Purchase and Travel Insurance

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Travel Accident Insurance If you suffer a loss as a result of an accidental bodily injury while occupying a common carrier, you are eligible for this coverage. Car Rental Insurance If your rental vehicle is damaged or stolen while rented out in your name, you are covered up to the vehicle’s actual cash value plus valid loss of use charges. Purchase Security Automatically protects new purchases by insuring them for 90 days from the date of purchase in the event of loss, theft or damage. Extended Warranty Either doubles the length of the item’s manufacturer’s warranty coverage or extends it by 1 year—whichever is lesser. Trip Cancellation If you have to cancel your trip before it has even started, your prepaid travel costs will be covered up to a maximum amount if the cause of cancellation is eligible for the insurance. Price Protection If, within a certain amount of time of purchasing an item, its price drops or you find an identical item offered for a lower retail price than what you paid, you will be reimbursed for the difference.
Up to $500,000 $65,000 Within 90 days of purchase Up to 1 year N/A N/A
Trip Interruption & Delay If your trip has to be cut short or is delayed after the scheduled departure date, you will be covered up to a maximum amount if the cause of interruption or delay is eligible for the insurance. Flight Delay If your departing flight is delayed by a certain number of hours, you will be reimbursed up to a certain amount for necessary and reasonable expenses incurred during the delay. Travel Medical Emergency In the event that you require urgent medical care while on a trip outside of your home province, you will be covered for any eligible medical expenses incurred. Lost Baggage In the event that your checked baggage cannot be located by a common carrier, you will be reimbursed for a portion of the replacement cost of lost personal property. Delayed Baggage If your checked baggage is not delivered within a specified time frame from the time of your arrival at your destination, you will be reimbursed for the cost to replace essential items. Hotel/Motel Burglary If, while you are checked in, your personal property is stolen from your hotel/motel room and there is evidence of forceful entry, you will be reimbursed for the stolen property up to a certain amount.
$5,000 per person
$25,000 per trip
$250 per person
$500 per trip
(4+ hour delay)
Unlimited
15 days (Under 65)
3 days (65 or Over)
$500 per person
$2,500 per trip
$500 per person
$2,500 per trip
(4+ hour delay)
$2,500 per occurrence

Select an insurance type in the drop-down menu to get more details:

Travel Accident Insurance

This insurance covers you up to $500,000 in the event of an accidental bodily injury resulting in one of the losses listed below, while travelling on a common carrier, or while at the airport, pier, terminal or station at the beginning/end of your trip.

Coverage is activated when you have paid for the full transportation fare for your trip with your RBC credit card and/or WestJet dollars prior to commencing your trip.

Type of Loss: Benefit Amount:
Life $500,000
Both hands or both feet $500,000
Total sight in both eyes $500,000
One hand and one foot $500,000
One hand or one foot and total sight in one eye $500,000
Speech and hearing $500,000
One leg or one arm $375,000
One hand or one foot $333,300
Speech or hearing $333,300
Total sight in one eye $333,300
Thumb and index finger of the same hand $166,650
One finger or one toe $50,000
Both upper and lower limbs (quadriplegia) $500,000
Both lower limbs (paraplegia) $500,000
Upper and lower limbs of one side of the body (hemiplegia) $500,000

Note: Benefits are payable only when a covered person suffers an injury that results in any of the above losses within 365 days of the date of the accident.


Rehabilitation & Family Transportation Benefits

In addition to the amount payable above as the result of a loss, you will also be reimbursed for the reasonable and necessary expenses you actually incurred, up to a limit of $2,500, for special training provided these expenses are incurred within 2 years from the date of the accident.

Also, when you are confined as an inpatient in a hospital for injuries that result in a payable loss, and you require the personal attendance of a family member as recommended by the attending physician, the insurer will pay, up to a maximum of $1,000, for the expenses incurred by the family member for transportation to you by a common carrier.


