TravelCare Medical

Single Trip

About Your Travel Insurance:

This is your insurance policy, a contract detailing the terms and conditions of
the insurance coverage(s) available. Refer to the insurance application/
confirmation of coverage to view the coverages purchased. Keep it in a safe
place and carry it with you when you travel.

Emergency Eligibility Summary of Submit a Definitions

Assistance Coverage Claim

Underwritten by RBC Insurance Company of Canada. 1

IMPORTANT NOTICE – READ CAREFULLY What the Provincial Regulators want you
BEFORE YOU TRAVEL to know:
You have purchased a travel insurance policy – This policy contains a provision removing or
what’s next? We want you to understand (and it is restricting the right of the insured to designate
in your best interests to know) what your policy persons to whom or for whose benefit insurance
includes, what it excludes, and what is limited money is to be payable.
(payable but with limits). Please take time to read
through your policy before you travel. Bolded and
italicized terms are defined in your policy.

¡ Travel insurance covers claims arising from

sudden and unexpected situations (i.e.
accidents and emergencies) and typically not
follow-up or recurrent care.

¡ To qualify for this insurance, you must meet all

of the eligibility requirements.

¡ This insurance contains limitations and/or

exclusions; e.g., medical conditions that are
not stable, pregnancy, child born on trip,
excessive use of alcohol, high risk activities.

¡ This insurance may not cover claims related to

pre-existing medical conditions, whether
disclosed or not at time of policy purchase.

¡ Contact Assured Assistance Inc. before

seeking treatment or your benefits may be
limited or denied.

¡ In the event of a claim your prior medical

history may be reviewed.

¡ If you have been asked to complete a medical

questionnaire and any of your answers are
not accurate or complete, your policy will be
voidable.

IT IS YOUR RESPONSIBILITY TO UNDERSTAND

YOUR COVERAGE. IF YOU HAVE QUESTIONS,
CALL 1-800-387-2487, visit our website at
www.rbcinsurance.com or contact us at
P.O. Box 97, Station A, Mississauga, Ontario
L5A 2Y9.

Underwritten by RBC Insurance Company of Canada. 2

What to do if you need help on your trip
Call Assured Assistance Inc. (AAI) — 24/7 Help Emergency Assistance Services
Wherever You Roam.
The following assistance services are available to
Assured Assistance Inc. (AAI) is the travel you:
assistance company that operates on behalf of
Medical Assistance & Consultation
RBC Insurance®. They provide our world-class
When you have a medical emergency and you
emergency travel assistance.
call us, whenever possible, you will be directed
If you require emergency treatment during your to one or more recommended medical service
trip, or for any other emergency, you must providers near you. In addition, whenever
contact AAI immediately at one of these numbers: possible, we will:

Please call 1-800-387-2487 toll-free from the U.S. ¡ in consultation with your physician, arrange
and Canada or (905) 816-2561 collect from emergency medical transportation to a
anywhere in the world. (Note: If international suitable facility if it is determined that existing
operator assistance is required; please confirm facilities are inadequate in order to treat or
how to call collect to Canada from your stabilize your medical condition;
destination before leaving.)
¡ provide confirmation of coverage and pay
Get the PATH App. Download the free RBC Insurance your eligible medical expenses directly to the
PATH app for quick, easy access to emergency recommended medical service provider;
medical assistance anywhere you travel.
¡ consult with your attending physician to
Get it from the Apple Store or Google Play. monitor your care; and

What Assistance Services are available? ¡ monitor the appropriateness, necessity and
reasonableness of that care to ensure that
AAI provides Emergency Assistance leveraging
your resulting eligible expenses will be
our travel assistance coordinators, travel
covered by this insurance.
professionals and call centre infrastructure
teams. Behind the scenes our medical assistance
team is ready to provide their expertise when
required.

Underwritten by RBC Insurance Company of Canada. 3

Pay Assistance How do I make a claim?
Whenever possible, the payment of the eligible
If you need a Claim & Authorization form to
medical services you receive will be co-ordinated
submit a new claim, or you want status on an
through us, communicated with your medical
existing claim, please contact our Claims
provider, and billing arrangements will be
Department at:
discussed. Pay assistance may not be available
from certain medical service providers for 905-816-2572 or 1-800-263-8944
reasons beyond our control. You may be required
Address:
to make payment up-front or to leave a deposit. If
P.O. Box 97
you are required to make payment up-front or
Station A, Mississauga, Ontario, L5A 2Y9
leave a deposit, call us immediately.
Or you can visit our website at
Replacement Co-ordination
http://www.rbcinsurance.com/travel/travel-
Whenever possible, we will help co-ordinate the
insurance-claims.html to obtain an Emergency
replacement of your prescription eyeglasses or
Medical claim form.
essential prescription medication in the event
these items need to be replaced during your trip.
This insurance does not cover the actual cost to
replace your prescription eyeglasses or essential
prescription medication.

Underwritten by RBC Insurance Company of Canada. 4

Eligibility
Eligibility ¡ under 75 years of age, and you have correctly
To be eligible for insurance coverage you must: answered the questions in the medical
questionnaire, and as a result of your answers
¡ be a Canadian resident; to the medical questionnaire, it is determined
¡ at the time the coverage is purchased, be 65 that you are eligible to purchase coverage for
years of age or older; trips beyond 183 days.

¡ be travelling for a maximum of 183 days; IMPORTANT

¡ purchase your coverage before your effective This insurance is subject to a maximum of
date; $20,000 if you do not have valid government
health insurance plan coverage at the time
¡ have correctly completed the medical
of claim.
questionnaire;

¡ be covered under your government health

insurance plan for the full duration of your
trip.

In addition, for:

TravelCare Silver Coverage:

If you are 65 years of age or older and under 75
years of age and travelling for a maximum of 15
days, you have chosen not to complete the
medical questionnaire.

