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RBC Insurance Travel Insurance Review 2024

Updated: Feb 28, 2024, 7:33am

Reviewed By

Whether you’re planning a dream vacation, snowbird getaway, destination wedding or cruise, RBC Insurance has a travel insurance plan to suit your needs. With unlimited emergency medical coverage, a full suite of travel insurance plans and a package geared towards mature travellers, RBC offers peace of mind in case of a travel emergency. While the included trip benefits are lower than other plans, the available package upgrade rider sweetens the offer.

• Unlimited emergency medical coverage
• Coverage for pre-existing conditions
• Package upgrade available
• No CFAR coverage
• Expensive for travellers over age 65
• No app for easy claim submission

Table of Contents

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RBC Insurance is the brand name for the operating entities of Royal Bank of Canada—Canada’s biggest bank. RBC Insurance offers a range of insurance options, including life, health, home, auto and travel to individual, business and group clients.

RBC Insurance is underwritten by RBC Insurance Company of Canada.

Here are the key types of travel insurance coverage offered in RBC Insurance travel insurance plans:

• Emergency medical insurance: If you get ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the coverage limits in your plan. These expenses can include doctor and hospital bills, medication and lab work.
• Trip cancellation insurance: If you cancel a trip for a reason listed in your travel policy, such as you or your travelling companion becoming ill, weather conditions causing a massive delay or you losing your job,  trip cancellation insurance can reimburse you for prepaid, non-refundable costs.
• Travel interruption or delay insurance: Trip interruption insurance can pay for a last-minute flight home in an emergency and reimburse money that you lose by cutting a trip short, such as non-refundable activities and hotel stays. If your flight is delayed , your insurance can cover the cost of incidentals, such as meals or accommodations, after a specified period of time, such as 10 or 12 hours.
• Baggage insurance: Baggage travel insurance can compensate you up to your policy limits if your luggage is lost or stolen. It will reimburse the depreciated value of your suitcases and what you packed. If your bags are delayed, it can reimburse you for the cost of the necessities you’ll have to buy to tide you over. It also extends to your personal belongings, if anything is lost, damaged or stolen.
• Travel accident insurance. This coverage offers compensation in the event of accidental death or catastrophic injury from an accident during your trip. Flight Accident Insurance covers injury while you’re on a commercial plane, during a connection or in an airport. Travel Accident Insurance covers death or dismemberment, including the loss of limbs or eyesight, while on your trip.

RBC Insurance Travel Insurance offers three packaged plans for travelling outside of Canada:

Deluxe Package: This is the most comprehensive plan offered by RBC Insurance. It includes coverage for unforeseen medical emergencies, trip cancellation and interruption, flight and travel accidents, and baggage loss, damage and delay.

Emergency medical treatment includes:

• Hospital accommodation in a semi-private room
• Services of a legally licensed physician, surgeon, anaesthetist or nurse
• Private duty nursing
• Ground or air ambulance
• Rental or purchase of a hospital bed, wheelchair, brace, crutch or any other medical appliance
• Diagnostic tests
• Prescription drugs and medication
• Paramedical services, such as care from a chiropractor, osteopath, physiotherapist, chiropodist or podiatrist, up to $300 per profession
• Ambulance transportation
• Emergency dental due to a blow to the face (emergency expenses covered during your trip, plus $1,500 when you return home)
• Emergency dental due to pain, up to $300

Medical benefits also include coverage to bring someone to your bedside, expenses for meals, hotel accommodations and associated expenses if a medical delay prevents you from returning home, repatriation expenses, return of your remains if you die and a hospital allowance for expenses such as parking and TV rental.

Non-Medical Package: If you have medical coverage elsewhere, such as a RBC travel credit card , this covers trip cancellation and trip interruption, flight and travel accidents, and baggage loss, damage and delay.

