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Reviews 1.5.

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The app to pay a cheque in is hopeless

I have a cheque to pay in for a very small amount (£2.33). I tried the function on the app many times (not enough light (there is), cheque wrong size (it isn't), retake the front (many, many times), can't process it just now), so I asked at the post office (I need a paying-in slip). I tried my local Natwest, but it's recently closed down. I tried the app again, having completely deleted and reinstalled it (as before), so now I've ordered a paying-in book, to use at the post office. It's farcical.

Date of experience : 14 April 2024

Watch out! They charges you for things you didn’t do...

Back account making transactions I’ve already cancelled days before and charges me for unplanned overdraft. Customer support can’t help and can’t even see such record on their end. They ended the online chat without further replies.

Date of experience : 09 April 2024

Dreadful customer service

Dreadful customer service. Agents talk over you, don’t listen and then refuse to allow you to speak to someone else. Used to be a good bank but now not interested in treating customers with respect.

Date of experience : 12 April 2024

Impossible to communicate with in a meaningful way.

What a nightmare. I wasted many hours today not being able to login as I usually do. All they had to do was admit that the site was not working by posting an apology. At least then people could leave it for another time or day. But instead, we wasted time checking our internet settings, our browsers etc, etc. Their AI Cora system is not fit for purpose, I can imagine customers leaving in their droves through frustration

Date of experience : 04 April 2024

A terrible customer service unable to…

A terrible customer service unable to contact fraud department who have blocked my account Have used this bank for over 40 years since the Williams and Glyyn days. I now intend writing to close the account. Unfortunately unable to locate a address and my local bank shut down.

Date of experience : 02 April 2024

should be ROYAL BANK of SHeat

it is useless bank avoid at all cost, I have been trying to change my address over three weeks, these no customer service you are only dealing with useless CORA chatbot it is nightmare, until today I am still trying, nothing good comes from scotts would be happy to share some of the screenshots of the chat. and BTW if you google some of the names of 5 stars reviews or linkedin they work for RBS, what scam, because of bad reviews, they dont have the decency to fixed the problem but use fake reviews I used the app could not get done then I was asked to use digital banking I was not being able to change the address I was referred to use the online chat wait for colleague to join, the chat was closed after 10 mins of being inactive, if YOU SCUMBAG answer to this JUST close my account that is all I have already taken out all of my money

Date of experience : 11 April 2024

March 26th 2024

March 26th 2024, 9.15. a member from their staff answering our call (he is indian but of course we cannot identify his identity), treated really bad only because we were asking and complaining about the closure of an account we already asked the previous week and it wasnt done. He decided to put the phone down after we waited 40 mins online only to speak to someone! the call are recorded they say and we did record as well. Official complaint is going to be done too but just wanted to report how unpolite and rude they are.

Date of experience : 26 March 2024

I realised I had two Car insurances and…

I realised I had two Car insurances and phoned RBS to cancel theirs as the quote was more expensive. I spoke to a lady called Angela - did not expect to get anything back as I figured it was my mistake, however without hesitation she immediately started talking about refund timescales and got me the whole years premium back. Very grateful to this lady for doing this for me - I would definitely use them again in the future.

Date of experience : 07 March 2024

Excellent service from all the staff!

We have visited the RBS Musselburgh branch over the last few months and we have to praise the customer service there. We made appointments recently to discuss savings. From making our appointment through to having our meetings we were kept informed by Daniel in a friendly and professional way, The staff at the branch were so helpful when we arrived to meet with Daniel. His service was friendly, helpful and very informative. 5 star service.

Date of experience : 22 February 2024

Disappointed is an understatement

Disappointed is an understatement. Acknowledge I was scammed and refuses to help. Company content refers to sophisticated technology to identify scam/fraudulent activity as well as high trained staff but fail to stop my bank accounts being completely emptied. You failed.

Date of experience : 19 March 2024

RBS in Wishaw Scotland--Excellent service. I would give 6 stars if I could.

Called into Wishaw branch for a separate reason. Whilst there Linda , who dealt with me, asked if there was anything else the Bank could offer. I brought up a relatively small point related to their Rewards scheme. She said she would look into this and the next working day morning I received an e-mail from the Branch Manager explaining that a staff member would be in touch. Within a few hours Alana phoned me to confirm details I had given to Linda. These would be passed onto the Rewards Team. 2 days later I got a call from Claire to confirm the "complaint" ( it wasn't a complaint, just a small issue ) and within a few minutes it was dealt with. Overall extremely satisfied with the response both in timing and result. Banks often get a bad press but also should receive credit when it is due. Absolutely first class service.

Date of experience : 01 March 2024

A bank that has long lost its way and…

A bank that has long lost its way and has become a laughing stock. In Scotland this used to be a bank you could have trusted with your life, then it became involved with the City of London and we all know the outcome of that! RBS hasn’t a clue how to help its customers, this is not because of rude or poorly trained customer facing staff, it’s the processes and lack of flexibility that prevents customers getting an outcome on their terms! I am a customer whose faith has been trampled on, but have remained with RBS out of misplaced loyalty and in the belief they could turn their woeful performance round, only to be disappointed time and time again, no longer, I am joining the Bank of Scotland!

RBS card issuer inconsistent &…

RBS card issuer inconsistent & unreliable.Always deny any responsibility. Payment in which should take 10mins-3 hours can take as much as 3 DAYS & very often people paying money into my Bank account often tell me that the Card issuer has returned the money to them,which of course the Card issuer always denies. It is now more than 8 hours since 4 Companies sent money to my RBS debit card which should have been back in my RBS bank account over 6 hours ago but Nothing is back-Disgusted.

Date of experience : 12 February 2024

Called to action a change of vehicle as couldn't complete the change online. Advised that the insurer that I was changing to the same vehicle, same engine size but just a few years younger. Told the existing insurer would not accept the new vehicle (despite being the same) and that I would need to take a brand new policy. In doing so I forfeit that years NCB and even incur cancellation charges even though the cancellation was being enforced by the insurer rather than myself. Raised this with the advisor who said its just the way it is. No meaningful explanation or desire to assist. Would suggest you avoid and look for cover elsewhere!!!

Date of experience : 24 January 2024

I accepted a quote for car insurance

I accepted a quote for car insurance. I declared on quote I had no accidents in last 5 years. RBS car insurance said they checked with an on an online database that a claim was found by previous insurer 2 years ago. I contacted that previous insurer and sent RBS a letter stating there was no accident it was notification only that another car user trying to make false claim against me and was previous insurers error. There was no claim. Rbs would not honour my original quote and increased it due to risk of other road users trying to make a claim about me.

Date of experience : 17 January 2024

Absolutely flabbergasting experience!

Absolutely flabbergasting experience! I opened a payment dispute against a £69.44 transaction. I think a child was dealing with the dispute due to the amateur like correspondence. The handler just did not seem to know what they were doing?? I was requested evidences over and over again that the initial dispute application had already explained. The dispute was then instantly closed in favour of the seller!?? I received a damaged item that I could not resolve with the seller and the bank advised that they do not contact the retailer and closed this in their favour. I then opened a complaint and consequently received an email from the disputes team notifying me that they were pleased to advise that I have now received a full refund from the retailer and the case is now closed. Woohoo! Or so I thought. After a few days I contacted RBS to ask when the refund would show on my account. I was then advised that this is in my account already and was pointed in the direction of an ebay returns refund of £66.49!?? A totally different transaction completely!! After 1 and half hours on the phone I was losing the will to live! You could actually hear the cogs turning as they were trying to work out what was wrong. They have now advised that they will have to reopen the case and overturned my refund notification. They will be in touch and the current waiting time is 8 days. The professionalism of this bank is zero! I'm looking at geting away from the bank as soon as possible.

Date of experience : 12 March 2024

The RBS Cora system makes me go through…

The RBS Cora system makes me go through hoops today, Spent 40 minutes answering the same questions, then they kicked me out four times. Yet they say their systems are working normally. Tried to complain and just sent in more circles. Rubbish.

Date of experience : 01 February 2024

RBS Advisors absolutely clueless

Called to sort out my financial issues with them. Spoke to someone who put me on hold, came back eventually and said I needed to go through to another department for it. Put them through and the automated voice told me department was closed and the call ended. Not the first time this has happened speaking to them, certainly not bothering to phone them again. Anyone reading this still an RBS customer, switch to Starling.

Date of experience : 13 December 2023

I insured with RBS Royalties & upgraded…

I insured with RBS Royalties & upgraded to the best insurance with the policy. It was a waste of money. I had a flight cancellation & consequently missed / lost accommodation at £200 / night for 4 days. Surprise, surprise, RBS would not cover cancellations. Waste of time & money.

Date of experience : 03 January 2023

RBS refused to make car insurance…

RBS refused to make car insurance payment despite fact that I have a small child and need to be mobile . Bank refusing to give reason and will only say it’s due to bank policy designed to protect customers.

Date of experience : 19 December 2023

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HelloSafe » Insurance » Companies » Royal Bank of Scotland

Is Royal Bank of Scotland a Good Insurance Company?

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Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.

Table of Contents

You are considering buying an insurance policy at Royal Bank of Scotland and are wondering if Royal Bank of Scotland is the best insurer for you?

You've come to the right place!

In the below guide you’ll find everything you need to know about Royal Bank of Scotland: expert and consumers reviews, insurance policies detailed, recommendation, contact and much more.

Stay tuned!

Good to know

Safe's mission is to help anyone trying to get the best value for money deal on personal insurance making the right decision. We've analyzed over 1000 insurance companies and contracts. You will find below our independent and neutral rating and evaluation for Royal Bank of Scotland.

Who is Royal Bank of Scotland?

Founded in 1727, The Royal Bank of Scotland is one of the oldest banks in the UK. The company is part of the RBS group (NatWest, Ulster Bank) and the home insurance is underwritten by U K Insurance Ltd. RBS is the bank that invented overdraft. There are around 700 branches most of which are located in Scotland. Aside from banking services, RBS also offers insurance products to their over 30 million customers such as Car Insurance, Life Insurance, Renter's Insurance, etc.

What are the main insurance policies available at Royal Bank of Scotland?

Let's discover below main insurance policies offered by Royal Bank of Scotland.

Royal Bank of Scotland expert and consumers reviews: Defaqto, TrustPilot

Royal Bank of Scotland is regularly audited by Defaqto expert rating. Defaqto ranks each company as well as policies with scores of 1 to 5 stars. Cover details, admin fees, value for money, claim and complaint process and more are analyzed and weighted.

Consumers, on the other hand, can write down their opinions on independent websites such as TrustPilot, Reevoo or Reviews which give great insights on claim process and refund as well as customer service at Royal Bank of Scotland.

Is Royal Bank of Scotland a good car insurance company?

3,1 Safe overall rating for Royal Bank of Scotland car insurance

The wide range of cover services that Bank of Scotland provides makes it a very highly recommended services. All possible car insurance covers are provided by this company at customer friendly prices and with discounts. Also, the site is informative and can be easily navigated. There is a presence of a chatbot for easy and quick responses to questions asked by customers. Apart from the bad ratings received on TrustPilot, the company has a lot to offer and is recommended.

In addition to typical car insurance coverage choices, Royal Bank of Scotland offers, among other options:

Breakdown cover

Bank of Scotland's Breakdown cover is provided by RAC and six different types of covers are provided. They are:

• Roadside Assistance : the cover option is available for £29.99 pey ear and it provides cover for breakdowns that happen when the driver is a quarter mile away from home
• Roadside & At Home : the cover option is available for £71.99 and it provides cover at the roadside and also at home
• Roadside & Recovery : the cover option is available for £61.99 and it provides alternative means of transportation for the driver and passengers in the case of a breakdown.
• Roadside, At Home & Recovery : the cover option is available for £81.99 and it is a combination of the first three covers listed
• Roadside, At Home, Recovery & Onward Travel : the cover option is available for £91.99 and it includes hire car, alternative sources of transportation and hotel accommodation
• Roadside, At Home, Recovery, Onward Travel and EU : the cover option is available for £142.99 and it provides breakdown cover in European countries.

Windscreen cover

Bank of Scotland would cover the costs of repairs and replacement for keys and locks in the case that an approved repairer is used. If this is not the case, a sum of £150 would be provided to cover the cost of repairs.

Motor legal protection

Bank of Scotland provides Motor Legal Protection Cover for £30.99 per annum. In the case that the accident was not the driver's fault, the following are offered alongside the protection cover:

• £100,000 to cover for legal expenses
• compensation to cover for medical expenses for the driver
• uninsured losses.

Personal injury policy

Bank of Scotland provides a Personal Accident cover and this cover is only valid if the driver and his/her partner are involved in an accident in the insured vehicle and within 3 months, this accident results to:

• permanent loss of use of limb
• permanent loss of eyesight. £5,000 worth of Personal Accident cover is provided in these situations.

Besides main car insurance coverage, you can also get extra car insurance options at Royal Bank of Scotland. Get to know more, read our complete review on Royal Bank of Scotland car insurance .

Is Royal Bank of Scotland a good travel insurance company?

4,2 Safe overall rating for Royal Bank of Scotland travel insurance

RBS's travel insurance policies are underwritten by U K Insurance Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

They offer Annual Multi Trip insurance policies as standard across their Reward Bank Accounts: Silver, Platinum and Black. Instead of paying an insurance premium, you only pay a monthly fee of maintaining your Reward Current Bank Account. The period of insurance varies across the levels of covers with Silver covering 22 days per trip, Platinum covering 31 days per trip, and Black covering 90 days per trip. Winter Sports Cover is included as standard across all 3 accounts. The Silver account offers European Travel Insurance while the Platinum and Black accounts offer Worldwide Travel Insurance.

In addition to the travel insurance, you can also enjoy the following benefits when opening a Reward Bank Account at RBS:

• Mobile phone insurance
• Debit card purchases abroad at no extra charge
• UK car breakdown cover
• Discounts on holidays when you book with Platinum Travel Service
• Two free UK airport lounge passes with each Platinum Travel Service holiday booking.

We would recommend Royal Bank of Scotland to anyone looking to open a current bank account that comes with a travel insurance cover as standard.

For single and annual multi-trip cover, age and maximum number of days limits at Royal Bank of Scotland are:

You will find Royal Bank of Scotland cover details (compensations, deductibles, extras etc.) for single and annual multi-trip policies in our review.

Besides main travel insurance policies, Royal Bank of Scotland also provides extra cover such as:

• backpackers travel insurance
• long stay travel insurance
• winter sports cover
• cover for business trips
• cruise gear
• gadget cover

Wedding Cover is also available as an optional upgrade and it comes with the following benefits:

• Up to £1,500 wedding attire cover
• Up to £250 wedding ring cover
• Up to £1,000 wedding gifts cover
• Up to £750 wedding photographs and videos cover.

>> MORE: read our complete review on Royal Bank of Scotland travel insurance .

