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Financial protection in case of accidents or unforeseen health changes, with plans starting as low as $10.50 per month1.
Injury & illness insurance coverages
RBC Injury & illness insurance coverage is a reliable way to protect yourself and your loved ones if you become ill or injured. Coverage can support financial stability and provide access to recovery resources to help you cope during a challenging time.
Disability insurance
Help protect your income and lifestyle in case you become unable to work due to injury or illness.
Highlights
Flexible options including the Family Compassionate Care Rider, a first-of-its-kind.
Fills coverage gaps in Canada Pension Plan (CPP) and Quebec Pension Plan (QPP) disability benefits.
Helps you return to work such as rehabilitation, job retraining and more.
Most employer-sponsored plans end if you leave your job. A disability insurance plan from RBC Insurance can go with you.
Critical illness insurance
Receive a one-time payment and gain access to recovery resources if you develop a serious illness.
Highlights
Use your benefit to maintain financial stability, access cutting-edge medical services or to aid your recovery in some other way.
Get a world-renowned specialist from Teladoc Medical Experts1 to review your medical records to confirm your diagnosis, no matter where you live.
Get help dealing with fear and anxiety and learn how to address the needs of the mind, body and spirit.
Hospital insurance
Get a daily benefit amount to help cover out of pocket expenses you may have while being in hospital.
Highlights
Fills gaps in Government and employer health plans some costs associated with being hospitalized.
Use the tax-free cash benefit any way you wish—for example, for a private or semi-private room, in-home care, daycare for your kids and more.
Acceptance is guaranteed if you are a customer of any RBC company, between age 18-69 and a Canadian resident.
No medical exam is required.
Insurance you can rely on
Get professional advice
Get trusted guidance from a licensed advisor who will help you make the best choice.
Tools to get the most out of your coverage
Planning ahead with life insurance is a reliable way to meet your financial goals with safety, certainty, and ease, backed by the knowledge that you will:
Disability insurance Calculator
Answer a couple questions and we’ll recommend the right amount of coverage.
Critical illness insurance calculator
Estimate how much critical illness insurance coverage you might need to protect yourself.
Compare injury & illness insurance plans
There’s a plan to suit your unique situation and needs—let’s help you find it.
Advice & Learning about injury & illness insurance
The Five Big Questions You Need to Ask About Your Workplace Disability Insurance Coverage
If you’re employed, you may have disability insurance coverage through your work. But will it be enough if you become disabled?
Four ways to practice mental health hygiene
You brush your teeth everyday but what do you do for your mental health hygiene? Learn about 4 practices that you can incorporate in your daily life to maintain good mental wellbeing.
What is disability insurance?
If you earn an income and pay bills, disability insurance could be a way for you to protect your finances. Here’s how to decide if disability insurance is right for you.
Frequently asked questions
Injury & Illness Insurance Coverage helps protect your lifestyle when unexpected health challenges happen.
Disability insurance provides you with a monthly payment if you become ill or injured and can’t work.
Critical illness insurance pays you an agreed benefit amount if you are diagnosed with a covered serious illness. The money can be used in any way you choose to help you get through this difficult time.
Hospital insurance pays a daily benefit for each day you are in hospital to help you cover out of pocket expenses such as parking, meals or accommodations for loved ones so they can be with you, child or pet care expenses, etc.
Provincial health care can cover many medical expenses such as hospital visits, doctor and nursing services, diagnostic tests like blood tests and x-rays, ward room hospital accommodation and meals and medications while you are in hospital. But if you become ill or injured there are many expenses that provincial health care doesn’t cover.
Workplace benefit plans may cover some of these expenses, such as prescription drugs and rehabilitation services. Workplace benefit plans may also include critical illness or disability insurance. These plans provide great base protection and Injury & Illness Insurance Coverage can fill the gap to make sure you stay financially stable if you become ill or injured.
Personal Injury & Illness Insurance Coverage provides additional protection if you need more than your workplace benefit plan provides and it stays with you when you change jobs. Your next employer may not offer the same benefits as you currently have or may delay the start of benefits and the cost of insurance increases and may be more difficult to get as you get older.
RBC Insurance offers affordable options to fit your budget, with Injury & Illness Insurance Coverages starting as low as $10.50 per month1. RBC Insurance Advisors are available to help you determine what is right for you.
Our exceptional in-house claims team will support you if you need to make a claim.
Whatever your needs, we can help.
Call an RBC Insurance Advisor today or request an advisor contact you.
Want to meet? Find an advisor or store.
For injury-only coverage. Plus sales tax where applicable. Subject to underwriting where applicable.