rbc travel assistance

• Travel Insurance
• RBC Insurance Travel Insurance Review

The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive payment from the companies that advertise on the Forbes Advisor site. This comes from two main sources.

First , we provide paid placements to advertisers to present their offers. The payments we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market.

Second , we also include links to advertisers’ offers in some of our articles. These “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor.

While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

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

About rbc insurance travel insurance, what travel insurance does rbc insurance offer, rbc insurance travel insurance plans, summary: plan comparison, rbc insurance travel insurance cost, comparing rbc insurance travel insurance with other insurers, optional add-ons for rbc insurance travel insurance, does rbc insurance travel insurance offer any discounts, does rbc insurance travel insurance offer annual multi-trip plans, rbc insurance travel insurance 24/7 travel assistance, does rbc insurance travel insurance have cancel for any reason (cfar), does rbc insurance travel insurance have interruption for any reason (ifar), rbc insurance travel insurance and pre-existing medical conditions, rbc insurance travel insurance exclusions, rbc insurance travel insurance eligibility, how to file a claim with rbc insurance travel insurance.

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.

• World Nomads Travel Insurance
• CAA Travel Insurance
• BCAA Travel Insurance Review
• TuGo Travel Insurance Review
• Goose Travel Insurance Review
• Travel Guard Travel Insurance Review
• Johnson MEDOC Travel Insurance
• Blue Cross Travel Insurance
• GMS Travel Insurance Review
• Medipac Travel Insurance Review
• Manulife Financial CoverMe Travel Insurance
• TD Bank Travel Insurance
• Tour+Med Travel Insurance Review
• Travelance Travel Insurance
• Pacific Blue Cross Travel Insurance Review
• TD Insurance Travel Insurance Review
• Allianz Global Assistance Travel Insurance
• BMO Travel Insurance Review
• Desjardins Travel Insurance Review

Do I Need Travel Insurance When Travelling Within Canada?

• How To Get Pre-Existing Conditions Covered By Travel Insurance

What’s the Purpose of an ETIAS Travel Authorization?

• Should You Buy Travel Insurance And Is It Worth It?
• How To Travel To The U.S. From Canada
• Credit Card Travel Insurance Vs. Separate Travel Insurance
• Travel Insurance For Trips To Europe
• Do Canadian Travellers Need Schengen Visa Insurance?
• Guide To Pregnancy And Travel Insurance
• Why Travel Medical Insurance Is Essential
• 5 Top Tips For Handling Flight Cancellations Like A Pro
• What Does Travel Delay Insurance Cover?
• How To Get Reimbursement For A Travel Insurance Claim
• How Travel Insurance Works For Baggage
• Trip Cancellation Travel Insurance

$10 ETIAS Travel Pass For Europe Visits Pushed To 2025

• Top 10 Travel Insurance Tips For 2023
• Travel Insurance For U.K. Trips
• What Travel Insurance Does Not Cover
• How To Buy Travel Insurance For Cruises

More from  

Bcaa travel insurance review 2024, pacific blue cross travel insurance review 2024, cumis travel insurance review 2024.

RBC Travel Insurance Review (August, 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.

You might also like…

• TD Travel Insurance Review – Pros, Cons, Features, Pricing
• Travel Guard Travel Insurance Review – Pros, Cons, Features, Pricing
• Blue Cross Insurance Review – Pros, Cons, Features, Pricing

Discover Investment Opportunities

Make your money do more.

Advertiser disclosure

Offers shown here are from third-party advertisers. We are not an agent, representative, or broker of any advertiser, and we don’t endorse or recommend any particular offer. Information is provided by the advertiser and is shown without any representation or warranty from us as to its accuracy or applicability. Each offer is subject to the advertiser’s review, approval, and terms. We receive compensation from companies whose offers are shown here, and that may impact how and where offers appear (and in what order). We don’t include all products or offers out there, but we hope what you see will give you some great options.

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.

• Travel Insurance

Grow your finances today.

Most popular articles.

• Saily Review (August, 2024) – Pros, Cons, Features & Pricing
• eCapital Review (August, 2024) – Get up to $50M in business financing
• Embark Review (August, 2024) – Pros, Cons, Features, & Pricing
• 20 Reasons You Might Want to Take Out a Business Loan
• How to Get Business Loans in Canada
• How to Minimize CMHC Insurance

Browse by category

• Business Finance
• Business Insurance
• Car Finance
• Car Insurance
• Credit Cards
• Life Insurance
• Personal Finance
• Pet Insurance

You may also like

Car loan? Personal Loan?