Is Royal Bank of Scotland a good home insurance company?

4,1 Safe overall rating for Royal Bank of Scotland home insurance

The standard building insurance policy at RBS provides interesting cover. The unoccupancy period cover is 60 days. However, you can only insure up to £1M value and you will only get up to £25K for alternative accommodation cover.

The contents insurance is particularly interesting for contents in outbuildings (up to £100K).

Royal Bank of Scotland building insurance

You will find below building main insurance details for the Standard Home Insurance cover at Royal Bank of Scotland:

• Maximum sum insured for your property : £1 000 000
• Owner's liability : £2 000 000
• Alternative emergency accomodation : £25 000
• Period of home's unoccupancy cover : 60 days
• Trace and access : £5 000
• Keys cover : Up to £1 000 000
• Subsidence excess : £1 000

Alongside building insurance, you can get additional cover such as:

Royal Bank of Scotland contents insurance

You will find below contents insurance details for the Standard Home Insurance cover at Royal Bank of Scotland:

• Maximum sum insured for your contents : £100 000
• Alternative emergency accomodation : £15 000
• Single item limit : £2 000
• Contents in the open : £1 000
• Contents in outbuildings : £100 000
• Money / credit card kept at home : £500 / Not covered
• Items temporarily removed from home : £5 000

Alongside contents insurance, you can get additional cover such as:

Standard excess to report a claim at Royal Bank of Scotland is £50 - £500.

You will find exhaustive cover details, administration fees, contacts etc. on Royal Bank of Scotland home insurance on our review below.

>> MORE: read our complete review on Royal Bank of Scotland home insurance .

Is Royal Bank of Scotland a good life insurance company?

4 Safe overall rating for Royal Bank of Scotland home insurance

Royal Bank of Scotland (RBS) offers life insurance services which is provided by AIG and it is valid for UK residents age 17 to 86 years. It provides coverage options like term life insurance (increasing and decreasing) and over 60’s cover. Critical illness cover is also provided and it offers cover for 25 major conditions or illnesses, including stroke, heart attack, and certain cancers. No mention of critical illness cover for children on both the website and policy documents. The ratings of 3 for Defaqto and 1.7 on TrustPilot are not on the high side. There are other better life insurance services that can be recommended, and policyholders can also make adequate research to find one better suited to their needs.

In summary, here are the main features you need to know when taking out life insurance with Royal Bank of Scotland.

You will find everything you need to know on Royal Bank of Scotland life insurance in our review.

>> MORE: read our complete review on Royal Bank of Scotland life insurance .

Royal Bank of Scotland discount codes, promos and vouchers

How to contact royal bank of scotland.

Find out how to contact and log in to Royal Bank of Scotland on our contact page.

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications. In this sense, his role leads him to carry out steering and support work with all HelloSafe editors and contributors so that the editorial line defined by the company is fully respected. and declined through the texts published daily on our platforms. As such, Alexandre is responsible for implementing and maintaining the strictest journalistic standards within the HelloSafe editorial staff, in order to guarantee the most accurate, up-to-date information on our platforms. and expert as possible. Alexandre has in particular undertaken for two years now the implementation of a system of systematic double-checking of all the articles published within the HelloSafe ecosystem, able to guarantee the highest quality of information.

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Royal Bank of Scotland

The Royal Bank of Scotland run travel insurance through their Select Silver account, and they offer a wide range of benefits that make it easy for travellers to enjoy their journeys. The cover plan covers the majority of eventualities that travellers find themselves involved in while aboard, and there are also extension packages to cover extras that people may feel they need to take care of.

Other perks include a cash advance facility. If a customer is unable to secure funding while abroad and has difficulties finding any money at all, the Royal Bank of Scotland is happy to provide up to £500 as emergency cash funding. The company does require any user of this facility to provide them with a guarantee of repayment. The company will inform the customer of the nature of this guarantee when the situation arises.

All Select Silver account holders who are under 70 years of age are eligible for the policy. If you are aged over 70 you can apply for extensions to the policy and receive cover, but this is at the discretion of the Royal Bank of Scotland.

Baggage cover is generous, with the Royal Bank of Scotland covering up to £1,500 for lost or damaged baggage.

The company will also not cover items that are naturally fragile, such as china or glass.

Cancellation is another aspect of traveling that can be problematic. There are many reasons why your journey may have to be cancelled. You could have a death in the family, for example, and have to stay at home to deal with matters. Or you could find that you have been called for jury service, and you cannot avoid it. The cancellation cover is used for events like these, and the cover can be as much as £5,000. There are some very stringent requirements in place for this particular aspect of cover.

Exclusions for this aspect of cover are very clear. For example, if you have to cancel travel due to your own personal financial circumstances the company will not cover you for this. They will also not cover you if your government has stated that you should not travel due to your citizenship. This often happens when you arrange a flight to somewhere that is subsequently deemed unsafe by your government, and then you are unable to fly there.

In addition, if you have a pre-existing medical condition and you have not told the company about this then they will not be prepared to compensate you if it affects your travel so much you are forced to cancel.

Emergency medical expenses are covered, and you can even expect up to £10,000,000 in cover for emergency medical expenses. However, it is absolutely vital that you inform the company of any medical conditions that you may have before you take up the cover. If you have not declared any medical conditions and then the company discovers this, you are personally liable.

Exclusions are very clear here also. The company will not cover any cost of treatment that their own medical advisers deem to be non-emergency. This means that anything they think you could have waited to deal with at home will be treated as non-emergency.

If you are involved in any hazardous activities or sports and you have not told the company about them first before going on your journey, you can expect to have no cover.

If you were involved in any non-emergency treatment, such as an x-ray for example, this would not entitle you to any emergency medical claims.

Personal money claims are possible. It is always advisable to carry a small amount of cash around with you on holiday, but sometimes people carry significant amounts. If you lose or have stolen any personal money while on your journey, the company will offer compensation of up to £500. It is important that customers realise that any claims must be reported to the local police within 24 hours of discovery. So if you have your wallet stolen, you have to tell the local police force immediately, or there is a good chance you won't gain any compensation for it.

One exclusion is very clear. If you cannot prove that you had the money in your possession at the time of loss then you cannot expect to receive any financial cover for the eventuality.

The Royal Bank of Scotland has always had a reputation for integrity and high quality products. With great customer service and a dedicated 24-hour helpline, the company really shows that they are about the customer experience. Other aspects, like the message line service, show that the safety and comfort of their customers is of paramount concern to them.

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Royal Bank of Scotland Review

The Two Minute Review

While the Silver and Platinum silver accounts might suit some, we can’t get too excited about the banking rewards RBS is offering. With below average customer service to boot, we think there are better options out there.

• 🏦 Lots of branches.
• 💰 Deposits up to £85,000 are guaranteed.
• 😑 Rewards only seem attractive on the more costly monthly accounts.
• 💸 Interest on overdrafts is 39.49% EAR and high international spending fees (2.75%) on standard accounts.

Ranked #23 of 25 personal current accounts in the UK.

What The Experts Say

On the RBS Select Account: “The RBS Select Account lacks any additional perks such as insurance or cashback, but it is free of charge.”

What Users Say

Each year the CMA (Competition and Markets Authority) commissions an independent report that asks a thousand customers of each of the major banks in the UK how they feel about various aspects of the service they are getting. The results put Royal Bank of Scotland in 16th position.

Click to see the full picture.

Royal Bank of Scotland has a Trustpilot rating of 1.4 but here at The Grade we like to dig a bit further. When you exclude reviews the company has itself invited and look just at organic reviews, the score stays at 1.4 (unlike some other banks) . In terms of organic Trustpilot rating this means Royal Bank of Scotland is number 14 out of the 25 personal banks/current accounts we review.

At the last check, Smart Money People had collected 467 reviews which gave Royal Bank of Scotland an average score of 4 out of 5.

See more customer reviews ->

The Deepdive

Royal bank of scotland in a nutshell.

Royal Bank of Scotland (RBS) is one of the oldest banks in the UK, founded in 1727. It has around 700 branches across the United Kingdom though these are predominantly located in Scotland (and RBS recently announced it was closing 32 branches in England and Wales).

It is a subsidiary of NatWest.

It looms large in the mind of many people for its £45 billion bailout during the 2008 financial crisis. However, the full bailout was paid back in 2013 so this is no longer a huge concern. Current accounts are also backed by the Financial Services Compensation Scheme which means deposits are protected up to £85,000 (£170,000 for joint accounts). It is also regulated by the Financial Services Authority.

Opening an RBS Current Account

You can apply online for an RBS account. It takes about 10 minutes and during the process you will be asked for standard personal details (e.g. name, date of birth, address history over last 5 years) and to show ID and proof of address. Usually, you will get an instant decision on whether your application is successful – but if RBS requires additional documents then approval can take 5 more working days.

Types of Account

RBS’ accounts mirror those of NatWest customers. Here is a breakdown of the accounts offered along with their features.

All accounts are protected by the Financial Services Compensation Scheme meaning that deposits are protected up to £85,000 in the event RBS were to go bankrupt.

Overall, we think the Platinum and Silver Rewards account may be interesting for those who are already paying out for breakdown, travel and phone insurance – but the more basic accounts are probably not the best value in terms of rewards.

How Good Is The App?

The app is fairly basic, but it is very secure and allows you to do the basics like sending money and checking your balance/transactions. There are a couple of nice features we didn’t expect from RBS though.

• “Get Cash” allows you to use the app to get £150 out of a cash machine.
• The “round up” feature allows you to round transactions you make on your card to the nearest pound and send the difference to a savings account. The catch? The savings account has to be with RBS.
• You can check your credit score in the app and it is updated every 30 days.

User Comments

We spend hours reading user comments to see what feedback people are giving. Here are some positive and critical comments that stood out to us:

Been with them for years and always very helpful Always had great experience with RBS – love the App – would be lost without it especially since our local branch closed.

Everything I want/need in a current account I’ve had this current account with RBS for a good number of years – and during that time, I’ve seen it constantly being improved, with new features being added as to how I can manage it via the app on a regular basis.

Cora is a legend I called my bank to speak to a human and the guy was zero help. I spoke with the automated Cora and got help in full. No fuss, no stress just answers and straight to the point. Cora is RBS’ best employee.

Cora The reason i am writing this review is due to Cora – the extremely helpful chat function RBS offer.

The bank that would prefer you never use it Experience of staff friendliness varies from branch to branch but one thing remains constant. Even if you only visit a branch 2 to 3 times a year like me they will make you feel you are an imposition and “really could bank online or over the phone”. There are quite specific reasons I do not do this but they would rather argue and make you feel like you are an imposition for visiting every 4 months or so than welcome you as a long time customer. And now I am actively looking for alternative banks as the new £100 spend limit with RBS is mandatory on current account cards (unless I choose to bank online OBVIOUSLY) whereas other banks recognise that you deserve a choice in the control of your own money and spending limits.

Is RBS a Good Bank?

Royal Bank of Scotland is ranked #23 of 25 personal current accounts in the UK (click to see full list).

Are there better current accounts on the market? We’re calling out the following accounts as excellent:

They have a grade score of 76 - ranking them as the second-best UK bank. A long-standing reputation, great digital experience and top-notch customer service make them an excellent choice for most people.

We are sorely missing their £175 introductory offer however and hope they bring it back to market soon.

To qualify you to switch to open an account online or using the app and switch another bank account to them (including two Direct Debits).

If you are looking for a first class app experience then our scoring puts Starling ahead of rival Monzo.

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Reviews 1.4.

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Not impressed at all.

Attempted 4x times to deposit a cheque into my current account. I have no bank in my town and it is inconvenient to try to get to the Post Office. I took pics of the cheque front and back as requested, tgey were approved and then it says "Unable to deposit cheque right now, try again later".... 2 days later I am still unable to deposit the cheque. I then go online for some help, only to get some utter garbage automation service which is a waste of time. RBS deserves all of the bad reviews, customer service non existant unless you are a robot.

Date of experience : April 23, 2024

Useless company

Useless company. Phoned on a Sunday and told I have to call Mon-Fri when I am at work. They said I could visit my branch (they closed all locally, nearest 1hr 30min by car on Sunday (closed) I guess 2hr on a weekday when open/when I'm at work. Customer service advisor lied claiming I have been making no payments to a credit card, when I queried if she was lying because every single statement show a payment, and a continuous lowering balance, she admitted she had lied. She said there was no managers in to discuss her lying, and I could get a call back when I'm at work.

Date of experience : April 14, 2024

Worst bank in the U.K.

Worst customer service and systems I’ve ever experienced in banking for 40years. Will be closing my accounts and mortgage…!!!! Unhelpful staff in Fraud Team. Invasive questioning, unhelpful and will not escalate to any senior management. Told the only course of action to take is to send a complaint. Sent a complaint and it didn’t even get registered..!!!! Went to branch to sort out and they apologised and said they couldn’t do anything, other than to send another complaint. Totally disengaged from their customer base. Avoid at all costs…. Z

Date of experience : April 08, 2024

We have used RBS for many years

We have used RBS for many years as our main accounts, Mr Mrs and joint. On the whole we've have had excellent service. Customer service has been good with people that can communicate effectively. Some times a little over protective, as i have had a couple of legitimate payments to crypto exchanges stopped, and was grilled intently by some guy on the phone demanding to know what the payments were for when its none of their business, hence 4 stars.

Date of experience : April 04, 2024

Communication difficult

For the last three months, the Royal Bank Of Scotland has debited my personal debit card account of over £50 each time in favour of a company with which I have had no dealings. IQBESTGAMES.COM. I do not know if this company exists, even, so am not able to stop the next monthly payment myself. Due on or about 22/ 23 April. I have a case number from the bank:2992718 but no further notification of them stopping future payment, never mind any refund for this fraudulent spend. Please, Royal, contact me soonest. Roger

Date of experience : March 22, 2024

Absolutely horrendous customer service

Absolutely horrendous customer service. Card got blocked for a purchase I acknowledged on text. They make you call up to ask more questions after being on hold for half an hour just to speak to an employee who will then redirect you to another branch which takes another half hour which by now the call has gone on for too long and randomly ends. You call them back just for them to tell you that you have to come in person to a branch with photo ID and all your information, just an absolute waste of time will be switching banks asap stay well away from rbs…

Date of experience : March 31, 2024

Service has really gone down hill recently

After being with RBS for 22 years and Never had a problem with them, the last year and especially last month is just a joke! They never seemed to be the most competitive bank but couldn’t fault their service in anyway (apart from one occasion when a teller was a bit moody with me but everyone has off days) but then they started closing branches all over the place. Its inconvenient with no local branch but telephone banking was always an option but it is just a nightmare recently, its a Robot that you need to get past. I kept going round in circles as it cant answer my question, i only call when it something i need to talk to someone for as im familiar with using the app. I called, asked to talk to someone but then the next step it would direct me to the app or not understand. After 10mins of this im mad and highly irritated and if i happen to get an operator they always now way too keen to just direct you to the app again! Calling them is a highly frustrating experience now. If they don’t improve fast im moving to another bank. Also they seemed to overcharge me on my recent loan but I can’t get through to ask anyone about it and their chat gpt is no use when its something unusual. Please employ some people again and get your service back up to standard.