Exclusions

This policy does not cover any loss caused by or related to:

  • Your intentional self-inflicted injuries, suicide or attempted suicide while sane or insane
  • War (declared or not), an act of foreign enemies or rebellion, voluntarily and knowingly exposing yourself to risk from an act of war (declared or not) or voluntarily participating in a riot or civil disorder
  • The commission of a criminal act or direct or indirect attempt to commit a criminal act by you or your beneficiary, whether or not you have been charged
  • Your active full-time service in the armed forces of any country or participation in any military manoeuvre or training exercise
  • Riding onboard a common carrier with a status other than passenger
  • Any accident arising from, or in any way related to, your chronic use or abuse of alcohol or drugs, including prescription or illegal drugs, or deliberate non-compliance with prescribed medical therapy or treatment whether prior to or during your trip
  • Sickness or disease, even if the cause of its activation or reactivation is an accident
  • Ionising radiation or radioactive contamination from any nuclear fuel or waste which results from the burning of nuclear fuels; or, the radioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it
  • Contamination due to any act of terrorism
  • Terrorism


Limitations

  • If, as a result of an accident, you sustain injuries resulting in multiple losses, the maximum benefit payable by the insurer to you for all your losses will equal the highest benefit amount for 1 of your losses and will not exceed $500,000.
  • Benefits will not be paid while you are in a coma.
  • When your death or loss occurs more than 52 weeks after the accident, unless you are in a coma at the end of that period (the insurer will determine which benefits you are entitled to when you regain consciousness)


How to Make a Claim

  • Call Assured Assistance at 1-800-533-2778 at the time of the loss to receive the necessary claims assistance.
  • Otherwise, call the RBC Insurance Claims Center at 1-800-464-3211 within 30 days of the date of the loss to obtain the necessary claim documents.
  • You must submit the information required for your claim within 90 days of the date of the emergency treatment or other expenses were first incurred. If this is not reasonably possible, you must do so within 1 year or your claim will not be reviewed.

Car Rental Insurance

If your rental vehicle is damaged or stolen while rented out in your name, you are covered up to the vehicle’s actual cash value plus any valid loss of use charges, reasonable towing charges and administrative charges resulting from the damage or theft. This includes damage resulting from malicious vandalism and theft.

You are eligible for this type of coverage provided that:

  • You rent the car in your name and the full cost of the rental is charged to your RBC MasterCard and/or paid with your WestJet dollars
  • You declined the rental agency’s collision damage waiver (CDW) or similar provision
  • The length of the rental period doesn’t exceed 48 consecutive days

Note: This insurance does not cover third party liability coverage. Check with your personal automobile insurer and the rental agency to ensure that you and all other drivers have adequate third party liability, personal injury and damage to property coverage.


What Types of Rental Vehicles Are Covered?

Types of Vehicles Covered Types of Vehicles Not Covered
  • Cars
  • Sport Utility Vehicles
  • Mini-Vans, provided that they are:
    • Made to transport a maximum of 8 people including the driver
    • Are not to be used for hire by others
  • Vans, cargo vans or mini cargo vans (other than mini-vans)
  • Trucks, pick-up trucks or any vehicle that can be spontaneously reconfigured into a pick-up truck)
  • Limousines
  • Off-road vehicles (any vehicle used on roads that are not publicly maintained roads)
  • Motorcycles, mopeds or motor bikes
  • Trailers, campers, recreational vehicles or vehicles not licensed for road use
  • Vehicles towing or propelling trailers or any other object
  • Mini-buses or buses
  • Any vehicle with an MSRP excluding all taxes, over $65,000
  • Exotic vehicles
  • Any vehicle which is either wholly or in part hand made, hand finished or has a limited production of under 2,500 vehicles per year
  • Antique vehicles (any vehicle over 20 years old or which has not been manufactured for ten 10 years or more)
  • Tax-free cars

Limitations & Exclusions

The insurer will not pay for any expenses incurred directly or indirectly as a result of:

  • A replacement vehicle for which your personal automobile insurance is covering all or part of the cost of the rental
  • Third party liability (which means you injure someone else or damage their property in a motor vehicle accident)
  • Your personal injury
  • Damage to property (except the rental vehicle itself or its equipment)
  • The operation of the rental vehicle at any time during which any covered person is driving while intoxicated or under the influence of any narcotic
  • Any dishonest, fraudulent or criminal act committed by any covered person
  • Wear and tear, gradual deterioration, or mechanical or electrical breakdown or failure, inherentvice or damage, insects or vermin
  • Operation of the rental vehicle in violation of the terms of the rental agreement
  • Seizure or destruction under a quarantine or customs regulations or confiscated by order government or public authority
  • Transportation of contraband or illegal trade
  • War, hostile or warlike action, insurrection, rebellion, revolution, civil war, usurped power, or action taken by government or public authority in hindering, combating or defending against such action
  • Transportation of property or passengers for hire
  • Nuclear reaction, nuclear radiation, or radioactive contamination
  • Intentional damage to the rental vehicle by a covered person
  • Expenses due to diminished value of the rental vehicle


Helpful Hints

  • If there is no space on the vehicle rental contract for you to indicate that you have declined the coverage, then indicate in writing on the contract “I decline the CDW provided by this merchant”
  • Do not sign a blank sales draft to cover the damage and loss of use charges or a sales draft with an estimated cost of repair and loss of use charges
  • Check the rental car carefully for scratches or dents before and after you drive the vehicle and be sure to point out where the scratches or dents are located to a rental agency representative


How to Make a Claim

If the vehicle has sustained damage of any kind, call Assured Assistance at 1-800-533-2778 immediately, but in all events within 48 hours.

