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Coverage for the widest range of unexpected travel situations.View Packages
Coverage to fill the gap left by my provincial health insurance.View Plans
Trip Cancellation and Interruption
Trip Cancellation and Interruption
Coverage for non-refundable and/or non-transferable trip expenses if my trip is cancelled or interrupted.View Plans
Reasons to love RBC Travel Insurance
- 24/7 worldwide emergency medical assistance
- Multilingual assistance from caring professionals
Kind Words from Our Customers
“Never in my life have I dealt with a group of people so respectful and kind. I have been telling everyone how wonderful RBC travel is." - K.R.
Kind Words from Our Customers
"Thank you for the excellent service I received on my trip." - K.W.
Travel together. Save together.
Travelling with a group of 10 or more? Save with a group discount and enjoy all the benefits of RBC® Travel Insurance.
Travel Insurance FAQs
Have a question about travel insurance? Get the answers you need here.
Our goal is to make affordable travel insurance coverage available to as many Canadians as possible. In general, any Canadian resident can purchase some form of coverage with us. Factors such as where you are travelling, your health and the length of your trip may affect the specific coverage(s) available to you.
Note: Non-residents travelling to Canada, immigrants to Canada or foreign students studying in Canada may be eligible to purchase one of our Visitors to Canada Plans.
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.
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.
When answering the health questions:
- Take your time. The questions may take up to 10 minutes to complete.
- You (the applicant) should complete and sign the Medical Questionnaire. (If you have someone else complete the Medical Questionnaire on your behalf, it is still your responsibility to make sure the answers to the questions are correct.)
- 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.
- Have your prescriptions or a description of your medications nearby for reference.
- If you are unsure about any questions regarding your medical condition or medications, please speak to your physician.
If necessary, a family member or close friend can complete the questions on your behalf. Please keep in mind, however, that it is still your responsibility to sign the form and make sure the answers are correct.
Yes, it is recommended that you buy coverage for your spouse as well.
This answer depends largely on your child's age.
- If your child is under 2 years old and you are purchasing the Deluxe Package or a TravelCare® Package, then your child receives emergency medical coverage at no extra cost.
- If your child is 2 or older, you'll need to purchase emergency medical coverage for him or her.
- No matter how old your child is, if you've purchased an airline ticket or made a separate trip deposit for him or her, consider buying a travel insurance package or trip cancellation and interruption insurance.
The right coverage for your trip depends on several factors, including (but not limited to) where you're travelling to, how long you’ll be gone, the kind of transportation you'll be using and, in some instances, your overall health. View all of our travel insurance products now.
An accident, illness or medical emergency can happen anywhere, anytime. If you need medical care or treatment in another country, your government health plan may cover only a portion of the costs. Travel insurance starts where these plans leave off.
Plus, with our emergency medical coverage, you have access to the multilingual representatives of Allianz Global Assistance.
Yes, if you are travelling outside your home province or territory. There are several reasons why it's important to get travel medical insurance when you'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.
We recommend that you carefully review your government health plan coverage. Government plans may not cover all emergency medical expenses once you leave your home province/territory and typically cover only a limited portion once you leave the country. In fact, the Canadian Government (Foreign Affairs, Trade and Development Canada) urges Canadians to purchase supplemental health insurance when leaving the country. They say:
Do not rely on your provincial or territorial health plan to cover costs if you get sick or are injured while abroad. Out-of-country health care can be costly, and your health plan may not cover any medical expenses abroad. It is your responsibility to seek information from your provincial or territorial health authority and to obtain supplementary travel insurance and understand the terms of your policy.2
Plus, government health insurance plans don't guarantee coverage for special care (air ambulance or emergency dental services, for instance).
Unlike government health insurance plans, our insurance offers you:
- Unlimited coverage for eligible medical expenses1
- Up-front payment of eligible medical expenses whenever possible
- 24-hour, multilingual emergency medical assistance—one toll-free phone call puts you in touch with a multilingual professional who will refer you to a local doctor or facility in order for you to receive the care you need
Government health insurance plans also don't provide coverage for situations such as lost, damaged or delayed baggage or trip cancellation and interruption. Our travel insurance can provide these coverages and more.
You must purchase coverage before departing on your trip. You may benefit from purchasing coverage as soon as you make your initial trip deposit, especially if you are purchasing trip cancellation and interruption insurance—either as stand-alone coverage or as part of one of our insurance packages.
If you were to book your trip 6 months in advance, consider the unexpected situations that could occur in that time.
If you purchase travel insurance from RBC Insurance, we will pay the eligible bills directly to the hospital or physician whenever possible.
There are a number of sports that are not covered during your trip. For more details, see the Exclusions section of the individual policy document.
You may purchase a top-up policy for the extra number of days beyond the duration covered by your multi-trip annual plan. Here are the conditions:
- Before your effective date, you may contact 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, you must contact us at 1-866-896-8172 before your original policy’s expiry date to purchase top-up coverage.
- After your effective date and if you have had a medical condition during your trip, you must contact Allianz Global Assistance before your original policy’s expiry date to request approval for and purchase top-up coverage.
- 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.
If you do NOT top-up your coverage for a trip, you will not be covered for any claims you make outside the period of insurance for that trip. If the top-up policy you are purchasing requires you to complete health questions, you must complete the health questions.
Please see the policy document for complete coverage details regarding top-up coverage.
If you purchase one of our travel medical insurance plans—either Classic Medical or TravelCare® Medical—you can, subject to certain conditions:
- If you are travelling for more than 183 days, you may purchase single trip coverage for up to 365 days provided that you are covered under your government health plan for the full duration of your trip.
- If you are 40-74 years of age, you must also answer a few health questions, which will determine whether you are eligible to purchase coverage for trips beyond 183 days.
Yes, if you are travelling with your spouse/partner and children or other family members, you could save money with our family plan pricing.
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—if 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.
With trip cancellation and interruption insurance, you're protected when certain situations prevent you from travelling as planned. Examples include:
- You can't travel due to an illness, job loss or immediate family member's medical emergency
- You need to return home earlier than scheduled because of a family emergency or medical condition
Note: 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.
Yes! Tell them about our Visitors to Canada Plans, which offer affordable emergency medical protection to visitors, immigrants, foreign students and Canadians without government health plan coverage.
We strongly recommend you do. Your insurance policy is a valuable source of information and contains provisions that may limit or exclude coverage. Please read it before you go, keep it in a safe place and carry it with you when you travel.