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.
Will my travel medical insurance cover Coronavirus (COVID-19)?
You will not be covered under emergency medical insurance if you contract COVID-19/Coronavirus, and you travel to a destination in which the Government of Canada has advised Canadians to “Avoid all Travel” or “Avoid all non-essential Travel” to that destination. This means we will not cover any medical claim related to COVID-19/Coronavirus if you travel anywhere outside of Canada effective March 13, 2020 at 5:30pm (EST). See full message from our partner, RBC Insurance above.