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RBC Insurance Travel Insurance Review 2024

Updated: Feb 28, 2024, 7:33am

Reviewed By

Whether you’re planning a dream vacation, snowbird getaway, destination wedding or cruise, RBC Insurance has a travel insurance plan to suit your needs. With unlimited emergency medical coverage, a full suite of travel insurance plans and a package geared towards mature travellers, RBC offers peace of mind in case of a travel emergency. While the included trip benefits are lower than other plans, the available package upgrade rider sweetens the offer.

• Unlimited emergency medical coverage
• Coverage for pre-existing conditions
• Package upgrade available
• No CFAR coverage
• Expensive for travellers over age 65
• No app for easy claim submission

Table of Contents

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RBC Insurance is the brand name for the operating entities of Royal Bank of Canada—Canada’s biggest bank. RBC Insurance offers a range of insurance options, including life, health, home, auto and travel to individual, business and group clients.

RBC Insurance is underwritten by RBC Insurance Company of Canada.

Here are the key types of travel insurance coverage offered in RBC Insurance travel insurance plans:

• Emergency medical insurance: If you get ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the coverage limits in your plan. These expenses can include doctor and hospital bills, medication and lab work.
• Trip cancellation insurance: If you cancel a trip for a reason listed in your travel policy, such as you or your travelling companion becoming ill, weather conditions causing a massive delay or you losing your job,  trip cancellation insurance can reimburse you for prepaid, non-refundable costs.
• Travel interruption or delay insurance: Trip interruption insurance can pay for a last-minute flight home in an emergency and reimburse money that you lose by cutting a trip short, such as non-refundable activities and hotel stays. If your flight is delayed , your insurance can cover the cost of incidentals, such as meals or accommodations, after a specified period of time, such as 10 or 12 hours.
• Baggage insurance: Baggage travel insurance can compensate you up to your policy limits if your luggage is lost or stolen. It will reimburse the depreciated value of your suitcases and what you packed. If your bags are delayed, it can reimburse you for the cost of the necessities you’ll have to buy to tide you over. It also extends to your personal belongings, if anything is lost, damaged or stolen.
• Travel accident insurance. This coverage offers compensation in the event of accidental death or catastrophic injury from an accident during your trip. Flight Accident Insurance covers injury while you’re on a commercial plane, during a connection or in an airport. Travel Accident Insurance covers death or dismemberment, including the loss of limbs or eyesight, while on your trip.

RBC Insurance Travel Insurance offers three packaged plans for travelling outside of Canada:

Deluxe Package: This is the most comprehensive plan offered by RBC Insurance. It includes coverage for unforeseen medical emergencies, trip cancellation and interruption, flight and travel accidents, and baggage loss, damage and delay.

Emergency medical treatment includes:

• Hospital accommodation in a semi-private room
• Services of a legally licensed physician, surgeon, anaesthetist or nurse
• Private duty nursing
• Ground or air ambulance
• Rental or purchase of a hospital bed, wheelchair, brace, crutch or any other medical appliance
• Diagnostic tests
• Prescription drugs and medication
• Paramedical services, such as care from a chiropractor, osteopath, physiotherapist, chiropodist or podiatrist, up to $300 per profession
• Ambulance transportation
• Emergency dental due to a blow to the face (emergency expenses covered during your trip, plus $1,500 when you return home)
• Emergency dental due to pain, up to $300

Medical benefits also include coverage to bring someone to your bedside, expenses for meals, hotel accommodations and associated expenses if a medical delay prevents you from returning home, repatriation expenses, return of your remains if you die and a hospital allowance for expenses such as parking and TV rental.

Non-Medical Package: If you have medical coverage elsewhere, such as a RBC travel credit card , this covers trip cancellation and trip interruption, flight and travel accidents, and baggage loss, damage and delay.

