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24 Hour Worldwide Emergency Service

From emergency medical to travel assistance, we can help.

 

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Toll-Free
(Canada & U.S.)
 

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Collect From Anywhere
 

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Email Us

Note: If a medical emergency prevents you from calling before receiving treatment, we ask that you (or someone else on your behalf) call us at the earliest opportunity.

Get Help Before or During Your Trip

Contact us as soon as possible if you need to:

Emergency Medical and Travel Assistance

Travel the world knowing emergency travel and medical assistance is just a phone call away.

From medical referrals and physician consultations, to travel planning, we can help.

Note: If a medical emergency prevents you from calling before receiving treatment, we ask that you (or someone else on your behalf) call us at the earliest opportunity.

Assured Assistance Inc. (AAI) is the operating entity of RBC Insurance that provides our world-class emergency travel assistance. AAI supports millions of travellers and manages almost 400,000 calls every year.

  • Your toll-free call is answered by a live person, 24/7—no matter where you are in the world.
  • Registered nurses and consulting physicians are available around the clock to help arrange for your proper care.
  • AAI will arrange medical referrals and emergency medical transportation, monitor your care, act as your advocate, administer your insurance coverage and more.
  • AAI staff are multilingual—you will always have assistance in your own language, and, if you are in a foreign country and don’t speak the language, AAI will provide an interpreter to communicate with the professionals providing your care.
  • AAI has access to a worldwide network of health care providers. If your condition requires specialized treatment not available at a particular facility, AAI will arrange transportation to the closest facility that can provide the treatment.
  • If you are travelling with minor children and are hospitalized, AAI will arrange to provide a caregiver for your children. Or, if you are travelling alone and hospitalized, AAI will arrange to have a friend or family member join you.
  • AAI provides assistance with replacing lost or stolen medication, help with lost tickets or luggage, assistance with canceling lost credit cards, legal referrals, consulate and embassy contacts, and more.
  • AAI can quickly settle your claim—typically, claim payments are issued within 48 hours of receiving all required documentation.

To contact AAI, please call 1-800-387-2487 toll-free from the U.S. and Canada, or (905) 816-2561 collect from anywhere in the world.

Cancelled your trip

Call your travel agent, airline, tour operator or carrier to cancel your trip no later than one business day after the cause of cancellation–and then call us

1-800-263-8944 (Toll-free from Canada & U.S.)

Mon-Fri: 7:30 am-8:30 pm, Sat: 9 am-5 pm ET

Extend your coverage

Most of our plans let you extend your coverage (subject to certain conditions of your policy).

If you've purchased a single trip plan, the following conditions apply:

  • If you have not had a medical condition during your trip or while covered under your policy, you can request an extension before the expiry date of your original policy by calling us at 1-866-896-8172.
  • If you have had a medical condition during your trip and while covered under your policy, you must request the extension before the expiry date of your original policy by calling Assured Assistance Inc. (the RBC Insurance travel emergency assistance network) at 1-800-387-2487 toll-free from the U.S. and Canada, or (905) 816-2561 collect from anywhere in the world. Your extension is subject to the approval of Assured Assistance Inc.
  • You must pay the required additional premium before the expiry date of your original policy.
  • If we cannot extend your coverage due to the trip duration limits of your policy, you may be able to purchase a new policy from us.

If you've purchased a multi-trip annual plan, the following conditions apply:

You may purchase a top-up policy for the additional number of days beyond the duration covered by your multi-trip annual plan as follows:

  • Before your effective date, call us at 1-866-896-8172 to purchase top-up coverage.
  • After your effective date and if you have not had a medical condition during your trip, call us at 1-866-896-8172 before the expiry date of your original policy to purchase top-up coverage.
  • After your effective date and if you have had a medical condition during your trip, call Assured Assistance Inc. (the RBC Insurance travel emergency assistance network) before the expiry date of your original policy to request approval for and to purchase top-up coverage. Please call 1-800-387-2487 toll-free from the U.S. and Canada, or (905) 816-2561 collect from anywhere in the world.
  • The terms, conditions and exclusions of the new top-up policy apply to you.
  • You must pay the required top-up premium on or before the effective date of the top-up period.

Concierge Services

Need entertainment planning or assistance during your trip? Take advantage of our complimentary concierge services!

  • Travel information services: currency exchange rates, ATM locations, ground transportation, consulate and embassy locations, hotel reservations, baggage tracing, international driver's license information, customs information, details on country-to-country calling, and more
  • Entertainment planning: restaurant and golf course locations/reservations, spa reservations, tickets for events, yacht and fishing charter reservations, and more
  • Personal services: email/phone messaging to family and friends, floral services, legal/bail assistance, and more
Having the policy number handy when you call will help us give you faster service. If you can't find it, don't worry—we can still assist you.

Make a Travel Claim

Knowledgeable claims and service advisors are available to you.

Report a claim

Call us first to make a claim request

Medical and Travel emergency

Note: If a medical emergency prevents you from calling before receiving treatment, we ask that you (or someone else on your behalf) call us at the earliest opportunity.
Trip cancellation

Let us know you have cancelled your trip

Call your travel agent, airline, tour operator or carrier to cancel your trip no later than one business day after the cause of cancellation—and then call us.