TravelCare Package: For travellers over age 75, this package includes coverage for unlimited emergency medical, trip cancellation and interruption, baggage loss, damage and delay, and flight and travel accidents. Pre-existing conditions may also be covered depending on your answers to a medical questionnaire and the TravelCare category for which you qualify. There are three TravelCare categories: Gold, Silver and Bronze. Travellers with a score of zero on the questionnaire will be assigned to the Gold category that stipulates a 90-day stability period for pre-existing conditions. Travellers with median scores (between 5 and 35) will be assigned to the Silver category that requires a 180-day stability period, while travellers with the highest scores (40 and over) will be assigned to the Bronze category that requires a 365 day stability period. Here are some examples of questions and the related scores:

• Have you ever, in your lifetime, been diagnosed with any heart conditions? (No= 0, Yes = 20)
• In the last 12 months have you received or has your physician recommended chemotherapy or radiation therapy for any cancer condition? (No = 0, Yes = 5)
• In the past 12 months, have you used or been prescribed oxygen? (No = 0, Yes = 40)

Family plan pricing is available for both the Deluxe Package and Non-Medical Package.

When you go through the quote process, RBC Insurance also offers prices for basic Cancellation and Interruption Insurance and Classic Medical insurance.

We’ve highlighted key benefits of RBC Insurance Travel Insurance for the single trip plans to help you identify which coverage is the best fit for you.

The price of a RBC Insurance travel insurance plan depends on factors such as the cost of your trip, your age and the amount of coverage you choose.

Here are some examples of the cost for RBC Insurance travel insurance single trip plans for healthy travellers based in Ontario.

Emergency medical: $5 million Cancel For Any Reason: Yes, 50% to 75% Baggage insurance (maximum): $1,500

Related: CAA Travel Insurance Review

TD Insurance

Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000

Related: TD Insurance Travel Insurance Review

Manulife Financial

Emergency medical: $10 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000

Related: Manulife Financial CoverMe Travel Insurance

RBC Insurance offers a Package Upgrade Rider that can be purchased in conjunction with any of the packaged single trip or multi-trip options. It can not be purchased on its own. Here are the main benefit upgrades offered by this add-on:

Yes. You can buy multi-trip annual insurance if you travel more than once a year for multiple individual trips. RBC Insurance offers the Deluxe Package and the TravelCare Package for nine, 16 or 30 days. There is no multi-trip option for the Non-Medical Package. If you stay longer than the number of days you purchased, you can purchase a top-up.

Here’s how the prices between single-trip and multi-trip insurance for 16 days compare:

Worldwide emergency medical assistance is available 24/7 by calling RBC’s claims and assistance partner Allianz Global Assistance. When you have a medical emergency, the following support may be available:

• Referral to a recommended medical service provider near you
• Transportation to a suitable facility for medical treatment to stabllize or treat your medical condition
• Confirmation of coverage and direct payment of fees to the recommended medical service provider
• Consultation with your attending physician to monitor your care
• Monitoring of the appropriateness, necessity and reasonableness of care to ensure expenses will be covered

If you don’t call Allianz Global Assistance first, your benefits may be reduced and your coverage may be limited to 70% of your medical expenses under your insurance plan, meaning you’ll be financially responsible for 30% out of pocket.

RBC Insurance will not pay any medical expenses related to a medical condition that is not stable for a set period of time before your coverage takes effect, either 90, 180 or 365 days depending on your answers to a medical questionnaire that will assign you to one of three TravelCare categories: Gold, Silver or Bronze.

According to RBC Insurance, a medical condition is considered stable when all of the following are true:

• There has been no new treatment prescribed or recommended or any change in existing treatment, including a stoppage
• There has not been any change in medication, or any recommendation for or starting of a new prescription drug
• The medical condition has not become worse
• There has not been any new, more frequent or more severe symptoms
• There has been no hospitalization or referral to a specialist
• There have not been any tests, investigation or treatment recommended but not yet complete, nor any outstanding test results
• There is no planned or pending treatment

In addition, RBC Insurance will not cover:

• Any heart condition that is not stable in the 90, 180 or 365 days before your trip
• Any heart condition for which you’ve had to take nitroglycerin for angina pain in the 90, 180 or 365 days before your departure date
• Any lung condition that is not stable in the 90, 180 or 365 days before your trip
• Any lung condition for which you’ve been treated with or prescribed home oxygen, prednisone or prednisolone in the 90, 180 or 365 days before your departure date

There are a number of scenarios not covered by travel insurance and it’s critical to know what not to do before you make a claim only to be told you’re on the hook for all associated costs. The following are some of the most common issues not covered by travel insurance:

