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Coverage Options Designed For You

Disability Insurance

Help protect your income and lifestyle in case you’re unable to work due to injury or illness.

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Critical Illness Insurance

Receive a one-time payment and gain access to recovery resources if you develop a serious illness.

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Hospital Insurance

Get a daily benefit amount to help cover out of pocket expenses you may have while being in hospital.

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Protection From the Unexpected

Understanding the importance of Injury & Illness Insurance Coverages.

What are Injury & Illness Insurance Coverages?

RBC Injury & Illness Insurance Coverage is a reliable way to protect yourself and your loved ones if you become ill or injured. Coverage can support financial stability and provide access to recovery resources to help you cope during a challenging time.

Disability Insurance pays a monthly benefit that replaces a portion of your regular pay if you can’t work due to injury or illness.

Critical Illness Insurance provides a one-time payment if you’re diagnosed with one of the illnesses covered by the policy, such as cancer, a heart attack or a stroke.

Hospital Insurance will pay a daily benefit for each day you are in hospital to help you cover out of pocket expenses.

Why Do I Need Injury & Illness Insurance Coverage?

You can’t predict the future, but you can plan for it. Injury & Illness Insurance Coverage lets you focus on your health, not your finances.

Protection against the unexpected. Getting sick or injured might mean you can't work, but it doesn't have to wipe out your savings.

Support when you need it most. Injury & Illness Insurance Coverage can help protect your income and lifestyle throughout your life.

How Does It Work?

Choose an insurance plan that’s right for you.

  • RBC Insurance offers affordable options to fit your budget, with plans starting as low as $10.50 per month.
  • RBC Insurance Advisors are available to help you determine what is right for you.

File a claim if you become injured or ill.

  • Dealing with a health issue can be stressful. Let our RBC Insurance Claims Specialists help you through the process.

Receive your benefit payments.

  • RBC Insurance provides financial payments and recovery resources based on your coverage.

Insurance You Can Rely On

Professional Advice

Get trusted guidance from a licensed advisor who will help you make the best choice.

Outstanding Claims Support

Exceptional in-house claims team that will support you through stressful times.

Medical Specialists

Faster access to medical specialists to help diagnose and treat your health condition.

Tools and Tips to Get The Most Out of Your Coverage

Get quotes, compare plans and find tips to understand your insurance options and find the coverage that’s right for you.

The Five Big Questions You Need to Ask About Your Workplace Disability Insurance Coverage

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Disability Insurance Calculator

Answer a couple questions and we'll recommend the right amount of coverage.

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Critical Illness Insurance Calculator

Estimate how much critical illness insurance coverage you might need to protect yourself.

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Frequently Asked Questions

Injury & Illness Insurance Coverage helps protect your lifestyle when unexpected health challenges happen.

Disability insurance provides you with a monthly payment if you become ill or injured and can’t work.

Critical illness insurance pays you an agreed benefit amount if you are diagnosed with a covered serious illness. The money can be used in any way you choose to help you get through this difficult time.

Hospital insurance pays a daily benefit for each day you are in hospital to help you cover out of pocket expenses such as parking, meals or accommodations for loved ones so they can be with you, child or pet care expenses, etc.

Provincial health care can cover many medical expenses such as hospital visits, doctor and nursing services, diagnostic tests like blood tests and x-rays, ward room hospital accommodation and meals and medications while you are in hospital. But if you become ill or injured there are many expenses that provincial health care doesn’t cover.

Workplace benefit plans may cover some of these expenses, such as prescription drugs and rehabilitation services. Workplace benefit plans may also include critical illness or disability insurance. These plans provide great base protection and Injury & Illness Insurance Coverage can fill the gap to make sure you stay financially stable if you become ill or injured.

Personal Injury & Illness Insurance Coverage provides additional protection if you need more than your workplace benefit plan provides and it stays with you when you change jobs. Your next employer may not offer the same benefits as you currently have or may delay the start of benefits and the cost of insurance increases and may be more difficult to get as you get older.

RBC Insurance offers affordable options to fit your budget, with Injury & Illness Insurance Coverages starting as low as $10.50 per month. RBC Insurance Advisors are available to help you determine what is right for you.

Our exceptional in-house claims team will support you if you need to make a claim.

Whatever Your Needs, We Can Help

Speak with an RBC Insurance Advisor: 1-888-821-9440 or Have an Advisor Call Me

Want to meet in person? Find an Advisor or Store

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For injury-only coverage. Plus sales tax where applicable. Subject to underwriting where applicable.