rbc travel insurance policy booklet

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
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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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Travel Insurance Quote

What do you need coverage for.

Choose a trip type to help us provide a quote recommendation on the type of coverage that may be right for you.

Please note that a Multi-Trip quote will not factor in your credit card’s travel insurance coverage. This is because credit card coverage can be calculated for Single Trip quotes only. If you want to see what your credit card will cover, we recommend starting with a Single Trip quote first.

Underwritten by RBC Insurance Company of Canada.

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[an error occurred while processing this directive] Managing Your Card > Documentation > Insurance Certificates

Trip Cancellation/Trip Interruption Insurance

Rbc royal bank visa platinum preferred trip cancellation/trip interruption insurance certificate of insurance.

Introduction

IMPORTANT — PLEASE READ: This Certificate of Insurance is a valuable source of information and contains provisions that may limit or exclude coverage. Please read this Certificate of Insurance, keep it in a safe place and carry it with you when you travel.

RBC Insurance Company of Canada (the "Insurer") has issued group insurance policy U-1014452-A to Royal Bank of Canada ("RBC Royal Bank"), to cover expenses related to Trip Cancellation and group insurance policy U-1014453-A to RBC Royal Bank, to cover expenses related to Trip Interruption. This Certificate of Insurance summarizes the provisions of these group insurance policies.

All italicized terms have the specific meaning explained in the "Definitions" section of this Certificate of Insurance.

How to contact Assistance Services

If you require assistance in regards to Trip Cancellation / Trip Interruption Insurance, you can contact Assured Assistance Inc. (Assured Assistance) by calling:

1-800-533-2778 toll-free from the US & Canada, or 905-816-2581 collect from anywhere in the world

Trip Cancellation / Trip Interruption Insurance will reimburse only the cancellation penalties in effect at the time of the cause of cancellation or interruption.

• When the cause of cancellation occurs before the scheduled departure from the departure point , and while coverage is in effect, the covered person must cancel the trip with the agent immediately, but no later than the next business day following the cause of cancellation.
• When the covered person is forced to interrupt or discontinue the trip due to one of the insured risks, and while coverage is in effect, the covered person must call Assured Assistance immediately.

If you are unsure or need clarification of the provisions of the Trip Cancellation / Trip Interruption Insurance, call Assured Assistance.

Definitions

Throughout this document, all italicized terms have the specific meaning explained below.

Applicant means a person who has signed and submitted an application as the applicant for an RBC Royal Bank Visa Platinum Preferred card and in whose name the card account is established.

Agent means a travel agent or other travelling authority licensed by the jurisdiction in which they operate.

Cancellation penalties means the amount paid with your RBC Royal Bank Visa Platinum Preferred card or equivalent RBC Rewards ® points which would be forfeited under the terms of the agreement made with the agent if the travel arrangements are cancelled, and for which the authorized agent will not provide any other form of compensation.

Cardholder means any person (includes applicants , co-applicants and authorized users) to whom RBC Royal Bank has issued an RBC Royal Bank Visa Platinum Preferred card.

Common carrier means airline, bus, taxi, limousine, ship or train.

Covered person means the applicant , the applicant's spouse , or a dependent child who travel with or joins the applicant or the applicant's spouse on the same trip . A co-applicant or an authorized user to whom RBC Royal Bank has issued an RBC Royal Bank Visa Platinum Preferred card is a covered person in his/her own right. A covered person may be referred to as " you " or " your " or " yourself ". A co-applicant's or authorized user's spouse and/or dependant child are not eligible for this insurance.

Departure date means the date of your departure from your departure point .

Departure point means the province or territory you depart from on the first day of your intended trip .

Dependent child means a dependent unmarried natural, adopted, step or foster child who is:

• under 21 years of age, or
• under 26 years of age if a full-time student, or
• mentally or physically handicapped and incapable of self-sustaining employment and totally reliant on you for support and maintenance.

Effective date means the date and time of purchase of prepaid travel, accommodations and recreation arrangements and before any cancellation penalties have been incurred, provided you pay the entire cost with your RBC Royal Bank Visa Platinum Preferred card.