• A claim against an unstable pre-existing medical condition
• The continued treatment of a medical condition on once the emergency period has ended
• Your self-inflicted injury, suicide or attempted suicide
• Any claim related to a criminal offence or illegal act
• Any medical condition arising from the abuse of drugs, alcohol or other intoxicants, or withdrawal from drugs, alcohol or other intoxicants
• Any medical condition that is the result of you not following prescribed treatment
• Any claims related to non-emergency, experimental or elective treatment, such as cosmetic surgery, chronic care or rehabilitation
• Your participation in a sport as a professional athlete
• Your participation in rock climbing or mountain climbing
• Your participation in a motorized race or speed contest
• A trip made for the purpose of obtaining a diagnosis, treatment, surgery, investigation, palliative care, or any alternative therapy
• Any claim related to pre-natal or post-natal care
• Any claim related to a child born on the trip, or any claim related to pregnancy, delivery or complications of either arising nine weeks before or after your expected due date
• Any claim which would have caused a prudent person to seek medical treatment in the 90 days before your effective date
• Any claim incurred after a physician advised you not to travel
• Any claim related to a government travel advisory for “Avoid all non-essential travel” or “Avoid all travel”
• Any expenses from orbital space flights, sub-orbital space flights and space tourism

To be eligible for RBC Insurance travel insurance coverage, the following must apply:

• You must be a Canadian resident
• You must be under 60 years of age and travel for 183 days or less
• You must be 60 years of age or older and under 75 years of age and travel for 60 days or less
• Have correctly completed the medical questionnaire if the non-refundable portion of your trip costs exceed $15,000
• Be covered under your government health insurance plan, or your insurance maxes out at $20,000 in coverage

You can file a claim by visiting the RBC Insurance travel insurance website where you can obtain an emergency medical or cancellation and interruption claim form. You can complete the document(s) digitally and then submit it and all required documentation through the online claim submission page.

If you are making an emergency medical claim, documentation may include:

• Original of all bills, invoices and receipts
• Proof of payment by your government health insurance plan and payment from any other insurer or benefit plan
• A complete diagnosis from the physicians and/or hospitals who provided the treatment including verification that the treatment was medically necessary
• For accidental dental expenses, proof of the accident

For a trip cancellation and trip interruption claim, you may be asked to provide:

• A medical document stating why travel was not possible
• Written evidence of the covered reason that caused the cancellation, interruption or delay
• Tour operator terms and conditions
• Complete original unused transportation tickets, vouchers, cruise shore excursion or special ticket events
• Receipts for the prepaid land arrangements and/or out of pocket expenses
• Original passenger receipts for new tickets
• Reports from the police or local authorities documenting the cause of a missed connection
• Detailed invoices and/or receipts from the service provider(s)

If you are making a baggage loss, damage and delay insurance claim, you will need to provide:

• Proof of loss/damage (copies of reports made to the authorities), proof of ownership and receipts for the items claimed in the event of loss or damage
• Proof of delay and receipt for purchases or necessary toiletries and clothing in the event of a delay

If you are making a flight and travel accident insurance claim:

• Police reports, medical records, death certificate, autopsy report or coroner’s report

You must file a claim within 90 days of return to your departure point.

RBC Insurance Travel Insurance FAQs

Does rbc insurance pay for medical costs upfront.

According to the company, the payment of eligible medical services will be coordinated through RBC Insurance, communicated with your medical provider and billing arrangements “will be discussed.” The insurer notes that pay assistance “may not be available from certain medical service providers for reasons beyond our control.”

Does RBC Insurance offer coverage extensions?

Yes. Your coverage is automatically extended for 72 hours starting on the final day of your trip due to a transportation delay. If you or your travelling companion are hospitalized, your coverage is extended for the period of hospitalization, plus up to five days after discharge. If you or your travelling companion is unfit to travel due to a medical emergency that does not require hospitalization, your coverage is automatically extended for up to five days.

You can also request an extension if you want to stay longer on your trip, provided you apply before the expiry date of your policy and you haven’t made any claims or you’re not currently seeking treatment. If the extension is not available, you may be able to purchase a new policy.

Does RBC Insurance cover COVID-19?

The emergency medical coverage provides for medical expenses related to COVID-19 as long as there are no “Avoid all travel” or “Avoid all non-essential travel” advisories issued by the Canadian government on the day you depart on your trip. RBC Insurance will not pay trip cancellation or interruption benefits if you are required to cancel your trip for a reason related to COVID-19 unless:

• You get sick with COVID-19 and it prevents you from travelling as planned • Your spouse and/or children become sick with COVID-19 and prevents you from travelling as planned

Does RBC Insurance require a medical questionnaire?