TravelCare Package: For travellers over age 75, this package includes coverage for unlimited emergency medical, trip cancellation and interruption, baggage loss, damage and delay, and flight and travel accidents. Pre-existing conditions may also be covered depending on your answers to a medical questionnaire and the TravelCare category for which you qualify. There are three TravelCare categories: Gold, Silver and Bronze. Travellers with a score of zero on the questionnaire will be assigned to the Gold category that stipulates a 90-day stability period for pre-existing conditions. Travellers with median scores (between 5 and 35) will be assigned to the Silver category that requires a 180-day stability period, while travellers with the highest scores (40 and over) will be assigned to the Bronze category that requires a 365 day stability period. Here are some examples of questions and the related scores:

• Have you ever, in your lifetime, been diagnosed with any heart conditions? (No= 0, Yes = 20)
• In the last 12 months have you received or has your physician recommended chemotherapy or radiation therapy for any cancer condition? (No = 0, Yes = 5)
• In the past 12 months, have you used or been prescribed oxygen? (No = 0, Yes = 40)

Family plan pricing is available for both the Deluxe Package and Non-Medical Package.

When you go through the quote process, RBC Insurance also offers prices for basic Cancellation and Interruption Insurance and Classic Medical insurance.

We’ve highlighted key benefits of RBC Insurance Travel Insurance for the single trip plans to help you identify which coverage is the best fit for you.

The price of a RBC Insurance travel insurance plan depends on factors such as the cost of your trip, your age and the amount of coverage you choose.

Here are some examples of the cost for RBC Insurance travel insurance single trip plans for healthy travellers based in Ontario.

Emergency medical: $5 million Cancel For Any Reason: Yes, 50% to 75% Baggage insurance (maximum): $1,500

Related: CAA Travel Insurance Review

TD Insurance

Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000

Related: TD Insurance Travel Insurance Review

Manulife Financial

Emergency medical: $10 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000

Related: Manulife Financial CoverMe Travel Insurance

RBC Insurance offers a Package Upgrade Rider that can be purchased in conjunction with any of the packaged single trip or multi-trip options. It can not be purchased on its own. Here are the main benefit upgrades offered by this add-on:

Yes. You can buy multi-trip annual insurance if you travel more than once a year for multiple individual trips. RBC Insurance offers the Deluxe Package and the TravelCare Package for nine, 16 or 30 days. There is no multi-trip option for the Non-Medical Package. If you stay longer than the number of days you purchased, you can purchase a top-up.

Here’s how the prices between single-trip and multi-trip insurance for 16 days compare:

Worldwide emergency medical assistance is available 24/7 by calling RBC’s claims and assistance partner Allianz Global Assistance. When you have a medical emergency, the following support may be available:

• Referral to a recommended medical service provider near you
• Transportation to a suitable facility for medical treatment to stabllize or treat your medical condition
• Confirmation of coverage and direct payment of fees to the recommended medical service provider
• Consultation with your attending physician to monitor your care
• Monitoring of the appropriateness, necessity and reasonableness of care to ensure expenses will be covered

If you don’t call Allianz Global Assistance first, your benefits may be reduced and your coverage may be limited to 70% of your medical expenses under your insurance plan, meaning you’ll be financially responsible for 30% out of pocket.

RBC Insurance will not pay any medical expenses related to a medical condition that is not stable for a set period of time before your coverage takes effect, either 90, 180 or 365 days depending on your answers to a medical questionnaire that will assign you to one of three TravelCare categories: Gold, Silver or Bronze.

According to RBC Insurance, a medical condition is considered stable when all of the following are true:

• There has been no new treatment prescribed or recommended or any change in existing treatment, including a stoppage
• There has not been any change in medication, or any recommendation for or starting of a new prescription drug
• The medical condition has not become worse
• There has not been any new, more frequent or more severe symptoms
• There has been no hospitalization or referral to a specialist
• There have not been any tests, investigation or treatment recommended but not yet complete, nor any outstanding test results
• There is no planned or pending treatment

In addition, RBC Insurance will not cover:

• Any heart condition that is not stable in the 90, 180 or 365 days before your trip
• Any heart condition for which you’ve had to take nitroglycerin for angina pain in the 90, 180 or 365 days before your departure date
• Any lung condition that is not stable in the 90, 180 or 365 days before your trip
• Any lung condition for which you’ve been treated with or prescribed home oxygen, prednisone or prednisolone in the 90, 180 or 365 days before your departure date

There are a number of scenarios not covered by travel insurance and it’s critical to know what not to do before you make a claim only to be told you’re on the hook for all associated costs. The following are some of the most common issues not covered by travel insurance:

• A claim against an unstable pre-existing medical condition
• The continued treatment of a medical condition on once the emergency period has ended
• Your self-inflicted injury, suicide or attempted suicide
• Any claim related to a criminal offence or illegal act
• Any medical condition arising from the abuse of drugs, alcohol or other intoxicants, or withdrawal from drugs, alcohol or other intoxicants
• Any medical condition that is the result of you not following prescribed treatment
• Any claims related to non-emergency, experimental or elective treatment, such as cosmetic surgery, chronic care or rehabilitation
• Your participation in a sport as a professional athlete
• Your participation in rock climbing or mountain climbing
• Your participation in a motorized race or speed contest
• A trip made for the purpose of obtaining a diagnosis, treatment, surgery, investigation, palliative care, or any alternative therapy
• Any claim related to pre-natal or post-natal care
• Any claim related to a child born on the trip, or any claim related to pregnancy, delivery or complications of either arising nine weeks before or after your expected due date
• Any claim which would have caused a prudent person to seek medical treatment in the 90 days before your effective date
• Any claim incurred after a physician advised you not to travel
• Any claim related to a government travel advisory for “Avoid all non-essential travel” or “Avoid all travel”
• Any expenses from orbital space flights, sub-orbital space flights and space tourism

To be eligible for RBC Insurance travel insurance coverage, the following must apply:

• You must be a Canadian resident
• You must be under 60 years of age and travel for 183 days or less
• You must be 60 years of age or older and under 75 years of age and travel for 60 days or less
• Have correctly completed the medical questionnaire if the non-refundable portion of your trip costs exceed $15,000
• Be covered under your government health insurance plan, or your insurance maxes out at $20,000 in coverage

You can file a claim by visiting the RBC Insurance travel insurance website where you can obtain an emergency medical or cancellation and interruption claim form. You can complete the document(s) digitally and then submit it and all required documentation through the online claim submission page.

If you are making an emergency medical claim, documentation may include:

• Original of all bills, invoices and receipts
• Proof of payment by your government health insurance plan and payment from any other insurer or benefit plan
• A complete diagnosis from the physicians and/or hospitals who provided the treatment including verification that the treatment was medically necessary
• For accidental dental expenses, proof of the accident

For a trip cancellation and trip interruption claim, you may be asked to provide:

• A medical document stating why travel was not possible
• Written evidence of the covered reason that caused the cancellation, interruption or delay
• Tour operator terms and conditions
• Complete original unused transportation tickets, vouchers, cruise shore excursion or special ticket events
• Receipts for the prepaid land arrangements and/or out of pocket expenses
• Original passenger receipts for new tickets
• Reports from the police or local authorities documenting the cause of a missed connection
• Detailed invoices and/or receipts from the service provider(s)

If you are making a baggage loss, damage and delay insurance claim, you will need to provide:

• Proof of loss/damage (copies of reports made to the authorities), proof of ownership and receipts for the items claimed in the event of loss or damage
• Proof of delay and receipt for purchases or necessary toiletries and clothing in the event of a delay

If you are making a flight and travel accident insurance claim:

• Police reports, medical records, death certificate, autopsy report or coroner’s report

You must file a claim within 90 days of return to your departure point.

RBC Insurance Travel Insurance FAQs

Does rbc insurance pay for medical costs upfront.

According to the company, the payment of eligible medical services will be coordinated through RBC Insurance, communicated with your medical provider and billing arrangements “will be discussed.” The insurer notes that pay assistance “may not be available from certain medical service providers for reasons beyond our control.”

Does RBC Insurance offer coverage extensions?

Yes. Your coverage is automatically extended for 72 hours starting on the final day of your trip due to a transportation delay. If you or your travelling companion are hospitalized, your coverage is extended for the period of hospitalization, plus up to five days after discharge. If you or your travelling companion is unfit to travel due to a medical emergency that does not require hospitalization, your coverage is automatically extended for up to five days.

You can also request an extension if you want to stay longer on your trip, provided you apply before the expiry date of your policy and you haven’t made any claims or you’re not currently seeking treatment. If the extension is not available, you may be able to purchase a new policy.

Does RBC Insurance cover COVID-19?