Date of experience : April 10, 2024

Switch offer not honoured!

RBS have advertised extensively for new customers with the promise of £200 on the transfer of a personal account to them. Because of their slow processing my account was only confirmed late last week, and that was only successful after my ongoing intervention. When I needed help in the final activation of the ‚switch‘ scheme I phoned and spoke to a very nice and helpful lady, Paula. However, she advised that the offer of the £200 had been withdrawn on Tuesday last, 2nd April. This was so disappointing on a number levels as follows: No advice of withdrawal of offer No deadline date ever stated at the outset Slow processing by RBS delayed the transfer. I have asked customer service to honour the offer as I had activated the account transfer before the withdrawal of the offer. I haven’t heard back from the complaints department nor even had an acknowledgement of my complaint. I have a copy of my complaint submission. Please address this complaint and respond to the issues as above. My customer reference is 2605550221. Thank you, Phena

Date of experience : March 29, 2024

Absolute waste of time

Absolute waste of time, I was told in branch to come in and they would help me switch accout from tsb as I have no photo id, when I went back a few days later I was shut down immediately and told they don't do that in branch by quite an ignorant employee, I was looking to switch as it is closer to my home and I am not in the best of health but won't be using them now. Why do you have to give a minimum of 1 star? Surely should be allowed minus stars too for this lot

Date of experience : March 18, 2024

Disgusting bad service from usual banks…

Disgusting bad service from usual banks that somehow believe we owe them something because we give them our money. Ai answer machines, no people, no service, no care, withdrawn my savings as they could not be bothered to offer ANYTHING, that remotely looks like a service. Could not be bothered to inform me I could not pay into an ISA . GO TO VIRGIN MONEY, REAL PEOPLE WHO CARE!

Date of experience : February 07, 2024

Stood for 20 minutes in a queue, then had to leave

Stood for 20 minutes in a queue, had to leave once the only 2 staff serving us started to help customers by standing beside them in the line for the ATMs to guide them through an ATM process. Don't let your only 2 cashiers/staff at desks walk away and spend 5 minutes helping customers queue for the ATM. Perhaps get one of the staff members standing to do that so that the cashiers can work through queues.

Date of experience : February 19, 2024

Worst customer service you can ever…

Worst customer service you can ever receive from a high street bank. There is always this back-and-forth between telephone customer service and online customer service. Isn't it the same bank you both work for? Nothing can be done easily with this bank. No wonder it is on switch incentive offer all year round. Avoid it if you can!

Date of experience : February 23, 2024

They aspire to be incompetent, a way to go.

Tried to book a flight online, everything okay until authentication, no code, tried again no good. Eventually got through to someone, my card was blocked. After twenty minutes of inane interrogation everything was unblocked.... tried again same thing. Called again, told it was a two minute queue, 25 minutes later gave up. Phoned again complained, told someone would call me, they did more questions then told she would call my number to see if it was okay (they'd just called me on it). Still waiting.

Date of experience : January 19, 2024

Utterly useless. Avoid this bank...

After ordering euros on-line from the post office two days ago, my card was blocked. Forty minutes on phone to their fraud department, card unblocked. They assured me the card could be used as normal, so I repeated the transaction. Today, card blocked again - and my phone app and on-line banking disabled. Another hour with the fraud department, answered all security questions correctly, but he was not permitted to unblock my card or apps. "Have to go into the bank" i.e. in the Channel Islands. Yeah, great. I phoned the Channel Islands, RBS don't work at the weekend. My disgust at this useless bank is without bounds. Closing the account.

Date of experience : January 06, 2024

Worst bank ever

Worst bank ever. You can’t access payment or check pin without stupid facial recognition where you blink.After 2 hours of being kicked out numerous times and blinking more than a pepper sprayed protester I eventually got access to allow me to move all my money out as they were such a difficult account to use. This was after fingerprint logon. Left 50p until they get things sorted.

Date of experience : July 16, 2023

Digital Account--6 Failures

I tried to set up Digital Account--6 Times First three attempts were on-line and these failed for following reasons. Failed to recognise my Postcode which i have used for 25 yrs. Failed to accept the Activation code issued to me 2 days previous by post. Failed to answer query by Corta and cut out in mid question. Being a sucker for punishment I tried by telephone. Again there were failures three times. First failure was when we got to set PIN and telephone just went dead. Second attempt failed when we attempted to set a Password and phone line failed. Final attempt failed after there were three errors by the staff lady to type in the activation code properly. Locked out. The software and telephone service being used by RBS must be one of the worst customer service systems in use, probably compares with Horizon. If RBS paid good money to purchase the system I can only suggest they were ripped off. One of the worst features is that every attempt starts at the beginning of the question list again Nothing is recorded so that a failed attempt could be picked up at the point of failure and completed. If I could award Minus Stars I would. What I will do is find another bank !!

Date of experience : February 17, 2024

My advice don't trust

My advice don't trust Royal Bank of Scotland BC yesterday they decided to pi** me off by blocking my card they have accessed me Saying am not the owner of card holder And BC lot purchases were made I said to them in am the card holder and made the purchases I did the Security questions yet still not resolved my issues RBS are theifing rats i had 3 accounts basic ACC savings account bills account which had lots of money now all my money has gone RBS are refusing to unblock my card Now I have no money BC those theifing rats have took all money I feel like I should call the police on RBS have them arrested for stealing all my money

Date of experience : November 17, 2023

Customer Service - what customer service???

The worst customer service I've come across in years. Three emails unanswered regarding an issue with one of their services. What is the point of Customer Relations if they ignore communications from unhappy customers. Been with them for decades, but clearly it's time for a change - will be moving my accounts elsewhere

Date of experience : September 01, 2023

Great service through the RBS breakdown…

Great service through the RBS breakdown cover partnered with the AA Absolutely great service by the AA… Absolutely great service by the AA through the Royal Bank of Scotland. Rory was the mechanic that sorted out our breakdown Reg number LA22 NVD. Great attitude 👏 Well done Rory

Date of experience : October 10, 2023

UK citizen asked to provide UK visa

I was asked to provide further "Proof of right to stay in the UK" even though I provided my UK passport during my current account switch. UK citizens don't need any visa or permit to stay in the UK. Your account opening team is run by ignorant/incompetent people. No wonder "Overall service quality" shown on RBS website is so poor. To save myself from further poor experiences, I cancelled my switch.

Date of experience : October 12, 2020

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RBC Insurance Travel Insurance Review 2024

Updated: Feb 28, 2024, 7:33am

Reviewed By

Whether you’re planning a dream vacation, snowbird getaway, destination wedding or cruise, RBC Insurance has a travel insurance plan to suit your needs. With unlimited emergency medical coverage, a full suite of travel insurance plans and a package geared towards mature travellers, RBC offers peace of mind in case of a travel emergency. While the included trip benefits are lower than other plans, the available package upgrade rider sweetens the offer.

• Unlimited emergency medical coverage
• Coverage for pre-existing conditions
• Package upgrade available
• No CFAR coverage
• Expensive for travellers over age 65
• No app for easy claim submission

Table of Contents

About rbc insurance travel insurance, what travel insurance does rbc insurance offer, rbc insurance travel insurance plans, summary: plan comparison, rbc insurance travel insurance cost, comparing rbc insurance travel insurance with other insurers, optional add-ons for rbc insurance travel insurance, does rbc insurance travel insurance offer any discounts, does rbc insurance travel insurance offer annual multi-trip plans, rbc insurance travel insurance 24/7 travel assistance, does rbc insurance travel insurance have cancel for any reason (cfar), does rbc insurance travel insurance have interruption for any reason (ifar), rbc insurance travel insurance and pre-existing medical conditions, rbc insurance travel insurance exclusions, rbc insurance travel insurance eligibility, how to file a claim with rbc insurance travel insurance.

RBC Insurance is the brand name for the operating entities of Royal Bank of Canada—Canada’s biggest bank. RBC Insurance offers a range of insurance options, including life, health, home, auto and travel to individual, business and group clients.

RBC Insurance is underwritten by RBC Insurance Company of Canada.

Here are the key types of travel insurance coverage offered in RBC Insurance travel insurance plans:

• Emergency medical insurance: If you get ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the coverage limits in your plan. These expenses can include doctor and hospital bills, medication and lab work.
• Trip cancellation insurance: If you cancel a trip for a reason listed in your travel policy, such as you or your travelling companion becoming ill, weather conditions causing a massive delay or you losing your job,  trip cancellation insurance can reimburse you for prepaid, non-refundable costs.
• Travel interruption or delay insurance: Trip interruption insurance can pay for a last-minute flight home in an emergency and reimburse money that you lose by cutting a trip short, such as non-refundable activities and hotel stays. If your flight is delayed , your insurance can cover the cost of incidentals, such as meals or accommodations, after a specified period of time, such as 10 or 12 hours.
• Baggage insurance: Baggage travel insurance can compensate you up to your policy limits if your luggage is lost or stolen. It will reimburse the depreciated value of your suitcases and what you packed. If your bags are delayed, it can reimburse you for the cost of the necessities you’ll have to buy to tide you over. It also extends to your personal belongings, if anything is lost, damaged or stolen.
• Travel accident insurance. This coverage offers compensation in the event of accidental death or catastrophic injury from an accident during your trip. Flight Accident Insurance covers injury while you’re on a commercial plane, during a connection or in an airport. Travel Accident Insurance covers death or dismemberment, including the loss of limbs or eyesight, while on your trip.

RBC Insurance Travel Insurance offers three packaged plans for travelling outside of Canada:

Deluxe Package: This is the most comprehensive plan offered by RBC Insurance. It includes coverage for unforeseen medical emergencies, trip cancellation and interruption, flight and travel accidents, and baggage loss, damage and delay.

Emergency medical treatment includes:

• Hospital accommodation in a semi-private room
• Services of a legally licensed physician, surgeon, anaesthetist or nurse
• Private duty nursing
• Ground or air ambulance
• Rental or purchase of a hospital bed, wheelchair, brace, crutch or any other medical appliance
• Diagnostic tests
• Prescription drugs and medication
• Paramedical services, such as care from a chiropractor, osteopath, physiotherapist, chiropodist or podiatrist, up to $300 per profession
• Ambulance transportation
• Emergency dental due to a blow to the face (emergency expenses covered during your trip, plus $1,500 when you return home)
• Emergency dental due to pain, up to $300

Medical benefits also include coverage to bring someone to your bedside, expenses for meals, hotel accommodations and associated expenses if a medical delay prevents you from returning home, repatriation expenses, return of your remains if you die and a hospital allowance for expenses such as parking and TV rental.

Non-Medical Package: If you have medical coverage elsewhere, such as a RBC travel credit card , this covers trip cancellation and trip interruption, flight and travel accidents, and baggage loss, damage and delay.

TravelCare Package: For travellers over age 75, this package includes coverage for unlimited emergency medical, trip cancellation and interruption, baggage loss, damage and delay, and flight and travel accidents. Pre-existing conditions may also be covered depending on your answers to a medical questionnaire and the TravelCare category for which you qualify. There are three TravelCare categories: Gold, Silver and Bronze. Travellers with a score of zero on the questionnaire will be assigned to the Gold category that stipulates a 90-day stability period for pre-existing conditions. Travellers with median scores (between 5 and 35) will be assigned to the Silver category that requires a 180-day stability period, while travellers with the highest scores (40 and over) will be assigned to the Bronze category that requires a 365 day stability period. Here are some examples of questions and the related scores:

• Have you ever, in your lifetime, been diagnosed with any heart conditions? (No= 0, Yes = 20)
• In the last 12 months have you received or has your physician recommended chemotherapy or radiation therapy for any cancer condition? (No = 0, Yes = 5)
• In the past 12 months, have you used or been prescribed oxygen? (No = 0, Yes = 40)

Family plan pricing is available for both the Deluxe Package and Non-Medical Package.

When you go through the quote process, RBC Insurance also offers prices for basic Cancellation and Interruption Insurance and Classic Medical insurance.

We’ve highlighted key benefits of RBC Insurance Travel Insurance for the single trip plans to help you identify which coverage is the best fit for you.

The price of a RBC Insurance travel insurance plan depends on factors such as the cost of your trip, your age and the amount of coverage you choose.

Here are some examples of the cost for RBC Insurance travel insurance single trip plans for healthy travellers based in Ontario.

Emergency medical: $5 million Cancel For Any Reason: Yes, 50% to 75% Baggage insurance (maximum): $1,500

Related: CAA Travel Insurance Review

TD Insurance

Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000

Related: TD Insurance Travel Insurance Review

Manulife Financial

Emergency medical: $10 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000

Related: Manulife Financial CoverMe Travel Insurance

RBC Insurance offers a Package Upgrade Rider that can be purchased in conjunction with any of the packaged single trip or multi-trip options. It can not be purchased on its own. Here are the main benefit upgrades offered by this add-on:

Yes. You can buy multi-trip annual insurance if you travel more than once a year for multiple individual trips. RBC Insurance offers the Deluxe Package and the TravelCare Package for nine, 16 or 30 days. There is no multi-trip option for the Non-Medical Package. If you stay longer than the number of days you purchased, you can purchase a top-up.

Here’s how the prices between single-trip and multi-trip insurance for 16 days compare:

Worldwide emergency medical assistance is available 24/7 by calling RBC’s claims and assistance partner Allianz Global Assistance. When you have a medical emergency, the following support may be available:

• Referral to a recommended medical service provider near you
• Transportation to a suitable facility for medical treatment to stabllize or treat your medical condition
• Confirmation of coverage and direct payment of fees to the recommended medical service provider
• Consultation with your attending physician to monitor your care
• Monitoring of the appropriateness, necessity and reasonableness of care to ensure expenses will be covered

If you don’t call Allianz Global Assistance first, your benefits may be reduced and your coverage may be limited to 70% of your medical expenses under your insurance plan, meaning you’ll be financially responsible for 30% out of pocket.

RBC Insurance will not pay any medical expenses related to a medical condition that is not stable for a set period of time before your coverage takes effect, either 90, 180 or 365 days depending on your answers to a medical questionnaire that will assign you to one of three TravelCare categories: Gold, Silver or Bronze.