Emergency means an unforeseen event that occurs during the period of insurance and makes it necessary to receive immediate treatment from a physician or to be hospitalized.

Family means spouse , parent, step-parent, grandparent, grandchild, in-law, natural or adopted child, step-child, brother, sister, step-brother or step-sister.

Hospital means an institution licensed to treat patients on an in-patient, out-patient and emergency basis, which has an operating room and laboratory, and which is operated under the supervision of a staff of physicians . It does not include any establishment which is licensed or used principally as a clinic, extended or palliative care facility, rehabilitation facility, convalescent, rest or nursing home, home for the aged, health spa or addiction treatment centre.

Hospitalization means a stay of at least 48 hours in a hospital for emergency medical treatment, which cannot be postponed.

Covered person means the applicant , his/her spouse or dependent child . A co- applicant or an authorized user to whom the Policyholder has issued an RBC Royal Bank Visa Platinum Preferred card under one of the above Plans is an Covered person in his/her own right. A co- applicant 's or authorized user's spouse or dependent child is not eligible for this insurance. All s must be a permanent resident of Canada.

Key employee means an employee whose continued presence is critical to the ongoing affairs of the business during your absence.

Medical condition means accidental bodily injury or sickness (or a condition related to that accidental bodily injury or sickness), including disease, acute psychoses and complications of pregnancy occurring within the first 31 weeks of pregnancy.

Mountain climbing means the ascent or descent of a mountain requiring the use of specialized equipment, including crampons, pick-axes, anchors, bolts, carabiners and lead- or top-rope anchoring equipment.

Physician means someone who is not you or a member of your family who is licensed to prescribe drugs and administer medical treatment (within the scope of such license) at the location where the treatment is provided. A physician does not include a naturopath, herbalist or homeopath.

Return date means the date and time on which you are scheduled to return to your departure point .

Spouse means the person who is legally married to you , or has been living in a conjugal relationship with you for a continuous period of at least one year and who resides in the same household as you .

Stable means any medical condition or related condition (including any heart condition or any lung condition) for which there have been:

• no new treatment or new prescribed medication, and
• no change in treatment or change in prescribed medication (including the amount of medication to be taken, how often it is taken, the type of medication or change in treatment frequency or type), and
• no new symptom, more frequent symptom or more severe symptom experienced, and
• no test result showing a deterioration, and
• no hospitalization or referral to a specialist (made or recommended) or the results of further investigations not yet completed,

for that medical condition or related condition (including any heart condition or any lung condition).

Travelling companion means the person who is sharing travel arrangements with you , and whose fare for transportation and/or accommodation was entirely prepaid at the same time as the covered person .

Trip means the period of time from your departure date up to and including your scheduled return date , as shown on your travel documents.

When does coverage begin and end?

This insurance provides coverage whenever prepaid travel, accommodations and recreation arrangements were arranged by an agent , provided you pay the entire cost of these prepaid travel, accommodations and recreation arrangements with your RBC Royal Bank Visa Platinum Preferred card, and before any cancellation penalties have been incurred.

Coverage starts on your effective date .

Coverage ends on the earliest of:

• midnight of your return date ;
• the date your RBC Royal Bank Visa Platinum Preferred account is cancelled;
• the date your RBC Royal Bank Visa Platinum Preferred account is 60 days past due; or
• the date the group insurance policies terminate.

What are the sums insured?

Under Trip Cancellation Insurance (when the risk occurs BEFORE your trip ), the maximum amount payable per:

• applicant, applicant's spouse or dependent child per trip is $2,500.
• co-applicant per trip is $2,500.
• authorized user per trip is $2,500.

If a dependent child is also an authorized user, the maximum sum insured is the amount listed for the authorized user.

Under Trip Interruption Insurance (when the risk occurs DURING your trip ), the maximum amount payable for each covered person for any one interrupted trip is $2,500.

What are the risks and benefits?

What are the benefits.

Prepaid travel arrangements — Reimbursement to you of the expenses you actually incur as a result of one of the insured risks up to the sum insured for:

• the non-refundable portion of your prepaid travel arrangements.

the non-refundable unused portion of your prepaid travel arrangements, excluding the cost of prepaid unused transportation back to your departure point .

