Frequently asked questions

Question: Will the policy cover me for all my medical expenses until I return home?

Answer: The policy is designed to cover you for all emergency care while travelling. For example, if you fall and break your leg at your destination point, the initial emergency treatment will be covered. However, ongoing routine management care will not be covered.

Question: My new fitness regime is really paying off - I had my yearly physical and my doctor decreased my heart medication. I am booking a business trip soon. Should I have concerns about coverage?

Answer: Yes. the insurance coverage excludes pre-existing medical conditions that aren't stable. A change in medication, either increase or decrease in the dosage, discontinuation or how often you take the medication or the type of medication means the medical condition is not stable.

Question: I've had a recurring pain for weeks. my doctor said it's probably not serious but she like to run some tests. I have to book my flight now. Will the insurance cover me if I need to cancel?

Answer: No. The insurance excludes medical conditions and/or symptoms which are under investigation whether or not a diagnosis has been determined. please refer to your policy for more information, and in particular, the policy definition of stable.

Question: Do you offer special family prices for your coverage?

Answer: Yes. You can purchase emergency medical family coverage. This means your children are insured when they travel with you or join you during your trip. Ask your agent to review the family coverage qualifications with you. You can also view the full policy on our web site.

Question: We booked our cruise for next year and are entitled to a full refund in the event we have to cancel. The cancellation penalties come into effect about two months prior to our departure. What's the point in buying insurance now?

Answer: We strongly recommend that you purchase your insurance when you make your initial deposit because it protects you from the moment the policy is issued. If you wait and purchase your policy at the time the penalties come into play, you run the risk that a medical condition might not be considered stable if you were having symptoms or investigations within the 90 days prior to purchasing the policy.

Question: What happens if I am unable to obtain the appropriate report to substantiate my baggage claim?

Answer: As an insure d you are required to make every effort to obtain proper substantiation as outlined in the policy. If the required supporting documentation is not provided it may result in a non-payment of the claim. We will review all relevant circumstances, especially those outside your immediate control and evaluate each case on its merits.

Please visit www.rbcinsurance.com/travel to download full policy information and relevant travel claims forms.

Travel Insurance word term definitions

Medical questionnaire - the form that contains questions that must be answered correctly at the time of insurance application, and that, once completed and signed, forms part of the insurance contract. Your medical condition at the time of completion of the medical questionnaire determines the terms of coverage and/or the premium that apply to you. You must complete the medical questionnaire if your trip exceeds 183 days.

Emergency - any sudden and unforeseen event that begins during the period of insurance and makes it necessary to receive immediate treatment from a licensed physician or to be hospitalized. An emergency ends when the medical advisors of Assured Assistance Inc. or Manulife Insurance Company of Canada determine that you are medically able to return to your home country.

Emergency treatment - medical treatment or surgery for an emergency, that is required for the immediate relief of an acute symptom, or upon the advice of a licensed physician cannot be delayed until you return to your home country, and has to be received during your trip because your medical condition prevents you from returning to your home country. The treatment or surgery must be:
a) ordered by or received from a licensed physician during your trip; or
b) received in a hospital during your trip; or
c) received from a licensed physiotherapist, chiropractor, chiropodist, podiatrist or osteopath, as a result of an emergency that occurs during your trip.

Immediate family - spouse, parent, legal guardian, legal ward, step-parent, grandparent, grandchild, in-law, natural or adopted child, step-child, brother, sister, step-brother, step-sister, aunt, uncle, niece, nephew.

Infant - a person who was born before your effective date, is under 2 years of age, is your immediate family member and travels with you during your trip.

Insurance application - the printed form, computer printout, invoice or document provided by your Travel Agent or through your online application, which confirms the insurance coverage you have purchased. The insurance application forms part of the insurance contract.

Medical condition - accidental bodily injury or sickness (or a condition related to that accidental bodily injury or sickness), including disease, acute psychoses and complications of pregnancy occurring within the first 31 weeks of pregnancy.

Stable - any medical condition or related condition (including any heart condition or any lung condition) for which there have been:
• no new treatment, new medical management, or new prescribed medication; and
• no change in treatment, change in medical management, or change in medication; and
• no new symptom or finding, more frequent symptom or finding, or more severe symptom or finding experienced; and
• no new test results or test results showing a deterioration; and
• no investigations or future investigations initiated, or recommended for your symptoms; and
• no hospitalization or referral to a specialist (made or recommended).

Top-up - the coverage you purchase from us:
a) to add to your insurance beyond the duration covered under your Multi-Trip annual coverage; or
b) before your date of departure from your departure point, to complement travel insurance coverage that is in effect through another insurer for a portion of your trip duration or value.

Travelling companion - the person who is sharing travel arrangements with you, to a maximum of three persons.

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