According to RBC Insurance, a medical condition is considered stable when all of the following are true:

• There has been no new treatment prescribed or recommended or any change in existing treatment, including a stoppage
• There has not been any change in medication, or any recommendation for or starting of a new prescription drug
• The medical condition has not become worse
• There has not been any new, more frequent or more severe symptoms
• There has been no hospitalization or referral to a specialist
• There have not been any tests, investigation or treatment recommended but not yet complete, nor any outstanding test results
• There is no planned or pending treatment

In addition, RBC Insurance will not cover:

• Any heart condition that is not stable in the 90, 180 or 365 days before your trip
• Any heart condition for which you’ve had to take nitroglycerin for angina pain in the 90, 180 or 365 days before your departure date
• Any lung condition that is not stable in the 90, 180 or 365 days before your trip
• Any lung condition for which you’ve been treated with or prescribed home oxygen, prednisone or prednisolone in the 90, 180 or 365 days before your departure date

There are a number of scenarios not covered by travel insurance and it’s critical to know what not to do before you make a claim only to be told you’re on the hook for all associated costs. The following are some of the most common issues not covered by travel insurance:

• A claim against an unstable pre-existing medical condition
• The continued treatment of a medical condition on once the emergency period has ended
• Your self-inflicted injury, suicide or attempted suicide
• Any claim related to a criminal offence or illegal act
• Any medical condition arising from the abuse of drugs, alcohol or other intoxicants, or withdrawal from drugs, alcohol or other intoxicants
• Any medical condition that is the result of you not following prescribed treatment
• Any claims related to non-emergency, experimental or elective treatment, such as cosmetic surgery, chronic care or rehabilitation
• Your participation in a sport as a professional athlete
• Your participation in rock climbing or mountain climbing
• Your participation in a motorized race or speed contest
• A trip made for the purpose of obtaining a diagnosis, treatment, surgery, investigation, palliative care, or any alternative therapy
• Any claim related to pre-natal or post-natal care
• Any claim related to a child born on the trip, or any claim related to pregnancy, delivery or complications of either arising nine weeks before or after your expected due date
• Any claim which would have caused a prudent person to seek medical treatment in the 90 days before your effective date
• Any claim incurred after a physician advised you not to travel
• Any claim related to a government travel advisory for “Avoid all non-essential travel” or “Avoid all travel”
• Any expenses from orbital space flights, sub-orbital space flights and space tourism

To be eligible for RBC Insurance travel insurance coverage, the following must apply:

• You must be a Canadian resident
• You must be under 60 years of age and travel for 183 days or less
• You must be 60 years of age or older and under 75 years of age and travel for 60 days or less
• Have correctly completed the medical questionnaire if the non-refundable portion of your trip costs exceed $15,000
• Be covered under your government health insurance plan, or your insurance maxes out at $20,000 in coverage

You can file a claim by visiting the RBC Insurance travel insurance website where you can obtain an emergency medical or cancellation and interruption claim form. You can complete the document(s) digitally and then submit it and all required documentation through the online claim submission page.

If you are making an emergency medical claim, documentation may include:

• Original of all bills, invoices and receipts
• Proof of payment by your government health insurance plan and payment from any other insurer or benefit plan
• A complete diagnosis from the physicians and/or hospitals who provided the treatment including verification that the treatment was medically necessary
• For accidental dental expenses, proof of the accident

For a trip cancellation and trip interruption claim, you may be asked to provide:

• A medical document stating why travel was not possible
• Written evidence of the covered reason that caused the cancellation, interruption or delay
• Tour operator terms and conditions
• Complete original unused transportation tickets, vouchers, cruise shore excursion or special ticket events
• Receipts for the prepaid land arrangements and/or out of pocket expenses
• Original passenger receipts for new tickets
• Reports from the police or local authorities documenting the cause of a missed connection
• Detailed invoices and/or receipts from the service provider(s)

If you are making a baggage loss, damage and delay insurance claim, you will need to provide:

• Proof of loss/damage (copies of reports made to the authorities), proof of ownership and receipts for the items claimed in the event of loss or damage
• Proof of delay and receipt for purchases or necessary toiletries and clothing in the event of a delay

If you are making a flight and travel accident insurance claim:

• Police reports, medical records, death certificate, autopsy report or coroner’s report

You must file a claim within 90 days of return to your departure point.

RBC Insurance Travel Insurance FAQs

Does rbc insurance pay for medical costs upfront.

According to the company, the payment of eligible medical services will be coordinated through RBC Insurance, communicated with your medical provider and billing arrangements “will be discussed.” The insurer notes that pay assistance “may not be available from certain medical service providers for reasons beyond our control.”

Does RBC Insurance offer coverage extensions?

Yes. Your coverage is automatically extended for 72 hours starting on the final day of your trip due to a transportation delay. If you or your travelling companion are hospitalized, your coverage is extended for the period of hospitalization, plus up to five days after discharge. If you or your travelling companion is unfit to travel due to a medical emergency that does not require hospitalization, your coverage is automatically extended for up to five days.

You can also request an extension if you want to stay longer on your trip, provided you apply before the expiry date of your policy and you haven’t made any claims or you’re not currently seeking treatment. If the extension is not available, you may be able to purchase a new policy.

Does RBC Insurance cover COVID-19?

The emergency medical coverage provides for medical expenses related to COVID-19 as long as there are no “Avoid all travel” or “Avoid all non-essential travel” advisories issued by the Canadian government on the day you depart on your trip. RBC Insurance will not pay trip cancellation or interruption benefits if you are required to cancel your trip for a reason related to COVID-19 unless:

• You get sick with COVID-19 and it prevents you from travelling as planned • Your spouse and/or children become sick with COVID-19 and prevents you from travelling as planned

Does RBC Insurance require a medical questionnaire?

Yes. Travellers age 65 and over must complete a comprehensive medical questionnaire that asks questions about your eligibility for insurance.

If it’s discovered that you did not answer the questions truthfully or there are any errors, this may void your plan and/or your claim may be denied.

Also, regardless of age, if the non-refundable portion of your pre-paid travel expenses exceeds $15,000, you will be required to complete the medical questionnaire.

Does RBC Insurance have any age restrictions?

If you are between 60 and 75 years old, the maximum number of travel days is 60 days. Also, travellers over age 65 need to quote and buy insurance separately even when travelling together. The Deluxe Package is available for travellers aged 0 to 74 for single trip plans and age 0 to 64 for multi-trip plans. The TravelCare Package is available for travellers age 75 and over for single trip plans and age 65 and over for multi-trip plans. The Non-Medical Package is available for all ages.

When does my coverage with RBC Insurance begin?

In general, if you purchase cancellation coverage, it begins the day you buy your policy and ends the day when you make a claim or leave on your trip. Your interruption coverage, if purchased, begins when you leave home. Your delay coverage begins once an insured risk prevents you from returning home as scheduled.

Does RBC Insurance offer a free look period?

Yes. RBC Insurance offers a 10-day “Free Look” period where you can review your policy and decide to cancel it within 10 days of purchase if you have not already left for your trip and there is no claim in progress or you have not experienced an event that would cause you to submit a claim.

Can I get a refund with RBC Insurance?

Refunds after the 10 day “Free Look” period are not permitted unless:

• The supplier (tour operator, airline, etc.) cancels your trip and all penalties are waived • The supplier changes the travel days and you are unable to travel on these dates and all penalties are waived • You cancel your trip before any cancellation penalties are in effect

Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

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Travel Insurance FAQs

We pride ourselves on being there for our customers and keeping them safe. We know that buying travel insurance can be overwhelming and confusing. That’s why we’ve tried to clear up as much as possible and answer the most important questions below.

If these do not answer your query, please don’t hesitate to get in touch.

The details below were last updated on 01/02/2024. To the best of our knowledge this information is correct at the time of writing. Full terms and conditions of the travel insurance are shown in your policy documents. If you have any questions about your cover, please contact Allianz Assistance using your membership services contact details.

The FAQs below have been split into four sub-sections:

Hot Topic Questions

Your policy does not provide cover for costs you incur if the airline cancels your flight. You should in the first instance seek compensation for these costs directly from the airline.

Most airlines offer full refunds of the flight costs if they cancel your flight in advance of your travel date. Some may offer additional financial compensation or vouchers, particularly if the flight is part of a Tour Operator booking.

Where flights are cancelled on the day of travel, under EU Air Passenger Rights rules, the airline is obliged to rebook flights for you to travel with any airline to get you to your destination on the original travel date (as long as seats are available). Further information about your rights can be found in the Civil Aviation Association  website.

Your policy does provide cover for Travel delay and Abandonment cover under the Delayed departure section of your policy. You may qualify for either a delay compensation payment or even submit a claim for lost travel costs, if you decide to abandon your trip altogether. The standard qualifying delay period is 4 hours for travel dealy. The qualifying period for abandonment is 12 hours for trips scheduled to last 5 nights or more, reduced to 6 hours if your trip is only booked to last for 4 nights or less. Please refer to the policy for the full cover details.  

For other FAQs, you can click on these appropriate links for COVID-19 FAQs , General FAQs or BREXIT FAQs

While the policy does not specifically mention this, cover is provided under the standard terms and conditions of your policy for trips involving a cruise. 

The policy doesn’t however include additional cover aspects that some specialist cruise policies may provide, for example missed port cover if for some reason the ship cannot dock.

If you do need confirmation of this in writing, please request this by contacting Membership Services team by emailing  [email protected]  or calling the phone number shown on your banking documents.

For more FAQs, you can click on these appropriate links for COVID-19 FAQs , General FAQs or BREXIT FAQs

The full terms and conditions of the COVID-19 cover are shown in your travel policy. 

We are happy to provide a certificate of insurance outlining the COVID-19 cover provided. You can request this by contacting the Membership Services team by emailing  [email protected]  or calling the phone number shown on your banking documents.

As an account holder you are automatically eligible for base travel insurance cover, until you reach70 years of age. At this point, you will then need to purchase an annual age extension upgrade in order to continue cover on your policy. These upgrades can be purchased by contacting the Membership Services team by emailing [email protected] or calling the phone number shown on your banking documents.

Unless you have a Silver Account (which restricts cover to only account holders), cover is also automatically included for your spouse, civil partner or partner until you or they reach 70 years of age (whichever happens earlier). At this point, each person aged 70 or over will need to purchase an annual age extension upgrade for cover to continue.

There’s cover for the children of you/your partner when travelling with either of you or another responsible adult, provided the children are aged under 18  (or under 23 if still in full-time education).

You can add other family members or friends not falling in these categories by purchasing a Guest cover upgrade. You can purchase cover for up to six additional people. These 'Guests' will need to be travelling with you for cover to apply.

For more FAQs, you can click on these appropriate links for COVID-19 FAQs , General FAQs or BREXIT FAQs .

You can purchase a number of upgrades to your base policy to increase some of the aspects of cover:

• Pre-existing medical condition – to include cover for claims relating to a pre-existing medical condition of someone on the policy.
• Age extension cover  – to extend cover to include people aged 70 years or over.
• Guest cover – to include cover for someone travelling with you, who is not automatically eligible for base policy cover.
• Extended trip cover  – to increase the standard length of cover provided on your policy for individual trips.
• Cancellation limit extension  – to increase the standard benefit limit provided under the Cancellation, Cutting short your trip and abandonment cover under the Delayed departure sections of your policy.
• Additional sports and leisure activities – to include cover while taking part in one of the listed higher risk sports and activities.
• Business cover  – to include additional cover for your business equipment and samples or for a colleague to replace you if you cannot continue your business trip.
• Golf cover  – to include additional cover for your golf equipment or loss of pre-paid green fees.
• Wedding cover  – to include additional cover for the wedding couple’s attire, rings, gifts and photographs / videos of the wedding.

The decision of when you should purchase your upgrade(s) is entirely up to you. You may want to hold off purchasing until you’re fully aware of you travel plans. This ensures you won’t be buying cover that you’ll not be needing immediately. Alternatively you may prefer to purchase in advance, to give you the flexibility of making last minute arrangements.

Purchasing is quick and easy using the Allianz Assistance Hub, which can be accessed through your mobile banking app or via Internet Banking. You can also contact our Membership Services team by phone or email using the details in your banking documents.  

Remember there may be purchase restrictions on some upgrades if you have already started your trip. Please refer to the Upgrades and endorsements section of your policy for more details.

Other FAQs about upgrades can be found in General FAQs .

It is crucial that you declare any pre-existing medical condition(s) of all people to be covered on the policy when:

• Opening your bank account.
• If there have been any changes in your health after making your declaration, including a change to any regularly prescribed medication (repeat prescriptions).
• You develop a medical condition before booking your trip.
• You develop a new medical condition before travelling on a trip already booked. ( Note: if you still wish to go on your trip and are not travelling against medical advice, your policy will continue to provide cover subject to the terms and conditions.)

You can make your declaration by applying for a medical upgrade and completing the medical screening process. This will involve answering a series of questions regarding the pre-existing medical condition. It is best to make your declaration using the Allianz Assistance Hub, which can be accessed through your mobile banking app or via Internet Banking. Alternatively you can contact our Membership Services team by phone using the details in your banking documents.  

Having made your declaration you will find out whether the pre-existing condition is:

• Automatically covered as a no screen pre-existing medical condition.
• Covered without an additional premium being required.
• Covered subject to an additional premium being paid.
• Excluded for claims relating to the pre-existing medical condition. 

Other FAQs about pre-existing medical conditions can be found in General FAQs .

General travel insurance FAQs

What is travel insurance.

• Travel insurance is an arrangement by which an insurer agrees to provide a guarantee of compensation for specified loss, damage, illness or death in return for payment of a premium. For your policy, this premium is part of the monthly fee collected by your account provider. Whilst travel insurance policies can’t cover every eventuality, it can help protect against certain risks for an agreed and affordable premium.
• It is also important to understand that travel insurance is only there to protect you against losses you can’t recover from anywhere else.   If your trip needs to be moved or cancelled, you should always ask your airline/tour provider for reimbursement before making a claim on your travel insurance policy. In most cases, your airline/tour operator will be responsible for refunding the value of the original trip. For example, if they are responsible for the cancellation or changes instead of you requesting it, their trading regulations will often require them to provide a refund. 

The level of insurance on our policies is appropriate for most travellers. Different policies provide varying levels of cover, therefore it’s important that you read your policy documents carefully and understand exactly what you’re covered for before you travel. If there’s anything in the policy documents that you’re not sure about, please get in touch – we’ll be happy to help.

Our policies offer protection for:  

• Cancellation or Cutting short your trip
• Emergency medical and associated expenses
• Loss of passport or driving licence
• Baggage / delayed baggage
• Personal money
• Personal accident 
• Missed departure
• Delayed departure
• Personal liability
• Legal advice and expenses
• Winter sports cover
• Terms and conditions apply.

Your base travel insurance cover is provided as part of your monthly fee collected by your bank account provider. You can find out the cost of the optional upgrades, or what extra premium (if any) is needed to cover any pre-existing medical conditions, by using the Allianz Assistance Hub (accessed through your Banking App or through Internet / Online Banking) or by calling Membership Services.

