Royal Bank Travel Health Insurance Coverage Options

Royal Bank offers several travel health insurance coverage options to suit different needs and budgets.

You can choose from single-trip, multi-trip, and annual policies.

Single-trip policies cover you for a specific trip, while multi-trip policies cover you for multiple trips within a year.

Annual policies provide year-round coverage for frequent travelers.

Coverage options include medical, hospital, and travel-related expenses, such as trip cancellations and interruptions.

You can also add optional coverage for pre-existing medical conditions, adventure activities, and luggage loss or theft.

Each policy has its own set of benefits and limits, so it's essential to carefully review the policy details before purchasing.

If you have an RBC Royal Bank credit card with travel coverage, you're already halfway to having peace of mind on your next trip outside of Canada.

Complete coverage is available in a single package, which is perfect for travellers who want the most coverage for their trip.

TravelCare Package is designed for mature travellers who want the most coverage for a trip outside of Canada. It offers a range of options, including single trip and multi-trip annual plans, as well as different trip duration options.

Here are the key features of the TravelCare Package:

This insurance covers reasonable and customary expenses for emergency services medically required during your trip as a result of a medical emergency.

If you're looking for complete coverage in one package, consider the TravelCare Package. This plan offers options for single trip and multi-trip annual plans.

The TravelCare Package includes 9-, 16-, or 30-day trip duration options for multi-trip annual plans. You'll need to call to inquire about the 30-day option.

Pre-existing conditions may be covered depending on the TravelCare Category you qualify for. This is great news for those with pre-existing medical conditions.

The TravelCare Package also offers a Package Upgrade Rider, which can provide additional coverage. You'll also have access to 24-hour worldwide emergency medical assistance.

Here's a quick summary of the TravelCare Package options:

RBC clients can enjoy the benefits of the TravelCare Package, including no health questions and coverage for stable pre-existing medical conditions. This makes it a great option for those with pre-existing conditions.

Coverage Period is a crucial aspect of your insurance. Coverage begins whenever you leave your province or territory of residence and lasts for the first 31 consecutive days of a trip.

This initial 31-day period includes the date you leave on your trip and the date you return from your trip. If you're hospitalized due to a medical emergency beyond the 31-day limit, your coverage will remain in force during your hospitalization and up to 5 days following your discharge from hospital.

Coverage can be extended beyond the 31-day limit in certain situations, such as when you must delay your return due to a medical emergency or when your plane, bus, ship, or train is delayed. In these cases, coverage is automatically extended for up to 5 days or 72 hours, respectively.

Coverage ends at the earliest of several dates, including the date you return to your province or territory of residence, the date your RBC Royal Bank Visa Gold Preferred account is cancelled, or the date your account is 60 days past due.

Here's a summary of when coverage begins and ends:

Coverage doesn't start and end at the same time for everyone.

If you need emergency services and don't call Assured Assistance first, you'll have to pay 20% of your medical expenses, up to a maximum of $25,000.

You must call Assured Assistance as soon as medically possible if your medical condition prevents you from calling beforehand.

If you're an employee with a group health plan that has a lifetime maximum coverage, you'll need to check your plan details to see how it affects your coverage.

If your claim exceeds $25,000 after your government health insurance plan has reimbursed you, this insurance will pay 100% of eligible expenses over and above $25,000.

Coverage will end if you're 65 or older, or if the group insurance policy terminates.

Royal Bank Travel Health Insurance covers pre-existing medical conditions, but only if you purchase a policy before your trip.

You can purchase a policy for a single trip or an annual multi-trip policy, which can be more cost-effective for frequent travelers.

The maximum age limit for coverage is 79 years old, and you can purchase a policy for a minimum of 5 days up to a maximum of 24 months.

The Deluxe Package is a comprehensive travel insurance plan that offers a range of benefits to travelers.

It includes unlimited emergency medical coverage, which is a huge relief for anyone who's ever had a medical emergency while traveling. This coverage can help pay for medical expenses, including hospital stays, doctor visits, and medication.

You can choose from single trip or multi-trip annual plan options, depending on your travel plans. If you opt for the multi-trip annual plan, you can select from 9-, 16-, or 30-day trip duration options.

The Deluxe Package also covers trip cancellation and interruption, baggage loss, damage, and delay, as well as flight and travel accidents. This means that if your trip is cancelled or interrupted due to unforeseen circumstances, you can be reimbursed for your losses.

Here are the key benefits of the Deluxe Package:

As an RBC client, you're eligible for even more benefits, including no health questions and coverage for stable pre-existing medical conditions. Family plan pricing is also available, making it easy to protect your loved ones on your travels.

If you have a pre-existing medical condition, it's essential to understand the exclusion rules that apply to your travel insurance.

The TravelCare Package, for example, doesn't pay for expenses related to your medical condition if it wasn't stable 90 days before your trip.

You'll need to carefully review the Pre-Existing Condition Exclusion rules to ensure you're aware of what's covered and what's not.

Certain conditions, like heart or lung conditions, are specifically excluded if they weren't stable 90 days before your trip.

The good news is that the TravelCare Package does offer a Package Upgrade Rider, which may provide additional coverage for pre-existing conditions in some cases.

However, it's crucial to note that you'll need to call to inquire about the 30-day trip duration option for the multi-trip annual plan.

In any case, make sure to review the Pre-Existing Condition Exclusion rules carefully before purchasing your travel insurance.

If you need to make a claim due to a medical emergency, it's essential to call Assured Assistance as soon as possible.

You have 30 days from the date medical or other expenses were first incurred to notify the Claims Centre of your claim.

To have your claim reviewed, you'll need to submit a completed claim form, which can be obtained from the Claims Centre.

You'll also need to provide original bills, invoices, and receipts, as well as any required government health insurance plan forms.

Make sure to include proof of any payments or denials made by other insurance plans, and a complete diagnosis from the physician(s) and/or hospital(s) who provided the treatment.

Traveling abroad can be a thrilling experience, but it's essential to be prepared for any unexpected medical expenses. A minor accident or sickness can become a major expense, especially since your Government Health Insurance Plan (GHIP) typically covers only a limited portion of your medical expenses once you leave the country and your province.

A four-day stay in a U.S. hospital for an appendectomy could cost $39,400 (USD), with only $1,600 (CAD) covered by your GHIP. This leaves a significant gap in coverage that can be easily filled with travel insurance.

Travel insurance can cover your entire family for the duration of your trip, and family pricing is generally available to help you save on the coverage you need. If you travel regularly, a multi-trip annual travel insurance plan that can offer protection for a full year, regardless of the number of times you travel, is a smart option to consider.

Some travel insurance providers, like RBC Insurance, offer 24/7 access to a caring team of medical professionals – no matter how big or small your emergency. They also provide multilingual assistance from caring professionals, ready to help you wherever you are in the world.

Here are some key benefits of RBC Insurance's travel coverage:

With travel insurance, you can have peace of mind knowing that you and your family are protected in case of an emergency.