RBC Insurance® travel insurance products have been designed to provide a wide range of coverage for a variety of situations but “fear of travelling” is not covered under our travel insurance policies.

RBC Insurance trip cancellation insurance provides coverage for a wide variety of situations. Cancelling a trip as a result of contracting H1N1 or a flu-like illness would be considered an emergency medical condition and the policy holder would be eligible for the reimbursement of the non-refundable portion of their prepaid travel arrangements, subject to the terms and conditions of the policy. Quarantine resulting from H1N1 or a flu-like illness would also be covered. Confirmation of illness or quarantine from a physician is required.

RBC Insurance policy holders wishing to change their travel plans because they contracted H1N1 or a flu-like illness will be able to update their travel insurance for equivalent coverage, at no extra cost, to reflect their new travel dates provided that the length and cost of the trip remains the same.

RBC Insurance policy holders who contract H1N1 or a flu-like illness while travelling are eligible for medical coverage under our medical insurance policy, subject to the terms and conditions of the policy. If they are unable to travel home and have purchased the appropriate travel insurance coverage, trip interruption benefits can provide coverage for the costs of accommodations, meals and transportation.

RBC Insurance travel insurance can be sold at any time prior to the departure date

RBC Insurance travel insurance products have been designed to provide a wide range of coverage for a variety of situations but “fear of travelling” is not covered under our travel insurance policies.

RBC Insurance policy holders who are denied boarding as a result of exhibiting flu-like symptoms are eligible for benefits, subject to the terms and conditions of the policy, as long as they receive confirmation from a physician that they contracted H1N1 or a flu-like illness.

RBC Insurance policy holders who reach their destination and are denied entry as a result of exhibiting flu-like symptoms are eligible for benefits, subject to the terms and conditions of the policy they purchased, as long as they receive confirmation from a physician that they contracted H1N1 or a flu-like illness.

RBC Insurance trip cancellation insurance provides coverage for a wide variety of situations. Cancelling a trip as a result of side effects to a vaccination would be considered an emergency medical condition and the policy holder would be eligible for the reimbursement of the non-refundable portion of their prepaid travel arrangements, subject to the terms and conditions of the policy. Confirmation of illness from a physician is required.

RBC Insurance policy holders who exhibit side-effects while travelling are eligible for medical coverage under our medical insurance policy, subject to the terms and conditions of the policy. If they are unable to travel home and have purchased the appropriate travel insurance coverage, trip interruption benefits can provide coverage for the costs of accommodations, meals and transportation.

RBC Insurance policy holders who have received the H1N1 vaccination or any preventative vaccination in the pre-existing condition exclusion period will still be considered stable provided that all other terms and conditions in the policy are met and as long as any other pre-existing medical conditions are stable.

RBC Insurance travel insurance products provide coverage for a wide variety of situations, including cancellation of a trip as a result of a travel warning. As long as a written formal travel warning is issued by the Department of Foreign Affairs and International Trade of the Canadian government advising Canadians not to travel to a country, region or city, policy holders wanting to cancel their trip as a result of the travel warning are eligible for cancellation coverage under the appropriate RBC Insurance travel insurance policy.