Winchester Travel

Travel Insurance

• WHY YOU NEED TRAVEL INSURANCE
  
• WHY CHOOSE RBC INSURANCE
  

Why You Need Travel Insurance

Enjoy peace of mind during your trip

In 2009, 65% of Canadian travellers purchased travel insurance. That's a lot of people who think travel insurance is a smart idea.

No matter where you are travelling, here are some excellent reasons to buy coverage the next time you book a trip:

Your government health insurance plan may not cover all emergency medical expenses

Government health insurance plans may not cover all emergency medical expenses once you leave your home province/territory and typically cover only a limited portion once you leave the country. In fact, the Canadian Government (Consular Services, Foreign Affairs and International Trade Canada) urges all Canadians to purchase supplemental health insurance when leaving the country. They say:

"Do not rely on your provincial health plan to cover costs if you get sick or are injured while abroad. Out-of-country healthcare can be costly, and your health plan will cover only part of the bill at best."

Plus, government health insurance plans don't guarantee coverage for special care (air ambulance or emergency dental services, for instance).

Unlike government insurance health plans, our insurance offers you:

• Unlimited coverage for eligible medical expenses
• Up-front payment of eligible medical expenses whenever possible
• 24-hour, multilingual emergency medical assistance—one toll-free phone call puts you in touch with a multilingual professional who will refer you to a local doctor or facility in order for you to receive the care you need

Government health insurance plans also don't provide coverage for situations such as lost, damaged or delayed baggage or trip cancellation and interruption. Our travel insurance can provide these coverages and more.

Actual cases and costs for medical care in the U.S. (U.S. dollars)

Your credit card coverage may be limited

Some credit cards provide emergency medical insurance when you are travelling outside Canada or your province/territory of residence. However, there may be important distinctions between what travel insurance covers and what your credit card's insurance plan covers. For example, with a credit card, coverage might only apply to trips purchased on the card—or be limited to a fewer number of travel days. Before you take a trip, it's a good idea to review any coverage provided by your credit card(s) to decide whether you need additional insurance.

Your employee benefits plan coverage may be limited

With health insurance under an employee benefits plan, out-of-country medical coverage may not be available, may not cover a spouse or dependents and often has limits on the number of travel days covered and amounts payable.

Before you take a trip, it's a good idea to review any coverage provided by your employer to decide whether you need additional insurance.

You may need coverage for a range of situations

If you're travelling aboard an airplane, train, bus or other public transport, there's the chance that your flight or travels may be delayed (or cancelled altogether). Your luggage may be lost or damaged. Or you may have to cancel your trip or return home unexpectedly early due to a family emergency.

With RBC Insurance^®, you can choose a package or plan that covers you for these types of situations and more.

Consider this as well: 74% of Canadian travellers spent more than $1,000 per person per vacation in 2007. Almost half of those travellers spent more than $1,500 per person per vacation. That's a big discretionary expense, one you no doubt want to protect. For the additional financial security you get, our travel insurance is a true bargain.

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Why Choose RBC Insurance

The RBC^® brand

With travel insurance from RBC Insurance^® you can feel confident that we have the strength, stability and expertise to be there if you need us during an emergency.

We have more than 40 years of experience and serve over 3 million customers annually through an extensive network of travel agencies. We are a part of Royal Bank of Canada (RBC), Canada's largest bank, one of North America's leading diversified financial services companies, and among the largest banks in the world. Within Canada, travel agents awarded us the 2010 Travel Agents' Choice for Favorite Travel Insurance Provider for the ninth consecutive year.

Affordable coverage that's right for you

Finding coverage that meets your needs—and budget—is easy with your choice of several travel insurance plans. All of our plans offer coverage (at various benefit levels) for trip cancellation and interruption, trip delay, baggage and personal effects, emergency medical services and more.

24/7 worldwide emergency travel assistance

With RBC Insurance, you have the security of knowing you will receive the help you need during an emergency—one toll-free phone call does it all. Assured Assistance Inc. (AAI) is the operating entity of RBC Insurance that provides our world-class emergency travel assistance. AAI supports millions of travellers and manages almost 400,000 calls every year.

• Your toll-free call is answered by a live person, 24 hours a day, seven days a week—no matter where you are in the world.
• Registered nurses and consulting physicians are available around the clock to help determine your needs and arrange for your proper care.
• AAI will arrange medical referrals and emergency medical transportation, monitor your care, act as your advocate, administer your insurance coverage and more.
• AAI staff are multilingual—you will always have assistance in your own language, and, if you are in a foreign country and don’t speak the language, AAI will provide an interpreter to communicate with the professionals providing your care.
• AAI has access to a worldwide network of health care providers. If your condition requires specialized treatment not available at a particular facility, AAI will arrange transportation to the closest facility that can provide the treatment.
• If you are traveling with minor children and are hospitalized, AAI will arrange to provide a caregiver for your children. Or, if you are traveling alone and hospitalized, AAI will arrange to have a friend or family member join you.
• AAI also provides assistance with replacing lost or stolen medication, help with lost tickets or luggage, assistance with canceling lost credit cards, legal referrals, consulate and embassy contacts, and more.
• Since AAI is part of RBC Insurance, they can quickly settle your claim—typically, claim payments are issued within 48 hours of receiving all required documentation.

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