Yes. Travellers age 65 and over must complete a comprehensive medical questionnaire that asks questions about your eligibility for insurance.

If it’s discovered that you did not answer the questions truthfully or there are any errors, this may void your plan and/or your claim may be denied.

Also, regardless of age, if the non-refundable portion of your pre-paid travel expenses exceeds $15,000, you will be required to complete the medical questionnaire.

Does RBC Insurance have any age restrictions?

If you are between 60 and 75 years old, the maximum number of travel days is 60 days. Also, travellers over age 65 need to quote and buy insurance separately even when travelling together. The Deluxe Package is available for travellers aged 0 to 74 for single trip plans and age 0 to 64 for multi-trip plans. The TravelCare Package is available for travellers age 75 and over for single trip plans and age 65 and over for multi-trip plans. The Non-Medical Package is available for all ages.

When does my coverage with RBC Insurance begin?

In general, if you purchase cancellation coverage, it begins the day you buy your policy and ends the day when you make a claim or leave on your trip. Your interruption coverage, if purchased, begins when you leave home. Your delay coverage begins once an insured risk prevents you from returning home as scheduled.

Does RBC Insurance offer a free look period?

Yes. RBC Insurance offers a 10-day “Free Look” period where you can review your policy and decide to cancel it within 10 days of purchase if you have not already left for your trip and there is no claim in progress or you have not experienced an event that would cause you to submit a claim.

Can I get a refund with RBC Insurance?

Refunds after the 10 day “Free Look” period are not permitted unless:

• The supplier (tour operator, airline, etc.) cancels your trip and all penalties are waived • The supplier changes the travel days and you are unable to travel on these dates and all penalties are waived • You cancel your trip before any cancellation penalties are in effect

Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

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Cross-Border Discover & Learn

Traveling beyond your province or territory protect yourself with travel insurance 9 ..

When your travels take you far from home in Canada, even a minor accident or sickness can become a major expense and a costly inconvenience—especially since the coverage you have may not fully protect you, whether that’s your provincial health plan, protection offered through your credit card or coverage through your employer. 

Your Government Health Insurance Plan (GHIP) typically covers only a limited portion of your medical expenses once you leave the country and your province. For example, a four-day stay in a U.S. hospital for an appendectomy could cost $39,400 (USD), with only $1,600 (CAD) covered by your GHIP. And a one-day stay in a U.S. hospital for a broken arm could cost $32,600 (USD), with only $400 (CAD) covered by your GHIP. 

Coverage offered through your credit card 9 and employer, while valuable, may only cover specific scenarios and not offer the comprehensive protection you will want while you’re away from home.

Travel insurance can cover your entire family for the duration of your trip, and family pricing is generally available to help you save on the coverage you need. If you travel regularly, a multi-trip annual travel insurance plan that can offer protection for a full year, regardless of the number of times you travel, is a smart option to consider.

RBC Insurance – Travel Insurance that offers more coverage in more places ™ RBC Insurance offers the travel coverage you need, as well as 24/7 access to a caring team of medical professionals – no matter how big or small your emergency. Here are some of the reasons we recommend RBC Insurance to our clients:

• 24/7 worldwide emergency travel assistance through a toll-free emergency help line
• Multilingual assistance from caring professionals – ready to help you wherever you are in the world
• Best in class claims service, with knowledgeable claims and service advisors available to you
• Registered nurses and consulting physicians available 24/7

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Trip Cancellation and Interruption Insurance for RBC Clients 1

Things don't always go as planned.

Protect your travel investment—just in case your trip gets cancelled or interrupted.

Get a Quote

Financial protection for your trip expenses.

Have you bought an airline ticket or made a non-refundable and/or non-transferable hotel deposit? This coverage protects your purchase in case you get sick or an unexpected event forces you to cancel your trip, come home early or delay your return home. Here’s how it can help:

Before Departure 2

Trip cancellation insurance reimburses you for non-refundable and/or non-transferable deposits on pre-paid travel arrangements and cancellation penalties that a transportation carrier or tour guide may charge.