Transportation — Reimbursement to you of the expenses you actually incur as a result of one of the insured risks up to the sum insured for the extra cost of:

your economy class transportation via the most cost-effective route to your departure point . Travel must be undertaken on the earliest of:

• the date when your travel is medically possible, and
• within 10 days following your originally scheduled return date if your delay is not the result of hospitalization , or
• within 30 days following your originally scheduled return date if your delay is the result of hospitalization .
• your one-way economy airfare via the most cost-effective route to your next destination (in- and outbound).

* Return of a travelling companion — Should a decision be made, by the Insurer, to transport you to a treatment facility in your province or territory of residence, the Insurer will pay the cost of upgrading to economy-class transportation for one travelling companion to his/her departure point , provided that he/she is unable to make use of the original ticket as a result of the delay caused by your emergency medical condition or death.

Pre-Existing Condition Exclusion

This insurance does not pay for any expenses incurred directly or indirectly as a result of:

• Your medical condition or related condition, if at any time in the 90 days before your effective date , your medical condition or related condition has not been stable .

Your heart condition, if at any time in the 90 days before your effective date :

• any heart condition has not been stable , or
• you have taken nitroglycerin more than once per week specifically for the relief of angina pain.
• any lung condition has not been stable , or
• you have been treated with home oxygen or taken oral steroids (prednisone or prednisolone) for any lung condition.

General Exclusions

The Insurer will not pay for any expenses incurred directly or indirectly as a result of:

• Cancellation or interruption when you are aware, on the effective date , of any reason that might reasonably prevent you from travelling as booked.
• A trip undertaken to visit or attend an ailing person, when the medical condition or ensuing death of that person is the cause of the claim.
• Your intentional self-inflicted injury, suicide or attempted suicide (whether sane or insane).
• Your committing or attempting to commit a criminal offence.
• Your mental or emotional disorders, other than acute psychoses, unless you are hospitalized (where permitted by law).
• Your chronic abuse of alcohol.
• Your abuse of medication, drugs or alcohol or alcoholism, or your non-compliance with prescribed medical therapy or treatment.
• routine pre-natal care,
• any medical treatment directly or indirectly related to pregnancy, occurring within 9 weeks before or after the expected date of delivery, or
• childbirth occurring within 9 weeks before or after the expected date of delivery.
• Any child born during the trip .
• Any medical condition or related condition that arises during a trip you undertake with the knowledge, acquired prior to departure, that you will require or seek treatment or surgery.
• Your participation as a professional in sports, participation as a professional in underwater activities, scuba diving as an amateur unless you hold a basic scuba designation from a certified school or other licensing body, participation in a motorized race or motorized speed contest, bungee jumping, parachuting, rock climbing, mountain climbing , hang-gliding or skydiving.
• Act of foreign enemies or rebellion, voluntarily and knowingly exposing yourself to risk from an act of war (declared or not) or voluntarily participating in a riot or civil disorder.
• Police, military, or law-enforcement service.
• The inability to obtain desired rental accommodation, financial difficulties or disinclination to travel.
• Your failure to appear at the airport, except in circumstances described as insured causes.
• Any trip not arranged by an agent .
• Any travel rewards provided by any Frequent Flyer or RBC Rewards ® Plan.
• A medical condition of a travelling companion whose trip does not begin at the same time and place as the covered person .
• Ionising radiation or radioactive contamination from any nuclear fuel or waste which results from the burning of nuclear fuels; or, the radioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it.

What to do if you have a claim?

If you call Assured Assistance at the time of the cancellation or interruption as shown under "How to contact Assistance Services" you will receive the necessary claims assistance.

If you do not call Assured Assistance, you must notify the Claims Centre of your claim within 30 days of the date of the cause of cancellation or interruption.

For your claim to be reviewed, you must submit the following information:

• the completed claim form. Please contact the Claims Centre to obtain a claim form. (Note: a legal guardian must complete the claim process on behalf of a covered person under the age of 18 in Quebec or under the age of 16 for the rest of Canada),
• the medical certificate (contact the Claims Centre to obtain a medical certificate), fully completed by the legally qualified physician in active personal attendance and in the locality where the medical condition occurred stating the reason why travel was impossible,
• written evidence of the risk insured, which was the cause of cancellation or interruption,
• complete original unused transportation tickets and vouchers,
• receipts for the prepaid land arrangements,
• original passenger receipts for new tickets,
• reports from police, common carrier or local authorities documenting the cause of the missed connection, and
• detailed invoices and/or receipts from the service provider(s).

