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RBC Travel Insurance- Covered or Not Covered?

You’ve invested a lot of time and money in planning the perfect vacation. Why take a chance that an unexpected event will mean you lose your investment? Make travel insurance an essential step in your holiday planning.  For a fraction of the cost of your getaway, you can help protect yourself from the financial fallout from an accident or illness, lost luggage, cancellation, or other emergencies. We recommend buying travel protection at the same time as you book your trip.

Travel with peace of mind

Covered or Not Covered?

While on board my Mexican cruise, someone has a medical emergency and has to be medically evacuated by helicopter from the ship. The ship has to turn and sail back into U.S. waters. By the time I reach my final destination, I miss my flight due to the delay of the ship.

Would I be covered for the cost of my flight home?

YES! Insurance would cover either the change fee charged by the airline or up to one-way economy airfare to get you home. It would also cover the hotel, meals and transportation costs that you may incur.

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Covered or Not Covered?

I decide to book a ticket to a baseball game while I am in port after I have left on my cruise. My sister who is with me gets sick and now we can't go.

Would I be covered to get my money for the baseball tickets back?

YES! Insurance would pay up to $100 per ticket to a maximum of $500 for shore excursions, theatre tickets, sporting event tickets that you have purchased after departure due to  sickness or your travelling companion’s illness.

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Covered or Not Covered?

While driving to the airport to catch my flight to the cruise, there is a very bad accident on the bridge that I have to go over to reach the airport. I have no way to take another route. I’m going to miss my non-refundable flight connection to the cruise.

Would I be covered for my new flight?

YES! Insurance would pay the change fee or one way airfare to catch you up to the cruise which may be the next port. It would also cover your unused days of the cruise, hotel, meals and transportation costs that you may incur.

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Covered or Not Covered?

I have been summoned for jury duty after I book my trip and I can't get out of it. I am going to lose all my money.

Would I be covered to get my money back?

YES! Insurance will reimburse you for all your non-refundable pre-paid travel arrangements.

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Covered or Not Covered?

My friend gets laid off and now she can't justify taking the cruise we had planned to take together. I want to cancel as I really want to go with her once she gets back to work.

Am I covered to cancel?

YES! Insurance will refund your non-refundable pre-paid travel arrangements.

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Covered or Not Covered?

There has been a schedule change by the airline and I’m  going to depart 8 hours later then planned. I am now going to miss the ship.

Would I be covered for a flight to catch me up so I don't miss the ship?

YES!  Insurance will pay up to $1000 towards the cost of a one-way economy airfare to get you to the ship on time. 

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Covered or Not Covered?

I just got on my cruise and I was notified that my dad has been in a very bad car accident and is in the hospital.

In addition to being reimbursed for my flight home and unused cruise, would I get a bonus towards future travel if I buy insurance?

YES!  If you miss more then 75% of your trip due to hospitalization or death of an immediate family member, you would get a voucher up to $750 toward future travel.

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Covered or Not Covered?

My travelling companion needs to get a travel visa for one of the countries that we will be visiting on our cruise. For reasons beyond his control, he doesn't get it and now is unable to travel.

Can I get my money back as I don't want to go without him?

YES!   Insurance will reimburse your non-refundable pre-paid travel arrangements.

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Covered or Not Covered?

A meteor falls from the sky and puts a big hole in my roof, and I now can't live in my house. I can't go on my trip, as I have to deal with the situation.

Would I be covered to cancel? 

YES! Insurance will pay for an event completely independent of any intentional or negligent act that renders your principal residence uninhabitable.

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Covered or Not Covered?

While sailing back to my departure point, the ship encounters rough seas due to weather and we’re to navigate a tight channel as we need to sail through it at the right tide. I now have missed my non-refundable flight home.

Would Insurance pay me for the new flight I have to book?

YES! Insurance will pay for the change fee or the one way economy airfare to get you home and any additional hotel, meal transportation costs that you may incur.

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Important:  Your RBC Insurance coverage is subject to the terms and conditions of the policy.