You should also be aware that any pre-existing medical conditions can affect the eligibility for cover on our policies. Refer to the 'Health declaration and health exclusions' section of your policy for more information.

You should re-familiarise yourself with your travel insurance when you're looking to book a trip. Remember that your travel insurance covers you for incidents that happen before you travel, as well as things that occur during your holiday. With cancellation cover, you’ll be reimbursed if you can’t travel due to sickness, for example. Your cover starts as soon as you book your trip, and we’ll pay up to the amount shown in your policy documents for unused accommodation, transport, excursions and other travel expenses you have paid or will have to pay, and that you cannot recover from anywhere else.

Terms and conditions apply. These can be viewed in the 'My policy' section of the Allianz Assistance Hub, accessed through your Banking App or through Internet / Online Banking.

Our policies include cover against the loss or theft of your passport or driving licence whilst on your trip. To claim for your passport , you must have an official letter from the consulate you reported the loss to. Cover includes costs up to the amount shown in your policyfor extra transport, accommodation and administration costs you have to pay to get a temporary passport so you can return home. It also includes the remaining value of the original passport that is lost or stolen (based on current standard replacement costs). Exclusions and conditions apply so make sure you read your policy document carefully.

Our policies include cover for personal money which includes cash. Receipts and evidence of account withdrawals confirming the amount of cash you had will be needed in the event of a claim. A lesser amount for personal money applies if you are under the age of 18. Full details are in the  policy wording .

What is the base travel insurance cover I get with my account?

Unless you have a Silver account (which limits travel to within Europe only) our policies automatically provide cover for travel to all worldwide destinations. 

Please note that you will not be covered if you travel to a country or region that Foreign, Commonwealth and Development Office (FCDO) has advised against all or all but essential travel. 

Many sports and leisure activities are covered on our base travel insurance policies at no additional premium. If you’re heading away and planning to take part in a sport or leisure activity that is not listed as covered on your policy, we may still be able to cover you. Take a look at the 'Additional sports and leisure activities' upgrade which can be purchased on the Allianz Assistance Hub (accessed through your Banking App or through Internet / Online Banking) or by calling Membership Services.

If you’re planning to take part in winter sports our base travel insurance provides cover for up to 31 days per trip (21 days for Silver Accounts). This will not only help protect you while you take part in these activities, but also provide cover against risks that are unique to this type of activity, such as unused ski-pack costs if you need to cancel or cut short your trip, delayed or damaged ski equipment and piste closures.

Silver Accounts will not provide cover for your partner or children, unless they are also an account holder. For other Accounts though, as long as you keep your bank account open, your spouse, partner or civil partner will also be eligible for cover. They must be under 70 years of age (or have purchased an age extension upgrade).

The dependent children of either one of you (or both) can also benefit from cover if they are aged under 18 (or under 23 if still in full-time education).

Please note while your eligible spouse, partner or civil partner is covered to travel independently of you as the account holder, your eligible children will need to travel with at least one of you (or another responsible adult authorised by you) in order to be covered.  

Yes, our policies allow cover for business trips and you can also purchase a business cover upgrade which will help cover your business equipment, so you may not need to take out separate laptop travel insurance. This upgrade also provides cover to send a replacement business colleague to complete your itinerary if you have to cut your journey short.

Business trips within the UK will require a minimum of two consecutive nights pre-booked accommodation for the trip to be covered. For more information on the cover, please refer to your policy. 

This is possible on all but the Silver Account. You can add up to six extra named guests to your insurance by purchasing the Guest upgrade.

This comes in handy if your child is over the maximum child age on the policy, or if you are travelling with a friend or family member that is not automatically eligible for cover.

You can easily arrange cover by purchasing the ‘Guest’ upgrade available on the Allianz Assistance Hub (accessed through your Banking App or through Internet / Online Banking) or calling Membership Services.

Am I eligible for the Allianz Assistance travel insurance?

If you or anyone else to be covered on your policy has a pre-existing medical condition, you should check the 'Health declaration and health exclusions' section of your policy, to make sure we are able to cover any related claims. It is likely you will have to tell us more details about the medical condition before we can confirm whether or not we can cover you and if you have to pay an extra premium.

Medical conditions can be declared on the Allianz Assistance Hub or by calling Membership Services. If we cannot cover the medical condition or you feel the extra premium is too high you may be able to obtain an alternative travel insurance policy from one of the providers featured in the MoneyHelper  directory  of specialist travel insurance providers for people with serious medical conditions.

Do take time to study and compare the terms and conditions to ensure you have the cover you need. To contact MoneyHelper for further details of the directory

Call:  0800 138 7777  (lines are open Monday to Friday, 8am to 6pm) or

Email:  [email protected]

Yes, all of our policies have a maximum age limit of 69 years. If the account holder is 70 years or older, we are unable to cover them or any non-account holders on the policy even if they fall below the age limit, unless they have purchased an age extension upgrade. Note: Non-account holders are not covered under the Silver Account policy.

If one of your children fall outside the maximum age allowed to be a dependent child on your policy, you could include them as a Guest traveller on your policy. You can do this by purchasing the ‘Guest’ upgrade through the Allianz Assistance Hub or by calling Membership Services. Guests will only be covered if travelling with the account holder for the duration of the trip.

Other people older than the maximum age limit may also be covered by purchasing the age extension upgrade or obtaining an alternative travel insurance policy from another provider. We suggest you get in touch with  The British Insurance Brokers Association   Tel: 0370 950 1790 (Lines open 9am – 5:30pm, Monday to Friday) for a quote.

It is always best to try to arrange any upgrade to your policy before you travel. Even though upgrades can be purchased while you are away, you’ll not be able to purchase the upgrade to add an additional person on to your policy, for the trip you are currently on. This cover will only apply to future trips taken during the year.

The same may apply to the trip extension upgrade, if you’ve already gone over the applicable trip limit.

How do I manage my travel insurance policy?

If you have any questions about your policy or cover, get in touch with our Membership Services Team who are available to answer any of your queries.

For further details

Visit: The Allianz Assistance Hub (accessed through your Banking App or Internet / Online Banking)

Email: [email protected]

Call : The Membership Services team between the hours of 8am – 8pm Monday to Friday, 9am - 5pm Saturday and 10am - 5pm Sunday and Bank Holidays.

Please note: We are unable to give you any advice on whether this product is suitable for your needs.

You can purchase upgrades to our policies either online or over the phone.

We accept Visa and MasterCard Debit and Credit Cards. For purchases made on the Allianz Assistance hub, we can also accept AMEX.

When you first open your bank account, you’ll receive a Welcome pack from the provider, containing details of your account terms and conditions. It will explain the extra benefits you receive as part of being an account holder. The full travel insurance policy wording are within this. Your bank account provider will keep you informed of any significant changes and supply new documents when needed. They should also be able to provide you with a physical copy of your base policy documents should you need one.

For your convenience, you can access your travel insurance policy documentation on the Allianz Assistance Hub, which can be accessed through your Banking App or Internet / Online Banking.

If you buy an upgrade to your policy, we will send you an email confirmation outlining the cover you have purchased. Details of the upgrade will also be stored under the 'Your upgrades' section of the Allianz Assistance Hub, so you will be able to print them if required. Having your policy documentation on your person when you travel isn’t essential, but it is useful in the event that something unexpected happens that you need to claim on. You can carry your policy documentation in paper (through printing at home) or electronic form (in an email or accessing through the Allianz Assistance Hub). 

If for any reason your policy upgrade cover does not meet your requirements and you wish to cancel it, please contact us within 14 days of the purchase date for a full refund of your premium. Refunds will not be provided if you have already travelled or have made a claim on your policy.

To get in touch with us:

Call: The Membership Services Team between the hours of 8am - 8pm Monday to Friday, 9am - 5pm Saturday and 10am - 5pm Sunday and Bank Holidays.

Yes, if you decide that your base travel insurance policy doesn’t meet your specific needs, you may want to increase cover by purchasing one of our upgrades. You can also make changes to upgrades you have already purchased.

We'll be happy to discuss the cover options to change / increase your travel insurance. Please note that you may have to pay an extra premium.

When you travel, it is important to know the details of your policy, in case something happens that requires you to make a claim.

Cancellation cover begins either on the date you open your bank account, or the date you booked your trip, whichever is later. Cancellation cover then ends at the beginning of that trip. 

All other aspects of cover begin on the day you start your trip, and end on the final day of your trip.

If you cannot finish your trip as planned due to a reason covered by your policy, such as injury, illness or delays to public transport systems, cover on the policy will automatically extend until you are able to finish the trip. Otherwise all cover ends at the the maximum trip limit shown on your policy (or the upgraded trip limit you may have paid for).

No, there is no need to let us know every time you travel with this policy.

However, if you have any questions or want to know more about your travel insurance or what you are covered for, do not hesitate to contact us.

What if I need to make a claim?

If you need to make a claim on your travel insurance policy, you can either complete a claims form online, write to us or call the Claims team.

The quickest and easist way is to complete the claim online by visiting the Allianz Assistance Hub (accessed through your Banking App or Internet / Online Banking). There, you'll be able to upload the documents we'll need to assess your claim and also keep track on the progress of your claim. Be sure to read and check all of the information carefully to prevent delays. Alternatively you can:

Call: The Claims Team between the hours of 8am - 8pm Monday to Friday and 9am - 5pm Saturday 

E-mail: [email protected]

Should something happen that involves a medical emergency whilst you are away, our medical emergency team is available 24 hours a day to help.

You can reach them by calling the 24-hr emergency medical assistance helpline number shown in your policy or email them at [email protected]

The contact details can also be found in the 'Help and advice' section of the Allianz Assistance Hub (accessed through your Banking App or Internet / Online Banking)

In a life or death situation, call the emergency services in the country you are visiting. For example, 112 within the European Union or 911 in the USA.

Before you travel, look on the GOV.UK website for more information about local authorities and who to call should you find yourself in an emergency situation.  Please visit the Foreign, Commonwealth and Development Office  (FCDO)  site for travel advice.

We have made this easy for you! All the contact numbers that you might need are listed at the front of your policy document.

You can also find all of our contact details under the 'Help and advice' section of the Allianz Assistance Hub (accessed through your Banking App or Internet / Online Banking).

There is an excess payment for some sections of your travel insurance policy. This means that you will be responsible for the first part of your claim for each insured person making a claim for each claim incident, for each section. The excess does not apply to dependent children insured on the policy under the Cancellation, Cutting short your trip and abandonment cover under the Departure delay section where they are travelling with an account holder.

You will find full details in your policy wording.

Yes, we will still consider claims without receipts. However, please be aware that you will still be asked to provide alternative proof of ownership for the lost or stolen items.

We completely understand that you may not have kept receipts for each and every item that you took on holiday with you, but we do expect you to be able to provide some evidence of ownership for most things you are claiming on, particularly expensive items.

Some forms of evidence you can provide include photographic evidence in conjunction with

• Warranty cards
• Bank or credit card statements 

Claims for items where you are unable to provide the original purchase receipt will be subject to a deduction for wear and tear, even if they are under two years old.

It is crucial that all the information you provide us with us up to date and accurate to the best of your knowledge. Ultimately, it is your responsibility to ensure the information you have given us is correct and to let us know if your circumstances have changed in a way that would affect your travel insurance policy.

If you provide us with incorrect information, it could invalidate your insurance claim and result in us declining to pay a claim. You can change and update your information with us free of charge, but certain changes to circumstances may affect your policy premium.

If you have any questions about your circumstances or want to update or change any information you gave us, you can visit the Allianz Assistance Hub (accessed through your Banking App or Internet / Online Banking) or call Membership Services.

COVID-19 FAQs

While travel has returned to normal following the COVID-19 situation, risks of new variants of the virus still exist which could cause a big impact on travel at the moment. Keeping up with the frequent changes can be overwhelming and confusing, which is why we’ve tried to clear up as much as possible and answer the most important questions below.

Useful websites:

FCDO general foreign travel advice:  Country by country advice

NHS COVID-19 information:  Coronavirus (COVID-19) - NHS (www.nhs.uk)

UK Government travel rules during COVID: 

• Guidance for travel to and from  England
• Guidance for travel to and from  Wales
• Guidance for travel to and from  Scotland
• Guidance for travel to and from  Northern Ireland

Rapid lateral flow test kits: Check if you are eligible to order a free pack

The UK government provides guidance on travel from any countries to the UK. Y ou’ll need to follow when returning to the UK and once you arrive back in the UK.

Other countries also have their own COVID-19 rules. Before you travel you should check the 'Entry requirements' section of the  FCDO foreign travel advice for all countries you will visit or travel through.

You should still check and follow the latest information on the Government guidance websites of the countries you are planning to travel to.

The travel insurance cover included with your account also remains dependent on following the travel advice from the Foreign, Commonwealth and Development Office. You acn access this advice here:  FCDO  – make sure you read the policy documents carefully so that you fully understand what is covered. It is important to understand that for your cover to be valid, you must travel directly to or via another destination that is not subject to FCDO advice against all or all but essential travel. In certain circumstances cover may be considered where all but essential travel restrictions are in place (see below).

Where the FCDO advise against all travel

If you travel through or make a stopover in a destination that the FCDO is advising against visiting, the travel insurance policy will not provide cover for any part of your trip.

Where the FCDO advise against all but essential travel

If you travel to a destination where the FCDO has advised against all but essential travel and need to make a claim, you’ll need to provide Allianz Assistance with documentation that shows you are travelling for a permitted and essential reason before they can consider your claim.

Please keep up to date with the FCDO advice when booking and travelling and contact Allianz Assistance if you have any questions or concerns.

Some policies can have varying levels of cover depending on the bank account you hold. With all of the travel insurance policies which come with our added value accounts / packaged bank accounts, changes in Foreign, Commonwealth and Development Office (FCDO) travel advice and government-imposed restrictions including quarantine/lockdown of a geographical area, are not covered events. However, there are specific exceptions to the general exclusion against claims arising from or relating to a pandemic or epidemic. This means that there’s cover in line with the terms and conditions under the travel insurance policy if someone covered under the policy:

• Contracts COVID-19 whilst abroad and needs medical treatment, or has to return home early as a result of their condition.
• Contracts COVID-19 or is required to quarantine abroad following virus exposure and needs to extend their trip. The insurer will cover the cost of additional accommodation and transport until it's safe  to return home.
• Or their travel companion, develop symptoms and are advised against travel by their GP, tests positive for COVID-19 or are asked to self-isolate by the NHS and have to cancel the trip. Please note that this applies to isolation in individual circumstances only; there's no cover if you can’t travel due to a local or national lockdown.
• Is denied boarding on pre-booked public transport because they or their travel companion are showing signs of COVID-19 and are unable to travel as a result.
• Needs to cancel or cut short the trip because a close relative of theirs or of their travel companion becomes seriously ill with a pandemic/epidemic illness.

