branch
• Call 1-800-769-2511

Taking Two or More Trips in the Next Year - Travel Insurance for RBC Clients 1

Wouldn’t it be great to save money and have the emergency travel medical coverage you need for any trips you take within the next 12 months? If you go on two or more adventures throughout the year, you may want to consider covering up to a full year’s worth of travel with one of our affordable multi-trip annual plans.

Popular Choice:

4-day getaway multi-trip annual medical plan (ages 0-74) , classic medical multi-trip annual plan (ages 0-64) or travelcare ® medical multi-trip annual plan (ages 65+), get a quote.

You are covered for:

• Unlimited eligible emergency medical expenses 2
• 24-hour worldwide emergency medical assistance
• Travel expenses to get you home if you have a medical emergency
• An unlimited number of trips (up to the number of days you choose–9 days for example) within a 365-day period 3

Explore travel medical insurance

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

Have an RBC Royal Bank credit card with travel coverage?

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

See If My Card Covers Me

Heading Back to the U.S. Soon? Why Not Do it For Less?

Save every time you stay, shop and travel to the U.S. with a cross-border banking bundle made for Canadians.

View Legal Disclaimers Hide Legal Disclaimers

RBC ® Travel Insurance

Taking a trip see if your rbc ® credit card covers you..

In just a few minutes, you can see what travel insurance you have on your RBC credit card, whether you have enough coverage for your trip, or if you need to buy additional coverage. It’s that simple!

See what travel insurance coverage your card has:

Required Information

Which RBC credit card did you use to pay for the full cost of your trip?

Good news! Your card has some travel insurance coverage.

Your card provides some valuable travel insurance coverage for you and other covered persons (opens modal window) .

Covered Persons

Covered Persons refer to you (the cardholder), your spouse and your dependent child/children who travel with you or join you and/or your spouse on the same trip. Plus, if your card includes Trip Cancellation and Interruption insurance your dependent children who are age 16-24 can travel on their own (without you or your spouse) and be covered for Trip Cancellation and Interruption. (Note: children under 16 travelling on their own are not covered). Other travellers on the same trip are not covered under your credit card travel insurance coverage.

Covered Persons refer to you (the card applicant), your spouse and your dependent child/children who travel with you or join you and/or your spouse on the same trip. Plus, if your card includes Trip Cancellation and Interruption insurance your dependent children who are age 16-24 can travel on their own (without you or your spouse) and be covered for Trip Cancellation and Interruption. (Note: children under 16 travelling on their own are not covered). Co-applicants and authorized users are also covered but their spouse and dependent children are not covered. Other travellers on the same trip are not covered under your credit card travel insurance coverage.

Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions.

Summary of Your Card’s Coverage

• Under age 65: Unlimited coverage Disclaimer 1 for first fifteen (15) consecutive days of your trip
• Age 65+: Unlimited coverage Disclaimer 1 for first three (3) consecutive days of your trip

Out of Province/Country Emergency Medical Insurance

This insurance covers reasonable and customary expenses, in excess of any medical expenses payable by your government health insurance plan or any other insurance plan, for emergency treatment medically required during your trip as a result of a medical emergency.

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

Trip Cancellation Insurance

This insurance protects eligible cardholders against the cost of non-refundable prepaid travel arrangements if the trip is cancelled prior to your departure, due to a covered reason. For this coverage to be effective, you must have purchased your prepaid travel arrangements with your RBC ® credit card and/or Avion ® points.

Trip Interruption Insurance

Flight delay insurance.

If you miss your connecting flight, are denied boarding or your flight is delayed, this insurance reimburses you, up to a certain maximum, for reasonable and necessary expenses you may have (for example, a hotel room or restaurant meals) as long as you have checked in with the air carrier and you paid for your airline ticket with your RBC ® credit card and/or Avion ® points.

Delayed Baggage Insurance

If your checked baggage is lost or delayed, this insurance reimburses you, up to a certain maximum, for reasonable and necessary emergency purchases that you need, as long as you paid for your airline ticket with your RBC ® credit card and/or Avion ® points.

Hotel/Motel Burglary Insurance

If you need to repair or replace personal property that has been damaged or lost due to a burglary of your hotel/motel room or cruise cabin and you are a registered guest, this insurance reimburses you, up to a certain maximum, as long as you paid for your hotel/motel room or cruise cabin with your RBC ® credit card and/or Avion ® points.