See More See Less

Insurance Documents:

For complete coverage details, limitations and exclusions, see:

• Trip Cancellation and Interruption
• Trip Cancellation and Interruption Quebec Documents

After Departure 2

Trip interruption insurance covers extra costs if you need to return home sooner or later than planned and reimburses you for non-refundable and/or non-transferable portions of unused, prepaid travel arrangements.

Other Expenses 2

Out of Pocket expenses reimburses you for extra expenses like a hotel, meals, taxi fares (ride sharing, or rental car in lieu of taxi fares) if a covered situation happens.

Do you need medical coverage, too?

Consider a travel insurance package instead if you think you may need coverage for emergency medical expenses and other situations. All of our packages include trip cancellation and interruption insurance.

Make sure you have the right travel insurance—get an online quote or call the Enrollment Centre.

Have an RBC Royal Bank credit card with travel coverage?

If you’re using an RBC Royal Bank credit card to pay for your trip in full, see if your card provides enough coverage for your trip.

See If My Card Covers Me

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Travel HealthProtector Has Been Replaced with New and Improved Coverage!

On May 1, 2020, we replaced Travel HealthProtector insurance with a new travel insurance product lineup.

RBC clients 1 can now enjoy:

• More choice, including robust travel insurance packages and travel medical plans
• Trip cancellation and interruption insurance as part of a package or stand-alone plan
• A shorter and simpler medical questionnaire (for clients age 65 and older vs. age 60 and older)

1) RBC client is defined as a client of the RBC Companies or a spouse or child(ren) of a client.

Travel Insurance Quote

What do you need coverage for.

Choose a trip type to help us provide a quote recommendation on the type of coverage that may be right for you.

Please note that a Multi-Trip quote will not factor in your credit card’s travel insurance coverage. This is because credit card coverage can be calculated for Single Trip quotes only. If you want to see what your credit card will cover, we recommend starting with a Single Trip quote first.

Underwritten by RBC Insurance Company of Canada.

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Endorsements for Your Property

Think you might need additional insurance.

You can purchase extra coverage for water damage, or to protect especially valuable items you have at home.

Get a Quote

Available endorsements.

Endorsements are optional coverages or changes to your policy that increase your insurance coverage or provide an additional benefit to you.

Major Renovation Endorsement *

Measure twice, cut once – a cautionary message that’s especially true for renovations done on your home. As one of your most valuable assets, your home needs proper protection when you make improvements.

The Major Renovation endorsement protects not only your investment in your renovations, but your whole home as well. Without it, uninsured work can impact the coverage of your existing home policy, leaving you vulnerable to significant risk and losses. Protect your family from the pitfalls that can come from renovation.

Types of major renovations

Major renovations include:

• First-floor addition or extension
• Adding another floor
• Adding a garage or replacing an existing garage (attached or detached)
• Removal of load bearing walls
• Opening an exterior wall

Kitchen, bathroom, basement renovations or any of the included major renovations that require any of the following:

• Building permit or other regulatory permits
• Structural architect
• Renovations that leave a premises temporarily unlivable during the renovations
• Coverage details: Pricing varies based on renovation value

Sewer Back-up Coverage Endorsement *

Water damage continues to be the leading property insurance claim in Canada. For an additional premium, this endorsement can help protect the investment you’ve made in your basement.

How this coverage protects you

This endorsement helps to protect you financially in case of sudden and accidental loss from:

• Sewer back-up
• Sump pump back-up
• Retention tanks and septic tanks

In the event of water damage to your basement, the Sewer Back-up Coverage endorsement can provide coverage up to the limit stated in your policy to:

• Protect the investment you’ve made in your basement
• Help cover expenses such as water removal, tearing out damaged materials, replacing damaged fixtures and belongings, and repairing water-related damage to your walls and flooring

When added to your condo policy

When added to your condo insurance policy, your personal property and any upgrades you have made to your unit can be protected against direct loss or damage caused by the backing up, escape, discharge or overflow of water or sewage.

When added to your tenant policy

When added to your tenant insurance policy, your personal property can be protected against direct loss or damage caused by the backing up, escape, discharge or overflow of water or sewage.

Note: This coverage does not insure against any loss or damage if the backing up, escape, discharge or overflow of water or sewage was due to flood or continuous, repeated seepage, or leakage of water or sewage.