TravelCare Gold Coverage:

If you are travelling for more than 183 days and to
a maximum of 365 days, you may purchase the
single trip coverage, provided that you are
covered under your government health
insurance plan for the full duration of your trip
and you are:

Underwritten by RBC Insurance Company of Canada. 5

When does your coverage start?
10 Day Free Look
Insurance starts on your effective date.
If you are not completely satisfied with this travel
Note: For TravelCare Medical, your effective date insurance, you may cancel it within 10 days of
cannot be more than 120 days from the date of purchase for a full refund, provided you have not
your insurance application/confirmation of left on your trip and have not experienced an
coverage. event that would cause you to submit a claim.
When does your coverage end? Refunds after the 10 day may not be permitted.

Insurance ends on the earliest of: What is Covered?

a the date of the cause of cancellation if your After you leave:
trip is cancelled before your date of departure Emergency Medical – covers the reasonable and
from your departure point; customary medical expenses you incur on your
trip for necessary medical care or surgery, as
b the date you return to your province, territory part of the emergency treatment arising from
or country of residence; a medical condition that is sudden and
c midnight of your return date; unexpected.

d midnight of your expiry date. What is not Covered?

Under TravelCare Medical, your insurance It is really important to read your insurance
coverage will not end if you temporarily return to coverage before you travel. There are exclusions
your province, territory or country of residence and limitations that apply to your coverage. Not
prior to your return date and then resume your every situation or loss is covered. We only cover
trip, provided you: claims that meet the terms and conditions as we
outline in this document.
¡ do not have a claim under this insurance;

¡ did not have a medical condition during your IMPORTANT

temporary return to your province, territory or If you have any questions about your travel
country of residence; and were fit to resume insurance coverage, please visit our website
travel on your trip. or call us.

Underwritten by RBC Insurance Company of Canada. 6

Summary of Travel Insurance Coverage
TravelCare Medical Plan Maximum Sums Available
Emergency Medical Treatment Unlimited1
Incidental Hospital Expenses $500
Physiotherapist, chiropractor,
$300
chiropodist, podiatrist or osteopath
Return to Trip destination One-way economy airfare
Out of Pocket Expenses $1,750
Repatriation of Remains
*Please see policy for limits on the transportation Transportation cost: Unlimited*
container, cremation and burial at location

Bedside Companion’s travel to bedside Economy Airfare & $500 out of pocket expenses
One-way Economy airfare, or stretcher, or qualified
Emergency Transportation
medical attendant or air ambulance
Emergency Dental Treatment2 $300 and/or accidental blow (emergency expenses)
Return of Vehicle Reasonable and customary costs
Return of children One-way economy Airfare & escort if necessary
Return of one travelling companion One-way economy airfare
Return of dog or cat $500
Return of Excess Baggage $500
Domestic Services $250
Physician visit to replace lost, stolen or
One visit to a physician to obtain a written prescription
damaged prescription medication
1
This insurance is subject to a maximum of $20,000 if you do not have valid government health insurance plan coverage.
2
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.

Underwritten by RBC Insurance Company of Canada. 7

Definitions
IMPORTANT
When reading your insurance coverage, you
will notice that certain words are bolded and What must you do in a medical emergency?
italicized. Please review the “Definitions” section ¡ You must contact us before seeking
located on the last few pages of this insurance emergency treatment.
document.
¡ In addition, all surgery and heart
General Conditions procedures, including heart
There are general conditions that apply to all catheterization, must be approved
coverages and they can be found on last few in advance by us.
pages of this insurance document. ¡ When you contact us, we will refer you
Emergency Travel Medical Insurance or may transfer you, when medically
appropriate, to one of the accredited
Description of Coverage:
medical service providers within the
Emergency Travel medical coverage provides
network.
benefits to travellers in emergency medical
situations. ¡ We will also request for the medical
service provider within the network
This insurance covers the reasonable and
to bill the medical expenses covered
customary medical expenses you incur once you
under this insurance directly to us
have left your departure point for necessary
instead of to you.
medical care or surgery, as part of the emergency
treatment arising from a medical condition up to ¡ Failure to call may result in reduced
the maximum amounts outlined in the section benefits.
titled “What is Covered”.
¡ If your medical condition prevents
This insurance only covers expenses in excess of you from calling us before seeking
those covered under your government health emergency treatment, you must call us
insurance plan and by any other insurance or as soon as medically possible. As
benefit plan under which you are covered. an alternative, someone else (family
member, friend, hospital or physician’s
Emergency Contact Numbers:
office staff, etc.) may call on your
¡ 1-800-387-2487 (toll-free call from the USA or behalf.
Canada)
¡ You must repay us any amount paid or
¡ 905-816-2561 (collect call from anywhere authorized by us on your behalf if we
through a local operator) determine that the amount is not
payable under your policy.
¡ 1-888-298-6340 (toll-free fax from the USA or
Canada)

¡ 905-813-4719 (fax)

Underwritten by RBC Insurance Company of Canada. 8

What is Covered Out of Pocket Expenses
Emergency Medical Treatment
This insurance covers medical expenses related IMPORTANT
to the following when required as part of the This benefit is subject to the pre-
emergency treatment during your trip: authorization of Assured Assistance Inc.
¡ emergency treatment, other than dental Please call us:
treatment;
1-800-387-2487 (toll-free call from the USA
¡ services of a legally licensed physician, or Canada)
surgeon, anaesthetist or registered graduate
nurse; 905-816-2561 (collect call from anywhere
through a local operator)
¡ hospital accommodation in a semi-private
room when you are a resident inpatient;
¡ This insurance covers your reimbursement, up
¡ outpatient services provided by a hospital;
to $175 per day to a maximum of $1750, for your
¡ the services of a licensed private duty nurse commercial accommodations and meals,
while you are hospitalized; essential telephone calls, internet usage fees,
¡ the lesser of the rental or purchase of a and taxi fares (ride sharing or rental car in lieu
hospital-type bed, a wheelchair, brace, of taxi fares) if, upon physician’s advice:
crutches and other medical appliances;
– you, or your travelling companion, are
¡ diagnostic testing, when pre-authorized by us; relocated to receive medical attention for
¡ the services of the following legally licensed an emergency medical condition covered
practitioners for emergency treatment of a under this insurance; or
covered injury up to a maximum of $300 per – you are delayed beyond your return date
profession: physiotherapist, chiropractor, in order to receive emergency treatment
chiropodist, podiatrist or osteopath; and or because your travelling companion
¡ prescription drugs. requires emergency treatment for an
emergency medical condition covered
Emergency Dental
under this insurance.
This insurance covers the following dental
expenses when required as emergency treatment ¡ Incidental Hospital Expenses: This insurance
and ordered by or received from a licensed dentist: covers your reimbursement, up to $50 per day
to a maximum of $500, for your incidental
¡ if you need dental treatment to repair or
hospital expenses (telephone calls, television
replace your natural or permanently attached
rental) while you are hospitalized for at least
artificial teeth because of an accidental
48 hours.
blow to your face, you are covered for the
emergency dental expenses you incur during
your trip and you are also covered up to a
maximum of $1,500 to continue necessary
treatment after your return to Canada.
However, this treatment must be completed
within 180 days after the accident.
¡ if you need other emergency dental
treatment, you are covered for the emergency
dental expenses you incur during your trip, up
to a maximum of $300, and the complete cost
of prescription drugs.