Please note : For claims relating to being tested as positive for COVID-19, evidence will need to be provided in the form of a positive PCR test or a specific medical certificate from a doctor. Positive lateral flow tests are not sufficient.

According to the Foreign, Commonwealth and Development Office (FCDO) , you can visit most countries regardless of whether you have been vaccinated or not. However, there are some countries that will not allow travellers to enter unless they can prove that they’ve received all their appropriate COVID-19 vaccinations.

When you’re booking a trip, make sure you check the entry requirements  for your destination and prepare any documents of proof before you go. If you are denied entry into your country of destination because you have failed to meet the entry requirements, there's no cover under the travel insurance policy for any financial losses or unexpected additional costs. 

You would need to contact the airline and/or travel provider to discuss your options for amending or cancelling your trip. Your travel insurance policy won’t cover you for cancellation if you’re unable to travel to your destination due to a change in FCDO or general government advice owing to an epidemic or pandemic.

However, there are other ways in which you might be protected against financial losses in these circumstances.

Many travel providers will let customers cancel or alter their booking free of charge if the FCDO is advising against travel to the destination, especially if it is a package booking and the travel provider is ATOL or ABTA protected. Costs over £100 that are not recoverable from your airline and/or travel provider may be recoverable from your credit card company if your credit card was used to make the purchase. You may also have buyer protection if payments were made through PayPal. 

As long as you haven’t travelled against FCDO advice , claims can be considered under the medical expenses section of the travel insurance policy for expenses incurred from receiving medical treatment.

The insurer will also consider claims for the cost of necessary extra accommodation, if you have to quarantine during your trip because you have contracted COVID-19 or been exposed to a similar contagious disease.

In both instances, if you contract COVID-19 during travel, follow any advice given by the local authorities and contact your travel provider to notify them as soon as possible. If you are suffering with COVID-19 abroad, please contact the Allianz Assistance 24-hour emergency medical assistance line for advice and support with your arrangements.

Please note there is no cover under the travel policy for any amount recoverable from any other source such as your airline or your accommodation provider. 

The travel insurance policy wouldn’t cover any unexpected additional travel or accommodation costs if you are prevented from travelling as a result of failing to produce a valid COVID-19 vaccine passport or meet any other entry requirements needed for your trip. This is because failure to comply with entry requirements for any country is not a covered event.

If you aren’t able to obtain COVID-19 vaccine passports or any other documentation in time for your original return travel, you should get in contact with your travel provider to make alternative arrangements. 

As long as no FCDO advice  against travel to your destination is already in place and you’re able to provide evidence of a positive PCR test or a medical certificate completed by your GP confirming your diagnosis and declaring you unfit to travel, you can claim for cancellation costs in line with the terms and conditions of your travel insurance policy. Lateral flow tests are not sufficient evidence.

Please note there is no cover for any amount recoverable from any other source such as your airline or your accommodation provider.

As long as no FCDO advice  against travel to your destination is given at the time of departure and the government at your destination also allow you to travel, there'll be cover under the travel insurance policy in line with the terms and conditions.

We suggest you check that your travel provider can still provide the transport and accommodation you have booked, since changes to these arrangements are not covered by the travel insurance policy. You should also be aware that any additional costs relating to or caused by these entry requirements (such as compulsory quarantine) will not be covered.      

Brexit FAQs

The transition period for the UK leaving the European Union (EU) came to an end on 1 st January 2021.

Understanding how this change impacts travel and driving abroad can be tricky. That’s why we’ve tried to clear up as much as possible and answer the most important questions below. 

What can I expect to change whilst travelling in the EU post-Brexit?

Your European Health Insurance Card (EHIC) will still be valid within the EU, entitling you to essential medical treatment at state-run hospitals and GP’s until it expires. Once your EHIC expires, you’ll be able to replace it with a Global Health Insurance Card (GHIC) free of charge.

Whilst your EHIC/GHIC will take care of your medical treatment costs in some circumstances, it’s still important to take out a suitable travel insurance policy, as your EHIC won’t cover you for every circumstance, including trip cancellation, stolen belongings, private medical treatment and any additional costs to return you to the UK. It also won’t provide cover for treatment at private medical facilities, even if no public facilities are available locally.

The GHIC is the new scheme that was launched by the government to replace the previous EHIC scheme. It offers the same protection as the EHIC and you won’t need to apply for one until your existing EHIC expires.

Both your EHIC and GHIC enable you to access free or reduced * state-provided medical treatment and healthcare, should you need it whilst travelling in the EU. This includes treatment for a pre-existing medical condition. It’s important to be aware that neither the EHIC nor GHIC provide cover in Iceland, Liechtenstein, Norway and Switzerland, even though these countries used to provide reciprocal healthcare arrangements to travellers from the UK. However, you can still receive state-provided healthcare in Norway if you show your UK passport to the medical facility.

* Different countries have different healthcare systems and may not include everything that you might receive free on the NHS. Your GHIC entitles you to the same treatment, at the same cost, as a patient from that country. You can find out more here .

If you’re travelling for leisure, you won’t need a visa for trips to most countries within the EU, Iceland, Liechtenstein, Norway and Switzerland, unless your travel exceeds the limit of 90 days in any 180-day period. If you travel to Bulgaria, Croatia, Cyprus or Romania, your visits to other EU countries won’t count towards the 90-day total.

If your travel exceeds this time limit, is for work or study or a business trip, you may need a permit or visa. You can check the relevant information for each country here .

We’d strongly advise you to allow yourself more time at the airport, train terminal or ferry port when travelling to the EU post-Brexit. This is because you won’t be able to use the EU fast-track queue at passport control.

You may also be required to show your onward/return ticket and/or prove that you have enough money to cover your stay. It’s important to remember that if you miss your flight (or equivalent) due to long queues inside or on the way to the airport (or equivalent), you won’t be covered for any resulting additional costs under your travel insurance policy. 

The UK no longer participates in the Erasmus scheme, meaning that studying in Europe may look different. If you’re already studying in the EU, you’ll still be treated the same as students from that country and continue to receive the same financial support as other EU students.

However, if you’ve not yet started your studies, you’ll need to make sure that you meet the visa requirements for the country you’re studying in. Also, check with the EU university you’re attending to make sure that your arrangements haven’t changed. 

You can still travel to the EU for business, but you may need to meet some additional entry requirements such as arranging a visa or work permit, depending on your reason for travel and length of stay.

You can check the requirements here , as well as additional information on how to check if your professional qualifications are recognised in the EU and whether you’ll need to let HMRC know that you’ll be earning money in the EU. 

Not all of the new rules will apply if you’re visiting Ireland, but it’s important to understand which ones do:

You need to:

• Make sure your pet has an Animal Health Certificate (AHC) if travelling to Ireland with you.
• Take out a suitable travel insurance policy for your trip. Although UK citizens visiting Ireland are entitled to medically necessary healthcare, this wouldn’t cover you for any other unexpected additional costs such as stolen belongings or repatriation.

You don’t need to:

• Renew your passport before travelling to Ireland if it is over 10 years old and/or expires within the next six months.
• Arrange a visa or permit to live, work or study in Ireland.

How will Brexit impact my Allianz Assistance travel insurance policy?

You’ll need to declare your pre-existing medical condition, so that we can let you know whether our travel insurance product can cover it. Your EHIC/GHIC will entitle you to medical treatment and care whilst travelling in the EU, but not private treatment or for other unexpected additional costs such as repatriation, so it is important to make sure that you have suitable cover for your needs.

If you have already declared a pre-existing medical condition with us that we’ve agreed to cover, you’ll still be covered in line with the policy terms and conditions. 

How will Brexit impact me if I want to drive within the EU?

A green card is a document which proves that you have the car insurance required for the country you’re driving in. All UK car insurance policies provide the minimum third party cover to drive in the EU.

Before your trip, you’ll need to contact your car insurance provider to ask for a green card for your car. You should allow plenty of time for this, as it can take up to six weeks to reach you in the post.

No – if your number plate displays a GB with an EU flag or the English, Scottish or Welsh flag, there’s no need to change it, but you will need to display an additional GB sticker to drive within the EU.

If your number plate has a GB displayed on its own or with a union flag, you won’t need an additional sticker for most countries. However, if you’re driving in Cyprus, Malta or Spain you’ll need a GB sticker regardless of the symbol on your number plate.

If you own the car you’re driving, you’ll need to carry your V5C log book when driving within the EU. If you’re taking a leased or hire car from the UK to the EU, you’ll need to get a VE103 form to prove that you have permission to take the car outside the UK.

You should also carry your driving licence and, in some cases, an International Driving Permit (IDP). This depends on which country you’re going to and how long you stay there. You might also need an IDP if you have a paper driving licence, or a driving licence issued in Gibraltar, Guernsey, Jersey or the Isle of Man.

You can find out more and check which documents you’ll need to carry for your trip here .

If you’re driving abroad and towing a trailer or caravan, you should check the latest Government rules to see that your license allows this. Trailers and caravans will need their own GB sticker and you’ll need to take an additional green card with you. You should contact your car insurance provider at least six weeks before you set off, to make sure you receive your green card in time for your trip.

You may also need to register the trailer/caravan with the DVLA so it can be issued with a separate registration number needed to take it outside the UK. You can check whether your trailer or caravan needs to be registered here . 

Travel Insurance

More coverage in more places ®.

Get out there and enjoy yourself knowing you have the right coverage and 24/7 access to a caring team who’s always on call—no matter how big or how small the emergency.

More Coverage In More Places™

• Coverage Types
• Submit Claim

Explore Your Coverage Options

Travel packages.

Coverage for the widest range of unexpected travel situations.

Travel Medical

Coverage to fill the gap left by my provincial health insurance.

Cancellation & Interruption

Coverage for non-refundable and/or non-transferable trip expenses if my trip is cancelled or interrupted.

Visitors to Canada

When visiting, immigrating to or studying in Canada and need emergency medical coverage.

Travel Insurance Advice by Trip Type

Choose from the topics below for some quick advice on the type of coverage that may be right for you:

Travel Insurance FAQs

Have a question about travel insurance? Get the answers you need here.

For questions about travel and COVID-19, please visit the COVID-19 page.

• Eligibility
• Emergencies

Our goal is to make affordable travel insurance coverage available to as many Canadians as possible. In general, any Canadian resident can purchase some form of coverage with us. Factors such as where you are travelling, your health and the length of your trip may affect the specific coverage(s) available to you.

Note : Non-residents travelling to Canada, immigrants to Canada or foreign students studying in Canada may be eligible to purchase one of our Visitors to Canada Plans.

Generally speaking, no. While your age can affect your eligibility for certain coverages, we have packages and plans that cover all age groups. If you are age 65 or older, we may ask you to answer a few questions about your health to make sure you have the most appropriate coverage.

Yes, you may purchase a policy for your parents. Simply call us at 1-866-896-8172 , buy online , or visit an RBC Insurance Store . Depending on their age, they may be required to complete health questions in order to obtain coverage. If this is not a requirement, please keep in mind that all terms and conditions apply to your parents, therefore we recommend that you review the insurance with them prior to purchase.

Possibly. Depending on your age, medical condition and, if applicable, your answers to our health questions, pre-existing medical conditions are covered if they are stable for a certain time period (as specified in your policy) before your policy's effective date.

Note: Please refer to the policy document for complete coverage details regarding pre-existing conditions.

Your answers to the health questions (if applicable) will be used to help determine the benefits you are eligible to receive under your insurance policy.

When answering the health questions:

• Take your time. The questions may take up to 10 minutes to complete.
• You (the applicant) should complete and sign the Medical Questionnaire. (If you have someone else complete the Medical Questionnaire on your behalf, it is still your responsibility to make sure the answers to the questions are correct.)
• Read and answer each question carefully and accurately. Review your answers to confirm they are correct. Incorrect answers may lead to your coverage being voided or your claim denied.
• Have your prescriptions or a description of your medications nearby for reference.
• If you are unsure about any questions regarding your medical condition or medications, please speak to your physician.

If necessary, a family member or close friend can complete the questions on your behalf. Please keep in mind, however, that it is still your responsibility to sign the form and make sure the answers are correct.

Yes, it is recommended that you buy coverage for your spouse as well.

This answer depends largely on your child's age.

• If your child is under 2 years old and you are purchasing the Deluxe Package or a TravelCare ® Package, then your child receives emergency medical coverage at no extra cost.
• If your child is 2 or older , you'll need to purchase emergency medical coverage for him or her.
• No matter how old your child is , if you've purchased an airline ticket or made a separate trip deposit for him or her, consider buying a travel insurance package or trip cancellation and interruption insurance .

The right coverage for your trip depends on several factors, including (but not limited to) where you're travelling to, how long you’ll be gone, the kind of transportation you'll be using and, in some instances, your overall health. View all of our travel insurance products now.

An accident, illness or medical emergency can happen anywhere, anytime. If you need medical care or treatment in another country, your government health plan may cover only a portion of the costs. Travel insurance starts where these plans leave off.

Plus, with our emergency medical coverage, you have access to the multilingual representatives of Allianz Global Assistance.

Yes, if you are travelling outside your home province or territory. There are several reasons why it's important to get travel medical insurance when you're travelling within Canada. One reason is that accidents can happen anywhere. Another is that government health insurance plans do have limits on reimbursement of emergency medical expenses incurred while you are in another province. For example, the ambulance, emergency dental treatment and prescription drugs might not be covered by some government health insurance plans.

You may extend your coverage if you extend your trip, subject to certain conditions of your policy.

If you've purchased a single trip plan, the following conditions apply:

• If you have not had a medical condition during your trip or while covered under your policy, you can request an extension by contacting us at 1-866-896-8172 before your original policy’s expiry date.
• If you have had a medical condition during your trip and while covered under your policy, you must request the extension by contacting Allianz Global Assistance before the expiry date of your original policy. Your extension is subject to the approval of Allianz Global Assistance.
• You must pay the required additional premium before your original policy’s expiry date.
• If we are unable to extend your particular policy's coverage due to the trip duration limits of your policy, you may be able to purchase a new policy from us.

If you've purchased a multi-trip annual plan, the following conditions apply:

You may purchase a top-up policy for the additional number of days beyond the duration covered by your multi-trip annual plan as follows:

• Before your effective date, you may contact us at 1-866-896-8172 to purchase top-up coverage.
• After your effective date and if you have not had a medical condition during your trip, you must contact us at 1-866-896-8172 before your original policy’s expiry date to purchase top-up coverage.
• After your effective date and if you have had a medical condition during your trip, you must contact Allianz Global Assistance before your original policy’s expiry date to request approval for and to purchase top-up coverage.
• The terms, conditions and exclusions of the new top-up policy apply to you.
• You must pay the required top-up premium on or before the effective date of the top-up period.

