rbc avion travel insurance covid 19

Travel Advisory: Coronavirus (COVID-19)

Coronavirus (covid-19) update:.

The safety of our clients is our top priority and we are taking every measure to support you as quickly as possible. Due to extremely high call volumes at our Avion Rewards Call Centre, clients are experiencing long wait times. During this time, we ask that:

• If you are not traveling within the next 72 hours , please consider calling at a later time
• If you are not traveling in the month of March, please call back starting the week of March 23

We are committed to providing you with regular updates and information as they become available. Please find below key information that may address some of your questions.

How do I change my booking made using Avion Rewards?

We understand that many clients are trying to change bookings made through Avion Rewards. If you are traveling within the next 72 hours, please call the Advice Centre and select the Rewards Option. We are doing our very best to support these requests and appreciate your patience. If you are not traveling within the next 72 hours, please consider calling at a later time.

If this is an emergency and you must return to your original destination, please consider the following:

• Visit the Avion Rewards Caribbean online booking tool to book a new trip using your credit card. This will ensure you can resume your travel safely and confidently. Please call Avion Rewards Caribbean by calling the Advice Centre and selecting the Rewards Option thereafter to cancel your previous booking.

What are the Change and Cancellation Policies I can expect?

Clients are to contact their travel provider who made the original booking. For clients who made their original booking using their Avion points, please refer to the previous section entitled “How do I change my booking made using Avion Rewards”. All other clients are to contact their travel provider who made their original booking in order to facilitate changes of cancellations.

Avion Rewards is committed to providing assistance in facilitating changes or cancellations to travel bookings for our clients. However, travel providers have specific policies around changes fees, changes and cancellations so it is important to review their specific policies. We encourage you to review your travel provider policy first and here are a few links to some airlines:

• American Airlines
• British Airways
• Caribbean Airlines
• Cayman Airlines
• Copa Airlines
• Delta Airlines
• Southwest Airlines

Please note: All requests are subject to specific travel provider rules and fees

What about travel insurance?

We understand that you may have insurance related questions about your travel plans due to the outbreak of  COVID-19.

We encourage clients to:

• Refer to their travel insurance policy/certificate, and
• Contact their travel insurance provider
• RBC clients that have applicable travel insurance coverage on their RBC credit card should visit www.visa.com/benefitsportal for more information. RBC clients with other travel insurance should contact their travel insurance providers directly.

Note: All insurance providers are experiencing high-call volumes and clients may experience longer wait times due to this global situation.

The health and well-being of our clients and our employees is of the utmost importance to us at RBC. We appreciate your patience as we work to support you through this time.

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• Call 1-800-769-2511

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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

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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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Best COVID-19 Travel Insurance in April 2024

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Table of Contents

Factors we considered when picking travel insurance that covers COVID

An overview of the best travel insurance for covid , top travel insurance for covid options , additional resources for covid-19 travel insurance shoppers.

No matter how well you prepare, travel plans don’t always go as expected. Some travelers buy travel insurance to protect their investment in prepaid travel costs. Amid the ongoing pandemic, exploring travel insurance with COVID-19 coverage is recommended. With the right policy, you can protect yourself if you need to cancel your trip or end it early due to illness. Many insurers offer travel insurance policies with this kind of coverage. 

This is the shortlist of the best travel insurance for COVID options: 

Berkshire Hathaway Travel Protection . 

John Hancock Insurance Agency, Inc.  

Seven Corners . 

Travelex Insurance Services . 

Travel Insured International . 

WorldTrips . 

We used the following factors to choose insurance providers to highlight in our best travel insurance for COVID list: 

Range of coverage: We looked at how many plans each company offered with COVID-19 coverage, plus the range of available plans. 

Depth of coverage: We compared the maximum caps for trip cancellation and trip interruption claims between carriers and plans.

Medical benefits: We examined whether plans included emergency medical benefits for COVID-19 reasons and whether plans included medical evacuation and repatriation benefits. 

Cost: We determined an average cost for shoppers to benchmark plan prices by looking at the basic coverage costs for plans with COVID-19 benefits across multiple companies.

We looked at quotes from various companies for a six-night trip in May 2023 to Croatia. The traveler was 30 years old, from Texas and planned to spend $1,500 on the trip, including airfare.