Underwritten by RBC Insurance Company of Canada. 9

Transportation residence to receive immediate emergency
medical attention; or
Ground ambulance
This insurance covers you for local ground ¡ the cost of a stretcher fare on a commercial
ambulance service to a hospital, physician or flight via the most cost effective route to your
medical service provider in an emergency. We province or territory of residence, if a stretcher
will pay for local taxi fare in lieu of local ground is medically necessary; or
ambulance service where an ambulance is
¡ when medically necessary or required by the
medically required but not available.
airline, the cost of an upgraded airline seat on
Air Ambulance, Commercial Flight or Stretcher a commercial flight via the most cost effective
route and the usual fees and expenses for a
IMPORTANT qualified medical attendant to accompany
This benefit must be pre-authorized and you; or
arranged by Assured Assistance Inc. ¡ the cost of air ambulance transportation.
Please call us:

1-800-387-2487 (toll-free call from the USA

or Canada)

905-816-2561 (collect call from anywhere

through a local operator)

If the physician treating you recommends to us

in writing that you return to your province or
territory of residence because of your medical
condition in order to receive emergency medical
attention, or if our medical advisors determine
that you are able to and recommend that you
return to your province or territory of residence
following your emergency treatment, this
insurance covers you for one or more of the
following, when medically essential:

¡ the extra cost of a one-way economy air

fare on a commercial flight via the most cost
effective route to your province or territory of

Underwritten by RBC Insurance Company of Canada. 10

determines that you require no further
IMPORTANT medical attention for your medical condition.
The following benefits are subject to the Your trip to return to your scheduled trip
pre-authorization of Assured Assistance destination must occur during your period of
Inc. insurance originally provided by this benefit.

Please call us: ¡ This benefit can only be used once during your
trip.
1-800-387-2487 (toll-free call from the USA
or Canada) ¡ Once you return to your trip destination, a
recurrence of the initial medical condition or
905-816-2561 (collect call from anywhere related condition will not be covered under
through a local operator) this insurance.

¡ When this benefit is provided to you, your

Return of children and escort for children
effective date under this insurance becomes
to their province or territory of residence
the day you leave your province or territory of
If children insured under one of our emergency
residence to return to your trip destination.
medical insurances travel with you or join you
during your trip and you are hospitalized for more Return of your dog or cat
than 24 hours or you must return to Canada ¡ If your domestic dog(s) or cat(s) travel with
because of your emergency medical condition you during your trip and you must return to
covered under this insurance, this insurance Canada because of your emergency medical
covers: condition covered under this insurance,
this insurance covers the cost of one-way
¡ the extra cost of a one-way economy air
transportation up to a maximum of $500 to
fare on a commercial flight via the most cost
return your domestic dog(s) or cat(s) to your
effective route for the return of those children
province or territory of residence.
to their province or territory of residence; and
Return of your excess baggage
¡ the cost of a return economy air fare via the
¡ If you return to your province or territory of
most cost effective route on a commercial
residence by air ambulance (pre-authorized
flight for an escort if the airline requires that
by us) because of your emergency medical
the dependent children be escorted.
condition, this insurance covers the cost to
Return of travelling companion return your excess baggage up to a maximum
¡ If you are travelling with a travelling of $500.
companion, this insurance covers one
Return of vehicle
travelling companion for the extra cost of a
¡ If, as a result of a medical emergency during
one-way economy air fare on a commercial
your trip, you are unable to return a vehicle to
flight via the most cost effective route to your
its point of origin, this insurance covers the
province or territory of residence, if you
reasonable and customary charges for a
must return to Canada to receive immediate
commercial agency to return the vehicle to
medical attention because of a medical
your residence or to a commercial rental
condition covered under this insurance.
agency.
Return to your trip destination
Bedside companion’s travel to your bedside
¡ This insurance covers you for a one-way
economy air fare on a commercial flight
IMPORTANT
via the most cost effective route to your
scheduled trip destination after you are A bedside companion is a person of your
returned to your province or territory of choice who is required at your bedside while
residence to receive immediate medical you are hospitalized during your trip.
attention, provided your attending physician

Underwritten by RBC Insurance Company of Canada. 11

If you are travelling alone and are hospitalized Repatriation of your remains
(for more than 24 hours) during your trip, then in If, during your trip, you die from a medical
the event a bedside companion is required, this condition covered under this insurance, the
insurance covers: insurance covers:

