Have you ever read the details of your RBC Out of Province Emergency Medical Travel Insurance provided by your credit card?

I have summarized a few important details as you evaluate whether you need additional emergency medical insurance during your travels.

The following credit cards have the Out of Province Emergency Medical Travel Insurance coverage with RBC:

Other insurance benefits information for being a RBC credit card holder is available here:


For other credit card issuers, information about their travel insurance policy is available here:


The information listed below is my interpretation of the insurance policy.

Coverage Eligibility

The basic coverage provided for all the listed cards are:

  1. Coverage is provided to the cardholder, cardholder’s spouse, and cardholder’s dependent children.
  2. There is no limit to the coverage amount.
  3. The dependent children must be traveling with the cardholder or the cardholder’s spouse

Exclusions of Basic Coverage

Important Exclusions:

  • Pre-existing medical conditions need to be stable at least 90 days prior to your trip departure date, for those under 75, or 180 days, for those 75 or older.
  • Scuba diving (unless you have a designation), motorized race, motorized speed contest, bungee jumping, parachuting, rock climbing, mountain climbing, hang-gliding or skydiving.

Coverage Benefits

Accommodation in a Hospital or Medical Facility-
Doctor's Bills-
Private Registered Nurse$10,000
Ground Ambulance Service-
Air Ambulance Service-
Paramedical Services$250 per profession
Diagnostic Services-
Medical Appliances-
Emergency Dental Treatment$2,000
Emergency Dental Pain Relief$200
Emergency Return Home-
Care and Return of Dependent Children-
Transportation to Bedside$300 for meal and hotel accommodation for the relative to visit the hospital
Return of Deceased-
Meals and Accommodation$150 per day
$1,500 maximum
Vehicle Return-
Incidental ExpensesNot covered
Return of Excess Baggage$500

Differences between cards

The major difference between the credit cards is what is the age group that is covered by the insurance and how long they are covered for.

Credit Card64 Years or Younger65 Years or Older
RBC Avion Visa Infinite Privilege317
RBC British Airways Visa Infinite317
RBC Avion Visa Infinite153
WestJet RBC World Elite MasterCard153


One unique situation about RBC credit cards is that there is no coverage limitation.