RBC ® travel insurance is part of RBC ® (the Royal Bank of Canada), one of the largest banks in Canada. RBC Insurance protects over five million customers and has 60+ years of experience.
You don’t need to be an RBC client to get travel insurance through RBC.
Advantages
- You don’t need to be an RBC client to get travel insurance through RBC.
- RBC is one of the few Canadian banks to underwrite their travel insurance policies. RBC travel insurance is underwritten by RBC Insurance Company of Canada.
- Helpful travel insurance recommendation tool, frequently asked questions and online claims information.
- All plans include 24/7 worldwide emergency travel assistance.
Disadvantages
A somewhat confusing system that offers travel insurance only to RBC clients, while another section of the RBC website has travel insurance for everyone, even those who aren’t RBC clients.
Travel Insurance Packages
RBC offers a range of travel insurance packages. These include Single Trip packages (Deluxe Package, TravelCare® Package, Travel within Canada Package, and a Non-Medical Package). There are also Multi-Trip Annual plans (Deluxe Package Multi-Trip Annual Plan and TravelCare® Package Multi-Trip Annual Plan). There’s also a package rider upgrade, which increases the Delay of Baggage & Personal Effects Benefit, among other things.
RBC also offers travel medical insurance plans. The travel medical insurance plans include the Classic Medical Single Trip and TravelCare® Medical Single Trip Plan. Multi-trip annual travel insurance plans include the Classic Medical Multi-Trip Annual Plan, the TravelCare® Medical Multi-Trip Annual Plan, and the 4-Day Getaway Multi-Trip Annual Medical Plan.
There are also Trip Cancellation & Interruption and Visitors to Canada plans.
Refunds
Depending on the insurance you bought, you may be able to get a refund from RBC. RBC offers a 10 Day Free Look option to cancel your purchase. The 10-Day Free Look is only available if you haven’t left for your trip or experienced a situation for which you would need to submit a claim.
Generally, you will not get a refund if a claim has been paid, incurred or reported, or you have already left on your trip. Check your policy for refund details.
You need to know
- Plans are underwritten by RBC Insurance Company of Canada.
- Your insurance may be subject to a maximum of $20,000 if you do not have valid government health insurance plan (GHIP) coverage at the time of claim.
- Policies and coverage can change at any time without warning. This article is only intended as general advice. Please check your policy carefully.
Where Can I Learn More?
If you are not a client of RBC, you can call 1-844-747-9899, learn more by going to RBC’s Travel Insurance page, or visit an RBC Insurance store.
If you are a client of RBC, you can call 1-800-565-3129, head to the Travel Insurance for RBC Clients page, or visit an RBC Insurance store.
Travel HealthProtector® Insurance for RBC Clients
RBC used to offer Travel HealthProtector® Insurance. However, on May 01, 2020, Travel HealthProtector was replaced with new products, highlighted in our Travel Insurance Packages section.
These changes have benefitted RBC clients as there are now more choices, trip cancellation and interruption is available as a package or separate plan, and the medical questionnaire is shorter than before.
Want to Compare RBC’s rates?
The easiest way to compare Canadian travel insurance rates is to use a comparison website.
Comparison websites, like rates.ca, let you compare travel insurance quotes from several companies at once. You type in a few details about your trip and compare policy coverage and prices to help narrow down your choice. Check out our review of rates.ca.