Is RBC Travel Insurance Good? (Updated 2024 Review)

Travel insurance, though not mandatory for all destinations, is very important. It protects you against various risks during a trip, such as cancellations, lost luggage, theft, and illness. RBC Travel Insurance offers coverage to ensure you travel without worries and are covered for all travel-related issues.

So, how good is RBC Travel Insurance? What does it cover? Is there RBC travel insurance for seniors? What does it cost? What does RBC Avion Visa cover for travel insurance? Find answers to all this in our comprehensive review.

Our RBC Travel Insurance Review 2024

RBC travel insurance, both through its credit cards and stand-alone travel insurance plans, offers a comprehensive range of coverages tailored to the needs of Canadian travellers. It provides emergency medical care up to $5 million, which is competitive compared to offerings from major companies like Blue Cross Travel Insurance.

It offers a range of plans to suit every need. The Deluxe Package offers comprehensive coverage, including medical, trip cancellation, and baggage insurance. For those focusing on health, the TravelCare® Medical Plan provides extensive emergency medical coverage. And if you're travelling within Canada, the Travel Within Canada Package ensures you’re protected.

In addition to medical coverage, RBC includes baggage protection with a limit of up to $2,000, and trip cancellation and interruption coverage up to $10,000. This offers a notable advantage compared to some competitors like Desjardins travel insurance, which caps at $2,500.

Furthermore, RBC offers specific coverage for emergency dental care, travel accidents up to $50,000, and medical expenses related to COVID-19, ensuring comprehensive protection for various emergencies.

RBC stands out with its easy online application, allowing insured individuals to choose and manage their coverage with just a few clicks. RBC’s travel assistance is available 24/7, providing continuous support to travellers worldwide. Additionally, RBC offers extra benefits like assistance for replacing identity documents and access to medical specialists via telemedicine. These services are particularly useful for international travellers who may encounter medical or administrative difficulties.

In summary, RBC travel insurance offers comprehensive coverage, 24/7 assistance, and practical services like telemedicine and document replacement. It is particularly suited for families, retirees, and frequent travellers seeking robust protection and additional services for their international trips. However, we recommend that you compare the best travel insurance policies using our free tool below. You get instant quotes online.

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What does RBC travel insurance cover?

RBC travel insurance offers several very interesting coverages to ensure your trip from start to finish, detailed for you below.

RBC Travel Insurance Plans - Medical and Non-medical coverage

RBC offers travel insurance packages that provide extensive coverage for a wide range of unexpected travel and emergency medical situations. Here are the four types of plans available:

1. Deluxe Plan: Ideal for travellers aged 0-74 seeking comprehensive coverage for trips outside Canada, including extensive medical benefits and trip interruption insurance.
2. TravelCare® Plan: Designed for seniors aged 75+ who need emergency medical coverage and additional benefits for trips outside Canada.
3. Travel Within Canada Plan: Suitable for travellers of all ages planning trips within Canada, offering comprehensive medical and travel interruption coverage.
4. Non-Medical Plan: Best for travellers of all ages who need coverage for trip cancellation, interruption, and baggage loss but do not require medical coverage.

Here is a table highlighting the key coverages for travel insurance plans from RBC.

Coverage Options	Deluxe	TravelCare®	Travel Within Canada	Non-Medical
Ages Eligible	0-74	75+	All ages	All ages
Medical Questions	No	Yes (based on age for a single trip)	No	No
Stable Pre-existing Conditions Covered		Depends
For Destinations	Outside Canada	Outside Canada	Within Canada	Outside Canada
Maximum Single Trip Length (# of Days)	183 (60 for age 60+)	60	365	365
Multi-Trip Coverage Available
Trip Cancellation - Before Departure
Trip Interruption - After Departure
Medical and Other Benefits	Unlimited	Unlimited	Unlimited
24-Hour Multilingual Emergency Medical Assistance				N/A
Baggage & Personal Effects Insurance	$1,000	$1,000	$1,000	$1,000
Flight Accident Insurance	$100,000	$100,000	$100,000	$100,000
Travel Accident Insurance	$50,000	$50,000	$50,000	$50,000

Travel Medical Insurance

RBC offers travel medical insurance plans that bridge the gap left by your provincial health insurance. It offers three kinds of travel health insurance.

