Extra Coverage While Traveling - RBC Royal Bank (2023)

Travel protection for RBC cardholders

a lot ofRBC Travel Credit Card (opens in new window)Built-in travel insurance to protect you and your family while you're away from home. Knowing your type of insurance will help you travel with confidence.

Extra Coverage While Traveling - RBC Royal Bank (1)

What travel insurance does my credit card have?

Our travel insurance can help you when the unexpected happens. Know your card's coverage before you leave homeDisclaimer 1.

view my coverage(opens in new window)

Extra Coverage While Traveling - RBC Royal Bank (2)

Do you need travel insurance?

Choose the insurance that best suits your trip. Whether you need comprehensive coverage or just supplements, you can easily get an online travel insurance quote in minutes.


Learn about travel insurance

While every card is different, many of our travel credit cards include some of these popular typesDisclaimer 2.check your credit cardcertificate of insuranceFull details on these covers.Disclaimer 5

emergency medical insurance

If you leave the country or province and need urgent medical attention, your eligible expenses will be covered for a specific number of days as stated on your certificate of insurance.

Trip Cancellation Insurance

Sometimes unexpected things happen. If you need to cancel your trip for covered reasons before departure, you can get a refund for eligible non-refundable and prepaid travel arrangements.Disclaimer 6

flight delay insurance

If you miss your connecting flight or your flight is delayed, you can pay for reasonable expenses including meals and accommodation.Disclaimer 6

Trip Interruption Insurance

If you unexpectedly interrupt your trip for a covered reason, you may receive a refund for the eligible unused portion of your prepaid travel arrangements.Disclaimer 6There is also coverage to get you to your next destination.Disclaimer 6

(Video) RBC is the Most Over-Rated Bank in Canada 2023

Hotel/Motel Theft Insurance

If your personal items are damaged or stolen as a result of hotel, motel, or cruise ship cabin theft, you may be reimbursed for the cost of repair or replacement.Disclaimer 6

Car Rental Collision/Loss Damage Insurance

Covers loss and damage to the rental car up to the actual cash value of the rental car if you have completed the rental agreement and paid the full amount by credit card.Disclaimer 6

Travel accident insurance

Coverage up to $500,000 in the event of accidental bodily injury resulting in loss, including death, while traveling by public transportation.Disclaimer 6

Each of our credit cards offers a different type of insurance, so be sure to purchasecheck your coverage(opens in new window)Ask for leave.

frequently asked questions

Out-of-Province/National Emergency Medical Insurance covers medical expenses related to COVID-19 and its variants as long as there are no COVID-related travel advisories (such as avoiding all non-essential travel or all travel to that destination) by the Government of Canada during your trip Issued to your destination on the departure date.

No, you do not need to pay for your travel arrangements with your RBC credit card to be eligible for out-of-province/country coverage. Coverage is for the number of days stated on the policy and begins as soon as you leave your province or region of residence.

Yes, if your travel arrangements exceed your RBC credit card coverage maximum, you can purchase additional travel insurance to cover the remainder of your travel expenses. You can buy top insuranceonlineor call1-866-292-5233.

(Video) RBC Royal Bank Webinar | Breaking Culture Barriers in Job Search The Do’s and Don’ts

To purchase additional insurance for your extended stay, please contact the Enrollment Center at1-866-292-5233before your insurance expires.

If you are unable to travel as planned due to Covid-19 or its variants, your credit card may cancel or interrupt your travel if:

  • Your acute illness is due to infection with COVID-19 or a variant thereof.
  • Your spouse and/or dependent child's acute illness is due to infection with COVID-19 or a variant thereof.
  • In both cases, a medical statement completed by a physician is required to submit your claim.

If you have to cancel or interrupt your trip for other reasons related to COVID-19 or its variants, such as new travel advisories, your claim will not be covered.

Yes. To be eligible for Trip Cancellation/Interruption coverage for prepaid travel, the Stay and Entertainment package must be paid in full with an eligible RBC credit card and/or Avion points.Check your card's coveragebefore you leave.

