Travel Insurance Education Centre

Questions and Answers about Travel Insurance

Have a question about eligibility, coverage, claims and more? Check here for the answer:

Eligibility

		Who is eligible for coverage?
		Will my age affect my coverage eligibility?
		Will a pre-existing medical condition affect my coverage?
		What do I need to know about completing the health questions?
		Is it okay for a relative to complete the health questions on my behalf?
		My child is travelling with me. Do I need to buy separate coverage for him or her?
		My parents are travelling. Can I buy insurance on their behalf?
		Which travel insurance package or plan is right for me?

Coverage

		Doesn't my credit card cover me when I travel?
		Doesn't my government health plan cover me when I'm travelling in the U.S. or Canada?
		Why do I need travel medical insurance when I travel abroad?
		When should I purchase my travel insurance?
		Am I covered if I participate in any sports during my trip?
		Can I extend my emergency medical coverage if I extend my trip?
		I bought a multi-trip annual plan, but one trip I'm planning will extend past the ending date of my coverage. How can I ensure I'm covered for the added days I'm travelling?
		Can I purchase emergency medical coverage for a single trip that is longer than 183 days?
		Does RBC Insurance® offer special family prices?
		Why should I buy trip cancellation and interruption insurance?
		I have friends or family visiting Canada. Is coverage available for them?
		Do I really need to read my travel insurance policy?

Claims and Emergencies

		If I'm called home for an emergency, will travel insurance pay my expenses?
		If I have a medical emergency, should I call the emergency contact number first, before seeking medical treatment?
		What if my medical condition prevents me from calling before seeking emergency medical treatment?
		What happens when I call the emergency contact number due to a medical emergency?
		If I need care while I'm abroad, will I need to pay the expensive medical costs up front?
		What should I do if I need emergency help in a foreign country?
		How do I submit a claim?
		What documentation will I need to provide with my claim?
		What can I do to get my claim paid quickly?

Not sure what's best for your needs?

To better understand your choices and select the travel insurance that's right for you:

Try our Travel Insurance Recommendation tool