{"id":15162,"date":"2024-10-30T12:01:49","date_gmt":"2024-10-30T12:01:49","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?page_id=15162"},"modified":"2026-02-03T14:51:17","modified_gmt":"2026-02-03T19:51:17","slug":"travel-insurance-for-seniors","status":"publish","type":"page","link":"https:\/\/www.rbcinsurance.com\/en-ca\/travel-insurance\/travel-insurance-for-seniors\/","title":{"rendered":"Travel Insurance for Seniors &amp; Snowbirds"},"content":{"rendered":"\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__HeroImageBackground  hasDarkBg\" style=\"background:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/snowbirdon-a-warm-winter-getaway_insurance_hero-desktop.webp) no-repeat;--bghero-mobi-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/snowbirdon-a-warm-winter-getaway_insurance_hero-mobile.webp)\">\n<div class=\"wp-block-columns cols-hero-wrapper is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-front is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"rbc-yoast-breadcrum\"><span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-white-color has-text-color has-link-color wp-elements-1f13bf4e29a931219f9d22f209549aa6\" id=\"h-emergency-24-7-assistance-and-coverage-for-stable-and-pre-existing-conditions-2\">Emergency <mark style=\"color:#FEDF01\" class=\"has-inline-color\">24\/7 assistance<\/mark> and coverage for stable and pre-existing conditions<sup><a href=\"#legal-2\" data-dig-id=\"LP-15162-0e9b1799\" data-dig-label=\"2\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">2<\/a><\/sup><\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">Get a quote and purchase affordable travel insurance in minutes.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/online.worldprotect.com\/cgi-bin\/weblinkca\/en\/travel-insurance.cgi?agency_code=RBCIDTO\" data-dig-id=\"LP-15162-73f7f913\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get your free quote-https:\/\/online.worldprotect.com\/cgi-bin\/weblinkca\/en\/travel-insurance.cgi?agency_code=RBCIDTO \">Get your free quote<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h1 class=\"wp-block-heading has-text-align-center\" id=\"h-travel-insurance-for-seniors-and-snowbirds\">Travel insurance for seniors and snowbirds<\/h1>\n\n\n\n<p class=\"has-text-align-center p-large\">Whether you need essential travel medical insurance or coverage for lost baggage, trip cancellation and interruption, and other unexpected events, we offer a wide range of affordable plans for mature travellers.<\/p>\n<\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout3 mar-t-dbl mob-mar-t-dbl\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__header is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-benefits-of-rbc-travel-insurance\">Benefits of RBC travel insurance<\/h2>\n\n\n\n<p class=\"p-large\"><span class=\"partial__border-bottom\">Here are just a few reasons to protect yourself with RBC travel insurance<\/span><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-col is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Airplane.svg);background-color:#EDF7FC\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-24-hour-worldwide-emergency-medical-and-travel-assistance\">24-hour worldwide emergency medical and travel assistance<\/h4>\n<\/div>\n\n\n\n<p>Caring, multi-lingual professionals, registered nurses and physicians are available around the clock to make sure you receive the proper help and care you need in case of a medical or other emergency.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-safe-transportation-to-the-closest-medical-facility\">Safe transportation to the closest medical facility<\/h4>\n<\/div>\n\n\n\n<p>If you need urgent treatment, we\u2019ll provide transportation to the most appropriate facility, even if it\u2019s in another country. We\u2019ll also pay to have a friend or family member travel to your bedside.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-unlimited-coverage-for-eligible-medical-expenses-1\">Unlimited coverage for eligible medical expenses<sup><a href=\"#legal-1\" data-dig-id=\"LP-15162-e2f4af2a\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1\" class=\"rbc-link-format\">1<\/a><\/sup><\/h4>\n<\/div>\n\n\n\n<p>If you become injured or ill during your trip, your policy will pay for any eligible medical expenses that aren\u2019t covered by your government health insurance.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-coverage-for-stable-pre-existing-conditions-2\">Coverage for stable pre-existing conditions<sup><a href=\"#legal-2\" data-dig-id=\"LP-15162-5ca5a7d2\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"2\" class=\"rbc-link-format\">2<\/a><\/sup><\/h4>\n<\/div>\n\n\n\n<p>You can travel knowing you\u2019re financially protected if you need emergency medical treatment during your trip.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-direct-payment-of-medical-bills-whenever-possible-3\">Direct payment of medical bills, whenever possible<sup><a href=\"#legal-3\" data-dig-id=\"LP-15162-9e47d013\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"3\" class=\"rbc-link-format\">3<\/a><\/sup><\/h4>\n<\/div>\n\n\n\n<p>We will also coordinate payments with your government health insurance so you aren\u2019t out-of-pocket for any costs.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h2>Frequently asked questions<\/h2><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleagcyxo64\" class=\"collapse-toggle collapsed\" data-target=\"#accordionagcyxo64\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15162-a7a3b6a2\" aria-controls=\"accordionagcyxo64\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Will my age affect my eligibility for travel insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Will my age affect my eligibility for travel insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionagcyxo64\" role=\"region\" aria-labelledby=\"accordion-titleagcyxo64\"><div class=\"collapse-inner\">\n<p>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.