Before you go, you can buy top insuranceonlineor from1-866-292-5233Request for additional travel days.

call us while traveling1-866-292-5233Purchase additional insurance.

Emergencies and RequestsDisclaimer 3

Getting medical or emergency care while traveling

If you need help with medical or other emergencies while traveling, we are available 24 hours a day, 7 days a week.

Telephone:Toll Free:1-800-533-2778(Canada in de VS)

Telephone:collect:(905) 816-2581(gathering everywhere)

email address: emergencyassistance@allianz-assistance.ca

Add the following informationDisclaimer 4:

  • your full name
  • Your current location (city and country)
  • Contact information
  • Mention that you have an RBC credit card (do not mention your card number)

In the event of a life-threatening medical emergency, go to the hospital immediately and have a family member or friend call Allianz Global Assistance as soon as possible on your behalf.

submit a claim

Apply for travel insurance with your RBC credit card:

Telephone: 1-800-464-3211

access:ofAllianz skade portalSubmit a claim online

  • Create an account (if you haven't already)
  • Log into the Claims Portal to easily create new claims, track the status of existing claims, or complete existing claims

start a claim

(Video) Get These RBC Avion Cards and Forget the Rest

Discover other optional add-ons

BalansProtector Premier Plus

Get insurance for your credit card balance against unforeseen circumstances.

Balance Protector Insurance

Identity and Theft Protection

1 in 3 Canadians is a victim of financial fraudDisclaimer 3- are you in danger

RBC Road Assist

(Video) Are you protected for medical emergencies outside your province?

Excellent roadside assistance service 24 hours a day, 365 days a year

RBC Road Assist

View Legal Disclaimer Hide Legal Disclaimer


For a complete list of eligible RBC Royal Bank credit cards and their travel insurance, visithttps://online.worldprotect.com/weblinkca/en/card-coverage/index.html(opens in new window)


Insurance is provided by RBC Insurance Company of Canada. In Quebec, certain plans are underwritten by Aviva General Insurance Company. For car rentals, collision/loss damage insurance is underwritten by Aviva General Insurance Company.


RBC Insurance Company of Canada acquires AZGA Service Canada Inc. (operating as "Allianz Global Assistance") as the provider of all travel insurance and claims.


Plain, unencrypted email is not secure. Be careful if you include any personal or confidential information in plain, unencrypted email. To discuss your personal information securely, please contact Allianz Global Alliance by phone. For more general cybersecurity information, visit ourEmail and Website Fraudor help you track down phishing emails and fake websites, visit ourwebsite.


This is just a summary. All travel insurance policies are subject to conditions, limitations and exclusions. see credit cardcertificate of insuranceFull coverage of details.


To be eligible for all coverages except out-of-state emergency medical coverage, travel must be paid in full with your credit card and/or Avion Rewards points.


Do I need to notify RBC if I'm Travelling? ›

You no longer need to notify us when you travel

If you'll be travelling soon and plan to use your credit card or client card, you no longer need to tell us you'll be away from home. We have industry-leading fraud detection systems that protect you and your accounts from suspicious or unauthorized transactions.

How do I contact Royal Bank travel insurance? ›

Simply call us at 1-800-565-3129 or get a quote online.

Can I use my RBC Mastercard internationally? ›

The card will work at any machine displaying the PLUS logo. There's a fee of $3 for each withdrawal in the United States. There's a fee of $5 for each withdrawal in Mexico and outside North America. There may be an extra fee for using the machine.

What are the benefits of RBC Bank? ›

Unlimited free local RBC ATM withdrawals using RBC Visa Debit Card. Unlimited free in-branch/cheque items. Make deposits and withdrawals from RBC Royal Bank ATMs at any branch, at any time day or night. Free quarterly statements for easy record keeping.

Can I use U.S. debit card in Canada? ›

Yes. Cards issued by U.S. Bank can be used in most foreign countries for transactions.

