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Travel insurance for seniors and snowbirds

Whether you need essential travel medical insurance or coverage for lost baggage, trip cancellation and interruption, and other unexpected events, we offer a wide range of affordable plans for mature travellers.

Benefits of RBC travel insurance

Here are just a few reasons to protect yourself with RBC travel insurance

24-hour worldwide emergency medical and travel assistance

Caring, multi-lingual professionals, registered nurses and physicians are available around the clock to make sure you receive the proper help and care you need in case of a medical or other emergency.

Safe transportation to the closest medical facility

If you need urgent treatment, we’ll provide transportation to the most appropriate facility, even if it’s in another country. We’ll also pay to have a friend or family member travel to your bedside.

Unlimited coverage for eligible medical expenses1

If you become injured or ill during your trip, your policy will pay for any eligible medical expenses that aren’t covered by your government health insurance.

Coverage for stable pre-existing conditions2

You can travel knowing you’re financially protected if you need emergency medical treatment during your trip.

Direct payment of medical bills, whenever possible3

We will also coordinate payments with your government health insurance so you aren’t out-of-pocket for any costs.

Frequently asked questions

Generally speaking, no. While your age can affect your eligibility for certain coverages, we have packages and plans that cover all age groups. If you are age 65 or older, we may ask you to answer a few questions about your health to make sure you have the most appropriate coverage.

Possibly. Depending on your age, medical condition and, if applicable, your answers to our health questions, pre-existing medical conditions are covered if they are stable for a certain time period (as specified in your policy) before your policy’s effective date.

Note: Please refer to the policy document for complete coverage details regarding pre-existing conditions.

Your answers to the health questions (if applicable) will be used to help determine the benefits you are eligible to receive under your insurance policy.

When answering the health questions:

  • Take your time. The questions may take up to 10 minutes to complete.
  • You (the applicant) should complete and sign the Medical Questionnaire. (If you have someone else complete the Medical Questionnaire on your behalf, it is still your responsibility to make sure the answers to the questions are correct.)
  • Read and answer each question carefully and accurately. Review your answers to confirm they are correct. Incorrect answers may lead to your coverage being voided or your claim denied.
  • Have your prescriptions or a description of your medications nearby for reference.
  • If you are unsure about any questions regarding your medical condition or medications, please speak to your physician.

The right coverage for your trip depends on several factors, including (but not limited to) where you’re travelling to, how long you’ll be gone, the kind of transportation you’ll be using and, in some instances, your overall health. View all of our travel insurance products now.

Yes, if you are travelling outside your home province or territory. There are several reasons why it’s important to get travel medical insurance when you’re travelling within Canada. One reason is that accidents can happen anywhere. Another is that government health insurance plans do have limits on reimbursement of emergency medical expenses incurred while you are in another province. For example, the ambulance, emergency dental treatment and prescription drugs might not be covered by some government health insurance plans.

The cost of a trip can be a significant financial investment. A lot can also happen in the time between booking your trip and departing—if a medical emergency or other unexpected event prevents you from going on your trip, you could potentially lose some (or possibly all) of the money you paid.

With trip cancellation and interruption insurance, you’re protected when certain situations prevent you from travelling as planned. Examples include:

  • You can’t travel due to an illness, job loss or immediate family member’s medical emergency
  • You need to return home earlier than scheduled because of a family emergency or medical condition

Note: We strongly recommend that you purchase trip cancellation and interruption insurance at the time you pay your initial travel deposit. Please see the policy document for complete coverage details, including terms and conditions.

Whatever your needs, we can help.

Make sure you have the right travel insurance or get help with a claim.

For emergency medical and travel assistance
See emergency contact details

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