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What Travel Insurance Does My Credit Card Have?
Our travel insurance is there to support you if the unexpected happens. Find out what coverage your card has before you leave home.Disclaimer1
Need Travel Insurance?
Get the coverage that’s best for your trip. Whether you need full coverage or just a top-up, it’s easy to get an online travel insurance quote in minutes.
Call 1-866-292-5233
Our Top Credit Cards with Travel Insurance
Browse our credit cards offering premium travel rewards and benefits, including extensive travel insurance. Once you choose the card that best fits your needs, you can go ahead and apply online in minutes
Understanding Travel Insurance
While every card is different, many of our travel credit cards include some of these popular forms of coverage.Disclaimer2 Please refer to your credit card Certificate of Insurance for complete details regarding these coverages.Disclaimer5
Emergency Medical Insurance
If you are leaving your province or travelling outside of Canada and need emergency medical help, your eligible expenses are covered for a certain number of days as specified on your Certificate of Insurance.
Trip Cancellation Insurance
Sometimes the unexpected happens. If you have to cancel your trip before you leave due to a covered reason, reimbursement can be made to you for the eligible non-refundable and prepaid travel arrangements.Disclaimer6
Flight Delay Insurance
There may be coverage for reasonable expenses including meals and accommodation if you miss your connecting flight or your flight is delayed.Disclaimer6
Trip Interruption Insurance
If you need to cut your trip short unexpectedly due to a covered reason, reimbursement can be made to you for the eligible unused portion of your pre-paid travel arrangements.Disclaimer6 There is also coverage to help you get to your next destination.Disclaimer6
Delayed Baggage Insurance
There may be coverage for reasonable and necessary purchases if your checked baggage is lost or delayed.Disclaimer6
Hotel/Motel Burglary Insurance
If your personal property is damaged or stolen as a result of a break-in of your hotel, motel or cruise cabin, reimbursement can be made to you for the cost of its repair or replacement.Disclaimer6
Auto Rental Collision/Loss Damage Waiver Insurance
Covers you for loss and damage to a rental vehicle up to the actual cash value of the rental vehicle, provided that you executed the rental agreement and paid the entire cost with your credit card.Disclaimer6
Travel Accident Insurance
There may be coverage in the event of an accidental bodily injury resulting in a loss, including death, while travelling on a common carrier, for up to $500,000 CAD.Disclaimer6
Each of our credit cards offer different insurances, so be sure to check your coverage(open in new window) before your leave.
Frequently Asked Questions
Out of Province/Country Emergency Medical Insurance provides coverage for medical expenses related to COVID-19 and its variants, as long as there are no COVID-related travel advisories (such as to avoid all non-essential travel or all travel to that destination) issued by the Canadian government for your destination on the date you leave for your trip.
No, you don’t have to pay for your travel arrangements with your RBC credit card to be eligible for Out of Province/Country Emergency Medical coverage. Coverage is included for the number of days specified in your Certificate of Insurance, and in effect as soon as you leave your province or territory of residence.
Yes, When the cost of your travel arrangements exceeds the maximum coverage included with your RBC credit card, you can buy top-up travel insurance coverage to protect the remaining cost of the trip. You can buy top-up insurance online or by calling 1-866-292-5233.
If you need to purchase additional coverage for your extended stay, please call the Enrollment Centre at 1-866-292-5233 before your insurance expires.
If Covid-19 or its variants prevents you from travelling as planned, your credit card may provide trip cancellation or trip interruption if :
- Your emergency medical condition is due to contracting COVID-19 or its variants.
- Your spouse’s and/or dependent child’s emergency medical condition is due to contracting COVID-19 or its variants.
- In either scenario, a medical certificate completed by a physician is required to submit your claim.
If you have to cancel or interrupt your trip for other reasons related to COVID-19 or its variants such as new travel advisories, your claim will not be covered.
Yes. To qualify for trip cancellation/interruption coverage for any prepaid travel, accommodations and recreation arrangements must have been paid in full with your eligible RBC credit card and/or Avion points. Check your card’s coverage before you leave.
Before you leave, you can buy top-up insurance online or by 1-866-292-5233 calling for the extra days that you’re travelling.
During your trip, call us at 1-866-292-5233 to buy additional coverage.
Emergencies and ClaimsDisclaimer3
Get Medical or Emergency Assistance While Travelling
If you need help during your trip for a medical or other travel emergency, help is available 24 hours a day, 7 days a week.
Call: Toll Free: 1-800-533-2778 (Canada and U.S.)
Call: Collect: (905) 816-2581 (collect from anywhere)
Email: emergencyassistance@allianz-assistance.ca
Include the following informationDisclaimer4:
- Your full name
- Your current location (city and country)
- How you can be reached
- Indicate you have an RBC credit card (do not include your card number)
In a life-threatening medical emergency, get to a hospital immediately and have a family member or friend call Allianz Global Assistance on your behalf as soon as possible.
Submit a Claim
To submit a claim for travel insurance provided under your RBC credit card:
Call: 1-800-464-3211
Visit: the Allianz Claims Portal to submit a claim online
- Create an account (if you do not have one already)
- Sign in to the Claims portal to easily open a new claim, track the status of an existing claim, or complete an existing claim
Discover Other Optional Add-On Services
BalanceProtector Premier Plus
Get coverage for your credit card balance in the event of the unexpected.
Identity & Theft Protection
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RBC Road Assist
Superior roadside assistance 24 hours a day, 365 days a year
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For a full list of eligible RBC Royal Bank credit cards and their travel insurance coverage, please visit https://online.worldprotect.com/weblinkca/en/card-coverage/index.html(open in new window)
Coverages are underwritten by RBC Insurance Company of Canada except for Auto Rental Collision/Loss Damage Waiver Insurance, which is underwritten by Aviva General Insurance Company.
RBC Insurance Company of Canada has appointed AZGA Service Canada Inc. (operating as “Allianz Global Assistance”) as the provider of all travel insurance assistance and claims services.
Regular, unencrypted email is not secure. Please be mindful if including any personal or confidential information in a regular, unencrypted email. To discuss your personal information safely, you may wish to contact Allianz Global Alliance by telephone. For more general cyber security information, please visit our Email & Website Fraud site or to help you spot phishing emails and fake websites, visit our Cyber site.
This is a summary only. All travel insurance is subject to terms, conditions, limitations and exclusions. Refer to the credit card Certificate of Insurance for complete coverage details.
In order to be eligible for all coverages except Out of Province/Country Emergency Medical insurance, trip must be paid in full with your credit card and/or with Avion Rewards points.