Travel Insurance

Planning to travel? Plan ahead

RBC Insurance

While planning your next trip, don’t forget to include insurance protection. After all, the cost of insurance is minimal compared to the risk of being faced with a medical emergency expense while away from home. That’s why RBC Insurance® can provide you with affordable coverage that includes:

  • A toll-free number offering immediate, multilingual emergency assistance, available 24/7.
  • Coverage for Trip Cancellation, Trip Interruption and Baggage & Personal Effects.
  • Upfront payments for eligible emergency medical and hospital expenses whenever possible, so you won’t pay out of pocket.

With travel insurance from RBC Insurance® you have the security of knowing you will receive the help you need during an emergency.  RBC Insurance has more than 40 years of experience and serves over 3 million customers annually.

Choose from our comprehensive packages and plans

This package is ideal if you're under 75 years of age, are travelling outside Canada and want the most complete travel protection we offer.

Summary of Insurance Coverage - Deluxe Package:

Insurance Coverage Benefit Maximum Sums Available
Cancellation & Interruption Insurance Trip Cancellation - Before departure: Up to the sum insured
Trip Interruption - After departure: Economy Class Transportation
Trip Interruption – Unused Portion of Prepaid Travel Arrangements Up to the sum insured for Trip Cancellation - Before Departure
Subsistence allowance: $3,500
HolidaySure Plan®: $750 travel coupon
Connection benefit: $1,000
Emergency Medical Insurance Medical & other benefits: Unlimited1
Subsistence allowance: $3,500
Baggage & Personal Effects Insurance Loss of, or damage to, baggage & personal effects: $1,0002
Delay of baggage & personal effects: $4003
Flight Accident Insurance Death, double dismemberment, loss of sight of both eyes, or complete and irrecoverable loss of speech or hearing4: Principal sum: $100,000
Travel Accident Insurance Death, double dismemberment, loss of sight of both eyes, or complete and irrecoverable loss of speech or hearing4: Principal sum: $50,000

1. This insurance is subject to a maximum of $20,000 if you do not have valid government health insurance plan coverage.

2. The maximum for any one item or set of items is $500. The maximum sum insured per person or per family does not exceed $2,000 in total for all coverages issued by us.

3. This insurance is available while en route and before returning to your departure point.

4. You are entitled to a maximum of the largest amount specified for one of these benefits.

Looking for more details?

Download the Deluxe Package Insurance Policy Open PDF file [PDF - 24 pages.]

This package is ideal if you are taking a trip exclusively within Canada and you want the most complete travel protection we offer.

Summary of Insurance Coverage - Travel Within Canada Package

 

Insurance Coverage Benefit Maximum Sums Available
Cancellation & Interruption Insurance Trip Cancellation - Before departure: Up to the sum insured
Trip Interruption - After departure: Economy Class Transportation
Trip Interruption – Unused Portion of Prepaid Travel Arrangements Up to the sum insured for Trip Cancellation - Before Departure
Subsistence allowance: $3,500
HolidaySure Plan®: $750 travel coupon
Missed connection benefit: $1,000
Emergency Medical Insurance Medical & other benefits: Unlimited1
Subsistence allowance: $3,500
Baggage & Personal Effects Insurance Loss of, or damage to, baggage & personal effects: $1,0002
Delay of baggage & personal effects: $4003
Flight Accident Insurance Death, double dismemberment, loss of sight of both eyes, or complete and irrecoverable loss of speech or hearing4: Principal sum: $100,000
Travel Accident Insurance Death, double dismemberment, loss of sight of both eyes, or complete and irrecoverable loss of speech or hearing4: Principal sum: $50,000
  1. This insurance is subject to a maximum of $20,000 if you do not have valid government health insurance plan coverage.
  2. The maximum for any one item or set of items is $500. The maximum sum insured per person or per family does not exceed $2,000 in total for all coverages issued by us.
  3. This insurance is available while en route and before returning to your departure point.
  4. You are entitled to a maximum of the largest amount specified for one of these benefits.

Looking for more details?
Download the Travel Within Canada Package Insurance Policy Open PDF file [PDF - 24 pages.]

This package is ideal if you are travelling outside Canada, and you do not need Emergency Medical insurance.