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlewku0o1my\" class=\"collapse-toggle collapsed\" data-target=\"#accordionwku0o1my\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15162-55ddb384\" aria-controls=\"accordionwku0o1my\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Will a pre-existing medical condition affect my travel insurance coverage?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Will a pre-existing medical condition affect my travel insurance coverage?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionwku0o1my\" role=\"region\" aria-labelledby=\"accordion-titlewku0o1my\"><div class=\"collapse-inner\">\n<p>Possibly. Depending on your age, medical condition and, if applicable, your answers to our health questions, pre-existing&nbsp;<a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/travel-insurance\/travel-insurance-terms\/#medical-condition\" target=\"_blank\" data-dig-id=\"LP-15162-4de47761\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"medical conditions\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">medical conditions<\/a>&nbsp;are covered if they are&nbsp;<a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/travel-insurance\/travel-insurance-terms\/#stable\" target=\"_blank\" data-dig-id=\"LP-15162-09ce3829\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"stable\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">stable<\/a>&nbsp;for a certain time period (as specified in your policy) before your policy&#8217;s effective date.<\/p>\n\n\n\n<p><strong>Note:<\/strong>&nbsp;Please refer to the policy document for complete coverage details regarding pre-existing conditions.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlesx8ddwtl\" class=\"collapse-toggle collapsed\" data-target=\"#accordionsx8ddwtl\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15162-35b6a4c8\" aria-controls=\"accordionsx8ddwtl\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What do I need to know about completing the health questions for travel insurance coverage?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What do I need to know about completing the health questions for travel insurance coverage?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionsx8ddwtl\" role=\"region\" aria-labelledby=\"accordion-titlesx8ddwtl\"><div class=\"collapse-inner\">\n<p>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.<\/p>\n\n\n\n<p>When answering the health questions:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Take your time. The questions may take up to 10 minutes to complete.<\/li>\n\n\n\n<li>You (the applicant) should complete and sign the Medical Questionnaire. (If&nbsp;you&nbsp;have someone else complete the&nbsp;Medical Questionnaire&nbsp;on&nbsp;your behalf,&nbsp;it is still&nbsp;your&nbsp;responsibility to make sure the answers to the questions are correct.)<\/li>\n\n\n\n<li>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.<\/li>\n\n\n\n<li>Have your prescriptions or a description of your medications nearby for reference.<\/li>\n\n\n\n<li>If you are unsure about any questions regarding your&nbsp;<a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/travel-insurance\/travel-insurance-terms\/#medical-condition\" target=\"_blank\" data-dig-id=\"LP-15162-5547b455\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"medical condition\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">medical condition<\/a>&nbsp;or medications, please speak to your physician.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleo4bbrs1n\" class=\"collapse-toggle collapsed\" data-target=\"#accordiono4bbrs1n\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15162-588f1dc8\" aria-controls=\"accordiono4bbrs1n\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Which travel insurance package or plan is right for me?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Which travel insurance package or plan is right for me?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiono4bbrs1n\" role=\"region\" aria-labelledby=\"accordion-titleo4bbrs1n\"><div class=\"collapse-inner\">\n<p>The right coverage for your trip depends on several factors, including (but not limited to) where you&#8217;re travelling to, how long you\u2019ll be gone, the kind of transportation you&#8217;ll be using and, in some instances, your overall health. View all of our&nbsp;<a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/travel-insurance\/\" data-dig-id=\"LP-15162-a0bdbce3\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"travel insurance products\" class=\"rbc-link-format\">travel insurance products<\/a>&nbsp;now.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlef44f0v90\" class=\"collapse-toggle collapsed\" data-target=\"#accordionf44f0v90\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15162-df1b6e15\" aria-controls=\"accordionf44f0v90\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Do I need travel medical insurance when travelling within Canada?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Do I need travel medical insurance when travelling within Canada?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionf44f0v90\" role=\"region\" aria-labelledby=\"accordion-titlef44f0v90\"><div class=\"collapse-inner\">\n<p>Yes, if you are travelling outside your home province or territory. There are several reasons why it&#8217;s important to get travel medical insurance when you&#8217;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.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title0q2081hb\" class=\"collapse-toggle collapsed\" data-target=\"#accordion0q2081hb\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15162-8243b34c\" aria-controls=\"accordion0q2081hb\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Why should I buy trip cancellation and interruption insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Why should I buy trip cancellation and interruption insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion0q2081hb\" role=\"region\" aria-labelledby=\"accordion-title0q2081hb\"><div class=\"collapse-inner\">\n<p>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\u2014if 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.