RBC Insurance Travel Insurance offers three packaged plans for traveling outside of Canada:
Deluxe Packages: This is the most comprehensive plan offered by RBC Insurance. It includes coverage for unforeseen medical emergencies, trip cancellation and interruption, flight and travel accidents, and baggage loss, damage and delay.
Emergency medical treatment includes:
- Hospital accommodation in a semi-private room
- Services of a legally licensed physician, surgeon, anaesthetist or nurse
- Private duty nursing
- Ground or air ambulance
- Rent or purchase a hospital bed, wheelchair, brace, crutch or any other medical appliance
- Diagnostic tests
- Prescription drugs and medications
- Paramedical services, such as care from a chiropractor, osteopath, physiotherapist, chiropodist or podiatrist, up to $300 per profession
- Ambulance transportation
- Emergency dental due to a blow to the face (emergency expenses covered during your trip, plus $1,500 when you return home)
- Emergency dental due to pain, up to $300
Medical benefits also include coverage for bringing someone to your bedside, expenses for meals, hotel accommodations and associated expenses if a medical delay prevents you from returning home, repatriation expenses, return of your remains if you die and a hospital allowance for expenses such as parking and TV rental.
Non-Medical Packages: If you have medical coverage elsewhere, such as a RBC travel credit card, this covers trip cancellation and trip interruption, flight and travel accidents, and baggage loss, damage and delay.
TravelCare Package: For travelers over age 75, this package includes coverage for unlimited emergency medical, trip cancellation and interruption, baggage loss, damage and delay, and flight and travel accidents. Pre-existing conditions may also be covered depending on your answers to a medical questionnaire and the TravelCare category for which you qualify. There are three TravelCare categories: Gold, Silver and Bronze. Travelers with a score of zero on the questionnaire will be assigned to the Gold category that stipulates a 90-day stability period for pre-existing conditions. Travelers with median scores (between 5 and 35) will be assigned to the Silver category that requires a 180-day stability period, while travelers with the highest scores (40 and over) will be assigned to the Bronze category that requires a 365 day stability period. Here are some examples of questions and the related scores:
- Have you ever, in your lifetime, been diagnosed with any heart conditions? (No= 0, Yes = 20)
- In the last 12 months have you received or has your physician recommended chemotherapy or radiation therapy for any cancer condition? (No = 0, Yes = 5)
- In the past 12 months, have you used or been prescribed oxygen? (No = 0, Yes = 40)
Family plan pricing is available for both the Deluxe Package and Non-Medical Package.
When you go through the quote process, RBC Insurance also offers basic prices Cancellation and Interruption Insurance and Classic Medical insurance.