The emergency medical coverage provides for medical expenses related to COVID-19 as long as there are no “Avoid all travel” or “Avoid all non-essential travel” advisories issued by the Canadian government on the day you depart on your trip. RBC Insurance will not pay trip cancellation or interruption benefits if you are required to cancel your trip for a reason related to COVID-19 unless:

• You get sick with COVID-19 and it prevents you from travelling as planned • Your spouse and/or children become sick with COVID-19 and prevents you from travelling as planned

Does RBC Insurance require a medical questionnaire?

Yes. Travellers age 65 and over must complete a comprehensive medical questionnaire that asks questions about your eligibility for insurance.

If it’s discovered that you did not answer the questions truthfully or there are any errors, this may void your plan and/or your claim may be denied.

Also, regardless of age, if the non-refundable portion of your pre-paid travel expenses exceeds $15,000, you will be required to complete the medical questionnaire.

Does RBC Insurance have any age restrictions?

If you are between 60 and 75 years old, the maximum number of travel days is 60 days. Also, travellers over age 65 need to quote and buy insurance separately even when travelling together. The Deluxe Package is available for travellers aged 0 to 74 for single trip plans and age 0 to 64 for multi-trip plans. The TravelCare Package is available for travellers age 75 and over for single trip plans and age 65 and over for multi-trip plans. The Non-Medical Package is available for all ages.

When does my coverage with RBC Insurance begin?

In general, if you purchase cancellation coverage, it begins the day you buy your policy and ends the day when you make a claim or leave on your trip. Your interruption coverage, if purchased, begins when you leave home. Your delay coverage begins once an insured risk prevents you from returning home as scheduled.

Does RBC Insurance offer a free look period?

Yes. RBC Insurance offers a 10-day “Free Look” period where you can review your policy and decide to cancel it within 10 days of purchase if you have not already left for your trip and there is no claim in progress or you have not experienced an event that would cause you to submit a claim.

Can I get a refund with RBC Insurance?

Refunds after the 10 day “Free Look” period are not permitted unless:

• The supplier (tour operator, airline, etc.) cancels your trip and all penalties are waived • The supplier changes the travel days and you are unable to travel on these dates and all penalties are waived • You cancel your trip before any cancellation penalties are in effect

Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

Aaron Broverman is the lead editor of Forbes Advisor Canada. He has over a decade of experience writing in the personal finance space for outlets such as Creditcards.com, creditcardGenius.ca, Yahoo Finance Canada, Nerd Wallet Canada and Greedyrates.ca. He lives in Waterloo, Ontario with his wife and son.

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RBC Travel Insurance Review (September, 2024) – Pros, Cons, Features, Pricing

You need to read this RBC travel insurance review if you want one-cover-all travel insurance coverage. The Royal Bank of Canada (RBC) is a household name in Canada. They’ve got more than 150 years of experience catering to the needs of Canadians.

Editorial Note: Comparewise is supported by our readers. When you find products and services through links on our site, we may earn commission.

RBC Travel Insurance

• 24/7 access to a caring team who’s always on call
• More Coverage In More Places®
• Coverage for the widest range of unexpected travel situations

Get out there and enjoy yourself knowing you have the right coverage - Claim this offer

The RBC travel insurance review shows that RBC offers comprehensive and practical travel insurance. Their travel insurance is available 24/7 to both young and old Canadians, with numerous packages to choose from.

There is a deluxe package, a non-medical package, a classic medical package, a TravelCare package, and a TravelCare medical package. Alternative insurance coverages include Manulife, Scotiabank, and TD Travel Insurance.

In this review, you’ll learn the merits and demerits of choosing RBC insurance and how to go about applying for one.

What makes RBC Travel Insurance a good option?

In this section of the RBC travel insurance review, you’ll learn various reasons why this insurance coverage is a good option.

Comprehensive Insurance Options

The Royal Bank of Canada has many years of experience offering travel insurance solutions. So, their travel insurance coverage covers everything the average Canadian will need travel insurance for. This includes baggage damage, flight delays, emergency medical treatment, travel accidents, etc.

Practical Travel Insurance Packages

The Royal Bank of Canada has always had the habit of listening to customer feedback. That’s why their travel insurance packages are practical and useful to all Canadians. This is why they’ve gone out of their way to offer travel insurance targeted at older people or for various types of vacations.

24/7 Emergency Travel Medical Insurance

RBC has partnered with Allianz Global Assistance to offer emergency travel medical insurance. With this, Canadians can be referred to the nearest medical facility in case of an emergency. There will also be a confirmation of direct payment of fees to the medical facility in such situations.

