infinite avion travel insurance covid

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The 5 Best COVID-19 Travel Insurance Options for 2023

Travelex Insurance Services »

Allianz Travel Insurance »

World Nomads Travel Insurance »

Generali Global Assistance »

IMG Travel Insurance »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best COVID Travel Insurance Options.

Table of Contents

• Rating Details
• Travelex Insurance Services
• Allianz Travel Insurance

Even though COVID-19 is no longer considered a global emergency, concerns around illness-related costs remain for many travelers. If you're looking for travel insurance that covers COVID – as well as other potential disruptions like flight delays and lost luggage – these are your best options.

• Travelex Insurance Services: Best Optional Coverage Add-ons
• Allianz Travel Insurance: Best for Multitrip and Annual Plans
• World Nomads Travel Insurance: Best for Active Travelers
• Generali Global Assistance: Best for Comprehensive Travel Insurance
• IMG Travel Insurance: Best for Travel Medical Insurance

Best COVID Travel Insurance Options in Detail

Plans include coverage for COVID-19

Optional CFAR coverage is available with Travel Select plan

Some coverages require an upgrade, including rental car collision, accidental death and dismemberment, and more

Not all add-ons are available with every plan

Allianz offers some travel insurance plans that come with an epidemic coverage endorsement

Single-trip, multitrip and annual plans available

COVID-19 benefits don't apply to every plan

Low coverage limits with some plans (e.g., only $10,000 in emergency medical coverage with OneTrip Basic plan)

24-hour travel assistance services included

More than 200 sports and activities covered in every plan

Low trip cancellation benefits ($2,500 maximum) with Standard plan

No CFAR option is offered

Free 10-day trial period

Some coverage limits may be insufficient

Rental car damage coverage only included in top-tier Premium plan

Offers travel medical insurance, international travel health insurance and general travel insurance plans

Some plans include robust coverage for testing and quarantine due to COVID-19

Not all plans from IMG offer coverage for COVID-19

Cancel for any reason coverage not available with every plan

Frequently Asked Questions

When comparing COVID-19 travel insurance options, you'll want to make sure you fully understand the coverages included in each plan. For example, you should know the policy inclusions and limits for COVID-related claims, including coverage for testing, treatments, trip cancellation or COVID-related interruptions that can occur. Meanwhile, you should understand how your coverage will work if you contract some other illness while away from home.

Also ensure your travel insurance coverage will kick in for other mishaps that occur, and that limits are sufficient for your needs. If you're planning a trip to a remote area in a country like Costa Rica or Peru , you'll want to have emergency evacuation and transportation coverage with generous limits that can pay for emergency transportation to a hospital if you need treatment.

You can also invest in a travel insurance policy that offers cancel for any reason coverage. This type of travel insurance plan lets you cancel and get a percentage of your prepaid travel expenses back for any reason, even if you just decide you're better off staying home.

It depends on your private health insurance provider and/or travel insurance policy. As of May 11, 2023, private health insurers are no longer required to cover the cost of COVID-19 testing. Out-of-pocket costs for COVID-19 test kits at local drugstores and on Amazon are relatively affordable, however.

As you search for plans that will provide sufficient coverage for your next trip, you'll find travel insurance that covers COVID-19 quarantine both inside and outside the United States. However, you'll typically need to have your condition certified by a physician in order for this coverage to apply. Also make sure your travel insurance plan includes coverage for travel claims related to COVID-19 in the first place.

Many travel insurance plans do cover trip cancellation as a result of COVID-19, although the terms vary widely. You typically need to be certified by a physician in order to prove your condition. Disinclination to travel because of COVID-19 – such as fear of exposure to illness – will generally not be covered. This means you will actually have to test positive for coronavirus for benefits to apply; simply not wanting to travel is not a sufficient reason to make a claim.

If you want more flexibility in your COVID-19 travel insurance, ensuring you have a cancel for any reason policy may be your best bet, but be sure to check with your chosen travel insurance provider to assess your options.

Why Trust U.S. News Travel

Holly Johnson is an award-winning writer who has been covering travel insurance and travel for more than a decade. She has researched the best travel insurance options for her own trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. Over the years, Johnson has successfully filed several travel insurance claims for trip delays and trip cancellations. Johnson also works alongside her travel agent partner, Greg, who has been licensed to sell travel insurance in 50 states.

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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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How to Find Travel Insurance That Offers COVID Coverage

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Table of Contents

Does travel insurance cover COVID?

What is not covered, finding travel insurers covering covid-19, the best covid travel insurance, covid travel insurance, recapped.

Traveling now carries with it more uncertainty than ever before. If you plan on traveling anytime soon, one thing you can do to protect yourself is get a trip insurance policy that includes coronavirus coverage. Previously, many insurers excluded COVID-related claims due to the virus’ status as a foreseen event/pandemic.

But now, some insurers are changing their tune. Here’s what you need to know about how to find travel insurance providers that offer coronavirus-related coverage, as well as what is and isn’t covered.