Can you use Canadian debit in USA? ›

Visiting the U.S. from Canada? Shop with your debit card* at millions of retail stores in the U.S. Welcome to the convenience of using your Canadian debit card* to purchase goods or services at more than 2 million retail stores across the U.S.

How do I contact holiday extra travel insurance? ›

You should read this policy carefully to make sure it provides the cover you need. If there is anything you do not understand, you should call Holiday Extras travel insurance on 0800 171 000 / 020 8666 0645 or write to us at Holiday Extras Limited, Ashford Road, Newingreen, Hythe, Kent, CT21 4JF.

Do I need to contact my bank I'm traveling? ›

Generally, you should tell your bank the locations you are traveling to and the dates/duration of your travels. This will allow you to continue using your credit cards and debit cards without the fraud detection on your accounts being triggered, preventing you from using your cards.

Does debit cards have travel insurance? ›

Cover differs between cards, but complementary debit card travel insurance typically covers things like delayed flights, delayed luggage, lost luggage and other travel interruptions. Some also offer financial protection when you require overseas emergency medical assistance or a stay in a hospital.

Does RBC credit card work in USA? ›

Easy to Use, Easy to Pay Off. Use your RBC Bank credit card anywhere Visa is accepted—in-store, online and over the phone.

Does RBC charge for international use? ›

No Fee for RBC Clients.

If you're an RBC client, there is never a fee to exchange currency.

Does my RBC debit card work internationally? ›

What the RBC Royal Bank Visa Debit card does: Pay for goods and services domestically and internationally, in person, online or via mail order/telephone order.

Why is RBC so popular? ›

Founded in 1864, RBC is the 10th largest bank globally and the 5th largest in North America, as measured by market capitalization. RBC is among a small group of highly rated global banks and is recognized time and time again for its financial strength, market leadership, and philanthropic work.

Is RBC in the US? ›

Royal Bank sold its U.S. regional (RBC Bank) retail banking operations to the PNC Financial Services Group, Inc and restructured its U.S. banking operations to better serve the personal banking needs of Canadian cross-border clients and U.S. clients of RBC Wealth Management.

Why RBC is the best bank? ›

RBC Advantages:

Online and mobile banking platforms are among the best in the industry. Has a wide network of branches and ATMs across Canada. Interest rates on savings accounts and CDs are more competitive than TD's.

Is it better to use American money in Canada? ›

All of Canada uses the Canadian dollar, however certain retailers throughout the country will accept the US dollar as a form of payment for goods. We highly suggest you to use the local currency to pay for goods and services.

Should I bring cash to Canada? ›

Any time you enter or leave Canada, you must declare any money or monetary instruments, such as stocks, bond or cheques, you are carrying valued at $10,000 or more.

Can I use RBC debit card in USA? ›

You can use your RBC Royal Bank Debit Card to make debit purchases at retailers and businesses throughout the United States. The Cross-Border Debit service is an easy and secure alternative to carrying large amounts of cash when you travel.

How do I withdraw money from RBC in the US? ›

There are easy ways to get cash while you're in the U.S. You can use your U.S. Visa debit card at one of our 50,000+ no-fee2 ATMs to access funds from your account. Use our ATM Locator to find one near you. Most will dispense up to $300 per transaction, although you can make multiple withdrawals, up to $1,500 a day.

Can Americans use ATMs in Canada? ›

Don't stress about using your card to make purchases and to withdraw cash — card acceptance and ATM availability are similar to the US. Canadian merchants accept Visa, Mastercard and American Express credit cards.

Will my debit card work in USA? ›

Using a debit card

You can use any Mastercard or Visa branded debit card in the United States. The Visa or Mastercard exchange rate applies to foreign currency transactions.

Can you add travel insurance to a trip? ›

You absolutely can buy travel insurance after booking your trip. However, it's always best to purchase insurance as early in the process as possible. If you procrastinate, you may miss out on certain benefits.

