Insurance · Travel insurance review
RBC Insurance review
The only major plan with an unlimited emergency-medical maximum — as long as you keep valid government health coverage for the entire trip.
Best for: Snowbirds who want no dollar ceiling and may take several shorter trips a year.
Pros
- Unlimited emergency-medical maximum with valid government coverage
- TravelCare Gold lets 65–74-year-olds skip the questionnaire on trips of 15 days or less
- Annual multi-trip per-trip options of 9, 16, 30 and 60 days
- COVID-19 covered as emergency medical to Level 3 destinations
- Backed by Assured Assistance, an RBC company, 24/7
Cons
- Without valid government coverage for the whole trip, the cap collapses to $20,000
- A medical questionnaire is required at 65+ (outside the Gold short-trip path)
- Stability window is 90, 180 or 365 days depending on the plan tier — read which applies
- Selectable deductible amounts aren’t published; no coverage to Level 4 destinations
What "unlimited" really means
RBC’s headline is an unlimited emergency-medical maximum — unique among the major plans. The condition that makes it work is keeping valid provincial/territorial health coverage in force for the entire trip; without it, the maximum drops to just $20,000. For snowbirds that’s usually fine, but it doubles the reason to respect your province’s out-of-country absence limit.
The Gold shortcut for 65–74
A medical questionnaire is required at 65 and over, but the TravelCare Gold path lets 65–74-year-olds travelling 15 days or less buy without it — handy for short getaways. Stability windows run 90, 180 or 365 days depending on the plan tier, so confirm which tier your quote lands in.
Frequently asked questions
What does RBC Insurance travel insurance cover, and how much?
Emergency medical coverage: Unlimited (with valid government health coverage for the full trip); $20,000 cap without it. Deductible: Per-claim deductible shown on the policy declaration page (selectable amounts not published). COVID-19: Emergency medical covers COVID-19 for departures on/after Jan 1, 2021 if the destination is at a Government of Canada Level 3 advisory or lower (not Level 4). Verified on June 13, 2026 — compare all providers on our snowbird travel insurance comparison.
Can I get RBC Insurance with a pre-existing condition?
RBC Insurance uses a stability window of 90, 180 or 365 days depending on the plan tier; medical questionnaire: Required at 65+; TravelCare Gold lets 65–74 skip it for trips ≤15 days. The stability clause is the most common reason snowbird claims are denied — see our snowbird guide and confirm your conditions are covered in writing.
Who handles RBC Insurance's emergency assistance?
Issue age: Annual multi-trip by age band — to 74 (4-Day Getaway), to 64 (Classic Medical). Trip length: Base trips to 183 days; annual multi-trip per-trip options 9/16/30/60 days; TravelCare Gold allows single trips over 183 up to 365 days. 24/7 assistance: Assured Assistance Inc. (an RBC company) — 24/7.
The bottom line
If a hard dollar ceiling makes you nervous, RBC’s unlimited maximum is reassuring — just keep your government coverage active for the whole trip, and check which stability tier applies to your plan before you buy.
- Selectable deductible amounts not disclosed on primary marketing pages.
- The 90/180/365-day stability tiering is confirmed; mapping each tier to a specific named plan needs the matching policy booklet.
Compare RBC Insurance against the field
See all the major providers side by side, with sources.
This review is for educational purposes only and is not insurance advice. The facts shown were taken from RBC Insurance's own materials and the rating agencies and verified on June 13, 2026; they vary by product and change without notice. Our editorial rating is never paid for. Premiums are individually quoted. Read the actual policy wording and speak with a licensed advisor before buying. See our methodology.