Top deals await you just a short application away!

• Contact Customer Service
• Call 1-800-769-2553
• Locate a No-Fee 2 U.S. ATM
• RBC Bank (U.S.) Online Banking
• RBC Royal Bank Online Banking

Cross-Border Discover & Learn

Traveling beyond your province or territory protect yourself with travel insurance 9 ..

When your travels take you far from home in Canada, even a minor accident or sickness can become a major expense and a costly inconvenience—especially since the coverage you have may not fully protect you, whether that’s your provincial health plan, protection offered through your credit card or coverage through your employer. 

Your Government Health Insurance Plan (GHIP) typically covers only a limited portion of your medical expenses once you leave the country and your province. For example, a four-day stay in a U.S. hospital for an appendectomy could cost $39,400 (USD), with only $1,600 (CAD) covered by your GHIP. And a one-day stay in a U.S. hospital for a broken arm could cost $32,600 (USD), with only $400 (CAD) covered by your GHIP. 

Coverage offered through your credit card 9 and employer, while valuable, may only cover specific scenarios and not offer the comprehensive protection you will want while you’re away from home.

Travel insurance can cover your entire family for the duration of your trip, and family pricing is generally available to help you save on the coverage you need. If you travel regularly, a multi-trip annual travel insurance plan that can offer protection for a full year, regardless of the number of times you travel, is a smart option to consider.

RBC Insurance – Travel Insurance that offers more coverage in more places ™ RBC Insurance offers the travel coverage you need, as well as 24/7 access to a caring team of medical professionals – no matter how big or small your emergency. Here are some of the reasons we recommend RBC Insurance to our clients:

• 24/7 worldwide emergency travel assistance through a toll-free emergency help line
• Multilingual assistance from caring professionals – ready to help you wherever you are in the world
• Best in class claims service, with knowledgeable claims and service advisors available to you
• Registered nurses and consulting physicians available 24/7

Most Recent

US and Australia urge China to influence Moscow to end war in Ukraine

T he United States and Australia have reached out to countries that have influence over Russia, particularly China. They are urging these nations to leverage their influence on Moscow to bring an end to the war in Ukraine, according to the Pentagon.

Recently, bilateral talks in the "2+2" format took place in the American city of Annapolis. The talks included US Secretary of State Antony Blinken, Pentagon chief Lloyd Austin, and their Australian counterparts, Penny Wong and Richard Marles.

Among the topics discussed by US and Australian representatives was Russia's war against Ukraine. They condemned Moscow for initiating the war and called for the withdrawal of troops from Ukrainian territory, as well as compensation for the damages.

"They expressed support for the Summit on Peace in Ukraine and reaffirmed the need to reach a just, comprehensive, and lasting peace in line with the UN Charter. The principals called on all those with influence on Russia, particularly China, to exert it now to end the war and to cease support to Russia's defense industrial base," the Pentagon's statement reads.

The United States and Australia reaffirmed their stance that those who support Russia's illegal war will face consequences and confirmed their intent to increase sanctions against countries that back Russia's war.

Additionally, both nations condemned Iran for its support of Russia, including providing drones and missiles. The US and Australia also criticized the growing friendship between Russia and North Korea, particularly the supply of North Korean weapons to Russia for the war against Ukraine.

US assistance

The United States is one of Ukraine's largest partners. Washington has provided the Ukrainian military with weapons, including tanks, armored vehicles, multiple rocket launchers, long-range missiles, drones, ammunition, and other military equipment.

Furthermore, the US continues to support Ukraine politically. US President Joe Biden has repeatedly said that Ukraine will join NATO in the future, though he emphasized that this cannot happen during the war.

Recently, the White House announced that it is allocating two more military aid packages to Ukraine, which include ammunition for HIMARS systems, missiles, and other munitions.

• Find a Branch
• Call 1-800-769-2511

RBC Road Assist

Roadside assistance, when and where you need it.

We’re here to protect more than just your finances. With superior roadside assistance 24 hours a day, 365 days a year throughout Canada and the Continental U.S., protect your family and your vehicle with RBC Road Assist and hit the road with confidence.

Enjoy Peace of Mind with RBC Road Assist Coverage

Roadside Assistance, Towing and More

Whether it’s a flat tire, a lockout or a battery boost, we’ve got you covered. We’ll also tow your vehicle if we can’t get you back on the road right away.