Pros and cons of RBC Travel Insurance

One of the questions that comes to mind when choosing an insurance policy is what the advantages and disadvantages of doing so are.

We don’t want to leave you in the dark regarding RBC travel insurance. So, this section of the RBC travel insurance review will cover the merits and demerits of choosing it.

The pros of RBC Travel Insurance

There are travel insurance packages created for seniors.

Unlike most travel insurance packages, RBC travel insurance takes the elderly population into account when creating its insurance package. Hence, you’ll see that some of their travel insurance is meant for Canadians older than 65.

Single and Multi-trip Coverage

You can opt for one multi-trip coverage instead of taking numerous single insurance packages for multiple trips. This will allow you to save money as the multi-trip coverage covers an unlimited number of trips in a year.

The cons of RBC Travel Insurance

No covid-19 travel insurance.

Although the worst of the COVID-19 pandemic is over, there is still a chance of encountering it on your travels. Many insurance companies have created insurance packages for this purpose, but RBC has chosen not to do so.

Little customization Available

Most insurance companies give their customers the freedom to choose what goes into their insurance package. However, RBC only offers a lot of pre-built options. While this is good, it doesn’t give the customer a great deal of freedom.

Premiums are Expensive

The RBC Avion travel insurance reviews show that Canadians are getting a good deal with this insurance company. However, this doesn’t change the fact that this company’s travel insurance costs more than its competitors.

RBC Travel Insurance products and services

When you sign up for travel insurance coverage from RBC, there are many options you can choose from. This section of the RBC travel insurance review will show you the insurance packages you can expect.

Deluxe Package

Our RBC Deluxe Travel Insurance review shows that this is the most comprehensive coverage from this company.

It offers a bit of everything you’ll need to be insured against when travelling within or out of Canada. This includes medical emergencies, travel accidents, trip cancellation and interruption, baggage loss, delay, and damage.

This package is only available to Canadians younger than 64 for multi-trip options and younger than 74 for single trips.

Non-Medical Package

This is the insurance package for you if you don’t need medical insurance or are insured elsewhere. So, it covers trip cancellation and interruption, baggage loss, delay, damage, and travel accidents. This package is available to Canadians of all ages.

Classic Medical Plan

This medical insurance plan offers unlimited emergency medical care, 24/7 worldwide coverage, and direct payment of emergency medical bills. The RBC Classical Medical Travel Insurance reviews show that this package is perfect for emergency medical situations outside your home province.

TravelCare Package

This is a package for older people, and it offers unlimited emergency medical insurance along with trip cancellation and interruption insurance. Baggage loss, delay, and damage are all covered, as are travel-related accidents.

TravelCare Medical Plan

This is a medical plan that’s targeted at Canadians over 65 years of age. From our RBC Travel Health Protector Insurance reviews, we’ve learned that these plans offer everything that the classic medical insurance plan provides.

This includes unlimited emergency medical care, 24/7 medical assistance, and direct payment of emergency medical bills.

RBC Travel Insurance product and service quality

RBC is a company dedicated to protecting customer data and safeguarding all their private information. When it comes to consumer data security, this insurance provider goes above and beyond by adhering to the General Data Protection Regulations (GDPR).

While developing its privacy risk management program, RBC also considers the Organization For Economic Cooperation and Development (OECD) recommendations.

This platform gives Canadians peace of mind with features like two-factor authentication and automatic e-transfer deposits. Auto-deposits eliminate potential security issues associated with logging into an online bank account.

How to get started with RBC Travel Insurance

This part of our RBC travel insurance review will explain the steps you need to take to acquire your own policy. To protect yourself while travelling, you have two options for applying:

• Apply Online
• Apply at an RBC branch

If you want to apply online, you’ll start by requesting a quote. Here, you’ll need to answer why you need the insurance, offer the trip details, and answer other questions to determine your needs.

When you’re done, the best insurance packages for your situation will be offered. Either modify the bundle to meet your requirements or purchase it as is. If you want to apply at an RBC branch, simply visit any RBC location, and a representative will assist you with your application.

Alternatives to RBC Travel Insurance

With all that has been covered in the RBC travel insurance review, do you feel this insurance coverage suits you? If it’s not, there are other alternatives to this travel insurance, and you’ll find them below.