Does travel insurance cover COVID? ›

If you contract COVID-19 and must cancel your trip, you are likely to be covered if you have a standard travel insurance policy. Trip cancellation/trip interruption policies cover the cancellation or interruption of your travel as the result of a covered event.

Should you pay excess on travel insurance? ›

Purchasing Excess Waiver is a good idea if you wish to avoid any excess deductions in the event that you make a claim. It provides the reassurance that you will be fully compensated should any unforeseen mishap occur and you need to claim on your travel insurance policy.

Should I tell my bank I'm traveling internationally? ›

Yes, one of the most important things you need to do before going abroad is informing your bank. You want to make sure you'll be able to access your funds and use your debit or credit card while you're on vacation.

Should I tell my bank I'm going abroad? ›

You no longer have to tell us when you are travelling abroad. Our fraud and security systems are always on the lookout for suspicious activity on your accounts meaning you can relax when you are away making going abroad stress free. Ensure your cards do not expire when you are away. Please check your expiry date.

How do I tell my bank I'm traveling internationally? ›

Setting your travel notice over the phone or in-person

To set a travel alert for your credit card over the phone, call the number on the back of your card to get in touch with your bank. The customer service line will either let you speak to a representative on the phone or work with an automated system.

What is not covered by travel insurance? ›

According to Allianz Global Assistance, a travel insurance provider, "Trip cancellations and trip interruptions due to known, foreseeable, or expected events, epidemics, or fear of travel are generally not covered."

Do you have to activate travel insurance? ›

Activating credit card insurance

You usually have to 'activate' the insurance policy. Often, this is by booking your trip using that card. Some may consider your policy activated when you: use the card, or your card's reward points, to book your return flights.

Does Visa cards have travel insurance? ›

Types of Visa Credit Card Travel Insurance

The amount of money you can get varies, but it could be as much as $1,000,000 with certain cards. Not all cards will have this benefit. Chase Sapphire Reserve® has the best coverage.

Can I use a U.S. credit card in Canada? ›

Major credit cards are accepted at most retailers across Canada, so if you have a Visa or a Mastercard, you shouldn't have any problems. Just make sure you have a credit card without foreign transaction fees.

How to use Canadian credit card in USA? ›

Pay at the pumps like a pro!

Time to swipe that shiny Canadian card with pride! When the machine asks for a zip code, try entering the three consecutive numbers of your postal code followed by two zeros. For example, the postal code M5J 1E3 translates into the zipcode 51300.

Can U.S. citizens open RBC account? ›

Yes. If you're not a Canadian citizen or not residing in Canada, it is possible to open a bank account provided that you can present the required documents for identification which will be discussed shortly.

How do I avoid international fees on my debit card? ›

These fees can be avoided by choosing a bank account that doesn't charge fees and reimburses out-of-network ATM fees and by always withdrawing local currency from ATMs. Account holders can also ask their home bank if there are partner branches or in-network ATMs in the destination country or countries.

How do I avoid international transaction fee on credit card? ›

How to avoid international transaction fees
  1. Look for banks with no- and low-fee options. ...
  2. Find banks with international networks. ...
  3. Get a prepaid travel card. ...
  4. Use payment cards like credit and debit cards. ...
  5. Skip foreign cash exchanges. ...
  6. Work with your bank. ...
  7. Avoid freezes.
Feb 6, 2023

Does RBC use Zelle? ›

How do I get started? It's easy — Zelle is already available within Royal Business Bank's mobile banking app and online banking within Bill Pay! Check our app or sign-in online and follow a few simple steps to enroll with Zelle today.

What happens if I use my debit card internationally? ›

While you can typically use a debit cards in another country, you may have to pay a foreign transaction fee. Though these fees vary by bank and card issuer, they are usually around 3% of any transaction abroad.

How do I enable international transactions on RBC? ›

How do I use this service? If signed into RBC Online Banking: On the right side of the Accounts Summary page, under Quick Payments & Transfers, select "International Money Transfer". Follow the on-screen instructions.