Coverage Options	Classic Medical Plan	TravelCare® Medical Plan	4-Day Getaway Multi-Trip Annual Medical Plan
Ages Eligible	0-64	65+	0-74
Medical Questions	No	Yes	No
Stable Pre-existing Conditions Covered		Depends
For Destinations	Outside home province/territory	Outside home province/territory	Outside home province/territory
Emergency Medical Insurance
Eligible Emergency Medical Expenses	Unlimited	Unlimited	Unlimited
24-Hour Multilingual Emergency Medical Assistance
Other Expenses Covered (Out of Pocket Expenses)	$1,750	$1,750	$1,750
Single & Multi-Trip Options
Maximum Single Trip Length (# of Days)	183	183	N/A
Multi-Trip Coverage Available
Multi-Trip Plan - Trip Duration Options (Consecutive Days)	9, 16, 30 or 60	9, 16, 30 or 60	4

Trip Cancellation and Interruption Insurance

RBC Trip Cancellation and Interruption Insurance provides coverage for a variety of unforeseen events that might disrupt your travel plans. Here's a detailed look at the coverage offered:

Coverage	Details
Trip Cancellation	Up to the maximum covered amount before departure
Trip Interruption	Economy class transportation, unused pre-paid travel arrangements
Transportation Delay	Up to $350 for accommodations, meals, and other expenses
Emergency Assistance	24/7 access to emergency assistance services
Repatriation of Remains	Up to $5,000 for transportation and preparation in case of death during the trip

RBC travel insurance for visitors to Canada

Are you a visitor and in Canada for less than a year? RBC travel insurance offers you essential coverage during your stay. There are three different plans available to you. Here's a table on the RBC travel insurance for visitors to Canada coverage options.

Plan	Age Eligibility	Coverage	Deductible (per claim)	Additional Benefits
Visitors Plan I	1 month to 84 years	Emergency medical/dental expenses up to $25,000	$50	24/7 travel assistance
Visitors Plan II	1 month to 84 years	Emergency medical/dental expenses up to $50,000	$50	24/7 travel assistance
Visitors Plan III	1 month to 69 years	Emergency medical/dental expenses up to $150,000	$50	24/7 travel assistance

RBC Credit Card Travel Insurance: What is the coverage offered by RBC credit cards?

RBC offers travel insurance coverage through its credit cards, primarily focusing on comprehensive benefits for various travel-related risks. Here are the details of the travel insurance coverage provided by RBC credit cards in Canada:

What does RBC Avion Visa cover for travel insurance?

RBC Avion Visa Infinite Privilege

• Emergency Medical Insurance: Up to $1,000,000 coverage for emergency medical expenses.
• Trip Cancellation and Interruption: Coverage for non-refundable travel expenses up to $2,500 per person.
• Flight Delay Insurance: Up to $500 per person for expenses incurred due to flight delays of more than 4 hours.
• Baggage Insurance: Coverage for lost or delayed baggage up to $1,000 per person.

Avion Visa Infinite

• Emergency Medical Insurance: Up to $1,000,000 coverage for emergency medical expenses.
• Trip Cancellation and Interruption Insurance: Up to $5,000 per person for cancellations and interruptions.
• Flight and Baggage Delay Insurance: Up to $500 for flight delays over 4 hours and up to $500 for baggage delays over 6 hours.
• Travel Accident Insurance: Coverage up to $500,000 for accidents occurring during travel.

Rewards Visa Preferred

• Trip Interruption Insurance: Up to $5,000 per person for financial protection due to trip interruptions.
• Travel Accident Insurance: Coverage up to $500,000 in case of accidents during travel.
• Rental Car Collision/Loss Damage Insurance: Up to the full value of the rental car for collision or loss damage.

RBC Cathay Pacific Visa Platinum

• Emergency Medical Insurance: Up to $500,000 emergency medical coverage for international trips.
• Trip Cancellation and Interruption Insurance: Up to $2,500 per person for trip-related financial losses.
• Flight and Baggage Delay Insurance: Up to $500 for flight delays over 4 hours and up to $500 for baggage delays over 6 hours.

What is RBC WestJet Mastercard travel insurance coverage?

The RBC WestJet Mastercard travel insurance provides $500,000 accident coverage when you're travelling. It also includes a hotel/motel burglary coverage of $2,500 per incident.

It also includes emergency purchase insurance to cover you during unexpected incidents by up to $500. Flight Delay Insurance of $250 per day per covered person is also included.

