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[an error occurred while processing this directive] Managing Your Card > Documentation > Insurance Certificates
Introduction
IMPORTANT — PLEASE READ: This Certificate of Insurance is a valuable source of information and contains provisions that may limit or exclude coverage. Please read this Certificate of Insurance, keep it in a safe place and carry it with you when you travel.
RBC Insurance Company of Canada (the "Insurer") has issued group insurance policy U-1014451-A to Royal Bank of Canada ("RBC Royal Bank"), to cover emergency medical expenses incurred by covered persons while outside their Canadian province or territory of residence. This Certificate of Insurance summarizes the provisions of this group insurance policy.
All italicized terms have the specific meaning explained in the "Definitions" section of this Certificate of Insurance.
If you have a medical emergency, you must call Assured Assistance Inc. (Assured Assistance) before you receive emergency services. Of course, if your medical condition prevents you from calling, we understand — you must call as soon as medically possible or, as an alternative, someone else may call on your behalf (relative, friend, nurse or doctor).
Assured Assistance can be contacted by calling:
1-800-533-2778 toll-free from the US & Canada, or
905-816-2581 collect from anywhere in the world
If you do not call Assured Assistance or if you choose to seek care from a non-approved medical service provider, you will be responsible for a portion of your medical expenses as outlined under "Limitations of Coverage".
Throughout this document, all italicized terms have the specific meaning explained below.
Applicant means a person who has signed and submitted an application as the applicant for an RBC Royal Bank Visa Gold Preferred card and in whose name the card account is established.
Cardholder means any person (includes applicants, co-applicants and authorized users), to whom RBC Royal Bank has issued an RBC Royal Bank Visa Gold Preferred card.
Covered person means any of the following persons who are under the age of 65 and have a valid government health insurance plan: the applicant, the cardholder, the cardholder's spouse, or a dependent child who travels with or joins the cardholder or the cardholder's spouse on the same trip. A co-applicant or an authorized user to whom RBC Royal Bank has issued an RBC Royal Bank Visa Gold Preferred card is a covered person in his/her own right. A covered person may be referred to as "you" or "your" or "yourself". A co-applicant's or authorized user's spouse and/or dependent child are not eligible for this insurance. The spouse and/or dependent child of the cardholder are no longer covered when the cardholder turns the age of 65.
Departure point means the province or territory you depart from on the first day of your intended trip.
Dependent child means a dependent unmarried natural, adopted, step or foster child of the cardholder who is covered under a government health insurance plan and is:
Emergency services means any treatment, surgery or medication that:
The emergency services must be ordered by or received from a physician or received in a hospital during your trip.
Government health insurance plan means the health insurance coverage that Canadian provincial and territorial governments provide for their residents.
Hospital means an institution licensed to treat patients on an in-patient, out-patient and emergency basis, which has an operating room and laboratory, and which is operated under the supervision of a staff of physicians. It does not include any establishment which is licensed or used principally as a clinic, extended or palliative care facility, rehabilitation facility, convalescent, rest or nursing home, home for the aged, health spa or addiction treatment centre.
Hospitalization means a stay of at least 48 hours in a hospital for emergency medical treatment, which cannot be postponed.
Medical condition means accidental bodily injury or sickness (or a condition related to that accidental bodily injury or sickness), including disease, acute psychoses and complications of pregnancy occurring within the first 31 weeks of pregnancy.
Medical emergency means any unexpected or unforeseen sickness or bodily injury that occurs during the period of coverage and makes it necessary for you to receive immediate treatment from a physician or to be hospitalized.
Mountain climbing means the ascent or descent of a mountain requiring the use of specialized equipment, including crampons, pick-axes, anchors, bolts, carabiners and lead- or top-rope anchoring equipment.
Physician means someone who is not you or a member of your family who is licensed to prescribe drugs and administer medical treatment (within the scope of such license) at the location where the treatment is provided. A physician does not include a naturopath, herbalist or homeopath.
Prescription drugs means drugs and medicines that can only be issued upon the prescription of a physician or dentist and are dispensed by a licensed pharmacist.
Spouse means the person who is legally married to you, or has been living in a conjugal relationship with you for a continuous period of at least one year and who resides in the same household as you.
Stable means any medical condition or related condition (including any heart condition or any lung condition) for which there have been:
for that medical condition or related condition (including any heart condition or any lung condition).
Trip means travel outside your Canadian province or territory of residence.
This insurance provides coverage whenever you leave your province or territory of residence. You will be covered for the first 31 consecutive days of a trip, including the date you leave on your trip and the date you return from your trip. Coverage automatically extends beyond the 31-day limit as follows:
Coverage ends at the earliest of:
This insurance covers reasonable and customary expenses, in excess of any medical expenses payable by your government health insurance plan or any other insurance plan, for emergency services medically required during your trip as a result of a medical emergency.
