Paul Sanchez
RBC offers a Visa Infinite Avion card that provides travel insurance to its cardholders. This insurance covers eligible emergency medical expenses and trip cancellation insurance. The emergency medical insurance provides coverage for medical expenses related to COVID-19 and its variants, provided there are no COVID-related travel advisories issued by the Canadian government for the destination on the date of departure. The trip cancellation insurance protects cardholders against the cost of non-refundable prepaid travel arrangements if the trip is cancelled before departure due to a covered reason. To be eligible for insurance benefits, the trip must be paid in full with the card, and prepaid travel arrangements must be purchased using the RBC credit card and/or Avion points.
| Characteristics | Values |
|---|---|
| Emergency Medical Insurance | Covers reasonable and customary expenses for emergency treatment required during your trip as a result of a medical emergency. |
| Trip Cancellation Insurance | Protects eligible cardholders against the cost of non-refundable prepaid travel arrangements if the trip is cancelled before departure due to a covered reason. |
| Coverage | Coverage is included for the number of days specified in your Certificate of Insurance and is in effect as soon as you leave your province or territory. |
| Eligibility | To be eligible for coverage, the trip must be paid in full with your credit card and/or with Avion Rewards points. |
| Exclusions | Excludes high-risk activities such as professional sports, motorized racing, and scuba diving without certification. |
| Customer Support | Available 24/7 by calling 1-800-533-2778 (toll-free from Canada and the U.S.) or 905-816-2581 (collect from other countries). |
| Claims | Contact Allianz Global Assistance at 1-800-533-2778 (toll-free) or 905-816-2581 (collect), and ensure that claims are reported promptly with required documents submitted within 30 days. |
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What You'll Learn
- The Visa Infinite Avion RBC card provides emergency medical insurance
- Coverage is for eligible emergency medical expenses
- RBC offers 24/7 assistance for medical emergencies
- Trip cancellation insurance is also included
- The cardholder must pay for the trip in full with the card to qualify for insurance benefits
The Visa Infinite Avion RBC card provides emergency medical insurance
To be eligible for the emergency medical insurance provided by the Visa Infinite Avion RBC card, there are a few requirements that must be met. Firstly, the trip must be paid in full with the card, and if partial payments are made using Avion points, the remaining balance must be charged to the card. Additionally, the coverage is only valid for a specified number of days, as outlined in the Certificate of Insurance. It is important to note that the insurance does not cover high-risk activities such as professional sports, motorized racing, and scuba diving without certification.
The emergency medical insurance provided by the Visa Infinite Avion RBC card offers peace of mind when travelling. In the event of a medical emergency during your trip, you can rest assured that eligible medical expenses will be covered. This includes coverage for medical expenses related to COVID-19 and its variants, provided there are no COVID-related travel advisories issued by the Canadian government for your destination at the time of your departure.
It is important to note that the Visa Infinite Avion RBC card's emergency medical insurance is underwritten by RBC Insurance Company of Canada, and they have appointed AZGA Service Canada Inc. (operating as "Allianz Global Assistance") as the provider of all travel insurance assistance and claims services. In the event of a medical emergency, you can contact Allianz Global Assistance for help, and they can provide assistance 24 hours a day, 7 days a week.
Overall, the Visa Infinite Avion RBC card provides valuable emergency medical insurance coverage for cardholders, offering protection and assistance during unexpected medical situations while travelling. By understanding the coverage details, limitations, and exclusions, cardholders can confidently utilize the benefits of this insurance and ensure they have the necessary protection during their trips.
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Coverage is for eligible emergency medical expenses
The RBC Visa Infinite Avion card offers coverage for eligible emergency medical expenses. This insurance covers reasonable and customary expenses for emergency treatment that is medically required during your trip. This is only applicable if the treatment is a result of a medical emergency. The coverage is provided for expenses in excess of any medical expenses payable by your government health insurance plan or any other insurance plan. The maximum benefit for emergency medical insurance is unlimited unless otherwise noted in the Certificate of Insurance.
The RBC Visa Infinite Avion card covers eligible cardholders for the cost of non-refundable prepaid travel arrangements if the trip is cancelled before departure due to a covered reason. This includes trip cancellation insurance of $1,500 per covered person per trip ($5,000 maximum). To qualify for this coverage, the trip must be paid in full with the card, and prepaid travel arrangements must be purchased using your RBC credit card and/or Avion points.
The RBC Visa Infinite Avion card also provides Out of Province/Country Emergency Medical Insurance. This insurance provides coverage for medical expenses related to COVID-19 and its variants, as long as there are no COVID-related travel advisories issued by the Canadian government for your destination on the date of your departure. To be eligible for this coverage, your trip must be paid in full with your credit card and/or Avion Rewards points.
It is important to note that all insurance provided by the RBC Visa Infinite Avion card is subject to limitations and exclusions. These limitations and exclusions are outlined in the credit card Certificate of Insurance, which cardholders can download for complete coverage details. Additionally, the coverage is only applicable for a specified number of days, as indicated in the cardholder's Certificate of Insurance.
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RBC offers 24/7 assistance for medical emergencies
The scope of RBC's medical emergency assistance varies depending on the specific insurance plan or credit card benefits. However, it typically includes coverage for unexpected illnesses, injuries, or accidents that occur during a trip. This coverage is designed to help travellers access the necessary medical care and services they require while away from home.
In the event of a medical emergency, RBC cardholders can contact Allianz Global Assistance's 24/7 hotline to receive prompt assistance. This service provides support in navigating the local healthcare system, locating appropriate medical facilities, and coordinating emergency medical services. RBC's assistance team can also help with language interpretation, facilitating communication between cardholders and medical professionals.
Additionally, RBC's medical emergency assistance may include coverage for expenses related to emergency medical treatment. This typically includes reasonable and customary expenses that exceed any government health insurance plan or other insurance coverage. It is important to note that all insurance is subject to limitations and exclusions, as outlined in the credit card's Certificate of Insurance.
RBC's 24/7 medical emergency assistance offers a valuable layer of protection for travellers, ensuring they can access the necessary support and care when facing unexpected health challenges during their trip. This assistance provides travellers with the confidence to explore and enjoy their journey, knowing that help is always within reach.
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Trip cancellation insurance is also included
RBC Avion Visa Infinite, RBC Avion Visa Platinum, and RBC Avion Visa Business credit cards offer trip cancellation insurance. This insurance covers eligible cardholders against the cost of non-refundable prepaid travel arrangements if the trip is cancelled before departure due to a covered reason. The coverage is $1,000 per person per trip for RBC Avion Visa Infinite cardholders, $1,500 per person per trip for RBC Avion Visa Platinum cardholders, and $2,500 per person per trip for RBC Avion Visa Business cardholders, with a $5,000 maximum limit for all three cards.
To be eligible for trip cancellation insurance, the trip must be paid in full with the RBC credit card and/or with Avion Rewards points. Partial payments using Avion points require the remaining balance to be charged to the card. The coverage is only effective if the prepaid travel arrangements are purchased with the RBC credit card and/or Avion points.
The RBC Avion Visa Infinite card also offers Out-of-Province/Country Emergency Medical Insurance, which provides coverage for medical expenses related to COVID-19 and its variants. This coverage is included for the number of days specified in the Certificate of Insurance and is effective as soon as the cardholder leaves their province or territory. The maximum benefit for emergency medical insurance is unlimited unless otherwise noted in the Certificate of Insurance.
RBC Insurance also offers 24/7 assistance and direct billing of eligible medical expenses covered under the insurance policy. Cardholders can contact Allianz Global Assistance for support and to report a claim.
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The cardholder must pay for the trip in full with the card to qualify for insurance benefits
To qualify for insurance benefits, the cardholder must pay for the trip in full with their RBC Visa Infinite Avion card. This includes any prepaid travel, accommodation, and recreation arrangements. This is a requirement for trip cancellation/interruption coverage. RBC offers various Visa Infinite Avion cards, including the Visa Infinite Avion Business and the Visa Infinite Avion RBC card.
It is important to note that the cardholder can also use Avion points to pay for their trip in full. However, if only partial payments are made using Avion points, the remaining balance must be charged to the card to qualify for insurance benefits.
The RBC Visa Infinite Avion card provides emergency medical insurance with unlimited maximum benefits. This covers reasonable and customary expenses for emergency treatment required during the trip due to a medical emergency. This coverage is subject to the terms, conditions, limitations, and exclusions outlined in the card's Certificate of Insurance.
Additionally, the card offers trip cancellation insurance, which protects cardholders against the cost of non-refundable prepaid travel arrangements if the trip is cancelled before departure due to a covered reason. The coverage amount is $1,500 per covered person per trip, with a $5,000 maximum.
It is recommended that cardholders carefully review their specific card's Certificate of Insurance to understand the complete coverage details, limitations, and exclusions. The insurance coverage may vary depending on the type of RBC Visa Infinite Avion card held by the cardholder.
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Frequently asked questions
The RBC Visa Infinite Avion card provides emergency medical insurance coverage for eligible emergency medical expenses. This includes coverage for medical expenses related to COVID-19 and its variants, provided there are no COVID-related travel advisories issued by the Canadian government for your destination when you depart.
To be eligible for RBC Visa Infinite Avion medical insurance coverage, you must be a permanent resident of Canada and have purchased your trip with your RBC credit card and/or Avion points. Additionally, the trip must be outside your home province or territory.
Yes, all insurance provided by RBC is subject to limitations and exclusions. For example, coverage excludes high-risk activities such as professional sports, motorized racing, and scuba diving without certification. Additionally, pre-existing conditions must be stable for a certain period before the effective date of coverage, with longer stability periods required for individuals aged 60 and older.
To get assistance or make a claim, you can contact Allianz Global Assistance, the provider of all travel insurance assistance and claims services for RBC Insurance Company of Canada. They can be reached toll-free at 1-800-533-2778 from Canada and the U.S., or at 905-816-2581 from other countries. Assistance is available 24 hours a day, 7 days a week.
Yes, you can purchase top-up insurance for additional days of coverage if your trip exceeds the time period covered under your RBC credit card's Out of Province/Country Emergency Medical Insurance. This can be done before your trip or during it by calling RBC or Allianz Global Assistance.