¡ the cost of a return economy air fare on a ¡ the transportation of your remains in the
commercial flight via the most cost effective common carrier’s standard transportation
route; container to your province or territory of
residence, and up to $5,000 for the preparation
¡ up to $500 for commercial accommodations
of your remains and for the cost of the
and meals for the bedside companion; and
common carrier’s standard transportation
¡ your bedside companion is insured under the container; or
terms of your insurance during the period in
¡ the transportation of your remains to your
which this person is required as your bedside
province or territory of residence and up to
companion.
$5,000 for the cremation of your remains at
If you are over age 20 and physically or mentally the location where your death occurred; or
disabled, or under age 21 and dependant on your
¡ up to $5,000 for the preparation of your
bedside companion for support, this insurance
remains and the cost of a standard burial
provides this benefit to you as soon as you are
container and up to $5,000 for the burial of
admitted to a hospital.
your remains at the location where your death
Domestic Services occurred.
¡ If you return to your province or territory of
If someone is legally required to identify your
residence by air ambulance because of your
remains, this insurance covers the cost of a return
emergency medical condition, and your
economy air fare on a commercial flight via the
medical condition restricts your ability to
most cost effective route and up to $500 for
perform domestic services, this insurance
commercial accommodations and meals for that
covers the cost of reasonable and customary
person. That person is covered under the terms of
domestic services provided by a registered
your insurance during the period in which he/she
domestic service business up to a maximum of
is required to identify your remains, but for no
$250. Benefit must be used within 30 days of
longer than 3 business days.
your return to your province or territory of
residence. Note: this benefit is applicable to
your primary residence.

Physician visit to replace lost, stolen or

damaged prescription medication
¡ If your prescription medication (needed to
stabilize your medical condition) is lost,
stolen or damaged during your trip, and the
medication is required for the balance of your
trip, this insurance covers the cost of one visit
to a physician to obtain a written prescription
in order for your medication to be dispensed
by a licensed pharmacist during your trip.
Note: this benefit is only covered if the
prescription medication requiring a written
prescription must be dispensed during your
trip and cannot be delayed until your return
to your province or territory of residence.

Underwritten by RBC Insurance Company of Canada. 12

Limitations, Conditions & Exclusions What Conditions Apply
What Coverage Limitations Apply: 1 By paying the premium for this insurance, you
1 This policy is issued on the basis of agree that we have:
information in your application or provided in
a your consent to verify your health card
connection with your application (including
number and other information required to
answers to the medical questionnaire, if
process your claim, with the relevant
required). When completing the application
government and other authorities;
and answering the medical questions, your
answers must be complete and accurate. In b your authorization to physicians,
the event of a claim, we will review your hospitals and other medical providers
medical history. If any of your answers are to provide to us any and all information
found to be incomplete or inaccurate: they have regarding you while under
observation or treatment, including your
¡ your coverage will be void
medical history, diagnoses and test results;
¡ which means your claim will not be paid and
2 You must call us before obtaining emergency c your agreement to the disclosure of the
treatment so that we may: information available under a) and b)
above to other sources, as may be required
¡ confirm coverage
for the processing of your claim for
¡ provide pre-approval of treatment benefits obtainable from other sources.

If it is medically impossible for you to call prior to 2 This insurance is subject to the “Terrorism
obtaining emergency treatment, we ask you to Coverage”, “General Conditions” and “How Do
call or have someone call on your behalf as soon You Submit a Claim?” sections outlined in this
as possible. Otherwise, if you do not call us before insurance.
you obtain emergency treatment, you will be
responsible for 30% of your medical expenses
What is Not Covered
covered under this insurance. Pre-existing Medical Condition Exclusions:

3 This insurance does not cover expenses TravelCare – Gold Coverage Exclusion 1
incurred within your home province or
territory of residence. TravelCare – Silver Coverage Exclusion 2

4 We will not pay a benefit if you are not TravelCare – Bronze Coverage Exclusion 3
covered under the government health
insurance plan (GHIP) of your province or EXCLUSION 1 – TRAVELCARE GOLD
territory of residence for the entire duration of This insurance does not pay for any expenses
the trip. It is your responsibility to check that incurred directly or indirectly as a result of:
you do have this coverage. If GHIP is not in 1 Your medical condition or related condition
force, this insurance is subject to a maximum (whether or not the diagnosis has been
of $20,000. determined) if, at any time in the 90 days
before you depart on your trip, your medical
condition or related condition has not been
stable.

2 Your heart condition (whether or not the

diagnosis has been determined) if, at any time
in the 90 days before you depart on your trip:

a Any heart condition has not been stable; or

Underwritten by RBC Insurance Company of Canada. 13

b You have taken nitroglycerin more than EXCLUSION 3 – TRAVELCARE BRONZE
once per week specifically for the relief of This insurance does not pay for any expenses
angina pain. incurred directly or indirectly as a result of:

3 Your lung condition (whether or not the 1 Your medical condition or related condition
diagnosis has been determined) if, at any time (whether or not the diagnosis has been
in the 90 days before you depart on your trip: determined) if, at any time in the 365 days
before you depart on your trip, your medical
a Any lung condition has not been stable; or
condition or related condition has not been
b You have been treated with or prescribed stable.
home oxygen (on a regular basis or on
2 Your heart condition (whether or not the
an as-needed basis) or treated with or
diagnosis has been determined) if, at any time
prescribed oral steroids (prednisone or
in the 365 days before you depart on your trip:
prednisolone) for any lung condition.
a Any heart condition has not been stable; or
EXCLUSION 2 – TRAVELCARE SILVER
This insurance does not pay for any expenses b You have taken nitroglycerin more than
incurred directly or indirectly as a result of: once per week specifically for the relief of
angina pain.
1 Your medical condition or related condition
(whether or not the diagnosis has been 3 Your lung condition (whether or not the
determined) if, at any time in the 180 days diagnosis has been determined) if, at any time
before you depart on your trip, your medical in the 365 days before you depart on your trip:
condition or related condition has not been
a Any lung condition has not been stable; or
stable.
b You have been treated with or prescribed
2 Your heart condition (whether or not the
home oxygen (on a regular basis or on
diagnosis has been determined) if, at any time
an as-needed basis) or treated with or
in the 180 days before you depart on your trip:
prescribed oral steroids (prednisone or
a Any heart condition has not been stable; or prednisolone) for any lung condition.

b You have taken nitroglycerin more than General Exclusions

once per week specifically for the relief of
In addition to the exclusion outlined above under
angina pain.
Pre-Existing Medical Condition Exclusions, this
3 Your lung condition (whether or not the insurance does not cover any loss, claim or
diagnosis has been determined) if, at any time expense of any kind caused directly or indirectly
in the 180 days before you depart on your trip: by:

a Any lung condition has not been stable; or 1 The continued treatment, recurrence or
complication of a medical condition or
b You have been treated with or prescribed
related condition, following emergency
home oxygen (on a regular basis or on
treatment during your trip, if our medical
an as-needed basis) or treated with or
advisors determine that your emergency has
prescribed oral steroids (prednisone or
ended.
prednisolone) for any lung condition.
2 The treatment of any heart or lung condition,
following emergency treatment for a related
or unrelated heart or lung condition during
your trip, if our medical advisors determine
that you were medically able to return to your
home country and you chose not to return.