Can I withdraw U.S. dollars from RBC ATM? ›

Whether you have a U.S. bank account with us—or just need a convenient way to withdraw U.S. cash from time to time – you can take out up to $1200 USD at any RBC branch ATM that offers U.S. cash.

What is the disadvantage of RBC? ›

Unlike other cells, RBCs have no pathways for repair or to stave off ageing. Therefore, the cells only have a short lifespan of about 120 days. They are then destroyed by the liver and spleen, with most of the iron in the Hb being reclaimed.

How prestigious is RBC? ›

RBC Capital Markets is widely considered to be the top investment bank in Canada, and it's a growing bank in the U.S. Interns get live deal experience while working alongside senior bankers. Full-timers get extensive training and mentoring, and the ability to work internationally.

Are Canadian banks safer than US banks? ›

Canada regulates its banks very strictly and doesn't let many players enter the market. As a result, Canadian banks tend to be safer than U.S. banks. In this article, I will explore two Canadian bank stocks that are relatively safe compared to their U.S. cousins.

What is the RBC controversy? ›

October 11, 2022. OTTAWA/TRADITIONAL, UNCEDED TERRITORY OF THE ALGONQUIN ANISHNAABEG PEOPLE – RBC is now under investigation for alleged misleading advertising related to the bank's commitments on climate action while continuing to finance fossil fuel development, Canada's Competition Bureau has confirmed.

Does RBC give American money? ›

You can make and receive payments in U.S. dollars without having to open a U.S. account: Choose the payment method that matches your needs and then convert your Canadian dollars to U.S. dollars when the payment is sent.

Can a U.S. citizen have a Canadian bank account? ›

Opening a bank account if you're not a Canadian citizen

You may be able to open a bank account with the proper identification in Canada even if: you're not a Canadian citizen. you live in another country.

What bank do the richest use? ›

These 10 checking accounts are designed with the wealthy in mind and are intended for banking clients who desire convenient access to cash with premium benefits.
  • Morgan Stanley CashPlus. ...
  • TD Bank Private Banking. ...
  • Truist Wealth Checking. ...
  • PNC Private Bank Checking. ...
  • BNY Mellon Cash Management Access Account. ...
  • Chase Private Client.

Who is RBC biggest competitors? ›

Competitor comparison
  • The Toronto-Dominion Bank Headquarters. Canada. No. of employees. 89,464. Revenue. ...
  • The Bank of Nova Scotia Headquarters. Canada. No. of employees. 91,264. Revenue. ...
  • Bank of Montreal Headquarters. Canada. No. of employees. 46,722. ...
  • Canadian Imperial Bank of Commerce Headquarters. Canada. No. of employees. 49,530.

What is better TD or RBC? ›

Toronto-Dominion Bank has dethroned Royal Bank of Canada as the country's top brand, according to Brand Finance PLC's annual report on the most valuable and strongest Canadian brands.

Do I need to inform RBS when travelling abroad? ›

Don't forget to register your card for travel

Just give us 24 hours notice and you're good to go. Paying with your RBS card keeps things simple. You could even use contactless like you do at home.

Can I use my RBC debit card internationally? ›

What the RBC Royal Bank Visa Debit card does: Pay for goods and services domestically and internationally, in person, online or via mail order/telephone order.

Do I need to notify my bank of international travel? ›

You should definitely consider filing a travel notice for every trip outside your country. If you don't file a travel alert with your card issuer, your credit card may get declined and you might need to contact your credit card company to approve your transactions.

Do I need to inform bank when travelling abroad? ›

Do I need to tell my bank I'm going abroad? Yes! It's hugely important for customers to inform their bank of their travel plans in advance. This helps to protect against fraudulent activity and ensures that you have access to your funds while you are away.

Can I use my debit card in USA? ›

Using a debit card

You can use any Mastercard or Visa branded debit card in the United States. The Visa or Mastercard exchange rate applies to foreign currency transactions.

