Why do I need Travel Insurance?
 Does my Government Health Insurance Plan cover me?
 Who is the Insurer for Travel HealthProtector insurance?
 What are the benefits of Travel HealthProtector insurance?
 Who is eligible to purchase Travel HealthProtector insurance?
 When does Travel HealthProtector coverage begin?
 When does Travel HealthProtector coverage end?
 Can coverage be extended during my trip?
 What assistance services are available?
 How do I get more information or enroll for Travel HealthProtector insurance?

Why do I need Travel Insurance?

When you're travelling, even a minor accident or sickness can become a large expense. The cost of a hospital bed in the US could cost as much as $10,000 per day. Beyond medical benefits, travel insurance may provide coverage for lost or damaged baggage, reimbursement of expenses due to trip interruption and Flight & Travel Accident insurance.

Does my Government Health Insurance cover me?

Government health insurance plans (GHIP) typically cover only a limited portion of your medical costs once you leave your home province or territory. The reality is that when you leave Canada you're leaving a portion of your GHIP behind.

Who is the Insurer for Travel HealthProtector insurance?

Travel HealthProtector insurance is underwritten by RBC Insurance Company of Canada, the leading provider of travel insurance in Canada.

What are the benefits of Travel HealthProtector insurance?

Travel HealthProtector insurance provides comprehensive coverage through the following benefits:

The Basic Plan provides:

• Unlimited Emergency Medical Hospital Coverage
• Emergency Dental Coverage
• Emergency Medical Transportation
• Other Professional Services
• Companion Transportation
• Subsistence Allowance
• Emergency Message Centre
• Return to your Trip Destination
• Return of your Dog or Cat
• Return of your Excess Baggage
• Domestic Services

The Enhanced Plan provides:

• All of the benefits of the Basic Plan PLUS
• Trip Interruption / After Departure Insurance
• Baggage & Personal Effects Insurance
• Flight & Travel Accident Insurance

Please refer to the Certificate of Insurance for full details.

We are pleased to now offer a Non-Medical package which includes Trip Cancellation Coverage for single trips in addition to our other Travel HealthProtector products. If you require Trip Cancellation Coverage to be part of your travel insurance package, please contact us at 1-800-565-3129 any time between 6 a.m. to 12 a.m. ET, seven days a week to apply.

Who is eligible to purchase Travel HealthProtector insurance?

Regardless of your age or medical condition all applicants are eligible to purchase Travel HealthProtector insurance provided you are:

1. a client of the RBC companies, or a spouse, natural, adopted or foster child(ren) of a client;

and

2. a resident of Canada covered under a government health insurance plan (GHIP) for the full duration of your trip (this insurance is subject to a maximum of $20,000, if you do not have valid government health insurance plan coverage at the time of a claim)

When does Travel HealthProtector coverage begin?

For a Single-Trip Plan, coverage begins on the effective date shown in the Application for Insurance

For a Multi-Trip Annual Plan, coverage begins the date you leave your Canadian province or territory of residence, for each trip.

When does Travel HealthProtector coverage end?

• the return date shown in the Application for Insurance (or expiry date for Multi-Trip Annual plans), or
• the date you actually return to your Canadian province or territory of residence.

Can coverage be extended during my trip?

For Single Trips:

1. You can extend coverage by calling the Enrollment Centre toll-free in North America at 1-800-565-3129 or collect from anywhere at (905) 816-2577 provided no event has occurred that would give rise to a claim under the insurance, and you request an extension before your coverage expires.
2. If you have had a medical condition under your existing coverage, you must request the extension by contacting Assured Assistance Inc. before your return date. The extension is subject to the approval of Assured Assistance Inc.

For Multi-Trip Annual Plans:

Extensions are not available. Instead you may top-up your coverage by purchasing a Single Trip Plan for the additional number of days beyond the duration provided by your Multi-Trip Annual Plan to a maximum of 183 days in total. Please call the Enrollment Centre toll-free in North America at 1-800-565-3129 or collect from anywhere at (905) 816-2577.

What assistance services are available?

The following assistance services are available:

Medical Assistance and Consultation
When you have a medical emergency and you call the Assistance Centre, you will be directed to a medical service provider near you.

Payment Assistance
Whenever possible, the payment of eligiible medical services you receive will be coordinated through the Assistance Centre, communicated with your medical provider and billing arrangements will be discussed.

Emergency Message Centre
In case of a medical emergency, the Assistance Centre will help exchange important messages with your family, business or physician.

Replacement coordination for things like prescription eyeglasses or essential prescription medication.

Assistance with arranging:

• emergency cash
• lost travel documents
• legal referrals, and
• bail bond transfers

How do I get more information or enroll for Travel HealthProtector insurance?

1. Visit any RBC Royal Bank branch across Canada to obtain your copy of the Travel HealthProtector brochure.
2. Apply online: travellers can enroll online through Online Banking.
3. Call our Enrollment Centre:
       1 800 565-3129 (toll-free from the US & Canada)
       (905) 816-2577 (collect from anywhere)
   

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