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Frequently Asked Questions


Who is eligible for coverage?

Will my age affect my coverage eligibility?

Will a pre-existing medical condition affect my coverage?

What do I need to know about completing the health questions?

Is it okay for a relative to complete the health questions on my behalf?

My child is travelling with me. Do I need to buy separate coverage for him or her?

My parents are travelling. Can I buy insurance on their behalf?

Which travel insurance package or plan is right for me?



Doesn't my credit card cover me when I travel?

Doesn't my government health plan cover me when I'm travelling in the U.S. or Canada?

Why do I need travel medical insurance when I travel abroad?

When should I purchase my travel insurance?

Am I covered if I participate in any sports during my trip?

Can I extend my emergency medical coverage if I extend my trip?

I bought a multi-trip annual plan, but one trip I'm planning will extend past the ending date of my coverage. How can I ensure I'm covered for the added days I'm travelling?

Can I purchase emergency medical coverage for a single trip that is longer than 183 days?

Does RBC Insurance offer family prices?

Why is trip cancellation and interruption insurance important?

Do I really need to read my travel insurance policy?



1) 2008. Consular Services, Foreign Affairs and International Trade Canada. June 11, 2008.

2) RBC Insurance, 2015.

3) Roy, Camille. "Travelweek 2007 Ultimate Travel Survey." 2007. Travelweek. Concepts Travel Media Ltd.