Underwritten by RBC Insurance Company of Canada. 14

3 After your medical emergency treatment has well as any directly or indirectly related
started, we must assess and pre-approve complication.
additional medical treatment. If you undergo
14 A medical condition for which future
tests as part of a medical investigation,
investigation or treatment (except routine
treatment or surgery, obtain treatment or
monitoring) is planned before your effective
undergo surgery that is not pre-approved,
date.
your claim will not be paid. This includes, but
is not limited to, invasive testing, surgery, 15 Any medical condition or symptoms for which
cardiac catheterization, other cardiac it is reasonable to believe or expect that
procedures, transplant, and MRI. treatment will be required during your trip.

4 Your self-inflicted injury, suicide or attempt to 16 a Any claim related to routine pre-natal or
commit suicide. post-natal care; or

5 Any claim that results from or is related to b Any claim related to your child born during
your involvement in the commission or the trip; or
attempted commission of a criminal offence
c Any claim related to pregnancy, delivery, or
or illegal act.
complications of either, arising 9 weeks
6 Any medical condition arising during your before the expected date of delivery or 9
trip from, or in any way related to, the abuse weeks after.
of alcohol, drugs or other intoxicants.
17 Symptoms which would have caused an
7 Any medical condition, including symptoms ordinarily prudent person to seek treatment
of withdrawal, arising from, or in any way or medication in the 90 days before your
related to, your chronic use of alcohol, drugs effective date.
or other intoxicants whether prior to or during
18 Any claim incurred after a physician advised
your trip.
you not to travel.
8 Any medical condition that is the result of
19 Any expenses incurred if the reason for your
you not following treatment as prescribed to
emergency is associated in any way with an
you, including prescribed or over-the-counter
official travel advisory issued by the Canadian
medication.
government stating “Avoid all non-essential
9 We will not pay a benefit with respect to travel” or “Avoid all travel” regarding the
non-emergency, experimental or elective country, region or city of your destination
treatment (e.g. cosmetic surgery, chronic before your effective date.
care, rehabilitation including any expenses for
**To view the travel advisories, visit the
directly or indirectly related complications).
Government of Canada Travel site.
10 Your participation as a professional athlete in
This exclusion does not apply to claims for an
a sporting event including training or practice
emergency or a medical condition unrelated
for the same.
to the travel advisory.
11 Your participation in rock climbing or
20 If our medical advisors determine that you
mountain climbing.
should transfer to another facility or return to
12 Your participation in a motorized race or your home province/territory of residence for
motorized speed contest including training or treatment, and you choose not to, benefits
practice for the same. will not be paid for further medical treatment
and contract will be terminated.
13 A trip made for the purpose of obtaining a
diagnosis, treatment, surgery, investigation,
palliative care, or any alternative therapy, as

Underwritten by RBC Insurance Company of Canada. 15

21 a Applicable to optional insurance policy How to Become Insured, Extend or Modify
extension – Any medical condition which Your Insurance
first appeared, was diagnosed or received
How do you become insured?
emergency treatment prior to the
effective date of the insurance extension You become insured and this insurance document
if the extension was purchased after the becomes an insurance contract when:
contracted date of departure. ¡ Your name is on the insurance application/
b Applicable to top-up coverage – Any confirmation of coverage. You have
medical condition which first appeared, completed the medical questionnaire if
was diagnosed or received emergency required.
treatment prior to the effective date of ¡ The required premium has been paid on or
this insurance if this insurance was before your effective date.
purchased as top-up.
When does your coverage automatically
22 Any claim related to:
extend?
¡ an act of war whether declared or 1 If you cannot complete your trip by your
undeclared; return date because of the delay of a
¡ rebellion; common carrier in which you are scheduled
to travel, your coverage will automatically
¡ exposure to nuclear reaction or radiation; extend for the delay period to a maximum of
¡ radioactive, biological or chemical 72 hours.
contamination. 2 If you or your travelling companion are
23 Any expenses resulting from orbital space hospitalized on your return date or expiry
flights, sub-orbital space flights and space date, your coverage will automatically extend
tourism. for the period of hospitalization and up to
an additional 5 days after discharge.
Terrorism Coverage
3 If you or your travelling companion are
Where an act of terrorism directly or indirectly
delayed beyond your return date because of
causes a loss that would otherwise be payable
a medical condition and are medically unable
under one of the Covered Reasons in accordance
to travel, but are not hospitalized, your
with the terms and conditions of this insurance,
coverage will automatically extend for the
this insurance will provide coverage as follows:
delay period to a maximum of 5 days after
1 We will reimburse you up to a maximum of your return date.
100% of your eligible loss.
4 Regardless of the automatic extensions
2 The benefits payable are in excess to all other above, coverage will not continue beyond 365
potential sources of recovery, including but days from your latest date of departure from
not limited to, alternative or replacement your departure point.
travel options offered by airlines, tour
What if you decide to extend your trip?
operators, cruise lines and other travel
suppliers and other insurance coverage (even If you decide to extend your trip, any extension
where such other coverage is described as of your coverage is subject to the following
excess) and will only respond after you have conditions:
exhausted all such other sources. If you have not had a medical condition
1 a
under your existing coverage under any
of our insurances, you must request the
extension by contacting us before your
return date.

