We highly recommend travel insurance. Between missed connections, lost or delayed luggage, or medical emergencies, you want the peace of mind that your vacation investment is well protected. No matter who you buy from - please consider vacation insurance before you travel.

Why Buy Travel Insurance?

Not sure you need travel protection? Here are a few commonly asked questions:

Q. Why should a traveler buy travel insurance?
A. Travel insurance gives travelers coverage for unforeseen problems, from a cancelled flight to a serious illness—or in rare cases, even an act of terrorism or the financial default of a travel supplier. If an illness, accident, or other covered unforeseen circumstance forces a traveler to cancel or interrupt their plans, they face two major financial losses—money invested in nonrefundable pre-payments, and medical expenses that in many instances may not be covered by health insurance.

Q. What happens if a traveler must cancel their vacation?
A. Often a traveler will lose nonrefundable deposits and prepayments that can add up to hundreds—or even thousands—of dollars. A comprehensive travel insurance plan through RBC Insurance can provide trip cancellation coverage for the traveler's vacation investment—the insurance company reimburses the traveler for all pre-paid, nonrefundable expenses for a covered loss.

Q. How does trip cancellation and interruption coverage work?
A. It reimburses for forfeited, nonrefundable, unused payments or deposits if the traveler must cancel or interrupt their trip due to a covered reason.

Q. What other coverage is typically included in a travel insurance plan?
A. In addition to trip cancellation and interruption, the more comprehensive travel insurance plans available today may also cover emergency medical expenses; emergency medical transportation, when ordered by a doctor, to the nearest adequate medical facility; reimbursement for accommodations and expenses incurred due to travel delays; reimbursement for the purchase of essential items if baggage is delayed; and coverage against lost, stolen or damaged baggage.

Q. Does travel insurance cover terrorism?
A. Many travel insurance policies do not cover terrorism, or only cover terrorist acts that occur on foreign soil. Travel insurance through RBC Insurance can cover terrorist incidents both in the United States and abroad.

Q. Is the financial default of an airline, cruise line or tour operator covered?
A. All of RBC's retail insurance programs include financial default coverage if the program is purchased within 15 days of making the initial trip deposit.

Q. How much does travel insurance cost?
A. The cost of travel insurance is based, in most cases, on the value of the trip and the age of the traveler. Typically, the cost is five to seven percent of the trip cost.

If you need immediate emergency travel assistance please contact RBC Insurance at 1.905.816.2561 (International Collect).