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Why Buy Travel Insurance?
Reality sometimes has a way of working itself into even the best-planned journeys. That's why travel insurance protection is essential when you book a vacation or a business trip. The right coverage will protect your family, yourself and your financial security. It will also ensure that caring professional help is ready when you need it in an emergency.
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Why is Emergency Medical Coverage Essential?
When you require medical attention outside of your province or territory of residence, your government health insurance plan pays only a fraction of the benefits that are otherwise available to you. So simply put, emergency medical travel insurance is essential to protect yourself, your family and your personal finances.
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| Here is the reality of medical-related costs other travellers have had to face: |
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Insurance Cost |
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Total Claim |
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Paid By Government
Health Insurance Plan |
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How Much Did We Pay? |
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| 44 year old fell accidentally from a ledge. Suffered multiple severe injuries.
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$27 |
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$457,370 |
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$29,149 |
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$428,221 |
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| 45 year old, caught pneumonia and suffered kidney failure.
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| $40 |
| $126,112 |
| $4,611 |
| $121,501 |
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| 28 year old had a motor vehicle accident. Suffered a fractured spine and ribs.
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$83 |
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$67,504 |
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$4,400 |
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$63,104 |
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| And, here is the reality of air ambulance transfer costs:
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From: |
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To: |
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Average Cost: |
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| Miami, Florida |
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Montreal, Quebec |
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$16,500 |
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| Phoenix, Arizona |
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Edmonton, Alberta |
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$13,600 |
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| San Francisco, California |
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Vancouver, BC |
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$12,100 |
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| Las Vegas, Nevada |
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Toronto, Ontario |
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$22,400 |
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| Acapulco, Mexico |
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Halifax, Nova Scotia |
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$39,700 |
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Why is Cancellation & Interruption Insurance Essential?
Because the unexpected can happen. From a jury duty call to the death of a friend, this coverage protects you against over 40 specified risks that could stop you from travelling as planned. The right coverage will ensure that you get back the covered travel costs that would otherwise not be refundable to you. And, if you have to return home early or stay longer because of a covered emergency, your extra expenses will also be covered as per your policy.
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Some Key-Questions to ask Yourself:
If you think you're ready for your trip and are not sure or are still not convinced you need travel insurance, ask yourself these critical questions:
- Could you lose any money if you had to cancel your trip?
- How much would you lose?
- Could you get your money back if you had to interrupt your trip?
- How much would you have to pay for a last - minute one-way economy airfare home?
- If you had to stay at your destination longer than you're supposed to, would your extra hotel and meal expenses be reimbursed?
- How much would you have to pay?
- Could you manage at your destination without some of the content of your luggage for more than half a day if it was delayed?
- How much would you have to pay for toiletries and other necessities?
- If you became ill or injured, would your emergency medical expenses be covered?
- How much would a family member or friend have to pay to come to your bedside if you were hospitalized for several days?
- In an emergency, would you have to pay up front for your covered medical expenses?
If you don't know the answers to those questions, please don't guess; insure your trip today!
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Underwritten by RBC Travel Insurance Company
®Registered trademarks of Royal Bank of Canada,
RBC Insurance is a registered trademark of Royal Bank of Canada
Used under license.
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