Underwritten by RBC Insurance Company of Canada. 16

b If you have had a medical condition under
your existing coverage under any of our
insurances, you must request the extension
by contacting us before your return date,
and the extension is subject to our
approval.

2 You must pay the required additional premium

before your original return date.

3 If the insurance for which you require the

extension is not available for the duration that
includes the total number of days of your trip
and any optional extension(s), your coverage
cannot be extended. Instead, you may be able
to purchase a new policy under the coverage:

a for which you are eligible; and

b that is available for the duration that

includes the period beginning with your
effective date and ending at your new
return date.

The terms, conditions and exclusions of the

extension policy apply to you during the extension
period.

Topping Up another travel insurance

coverage
If you are covered under another travel insurance
coverage, you may purchase top-up coverage
from us only before your date of departure from
your departure point, and:

a You must pay the required top-up premium

before your date of departure from your
departure point.

b The terms, conditions and exclusions of our

policy issued as top-up apply to you.

c You cannot purchase an annual coverage

to top-up a single trip (if you have travel
insurance included with your credit card
coverage, you can purchase an annual
coverage as top-up).

Underwritten by RBC Insurance Company of Canada. 17

Insurance Premium
About Your Premium Contract or Coverage Termination by Us
¡ The required premium is due and payable at 1 This policy is issued on the basis of
the time of purchase and will be determined information in your application or provided in
according to the schedule of premium rates in connection with your application (including
effect. answers to the medical questionnaire, if
¡ Premium rates and coverage terms and required). When completing the application
conditions are subject to change without prior and answering the medical questions, your
notice. answers must be complete and accurate. In
the event of a claim, we will review your
¡ Coverage will be null and void if credit card medical history. If any of your answers are
charges are invalid, or if no proof of your found to be incomplete or inaccurate:
payment exists.
¡ your coverage will be void
When can your premium be refunded?
¡ which means your claim will not be paid
If you are not completely satisfied with this travel
insurance, you may cancel it within 10 days of 2 If you fail to meet the eligibility conditions as
purchase for a full refund, provided you have not outlined under “Eligibility?” your insurance is
left on your trip and have not experienced an void and our liability is limited to a refund of
event that would cause you to submit a claim. the premium paid.
Refunds after the 10 day will not be permitted 3 You must repay us any amount paid or
unless: authorized by us on your behalf if we
1 Your trip is cancelled before your date of determine that the amount is not payable
departure from your departure point; under your policy.

2 If you return to your departure point before 4 This contract is void if a trip is made for the
your return date, the premium you paid for purpose of obtaining a diagnosis, treatment,
the unused days can be refunded, if you: surgery, investigation, palliative care, or any
alternative therapy, as well as any directly or
¡ provide proof of your date of return; and indirectly related complication.
¡ do not have a claim under the insurance.

IMPORTANT
No refund of premium will be made in the
event that a claim has been paid, incurred or
reported, or if you have already departed on
your trip.

Underwritten by RBC Insurance Company of Canada. 18

How to Submit a Claim
How to Submit a Claim Information Required for each type of
1 When you call us at the time of an emergency, claim
you will be given all the information required If you are making an Emergency Medical
to file a claim. Otherwise, please refer to the Insurance claim:
instructions below.
We require the fully completed Claim &
2 We do not cover fees charged for completing a Authorization form, and when applicable:
medical certificate.
¡ Our medical questionnaire.
3 You must file your claim with us within 90
¡ Original of all bills, invoices and receipts.
days of your return to your departure point.
¡ Proof of payment by your government health
¡ If you need a Claim & Authorization form,
insurance plan and payment from any other
please contact our Claims Department at
insurer or benefit plan.
1-800-387-2487 toll-free from the U.S. and
Canada, or (905) 816-2561. ¡ The completed and signed Power of Attorney
and Régie de l’assurance maladie du Québec
¡ Or you can visit our website at
forms if you reside in the province of Quebec.
http://www.rbcinsurance.com/travelinsurance
to obtain an Emergency Medical claim form. ¡ A complete diagnosis from the physician(s)
and/or hospital(s) who provided the
¡ Our address:
treatment, including, where applicable,
P.O. Box 97, Station A,
written verification from the physician who
Mississauga, Ontario, L5A 2Y9
treated you during your trip that the
expenses were medically necessary.

In addition, for accidental dental expenses, we

require proof of the accident.

FAILURE TO COMPLETE THE REQUIRED CLAIM &

AUTHORIZATION FORM IN FULL WILL DELAY THE
ASSESSMENT OF YOUR CLAIM.

Underwritten by RBC Insurance Company of Canada. 19

What can you expect from us when making Option to appeal if you do not agree with
a claim partial payment or denial
1 When making a claim under this insurance, If you have not been able to resolve your concern
you must provide the applicable documents with us and you have received a letter stating our
we require. Failure to provide the applicable final decision/proposal, you can contact the RBC
documentation will invalidate your claim. Insurance Customer Care Assurance office for
assistance. This office can offer a fair and
2 We will pay the expenses, other than for loss
objective review of both parties’ positions without
of life, covered under this insurance to you or
bias and provide a final report of its findings/
to the provider of the service(s). Any sum
recommendations.
payable for loss of life will be payable to your
estate unless otherwise specified in your What You Will Need:
insurance application/confirmation of
¡ Provide a written statement of your
coverage.
outstanding concerns and your resolution
3 Payment, reimbursement and amounts shown expectations.
throughout this contract are in Canadian
¡ Provide a copy of the RBC Insurance business
dollars, unless otherwise stated. If currency
division final decision/proposal letter.
conversion is necessary, we will use the
exchange rate on the date the last service was ¡ Provide any new information or
rendered to you. This insurance will not pay documentation not already submitted to
for any interest. support your position.
4 You must repay us any amount paid or Please contact:
authorized by us on your behalf if we
RBC Insurance Services Inc.
determine that the amount is not payable
Customer Care Assurance
under your policy.
PO Box 213, Station A
5 During the processing of a claim under this Mississauga, Ontario L5A 4N9
insurance, we may require you to undergo
Contact us online
a medical examination by one or more
https://www.rbcinsurance.com/cgi-bin/contact_
physicians selected by us and at our expense.
us.cgi?form=feedback