Coverage for Everyone, and Every Vehicle

You, your spouse, and children aged 16-22 living in the same household are covered, no matter what vehicle you’re driving or riding Disclaimer 1 .

Mobile Access on the Go With the RBC Road Assist App

Review your coverage anytime, anywhere with the peace of mind that a helpful agent is just a tap away. Not quite sure where you are? We can help with that too.

24/7 Accident Support

Connect with our team anytime, anywhere across North America. Depending on the coverage you choose Disclaimer 2 , we can provide a tow, a car rental, accommodation reimbursement, or a lawyer Disclaimer 2 . We’re here to help.

RBC Road Assist - Coverage that Fits You

Give yourself peace of mind with your choice of plans, annual pricing and member benefits.

per year, plus applicable taxes

Discover Other Optional Add-On Services

RBC Travel Insurance

Check the travel coverage included with your card, plus optional travel protection you can add-on.

BalanceProtector Premier Plus

Get coverage for your credit card balance in the event of the unexpected.

Identity & Theft Protection

1 in 3 Canadians have fallen victim to financial fraud Disclaimer 3 – are you at risk?

View Legal Disclaimers Hide Legal Disclaimers

2021 Sigma Loyalty Group Inc. All rights reserved. FirstReport™, Sigma Loyalty Group Inc. and all associated marks and logos are trademarks owned or used under license. FirstReport is provided by Sigma Loyalty Group Inc.

Covered vehicles include any passenger car, motorcycle, or pick-up truck with a gross vehicle weight of up to 10,000 lbs (4,500 kg) that the plan member is driving or riding in legally, and for personal use. For full details and coverage visit https://landing.rbcroadassist.com/ (Open in new window)

Motorist Legal Advice and Travel Accident Coverage only available on Gold and Platinum Plans. View full coverage for details (Open in new window)

CPA Canada’s 2020 Fraud Survey finds (open in new window)

Ukraine war latest: Third Russian bridge 'attacked' - as Putin 'in position he never dreamt in worst nightmares'

Russia says Ukraine has attacked a third bridge in the Kursk region - as an ex-UK foreign secretary says Kyiv has put Vladimir Putin "into a position he never dreamt in his worst nightmares". Listen to a Daily podcast on how Ukraine crossed the Russian president's "red line" as you scroll.

Monday 19 August 2024 17:34, UK

• Big picture : What you need to know as war enters new week
• Ukrainian city under attack tells families to evacuate
• Third bridge 'attacked' in Russian region of Kursk
• Michael Clarke : Battle of bridges is about to begin
• Putin 'in a position he never dreamt of in his worst nightmares'  
• Your questions answered: What is Ukraine hoping to achieve with invasion of Russia?
• Listen to the Daily above and tap here to follow wherever you get your podcasts

That's all our live coverage on the war in Ukraine for now. 

We will be back if there are any major developments this evening. If not, we'll be back tomorrow with all the latest updates.

Before we go, here's a reminder of today's key events:

• A "battle of bridges" may be about to start after Ukraine targeted a third Russian bridge in the region of Kursk, defence and security analyst Professor Michael Clarke said;
• A mandatory evacuation order for families with children has begun in the city of Pokrovsk in Ukraine's eastern Donetsk region, as Russian forces advance; Sir Keir Starmer's spokesman says there has been "no change" in the UK's position on Ukraine using Storm Shadow missiles inside Russia's borders;
• Ukraine's attack on the Kursk region means Russia is not ready to hold peace talks for now, an aide to Vladimir Putin has said;
• Elon Musk has denied gifting a Tesla Cybertruck to a Chechen warlord;
• Ukrainian President Volodymyr Zelenskyy gave a clear indication as to the goals of the two week-old invasion for the first time last night, saying he wanted to create a buffer zone for his country. 

Lithuania has today started building a military base that will accommodate up to 4,000 German troops once it's completed by the end of 2027.

It will be the first permanent foreign deployment for the German military since the end of the Second World War.

Lithuania's chief of defence, Raimundas Vaiksnoras, estimated it would spend more than a billion euros building the base over the next three years.

Amid fears Russia could eventually decide to invade other neighbouring countries, Mr Vaiksnoras said it would give "reassurance to our population and as deterrence, to push the Russians out".

The base will be located near the capital Vilnius, which is about 150 miles from the Russian border and 12 miles from Belarus, a staunch supporter of the Kremlin.

German defence minister Boris Pistorius compared the posting of 4,000 troops to allied forces being stationed in West Germany during the Cold War - a move that was also designed to defend Europe in the case of a Soviet attack.