1-800-263-8944 (Toll-free from Canada & U.S.)

Mon-Fri: 7:30 am-8:30 pm, Sat: 9 am-5 pm ET

How to Make a Claim

Complete the following steps to submit your claim:

  • Mail your completed and signed Claim and Authorization Form, along with all necessary documents outlined below, to:
    RBC Insurance Company of Canada
    P.O. Box 97, Station A
    Mississauga, Ontario L5A 2Y9
  • Complete the appropriate provincial health form, if applicable:

    Residents of British Columbia: Residents of Newfoundland and Labrador: Residents of Quebec:
  • Attach all original itemized bills and receipts to support your claim.
  • Attach any medical records you may have been given at the time of treatment. For hospitalization claims, we required a complete copy of your medical records from the treating facility.
  • For Multi-Trip Annual plans, attach proof of both departure from and return to your province of residence. The type of proof depends on whether you travelled via airline or car.
  • For hospitalization claims, we require a complete copy of your medical records from the treating facility.

Please note: Depending on the claim, we may request more information.

  • Call your travel agent, airline, tour operator or the carrier to cancel your trip (no later than one business day after the cause of cancellation).
  • Notify us by calling one of the numbers below:
    1-800-263-8944 (Toll-free from Canada or U.S.)
    (905) 816-2572 (Collect call from anywhere)
  • Mail your completed and signed Claim and Authorization Form, along with all necessary documents outlined below, to:
    RBC Insurance Company of Canada
    P.O. Box 97, Station A
    Mississauga, Ontario L5A 2Y9
  • If you are cancelling because you, an immediate family member or travel companion are sick or injured, you must have a Medical Certificate fully completed by the physician who treated the sick or injured person on the date of the cause of cancellation.
  • If the medical condition is for yourself or your spouse, you will also need to provide your family physician’s clinical notes from the 90 days prior to your insurance application date up to the present date.
  • Provide an itemized copy of your invoice, with a breakdown of the cost of your trip (i.e. airfare, hotels, taxes, service fees, other). You’ll need to provide proof of payment for each item.
  • Attach original unused airline ticket(s) and any other original travel documents. If you received a refund from your travel agent or travel supplier, you’ll need to provide a copy of the statement or refund.
  • If cancelling for non-medical reasons, you’ll need to provide substantiated evidence. This could be a copy of subpoena for court/jury duty, a letter from your employer, a report from your airline/cruise, or a death certificate.

  • Mail your completed and signed Claim and Authorization Form, along with all necessary documents outlined below, to:
    RBC Insurance Company of Canada
    P.O. Box 97, Station A
    Mississauga, Ontario L5A 2Y9
  • If your trip is interrupted because you, an immediate family member or travel companion are sick or injured, you must have a Medical Certificate fully completed by the treating physician at your travel destination. The physician who fills out the form must be the same one who treated the sick or injured person at your travel destination.
  • Provide an itemized copy of your invoice, with a breakdown of the cost of your trip (i.e. airfare, hotels, taxes, service fees, other). You’ll need to provide proof of payment for each item.
  • Attach original unused airline ticket(s) along with the new return tickets you purchased. If you paid a change fee, you’ll need to include the original receipts for this cost.
  • If the interruption is due to non-medical reasons, you’ll need to provide substantiated evidence. This could be a copy of subpoena for court/jury duty, a letter from your employer, a report from your airline/cruise, or a death certificate.
  • If you have additional expenses as a result of one of the insured risks, you’ll need to provide original receipts for all additional costs such as hotel accommodations, meals, essential telephone calls, or taxi fares.

RBC Royal Bank® Credit Card – Travel Accident Insurance Designation of Beneficiary

If you have an RBC Royal Bank credit card that includes travel accident insurance, you can use this form to designate a beneficiary or change a previously designated beneficiary.

If you previously designated a beneficiary, you will need to update that designation with the new insurer, RBC Insurance Company of Canada, for trips purchased on your applicable card on June 1, 2013 and afterwards. Any designation of beneficiary made prior to this date is valid with the current insurer for trips purchased on your applicable card until midnight on May 31, 2013. Your designation of a beneficiary is not mandatory. Payment will be made to your estate in the case of a claim where the beneficiary has not been designated.

Designation of Beneficiary Form

This form is an editable PDF form compatible with the latest version of Adobe Reader. To complete the form online, first save it to your computer and then open it using a compatible PDF viewer. Type your information into the form fields and print 2 copies of your completed form. Return one signed copy to RBC Insurance Company of Canada. Keep the other copy for your records.

Note: Forms are provided in Adobe PDF format. A recent version of Adobe Reader or Adobe Acrobat may be required to open, read and print a form on your system. You can install the latest version of Adobe Reader.

Check a claim's status or get help with a claim

Call us to check a claim's status or get help with a form.

Download Forms

Select the form required for the type of claim you are making. Full instructions and mailing addresses are found within the tabs above.