Call 1-888-728-6666

Fax 1-888-844-3331

Underwritten by RBC Insurance Company of Canada. 20

General Conditions Misrepresentation
1 Throughout this document, any reference 1 This policy is issued on the basis of
to age refers to your age on the date of information in your application or provided in
insurance application/confirmation of connection with your application (including
coverage. answers to the medical questionnaire, if
required). When completing the application
2 We and our agents are not responsible for the
and answering the medical questions, your
availability, quality or results of any medical
answers must be complete and accurate. In
treatment or of any transportation or of your
the event of a claim, we will review your
failure to obtain medical treatment.
medical history. If any of your answers are
3 This document, including the insurance found to be incomplete or inaccurate:
application/confirmation of coverage and,
¡ your coverage will be void
when applicable, the medical questionnaire,
is the entire contract between you and us. ¡ which means your claim will not be paid
Despite any other provision of this contract,
2 You must be accurate and complete in your
this contract is subject to any applicable
dealings with us at all times.
federal and provincial statutes concerning
contracts of insurance. 3 We will not pay a claim if you, any person
insured under this policy or anyone acting on
4 Every action or proceeding against an insurer
your behalf attempt to deceive us or makes a
for the recovery of insurance money payable
fraudulent, false or exaggerated statement or
under the contract is absolutely barred unless
claim.
commenced within the time set out in the
Insurance Act (for actions or proceedings Co-ordination of Benefits
governed by the laws of Alberta and British
If you are eligible for benefits, similar to the
Columbia), The Insurance Act (for actions
benefits provided under this insurance, the total
or proceedings governed by the laws of
benefits paid to you by all insurers cannot exceed
Manitoba), the Limitations Act, 2002 (for
the actual incurred expense.
actions or proceedings governed by the laws
of Ontario), or in other applicable legislation We will coordinate the payment of benefits from
in your province of residence. For those all insurers with whom you are eligible, to the
actions or proceedings governed by the laws maximum of the largest amount specified by each
of Quebec, the prescriptive period is set out in insurer.
the Quebec Civil Code.
1 In the case of out-of-country/province
5 You may only commence a legal action in the health care coverage:
province or territory where the policy was
a if you are retired and your former employer
issued. You or your heirs assign consent to the
provides to you, under an extended health
transfer of any legal action to the province or
insurance plan, a lifetime maximum
territory where the policy was issued.
coverage of:
Access to Care ¡ $50,000 or less, we will not coordinate
We will assist you to access care whenever payment with such coverage;
possible; however, we are not responsible for the
¡ more than $50,000, we will coordinate
quality of care you receive.
payment with such coverage only in
excess of $50,000; in accordance with
the coordinating coverage guidelines
issued by the Canadian Life and Health
Insurance Association.

Underwritten by RBC Insurance Company of Canada. 21

b if you are actively employed and your your action all amounts paid by us under this
current employer provides to you, under a policy;
group health insurance plan, a lifetime
3 Keep us informed on the status of your legal
maximum coverage of:
action and to provide us, free of charge with
¡ $50,000 or less, we will not coordinate such reports as we may reasonably require
payment with such coverage; and details of any settlement negotiations;
and
¡ more than $50,000, we will coordinate
payment with such coverage only in 4 Reimburse us for all emergency medical,
excess of $50,000. hospital and related costs paid under the
policy from any amounts you receive from a
2 If you are insured under more than one of our
third party responsible (in whole or in part)
policies, the total amount paid to you cannot
for your injury or sickness whether such
exceed the actual expense which you have
amounts are paid under a judgment or
incurred, and the maximum you are entitled to
settlement agreement.
is the largest amount specified for the benefit
in any one policy.

3 Any of our policies are excess insurance

and are the last payors. All other sources of
recovery, indemnity payments or insurance
coverage must be exhausted before any
payments will be made under any of our
policies.

Right to be Reimbursed (Subrogation) and

Third Party Recovery
As a condition to receiving benefits under this
policy, you agree that if you have a claim or
right of action against any person, company or
organization for the loss or expenses for which
under this policy we have made payment, you
shall, if requested by us, assign and transfer such
claim or right of action to us. You agree that you
will do nothing to prejudice our rights to recover,
and you will cooperate fully with us and to allow
us, at our own expense, to bring a law suit in your
name against the third party.

In the event that you institute a demand or action

in connection with the losses or expenses for
which under this policy we have made payment,
you agree to:

1 Immediately notify us of this claim and

provide the name and address of the lawyer
or firm pursuing this action on your behalf;

2 Advise the lawyer or firm acting on your

behalf about our right to be reimbursed under
this policy, and instruct any such lawyer or
firm acting on your behalf to include as part of

Underwritten by RBC Insurance Company of Canada. 22

Expiry date – the date on which your coverage
Definitions ends under this insurance, as shown on your
The following are our definitions and apply when insurance application/confirmation of coverage.
bolded and written in italics throughout this Government health insurance plan – the health
document. insurance coverage that Canadian provincial and
Children – dependent unmarried persons, who territorial governments provide for their residents.
are your natural, adopted or step-children, and Hospital – an institution that is licensed as an
are: accredited hospital that is staffed and operated
a under 21 years of age; or for the care and treatment of in-patients and
out-patients. Treatment must be supervised by
b under 26 years of age if full-time students; or physicians and there must be registered nurses
c your child of any age who is mentally or on duty 24 hours a day. Diagnostic and surgical
physically disabled. capabilities must also exist on the premises or
in facilities controlled by the establishment.
Commercial rental agency – a car rental agency A hospital is not an establishment used mainly
licensed under the law of its jurisdiction. as a clinic, extended or palliative care facility,
Contamination – the poisoning of people by rehabilitation facility, addiction treatment centre,
nuclear, chemical and/or biological substances convalescent, rest or nursing home, home for the
which causes illness and/or death. aged or health spa.