For your claim to be reviewed, you must submit the following original documentation within 90 days, as applicable:

  • the claim form, completed and signed
  • your RBC MasterCard statement and/or receipt showing that the rental was paid in full with your WestJet RBC World Elite MasterCard and/or WestJet dollars
  • a copy ofyour invoice showing all prepaid expenses (prepaid rental car payment)
  • a copy of your receipt showing amount of WestJet dollars redeemed
  • a copy ofyour previous rental agreements resulting in a free rental
  • the original copy of both sides of the vehicle rental agreement
  • the accident or damage report, including photographs of the damage
  • the itemized repair bill, or if not available, a copy of the estimate
  • receipt for paid repairs
  • the police report, when available
  • a copy of your billing or pre-billing statement if any repair charges were billed to your account
  • a copy of your paid statement or billing indicating the deductible amount (if you have purchased the rental agency’s CDW or similar coverage)

Purchase Security

Personal property and gifts purchased using your WestJet RBC World Elite MasterCard and/or WestJet dollars are insured against all risks of direct accidental physical loss or damage for 90 days from the date of purchase.

If you paid for the personal property or gift using your WestJet dollars, you are insured for the amount of WestJet dollars you redeemed to pay for your purchase.

Note: The maximum amount of coverage is $50,000 (or the equivalent number of WestJet dollars) per WestJet RBC World Elite MasterCard account for each year.


Limitations & Exclusions

The following items are excluded from coverage:

  • Living plants, animals, fish, or birds
  • Money, travellers cheques, bullion, stamps, tickets, tokens, evidence of title or any other negotiable item (including but not limited to gift cards and gift certificates)
  • Jewellery, gems, watches and furs or garments trimmed with fur, if contained in baggage, unless such baggage is hand carried at all times by you, your travelling companion, or family member
  • Automobiles, watercraft, amphibious or air cushion vehicles, aircraft, spacecraft, trailers or outboard motors and other accessories attached to or mounted on such property or any motorized vehicles except motorized lawnmowers, other gardening equipment, snowblowers or motorized wheelchairs for handicapped persons
  • Property illegally acquired, kept, stored or transported, or property seized or confiscated for breach of any law or by order of any public authority
  • Any and all business property and equipment intended for commercial use

The insurer will not pay for any expenses incurred directly or indirectly as a result of:

  • Mysterious disappearance of personal property or gifts, or fraudulent acts by you or your family members
  • After an item is received in good condition, any wear and tear, gradual deterioration, latent defect or inherentvice, marring or scratching of any fragile or brittle article
  • Weather conditions and any natural disaster, including flood or earthquake
  • An act of foreign enemies or rebellion, voluntarily and knowingly exposing yourself to risk from an act of war (declared or not) orvoluntarily participating in a riot or civil disorder
  • Loss or damage resulting from intentional or criminal acts committed or attempted to be committed by you or your family members
  • Loss or damage caused by birds, vermin, rodents or insects
  • Loss or damage to sports equipment and goods where the loss or damage is due to the use thereof
  • Setting, expansion, contraction, bulging, buckling or cracking, dampness or dryness of atmosphere, changes of temperature, freezing, heating, evaporation, loss of weight, leakage of contents, exposure to light, contamination, change in color or texture orfinish, rust or corrosion
  • Delay, loss of use, or consequential damages
  • Loss or damage to electrical appliances or devices of any kind (including wiring) when loss or damage is due to electrical currents artificially generated, including arcing, unless fire or explosion ensues and then onlyfor such loss and damage
  • Loss or damage while undergoing any installation process or while being worked on, where damage results from such installation process or work


How to Make a Claim

If you call Assured Assistance at 1-800-533-2778 at the time of the loss or damage you will receive the necessary claims assistance.

If you do not call Assured Assistance, you must notify the RBC Insurance Claims Centre at 1-800-464-3211 within 30 days of the date of the loss or damage.