On average, the price of each company’s most basic coverage plan with COVID-19 coverage was $47.22. The prices listed below are for the most basic COVID-19 travel insurance coverage. All insurers offer multiple COVID-19 policies with greater coverage coming at a higher cost. 

Let's take a closer look at our eight recommendations for travel insurance with COVID coverage: 

Berkshire Hathaway Travel Protection

What makes Berkshire Hathaway Travel Protection great:

Several plans allow policyholders to cancel for COVID-19 sickness as part of trip cancellation and trip interruption insurance benefits. 

Several plans include COVID-19 medical coverage benefits.

Medical evacuation benefits are included in these plans. 

Plans include limited sports and activities coverage and sports equipment loss benefits. 

Basic Berkshire Hathaway Travel Protection will run you $50 for an ExactCare Value policy, the company’s most basic COVID-19 travel insurance coverage option.

What makes IMG great:

Many plans include COVID-19 cancellation benefits.

Most of these plans also include COVID-19 medical benefits (the Travel Essentials plan doesn’t include this). 

Medical evacuation coverage is available on select plans. 

Coverage for adventure travel is available for an extra cost. 

IMG is a good option for the budget-minded: Its Travel Essential plans cost more than $10 less than average based on our comparison. 

John Hancock Insurance Agency, Inc. 

What makes John Hancock Insurance Agency great:

Multiple plans offer COVID-19 cancellation benefits as part of the included trip interruption and trip cancellation coverage. 

These plans offer COVID-19 medical benefits.

Medical evacuation coverage is included in all COVID-19 coverage plans. 

The John Hancock Insurance Agency, Inc. basic plan (Bronze) costs $56. 

Seven Corners

What makes Seven Corners great:

Multiple plans offer COVID-19 cancellation benefits as part of the included trip interruption and trip cancelation coverage. 

These plans include COVID-19 medical benefits and evacuation and repatriation benefits.

There is no medical deductible. 

Seven Corners’ basic coverage plan (RoundTrip Basic) for our trip to Croatia costs $44.

Travelex Insurance Services

What makes Travelex Insurance Services great:

Multiple plans include Covid-19 sickness coverage, which reimburses prepaid and nonrefundable trip payments if a trip is canceled or interrupted due to a traveler contracting the virus.

These plans also include COVID-19 medical benefits.

Medical evacuation and repatriation benefits are included. 

Basic coverage (Travel Basic) from Travelex Insurance Services costs $44 for our sample trip, which is slightly cheaper than average. 

Travel Insured International

What makes Travel Insured International great:

Multiple plans cover COVID-19 cancellation benefits as part of the included trip interruption and trip cancelation coverage. 

These plans also include COVID-19 medical benefits, including medical evacuation. 

Limited sports and activities coverage is included in plans with COVID-19 coverage. 

Travel Insured International's basic coverage (Worldwide Trip Protector Edge) begins at $55 — only a few dollars more than the average basic policy price. 

What makes Tin Leg great:

A wide range of plans offer COVID-19 cancellation benefits as part of the included trip interruption and trip cancelation coverage. 

All of these plans also include COVID-19 medical benefits. 

All of these include medical evacuation benefits. 

An adventure travel policy is available. 

Another plus: Tin Leg’s basic coverage plan (Basic) for our trip to Croatia costs $48.85 — making it right around the average price for the policies we covered. 

WorldTrips 

What makes WorldTrips great:

Several plans include medical coverage for COVID-19. 

Sports and activities and sports equipment loss are included. 

Coverage can be extended for up to thirty days, including for medical quarantine purposes. 

WorldTrips’ most affordable plan with COVID-19 coverage (Atlas Journey Economy) starts at $44, making it a low-cost option. 

Do you want to learn more about travel insurance before you spend money on a policy? Take a look at these resources: 

What is travel insurance?  

What does travel insurance cover? 

The best travel insurance companies 

How to find the right travel insurance for you

10 credit cards that provide travel insurance

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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• Smart Advice
• CIBC’s Response to COVID-19
• COVID-19 Travel Updates and Travel Insurance

CIBC’S RESPONSE TO COVID-19

COVID-19 travel updates and travel insurance

As the situation related to COVID-19 continues to affect global travel, we appreciate that you may have questions about your travel insurance coverage and how your current or future travel plans may be affected.