Departure point – the place you depart from on Immediate family – spouse, parent, legal
the first day of your intended travel period, as guardian, legal ward, step-parent, grandparent,
shown on your trip itinerary insured by us. grandchild, in-law, natural or adopted child,
step-child, brother, sister, step-brother, step-
Effective date – your effective date is shown on sister, aunt, uncle, niece, nephew.
your insurance application/confirmation of
coverage: Insurance application/confirmation of coverage
– the document provided by us or through your
TravelCare Medical coverage: online application which confirms the insurance
¡ the date on which you are scheduled to leave coverage you have purchased. The insurance
your departure point. This date cannot be application/confirmation of coverage forms part
more than 120 days from the date of your of the insurance contract.
insurance application/confirmation of
coverage. Medical condition – any disease, illness or injury
(including symptoms of undiagnosed conditions).
Top-up coverage:
¡ 12:01 a.m. on the day following the date of Medical questionnaire – the form that contains
expiry of your prior coverage; or questions that must be answered correctly at the
time of insurance application/confirmation of
¡ if you purchase top-up coverage for the coverage, and that, once completed and signed,
beginning portion of your intended travel forms part of the insurance contract. Your
period, your effective date is set out above medical condition at the time of completion of
based on the coverage you purchase as top- the medical questionnaire determines the terms
up. of coverage and/or the premium that apply to
Emergency – a sudden and unforeseen medical you.
condition that requires immediate treatment. An
emergency no longer exists when the evidence
reviewed by Assured Assistance Inc. indicates that
no further treatment is required at destination or
you are able to return to your province/territory
of residence for further treatment.
Underwritten by RBC Insurance Company of Canada. 23
You must complete the medical questionnaire if b If you purchase top-up coverage for the
you are applying for: beginning portion of your intended travel
period, your return date is 11:59 p.m. on the
a any TravelCare-, Gold, Silver or Bronze
day before the effective date of your
coverages; or
subsequent coverage.
b TravelCare-Gold Medical if your trip exceeds
Spouse – the person who is legally married to
183 days.
you, or has been living in a conjugal relationship
Mountain climbing – the ascent or descent of with you for a continuous period of at least one
a mountain requiring the use of specialized year and who resides in the same household as
equipment, including crampons, pick-axes, you.
anchors, bolts, carabiners and lead-rope or
Stable – a medical condition is considered
top-rope anchoring equipment.
stable when all of the following statements are
Network – the hospitals, physicians and other true:
medical service providers recognized by us at
¡ there has not been any new treatment
the time of the emergency.
prescribed or recommended, or change(s) to
Period of insurance – the period of time between existing treatment (including a stoppage in
your effective date and your return date. treatment), and

Physician – a person who is not you or a member ¡ there has not been any change to any existing
of your immediate family or your traveling prescribed drug (including an increase,
companion, licensed in the jurisdiction where the decrease, or stoppage to prescribed dosage),
services are provided, to prescribe and administer or any recommendation or starting of a new
medical treatment. prescription drug, and

Pre-existing medical condition – any medical ¡ the medical condition has not become worse,
condition that exists prior to your effective date. and

Prescription drug – drug or medicine that can ¡ there has not been any new, more frequent or
only be issued upon the prescription of a licensed more severe symptoms, and
physician or dentist and is dispensed by a
¡ there has been no hospitalization or referral to
licensed pharmacist. Prescription drug does not
a specialist, and
mean such drug or medicine when you need (or
renew) them to continue to stabilize a condition ¡ there have not been any tests, investigation
which you had before your trip, or a chronic or treatment recommended, but not yet
condition. completed, nor any outstanding test results,
and
Professional – engaged in a specified activity as
your main paid occupation. ¡ there is no planned or pending treatment.

Reasonable and customary – charges incurred All of the above conditions must be met for a
for goods and services that are comparable to medical condition to be considered stable.
what other providers charge for similar goods and
Terrorism or act of terrorism – an act, including
services in the same geographical area.
but not limited to the use of force or violence
Return date – and/or the threat thereof, including hijacking or
kidnapping, of an individual or group in order to
a The date on which you are scheduled to return
intimidate or terrorize any government, group,
to your departure point. This date is shown
association or the general public for religious,
on your insurance application/confirmation
political or ideological reasons or ends, and does
of coverage;
not include any act of war (whether declared or
not), act of foreign enemies or rebellion.

Underwritten by RBC Insurance Company of Canada. 24

Top-up – the coverage you purchase from us: Trip – the period of time between leaving your
departure point up to and including your return
a to add to your insurance beyond the duration
date.
covered under your Multi-Trip Annual
Coverage; or Vehicle – a private passenger automobile,
motorcycle, minivan, mobile home, camper truck
b before your date of departure from your
or trailer home which you use during your trip
departure point to complement travel
exclusively for the transportation of passengers
insurance coverage that is in effect through
other than for hire. It can be either owned by you
another program or policy of insurance for a
or leased by you from a commercial rental
portion of your trip duration or value.
agency.
Travelling companion – the person who is
We, us and our refer to RBC Insurance Company
sharing travel arrangements with you, to a
of Canada and Assured Assistance Inc.
maximum of three persons.
You and your refer to the person named as
Treat, treated, treatment – a procedure
the insured on the insurance application/
prescribed, performed or recommended by a
confirmation of coverage, when the required
physician for a medical condition. This includes
insurance premium has been paid before the
but is not limited to prescribed medication,
effective date.
investigative testing and surgery.

RBC Insurance Company of Canada and

Assured Assistance Inc.
P.O. Box 97, Station A,
Mississauga, Ontario L5A 2Y9

Underwritten by RBC Insurance Company of Canada.

® / ™ Trademark(s) of Royal Bank of Canada. Used under licence.
‡
Registered trademark of Aetna. Used by permission. VPS105166 123642 (12/2019)