Travel Accident Insurance

This insurance covers you for accidental bodily injury or death if you are injured during an accident that occurs while you are travelling on a common carrier (such as a passenger plane) as long as you paid for these transportation arrangements with your RBC ® credit card and/or Avion ® points before departing on your trip.

Auto Rental Collision/Loss Damage Waiver Insurance

When you pay for the entire cost of the rental vehicle using your RBC ® credit card and/or Avion ® points, this Insurance covers you and/or a rental agency for loss/damages to eligible rental vehicles up to the actual cash value of the damaged or stolen rental vehicle. The length of time you rent the same vehicle must not exceed forty-eight (48) consecutive days.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Infinite Certificate of Insurance (opens PDF in new window) for complete details.

Legal Disclaimer 1) Unless otherwise noted in the Certificate of Insurance, the maximum benefit for emergency medical insurance is unlimited.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Platinum Certificate of Insurance (opens PDF in new window) for complete details.

Lost/Stolen Baggage

We will pay the covered person for loss or damage to owned baggage and personal effects used for the personal use of the covered person while in transit as checked-in baggage or carried on board the air carrier when the full cost of the airline ticket is paid with your RBC ® credit card and/or Avion ® points.

All insurance is subject to limitations and exclusions. Download the RBC ® Avion ® Visa Infinite Business ‡ Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Business Certificate of Insurance (opens PDF in new window) for complete details.

• Under age 65: Unlimited coverage Disclaimer 1 for first thirty one (31) consecutive days of your trip
• Age 65+: Unlimited coverage Disclaimer 1 for first seven (7) consecutive days of your trip

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Infinite Privilege Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Infinite Privilege for Private Banking Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC Rewards ® Visa ‡ Preferred Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC ® U.S. Dollar Visa ‡ Gold Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC ® British Airways Visa Infinite ‡ Certificate of Insurance (opens PDF in new window) for complete details.

Next Step: Tell us who is travelling so we can give you an accurate quote.

Who do you want to get a quote for?

Why we ask: Since your credit card’s travel insurance covers you, your spouse and/or your dependent children, your quote will calculate the coverage you already have on your card—saving you money!

Why we ask: Since your credit card’s travel insurance does not cover travellers other than you (the cardholder), your spouse and/or your dependent children, your quote for these travellers will not factor in your credit card coverage.

Tip: You will need to get a quote and buy travel insurance for other eligible travellers separately so that we can give you an accurate quote for everyone.

Eligibility

To be eligible for this insurance coverage, a traveller must be:

• A client of the RBC companies or a spouse or child of a client
• A Canadian resident (applicable for Emergency Medical Insurance coverage)

Travel Insurance coverage is not included on your card, but we can cover you!

Although the card you used to purchase your trip does not include coverage, you can get a quote and buy affordable travel insurance now.

We are unable to determine the travel insurance coverage on your card

We can help make sure you’re protected financially every time you travel with affordable trip cancellation and interruption insurance, emergency medical insurance and more. Get a quote and buy affordable travel insurance now.

Health & Dental Quotes

• Health Insurance
• Dental Insurance
• Group Benefits
• Disability Insurance
• Critical Illness Insurance

Life Insurance Quotes

• Life Insurance
• No Medical Life Insurance
• Mortgage Life Insurance
• Funeral Insurance

Home and Auto Quotes

• Auto Insurance
• Home Insurance
• Condo Insurance
• Renters Insurance

Pet and Travel Quotes

• Travel Insurance
• Snowbird Travel Insurance
• Super Visa Insurance
• Pet Insurance
• Affordability Calculator
• Closing Cost Calculator
• Payment Calculator

COMPARE CREDIT CARDS

• Best Credit Cards in Canada
• Best No Annual Fee Credit Cards
• Best Rewards Credit Cards
• Best Cash Back Credit Cards
• Best Travel Credit Cards
• Best Business Credit Cards
• Best Student Credit Cards
• Best Credit Score Builder Cards
• Best Low Interest Credit Cards
• Best Balance Transfer Credit Cards
• Best No Foreign Exchange Credit Cards

OUR FEATURED CREDIT CARDS

• Neo Financial

CREDIT CARD REVIEWS

• Neo Financial Review
• Tangerine Money-Back Credit Card Review
• Scotiabank Value Visa Card Review
• Scotiabank No Fee Credit Cards Review
• Refresh Financial Secured Credit Card Review
• HBC Mastercard Review