Residents of Alberta, Manitoba, New Brunswick, Northwest Territories, Nova Scotia, Nunavut, Ontario, Prince Edward Island, Saskatchewan, or the Yukon

Residents of British Columbia

Residents of Newfoundland and Labrador

Residents of Québec

Travel Advisories and Weather Alerts

Before you pack your bags, make sure it's safe to visit your destination

Weather Alerts

It’s important to confirm your travel arrangements and monitor weather conditions before departing on your trip. Airlines frequently allow changes to travel plans without a change fee. We suggest contacting your airline before heading to the airport to learn about potential delays and rescheduling options.

We offer coverage that helps protect you against carrier delays, missed connections and problems getting to the airport on time.  However, you must purchase trip cancellation and interruption insurance (in a travel insurance package or stand-alone) prior to the time that a severe storm warning or watch is issued. Once a severe weather warning or watch has been forecasted, trip cancellation and interruption losses resulting from the storm are excluded from your coverage.

Claims and Emergencies FAQs

Have a question about making a claim or getting help during a travel emergency? Get the answers you need here.

If you have trip cancellation and interruption insurance and the emergency is covered, it will help pay for your expenses to return home. There are a number of circumstances that qualify as an emergency (for example, the death or serious illness of a family member). These circumstances, as well as terms and conditions, are described in the policy document.

Trip cancellation and interruption insurance also reimburses you for any cancellation penalties that a travel provider might charge (if you cancel a non-refundable airline ticket, for example).

Remember, in order to be reimbursed, you must call Assured Assistance Inc. (AAI). You can call AAI toll-free 24 hours a day, 7 days a week at 1-800-387-2487 from the U.S. and Canada or (905) 816-2561 collect from anywhere in the world.

Yes, as soon as medically possible. There are several reasons to call the emergency contact number first:

  • The multilingual representatives of Assured Assistance Inc. (AAI) are experienced experts in coordinating emergency care for travellers in foreign lands—managing more than 400,000 calls per year.
  • They understand your coverage, because AAI is an operating entity of RBC Insurance®.
  • They're available 24 hours a day, seven days a week.
  • If you don't call Assured Assistance Inc. first, your benefits may be reduced and your coverage may be limited. As stated in your policy, if you do not contact AAI at the time of your medical emergency or you choose to receive treatment from a medical service provider outside the AAI network, you will be responsible for 30% of your medical expenses covered under your insurance and in excess of your medical expenses paid by your government health plan. You can call AAI toll-free 24 hours a day, 7 days a week at 1-800-387-2487 from the U.S. and Canada or (905) 816-2561 collect from anywhere in the world.

Of course, obtaining urgent care in an emergency is your #1 priority—and we're here to help at our toll-free emergency contact number. However, if your medical condition prevents you from calling before seeking emergency treatment, then you must call as soon as medically possible.

Someone else (a family member, friend, hospital or physician's office staff, etc.) may call on your behalf–so it's a very good idea to carry your RBC Insurance travel insurance wallet card with you at all times.

We want to do all we can to help you if you have an emergency—starting with reducing your stress level. If you need us, just call us toll-free.

It's our goal to settle every claim as quickly as possible. While every claim is different, there are things you can do to speed things up:

  • If you require emergency care on your trip, call our emergency contact number immediately, or at the earliest possible opportunity (someone else can call if you're unable to). If you do not, your coverage may be limited and your benefits could be reduced.
  • If you need to cancel your trip prior to departing, call your travel agency, airline, tour company or the carrier immediately to cancel your trip no later than one business day after the cause of cancelation. Call us the same day.
  • For all claims, carefully read the instructions for submitting your claim. Make sure you fully complete any required claims forms and submit all required documentation at your earliest possible convenience. For example, you may need to provide us with information on your past health history if you are submitting an emergency medical claim or a trip cancellation claim due to a medical condition.

The multilingual representatives of Assured Assistance Inc. (AAI), the RBC Insurance travel emergency assistance network, are ready 24 hours a day, seven days a week when you have a medical emergency. You can rely on them to refer you or (when medically appropriate) transfer you to one of the accredited medical service providers within the AAI network, so you can receive the care you need as quickly as possible.

Because our representatives are multilingual and have 24-hour access to real-time translation services, we can provide the help you need in your own language—and also have someone to communicate on your behalf with medical personnel who may speak a different language.

Whenever possible, AAI will also request for the medical service provider within the network to bill the covered medical expenses directly to us instead of you—reducing stress and hassle.

We will pay your eligible medical bills directly to the medical provider or hospital for you whenever possible.

No matter where in the world you are, we’ll be here for you. If you have an emergency, you can call Assured Assistance Inc. (AAI) toll-free 24 hours a day, 7 days a week at 1-800-387-2487 from the U.S. and Canada or (905) 816-2561 collect from anywhere in the world.

The multilingual representatives of AAI are experienced experts in coordinating emergency care for travellers in foreign lands, managing more than 400,000 calls per year.

The documentation you need to provide will depend on the type of claim, the type of plan you purchased and the province/territory in which you live.