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. If the top-up policy you are purchasing requires you to complete health questions, you must complete the health questions.

Please see the policy documents for complete coverage details regarding trip extensions.

It may, but not always. We recommend that you carefully review the travel insurance coverage provided by your credit card, as well as any special conditions or stipulations.

Do you have an RBC Royal Bank ® credit card?

To review the travel insurance coverage that comes with your RBC Royal Bank credit card, visit: www.rbcroyalbank.com/cards/documentation/index.html and click the "Insurance Certificate" link for your card.

We recommend that you carefully review your government health plan coverage. Government 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 (Foreign Affairs, Trade and Development Canada) urges Canadians to purchase supplemental health insurance when leaving the country. They say:

Do not rely on your provincial or territorial health plan to cover costs if you get sick or are injured while abroad. Out-of-country health care can be costly, and your health plan may not cover any medical expenses abroad. It is your responsibility to seek information from your provincial or territorial health authority and to obtain supplementary travel insurance and understand the terms of your policy. 2

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

Unlike government health insurance plans, our insurance offers you:

• Unlimited coverage for eligible medical expenses 1
• 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.

Yes, you do need travel insurance to protect yourself against the unexpected, even if you are going to the United States for a few days. An illness or accident can happen at any time, whether you're on the road for a few days, or a few months. And remember, the cost of health care is very expensive in the United States and very little of this cost would be covered by your government health insurance plan, credit card or company benefits plan. For a short trip, the cost of travel insurance is minimal, and it gives you the protection you need.

If you purchase trip cancellation and interruption insurance, it will help pay for your expenses to return home in the event of a covered emergency. There are a number of circumstances that qualify as an emergency (for example, the death or serious illness of a family member). The cost of cancelling a trip prior to departure can be very expensive, as most trips are non-refundable and/or non-transferable, especially if you have to cancel just before leaving on your trip. Having to return early from a trip can also be very expensive. Either way, trip cancellation and interruption insurance is very important to protect your travel investment.

You must purchase coverage before departing on your trip. You may benefit from purchasing coverage as soon as you make your initial trip deposit, especially if you are purchasing trip cancellation and interruption insurance —either as stand-alone coverage or as part of one of our insurance packages .

If you were to book your trip 6 months in advance, consider the unexpected situations that could occur in that time.

If you purchase travel insurance from RBC Insurance, we will pay the eligible bills directly to the hospital or physician whenever possible.

There are a number of sports that are not covered during your trip. For more details, see the Exclusions section of the individual policy document.

You may purchase a top-up policy for the extra number of days beyond the duration covered by your multi-trip annual plan. Here are the conditions:

• After your effective date and if you have had a medical condition during your trip, you must contact Allianz Global Assistance before your original policy’s expiry date to request approval for and purchase top-up coverage.

Please see the policy document for complete coverage details regarding top-up coverage.

If you purchase one of our travel medical insurance plans—either Classic Medical or TravelCare ® Medical—you can, subject to certain conditions:

• If you are travelling for more than 183 days, you may purchase single trip coverage for up to 365 days provided that you are covered under your government health plan for the full duration of your trip.
• If you are 40-74 years of age , you must also answer a few health questions, which will determine whether you are eligible to purchase coverage for trips beyond 183 days.

Yes, if you are travelling with your spouse/partner and children or other family members, you could save money with our family plan pricing.

The cost of a trip can be a significant financial investment. A lot can also happen in the time between booking your trip and departing—if a medical emergency or other unexpected event prevents you from going on your trip, you could potentially lose some (or possibly all) of the money you paid.

With trip cancellation and interruption insurance, you're protected when certain situations prevent you from travelling as planned. Examples include:

• You can't travel due to an illness, job loss or immediate family member's medical emergency
• You need to return home earlier than scheduled because of a family emergency or medical condition

Note : We strongly recommend that you purchase trip cancellation and interruption insurance at the time you pay your initial travel deposit. Please see the policy document for complete coverage details, including terms and conditions.

Yes! Tell them about our Visitors to Canada Plans , which offer affordable emergency medical protection to visitors, immigrants, foreign students and Canadians without government health plan coverage.

We strongly recommend you do. Your insurance policy is a valuable source of information and contains provisions that may limit or exclude coverage. Please read it before you go, keep it in a safe place and carry it with you when you travel.

RBC Insurance has appointed AZGA Service Canada Inc. (operating as “Allianz Global Assistance”) as the provider of all assistance and claims.

Whether you have a new claim or questions about an existing claim, representatives will work with you to make things as easy as possible. Visit the Travel Insurance Claims page for more details about how to submit a claim.

It's our goal to settle every claim as quickly as possible. While every claim is different, there are things you can do to speed things up:

• If you require emergency care on your trip , call our emergency contact number immediately, or at the earliest possible opportunity (someone else can call if you're unable to). If you do not, your coverage may be limited and your benefits could be reduced.
• If you need to cancel your trip prior to departing , call your travel agency, airline, tour company or the carrier immediately to cancel your trip no later than one business day after the cause of cancellation. Call Allianz Global Assistance the same day.
• For all claims , carefully read the instructions for submitting your claim. Make sure you fully complete any required claims forms and submit all required documentation at your earliest possible convenience. For example, you may need to provide information on your past health history if you are submitting an emergency medical claim or a trip cancellation claim due to a medical condition.

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. Visit the Travel Insurance Claims page for more details about how to submit a claim.

No matter where in the world you are, we’ll be here for you. If you have an emergency, you can call Allianz Global Assistance toll-free 24 hours a day, 7 days a week at 1-855-947-1581 from the U.S. and Canada or (905) 816-2561 collect from anywhere in the world . Or as an alternative, you can email Allianz Global Assistance at: [email protected] . Disclaimer 3

The multilingual representatives of Allianz Global Assistance are ready 24 hours a day, seven days a week when you have a medical emergency. You can rely on them to refer you or (when medically appropriate) transfer you to one of the accredited medical service providers within the Allianz Global Assistance network, so you can receive the care you need as quickly as possible.

Because the representatives are multilingual and have 24-hour access to real-time translation services, they can provide the help you need in your own language—and also have someone to communicate on your behalf with medical personnel who may speak a different language.

Whenever possible, Allianz Global Assistance will also request for the medical service provider within the network to bill the covered medical expenses directly to us instead of you—reducing stress and hassle.

Yes, as soon as medically possible. There are several reasons to call the emergency contact number first:

The multilingual representatives of Allianz Global Assistance are experienced experts in coordinating emergency care for travellers in foreign lands.

They're available 24 hours a day, seven days a week.

If you don't call Allianz Global Assistance first, your benefits may be reduced and your coverage may be limited. As stated in your policy, if you do not contact Allianz Global Assistance at the time of your medical emergency or you choose to receive treatment from a medical service provider outside the Allianz Global Assistance network, you will be responsible for 30% of your medical expenses covered under your insurance and in excess of your medical expenses paid by your government health plan.

You can call Allianz Global Assistance toll-free 24 hours a day, 7 days a week at 1-855-947-1581 from the U.S. and Canada or (905) 816-2561 collect from anywhere in the world.

Of course, obtaining urgent care in an emergency is your #1 priority—and our representatives are here to help at our toll-free emergency contact number. However, if your medical condition Opens in new window prevents you from calling before seeking emergency treatment, then you must call as soon as medically possible.

Someone else (a family member, friend, hospital or physician's office staff, etc.) may call on your behalf–so it's a very good idea to carry your RBC Insurance travel insurance wallet card with you at all times.

They may call Allianz Global Assistance toll-free 24 hours a day, 7 days a week at 1-855-947-1581 from the U.S. and Canada or (905) 816-2561 collect from anywhere in the world.

Or as an alternative, they can email3 Allianz Global Assistance at: [email protected] .

We will pay your eligible medical bills directly to the medical provider or hospital for you whenever possible.

Travel together. Save together.

Travelling with a group of 10 or more? Save with a group discount and enjoy all the benefits of RBC ® Travel Insurance.

Reasons to Love RBC Travel Insurance

Coverage available for all ages.

If you are travelling with your spouse/partner and children or other family members, you could save money with our family plan pricing.

Simplified Medical Questionnaire

Age 65 or over? Buying travel insurance is faster than ever – no long, complicated medical questionnaires.

Variety of Coverages

Whether you’re going on an overseas adventure, or a quick jaunt to another province or state for the weekend, a variety of packages and plans are available to cover your travels.

24/7 Worldwide Emergency Medical Assistance

Experienced staff at the 24/7 assistance centre will provide:

• Caring, multilingual support
• Help finding local medical care
• Access to emergency air ambulances
• Access to expert medical professionals who will monitor your care
• Help with transportation to the nearest medical facility

For emergency medical and travel assistance

• See Emergency Contact Details

For questions about travel insurance or claims

• Speak to a Travel Advisor at 1-888-896-8172
• Get a Quote

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Latest Reviews

“never go with this insurance company ”.

written by Logdgdzd05 on 29/03/2023

They will do everything in their power to make sure they don’t have to pay you out the full money for the job! They are not there to help they are there to make Everything as difficult as possible! They don’t take In to consideration of you have kids and how much stress they put You under! They have one contractor they can use that are so Busy they can’t actually do the work for you! When you find someone in the trade to fix the problem for you They tell you it’s too expensive but don’t give you alternative! I was offered a shower pod for garden that faces onto flats! I can have a shower in a hotel yet I don’t drive and have 2 young kids!

“Absolutely terrible ”

written by Doctor2022 on 20/11/2022

We took the RBS annual travel insurance with our black account. Our daughter needed an emergency appendectomy in Bali. The emergency surgery was delayed due to the underwriter assigned by the RBS insurance having gone into liquidation without the RBS insurance being aware! Resulting in the insurance company not paying out. We were forced to pay for the surgery ourselves and all of the necessary related expenses. This was in early September and we still have had no refund, or apology, the correspondence has been disgustingly poor. We have spent hours on the telephone trying to speak to a member of the team but the general waiting time is 40 minutes! with no answers! We would definitely not recommend you take this insurance out if you wish to protect a loved one whilst travelling. Dr & Nurse Parents

“Claims service was terrible”

written by on 26/09/2020

Looks like they have outsourced claims processing (at least for stolen bikes) to an outfit called Direct Validation Services. Tried to call DVS several times and after 20-30 mins on the line didn't get through. Arranged two call back appointments - DVS didn't not contact me at either time. Eventually got through at 1 minute after opening time on a Saturday, spoke to two different people during the course of the call and the tone of each person was openly hostile. Will now be looking for a new insurer. Do wonder whether RBS realise how bad the customer experience is (or perhaps they no longer care)

“DISGRACEFUL DO NOT PLEASE USE THIS COMPANY”

written by carolynemableson on 01/12/2017

We had the premier cover when we were flooded with an underground pipe over Xmas. We were treat absolutely disgraceful, everything was challenged in a very, very rude manner. We had no power whatsoever for 5 days over xmas, no offer of alternate accommodation even though it was supposedly included. Would take pages to include all the complaints we had. But in a nutshell AVOID THIS COMPANY.

“Complete Nightmare”

written by Delaneybl115 on 03/11/2017

I have never come across such a poor insurance company , Cunnigham Lindsay had been appointed by RBS after my In laws had a roof collapse . They had been insured for 25 years without a claim , a year later still not settled . I will never use RBS again

“Don't trust RBS Elite Insurance.”

written by Skyla124 on 28/06/2017

One clain in over 20 years with RBS Elite Home Insurance, a leak in the bathroom, extensive damage! New Bath, flooring, and other work. Tried to get me to take a cash settlement of £840, less excess of £350 = £490 to do a bathroom. What a joke. Suffice to say I am no longer with RBS!

“Dire service!!!! Called first thing in morning to get...”

written by nuSelf346 on 22/08/2016

Dire service!!!! Called first thing in morning to get help as water was flooding in through roof...RBS insurance called back at 4.50pm to say they could not help due to my location, and to get my own tradesman. I live on the mainland and was never told when I took the policy out 12 years ago that my location could be a problem. Quick to take policy payments but no help when really needed....have NEVER claimed before AND WILL BE CANCELLING POLICY ASAP.

“RBS thhe worst attitude towords customer I have ever come”

written by DayanaPhillips66 on 21/02/2015

Happy to take our monthly payments. But when it comes to making a claim they simply are not interesrted. Their assessment process is long winded and time consuming and they really dont want to play ball when it comes to making a full and fair payment. RBS are a terrible company with a terrible attitude. Unwilling to listen to your point of view and treat you as if you are stupid. At times when trying to make a claim on our my insurace due to contents of our home being stolen it has felt as if Im doing all the work and they are doing nothing as if Im working for RBS. I would not recommend Royal Bank of Scotland (RBS) to anyone, particulary poor customer service and no regard for people going through a very diffcult time having had their home broken into a items stolen. At times it has felt as is they just don't beleive me with the under tone that makes the suggestion that im a criminal.

“Elusive !”

written by on 12/08/2014

I changed my buildings cover to RBS after years of being with L&G , what a mistake , months later what I percieve is a simple claim is still not resolved. It is impossible to get through on the phone , then the admin team have the audacity to write and say that they have not been able to contact me by phone !! When I did get to talk to someone "the floods" are still being blamed for the back log. When the phone line rings it clears before it gets answered. The rep in branch is quick to sell you the policy but in branch they don't want to help when you can't make contact - lesson learnt , stick with what you know !

“Mis sold and hs takien 4 months to claim, and still...”

written by 480Duckworth on 26/04/2014

I asked for a rental flat insurance, they sold me the wrong one and reassured me it was right. Then when I claimed after many months they agreed they had missold. The repair cost was agreed, and it is now two months I am still waiting for the payment of the agreed sum to be sent to me. The call centre is one of the worsr, it always claims they are so busy and put you on hold for average of 70 minutes playing music. I have tried it all times between 9 am and 5 pm, it is the same delay. At the moment I am listening to music for the last 32 minutes and typing this while waiting.

“Totally useless if you have a claim.”

written by Disillusionedohyeah on 14/03/2014

I put in a claim at the end of January. They apparently didn't receive the invoice so faxed a copy and have since then spent hours on hold on the phone (countless lunch hours) and can't even get to speak to someone due to a high volume of calls. Downside to cordless phones you can only be on hold for so long before they go flat!! - back to square one!!! next week is going to consist of sitting in the bank managers office and writing to newspapers. Totally understand they busy with below the border flooding but there are a lot of unemployed people that 'own' RBS that they could take on for a few months to clear the backlog!! will not recommend to anyone unless I really dislike them!!