For your claim to be reviewed, you must submit the following original documentation within 90 days of the date of the loss or damage, but in all events, no later than 1 year:

  • The insurer’s claim form containing the time, place, cause and amount of the loss or damage
  • A copy of the original merchant’s sales receipt
  • Your RBC MasterCard statement and/or receipt showing that the personal property or gift was paid in full using your WestJet RBC World Elite MasterCard and/or WestJet dollars

Extended Warranty

This insurance plan automatically doubles the original manufacturer’s warranty, up to a maximum extension of one year. Coverage starts immediately following the expiry of the original manufacturer’s warranty, but in no event will the combined Extended Warranty and original manufacturer’s warranty exceed five years.

Items covered by Extended Warranty Insurance must have been purchased using your WestJet RBC World Elite MasterCard and/or WestJet dollars.


Limitations & Exclusions

The following items are excluded from coverage:

  • Living plants, animals, fish, or birds
  • Money, travellers cheques, bullion, stamps, tickets, tokens, evidence of title or any other negotiable item (including but not limited to gift cards and gift certificates)
  • Jewellery, gems, watches and furs or garments trimmed with fur, if contained in baggage, unless such baggage is hand carried at all times by you, your travelling companion, or family member
  • Automobiles, watercraft, amphibious or air cushion vehicles, aircraft, spacecraft, trailers or outboard motors and other accessories attached to or mounted on such property or any motorized vehicles except motorized lawnmowers, other gardening equipment, snowblowers or motorized wheelchairs for handicapped persons
  • Property illegally acquired, kept, stored or transported, or property seized or confiscated for breach of any law or by order of any public authority
  • Any and all business property and equipment intended for commercial use

The insurer will not pay for any expenses incurred directly or indirectly as a result of:

  • Mysterious disappearance of personal property or gifts, or fraudulent acts by you or your family members
  • After an item is received in good condition, any wear and tear, gradual deterioration, latent defect or inherentvice, marring or scratching of any fragile or brittle article
  • Weather conditions and any natural disaster, including flood or earthquake
  • An act of foreign enemies or rebellion, voluntarily and knowingly exposing yourself to risk from an act of war (declared or not) orvoluntarily participating in a riot or civil disorder
  • Loss or damage resulting from intentional or criminal acts committed or attempted to be committed by you or your family members
  • Loss or damage caused by birds, vermin, rodents or insects
  • Loss or damage to sports equipment and goods where the loss or damage is due to the use thereof
  • Setting, expansion, contraction, bulging, buckling or cracking, dampness or dryness of atmosphere, changes of temperature, freezing, heating, evaporation, loss of weight, leakage of contents, exposure to light, contamination, change in color or texture orfinish, rust or corrosion
  • Delay, loss of use, or consequential damages
  • Loss or damage to electrical appliances or devices of any kind (including wiring) when loss or damage is due to electrical currents artificially generated, including arcing, unless fire or explosion ensues and then onlyfor such loss and damage
  • Loss or damage while undergoing any installation process or while being worked on, where damage results from such installation process or work


How to Make a Claim

Note: You must notify the insurer to obtain approval of the repair services and the repair facility before proceeding with any repair services.

If you call Assured Assistance at 1-800-533-2778 at the time of the loss or damage you will receive the necessary claims assistance.

If you do not call Assured Assistance, you must notify the RBC Insurance Claims Centre at 1-800-464-3211 within 30 days of the date of the loss or damage.

For your claim to be reviewed, you must submit the following original documentation within 90 days of the date of the loss or damage, but in all events, no later than 1 year:

  • The insurer’s claim form containing the time, place, cause and amount of the loss or damage
  • A copy of the original merchant’s sales receipt
  • Your RBC MasterCard statement and/or receipt showing that the personal property or gift was paid in full using your WestJet RBC World Elite MasterCard and/or WestJet dollars
  • The original manufacturer’s warranty

Trip Interruption & Delay

If, as a result of one of the covered reasons for interruption occurring during your trip, you are prevented from continuing the trip or are unable to return to your departure point on the original scheduled return date, your eligible expenses are covered up to $5,000 per person and up to $25,000 per trip.

You, your spouse and dependent children, as well as up to 3 travelling companion are all eligible to receive benefits under this insurance when the full cost of the trip is paid for with your WestJet RBC World Elite MasterCard and/or WestJet dollars.


Benefits

In the case of interruption of your trip, you will be reimbursed for the non-refundable unused portion of your prepaid travel arrangements, excluding the cost of prepaid unused transportation back to your departure point. You will also be covered for your economy-class transportation via the most cost-effective route to your departure point, or to your next destination (inbound and outbound).

Note: Travel benefits must be undertaken within 10 days following your originally scheduled return date if your delay is not the result of hospitalization, or within 30 days if it is.