<\/p>\n\n\n\n<p>With trip cancellation and interruption insurance, you&#8217;re protected when certain situations prevent you from travelling as planned. Examples include:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>You can&#8217;t travel due to an illness, job loss or immediate family member&#8217;s medical emergency<\/li>\n\n\n\n<li>You need to return home earlier than scheduled because of a family emergency or&nbsp;<a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/travel-insurance\/travel-insurance-terms\/#medical-condition\" target=\"_blank\" data-dig-id=\"LP-15162-f751d4ef\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"medical condition\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">medical condition<\/a><\/li>\n<\/ul>\n\n\n\n<p><strong>Note:<\/strong> 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.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__image\" style=\"background-color:#F7F8FA\">\n<div class=\"wp-block-columns cols is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-left is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-whatever-your-needs-we-can-help\">Whatever your needs, we can help.<\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">Make sure you have the right travel insurance or get help with a claim.<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/online.worldprotect.com\/cgi-bin\/weblinkca\/en\/travel-insurance.cgi?agency_code=RBCIDTO\" data-dig-id=\"LP-15162-a4c11644\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get my quote-https:\/\/online.worldprotect.com\/cgi-bin\/weblinkca\/en\/travel-insurance.cgi?agency_code=RBCIDTO \">Get my quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p>or<\/p>\n\n\n\n<p>Call <a href=\"tel:1-866-896-8172\" data-dig-id=\"LP-15162-3c881868\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1-866-896-8172\" class=\"rbc-link-format\">1-866-896-8172<\/a><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>For emergency medical and travel assistance<br><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/contact-us\/?activate=travel\" data-dig-id=\"LP-15154-e9a8d4c6\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"See emergency contact details\" class=\"rbc-link-format\">See emergency contact details<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column col-right is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"606\" height=\"573\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/travel-insurance-cta.webp?quality=80&amp;w=606\" alt=\"woman with her child in an airport\" class=\"wp-image-18132\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/travel-insurance-cta.webp 606w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/travel-insurance-cta.webp?resize=300,284 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/travel-insurance-cta.webp?resize=420,397 420w\" sizes=\"auto, (max-width: 606px) 100vw, 606px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-rbc-legal-collapsible disclaimer\" aria-label=\"Legal Disclaimers\"><div class=\"section-inner\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapseDisclaimer\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapseDisclaimer\" data-dig-id=\"LP-15162-a7247ca9\" data-dig-category=\"LP\" data-dig-action=\"legal close\" data-dig-label=\"legal close\" action-closed=\"legal close\" action-opened=\"legal open\" label-close=\"legal open\" label-open=\"legal close\"><span>View Legal Disclaimers<\/span><span>Hide Legal Disclaimers<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapseDisclaimer\"><div class=\"collapse-inner\"><div class=\"table-wpr\">\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-1\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>1<\/sup><\/div><div class=\"table-cell\">\n<p>This insurance plan is subject to a maximum benefit of $20,000 if you do not have valid government health insurance plan coverage in force for the full duration of your trip.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-2\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>2<\/sup><\/div><div class=\"table-cell\">\n<p>Any pre-existing condition(s) must be stable for a specific period of time before the effective date of your policy in order to be covered in the event of a claim. For insurance purposes, stable is defined as any medical condition or related condition (including any heart or lung condition) for which there have been:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>no new treatment, new medical management, or new prescribed medication; and<\/li>\n\n\n\n<li>no change in treatment, change in medical management, or change in medication; and<\/li>\n\n\n\n<li>no new symptom or finding, more frequent symptom or finding, or more severe symptom or finding experienced; and<\/li>\n\n\n\n<li>no new test results or test results showing a deterioration; and<\/li>\n\n\n\n<li>no investigations or future investigations initiated, or recommended for your symptoms; and<\/li>\n\n\n\n<li>no hospitalization or referral to a specialist (made or recommended).<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-3\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>3<\/sup><\/div><div class=\"table-cell\">\n<p>Whenever possible, we will arrange direct billing of eligible medical expenses covered under your insurance policy, which can help reduce your stress and hassle.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":196,"featured_media":0,"parent":15078,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/new-rbci-design.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-15162","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Travel Insurance for Seniors &amp; Snowbirds | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Senior or snowbird? 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