Travel advisories issued by the Government of Canada are a critical element in determining your travel insurance coverage related to trip cancellation/interruption and travel emergency medical insurance. On Friday, March 13, 2020, the Government of Canada issued a global travel advisory Opens a new window in your browser. stating that Canadians should “avoid non-essential travel” outside of Canada. For more information, check Travel and Tourism Opens a new window in your browser. .

We want to keep you informed about how these changes affect you. The following are some of the most common questions you may have about travelling.

I’m booked to travel but I want to cancel my plans — What do I do?

In most cases, you should contact your airline or travel provider directly. Many of these companies have adjusted their policies as it relates to cancellation or rebooking fees as a result of recent events.

If you booked your travel using your Aventura travel rewards credit card through the CIBC Rewards Centre, you can either leave a voicemail at 1-888-232-5656 Opens your phone app. or send an email to [email protected] Opens your email app. . Be sure to provide:

• your first and last name;
• a phone number where you can be reached; and
• your CIBC Rewards confirmation number

If you’re trying to get home from abroad and require assistance to adjust or change your travel plans, follow the same process as above. You can reach CIBC Rewards Centre outside of Canada or the United States by calling collect at 905-696-4907 Opens your phone app. .

CIBC Rewards Centre is prioritizing their responses to emails and voicemails based on travel dates.

If you want to cancel your Aeroplan Flight Reward, you can do so online at no charge through March 31. Simply sign on and visit Manage your bookings Opens a new window in your browser. .

If you want to change your Aeroplan Flight Reward to travel on a different date without cancelling the booking, you must call the Aeroplan Contact Centre at 1-800-361-5373 Opens your phone app. .

Aeroplan looks forward to serving you, but if your flight doesn’t depart within the next 72 hours, please consider delaying contacting them so they can assist customers with imminent travel plans. Review Aeroplan’s COVID-19 updates Opens a new window in your browser. .

For all other information, including route suspensions and preventative measures, please visit Air Canada COVID-19 Updates Opens a new window in your browser. .

CIBC credit card included insurance

I’m still planning to travel outside of canada — what do i need to know.

As a result of the most recent government travel advisory on March 13, 2020, advising against all non-essential travel outside of Canada, all trip cancellation, trip interruption and travel medical insurance coverages that are features of your CIBC credit card are no longer in force. Note that you may still be eligible for Trip Cancellation benefits depending on when you booked your trip.

As a first recourse, you should contact your airline or travel provider directly. Many of these companies have adjusted their cancellation and rebooking policies due to COVID-19. Your travel insurance covers the non-refundable, non-transferable portion of any prepaid travel expenses up to your policy maximum. That means you’re covered for any amount you aren’t able to get through the refund process with your carrier.

If you purchased travel on or after March 13, 2020, you won’t have coverage for trip cancellation benefits.  If you purchased your trip with your CIBC credit card which includes Trip Cancellation insurance prior to the Canadian Government official travel advisory being issued, then you’re eligible for Trip Cancellation coverage. To make a claim, visit Global Excel Management’s online claim portal Opens a new window in your browser. .

For all other credit card related claims or for more information, visit the CIBC page of RSA Canada Opens a new window in your browser. .

I’m currently outside of Canada — Am I still covered?

Assuming you left prior to any formal travel advisories being issued for your destination, you may be covered. However, as of March 13, the Government of Canada issued an Official Global Travel Advisory, advising Canadians to avoid non-essential travel outside of Canada until further notice. This advisory applies to all international locations, including the USA. Because this travel advisory or formal notice was issued after your departure date, your emergency medical and trip interruption coverage, if applicable under your card, will be limited to a period of 10 days from the date the travel advisory or formal notice was issued or to a period that is reasonably necessary for you to safely evacuate the country, region, area or cruise.

We recognize that capacity within airlines or other travel suppliers may cause delays with your return. In the event of extenuating circumstances, and you’re unable to get home, your health and safety are of the utmost concern. Rest assured your coverage will remain in place. With the increasing likelihood of additional border closures around the globe, we urge clients to act as quickly as possible to make arrangements to return to Canada.