Covered Reasons for Interruption

Medical:

  • Your emergency medical condition or death
  • The emergency medical condition or death of your travelling companion
  • The emergency medical condition or death of your spouse or your dependent child
  • The emergency medical condition or death of a member of your or your travelling companion's family
  • Hospitalization or the death of your host at your destination, your legal business partner or key employee

Other covered reasons:

  • A formal travel advisory issued by Canada's Dept. of Foreign Affairs and International Trade after the purchase of your trip, advising Canadians not to travel to a region originally ticketed for a period that includes your trip
  • Delay of your common carrier causing you to miss a connection or resulting in the interruption of your trip, resulting from:
    • Mechanical failure of that carrier
    • Traffic accident or emergency police-directed road closure
    • Weather conditions
  • A natural disaster that renders your principal residence uninhabitable
  • Your quarantine or hijacking
  • You or your travelling companion being summoned to service in the case of reservists, active military, police, essential medical personnel and fire personnel
  • The legal adoption of a child by you or your travelling companion, when the actual date of that adoption is scheduled to take place after your coverage takes effect and before/during your trip


Limitations & Exclusions

Any expenses incurred directly or indirectly as a result of the following will not be paid:

  • Your lung, heart, or other medical condition, if at any time in the 90 days before coverage is in effect, your condition has not been stable
  • Interruption when you are aware, on the effective date, of any reason that might reasonably prevent you from travelling as booked
  • A trip undertaken to visit or attend an ailing person, when the medical condition or death of that person is the cause of the claim
  • The inability to obtain desired rental accommodation, financial difficulties or unwillingness to travel
  • Your failure to appear at the airport, except in circumstances described as covered reasons
  • Any travel rewards provided by any frequent flyer program, excluding the RBC Rewards program
  • Any medical condition if you undertake your trip with the prior knowledge that you will require or seek treatment of any kind, regardless of whether the treatment is related in any way to the medical condition
  • Routine pre-natal care, any child born during your trip, pregnancy, childbirth or complications of either, occurring in the 9 weeks before or after the expected delivery date
  • Your participation as a professional in sports, participation as a professional in underwater activities, scuba diving as an amateur, participation in a motorized race or motorized speed contest, bungee jumping, parachuting, rock climbing, mountain climbing, hang-gliding or skydiving
  • Your committing or attempting to commit a criminal offence
  • Your intentional self-inflicted injury, your suicide or your attempt to commit suicide (whether sane or insane)
  • Your mental or emotional disorders
  • Any medical condition, arising from, or in any way related to, your chronic use of alcohol or drugs whether prior to or during your trip
  • Your abuse of medication, drugs or alcohol or deliberate non-compliance with prescribed medical therapy or treatment whether prior to or during your trip
  • Act of foreign enemies or rebellion, voluntarily and knowingly exposing yourself to risk from an act of war (declared or not) orvoluntarily participating in a riot or civil disorder
  • Ionizing radiation or radioactive contamination from any nuclear fuel or waste which results from the burning of nuclear fuels; or, the radioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it


How to Make a Claim

Call Assured Assistance at 1-800-533-2778 immediately to receive the necessary claims assistance.

If you do not call Assured Assistance, you must notify the RBC Insurance Claims Center at 1-800-464-3211 within 30 days of the date of the cause of interruption or delay to obtain a claim form.

For your claim to be reviewed, you must submit the following information within 90 days of the date of the cause of the interruption or delay, but in all events, no later than 1 year:

  • The completed claim form
  • The medical certificate fully completed by the legally qualified physician in active personal attendance and in the locality where the medical condition occurred stating the reason why travel was not recommended
  • A copy of your RBC MasterCard statement or itemized receipt showing that your payment for your trip was paid in full with your WestJet RBC World Elite MasterCard and/or WestJet dollars
  • Written evidence of the covered reason which was the cause of the cancellation
  • Complete original unused transportation tickets and vouchers
  • Receipts for the prepaid land arrangements
  • Original passenger receipts for new tickets
  • Reports from police, common carrier or local authorities documenting the cause of the missed connection
  • Detailed invoices and/or receipts from the service provider(s)

Flight Delay

If your scheduled flight departure is delayed by more than 4 hours, then you will be reimbursed up to $250 per day per person and up to a maximum of $500 per occurrence for the reasonable and necessary expenses you incur. In addition, if you miss a connecting flight due to the delay of your incoming flight, or you are denied boarding your confirmed scheduled flight due to the airline's overbooking, and in either of these cases alternative transportation is not made available to you within 4 hours, you will also be reimbursed.