TD Travel Insurance vs RBC Travel Insurance

This is travel insurance from TD Bank , and it offers coverage for all provinces in Canada. TD Bank also provides emergency medical insurance, as we saw in the RBC travel medical insurance reviews. Unlike RBC travel insurance, their insurance covers physician bills and hospital accommodations.

In contrast, TD travel insurance doesn’t cover travel accidents, flight delays, baggage loss, damage, or delays. Unlike RCB travel insurance, where there are many comprehensive packages to choose from, TD travel insurance only offers three basic plans.

Scotiabank Travel Insurance vs RBC Travel Insurance

Scotiabank offers this insurance policy to both Canadian citizens and permanent residents in every province in the country. The RBC assurance travel insurance reviews we read revealed similar coverage for international visitors to Canada.

Scotiabank and RBC travel insurance offers emergency medical insurance, trip cancellation and interruption insurance, baggage loss and damage insurance, and delay insurance.

However, Scotiabank also goes a step further to provide coverage for COVID-19 and even makes student-friendly plans. In contrast, RBC travel insurance offers flight delay insurance, which Scotiabank doesn’t provide.

RBC Travel Insurance review conclusion

This RBC travel insurance review shows that RBC travel insurance is a good option for Canadians who want to be covered on all fronts.

The RBC travel health insurance reviews also show that their health insurance policies cater to Canadians of all ages. So, if you can handle the high cost and lack of customization, you’ll love the RBC travel insurance.

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FAQs about our RBC travel insurance review

Yes, the RCB travel insurance can cover COVID-19 expenses. Although this insurance company doesn’t really offer COVID-19 insurance, it pays for medical expenses related to COVID-19. These expenses are paid when the country that the insured travelled to doesn’t have “Avoid all non-essential travel” or “Avoid all travel” advisories.

Yes, you can extend your travel medical insurance even if you're on a trip. However, you can only request an extension from us if you've not had a medical condition during the journey. However, if you've had it, you'll need to contact Allianz Global Assistance for their approval before we can do the same.

The cost of RBC travel insurance depends on the insurance package in question, the health condition of the insured, and other factors. The best way to know how much you’ll be paying is to request a quote for the cover you wish to purchase.

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Understanding your out-of-province government medical coverage, share this:, faq – how ohip changes may affect you when you travel, related topics.

Travel Insurance Quote

What do you need coverage for.

Choose a trip type to help us provide a quote recommendation on the type of coverage that may be right for you.

Please note that a Multi-Trip quote will not factor in your credit card’s travel insurance coverage. This is because credit card coverage can be calculated for Single Trip quotes only. If you want to see what your credit card will cover, we recommend starting with a Single Trip quote first.

Underwritten by RBC Insurance Company of Canada.

• Call to Speak With a Licensed Advisor 1-800 ROYAL 2-8 (1-800-769-2528)
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Trip Cancellation and Interruption Insurance

Things don't always go as planned.

Protect your travel investment—just in case your trip gets cancelled or interrupted.

Get a Quote

Financial protection for your trip expenses.

Have you bought an airline ticket or made a non-refundable and/or non-transferable hotel deposit? Protect your purchase with trip cancellation and interruption insurance. This coverage protects you financially in case you get sick or an unexpected event forces you to cancel your trip, come home early or delay your return home. Here’s how it can help:

Before Departure Disclaimer 1

Trip cancellation insurance reimburses you for non-refundable and/or non-transferable deposits on pre-paid travel arrangements and cancellation penalties that a transportation carrier or tour guide may charge.

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Policy Documents:

For complete coverage details, limitations and exclusions, see:

After Departure Disclaimer 1

Trip interruption insurance covers extra costs if you need to return home sooner or later than planned and reimburses you for non-refundable and/or non-transferable portions of unused, prepaid travel arrangements.

Other Expenses Disclaimer 1

Out of Pocket expenses reimburses you for extra expenses like a hotel, meals, taxi fares (ride sharing, or rental car in lieu of taxi fares)and more if a covered situation happens.

Do you need medical coverage, too?

Consider a travel insurance package instead if you think you may need coverage for emergency medical expenses and other situations. All of our packages include trip cancellation and interruption insurance.