CREDIT CARD GUIDES

• Annual Fee on a Credit Card - Is It Worth It?
• The Difference Between Mastercard and Visa: Answering Your Questions
• Purchases You Should Always Charge on Your Credit Card
• Why Having More than One Credit Card Makes Sense
• Spend to Earn: How to Earn Credit Card Reward Points Quickly
• Building Credit with a Credit Card
• Charge Card vs Credit Card: Understanding the Difference
• Easy Ways to Lower Your Credit Card Interest Rates
• Secured vs Unsecured Credit Card; The Best Way to Build Credit
• Personal Loans
• Business Loan
• Debt Relief
• Bank Accounts
• Free Credit Score
• Provincial Health Insurance Plans
• Insurance Companies
• Insurance Forms
• Insurdinary Reviews

CANADA RESOURCES

• My Service Canada Account: Step-by-Step
• SIN Number Application: Step-by-Step
• My CRA Account: Step-by-Step
• Canada Immigration 101
• Home 101: Understanding Your Home
• First-Time Home Buyer Guide in Canada
• Tax Resource for Canadians
• Beginner's Guide for New Drivers
• Canada's Food Guide
• Common Law Guide in Canada
• Pregnancy Guide for Canadians
• Renters and Landlords Guide
• Retirement Guide in Canada
• Best Places to Live in Canada
• Best Places to Retire in Canada
• 11 Best Places to Visit in Canada in the Wintertime
• Best Travel Destinations in Canada
• Best Travel Destinations for Canadians
• How to Log In
• How to Submit Claims
• 9 Benefits of Using A Health Insurance Broker
• Health Insurance for International Students in Canada
• The Complete Guide to Life Insurance
• Ultimate Guide to Buying Life Insurance at Every Age
• Best Life Insurance Options for Seniors
• Understanding Life Insurance for Children
• Understanding Life Insurance for Couples
• 6 Life Insurance Mistakes to Avoid
• Life Insurance for Drug Users
• Can Smokers Get Life Insurance
• Can Alcoholics Get Life Insurance
• Can I Get Life Insurance If I Have Asthma
• Can I Get Life Insurance If I Have Diabetes
• Can I Get Life Insurance If I Have Epilepsy
• Can You Get Life Insurance After A Stroke
• Can You Get Life Insurance with Cancer
• Canadiens Vs Maple Leafs - Digging Into The Rivalry
• How to Speak Canadian the Right Way
• Canada Road Trips
• How to Have a Side Hustle in Canada
• Top 5 Tourist Places in Each Province Revealed
• Top 5 Places to Go Glamping in Canada
• Best Free Tax Return Software for Canadians
• What Not to Post on Social Media while Traveling
• The Average Cost of Raising a Child in Canada
• The Real Cost of Owning A Pet in Canada
• The Real Cost to Build a House in Canada
• The Real Cost of Owning a Cottage in Canada
• The Real Cost of Owning a Boat in Canada

IN THE PRESS

• Insurdinary Surpasses 1000 Reviews!
• How Insurdinary Rakes in Great Reviews
• Optimize Your Finances with Insurdinary’s Expense Tracker App
• Insurdinary's Online Life Insurance Quoter: How It Works
• APOLLO Insurance Partners with Insurdinary

RESEARCH STUDY

• How COVID-19 Impacted Your Opinion on Life Insurance
• How COVID-19 Impacted Your Opinion on Travel Insurance
• Injured or Hospitalized While on Vacation
• How Do You Prefer to Buy Life Insurance
• Compare. Save. Get the Best Rates. Get Quotes Contact Us

RBC Insurance Employee Benefit Plan

Providing the right and attractive group benefits plan is key to attracting and retaining quality employees in your organization. You want your employees to be dedicated and completely focused on your business, don’t you? You need to take care of their basic insurance such as health insurance, dental coverage, disability insurance, or even life insurance.

You can still offer additional benefits to your employees depending on how far you are willing to go and how valuable the employee is. However, the quality of the group benefit you offer depends on the insurer you choose. This is why you should carefully choose the insurance company or provider you opt for. RBC Insurance is one of the names to reckon with for quality group insurance.

