RBC Insurance.     

What Types of Insurance are Offered?

• Trip Cancellation
• Trip Interruption & Delay
• Emergency Medical
• Flight & Travel Accident Insurance
• Baggage and Personal Effects
• Rental Vehicle Coverage

Are There Different Types of Policies?

Yes.  The Deluxe Package covers Trip Cancellation, Interruption, Medical Emergency, Accident Insurance and Personal Effects.  You can also buy single types or even some combinations, such as Non Medical.  You can view the Policy Types from RBC Insurance at the bottom of this page.

What is Covered?

RBC Insurance provides coverage for up to 46 different items in their Deluxe Package.

What about the Impact of Travel Advisories?

The Government of Canada offers information for international travellers at voyage.gc.ca   At the top of the web page you can select a country from the drop down box and get the latest Travel Report and Warnings.  Section 4 is the one I use the most, but I also look for travel warnings above the second level.  Insurance won't cover anything past that...ie http://www.voyage.gc.ca/countries_pays/report_rapport-eng.asp?id=79000 for Egypt is at level 3. That means RBC won't even cover death of a family member prior to departure if this warning is on before they buy insurance.

Doesn't My Credit Card Already Provide All the Coverage I Need?

It might.  Credit card companies often cover Check with your credit card company directly.  Check with RBC for a summary of what most credit credit card companies have been covering, but check directly with your credit card company for the most up to date information.

What Age Restrictions Apply?

RBC Policies have different rates for ages under 60, 74 and 80 for medical insurance.  A medical form may need to be completed based on age, pre-existing conditions and type of policy.

Doesn't BC Medical Cover Me Outside of Canada?

Not in any way that is near to sufficient.  BC Medical will reimburse at the schedule of rates for BC and not for the country you are visiting.  A broken leg during a ski accident could cost thousands of dollars in the US and BC Medical would only cover several hundred.  You would be personally liable for the difference and would have trouble getting approved for treatment in the US.

Why would I need Trip Cancellation or Interruption?  Can't I just get a refund myself if I cancel?

Most airfares are non refundable, but might allow a credit for future flights if you cancel or charge a rebooking fee.  Most cruise lines do not offer a refund at a deadline set days or months before the sailing date.  If you cancel for an illness or return early from your vacation, you risk paying for a vacation you didn't take and even paying extra to return early.

Can I Buy Medical Coverage without Trip Cancellation & Delay?

Yes, RBC offers Classic Medical - Under 60 and TravelCare Medical - Age 60 +.  If you are under age 60: pre-existing conditions are covered if they have been stable for at least 90 days before your policy's effective date. If you are over 60 +, you will need to complete a one page medical questionaire to determine your category below.  If you are under 85 years of age and choose not to complete the medical questionnaire, you are automatically placed into the Bronze category.  There is also a printable version of the questionnaire which can be completed and used to determine the totals necessary to obtain a quote.

TravelCare Category	Benefits and Exclusions
HealthSelect®	Unlimited emergency medical benefits.
Gold	Unlimited emergency medical benefits provided any medical condition/related condition has been stable for 90 days prior to your departure date.
Silver Plus and Silver	Unlimited emergency medical benefits provided any medical condition/related condition has been stable for 180 days prior to your departure date.
Bronze	Excludes coverage for medical conditions existing in the 180 days prior to your departure date.

A Medical Condition refers to accidental bodily injury or sickness (or a condition related to that accidental bodily injury or sickness), including disease, acute psychoses and complications of pregnancy occurring within the first 31 weeks of pregnancy.

For insurance purposes, stable is defined as any medical condition or related condition including any heart or lung condition (whether or not the diagnosis has been determined) for which there have been:

• no new treatment, new medical management, or new prescribed medication; and

• no change in treatment, change in medical management, or change in medication; and

• no new symptom or finding, more frequent symptom or finding, or more severe symptom or finding experienced; and

• no new test results or test results showing a deterioration; and

• no investigations or future investigations initiated, or recommended for your symptoms; and

• no hospitalization or referral to a specialist (made or recommended).

What are the Factors Determining Policy Prices

• Age
• Length of trip
• Destination
• Types of coverage (eg is medical being included?)

How Do I Obtain Coverage?

•  Contact Tim Anderson