Purchased travel insurance

Trip Cancellation or Trip Interruption claims related to COVID-19 won’t be payable for any policies purchased on or after March 13, 2020. In addition, due to Global Affairs Canada’s global travel advisory, medical treatment abroad related to COVID-19 won’t be eligible under Emergency Medical benefits for trips departing or policies effective on or after March 13, 2020 at 5 pm ET.

As a first recourse, you should contact your airline or travel provider directly. Many of these companies have adjusted their cancellation and rebooking policies due to coronavirus. Your travel insurance covers the non-refundable, non-transferable portion of any prepaid travel expenses. That means you’re covered for any amount you aren’t able to get through the refund process with your carrier.

If you purchased your travel insurance policy on or after March 13, 2020, you won’t have coverage for trip cancellation benefits if the reason for your claim relates to coronavirus.

If you purchased your policy prior to March 13, 2020, you’ll be eligible for trip cancellation if there was no travel advisory issued for your trip destination at the time of trip purchase.

If you travelled prior to March 13, 2020, and your trip destination didn’t have a travel advisory in place on your date of departure, your travel emergency medical coverage and trip interruption coverage remains in place, including for coronavirus claims, subject to the terms, conditions and limitations of your travel insurance policy. If you travelled on or after March 13, 2020, you won’t have travel emergency medical or trip interruption coverage for coronavirus.

If you have a medical emergency, contact our administrator, Allianz Global Assistance, at 1-800-281-9109 Opens your phone app. . Please be advised that due to COVID-19, Allianz is experiencing extremely high call volumes. For the best way to contact Allianz during this time, read their Notice to customers (PDF, 65 KB)  Opens a new window in your browser. .

Will my Multi Trip Annual Plan be extended?

Yes. As a result of COVID-19, CIBC Multi Trip Annual Plan policyholders may have been unable to fully maximize the benefits of their travel insurance policy. Recognizing this, we’re providing customers with an active policy as of June 1, 2020, with an automatic 90-day extension on your Multi Trip Annual Plan at no additional cost. Existing policy terms and conditions will apply.

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RBC® Avion Visa Infinite†

Best offer is available until April 30, 2024

Signup bonus:, annual fee:, interest rates:, earning rate:.

The RBC ® Avion Visa Infinite † is RBC ® ‘s flagship product, and currently offers a record-high welcome bonus with a lengthy time window to meet the minimum spending requirement.

Bonuses & Fees

This card is currently offering a promotional welcome bonus of up to 55,000 RBC Avion points † for new cardholders, which are awarded as follows:

• Earn 35,000 Avion points upon approval †
• Earn 20,000 Avion points upon spending $5,000 in the first six months †

The card has an annual fee of $120 † . If you have an RBC ® VIP Banking Account , you’ll be able to get a fee waiver on one of RBC ® ‘s premium credit cards, including this one.

You have until April 30, 2024 to apply for this offer.

Earning Rewards

The RBC ® Avion Visa Infinite † offers the following earning rates:

• 1.25 RBC Avion points per dollar spent † on qualifying travel purchases
• 1 RBC Avion point per dollar spent † on all other qualifying purchases

Redeeming Rewards

There are a variety of ways to redeem RBC Avion points for a high value.

As a transferable currency, RBC Avion points can be converted into British Airways Executive Club† and Cathay Pacific Asia Miles† at a 1:1 ratio, WestJet Rewards† at a 100:1 ratio, as well as American Airlines AAdvantage† at a 1:0.7 ratio.

Avios, Asia Miles, and AAdvantage will all provide a means to book business class and First Class flights on Oneworld airlines, which will be by far the best value for your Avion points if you’re interested in travelling internationally in style.

Look out for 10–50% transfer bonuses to these partners too, which can boost the value of your points even further.

These can be some of highest value uses of RBC Avion points. If you signed up via the current offer for 55,000 Avion points, for example, and transferred the points over to Avios during a 30% promotion, you’d get 71,500 Avios — good for a number of short-haul flights, a one-way flight in Qatar Airways Qsuites from North America to Doha, or enough to make solid progress towards a multi-carrier ticket .

You can also redeem via the Air Travel Redemption Schedule † , which lets you use Avion points to book round-trip economy class tickets departing from Canada, up to a certain maximum ticket price. As a baseline, you can also apply Avion points to any travel purchase at a rate of 1 cent per point † .