Summary of Insurance Coverage - Non-Medical Package

Insurance Coverage Benefit Maximum Sums Available
Cancellation & Interruption Insurance Trip Cancellation - Before departure: Up to the sum insured
Trip Interruption - After departure: Economy Class Transportation
Trip Interruption – Unused Portion of Prepaid Travel Arrangements Up to the sum insured for Trip Cancellation - Before Departure
Subsistence allowance: $3,500
HolidaySure Plan®: $750 travel coupon
Missed connection benefit: $1,000
Baggage & Personal Effects Insurance Loss of, or damage to, baggage & personal effects: $1,0001
Delay of baggage & personal effects: $4002
Flight Accident Insurance Death, double dismemberment, loss of sight of both eyes, or complete and irrecoverable loss of speech or hearing4: Principal sum: $100,000
Travel Accident Insurance Death, double dismemberment, loss of sight of both eyes, or complete and irrecoverable loss of speech or hearing4: Principal sum: $50,000
  1. The maximum for any one item or set of items is $500. The maximum sum insured per person or per family does not exceed $2,000 in total for all coverages issued by us.
  2. This insurance is available while en route and before returning to your departure point.
  3. You are entitled to a maximum of the largest amount specified for one of these benefits.

Looking for more details?

Download the Non-Medical Package Insurance Policy [PDF - 18 pages.]

This coverage is ideal if you're under 65 years of age and want unlimited coverage for eligible emergency medical expenses you may incur while travelling outside your home province or territory.

Summary of Insurance Coverage - Classic Medical Plan

Benefit Maximum Sums Available
Emergency medical and other benefits: Unlimited1
Hospital allowance: $500
Emergency services (chiropractor, physiotherapist, etc.): $300
Return trip destination: One-way Economy airfare
Subsistence allowance: $1,750
Physician visit to replace lost, stolen or damaged medication: Maximum sums available: one visit to a physician to obtain a written prescription
Repatriation of deceased: Unlimited 2
Bedside companion's travel to bedside: Economy airfare & $500 subsistence
Emergency Medical Evaluation/Return to your Province or Territory or Residence One-way Economy airfare, or stretcher, or qualified medical attendant or air ambulance
Emergency dental treatment:3 $300 and/or accidental blow (emergency expenses)
Return of vehicle: Reasonable costs
Return of children: One-way Economy airfare & escort if necessary
Return of one travelling companion: One-way Economy airfare
Return of dog or cat: $500
Return of excess baggage: $500
  1. This insurance is subject to a maximum of $20,000 if you do not have valid government health insurance plan coverage.
  2. Please see policy for limits on the transportation container, cremation and burial at location.
  3. Benefit is emergency dental expenses to repair or replace natural or permanently attached artificial teeth incurred during the trip and up to a maximum of $1500 for continued necessary treatment after returning to Canada.

Looking for more details?

Download the Classic Medical Plan Insurance Policy Open PDF file [PDF - 14 pages.]

Cancellation and Interruption Insurance helps to protect you from the costs that arise when a sickness, an injury or another unexpected covered risk causes you to cancel your trip or disrupt your travel plans.

Summary of Insurance Coverage - Cancellation and Interruption

Indemnité maximale
Trip Cancellation - Before departure: Up to the sum insured
Trip Interruption - After departure: Up to the sum insured
Trip Interruption – Economy Ticket & Unused Portion of Prepaid Travel Arrangements $800, or $1,500, refer to Policy
Subsistence allowance (trip interruption): $350
Subsistence allowance (delayed return): $1,750
Repatriation of remains: Unlimited transportation to departure point: $5,000 for preparation of remains $5,000 for cremation or burial at location where death occurred

Looking for more details?

Download the Cancellation and Interruption Plan Insurance Policy [PDF - 14 pages.]

Why is Travel Insurance Essential?

No matter where you are travelling, here are some excellent reasons to buy travel insurance the next time you book a trip:

  • Your government health insurance plan may not cover all emergency medical expenses
  • Your credit card coverage may be limited
  • Your employee benefits plan coverage may be limited
  • You may need coverage for a range of situations

Note: Travel insurance is not essential for cancellations and refunds that are permitted under applicable fare rules (i.e. as determined by the fare type you have selected), or for cancellations and refunds which are done, without penalty for any purchased ticket up to 24 hours after purchase.

Underwritten by RBC Insurance Company of Canada.
Baggage and Personal Effects Insurance is Underwritten in Quebec by RBC General Insurance Company.
® Registered trademarks of Royal Bank of Canada. Used under licence.