Coverage for the widest range of unexpected travel situations.View Packages
Coverage to fill the gap left by my provincial health insurance.View Plans
Coverage for non-refundable trip expenses if my trip is cancelled or interrupted.View Plans
“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.
"Thank you for the excellent service I received on my trip." - K.W.
“I would not have known what to do without AAI's* assistance.” – D.B.
(*Assured Assistance Inc. (AAI) is the RBC Insurance travel emergency assistance network.)
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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:
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.
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 Assured Assistance Inc. (AAI), the RBC Insurance travel emergency assistance network.
Managing over 400,000 calls every year, our representatives are here for you 24/7 and are highly experienced in coordinating emergency care for travellers in foreign countries.
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 your stress and hassle.
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:
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:
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:
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:
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.