RBC Insurance employee benefit packages are designed to be customizable and can be tailored to suit your organizational culture and structure while still providing the comprehensive financial protection you envisioned for your employees. Furthermore, RBC can work with you to design the group plan in such a way as to help you to save cost and make the most of the coverage.

With RBC Insurance employee benefit plan you will not just make sure that your employees are satisfied with your business but you will go a long way to ensure that the employees and their family members are safe. This will give your employees the motivation and peace of mind they need to focus entirely on your business.

To get an immediate RBC Insurance employee benefit quote, click here .

Employee Benefit Plan Details

RBC offers three basic group benefits to give your employees and their families the protection they deserve. These include group life and AD&D insurance, group disability insurance, and group health and dental insurance.

The group life and AD&D insurance include basic life insurance, optional life insurance for employees who want more than the basic coverage, and accidental death and dismemberment insurance.

The group disability insurance covers short-term disability insurance, short-term disability advice to pay, and long-term disability insurance, while the group health and dental insurance cover prescription drug coverage, healthcare benefits, dental benefits, health spending account (HSA), survivor benefits and cost plus.

The healthcare benefits cover paramedic services, semi-private or private hospital room, private-duty nursing services, accidental dental coverage, medical supplies and services, eye exams and an optional vision care benefit, and out-of-province or country emergency medical travel insurance benefit.

Dental benefits cover recall exams, x-rays, scaling, filings, orthodontic services and major restorative services such as crowns, dentures, inlays, and veneers.

Furthermore, plan members can access Best Doctors Services, employee assistance program, wellness program, and discount programs. Plan administrators can take advantage of the HR support center, wellness toolkit, easy-to-implement digital wellness program.

To learn more about RBC employee benefit, click here .

Speak To An Expert

Employee benefit news.

RBC Insurance launched a digital solution to help group benefit solutions clients to take better care of their employees. The new solution is offered free of charge to group benefits clients with health coverage. It can be accessed through the My Benefits app or through the online group benefits portal.

Employees can gain access to a personal health management dashboard through the digital solution. Features such as health risk assessments, personalized content in a newsfeed, peer-to-peer recognition, and personal and corporate challenges are available in the dashboard. These are all intended to encourage employees to maintain an active and healthy lifestyle.

Julie Gaudry, the RBC Insurance senior director of group insurance said that the company understands the importance of employee wellbeing and how an effective wellness program will increase productivity and shape the workplace culture. She added that there are real obstacles for employers to implement and run a wellness program.

“Our wellness program makes it easy for employers to support their employees’ wellbeing by providing users with customized contents they are interested in, challenging them, informing them and rewarding them to make healthier choices”, Julie says.

In addition, the Wellness Program provides rewards and incentives to employees who meet their health-based goals. The rewards include cash back as well as discounts for purchases from up to a hundred different retailers.

To learn more about Canadian RBC Insurance employee benefit, click here .

Employee Benefits Related Pages

Employee benefit faq, how do i print my plan member id card.

You can sign in to our secure Online Group Benefit Solutions service and print a new card if you need a replacement ID card. You can also call RBC at 1-855-264-2174 if you would prefer a plastic ID card.

How do I submit a claim under my group benefits plan?

You can file your claim online or have your service provider file the claim electronically for you. The option that is available for you depends on the nature of your claim.

How do I check the status of a medical or dental claim under my group benefits plan?

To check the status of your claim under your group benefits plan, sign in to RBC’s secure Online Group Benefit Solutions service. This allows you to view the status of some types of claims. To see if your claim has been processed or the amount that was paid, check under “Claims Information”. You can call 1-855-264-2174 if you do not have access to the Online Group Benefit Solutions service and one of the representatives will attend to you.

How do I sign up for plan administrator online access?

To sign up for plan administrator online access, you need to first complete the Online Access Agreement and forward a copy of it to RBC Insurance Customer Service by emailing to [email protected]. You can also fax it to 1-855-257-1599.

Privacy & Security | Legal | Accessibility

Why Insurance Is a Travel Essential for Businesses

Sending your employees abroad? Here’s how travel has changed since Covid-19 and how you can protect your employees — and your company — from risks when flying.

As the world continues to recover in the wake of a pandemic and global conflict, the travel industry remains strong when it comes to both personal and business travel.

With many businesses beginning to embrace global expansion , they are turning their attention to in-person conferences and connections for their employees, meaning travel insurance is possibly more important than ever.