There is also emergency medical insurance coverage for the first 15 consecutive days of your trip if you are under 65. For those above the age of 65, the coverage is for 3 days. RBC travel insurance reviews are positive for the coverage offered on the credit cards.

How much does RBC travel insurance cost?

The price of RBC travel insurance depends on the package you choose. Opting for an all-inclusive package will be more expensive than purchasing cancellation and interruption insurance alone. Additionally, single-trip insurance and multi-trip insurance will have different costs.

Here is an example price table for RBC travel insurance:

Profile	Non-refundable expenses	Recommended Package	Price
2-week trip to an exotic destination in summer for 2 travellers	$400	Deluxe Package	$222
1-month trip to Europe in the fall for 2 young retirees	$300	Deluxe Package	$684
2-week cruise in Greece in May for a 67-year-old traveller with no medical history	$200	Deluxe Package	$179

Is there RBC travel insurance for seniors?

Yes, RBC offers travel insurance plans designed such that they cater to the specific needs of senior travellers, ensuring comprehensive coverage and peace of mind. These packages include provisions for pre-existing conditions and offer various benefits through RBC credit cards tailored for older travellers.

• Emergency Medical Coverage
• Pre-existing Conditions: Coverage is available for stable pre-existing conditions, ensuring that seniors with ongoing health issues can still be protected.
• Direct Payment: Immediate payment for emergency medical bills to reduce out-of-pocket expenses.
• 24/7 Assistance: Access to worldwide emergency medical assistance at any time.
• Credit Card Benefits: RBC credit cards offer up to $1,000,000 in emergency medical insurance for trips up to 15 days for travellers aged 65 and older, covering hospital stays, doctor fees, and ambulance services.

RBC travel insurance pre-existing conditions coverage

Pre-existing condition coverage is particularly helpful for seniors as it allows for medical conditions that have been stable for a certain period to be covered under the insurance plan. This means that if a senior has a chronic condition that hasn't changed or requires treatment for a specified duration, they can still receive coverage for related medical expenses during their travels.

Important Considerations

• Medical Questionnaire: Higher-tier plans might require a detailed medical questionnaire to assess the risk and determine eligibility.
• Doctor’s Clearance: Some plans may require a doctor’s note certifying the stability of your condition.
• Age Restrictions: Coverage details and exclusions can vary based on age, with stricter conditions for much older travellers.

Does RBC travel insurance cover COVID-19 issues?

RBC travel insurance COVID coverage is available under its travel coverage plans. It provides emergency medical coverage for medical expenses related to COVID-19, as long as there are no travel-ban advisories issued by the Canadian government on the day you depart on your trip.

Regarding trip cancellation or interruption benefits related to COVID-19, RBC Insurance will not pay unless certain conditions are met. These conditions include:

• If you get sick with COVID-19, preventing you from travelling as planned.
• If your spouse and/or children become sick with COVID-19, preventing you from travelling as planned.

In these situations, RBC Insurance may provide coverage for trip cancellation or interruption expenses. However, it's important to carefully review the specific terms and conditions of your policy, as they may contain additional requirements or limitations for coverage related to COVID-19.

How to file an RBC travel insurance claim?

Claims can be filed directly on their website. You will have to fill up a claim form, like the one attached below, to initiate the process. You will have to provide supporting documents like proofs from your physician in case of medical claims.

In case of travel interruptions or delays, you must provide documents of your reservations and flight details and cancellations if any.

You can also file your claim by calling the following phone numbers:

• For medical or travel emergencies
  • 1-800-387-2487 (Toll-free from Canada and USA)
  • 905-816-2561 (Collect from anywhere)

• For RBC trip cancellation, call the following phone number:
  • 1-800-263-8944

How do I contact RBC travel insurance?

For any queries, you can reach the RBC's customer care at the following phone numbers:

• RBC travel insurance contact: 1-800-387-2487 (Canada and USA)
• +1-905-816-2561 (Worldwide)

How to cancel RBC travel insurance?

In case you want to cancel your policy, you can contact the RBC travel insurance phone number 1-800-565-3129 and follow the instructions.

If you cancel the insurance within 10 days of purchase of the policy and have not initiated any claim and haven't left for your trip, you are eligible for a full refund. If more than 10 days have passed, contact RBC customer care for further details.

You can also refer to the "insurance premium" section of your insurance document to find details on cancellations and charges.

Now that you know everything you need to decide if RBC is the right fit for you, you can use our comparator to compare other insurances and also get quotes to make the best decision.

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