Overland Water Endorsement *

Canadians are increasingly feeling the effects of changing weather patterns, including severe storms resulting in water damage. Whether you own a home or rent, this endorsement can provide important coverage for damage from overland water entering your home as a result of torrential rains, spring thaws or over-flowing rivers or lakes.

Ineligible properties

• Mobile homes
• Properties in areas that are highly prone to overland water events (other exclusions and restrictions apply)
• Seasonal properties
• Properties in the Province of Quebec
• Properties with a reverse slope driveway

Cyber Endorsement *

Keep up with the fast-paced digital world securely and confidently with the Cyber Endorsement for your household, an optional add-on coverage. From computers and cloud services to smartphones and smart home devices, our lives are more connected than ever before. With these conveniences, we’re working, learning, shopping and even storing personal information and photos online. Every device and account provides an access point for those who could do financial, personal, or emotional harm through cyber attacks. Help keep you and your family safe from digital risks with cyber insurance coverage for your household.

Coverage details: $75 annual premium. In the event of a claim, the limit is $25,000 with a $1,000 deductible.

• Online fraud: Coverage for identity theft, unauthorized bank/credit card use, counterfeit currency, criminal deception
• Computer attack: Pays for the costs of restoring data and systems following the unauthorized use, access or execution of a malware attack
• Home systems attack: Covers the costs of restoring data and systems following the unauthorized use, access or execution of a malware attack on your connected home devices
• Identity theft: Pays for recovery expenses as well as services of a case manager to help restore identity and credit records
• Data breach: Pays for the costs of the loss, theft, accidental release or accidental publication of personally identifying or personally sensitive information in which you are entrusted
• Cyberbullying: Reimbursement for costs incurred from being a victim of a cyberbullying attack. Counselling, legal expenses relocation, tutoring, social media monitoring etc.
• Cyber extortion: Provides professional assistance in response to a demand for money or other consideration – after a threat to damage, disable, deny access or disseminate content from your device

Scheduled Personal Articles Endorsement *

For an additional premium, you can increase the insurance coverage for certain valuable personal articles (such as a high-end mountain bike) if your plan’s special coverage limits don't fully cover those items.

With this endorsement, personal articles itemized in your Certificate of Property Insurance are insured for unforeseen loss or damage caused by all sudden and accidental risks of direct physical loss or damage, except for what is described in your policy.

Increased Jewellery Endorsement *

If your plan’s special coverage limits for jewellery, watches and precious stones does not adequately cover your items, you can purchase coverage to increase these limits for theft.

Home Business Extension of Coverage *

If you have stock or business equipment in your home, you can purchase additional coverage to have it insured up to a certain amount.

This endorsement is subject to additional conditions, which are listed in the policy.

Earthquake Coverage *

If you live in a quake-prone area such as Quebec or British Columbia, you may want to consider adding Earthquake coverage to your policy.

For an additional premium, you can insure your property (depending on the type of insurance you have this could include your building, detached structure(s) and personal property on your premises) against loss or damage caused by earthquake. If more than one earthquake shock occurs within a 168-hour period, they will be considered a single earthquake.

If an earthquake damages the walls or roof of your dwelling, you will be insured for the resulting damage inside your dwelling caused by rain, snow, wind or hail. Loss or damage caused by the following perils are not insured even though they are directly caused by earthquake: flood, waves, tidal waves, high water, waterborne objects or ice.

Home Repair Bundle Endorsement *

Avoid large claims by making minor repairs before there is a major issue. For an additional premium, you can add the Home Repair Bundle endorsement to your property policy. Claims against this endorsement will not count as a claim on your policy and will not affect any claims-free discount or disappearing deductible on your policy. This bundle includes:

• Home Repair Assure to fix a minor issue before it leads to a large claim.
• Provides easy access to local contractors and trade professionals to repair (not replace) a variety of household items before they can cause major damage
• Includes repairs to heating system breakdown, internal plumbing and owned water heaters, internal electrical, internal gas supply lines, roofing repairs, pest infestations and security assistance service (e.g., securing broken windows or doors)
• Covers the cost of parts, service and labour up to $2,000 per claim ($5,000 aggregate per policy term)
• Short hotel stays may also be covered depending on the type of repairs made
• Repairs are backed by a $1,000 workmanship guarantee
• 45-day waiting period between time of purchase and time coverage goes into effect

Claim Prevent to help prevent a further claim occurring from the same cause.