Submission of claims must be made to the Claims Centre:

You must submit the information required for your claim within 90 days of the date of the cause of cancellation or interruption. If it is not reasonably possible to provide such information within 90 days, you must do so within one year or your claim will not be paid.

The Claims Centre will notify you of the decision on your claim within 60 days of receiving all of the required information.

Other Claim Information

When a cause of cancellation occurs before your departure date , you must:

• cancel your trip with the agent or the carrier immediately, but no later than the business day following the cause of cancellation, and
• advise the Insurer at the same time.

The Insurer's maximum liability is the amounts or portions indicated in your trip contract that are non-refundable at the time of the cause of cancellation or on the next business day.

If you disagree with the claim decision of the Insurer, the matter will be submitted to arbitration under the arbitration law in the Canadian province or territory in which you permanently reside. You must begin arbitration proceedings to recover a claim within 12 months of the occurrence. If, however, this limitation is invalid according to the laws of the Canadian province or territory where you permanently reside, you must commence your claim within the shortest time limit permitted by that province or territory. All arbitration proceedings must be brought in the Canadian province or territory in which you permanently reside. Where requested by the Insurer, you consent to the transfer of any proceedings to the province or territory where you permanently reside.

What other terms should you know about?

• This insurance is classified as supplemental, in that it covers expenses in excess of expenses payable by any other insurance plan.
• If you incur expenses covered under this insurance due to the fault of a third party, the Insurer may take action against the third party. You agree to cooperate fully with the Insurer or its agents and to allow the Insurer or its agents, at its/their own expense, to bring a lawsuit in your name against a third party. Where a third party is involved, an accident report is required before any claim payments can be made.
• If you are eligible, from any other insurer, for benefits similar to the benefits provided under this insurance, the total benefits paid to you by all insurers cannot exceed the actual expense that you have incurred. We will coordinate the payment of benefits with all insurers from whom you are eligible for benefits similar to those provided under this insurance, to a maximum of the largest amount specified by each insurer.
• All amounts are shown in Canadian dollars. If you have paid a covered expense, you will be reimbursed in Canadian currency at the prevailing rate of exchange quoted by RBC Royal Bank on the date the last service was rendered to you . This insurance will not pay for any interest.
• The Insurer, Customer Service Representatives/Coordinators of Assured Assistance and the Claims Centre, RBC Royal Bank and their agents are not responsible for the availability, quality or results of medical treatment or transportation, or your failure to obtain medical treatment.
• This Certificate of Insurance is the entire contract between you and the Insurer and is subject to the statutory conditions of the Insurance Companies Act of Canada and any governing provincial statutes concerning contracts of accident insurance.
• To substantiate a claim under this insurance, you must provide the requested/required document. Failure to provide the requested/required documentation will invalidate your claim.
• The Insurer may, at its discretion, void this contract in the case of fraud or attempted fraud by you , or if you conceal or misrepresent any material fact or circumstance concerning this insurance contract.

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Travel insurance

To apply for a packaged account you must be an existing current account customer..

Our Travel Insurance policies are underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz Assistance.

On this page 

What's travel insurance?

Travel insurance is financial protection against unforeseen circumstances while you’re travelling or on holiday. Depending on your level of cover it can protect you, your trip and your property such as medical care, cancelled flights or lost luggage.

Our policies:

• Include winter sports cover
• Include COVID-19 cover
• Have the option of cover for over 70s
• Can have cover for many pre-existing medical conditions added

We offer travel insurance with our packaged bank accounts

These are only available to existing Royal Bank current account customers.

Which bank accounts come with travel insurance?

Our Silver bank accounts come with European travel insurance.

Our Platinum and Black bank accounts come with Worldwide travel insurance.

Do I legally need travel insurance?

No, you are not legally required to have travel insurance however it is a good idea.