Perks & Benefits

The RBC ® Avion Visa Infinite † includes a host of interesting benefits, including 12 months of free DashPass from DoorDash as part of the wider partnership between RBC and DoorDash † .

It also includes a 3¢/L saving on fuel at Petro-Canada † , along with earning 20% more Petro-Points and RBC Avion points upon using your card to pay † .

Furthermore, RBC Avion cardholders can save 20% at Hertz † , as well as earn 2x the points if using your card † .

Finally, you can earn 50 Be Well points for every $1 spent on eligible products at Rexall † , as well as an improved redeeming ratio of 25,000 Be Well points = $10.

Insurance Coverage

The RBC ® Avion Visa Infinite † comes with pretty strong protection, as would be expected for a premium credit card:

Emergency medical insurance † for the first 15 days of any out-of-province trips for travellers under the age of 65 or the first three days for those 65 and up

Travel accident insurance † , covering death or dismemberment, of up to $500,000

Car rental collision/loss damage insurance † , which allows you to save on the daily insurance charged by car rental companies for vehicles up to a MSRP of $65,000

Trip cancellation insurance † of up to $5,000 and trip interruption insurance † of up to $25,000

Flight delay insurance † of up to $500 for reasonable expenses incurred

There’s also a very compelling purchase protection scheme †  in place that will reimburse you for accidentally lost or damaged personal property within 90 days of purchase, up to a maximum of $50,000 per year, as well as an extended warranty †  feature that automatically doubles the original manufacturer’s warranty.

Overall, the insurance on this card is on par with other premium cards in the market, making it a solid option for any big purchases.

Historical Offers

Legal disclaimers.

† Terms and conditions apply. Refer to the RBC website for up-to-date offer terms and conditions.

† This website contains affiliate links. Please read our disclaimer for more info.

As a Visa Infinite product, this credit card has a minimum personal annual income requirement of $60,000 or a minimum household income of $100,000 to be eligible. Refer to RBC® page for up to date offer terms and conditions.

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Our top picks of timely offers from our partners

Does credit card travel insurance cover monkeypox or COVID-19 cancellations?

The spread of monkeypox has made travelers wary — but trip cancellation is not automatically covered. select explains the terms of the top credit card travel insurance coverage you could expect in the event of canceled travel..

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

If you're hesitant about upcoming travel plans, you're not alone. Many Americans are second-guessing vacations due to growing monkeypox and coronavirus concerns.

The World Health Organization has declared monkeypox a global health emergency , with more than 23,000 cases confirmed around the world, according to the Centers for Disease Control and Prevention . Although there are no monkeypox-related travel restrictions in place, the spread has spurred various travel warnings and restrictions that may cause you to rethink an upcoming trip . Coronavirus cases and hospitalizations have also been on the rise again.

If you purchased travel with a credit card that offers trip cancellation and interruption insurance, you may be covered under certain circumstances, which we explain below.

Select  dug through the terms of top credit card travel insurances to list what coronavirus coverage you can expect to receive in the event of a trip cancellation.

Our best selections in your inbox. Shopping recommendations that help upgrade your life, delivered weekly.  Sign-up here .

Will my credit card travel insurance cover any trip cancellations or changes from monkeypox or coronavirus?

It depends — the key is whether you choose to cancel a trip, or if you have no control over the decision and the choice is made for you.

Credit card travel insurance has a lot of quirks when it comes to what is and what isn't covered. In most cases, travel insurance covers prepaid, non-refundable travel expenses including passenger fares, tours and hotels. These eligible travel expenses will only be covered when the full amount of each expense was purchased with your eligible travel credit card. 

Assuming these factors are true, your credit card will cover a canceled trip when you meet "covered situations," which typically include:

• Accidental bodily injury, loss of life or sickness experienced by you, a traveling companion or an immediate family member
• Severe weather that prevents the start or continuation a trip
• Terrorist attack or hijacking

Precautionary cancellations aren't likely to be covered. So if you're worried about traveling for fear of contracting monkeypox or coronavirus and choose to cancel or change your trip, there are slim chances your credit card travel insurance will provide reimbursement.