Reasonable and necessary expenses include hotel accommodation, restaurant meals, refreshments, emergency purchases and other sundry items (such as a magazine, paperback book and other such small items).

This insurance is effective when the full cost of your airline ticket is paid with your WestJet RBC World Elite MasterCard and/or WestJet dollars, and your luggage is checked with that airline.

Note: Reasonable and necessary expenses must be incurred within 48 hours of the delay or denied boarding.


Exclusions

The insurer will not pay for any expenses incurred directly or indirectly as a result of:

  • Any emergency purchases made afteryour luggage was returned to you
  • Any losses incurred at the final destination of the return portion ofyour trip
  • Your failure to check your luggage within the minimum guidelines published by the air carrier
  • The insufficient allotment of time for connecting flights according to air carrier recommendations
  • An act of foreign enemies or rebellion, voluntarily and knowingly exposing yourself to risk from an act of war (declared or not) orvoluntarily participating in a riot or civil disorder
  • Your committing or attempting to commit a criminal offence
  • Your being denied boarding by immigration officials or other authorities
  • Your inebriated state


How to Make a Claim

If you call Assured Assistance at 1-800-533-2778 at the time of the flight delay, missed connection, or denied boarding, you will receive the necessary claims assistance.

If you do not call Assured Assistance, you must notify the RBC Insurance Claims Centre at 1-800-464-3211 within 30 days.

For your claim to be reviewed, you must submit the following original documentation within 90 days of the date of the delay, but in all events, no later than 1 year:

  • Airline tickets
  • Your RBC MasterCard statement and/or itemized receipt showing that the airline ticket was paid in full using your WestJet RBC World Elite MasterCard and/or WestJet dollars
  • The air carrier’s report substantiating the reason for the flight delay, missed connection, or denied boarding
  • Receipts for hotel accommodation, restaurant meals, refreshments, emergency purchases and other sundry items

Travel Medical Emergency

This insurance covers reasonable and customary expenses, in excess of any medical expenses payable by your GHIP or any other insurance plan, for emergency treatment medically required during your trip as a result of a medical emergency.

Unless otherwise noted, the maximum benefit for emergency medical insurance is unlimited.

You will be covered for:

  • 15 days if you're under 65
  • 3 days if you're 65 or older


Automatic Extension of Coverage

Coverage automatically extends beyond the 15-day/3-day limit as follows:

  • When you are hospitalized due to a medical emergency beyond the 15-day/3-day limit, your coverage will remain in force during your hospitalization and up to 5 days following your discharge from the hospital
  • Coverage is automatically extended for up to 5 days when you must delay your return beyond the 15-day/3-day limit due to a medical emergency
  • Coverage is automatically extended for up to 72 hours when the delay of a plane, bus, ship or train in which you are a passenger causes your trip to extend beyond the 15-day/3-day limit


Coverage Benefits

  • Hospital and medical expenses (includes the cost of a registered private nurse up to $10,000, if recommended by a physician)
  • Emergency dental expenses (up to $2,000 if received within 90 days of the injury, and up to $200 for the emergency relief of dental pain during your trip)
  • Other emergency services (covers the cost for professional services when ordered by a physicican, up to $250 per person per profession)
  • Emergency air transportation or evacuation
  • Return of deceased
  • Additional hotel and meal expenses (up to $150 per day, to a maximum of $1,500)
  • Bringing relative to bedside (covers the cost of a round-trip economy class transportation to have a relative visit you when you are hospitalized during your trip, up to $300 for meal and hotel accommodation expenses)
  • Return of vehicle
  • Return of dependent child(ren)
  • Return of your excess baggage (up to $500)


Limitations & Exclusions

You are not covered for any expenses incurred directly or indirectly as a result of:

  • Your pre-existing lung, heart, or other medical condition, if before you depart on your trip, your condition has not been stable (90 days if you're under 75, 180 days if you're 75 or over)
  • Any medical condition for which you are awaiting the outcome of medical tests, or for which future investigation or treatment (except routine monitoring) is planned before your trip
  • The (continued) treatment, investigation, recurrence or complication of any lung, heart, or other medical condition following emergency treatment for that condition during your trip, if the medical advisors determine that you were medically able to return to your province of residence and you chose not to return
  • Any treatment that is not emergency treatment
  • Routine care of a chronic condition
  • Any medical condition for which it was reasonable, prior to departure, to expect treatment or hospitalization during your trip
  • Symptoms which would have caused an ordinarily prudent person to seek treatment or medication in the 90 days before your trip
  • Your medical emergency or condition, if the reason for it is associated in any way with a written formal travel warning issued (before your coverage takes effect) by Canada's Dept. of Foreign Affairs and International Trade, advising Canadians not to travel to the country, region or city of your trip
  • Any portion of the benefits that require prior authorization and arrangement by Assured Assistance if such benefits were not pre-authorized and arranged by them
  • Invasive testing or surgery unless approved by Assured Assistance prior to being performed
  • Any medical condition if you undertake your trip with the prior knowledge that you will require or seek treatment, surgery, investigations, palliative care or alternative therapy of any kind, regardless of whether such treatment is related in any way to the medical condition
  • Any of the following:
    • routine pre-natal care
    • complications of pregnancy occurring within 9 weeks before or after the expected date of delivery
    • complications of childbirth occurring within 9 weeks before or after the expected date of delivery
  • Any child born during the trip
  • Your participation as a professional in sports or underwater activities, scuba diving as an amateur, or your participation in a motorized race or motorized speed contest, bungee jumping, parachuting, rock climbing, mountain climbing, hanggliding or skydiving
  • Your committing or attempting to commit a criminal offence
  • Your intentional self-inflicted injury, suicide or attempted suicide (whether sane or insane)
  • Your mental or emotional disorders
  • Any medical condition, arising from, or in any way related to, your chronic use of alcohol or drugs whether prior to or during your trip
  • Your abuse of medication, drugs or alcohol or deliberate non-compliance with prescribed medical therapy or treatment whether prior to or during your trip
  • Act of foreign enemies or rebellion, voluntarily and knowingly exposing yourself to risk from an act of war (declared or not) or voluntarily participating in a riot or civil disorder
  • Treatment or surgery for a medical condition, or a related condition, which had caused your physician to advise you not to travel
  • Any medical condition if the medical advisors recommend that you return to your country of residence following emergency treatment you have received, and you chose not to return
  • Ionizing radiation or radioactive contamination from any nuclear fuel or waste that results from the burning of nuclear fuels; or the radioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it


How to Make a Claim

Call Assured Assistance at 1-800-533-2778 before you receive emergency services, or as soon as medically possible to receieve the necessary claims assistance.

If you don't call Assured Assistance before you seek emergency treatment, or if you choose to seek care from a non-approved medical service provider, you will be responsible for 20% of your medical expenses covered under this insurance (and not recovered from your GHIP), to a maximum of $25,000.

Should your medical condition prevent you from calling Assured Assistance before seeking emergency treatment, you must call as soon as medically possible or someone else may call on your behalf. You must submit the information required for your claim within 90 days of the date of the emergency treatment or other expenses were first incurred. If this is not reasonably possible, you must do so within 1 year or your claim will not be reviewed.

For your claim to be reviewed, you must submit the following information:

  • The completed claim form
  • Originals of all bills, invoices and receipts from the service provider(s)
  • Any required government health insurance plan form
  • Proof of any payment(s) or denial(s) made by other insurance plan(s)
  • A complete diagnosis from the physician(s) and/or hospital(s) that provided the treatment, including, where applicable, written verification from the physician who treated you during your trip that the expenses were medically necessary

Lost Baggage Insurance

In the event that your checked luggage is permanently lost, you will be reimbursed up to $500 per person and up to a maximum of $2,500 per trip for the reasonable and necessary expenses you incur for the minimum essential clothing and toiletries.

This insurance is effective when the full cost of your airline ticket is paid with your WestJet RBC World Elite MasterCard and/or WestJet dollars, and your luggage is checked with that airline.


Exclusions

The insurer will not pay for any expenses incurred directly or indirectly as a result of:

  • Any emergency purchases made afteryour luggage was returned to you
  • Any losses incurred at the final destination of the return portion ofyour trip
  • Your failure to check your luggage within the minimum guidelines published by the air carrier
  • The insufficient allotment of time for connecting flights according to air carrier recommendations
  • An act of foreign enemies or rebellion, voluntarily and knowingly exposing yourself to risk from an act of war (declared or not) orvoluntarily participating in a riot or civil disorder
  • Your committing or attempting to commit a criminal offence
  • Your being denied boarding by immigration officials or other authorities
  • Your inebriated state


How to Make a Claim

If you call Assured Assistance at 1-800-533-2778 at the time of the loss you will receive the necessary claims assistance.

If you do not call Assured Assistance, you must notify the RBC Insurance Claims Centre at 1-800-464-3211 within 30 days of the date of the loss.

