Travel Professionals International
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Safeguard your trip with travel insurance from RBC Insurance
 

Why is travel insurance ESSENTIAL?

 In a world where anything can happen, even the best planned trips can go off track. That’s why travel insurance is essential when you book a vacation or business trip. It’s the responsible choice.

 Where in the world would you be without travel insurance?

 What if you had to:

·         Cope with a travel emergency in a foreign country?

·         Pay out-of-pocket for medical expenses?

·         Replace lost clothing or jewellery?

·         Suddenly had to rush home because of an emergency?

·         Deal with a medical emergency while travelling within Canada?

 Did you know…

• That when travelling abroad, the Canadian government health insurance plan only covers a fraction of the medical costs?
• That when travelling within Canada, provincial health plans often exclude and limit payments for emergency and medical expenses?
• That the insurance offered by your Credit Card issuer:
  • May not be automatic and you have to enrol.
  • May not offer cancellation or interruption coverage.
  • May have health or age restrictions.
  • May have a maximum amount payable for emergency medical coverage and there may be a lifetime maximum.
• That your Group Plan at work:
  • May not cover you outside Canada, or the USA, or around the world.
  • May not offer cancellation, interruption or lost baggage.
  • May have a maximum amount payable for emergency medical coverage and there may be a lifetime maximum.
  • May not provide 24-hour emergency assistance.
  • May not cover all the members travelling in your group.

Here is a brief summary of the different travel insurance plans that I suggest. This is only a very brief summary, and you should read the full document as highlighted for the full details.

All insurance policies should be booked at the time of booking your vacation. The cost of insurance will be in addition to the deposit for the vacation.

RBC Deluxe Travel Insurance covers your emergency medical needs; doctor visits, tests, hospitalization, etc. This plan also covers cancellation, interruption and trip delays, flight accident, travel accident, delayed baggage & personal effects and damaged baggage.
 Deluxe Package (for ages 74 and under)

Insurance Coverage	Benefit	Maximum Sums Available
Cancellation & Interruption Insurance	Trip Cancellation - Before departure:	Up to the sum insured
	Trip Interruption - After departure:	Economy Class Transportation: Unlimited
	Trip Interruption – Unused Portion of Prepaid Travel Arrangements	Unlimited
	Subsistence allowance:	$3,500
	HolidaySure Plan®:	$750 travel coupon
	Connection benefit:	$1,000
Emergency Medical Insurance	Medical & other benefits:	Unlimited1
	Subsistence allowance:	$3,500
Baggage & Personal Effects Insurance	Loss of, or damage to, baggage & personal effects:	$1,0002
	Delay of baggage & personal effects:	$4003
Flight Accident Insurance	Death, double dismemberment, loss of sight of both eyes, or complete and irrecoverable loss of speech or hearing4:	Principal sum: $100,000
Travel Accident Insurance	Death, double dismemberment, loss of sight of both eyes, or complete and irrecoverable loss of speech or hearing4:	Principal sum: $50,000

1.                  This insurance is subject to a maximum of $20,000 if you do not have valid government health insurance plan coverage.

2.                  The maximum for any one item or set of items is $500. The maximum sum insured per person or per family does not exceed $2,000 in total for all coverages issued by us.

3.                  This insurance is available while en route and before returning to your departure point.

4.                  You are entitled to a maximum of the largest amount specified for one of these benefits

Non-Medical Package (for all ages)

1.                  The maximum for any one item or set of items is $500. The maximum sum insured per person or per family does not exceed $2,000 in total for all coverages issued by us.

2.                  This insurance is available while en route and before returning to your departure point.

3.                  You are entitled to a maximum of the largest amount specified for one of these benefits.

Classic Medical Plan (for ages 59 and under)

1.                  This insurance is subject to a maximum of $20,000 if you do not have valid government health insurance plan coverage.

2.                  Please see policy for limits on the transportation container, cremation and burial at location.

3.                  Benefit is emergency dental expenses to repair or replace natural or permanently attached artificial teeth incurred during the trip and up to a maximum of $1500 for continued necessary treatment after returning to Canada.

 
Cancellation and Interruption Plan

1.                  This insurance is subject to a maximum of $20,000 if you do not have valid government health insurance plan coverage.

2.                  The maximum for any one item or set of items is $500. The maximum sum insured per person or per family does not exceed $2,000 in total for all coverages issued by us.

3.                  This insurance is available while en route and before returning to your departure point.

4.                  You are entitled to a maximum of the largest amount specified for one of these benefits.