• Provides up to $2,500 to buy and install an approved loss prevention device to protect your home from experiencing the same loss again
• Approved devices include fire alarm/suppression systems, security systems, sump pumps, automatic water shut-off devices, lightning suppression systems, back-up power systems and hail-resistant roofing materials
• Can only be used after a claim has occurred
• HALO Assist for free access to phone advice from legal and home repair experts.
• One-stop service providing unlimited phone access to qualified lawyers, potentially saving you hundreds of dollars
• Also includes phone assistance with home repair questions
• Legal assistance does not answer questions related to criminal, insurance or business activities
• Using HALO Assist is not considered a claim under your policy and is not subject to any deductibles

Home & Property Insurance FAQs

Find answers to your questions about home insurance coverage, deductibles and premiums.

What does home insurance usually protect?

It depends on the type of home you live in. If you own a house, your property insurance will cover the house itself and detached structures like a fence or storage shed.

Your insurance will also cover personal belongings such as jewellery, artwork, furniture, computers, carpets and more.

Finally, your policy also includes third-party liability coverage. This protects you against personal liability if somebody is injured while on your property or if you accidentally cause damage to a neighbour's property.

When should I buy home insurance?

Your coverage should begin as soon as you become the legal owner or tenant, even if your home or condo unit is still being built.

What is the difference between All Perils and Specified Perils coverage?

• All Perils protects your insured property against the widest range of risks and only excludes the perils specifically listed in your policy.
• Specified Perils protects your insured property against the most common risks, which will be listed in your policy.

Why do I need tenant insurance?

The owner of the property you're renting almost certainly has insurance on the building itself. They may also have coverage for certain items inside your rental unit, such as the carpets, light fittings and appliances. So you may wonder why you need coverage too.

Here are two excellent reasons:

• Your landlord's insurance will not cover your personal belongings. Your jewellery, artwork, furniture, entertainment equipment and other valuable belongings will not be protected.
• You also need to protect yourself against personal liability for injuries to visitors to your home or for damage you accidentally cause to a neighbours' property.

For details, see: Tenant Insurance .

Why do I need condo insurance?

Your condominium corporation has insurance, so you may wonder why you need your own coverage.

Here are three excellent reasons:

• Your condominium corporation's policy will not cover your personal belongings. Your jewellery, artwork, furniture, entertainment equipment and other valuable belongings will not be protected.
• Your condominium corporation's policy only covers items that are part of the building. You need your own insurance to protect the upgrades you have made inside your unit, such as better carpets and built-in cupboards.
• Finally, you need to protect yourself against personal liability for injuries to visitors to your home or for damage you accidentally cause to a neighbours' property.

For details, see: Condo Insurance.

How does liability insurance protect me?

The liability coverage included in a homeowners, condo or tenant insurance plan protects you financially if you unintentionally cause bodily injury or property damage to others—at your home or anywhere in the world. For example:

• A babysitter slips on a spill on your kitchen floor and injures her back.
• Your toaster oven catches fire, damaging your home/unit and part of your neighbour's home/unit.
• You throw a baseball on the beach while on vacation in Florida and you accidentally knock out a bystander's tooth.

Does my home insurance policy cover all water losses?

Insurance coverage for water damage depends on a number of things, like where you live and how your home was constructed. Insurance for some types of water damage may be included automatically in your policy, and some may need to be purchased as extra.

Examples of causes of water damage that aren’t covered under most standard home insurance plans are flooding and seepage:

• Flooding results in damage from water that flows into your home from natural sources like lakes and rivers, or large amounts of pooled water.
• Seepage refers to the slow movement of water or other fluid through small openings, cracks or pores in your home.

Causes of water damage that are usually covered by most standard home insurance plans (or can be added by endorsement) include:

• Sewer back-up: Water is forced through the sewer system back into your home, or your sump pump fails. (Sewer back-up can be added by endorsement)
• Water Escape: This covers water damage that may be caused when your bath or sink overflows or a pipe or hose inside your house breaks.

Will my home insurance policy include earthquake coverage?

Not automatically. However, you can purchase earthquake coverage for an additional premium. For details, see Endorsements for Your Property .

Will my home insurance cover my personal belongings when I’m travelling?

Most property insurance will protect your belongings when you travel. For example, if your luggage is stolen from a hotel room or your car, you may be covered for the loss.

