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Personal Insurance > Insurance Advice Centre > More Tips & Answers
Our Personal Insurance Advice site allows you to explore the different ways personal insurance can help meet your needs. You'll also find money-saving tips, hints for making the most of your coverage and answers to common questions.
When you're travelling, even a minor accident or sickness can become a major expense. What's more, any number of things can happen to disrupt even the most well planned trip. The good news is that travel insurance is affordable, easy to purchase and can protect you both medically and financially.
Anytime you leave Canada—even for a few hours—without travel medical insurance, you are taking a risk.
As an example, consider the following average costs for treatment in Florida(1). Without supplemental travel medical insurance, you could be responsible for up to 90% of these costs(2):
In addition to protecting you financially, travel medical insurance can help ensure that you receive the best possible medical care by managing all the important details during an emergency.
Cancelling a trip prior to departure can be very expensive as most trips are non-refundable, especially if you cancel at the last minute. Having to return home early from a trip can also be quite costly. But sometimes, you don't have a choice—an illness or emergency back home can happen at any time.
To help cover expenses arising from these types of situations and more, include trip cancellation and interruption insurance in your coverage.
If you lose your luggage or personal effects such as a passport, or your belongings are damaged during your trip, you'll want to replace these items as soon as possible.
For help covering the replacement costs, your coverage should include baggage and personal effects insurance.
Visit our Travel Insurance site to explore your coverage options.
†Also available for the spouse, child, or adopted child of the client. You must also be a Canadian resident and be covered by a government health insurance plan for the entire duration of your trip.
RBC Financial Group clients include customers of: RBC Royal Bank, RBC Insurance®, RBC Direct Investing™, RBC Dominion Securities and RBC Investments.
1) What You Need to Know About Out-of-Province Emergency Travel Insurance, RBC Insurance, June 9, 2005.
2) Travel Insurance: Ensure you have the protection you need before you leave, RBC Insurance, 2005.
3) Your natural and adopted children and stepchildren can all be included in family coverage as long as they are unmarried and under the age of 21; are over 20 years of age and have a mental or physical handicap; or are under 26 years of age and are full time students.
Buy from RBC Royal Bank®
For existing RBC Financial Group® clients† only.
Buy from a Travel Agency
Locate an agency that sells our travel insurance.
Even if your credit card or employee benefits plan offers some travel protection, it may not provide enough coverage in case of a medical emergency. Make sure you have no coverage gaps.
If you purchase a non-refundable airline ticket, trip cancellation insurance can protect your investment. (We strongly recommend you purchase this coverage when you book your flight.)
An illness or accident can happen at any time. So even if your trip is just a few days, make sure you're covered with travel medical insurance—the cost will be minimal.
Carry your travel insurance policy with you, along with the numbers you need to call in case of an emergency. Also leave a copy with family or friends back home.
Carefully read your travel insurance policy to fully understand the terms and conditions of your coverage.
When should I purchase travel insurance?
You must purchase insurance before you depart for your trip. We also recommend that you purchase trip cancellation insurance when you book your trip.
What are the top benefits of emergency medical coverage?
Toll-free 24-hour emergency assistance, unlimited emergency medical and hospital expense coverage, direct payment of bills whenever possible, and air and ground ambulance.
How would I get help if I'm in a foreign country?
If you have an emergency in a country where you don't speak the language, call our 24-hour toll-free emergency number and a multilingual coordinator will assist you.
Can I purchase emergency medical coverage for my family?
Yes. For your convenience, family plans are available.(3)