Hospital & Medical Expenses
Covers the cost of a medical emergency including hospital, surgical and medical treatment. Eligible expenses include the following when ordered by a physician during your trip:
Emergency Dental Expenses
Covers the cost of the following dental expenses when ordered by, or received from, a licensed dentist:
Physiotherapy and Other Professional Services
Covers the cost for professional services of a physiotherapist, chiropractor, osteopath, chiropodist or podiatrist to a maximum of $250 per profession, when ordered by a physician during your trip.
Emergency Air Transportation or Evacuation
Covers the cost of the following, when medically required and approved in advance and arranged through Assured Assistance:
Return of Deceased
Covers:
If someone is legally required to identify your remains, this insurance covers the cost of a round-trip economy class transportation by the most cost effective route and up to $300 for meal and hotel accommodation expenses for that person. That person is covered under the terms of your insurance during the period in which he or she is required to identify your remains, but for no longer than 3 business days.
Additional Hotel & Meal Expenses
Covers the cost of up to $150 per day, to a maximum of $1,500, for meal and commercial accommodation expenses covered persons have incurred after the date you are scheduled to return to the departure point, when your return is delayed due to your medical emergency or when you are relocated to receive medical attention.
Bringing Relative to Bedside
Covers the cost of round-trip economy class transportation by the most cost effective route, to have someone visit you when you are hospitalized during your trip for more than 3 days. However, if you are under age 21, or age 21 and over and physically handicapped and dependent on your bedside companion for support, this insurance provides this benefit to you as soon as you are admitted to a hospital. That person is entitled to a maximum of $300 for meal and hotel accommodation expenses and is covered under the terms of your insurance during the period in which he or she is required at your bedside. The visit must be approved in advance through Assured Assistance.
Return of Vehicle
Covers the reasonable costs for a commercial agency, when arranged and approved through Assured Assistance, to return a vehicle to your residence or to a commercial rental agency, when you are unable to return the vehicle due to a medical emergency. The vehicle can be a private passenger automobile, self-propelled mobile home, camper truck or trailer home that you own or rent and which you use during your trip.
Return of Dependent Children
If dependent children insured under your insurance travel with or join you during your trip, and you are hospitalized for more than 24 hours, or you must return to Canada because of your medical emergency covered under this insurance, this insurance covers, when arranged and approved through Assured Assistance, the extra cost of one-way economy transportation by the most cost effective route to the dependent children's point of departure and the cost of return economy transportation for an escort, when an escort is deemed necessary by the carrier.
If you do not call Assured Assistance before you seek emergency services, 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 government health insurance plan, to a maximum of $25,000. If, after reimbursement by your government health insurance plan, your claim exceeds $25,000, this insurance will pay 100% of any eligible expenses over and above $25,000.
Should your medical condition prevent you from calling Assured Assistance before seeking emergency services, you must call as soon as medically possible or someone else may call on your behalf.
This insurance does not pay for any expenses incurred directly or indirectly as a result of:
The Insurer will not pay for any expenses incurred directly or indirectly as a result of:
If you call Assured Assistance at the time of the medical emergency as shown under "What to do in a medical emergency?" you will receive the necessary claims assistance.
If you do not call Assured Assistance, you must notify the Claims Centre of your claim within 30 days of the date medical or other expenses were first incurred.
[an error occurred while processing this directive]For your claim to be reviewed, you must submit the following information:
Service | Contact |
---|---|
Address |
RBC Insurance Company of Canada Claims Centre PO Box 97, Station A Mississauga, ON L5A 2Y9 |
Phone | 1-800-464-3211 |
You must submit the information required for your claim within 90 days of the date medical or other expenses were first incurred. If it is not reasonably possible to provide such information within 90 days, you must do so within one year or your claim will not be paid.
The Claims Centre will pay your claim or advise you of the decision not to pay your claim within 60 days of receiving all of the required information.
During the processing of a claim, the Insurer may require you to undergo a medical examination by one or more physicians selected by the Insurer and at the Insurer's expense.
You agree that the Insurer and its agents have:
After the Insurer pays your health care provider or reimburses you for covered expenses, it will seek reimbursement from your government health insurance plan and any other medical insurance plan under which you may have coverage. You may not claim or receive in total more than 100% of your total covered expenses or the actual expenses which you incurred, and you must repay to us any amount paid or authorized by the Insurer on your behalf if and when the Insurer determines that the amount was not payable under the terms of your policy.
If you are retired and your former employer provides to you under an extended health insurance plan, a lifetime maximum coverage of:
If you are actively employed and your current employer provides to you under a group health plan, a lifetime maximum coverage of:
If you disagree with the claim decision of the Insurer, the matter will be submitted to arbitration under the arbitration law in the Canadian province or territory in which you permanently reside. You must begin arbitration proceedings to recover a claim within 12 months of the occurrence. If, however, this limitation is invalid according to the laws of the Canadian province or territory where you permanently reside, you must commence your claim within the shortest time limit permitted by that province or territory. All arbitration proceedings must be brought in the Canadian province or territory in which you permanently reside. Where requested by the Insurer, you consent to the transfer of any proceedings to the province or territory where you permanently reside.