Russia says it is banning 32 experts and employees at British thinktanks.

Moscow has accused them of pushing an anti-Russian line in Western policy circles, Reuters reports. 

People on the list of those banned, which has been published on the Russian foreign ministry's website, have also been accused of spreading disinformation designed to discredit Moscow. 

We told you earlier that Narendra Modi, the Indian prime minister, was visiting Volodymyr Zelenskyy in Ukraine later this week. 

We now have a little bit more detail on Mr Modi's visit to Kyiv, scheduled for 23 August.

The Ukrainian presidential office said on Telegram that the two leaders would discuss the countries' relations and multilateral cooperation.

"This is the first visit of the head of the Indian government to our country in the history of bilateral relations", the office added.

Ukraine claims to be making advances after launching a shock invasion into Russia's Kursk border region, in a move which has embarrassed Vladimir Putin's top military brass.

Readers have been sending in their questions to our senior correspondents and military experts for their take on the latest developments.

Today, Jane in Shropshire asks:

What is success for Ukraine in their invasion into Russia?

Our  security and defence analyst Michael Clarke says:

This incursion is, by definition, a temporary military manoeuvre, designed to put pressure on Russian strategy and gain some military leverage.

It will end when the coming battle of Kursk has reached a point where Ukrainian forces judge that they can still leave the pocket without being too badly mauled by Russian forces, who will be trying to cut them off from their escape route back into Ukraine. 

But that point may be some weeks away.

Success and failure will be an essentially political judgement: did Ukraine's Kursk offensive relieve Russian military pressure elsewhere - particularly in the Donbas around Chasiv Yar, Toretsk, Niu York and Pokrovsk, where Ukrainian forces are under real pressure? Did it increase support for Kyiv in the West? Did it affect the mood around Putin and the confidence in the Kremlin that they would win this war sooner or later?  

Those will be the metrics by which this bold initiative will eventually be judged.

Sir Keir Starmer's spokesman says there has been "no change" in the UK's position on Ukraine using Storm Shadow missiles inside Russia's borders.

Volodymyr Zelenskyy wants to use the missiles to attack targets deep inside Russia that could speed up the end of the war.

But Britain, along with other Western governments, have so far rebuffed Kyiv's requests amid fears of escalation.  

Asked about Storm Shadow missiles and whether Ukraine is permitted to use them in Kursk as part of its push into Russia, a No 10 spokesman said: "We are providing military aid to support Ukraine's clear right to self-defence."

Asked about discussions between the UK and overseas partners, including the US and France, the spokesperson added: "We also have an ongoing dialogue with our allies about a co-ordinated effort between us all to do the same thing and be united in our support for Ukraine.

"So, more broadly, yes, there are conversations always happening between ourselves."

Civilians in Pokrosvk in Ukraine's eastern Donetsk region have just a week or two to flee their homes as Russian troops make rapid gains, a Ukrainian official has said.

A key target city for Moscow, fighting around Pokrovsk remains the heaviest in eastern Ukraine.

Several clashes were reported in the area last week as Kyiv pushed on with its shock invasion of Russia's Kursk border region.

Serhiy Dobriak, the head of Pokrovsk's military administration, said residents should leave as quickly as they can.

They have "a week or two, no more", he told Radio Liberty's Ukrainian Service.

He said authorities have capacity to evacuate at least 1,000 people per day, but only around half that amount is currently leaving.

Some 53,000 people, including nearly 4,000 children, remain in the city.

More than 121,000 people have been evacuated from nine border districts in Kursk, Russian media is reporting, citing the country's emergencies ministry.

Ukrainian troops launched a cross-border invasion into the region nearly two weeks ago, in a move that shocked Vladimir Putin and his top military leaders and left them struggling to push Kyiv's forces back.

Volodymyr Zelenskyy said earlier that he was briefed by his top military commander that Ukraine was achieving its goals in Kursk.

Kyiv predicts Moscow will have around 200,000 extra forces in Ukraine by the end of the year, according to a report.

Forbes Ukraine cited deputy defence minister Ivan Havryliuk as saying some 800,000 Russian troops were expected in the country by the end of 2024.

Currently, there are around 600,000 soldiers in occupied areas of Ukraine, he said.

Analysts at the Royal United Services Institute say Russian forces have been expanding in size despite suffering heavy casualties, and the Kremlin believes it can sustain the "current rate of attrition" through 2025.

Be the first to get Breaking News

Install the Sky News app for free