For your claim to be reviewed, you must submit the following original documentation within 90 days of the date of the loss, but in all events, no later than 1 year:

  • Airline tickets
  • Your RBC MasterCard statement and/or itemized receipt showing that the airline ticket was paid in full using your WestJet RBC World Elite MasterCard and/or WestJet dollars
  • The air carrier’s report substantiating the reason for the loss of your checked luggage
  • Receipts for hotel accommodation, restaurant meals, refreshments, emergency purchases and other sundry items

Delayed Luggage Insurance

If your checked luggage is delayed by more than 4 hours from the time of your arrival at the scheduled destination, you will be reimbursed up to $500 per person and up to a maximum of $2,500 per trip for the reasonable and necessary expenses you incur for the minimum essential clothing and toiletries.

This insurance is effective when the full cost of your airline ticket is paid with your WestJet RBC World Elite MasterCard and/or WestJet dollars, and your luggage is checked with that airline.

Emergency purchases must be made before your checked luggage is returned to you and no later than 4 days after you've arrived at the scheduled destination.


Exclusions

The insurer will not pay for any expenses incurred directly or indirectly as a result of:

  • Any emergency purchases made afteryour luggage was returned to you
  • Any losses incurred at the final destination of the return portion ofyour trip
  • Your failure to check your luggage within the minimum guidelines published by the air carrier
  • The insufficient allotment of time for connecting flights according to air carrier recommendations
  • An act of foreign enemies or rebellion, voluntarily and knowingly exposing yourself to risk from an act of war (declared or not) orvoluntarily participating in a riot or civil disorder
  • Your committing or attempting to commit a criminal offence
  • Your being denied boarding by immigration officials or other authorities
  • Your inebriated state


How to Make a Claim

If you call Assured Assistance at 1-800-533-2778 at the time of the delay you will receive the necessary claims assistance.

If you do not call Assured Assistance, you must notify the RBC Insurance Claims Centre at 1-800-464-3211 within 30 days of the date of the delay.

For your claim to be reviewed, you must submit the following original documentation within 90 days of the date of the delay, but in all events, no later than 1 year:

  • Airline tickets
  • Your RBC MasterCard statement and/or itemized receipt showing that the airline ticket was paid in full using your WestJet RBC World Elite MasterCard and/or WestJet dollars
  • The air carrier’s report substantiating the reason for the delay of your checked luggage
  • Receipts for hotel accommodation, restaurant meals, refreshments, emergency purchases and other sundry items

Hotel/Motel Burglary

If your personal property is lost or damaged as a result of wrongful entry, indicated by visible signs of force, into your hotel room, motel room, or cruise cabin while you are a registered guest, you will be reimbursed up to a maximum of $2,500 per burglary occurrence for the repair or replacement of your personal property.

Coverage begins at the actual time you check into your hotel room, motel room, or cruise cabin, provided that your hotel room, motel room, or cruise cabin is paid with your WestJet RBC World Elite MasterCard card and/or WestJet dollars.

The insurer will pay for the lesser of the following amounts:

  • $2,500 in the aggregate per burglary occurrence
  • The actual replacement value of your personal property at the time of burglary
  • The amount for which your personal property could be replaced with property of like kind and quality if an identical replacement cannot reasonably be obtained
  • The amount for which your personal property could be repaired to its condition prior to the burglary


Limitations & Exclusions

The insurer will not pay for any expenses incurred directly or indirectly as a result of:

  • The loss of cash or traveller’s cheques
  • Your failure to take reasonable precautions to safeguard your personal property or to secure your hotel room, motel room, or cruise cabin
  • An act of foreign enemies or rebellion, voluntarily and knowingly exposing yourself to risk from an act of war (declared or not) or voluntarily participating in a riot or civil disorder
  • Your committing or attempting to commit a criminal offence
  • Burglary of your rental property


How to Make a Claim

If you call Assured Assistance at 1-800-533-2778 at the time of the burglary you will receive the necessary claims assistance.

If you do not call Assured Assistance, you must notify the RBC Insurance Claims Centre at 1-800-464-3211 within 30 days of the date of the burglary.

For your claim to be reviewed, you must submit the following original documentation within 90 days of the date of the burglary, but in all events, no later than 1 year:

  • Charge slip for the hotel room, motel room or cruise cabin
  • Your RBC MasterCard statement and/or receipt showing that the hotel room, motel room or cruise cabin was paid in full using your card and/or WestJet dollars
  • A police report that confirms the burglary
  • The hotel, motel or cruise company’s burglary report
  • Receipts for the repair or replacement of your personal property


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