Coronavirus coverage falls into several categories:

Trip cancellation: You need to cancel a trip prior to departure because you, a covered travel companion or possibly someone you need to care for contracted COVID-19.

Trip delay: Your trip is delayed due to changing COVID-related guidelines.

Travel medical coverage : You (or a covered travel companion) become ill with COVID-19 while traveling abroad and incur health care expenses or require an evacuation.

Of providers that are offering COVID policies, most are covering these expenses.

» Learn more: The majority of Americans plan to travel this year, according to recent NerdWallet study

Countries with Level 4 travel advisories: Some insurers disclose that if a Level 4 Do Not Travel advisory is issued by the U.S. Department of State for a specific country, you will not receive coronavirus-related coverage. With cases surging in various countries unexpectedly, the list of Level 4 countries is constantly changing. Before booking a trip and purchasing a policy, make sure to check that the country does not have a Level 4 advisory.

Fear of getting sick while traveling: Canceling a trip because you’re afraid you’ll get sick does not qualify for coverage under your travel insurance policy. Travel insurance providers have a list of standard reasons that qualify for cancellation, including: car accident, jury duty, terrorist act, military duty and other extenuating circumstances. If you want ultimate flexibility to cancel a trip (no matter the reason), you’ll want to look into the cancel for any reason, or CFAR, supplemental upgrade , which is offered on some travel insurance plans. When you purchase CFAR, you can get up to 75% of your nonrefundable deposit back as long as you cancel at least two days in advance. Not all plans offer CFAR as an option, so research before you purchase if you're interested in this add-on.

COVID-related events not directly related to you: If you planned on going to a conference or a family reunion that was canceled due to COVID-associated concerns, your travel insurer will not reimburse your nonrefundable flight or hotel accommodations.

» Learn more: The best travel insurance companies right now

Generally, the policies underwritten by U.S.-based travel insurance providers vary by state, trip information, traveler’s ages and other various details. Travel insurance comparison site Squaremouth (a NerdWallet partner) is one of the very few comparison sites that allows you to filter by policies that offer coronavirus coverage.

To find a policy that specifically covers coronavirus-related losses, input your departure and return dates, your main destination and select “Search for Policies Now.”

In our example, we input the following details: A $3,000 paid-in-full trip to Greece leaving on Oct. 9 and returning on Oct. 18 by a 40-year old U.S. citizen who is a resident of California. The policy will include trip cancellation coverage.

When incorporating the “Coronavirus Pandemic” filter, the results reveal that 57 out of 100 policies include this coverage. You can select additional filters, such as cancel for any reason, if you’re looking for that optional upgrade.

The results can be sorted by price, top sellers, top reviews and insurance providers, offering plenty of ways to easily search for the specific policy you’re looking for.

Each of the top three policies (which is just a sampling of the nearly 60 options) includes coronavirus cancellation and medical coverage, and displays the associated limits. Trip cancellation coverage is $3,000, representing the value of the trip. The price of the policy is clearly stated and ranges from 4.8% to 6.1% of the total trip cost. This range represents very typical travel insurance costs .

» Learn more: Is travel insurance worth it?

A recent NerdWallet analysis determined providers Berkshire Hathaway Travel Protection , IMG and John Hancock Insurance Agency , Inc., among others.

Read the full results of best COVID-19 travel insurance .

Once you narrow your search, you’ll want to review the full policy details to ensure you’re familiar with what exactly is covered and not covered.

If you have specific questions — especially as they relate to the constantly changing travel advisories or whether coronavirus is considered as a foreseen event (which some providers will not cover) — you’ll want to reach out to the insurer. The last thing you want is to purchase travel insurance and later find out it will not cover you in your intended destination.

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 2023 , 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 a similar note...

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Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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INF SAFE TRAVELER USA IVAS

The INF Safe Traveler USA IVAS Plan is a comprehensive accident & sickness plan for visitors without known pre-existing conditions, when purchased before the start of your trip for at least 30 days and no more than 364 days, which is the Maximum Period of Coverage.

INF Safe Traveler USA IVAS Plan is not available to US residents and is only available to non-US residents

INF Safe Traveler USA International Visitor Accident & Sickness Insurance (IVAS)

The INF Safe Traveler USA IVAS Plan is a comprehensive accident & sickness plan for visitors without known pre-existing conditions, when purchased before the start of your trip for at least 30 days and no more than 364 days, which is the Maximum Period of Coverage. Safe Traveler USA covers non-US Residents traveling to the United States, Canada or Mexico in all age groups, from age 0 to 99 years old.

INF Safe Traveler USA IVAS Plan

As a plan member you will also have access to additional non-insurance features when traveling to the usa including:.

• Access to a Careington discount program at no additional cost with the INF Safe Traveler USA IVAS Plan. Careington coordinates this discount program, which provides savings on Dental, Vision, