If we are unable to extend your particular coverage due to the trip duration limits of your certificate, you may be able to enroll in a new certificate from us. Out-of-country health care can be costly, and your health plan may not cover any medical expenses abroad. AAI has access to a worldwide network of health care providers.

Another is that government health insurance plans do have limits on reimbursement of emergency medical expenses incurred while you are in another province.

If you have additional expenses as a result of one of the insured risks, you’ll need to provide original receipts for all additional costs such as hotel accommodations, meals, essential telephone calls, or taxi fares. In fact, the Canadian Government (Foreign Affairs, Trade and Development Canada) urges Canadians to purchase supplemental health insurance when leaving the country.

We offer affordable packages, travel medical plans, trip cancellation coverage and more. Here are the conditions: If you do NOT top-up your coverage for a trip, you will not be covered for any claims you make outside the period of insurance for that trip. endstream endobj 358 0 obj <.

Items covered by Extended Warranty Insurance must have been purchased using your RBC Visa Infinite Avion card and/or RBC Rewards points. Get the answers you need here. 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. Will a pre-existing medical condition affect my travel insurance coverage? An Avion Business card that lets you earn 1 RBC Rewards point for every $1 spent in net purchases with your card . Apply Now. As an RBC client, you now have more choice when it comes to the travel insurance you can purchase through RBC. If your rental vehicle is damaged or stolen while rented out in your name, you are covered up to the vehicle’s actual cash value plus valid loss of use charges. Do you have an RBC Royal Bank® credit card? You must pay the required additional premium before your original policy’s expiry date. The documentation you need to provide will depend on the type of claim, the type of plan you purchased and the province/territory in which you live. If the medical condition is for yourself or your spouse, you will also need to provide your family physician’s clinical notes from the 90 days prior to your insurance application date up to the present date. Delay of your common carrier causing you to miss a connection or resulting in the interruption of your trip, resulting from: A natural disaster that renders your principal residence uninhabitable, You being called for jury duty; being subpoenaed as a witness; or being required to appear as a party in a judicial prodceeding, during your trip, You or your travelling companion being summoned to service in the case of reservists, active military, police, essential medical personnel and fire personnel, The legal adoption of a child by you or your travelling companion, when the actual date of that adoption is scheduled to take place, Your lung, heart, or other medical condition, if at any time in the 90 days before coverage is in effect, your condition has not been stable, Cancellation when you are aware, on the effective date, of any reason that might reasonably prevent you from travelling as booked, A trip undertaken to visit or attend an ailing person, when the medical condition or death of that person is the cause of the claim, The inability to obtain desired rental accommodation, financial difficulties or unwillingness to travel, Your failure to appear at the airport, except in circumstances described as covered reasons, Any travel rewards provided by any frequent flyer program, excluding the RBC Rewards program, Any medical condition if you undertake your trip with the prior knowledge that you will require or seek treatment of any kind, regardless of whether the treatment is related in any way to the medical condition, Routine pre-natal care, any child born during your trip, pregnancy, childbirth or complications of either, occurring in the 9 weeks before or after the expected delivery date, Your participation as a professional in sports, participation as a professional in underwater activities, scuba diving as an amateur, participation in a motorized race or motorized speed contest, bungee jumping, parachuting, rock climbing, mountain climbing, hang-gliding or skydiving, Your committing or attempting to commit a criminal offence, Your intentional self-inflicted injury, your suicide or your attempt to commit suicide (whether sane or insane), Any medical condition arising from, or in any way related to, your chronic use or abuse of alcohol or drugs whether prior to or during your trip, Any medical condition arising from, or in any way related to, the voluntary use, during your trip, of illegal drugs or prescription drugs not prescribed to you, Your abuse of medication or deliberate non-compliance with prescribed medical therapy or treatment whether prior to or during your trip, Act of foreign enemies or rebellion, voluntarily and knowingly exposing yourself to risk from an act of war (declared or not) orvoluntarily participating in a riot or civil disorder, Ionizing radiation or radioactive contamination from any nuclear fuel or waste which results from the burning of nuclear fuels; or, the radioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it, The medical certificate fully completed by the legally qualified physician in active personal attendance and in the locality where the medical condition occurred stating the reason why travel was not recommended, A copy of your RBC Visa statement or itemized receipt showing that your payment for your trip was paid in full with your RBC Visa Infinite Avion and/or RBC Rewards points, Written evidence of the covered reason which was the cause of the cancellation, Complete original unused transportation tickets and vouchers, Receipts for the prepaid land arrangements, Original passenger receipts for new tickets, Reports from police, common carrier or local authorities documenting the cause of the missed connection, Detailed invoices and/or receipts from the service provider(s), Interruption when you are aware, on the effective date, of any reason that might reasonably prevent you from travelling as booked, Any emergency purchases made afteryour luggage was returned to you, Any losses incurred at the final destination of the return portion ofyour trip, Your failure to check your luggage within the minimum guidelines published by the air carrier, The insufficient allotment of time for connecting flights according to air carrier recommendations, Your being denied boarding by immigration officials or other authorities, Your RBC Visa statement and/or itemized receipt showing that the airline ticket was paid in full using your RBC Visa Infinite Avion card and/or RBC Rewards points, The air carrier’s report substantiating the reason for the flight delay, missed connection, or denied boarding, Receipts for hotel accommodation, restaurant meals, refreshments, emergency purchases and other sundry items, When you are hospitalized due to a medical emergency beyond the 15-day/3-day limit, your coverage will remain in force during your hospitalization and up to, Coverage is automatically extended for up to, Coverage is automatically extended for up to 72 hours when the delay of a plane, bus, ship or train in which you are a passenger causes your trip to extend beyond the 15-day/3-day limit, Hospital and medical expenses (includes the cost of a registered private nurse up to $10,000, if recommended by a physician), Emergency dental expenses (up to $2,000 if received within 90 days of the injury, and up to $200 for the emergency relief of dental pain during your trip), Other emergency services (covers the cost for professional services when ordered by a physicican, up to $250 per person per profession), Emergency air transportation or evacuation, Additional hotel and meal expenses (up to $150 per day, to a maximum of $1,500), Bringing relative to bedside (covers the cost of a round-trip economy class transportation to have a relative visit you when you are hospitalized during your trip, up to $300 for meal and hotel accommodation expenses), Return of your excess baggage (up to $500), Your pre-existing lung, heart, or other medical condition, if before you depart on your trip, your condition has not been stable (90 days if you're under 75, 180 days if you're 75 or over), Any medical condition for which you are awaiting the outcome of medical tests, or for which future investigation or treatment (except routine monitoring) is planned before your trip, The (continued) treatment, investigation, recurrence or complication of any lung, heart, or other medical condition following emergency treatment for that condition during your trip, if the medical advisors determine that you were medically able to return to your province of residence and you chose not to return, Any treatment that is not emergency treatment, Any medical condition for which it was reasonable, prior to departure, to expect treatment or hospitalization during your trip, Symptoms which would have caused an ordinarily prudent person to seek treatment or medication in the 90 days before your trip, Your medical emergency or condition, if the reason for it is associated in any way with a written formal travel warning issued (before your coverage takes effect) by Canada's Dept.