Can I use data when traveling internationally? ›

When you land in an international country, you can simply turn off airplane mode and use your phone just like you do at home. You'll get unlimited free texting, and data costs the same as when you're back home and using Google Fi. The only thing that can cost extra is phone calls.

Can you use RBC debit in USA? ›

You can use your RBC Royal Bank Debit Card to make debit purchases at retailers and businesses throughout the United States. The Cross-Border Debit service is an easy and secure alternative to carrying large amounts of cash when you travel.

How can I avoid ATM fees abroad? ›

How to Avoid ATM Fees When Traveling Abroad
  1. Use an ATM in Your Bank's International Network. ...
  2. Use Your Debit Card to Get Cash Back at a Store. ...
  3. Don't Use the ATM's Conversion Offer. ...
  4. Use a Bank That Doesn't Charge International ATM Fees. ...
  5. Use a Bank That Refunds ATM Fees. ...
  6. Use a Credit Card Without a Foreign Transaction Fee.
Nov 3, 2022

Do I need to put a travel alert on my debit card? ›

The short answer is sometimes. If you are using a card that's been idle or are spending differently than normal, setting a travel alert is a good idea. If you are a frequent traveler who charges your travel plans on the same card you're taking on the trip, you can probably skip setting an alert.

Should I take my debit card on vacation? ›

Yes. However, it's a good idea to let your bank know first if you're traveling outside the country. If not, you risk the card being shut down due to the stringent security measures in place to keep your account safe. Be on alert for potential pickpockets while on a trip.

Can I withdraw money from my bank account in another country? ›

ATMs are the best way to access money abroad and are increasingly available. Your bank or credit card company may charge fees for withdrawals overseas and may have a limit on the amount you can withdraw daily, so be sure to consult with your bank about this.

Do I get charged for using my debit card abroad? ›

You may be charged for using your debit or credit card abroad to buy something or when you withdraw cash in a foreign currency. What you'll pay depends on the transaction you make and the card you use. You can also compare EEA currency conversion charges while travelling.

What is the best debit card to use abroad? ›

Top pick travel credit and debit cards
  • Chase – fee-free spending & withdrawals + 1% cashback.
  • Starling – fee-free spending & cash withdrawals.
  • Virgin Money – fee-free spending & withdrawals.
  • Currensea – links to your existing bank account.
May 16, 2023

Is it better to use debit or credit card abroad? ›

Credit cards are widely accepted around the world and can also serve as a deposit, e.g., when renting a car. Credit card transaction fees are typically higher than debit cards. Most banks charge an average conversion fee of 2% for a credit card payment, that's 1% more than for a debit card payment.


1. All about the RBC Avion Rewards program - Points Earn and Burn
2. Webinar with RBC Royal Bank: Steps to a Successful Interview in Canada
(ACCES Employment)
3. RBC Royal Bank Webinar | Interview Success: Help the Hiring Manager Hire You
(ACCES Employment)
4. RBC Royal Bank Webinar | Navigate Your Job Search Like a Pro with Prepped!
(ACCES Employment)
5. RBC Royal Bank Webinar | What Every Newcomer Should Know About Credit
(ACCES Employment)
6. RBC Royal Bank Webinar | Mastering Your Job Search
(ACCES Employment)
Top Articles
Latest Posts
Article information

Author: Melvina Ondricka

Last Updated: 03/28/2023

Views: 5629

Rating: 4.8 / 5 (48 voted)

Reviews: 87% of readers found this page helpful

Author information

Name: Melvina Ondricka

Birthday: 2000-12-23

Address: Suite 382 139 Shaniqua Locks, Paulaborough, UT 90498

Phone: +636383657021

Job: Dynamic Government Specialist

Hobby: Kite flying, Watching movies, Knitting, Model building, Reading, Wood carving, Paintball

Introduction: My name is Melvina Ondricka, I am a helpful, fancy, friendly, innocent, outstanding, courageous, thoughtful person who loves writing and wants to share my knowledge and understanding with you.