Some tour operators may insist that you have travel insurance before they confirm your booking, especially to countries like the USA where there’s no public health service.

Why is travel insurance important?

If you have travel insurance, depending on your policy, it could cover the costs of unforeseen incidents such as health emergencies, cancelled flights or missing luggage.

Not sure a packaged account is for you?

 View our full  range of accounts , including accounts with no monthly fee.

Who is covered by my travel insurance?

For both Platinum and Black account customers, family cover is included. This provides cover for you, your partner, and dependent children under 18 (or under 23 if in full time education) at the start of the journey. Children must be living at the home address (or with the other parent) and be neither married nor in a civil partnership.

For Silver account customers, only you and any joint account holder is covered.

What does travel insurance cover me for?

We have a range of cover across our packaged bank accounts. Please see the policy terms for full details and exclusions. 

Cover for your trip

• Cancelling your trip (before you are due to start your trip)
• Delayed or missed departure (on the day you are travelling) 
• Cutting your trip short (after your trip has started)

Cover for you

• Emergency medical costs (such as illness, injury or quarantine)
• Personal accident (such as an accidental injury)
• Personal liability (if you become legally liable for an accident)
• Legal costs 

Cover for your property

• Baggage (lost, stolen or accidentally damaged)
• Delayed baggage (essential replacement of toiletries, medication or clothing)
• Personal money (lost or stolen)
• Lost Passport or Driving Licence (reasonable travel, accommodation and administration costs)
• Winter sports cover 

Over 70 or have pre-existing medical conditions?

If you or your joint account holder are aged 70 or over, you’ll need to get in touch with us each year to purchase an age extension upgrade, where there will be a £75 annual premium per person aged 70 or over.

Pre-existing medical conditions won’t be covered. You may have to pay extra for this, or you may find that your condition cannot be covered.

To find out if you can extend your travel insurance to include cover for someone over 70, or with a new or existing medical condition, please sign in to  Membership Services  and complete the online form.

You can contact us to discuss:

For new or existing customers, you can call us on:

 Silver : 0345 607 5154 (Relay UK 18001 0345 607 5154) Overseas: +44 2392 666 062 Platinum : 0345 609 0456 (Relay UK 18001 0345 609 0456) Overseas: +44 2392 668 827 Black : 0345 266 8801 (Relay UK 18001 0345 266 8801) Overseas: +44 2392 668 814

What if Allianz Assistance are unable to offer me an upgrade?

You may be able to obtain alternative travel insurance cover for pre-existing medical conditions by contacting one of the providers featured in the  MoneyHelper Directory  of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need

Telephone: 0800 138 7777 | Relay UK: 18001 0800 138 7777. Monday to Friday, 8am to 6pm | Saturday, Sunday, and Bank Holidays, closed

Travel Insurance Terms

We do our best to ensure everyone is aware of their account terms and conditions, please take some time to review, print and/or save a copy of these.

• Platinum Travel Insurance Terms (PDF, 446 KB)
• Black Travel Insurance Terms (PDF, 405 KB)

Types of cover included with our bank accounts

Worldwide travel insurance

If you’re looking for Worldwide or Family travel insurance, we offer cover built in to our Platinum and Black accounts.

Reward Platinum and Select Platinum account

Family travel insurance for trips in the UK and worldwide up to 31 days, including winter sports.

• Includes emergency medical expenses, cancellations, baggage and more.
• Cover for you, your partner, and dependent children under 18 (or under 23 if in full time education) at the start of the journey. Children must be living at the home address (or with the other parent) and be neither married nor in a civil partnership.
• COVID-19 cover.

Are you an existing customer?  To see your full list of account benefits:

Manage your Reward Platinum

Manage your Select Platinum

To apply for a Reward Platinum you must be an existing Royal Bank current account customer. £20 monthly fee. Select Platinum can't be applied for.

Reward Black and Black account

Family travel insurance for trips in the UK and worldwide up to 90 days, including 31 days for winter sports.

• Includes medical expenses cover, cancellations, baggage and more.

Are you an existing Premier customer?   Manage your benefits .