Years of travel restrictions coupled with economic uncertainty have more people than ever before wanting to travel and, more importantly, needing to travel safely. As such, businesses must educate and prepare their employees adequately ahead of their journeys.

2023 Travel Statistics

According to a recent survey :

• Almost 75 percent of U.S. citizens who flew had their flights canceled or delayed in 2023.
• Over 80 percent of those surveyed have started paying closer attention to cancellation policies, planning their trips earlier and purchasing travel insurance.
• Searches for travel insurance online have increased by over 60 percent.

More on Travel 5 Companies That Pay You to Travel

How Travel Has Changed Since Covid-19

The travel landscape is undergoing profound shifts due to changing regulations, emerging health concerns and geopolitical tensions. Governments worldwide are implementing new travel restrictions and protocols in response to evolving health crises and security threats. 

These include Covid-19 restrictions, as well as policies that require travelers to have new visas or insurance before visiting the country. Travelers are becoming more aware of the need to prioritize their safety and flexibility, and are seeking insurance policies that offer comprehensive coverage for unexpected disruptions and emergencies during their journeys.

Illness is a main concern of most travelers, and a travel insurance plan can offer protection if an individual needs to seek medical care during their trip. Additionally, add-on coverage for trip insurance such as the Cancel For Any Reason benefit can allow businesses to cancel a trip and receive reimbursement regardless of the reason, whether related to health, political unrest or newly imposed regulations.

Risks of Traveling Uninsured

Travel insurance is often perceived as a luxury rather than a necessity. The truth, however, is that the travel insurance landscape is vast, and there are endless protection policies that can cover everything from the cost of flights to a medical emergency , making it a necessity for companies looking to have employees travel. 

The real value of travel medical insurance has come to light in the wake of the Covid-19 pandemic. Healthcare costs greatly differ from country to country and domestic health insurance typically does not offer international coverage. Having medical coverage when traveling abroad can save travelers from the substantial financial burden of illness or injury while traveling.

Whether it’s mitigating the financial fallout of an unexpected illness or covering nonrefundable trip expenses, the stakes of unprotected travel vary but remain significant for both the traveler and their company. For trip insurance, the financial risk will equate to the total cost of nonrefundable trip expenses, which can be anywhere from hundreds to thousands of dollars depending on trip plans.

The cost of having to visit a doctor for illness or injury is one that you should avoid across the board. While no one wants to plan for the worst to happen on their trip, having a comprehensive travel insurance plan can be crucial for unexpected emergencies and peace of mind for both a company and its employees. 

Features and Benefits of Travel Insurance Policies

When navigating the travel insurance purchasing process, reviewing and comparing policy benefits and coverage amounts is essential for choosing the right plan to best fit a company’s needs. It’s also critical to be aware of any possible exclusions.

Businesses should consider the duration of the intended trip, whether they are sending an individual or group they can bundle policies for and the destination, as some countries require travel insurance for entry. 

There are two big categories for travel insurance: travel medical insurance and trip insurance. For travel medical insurance, businesses should keep in mind the age and health of the traveler to choose a plan that has adequate coverage and desired benefits, such as coverage for pre-existing conditions or emergency medical evacuation .

Trip insurance offers coverage for eligible nonrefundable trip costs in the event of a trip interruption, cancellation, delay, lost baggage and more. Travel medical insurance can cover emergency medical care for new and unexpected illnesses or injuries during these business trips.

 A common misconception about travel insurance is that claims are always denied. In reality, having a travel insurance policy can help alleviate the financial burden that some of these events can have on a company, especially when sending employees abroad.

More on Insurance 52 Insurtech Companies Making Coverage Simpler

Protect Your Employees — and Your Business

Every individual has the same chance that something can go amiss during a trip. With even a minimal investment in travel insurance, businesses can rest assured knowing their employees can enjoy their trip knowing that they’ll have financial protection in unforeseen situations. 

In the long-term, investing in travel insurance can potentially save a business money that otherwise may have been lost if something unexpected occurred during a trip and an employee did not have that added layer of protection.

Travel insurance is not a one-size-fits-all option, and it should not be treated as such. In-person connection is a critical aspect of today’s business landscape, and businesses should be taking every opportunity to educate themselves on all of their options and get the most from their insurance.

Recent Expert Contributors Articles