I have done renovations and improvements. Will my home insurance replace these upgrades?

Remodeling your home may change the valuation placed on your property. If you build a major addition or swimming pool, you will need to update your insurance policy.

What is “overland water”?

Overland water is fresh water that accumulates on land which is usually dry, resulting from torrential rain or snow melt or the overflow of lakes, streams and rivers.

I have the Sewer Back-up Coverage endorsement. Why should I purchase the Overland Water endorsement?

We’ve made the Overland Water endorsement available for purchase in response to the effects of changing weather patterns and the increasing number of severe storm events that often cause property damage.

If you purchase this additional protection, you will have coverage for damage caused by overland water entering your property from torrential rains, rapid snow melt, or overflow of lakes, streams and rivers. This includes coverage for loss or damage from the sudden and accidental entry of overland fresh water through foundations, basement walls or basement doors. This coverage is not included in the Sewer Back-up Coverage endorsement.

The Sewer Back-up Coverage endorsement also provides very important coverage. This includes the sudden and accidental backing up of water or sewage through:

• Drains, waste and sewer pipes that are underground or outside the building
• Septic tanks, septic systems or connected piping located outside the building
• Retention tanks or holding ponds, sump pits, sump pumps and their attached piping or equipment
• Eaves troughs or downspouts

What does the Overland Water endorsement not cover?

This endorsement does not cover:

• Damage from coastal flooding of salt water, including spray or storm surge
• Seepage through basement walls, doors or foundations that is not caused by overland water
• Loss or damage from water resulting from the intentional breaches of structures such as dams, dykes and levees

What coverage makes up the Home Repair Bundle?

The Home Repair Bundle includes three services for $125 per year :

• Claim Prevent to help prevent a further claim occurring from the same cause after a claim has already occurred.

In addition to the home repair service, you have access to unlimited information about covered repair issues in your home. You can call the toll-free number any day, any time and a service representative can answer questions you may have about home issues and repairs. If your home repair issue is not covered under the program, you can choose to be referred to a trusted service provider in your area. You can then arrange and pay for service directly with them.

Can I use the Home Repair Bundle services as soon as I purchase the endorsement?

This depends on the service:

• Claim Prevent can be used immediately after a covered claim.
• The services in HALO Assist can be used immediately after the date your coverage starts.
• For the Home Repair Assure portion of the endorsement, there is a 45-day waiting period from the date your coverages starts.

Can I purchase only one or two of the three services offered in the Home Repair Bundle?

The services cannot be purchased separately.

What is an insurance deductible?

The deductible is the amount you must pay out-of-pocket for each claim before your insurance policy pays.

What are my deductible options for home insurance?

The standard deductible amount is $1,000 for homeowner, condominium owner or tenant insurance policies. You may be eligible to increase or decrease your deductible amount, which may impact your insurance premium. Since the deductible amount is what you pay out-of-pocket for a claim, it is important you choose an amount that you can afford if you ever need to make a claim.

Will my deductible apply to all types of property insurance claims?

In most cases for property loss or damage, a deductible will apply. However, there are certain instances when you will not have to pay a deductible for property losses.

How can I save on my home insurance premiums?

Here are some of the best tips for saving through RBC Insurance ® .

• Lower your premium by choosing a higher deductible
• Combine your insurance through us
• Install a home security system

How can I pay for my home insurance?

You have several choices for paying your home insurance including: a major credit card (Visa, MasterCard or American Express) or preauthorized withdrawals from your bank account. Your Advisor will work with you to set up the payment plan method that works best for you.

You may use a Visa debit or MasterCard debit for your initial payment, but have to select one of the options above for any future payments.

Will my premium increase if I use any of the services offered under the Home Repair Bundle?

Using any of the services provided under the Home Repair Bundle won’t affect your claims history or claims-free discount therefore will not increase your premiums.The Home Repair Bundle is designed to help you proactively reduce and prevent the same claims from occurring and provide further protection with assistance services.

Will my premium increase if I make a claim under the Identity Theft Expense endorsement?

If you make a claim under this endorsement, your premium, claims history and claims-free discount will not be affected therefore will not increase your premiums. You do not have to pay your policy deductible if you have an Identity Theft claim.

Call or visit us today to see what it would cost to add endorsements to your home insurance coverage.

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