Make sure you have the right travel insurance—get an online quote or talk to a licensed insurance advisor.

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RBC Avion Visa Infinite Privilege – RBC’s Luxury Travel Credit Card

Card Details

Your points add up quickly and take you far

Earn 1.25 Avion points for every $1 you spend. Take a look at our Air Travel Redemption Schedule to see how your points let you fly faster!

Travel your way, on your schedule

Book flights on any airline, on any flight, at any time 3 . You can also use your points to redeem for vacation packages, hotels, cruises and tours 5 .

The Friday Friend Pass - 2 for 1 Ski Passes!

Love skiing or snowboarding? Get one FREE lift pass when you buy one Friday lift pass with an RBC Avion Visa, at participating resorts across Canada. Learn More

So easy to book travel

Use our online tool to book travel rewards instantly .

Air travel made better

Enjoy global airport lounge access 23 , airport security fast track lanes 4 , and dedicated airport parking 4 at select Canadian airports.

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Save and Earn Faster with RBC Offers

Load personalized offers for great brands before you shop to get cash savings or to earn bonus points faster.

Redeem points for other great stuff

Including the latest Apple products, over 50,000 tech products at Best Buy, and an amazing selection of merchandise, gift cards 6 , RBC Financial Rewards vouchers and more.

Convert your points to other programs

Eligible Avion Rewards members can convert points to other loyalty programs including WestJet dollars and Hudson’s Bay Rewards points.

Payback with points

Use your Avion points toward your credit card balance. 7

Additional Features

Great Benefits – Just for RBC Avion Visa Cardholders

From exclusive perks to enhanced coverage, explore all the benefits that come with being an RBC Avion Visa Cardholder.

Extensive insurance coverage

• Mobile Device Insurance included – up to $1,500 12
• Travel with ease with trip cancellation 12 and trip interruption 12 insurance, and emergency medical 12 .
• Plus, eligible purchases 12 made on the card are protected.

For more details regarding all available insurances on this card,  click here .

Instant Fuel Savings at Petro-Canada

Link your card and get the following:

• Instantly save 3¢/L on fuel 8 and always earn 20% more Petro-Points 9
• Always earn 20% more Avion points 10

For more details click here .

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Earn more Be Well points at Rexall

Link this card with your Be Well card to:

• Get 50 Be Well points for every $1 spent on eligible products at Rexall 14
• Redeem Be Well points faster for savings in store on eligible purchases 15 ; 25,000 Be Well points = $10

Get up to 20% 22 off at Hertz and earn 3x 21 the points

Up to 20% savings 22 (applies to the base rate only), and more Avion points 21 are just more advantages of being an Avion cardholder. Additionally, get upgraded to Five Star status in the Hertz Gold Plus Rewards Program 21 . Find out how to load this offer .

Get $0 delivery fees for 12 months from DoorDash 18

Add your eligible RBC credit card to your DoorDash account to:

• Get a 12-month complimentary DashPass subscription 19 – a value of almost $120
• Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card

Credit Card Lock

You can lock your RBC credit card temporarily at any time. Use Credit Card Lock if you’ve misplaced your card, simply log in to the RBC Mobile app and choose the card you want to lock. Learn More 14 off at Hertz and earn 3x 15 the points : 20% savings 14 (applies to the base rate only), and more Avion points 15 are just more advantages of being an Avion cardholder. Additionally, get upgraded to Five Star status in the Hertz Gold Plus Rewards Program 15 .  Find out how to load this offer .-->

Rest easy — in comfort and style

The Visa Infinite Luxury Hotel Collection offers benefits such as late check-outs and automatic room upgrades.

Personal assistance when you need it

A Visa Infinite Privilege Concierge 4 can book tickets and restaurants, and help plan your travels, research your requests and locate hard-to-find items.

Exclusive music and dining experiences

Savour unique dishes and meet the chefs that create them at the top restaurants with the Visa Infinite Dining Series.

Optional Extras

Optional Add-On Services

Take advantage of all the benefits your credit card has to offer by adding optional services to protect your identity, your family, and your credit card balance:

Add-on Travel Insurance

RBC Road Assist

BalanceProtector Max Insurance

Identity Theft & Credit Protection

Apply online for a luxury travel credit card

Applying online is safe and secure. Get a response in less than 60 seconds.

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