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Don’t let the unexpected spoil your clients’ travel plans this holiday season

With the holiday season quickly approaching, Americans everywhere will be on the move, visiting friends and family at home and abroad. No one takes a trip assuming the worst, but should the unexpected happen, it’s good to know that your clients will be taken care of.

Q: Does RBC Insurance^® cover airline mechanical delays?

A: Airline mechanical delays are typically not covered under any US travel insurance policies, but may be compensated by the airline to varying degrees, depending on the carrier.

Among the 38 delays and cancellation risks covered by RBC Insurance are:

• Trip delay (Due to strikes, natural disasters or weather conditions)
• Delay of a private automobile (Due to mechanical failure, weather conditions, a traffic accident or police-directed road closures)
• Cruise cancellation (Due to mechanical failure, grounding, quarantine or repositioning due to weather)
• Missed connection (Due to an airline carrier schedule change — including a change due to mechanical failure)

Q: If a cruise is missed because it was repositioned due to weather, will my client be covered?

A: Yes, RBC Travel Protection^® provides coverage if the cruise is cancelled prior to the departure from the departure point. Clients are also covered for cruise cancellation after leaving the departure point, and prior to boarding the ship. Coverage is provided for cruise cancellations resulting from mechanical failure, grounding or quarantine of the cruise ship, or repositioning due to weather.

Q: Does my client have the option to cancel a trip outright if my client is at the airport and all flights are grounded due to bad weather?

A: Yes, we offer coverage for the non-refundable portion of the pre-paid travel arrangements up to the sum insured, if the trip is delayed due to complete cessation of services by an airline, tour operator, wholesaler or cruise line, that forms part of the client’s trip, for a period of at least sixconsecutive hours.

Q: What is a ‘schedule change’?

A: The definition of a schedule change is: The later departure of an airline carrier causing you to miss your next connecting flight via another airline carrier (or connecting cruise ship, bus or train), or the earlier departure of an airline carrier rendering unusable the ticket you have purchased for your prior connector flight via another airline carrier (or connecting cruise ship, bus or train).

Schedule change does not mean a change resulting from a supplier default, strike or a labor disruption.

Q: Under the schedule change benefit, what would RBC Insurance consider ‘missing a connection’?

A: When the airline the client is booked to fly changes flight time, causing him/her to miss their next flight, cruise ship connection, bus or train etc.

Got a question? Just ask

If you have a question about RBC Travel Protection, insurance in general or anything industry-related contact us:

Phone: 1-866-307-5757 (toll-free)
Monday – Friday: 8:00 a.m. – 8:00 p.m. (ET)
Saturday: 9:30 a.m. – 5:00 p.m.
Sunday: 10:00 a.m. – 4:00 p.m. 
email: rbctravelprotection@rbc.com

Frequently asked questions are provided for informational purposes only. Coverage is governed by the terms and conditions of the Travel Insurance Policy. Please refer to the policy for complete coverage information. This publication is provided for general information only. While the information it contains is believed to be correct at the time of publication, RBC Insurance does not guarantee its accuracy, currency or reliability.

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