What does the insurance of my Westjet Mastercard RBC card cover?

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Victor
Victor
Credit card insurance expert @Hellosafe
The WestJet RBC Mastercard provides comprehensive insurance coverage across multiple categories.
Travel insurance
Mountain stay
Car rental
For travel abroad, it offers Travel Accident Insurance of up to $500,000 CAD, which covers accidental bodily injury or death while traveling as a passenger on a common carrier, including planes, trains, and buses. The card also includes Delayed Baggage Insurance of up to $500 CAD per occurrence, allowing reimbursement for emergency purchases when checked baggage is delayed by more than four hours. However, it does not provide trip cancellation or interruption coverage, which might limit its appeal for travelers requiring more extensive protection.
For winter sports enthusiasts, the card does not specify coverage for snow or mountain activities such as skiing or snowboarding. While its general travel protections may indirectly assist during emergencies at winter destinations, it does not offer dedicated coverage for winter sports-related risks like equipment damage or rescue costs, making it a less favorable choice for this specific use case.
In the car rental category, the card includes Auto Rental Collision/Loss Damage Waiver Insurance, which protects against damage or theft of rental vehicles up to their full value for rental periods of up to 48 consecutive days. This coverage eliminates the need to purchase collision damage waivers offered by rental agencies, potentially saving significant costs. However, it does not include third-party liability insurance, so users must ensure they have adequate additional coverage to protect against claims for injury or damage to others.

Travel Insurance Card Westjet Mastercard RBC

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

Car Rental Insurance Card Westjet Mastercard RBC

Rental car
Benefit
Coverage
Recommendation

Content Insurance Card Westjet Mastercard RBC

Content
Benefit
Coverage
Recommendation
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FAQ - RBC Westjet Mastercard

faq

How can I contact customer support?

To contact customer support for assistance with insurance-related inquiries, you can call toll-free at 1-800-533-2778 from the US and Canada or collect at 905-816-2581 from anywhere in the world.

How do I report a claim?

To report a claim, contact Allianz Global Assistance at 1-800-533-2778 toll-free from the US and Canada or collect at 905-816-2581. Provide notice of your claim within 30 days and submit all required documentation within 90 days.

Who is insured?

Coverage extends to the primary cardholder, their spouse, dependent children (under specified conditions), and authorized users of the card. Specific details about dependent child eligibility are outlined in the terms.

How can I obtain an insurance certificate?

You can obtain a certificate of insurance by requesting it directly from your insurance provider. Contact them at the provided customer support numbers for guidance.

For which sports activities am I not insured?

Coverage exclusions for sports activities include those involving motorsports, mountaineering, and other high-risk activities. Consult your policy terms for a comprehensive list.

From when am I covered, and for how long?

Your coverage begins when you leave your province of residence, provided the trip was paid for with the card, and ends upon return or cancellation of the card. Coverage conditions depend on the policy.

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

Yes, the insurance coverage is typically valid worldwide, but certain conditions and exclusions may apply based on regional restrictions or activity-specific rules. Refer to your policy document for precise details.

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

Yes, to benefit from coverage, the trip or applicable expenses must be paid in full with the card, including taxes and fees, unless otherwise specified in the policy terms.

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