RBC Travel Insurance review
Best for: Travellers with provincial health coverage who want unlimited emergency medical, and frequent short-trippers who want an annual plan without medical questions.
With valid government health coverage. Otherwise capped at $20,000.
Classic and TravelCare Medical single trips. Annual: 4 to 60 days per trip.
Classic is 0 to 64. TravelCare Medical is 65+ with health questions.
Pages disagree on which plans the 180-day rule covers. Check the policy.
The bottom line
RBC Insurance lists unlimited emergency medical on its main medical plans and packages, as long as you have valid government health coverage. Its range includes a 4-Day Getaway annual plan with no medical questions and a Classic Medical plan for ages 0 to 64 with no deductible. Stability rules for travellers 60 and older are inconsistent across its pages, and no COVID-19 wording was found, so check the policy.
Pros & cons
Pros
- Unlimited emergency medical with valid government health coverage
- 4-Day Getaway annual plan with no medical questions up to age 74
- No deductible on Classic and TravelCare Medical
- Single-trip coverage up to 365 days if eligible
- 24-hour worldwide assistance through Allianz Global Assistance
Cons
- Stability rules for ages 60 and older conflict across pages
- No COVID-19 or pandemic wording found on the pages we read
- Some 30- and 60-day annual options require a phone call
- Medical cover capped at $20,000 without government health coverage
A wide range with unlimited medical for insured Canadians and a no-questions option for short trips. Conflicting stability wording and missing COVID-19 terms mean you should read the policy before buying.
Suits you if
- You take many short trips of 4 days or less.
- You’re 64 or younger and want no health questions.
- You want no deductible on your medical plan.
Look elsewhere if
- You need clear COVID-19 wording before you buy.
- You lack valid provincial health coverage.
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Plans RBC Insurance offers
RBC Insurance lists single-trip medical, multi-trip annual, a 4-Day Getaway multi-trip annual plan, all-inclusive and non-medical packages, trip cancellation and interruption, travel within Canada, visitors to Canada and top-up coverage. The medical plans are Classic, TravelCare and 4-Day Getaway, and the packages include Deluxe and TravelCare. Travel insurance is underwritten by RBC Insurance Company of Canada.
Emergency medical and trip length
RBC lists unlimited emergency medical on the Deluxe, TravelCare and Travel within Canada packages and on the Classic, TravelCare and 4-Day Getaway medical plans. That’s subject to a maximum of $20,000 if you don’t have valid government health insurance plan coverage. Visitors to Canada Plan III goes up to $150,000, Plan II up to $50,000 and Plan I up to $25,000.
Trip length depends on the plan. These values come from comparison tables matched to plans by layout, and they agree with the plan pages where both state them:
- Classic and TravelCare Medical single trip: 183 days, or up to 365 days if eligible
- Deluxe Package: 183 days, or 60 days at 60 and older; TravelCare Package: 60 days
- Travel within Canada and Non-Medical packages: 365 days
- Annual medical plans: 9, 16, 30 or 60 days per trip; call for 30 or 60
- Annual packages: 9, 16 or 30 days; 4-Day Getaway: 4 consecutive days per trip
Pre-existing conditions and stability periods
RBC says conditions must be stable for 90 days before the effective date of coverage. A footnote on the medical plans page adds that if you’re 60 or older, conditions must be stable for 180 days. The comparison page, though, says Classic covers stable conditions for those under 65 with 90 days of stability, so it’s unclear which plans the 180-day rule applies to. On TravelCare, pre-existing conditions may be covered depending on the TravelCare Category you qualify for. Confirm the rule for your plan in the policy wording.
Age limits and health questions
Classic Medical covers ages 0 to 64 with no health questions, while TravelCare Medical is for 65 and older and asks health questions. The 4-Day Getaway plan covers ages 0 to 74 with no medical questions. Deluxe Package runs 0 to 74 for single trips and 0 to 64 for annual, and TravelCare Package is 75 and older for single trips and 65 and older for annual. TravelCare annual medical requires you to be under 80. For trips over 183 days, ages 40 to 74 must answer health questions. Answer each one accurately, since mistakes can affect a claim.
Buying and claims notes
You can buy online. Classic and TravelCare Medical need no deductible payment, as does Visitors Plan III, while Visitors Plans II and I carry a $50 deductible. Multi-trip annual packages include trip cancellation before departure of $1,500 per trip, to a maximum of $10,000 per year.
Allianz Global Assistance provides 24-hour worldwide emergency medical assistance. RBC pages list two different emergency numbers without explaining the difference, so use the number printed on your policy documents. We found no COVID-19 or pandemic wording, and the policy PDFs couldn’t be read, so ask RBC before you rely on that coverage.
Other travel insurance we review
- Allianz Travel InsuranceEmergency medical: Up to $10 million
- BMO Travel InsuranceEmergency medical: Up to $5 million
- CAA Travel InsuranceEmergency medical: Up to $10 million
- Desjardins Travel InsuranceEmergency medical: Up to $5 million per trip
- Medipac Travel InsuranceEmergency medical: $2 million US (base)
- Ontario Blue Cross Travel InsuranceEmergency medical: Up to $5 million per trip
- Pacific Blue Cross Travel InsuranceEmergency medical: Up to $10 million
- TD Travel InsuranceEmergency medical: Up to $10 million per trip
- TuGo Travel InsuranceAge limits: All ages (medical plans)
Frequently Asked Questions
Does RBC travel insurance have unlimited emergency medical coverage?
Yes, RBC lists unlimited emergency medical on its Classic, TravelCare and 4-Day Getaway medical plans and its main packages. It’s subject to a maximum of $20,000 if you don’t have valid government health insurance plan coverage.
What is the RBC 4-Day Getaway plan?
It’s a multi-trip annual medical plan that covers unlimited trips of up to 4 days each with no medical questions, for ages 0 to 74. Longer trips need a different plan or a top-up.
Do I have to answer health questions for RBC travel insurance?
Classic Medical for ages 0 to 64 has no health questions. RBC says it may ask a few health questions if you’re 65 or older, and ages 40 to 74 must answer them for trips over 183 days. Answer every question accurately.
Can an RBC single-trip policy run longer than 183 days?
RBC lists 183 days for Classic and TravelCare Medical single trips, and says you may buy coverage for up to 365 days if eligible. For trips over 183 days, ages 40 to 74 must answer health questions. Check your provincial health plan rules for long absences too.
Will RBC travel insurance pay for COVID-19 treatment abroad?
We found no COVID-19 or pandemic wording on the RBC pages we read, and the policy PDFs couldn’t be opened. Ask RBC directly and read the policy wording before you travel.
Is there a deductible on RBC visitors to Canada insurance?
RBC lists no deductible on Visitors Plan III. Plans II and I require a $50 deductible payment for claims.
Who handles emergencies for RBC travel insurance customers?
RBC says Allianz Global Assistance provides 24-hour worldwide emergency medical assistance. Its pages show two different phone numbers, so keep the one printed on your policy documents.
Sources
Features come from the insurer’s own site, checked October 14, 2026. Coverage is decided by the policy wording, not this summary: read it, and answer every medical question accurately. We don’t show premiums because they depend on your age, health and coverage. See our methodology.