“RBS Worst Home Insurance Ever”

written by Laci413 on 11/03/2014

After my pursuaded me to take out home insurance with them i said one of the most important things is that i have good cover on computers, laptops and PDA`s as everyone in my house has them, they said they only cover upto £750 so i would have to pay extra to raise my protection to £3000, I said i was happy to do this and that it would cover accidental damage and breakdown, well unfortunately one laptop died and they replaced it, but a second one died and they took this one away and sent it to an expert company called (Direct Validation Services), there report was outstanding for a company who where experts, they said to the insurance "we dont know whats wrong with it" So the insurance refused to replace or repair it and now am left with a laptop which was covered by paying extra which is useless. There customer service is absolute below poor it takes them 45 minuites to answer the phone, they do a calll back service to which they called me back three times and only rang once therefore costing me a fortune to call them again and again waiting for 45 minuites or more each time. RBS Insurance ?, RBS Rip Off More Like It.

“first claim disaster”

written by seasidesuzy on 27/02/2014

Almost 12 years ago I was persuaded by my friendly RBS manager to change from my home insurance company (from whom I had never claimed & had 70% no claim discount) to the RBS with the promise of a much better deal & service). I changed to RBS home & contents policy and bitterly regret my decision. Widowed & in poor health every penny counts & I thought I was in safe hands with my bank. In Feb/March 2005 my newly refurbished home (major works, New roof, New floors, completely new interior & the whole stone built Victorian flat decorated to the highest possible standard) was damaged by messages from the upstairs flat. New floor coverings, kitchen etc suffered water ingress damage from the flat above mine - it is a 2-storey building & 2 rooms & my large & spacious entrance hall, which has beautiful decorative cornicing, were badly affected. My decorator sounded the alarm when he noticed damp on a newly decorated wall.All my paint colours were chosen from a traditional Victorian range & were applied to walls that had been newly replastered, dados added, followed by good quality lining paper; the decorator was in my home for 8 weeks and did a superb job.I immediately telephoned one of the owners who was less than helpful & then rang RBS insurance to start the claims procedure. Bear in mind this was my FIRST EVER claim & I had dozens of photographs, witnesses etc & a loss adjuster visited & took his own photographs too. Now I presumed that given the obviousness of the water ingress- which was clear described in damage reports -the RBS insurance company would claim against the policy of the upstairs property owners? Or am I wrong? When I noticed on my bank statement that my policy premium had practically DOUBLED I was informed by my bank manager that it would revert to the normal rate AND all overpayments refunded once they had recovered costs from owners upstairs. Recovery seems to never have been attempted from the owners (& on our Deeds it clearly states that property must be insured) and 5 years on I am still paying the inflated premium & also my claim has NEVER been fully settled. After numerous letters, phone calls to RBS/Insurance claims departments I have been informed that they will not help me & my only course of action is to contact the Financial Ombudsmen. All this has been a nightmare for me and has made me ill with worry. How on earth, as the innocent party, can I be treated like this? I could really do with help to resolve this because I am suffering financially because of someone else's negligence. The attitude of the bank and their insurance company has been appalling with excuses, lack of answers and they been guilty of gross negligence as far as I am concerned.

“Can,t get through on phone to claims department”

written by on 15/01/2014

I had storm damage managed to phone and get someone to tell me what to do at RBS claims department... Got the job done and paid the roofer what I owed him. I sent my letter with receipt of job finished for roof to RBS >>>Ten working days they said I would get my money back no problem... I am still waiting... What really gets me ANGRY, is I have spent a fortune phoning them and cant get through to speak to anyone about the matter... Does anyone actually work in these call centres... Yes there will be an overload of people phoning them due to the bad weather so like any other business don't they employ extra temporary staff to cover the work load!!!! I am very angry and definitely wont be renewing my policy with them this year I have been with them for years too..

“Avoid Avoid Avoid ”

written by on 29/04/2013

RBS Home Insurance is an utter waste of time. really really regret having a policy with them. Had a leak in the bathroom, initially the response was good, on the phone at least. The problems began when they started repairing damp. They use multiple firms to fix the problem but mainly Rainbow who employ mostly children and FFDR. Call centre is all words no action, we are 3 months plus into the claim and things are worse than when we phoned them. They don't give a toss, looking forward to seeing them in court.

“SHOCKING”

written by markcolby66 on 22/01/2013

my boiler broke down on saturdsay,we called our normal guy who services our boiler to make sure it was not a simple fault,but it was the pcb board,so then rang the tbs for their homecare cover,baring in mind it was freezing cold,five inches of snow outside and having a complete downstairs of tiled floor it was pretty cold,our guy also ordered a pcb board and left at the plumb centre near us in case they did not have one on board,although they did say they would email company to let them no they needed one,no phone call saturday,rang back sunday,no phone call sunday,rang back by this time getting really annoyed and we did actually get a phone call from home care saying they would call tuesday morning which they did with no pcb board and they can not use the pcb board from our local plumb centre as they have no account,its now mid morning tuesday and still has not been resolved,absolutely shocking!

“Awful, awful, awful...”

written by on 14/05/2012

Have been an RBS customer for several years and it was only when we needed to make made a claim when our gable end collapsed due to storm damage (not an insignificant amount!) that we realised how incompetent, useless and unhelpful they are. The night it happened we couldn't get through to anyone. Once we got through the loss adjuster appointed by RBS decided it wasn't a storm and stopped all work and cleared off on a Friday afternoon without telling us leaving us to sort EVERYTHING ourselves. We complained to RBS, nothing, we appointed our own loss assesor... nothing. Eventually we took the case to it's inevitable conclusion - the Insurance Ombudsman. Despite RBS going as slow as possible and dragging their feet at every opportunity, the initial adjudication came back in our favour... great we thought we've got there... NO! RBS contested the ruling so it had to go to an Ombudsman for a final ruling - a delaying tactic if ever there was. So after 2 years and 4 months of perserverance the Ombudsman has - surprise, surprise - ruled in our favour. Question if RBS just decline all claims of this size so that the customer has to sort everything out, go through the stress of it all and then they might get lucky and not have to pay!? To date we have received our "compensation" but still no sign of the payment for fixing the house!! Am changing as soon as I can and NEVER again...

Anotherrbsinsurance_Scam's Comment

Written on: 26/09/2012

The secret is in in he name.... Definition of loss adjuster - someone employed as an agent acting for an insurer who "adjusts the loss" down in the insurers favour.

“Shocking customer service. DO NOT BUY INSURANCE FROM RBS.”

written by harryajames on 28/02/2012

Tried to contact RBS by phone in connection with roof damage sustained during the bad storm at the beginning of the year. Kept trying for three weeks to no avail. On one occasion tried for four hours. Changed insurance and am now paying less than half for the same cover.

“RBS Insurance WARNING”

written by dubbers on 11/01/2012

Please do not use RBS for insurance they are dreadful, they are not an insurance company as I understand the term to mean, everything is farmed out to agents, if you complain you have to go through their

Dubbers's Response to dubbers's Review

Written on: 11/01/2012

Please do not use RBS for insurance they are dreadful, they are not an insurance company as I understand the term to mean, everything is farmed out to agents, if you complain you have to go through their "customer relations" who have no clue how to relate to customers and in my case are nothing to do with the actual claims department so therefore cannot address my complaint fully and seem to think sending an ad hoc cheque for 20 quid will resolve the issue ahem no what i want is my insurance claim to which I am entitled through the policy I have paid for resolved. I am facing the prospect of a long and arduous journey in my current claim if the past 3 weeks are anything to go by and have already contacted the ombudsman and FSA to ensure my concerns are recorded. I would not wish them on my worst enemy and if my review can help ensure that even one person avoids this company then it is worthwhile. I will be asking detailed questions of any future insurer on how they deal with claims and I will also look very carefully at their complaints statistics. They have failed for me in every aspect of my current claim from assessing right through to their customer "service" if they fail on basic communication then they are unlikely to deliver on all the rest of their promises

Modaud's reply to Dubbers's Comment

Written on: 09/11/2013

I agree, going through a total loss claim right now. Sent my complaint to their 'Claims Customer Relations Team' and they admitted to me they haven't even looked at it. They leave it all up to a 3rd party loss adjusters. AVOID THEM AT ALL COST. Bear in mind they are underwritten by DIRECT LINE. Even RBS are trying to get rid of them by selling this TOXIC insurance underwriters.

“Robbing b'stards, DO NOT USE RBS!!!”

written by on 15/09/2011

We recently had to make a claim for a laptop that was stolen along with all the accessories such as external HDD etc. When we first made the claim (and after providing them with the full crime ref no) they simply said we cannot cover it as we do not have original packaging or reciept!!! this laptop was 18 months old, of course we do not have the original packaging or reciept, luckily i was able to log onto my amazon account and retrieve the order conformation. When i originally ordered the laptop i also ordered ram and hdd upgrades, but would not cover them as we could not prove they were in the laptop. they told us it would take 4-6 weeks to provide a voucher to get a new one so i told them we would like a cash settlement as i will need to go out and buy a new one the next day it was needed for work, they agreed and said ok. 2 days later they called with an offer of £50 !!!!! WTF! they said the claim only had down for a case and mouse!!!! are they completly stupid! anyway after correcting that, they came back to us and said we will send you a voucher in 4-6 weeks AGAIN!! i told them we had alredy settled on a cash payment which they then told us they didn't do. I contacted the head office and was informed by an unhappy employee that they do cash settlements but the customer service teams only get commision when they send out vouchers not cash settlements. with this i contacted them back only to be eventually told they can only offer £200 for this £800 laptop as that is the value they feel its worth. Like for Like really!!!!? in the process of sending a letter to obudsman over these con artists, steer well clear!!! what a joke!!!!

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Choosing a new car insurance provider can be difficult with so many on the market. Our Bank of Scotland car insurance reviews can help you make an informed decision when choosing your next provider. Bank of Scotland offers Third Party, Fire and Theft, and Comprehensive cover, as well as policies designed for electric vehicles. All comprehensive policies come with a variety of additional benefits, such as 60 days of EU cover, courtesy car and more. Alongside this, Bank of Scotland has a range of optional extras designed to make your policy even more robust. Does Bank of Scotland sound like the perfect provider for your car insurance? Read our customer reviews to see how well these policies shape up. Find out what extra add-ons customers have put onto their policies and whether they would purchase them again. If you have an electric vehicle, learn how well Bank of Scotland has tailored its policies to cater for you. Before purchasing a policy, always read reviews to be sure you’re making the best financial decision for your needs. Have you had a car insurance policy with Bank of Scotland? Share your experience with others on Smart Money People. Tell us if you felt your policy was reasonably priced, and if you felt the level of cover was suitable for your needs. Did you need to make a claim, and if so, how well was it handled? Would you recommend them to a friend or family member, and would you renew your policy? Write a Bank of Scotland car insurance review today. Together, we can help people like you make better decisions.

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AIG Travel Guard insurance review: What you need to know

Whether you need an annual plan or a policy for a last-minute trip, travel guard can deliver..

Travel Guard is one of CNBC Select 's picks for best travel insurance , thanks to its wide range of customizable policies. But are any of them right for you? Below, we review the provider and its offers and how they compare to the competition to help you choose the right travel insurance for your next trip.

Travel Guard review

Other insurance offered, how it compares, bottom line, travel guard® travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

24/7 assistance available

• A variety of plans are available to help cover different types of trips
• Not all products are available for purchase online

Travel Guard® is a global travel insurance provider specializing in plans for leisure and business travelers. Its online travel insurance packages include five options, from basic and last-minute trip coverage to more comprehensive plans. This allows travelers to pick a plan that best matches their situation.

For example, budget-minded travelers might go for the Essential Plan which offers basic protections, such as trip cancellation, interruption and delay insurance, coverage for lost, damaged and delayed baggage, and medical, evacuation and death coverage.

On the other hand, the Deluxe Plan — the most comprehensive option — adds such extras as missed connection coverage, security evacuation, travel inconvenience benefits and more. It also boosts high limits for essential coverages.

Last-minute travelers can opt for the Pack N' Go Plan which only includes certain post-departure coverages. Or, if you travel often, the Annual Plan can cover your trips throughout the year.

Finally, Travel Guard offers "offline" travel insurance packages, meaning you'll have to call if you're looking for a specialty plan.

Coverage types

Depending on the plan, here are the types of protection Travel Guard can include in your package:

• Trip cancellations
• Trip interruption
• Baggage coverage
• Baggage delay
• Travel medical expenses
• Travel inconvenience benefits (reimbursement for such situations as runway delays, cruise diversion and other unforeseen situations)
• Medical evacuation
• Trip Saver (reimbursement for meals, hotels and transportation if you need to begin your trip sooner due to weather or airline changes)
• Trip exchange (reimbursement in case you have to cancel your trip and book a new one due to covered unforeseen circumstances)
• Security evacuation (due to a riot or civil disorder)
• Flight guard (coverage for accidental death or dismemberment that occurs when traveling by plane)
• Pre-existing medical conditions exclusion waiver

You can also customize your plan with add-ons, such as car rental insurance and "cancel for any reason" coverage .

Travel Guard landed on our list of the best travel insurance companies thanks to its variety of coverage. With plenty of options to choose from, both online and offline, it's easy to build a policy that meets your needs.

Travel Guard also features 24-hour concierge services that you can use to book a new flight in case of an emergency or delay.

The provider's website also offers informational resources — here, you can check travel news, read safety tips and find general travel advice. Additionally, the website lets you modify your plan, file a claim and check its status, or apply for a voucher or refund.

As of writing, Travel Guard doesn't offer any discounts. That's common for travel insurance — you're more likely to find deals when shopping for other types of insurance, such as home and auto insurance .

Travel Guard is a portfolio of travel insurance and travel-related services offered by AIG Travel, a member of American International Group (AIG). AIG also offers life insurance and a variety of business insurance products.

Travel Guard makes it easy to get a travel insurance policy customized to your needs. But before you purchase coverage, it's always a good idea to shop around.

For example, if you're going on a cruise, you might want to look at Nationwide Travel Insurance . The provider advertises cruise-specific insurance with three plan options available. This type of coverage is designed with issues unique to cruises in mind — from ship-based breakdowns to missed pre-pard excursions.

If you're planning a more active trip filled with rock climbing or sky diving, Berkshire Hathaway offers the AdrenalineCare® plan which features coverage for unforeseen costs that result from participating in extreme sports on your trip, as well as reimbursement for sporting equipment delay. Pre-existing conditions are covered under this plan (if you meet qualifying conditions).

Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection has multiple plans to cover vacations from luxury travel to adventure travel. The brand's LuxuryCare offers the highest limits of travel insurance coverage offered by the company. Quotes and policies are available online.

As you can see, offerings vary by provider. It can be helpful to compare multiple companies and the plans they offer to find what works best for you. It's even better if you gather several quotes to ensure you're getting a good price for your policy.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Travel Guard offers plenty of ways to customize your policy, making it a solid choice for travel insurance. You can also access additional options by giving Travel Guard a call. However, make sure to check out other travel insurance companies too — comparison shopping is essential when picking any type of financial product.

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At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of insurance products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

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