What does the insurance of my Visa Platinum RBC card cover?

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Victor
Victor
Credit card insurance expert @Hellosafe
The RBC Visa Platinum offers comprehensive insurance coverage across several categories.
Travel insurance
Mountain stay
Car rental
For travel abroad, the card includes Travel Accident Insurance of up to $500,000 CAD, providing financial protection in case of accidental death or dismemberment while traveling on a licensed common carrier, such as planes, trains, or buses. This ensures peace of mind for travelers during transit. However, the card does not include emergency medical insurance, trip cancellation, or interruption coverage, which may require users to seek additional insurance for full protection during international travel.
For winter sports enthusiasts, the card does not provide specific coverage for snow or mountain activities such as skiing or snowboarding. While the Travel Accident Insurance may indirectly support emergencies related to travel to winter destinations, it does not cover injuries or incidents on the slopes. Travelers engaging in winter sports should consider supplemental insurance for comprehensive protection.
When it comes to car rentals, the card includes Auto Rental Collision/Loss Damage Waiver Insurance, which covers theft or damage to rental vehicles up to their actual cash value. This benefit applies for rental periods of up to 48 days, provided the cardholder declines the rental agency's collision damage waiver and charges the full rental amount to the card. While this coverage eliminates the need for additional insurance from rental companies, it does not include third-party liability or personal injury coverage, which users may need to secure separately.

Travel Insurance Card Visa Platinum RBC

Before the trip
Benefit
Coverage
Recommendation
During the trip
Benefit
Coverage
Recommendation
On site
Benefit
Coverage
Recommendation

Car Rental Insurance Card Visa Platinum RBC

Rental car
Benefit
Coverage
Recommendation

Content Insurance Card Visa Platinum RBC

Content
Benefit
Coverage
Recommendation
See all the guarantees and assistance

FAQ - RBC Visa Platinum

faq

How can I contact customer support?

To contact support, call Assured Assistance at 1-800-533-2778 toll-free from the US & Canada or 905-816-2581 collect from anywhere in the world.

How do I report a claim?

To report a claim, contact Assured Assistance at 1-800-533-2778 toll-free or 905-816-2581 collect within 30 days of the incident. Required documents include claim forms, purchase receipts, and RBC Visa statements showing payment.

Who is insured?

The insured includes the applicant, their spouse, dependent children, and additional cardholders, all of whom must be permanent residents of Canada.

How can I obtain an insurance certificate?

You can request an insurance certificate by contacting Assured Assistance at 1-800-533-2778 toll-free or 905-816-2581 collect.

For which sports activities am I not insured?

Activities excluded include professional sports, scuba diving without certification, motorized racing, parachuting, and high-risk mountaineering.

From when am I covered, and for how long?

Coverage starts when the trip or purchase is fully paid with the RBC Royal Bank Visa Platinum card and/or Avion points and ends upon cancellation, delinquency, or termination of the account.

In which countries am I covered? Am I covered worldwide?

Yes, worldwide coverage is provided, subject to policy terms and exclusions.

To benefit from the coverage, does the trip need to be paid in full with the card?

Yes, the trip must be fully paid with the RBC Visa Platinum card or a combination of the card and RBC Rewards points to be eligible for coverage.

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