Travel insurance

The added peace of mind that comes with travel insurance can come with added questions. So here are a few frequently asked questions to help make your holiday a little more carefree.

In general, any Canadian resident can purchase some form of coverage with RBC Insurance. Where you are travelling, your health and the length of your trip may affect the specific coverage(s) available to you.

Will my age affect my eligibility for travel insurance?

Generally speaking, no. Age can affect eligibility for certain coverages but there are packages and plans that cover all age groups. If you are age 65 or older, you may need to answer a few questions about your health to make sure you have the most appropriate coverage.

Will a pre-existing medical condition affect my travel insurance coverage?

Depending on your age, medical condition and, if applicable, your answers to our health questions, pre-existing medical conditions are covered if they are stable for a certain time period, as specificed in your policy, before your policy's effective date.

My spouse is travelling with me. Do I need to buy travel insurance coverage for him or her?

Yes, it is recommended that you buy coverage for your spouse as well.

Do I need to buy separate travel insurance if one of my children is travelling with me?

If your child is under 2 years old and you are purchasing the Deluxe Package or a TravelCare® Package, then your child receives emergency medical coverage at no extra cost. If your child is 2 or older, you'll need to purchase emergency medical coverage for him or her.

Please note: if you purchase a seperate airline ticket for a child, regardless of age, a seperate trip cancellation and interruption policy would have to be purchased in order to have coverage.

The right coverage for your trip depends on where you're travelling to, how long you’ll be gone, the kind of transportation you'll be using and, in some instances, your overall health. View all of our travel insurance products now.

Can I extend my emergency medical coverage if I extend my trip?

You may extend your coverage if you extend your trip, subject to certain conditions of your policy.

Does my travel insurance cover me if I participate in any sports during my trip?

There are a number of sports that are not covered during your trip. For more details, be sure to read the Exclusions section of your policy document.

Why should I buy trip cancellation and interruption insurance?

The cost of a trip can be a significant financial investment. With trip cancellation and interruption insurance, you're protected when certain situations prevent you from travelling as planned. Examples include:

  • You can't travel due to an illness, job loss or immediate family member's medical emergency
  • You need to return home earlier than scheduled because of a family emergency or medical condition


Do I need travel medical insurance when I travel within Canada?

Yes, if you are travelling outside your home province or territory. Accidents can happen anywhere, and government health insurance plans have limits on reimbursement of emergency medical expenses incurred while you are in another province. For example, ambulance fees, emergency dental treatment and prescription drugs might not be covered by some government health insurance plans.

Will my government health plan cover me for travel in the U.S.?

Carefully review your government health plan coverage. Government plans typically cover only a limited portion once you leave the country. The Canadian Government urges Canadians to purchase supplemental health insurance:

Out-of-country health care can be costly, and your health plan may not cover any medical expenses abroad.

Government health insurance plans also don't provide coverage for situations such as lost, damaged or delayed baggage or trip cancellation and interruption. Our travel insurance can provide these coverages and more. 

Do I need travel medical insurance when travelling abroad?

An accident, illness or medical emergency can happen anywhere, anytime. With emergency medical coverage, you have access to the RBC Insurance travel emergency assistance network. Their representatives are there for you 24/7 and are highly experienced in coordinating emergency care for travellers in foreign countries.

They are multilingual and have 24-hour access to real-time translation services. RBC Insurance can provide the help you need in your own language—and also have someone to communicate on your behalf with medical personnel who may speak a different language.

Whenever possible, RBC Insurance will also request for the medical service provider within the network to bill the covered medical expenses directly to us instead of you—reducing your stress and hassle. 

Learn about all travel insurance packages available through RBC Travel Insurance, or check out a few more frequently asked questions.

How far in advance of my trip's departure date must I purchase travel insurance?

You must purchase coverage before departing on your trip. You may benefit from purchasing coverage as soon as you make your initial trip deposit, especially if you are purchasing trip cancellation and interruption insurance—either as stand-alone coverage or as part of one of the RBC Insurance packages.

What do I need to know about completing the health questions for travel insurance coverage?

Your answers to the health questions (if applicable) will be used to help determine the benefits you are eligible to receive under your insurance policy.

When answering the health questions:

  • Take your time. The questions may take up to 10 minutes to complete.
  • You (the applicant) should complete and sign the Medical Questionnaire. (If you have someone else complete the Medical Questionnaire on your behalf, it is still your responsibility to make sure the answers to the questions are correct.)
  • Read and answer each question carefully and accurately. Review your answers to confirm they are correct. Incorrect answers may lead to your coverage being voided or your claim denied.
  • Have your prescriptions or a description of your medications nearby for reference.
  • If you are unsure about any questions regarding your medical condition or medications, please speak to your physician.

Will my travel insurance policy pay my emergency medical bills up-front?

If you purchase travel insurance from RBC Insurance, they will pay the eligible bills directly to the hospital or physician whenever possible.

Will travel insurance pay my expenses if I’m on a trip and I am called home for an emergency?

If you purchase trip cancellation and interruption insurance, it will help pay for your expenses to return home in the event of a covered emergency. There are a number of circumstances that qualify as an emergency (for example, the death or serious illness of a family member). The cost of cancelling a trip prior to departure can be very expensive, as most trips are non-refundable, especially if you have to cancel just before leaving on your trip. Having to return early from a trip can also be very expensive. Either way, trip cancellation and interruption insurance are very important to protect your travel investment.