For example, the Chase Sapphire Reserve®'s guide to benefits states that "your disinclination to travel due to an epidemic or pandemic" is not covered by its trip cancellation and trip interruption.

Who will be covered by credit card travel insurance because of monkeypox or coronavirus?

There is a circumstance in which your canceled travel would likely be covered for monkeypox or coronavirus — and that's if you actually have either of the viruses.

Quarantine of you or your travel companion imposed by a physician or by a competent governmental authority having jurisdiction, due to health reasons, is a covered event. Chase Sapphire Reserve Guide to Benefits

If you become ill or receive notice from your physician that travel is not advised to an infected area, or because of your health condition, your credit card travel insurance will likely cover cancellations.   And if an authoritative power, such as a governor or mayor, imposes travel restrictions, you may also be covered.

The Sapphire Reserve states, "quarantine of you or your travel companion imposed by a physician or by a competent governmental authority having jurisdiction, due to health reasons," is a covered event. Likewise, it states in  The Platinum Card® from American Express  guide to *trip cancellation and interruption insurance that a "quarantine imposed by a physician for health reasons" is a covered loss.

So if you are prevented from traveling due to contracting monkeypox or coronavirus, or if your plans were interrupted by a politician's or physician's orders — you may be covered.

The best credit cards for travel insurance

Below are some of Select's picks of credit cards that offer robust travel insurance. It's important to know that each card's benefits may vary, so read the terms and conditions to see if you're situation will be covered.

The Platinum Card® from American Express

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year, 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel, 1X points on all other eligible purchases

Welcome bonus

Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.

Regular APR

See Pay Over Time APR

Balance transfer fee

Foreign transaction fee, credit needed.

Excellent/Good

See rates and fees , terms apply.

Read our The Platinum Card® from American Express review .

Chase Sapphire Preferred® Card

Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Chase Travel Hotel Credit, plus more.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

21.49% - 28.49% variable on purchases and balance transfers

Either $5 or 5% of the amount of each transfer, whichever is greater

Credit needed

Terms apply.

Read our Chase Sapphire Preferred® Card review .

Chase Sapphire Reserve®

Earn 5X total points on flights and 10X total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases plus, 10X points on Lyft rides through March 2025

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

22.49% - 29.49% variable

5%, minimum $5

Read our Chase Sapphire Reserve® review.

Other ways to be reimbursed for travel cancellation

Many airlines travel providers allow customers to change or cancel their bookings for free. Just note that basic economy bookings are usually excluded from this flexibility.

If you want to cancel a trip over coronavirus concerns and you're not covered by your credit card travel insurance, contact the airline, other form of transportation or hotel.

* Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Underwritten by New Hampshire Insurance Company, an AIG Company. Please visit americanexpress.com/ benefitsguide for more details.

For rates and fees for The Platinum Card® from American Express, click here .

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Going on a Cruise

Ahhh…cruising. Is there any better way to relax and explore new destinations? Chances are, you spent a good bit of money when you booked your ship, flights and other arrangements. Travel insurance that includes trip cancellation and interruption and other coverage is a smart way to protect yourself financially against the unexpected.

Get a Quote

Popular choice:, deluxe package (ages 0-74) disclaimer 2 or travelcare ® packages (ages 75+) disclaimer 2.

You are covered for:

• Cruise cancellation or interruption due to weather or ship mechanical failure
• “Catch up” costs to join your cruise after missing a departure due to a covered delay such as a cancelled flight
• Unused shore excursion tickets that you purchased on board and couldn’t use due to illness or injury
• Last-minute cancellations due to family/work emergencies, unexpected health issues or other unforeseen events
• Lost or stolen luggage, passports and medications
• Unlimited eligible emergency medical expenses Disclaimer 1
• 24-hour worldwide emergency medical assistance
• Travel expenses to get you home after a medical emergency

Interested in travel medical coverage only?

Classic Medical Plan (ages 0-64) or TravelCare ® Medical Plan (ages 65+)

• Travel expenses to get you home if you have a medical emergency

Note : If you have sufficient emergency travel medical protection through a credit card or work plan, we also offer a Non-Medical Package that will cover you for trip cancellation and interruption, luggage delays and more.

Make sure you have the right travel insurance—get an online quote or talk to a licensed insurance advisor.

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