As one of the biggest banks in Canada, RBC offers travel insurance alongside its large suite of other banking products. With RBC travel insurance, you'll have the option of being covered by all the basics, including travel medical, trip cancellation, and trip interruption – all backed by a big bank you likely already know and trust. Helping take things to the next level are the registered nurses and physicians that are available 24/7 to help you with your needs.
But as with most big banks, you'll likely pay a bit more to get the privilege of being covered by RBC travel insurance. It's important to always shop around before committing to an insurance policy.
RBC travel insurance features
Here are the features of RBC travel insurance.
Why You Want It
Includes comprehensive, medical, and trip cancellation + 24/7 support.
Special Features
- 24/7 worldwide emergency travel assistance
- Multilingual assistance
- Registered nurses and consulting physicians available 24/7
Eligibility
- Canadian resident (plans available for non-Canadians visiting Canada)
- Covered by your government health insurance plan
- Under 60 and travelling for 183 days or less
- Over 60 and under 75 and travelling for 60 days or less
Provinces
ALL
Features
Travel Accident
See Issuer for Details
Emergency Medical
$Unlimited
Trip Cancellation
See Issuer for Details
Trip Interruption
See Issuer for Details
Flight Delay
$1,750
Baggage Loss, Damage, Delay
$1,000
Hotel Burglary
N/A
Rental Car Theft And Damage
Rental Car Accident
N/A
Rental Car Personal Effects
N/A
Student Plans Available?
RBC travel insurance product rating: 3.5 stars
RBC travel insurance is a convenient option – especially if you're already an RBC banking client. You can easily get a quote online, all while already being familiar with the big bank. The insurance covers many of your main options, including travel medical, travel cancellation, and travel interruption.
But you'll want to do some comparison shopping when it comes to those premiums – there may be way better deals for you out there, depending on your situation.
Rating methodology
To calculate our Genius Ratings, we compare the features of the account or product in question with other similar products in Canada. We give each feature a score out of 5 based on that comparison. Once we’ve rated all the features, we run them through our proprietary algorithm to produce a final rating out of 5.
Learn more about our rating methodology.
The pros of RBC travel insurance
Let's take a look at reasons you'd want to go with RBC travel insurance over other options.
Pros
Includes most main types of travel insurance we track
There are 4 main types of RBC travel insurance packages: comprehensive, travel medical, trip cancellation and interruption, and a travel within Canada plan. With these 4, RBC covers the majority of the main types of travel insurance, including travel accident and emergency medical.
Single trip and multi-trip coverage available
If you're planning on making several trips over the next year, opting for the multi-trip annual plan coverage could actually save you money. Though it's more expensive at the outset, it'll cover you for an unlimited number of trips during a 365 day period. Just note that each of those trips will only have a certain amount of coverage, ranging between 4 and 60 days.
Plans with seniors in mind
Of the 4 main comprehensive RBC travel insurance packages, most of the plans allow up to 64 or 74 years old. But the TravelCare Package is made specifically with seniors in mind, giving you the most coverage if you're over 65 (multi-trip) or 75 (single trip). On top of that, the Non-Medical Package and Travel Within Canada Package both are advertised as all ages.
Registered nurses and physicians available 24/7
On top of their 24/7 worldwide claims emergency assistance, RBC also has consulting physicians and registered nurses available to help 24/7. They could be a great source of information and comfort if you're ever stuck in a foreign place with an emergency medical situation on your hands.
Discount if you're travelling in a group of 10 or more
If you're travelling with 10 or more people, you can buy travel insurance for everyone, and each traveller will receive a discount. Each person will also receive coverage personalized to their own needs.
The cons of RBC travel insurance
Here are a few things to keep in mind about RBC travel insurance.
Cons
Not a lot of customization options
Some travel insurance companies give you nearly full control over what's included in your plan, helping you tailor your premiums to your needs. While RBC does have several pre-built options available, there's not much you can do to change the specifics of those plans.
Expensive premiums
If you go with a big bank like RBC, chances are you're not going to be getting the best price. In fact, when we did a comparison between 8 travel insurance companies here, RBC had the highest starting price and widest price range.
Doesn't offer COVID travel insurance
If you were hoping to get some coverage for COVID-related expenses, RBC travel insurance won't provide that for you. Where other companies have made an effort to accommodate these concerns, RBC has chosen not to.
RBC travel insurance alternatives
Here's how RBC compares to your other travel insurance alternatives.
 |  |  |  | |
|---|---|---|---|---|
| Account | RBC Travel Insurance | soNomad | TD Travel Insurance | Manulife CoverMe Travel Insurance |
| Genius Rating | ||||
| Why You Want It | Includes comprehensive, medical, and trip cancellation + 24/7 support. | Pay 25% less for coverage on average + Get a free, no-commitment quote in minutes. | Choose from 4 plans + convenient online quotes and claims 24/7. | Offers COVID-19 travel coverage + Save on premiums if you’re a student. |
| Travel Accident | See Issuer for Details | $25,000 | $200,000 | $50,000 |
| Emergency Medical | $Unlimited | $2,000,000 | $5,000,000 | $10,000,000 |
| Trip Cancellation | See Issuer for Details | $20,000 | $25,000 | See Issuer for Details |
| Trip Interruption | See Issuer for Details | $25,000 | $25,000 | $Unlimited |
| Flight Delay | $1,750 | $1,000 | $700 | $2,700 |
Show More | ||||
| Get a quote See more RBC products Compare | Get a quote See more SoNomad products Compare | Learn More See more TD products Compare | Learn More See more Manulife products Compare |
FAQ
What is RBC travel insurance?
RBC travel insurance is a single-purchase type of insurance coverage you can buy to protect your future trips, offered by a big bank. You have the choice of buying a single trip plan, or save money with a multi-trip plan if you're planning on travelling multiple times in the next year. This insurance will help cover certain travel expenses, like emergency medical, lost baggage, and cancelled plans.
How do I make a RBC travel insurance claim?
You have 4 main options for making a claim with RBC: online, over the phone, via fax, or through the mail. The best tip to keep in mind is to contact RBC as soon as possible to make your claim. For more information, you can call RBC Insurance toll-free at 1-800-387-2487.
What's the cost of RBC travel insurance?
The cost of RBC travel insurance will vary significantly with many factors that are part of the application process, namely your age, where you're going, how long you're going for, and how much you want to be covered for. You can get a quote right on RBC's website, but our research does show it's more expensive than most choices.
How do I apply for RBC travel insurance?
Applying for RBC travel insurance is easy. You can do it right on their website in a matter of minutes and you'll usually be given the option to buy coverage right away. You can also call 1-855-547-9944 if you prefer to talk to a real agent.
What is RBC travel insurance contact information?
If you're making a claim, you can call RBC travel insurance at 1-800-387-2487. The call center will be open 8 am to 5pm ET, Monday to Friday (note: you can also make the claim online 24/7). If you're just looking for information on policies, you can call 1-855-547-9944.
Is RBC travel insurance good?
RBC travel insurance is middling at best. It's especially strong in its wide variety of availability for seniors, and it doesn't hurt that it's backed by the reputation of a big bank. But the premiums are high, the policies aren't highly customizable, and they've neglected COVID coverage.
Editorial Disclaimer: The content here reflects the author's opinion alone, and is not endorsed or sponsored by a bank, credit card issuer, rewards program or other entity. For complete and updated product information please visit the product issuer's website.
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