To apply for a Reward Black you must be an existing Royal Bank current account customer and meet one of the following criteria: have a minimum £100k sole income or £120k joint income paid into your Royal Bank account, or £500k minimum mortgage borrowing with us, or minimum £100k savings or investments held with us. £31 monthly fee. Black account can't be applied for.

European travel insurance

If you’re looking for European travel insurance, we offer cover built in to our Silver accounts.

Reward Silver and Select Silver accounts

You’re covered for 22 days per trip for UK and European travel, including winter sports.

• Only you and any joint account holder will be covered.

Are you an existing customer?  To view your full account benefits:

Manage your Reward Silver

Manage your Select Silver

To apply for a Reward Silver you must be an existing Royal Bank current account customer. £10 monthly fee. Select Silver can't be applied for.

Make a claim online

To make a travel insurance claim online log in to Membership Services and complete the online form. Membership Services is where you can manage all of your account benefits, if you've not logged in before you'll need to sign up. 

Or you can call us

Silver : 0345 607 5154 (Relay UK 18001 0345 607 5154) Overseas: +44 2392 666 062 Platinum : 0345 609 0456 (Relay UK 18001 0345 609 0456) Overseas: +44 2392 668 827 Black : 0345 266 8801 (Relay UK 18001 0345 266 8801) Overseas: +44 2392 668 814

Common questions about our travel insurance

How can i get a copy of my travel insurance policy.

You can get a copy of your travel insurance terms here:

Silver Travel Insurance Terms (PDF 687KB) .

Platinum Travel Insurance Terms (PDF 717KB)

Black Account Travel Insurance Terms (PDF 895KB)

Do I need to register for travel insurance?

You don't need to register, you're automatically covered.

If you would like to extend your cover to include pre-existing medical conditions or are aged 70 and over, please call us. We may ask you to pay an additional premium or we may not cover your condition.

Do I need to let you know my travel plans?

You don't need to let us know when you are going abroad. Your travel insurance automatically applies if you have a Silver, Platinum, or Black bank account.

Our fraud monitoring services will secure and monitor your debit card activity the same way as it does within the UK so you can travel freely without having to notify us.

However, we understand you might still like to register your travel plans and for that reason we have kept the option for you to do so on the mobile app.

Steps to register your travel plans for your debit card:

• All you need to do is tap on your account from the main page and go to 'Manage my card'.
• Tap 'Going abroad' then 'Add trip' (iOS devices) or 'Register card' (Android devices) and follow the instructions on screen.

What is my travel insurance policy number?

Your policy number is your sort code followed by your account number. 

This is also shown on the Certificate of Insurance that you can download or request by calling us.

Any upgrades you purchase will have their own unique policy ID which is shown in the confirmation email.

What cover does our travel insurance provide for COVID-19?

Your policy provides cover for the following situations related to COVID-19 as long as the Foreign, Commonwealth & Development Office (FCDO) aren't advising against "all travel" or "all but essential travel" to your destination. 

Cutting short a trip due to:

•  A change in FCDO advice, as long as you weren’t aware of this advice when you travelled. 
• Being unable to stay in pre-booked accommodation due to COVID-19 or another pandemic, as long as you weren’t aware of this when you travelled.

Cancelling a trip due to:

• You or any insured person, close relative or travelling companion being diagnosed with COVID-19 or another pandemic disease.
• Quarantine (as an individual and not broadly as part or all of a population, vessel or geographical area).
• The FCDO advising against 'all' or 'all but essential' travel due to COVID-19 or another pandemic, if not known at the time of booking
• You being refused boarding onto your booked public transport due to displaying symptoms of COVID-19 or another epidemic or pandemic.

Other ways we can help you while abroad

Spending abroad.

A guide to using your card abroad and important fee information.

Currency card calculator

Use our calculator to view your conversion rates and charges.

Switch to Royal Bank

The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account all within 7 working days, including Direct Debits and standing orders. All you need to do is tell us the details of your old bank account and when you want the Switch to start.

We can not switch savings accounts or ISAs through this service. Any other products you have with your old bank will not be moved at the same time.

Current Account Switch Guarantee (PDF, 39KB)

A Guide to Switching Current Accounts (PDF, 3MB)

How does the Switch Service work?

Something else we can help you with?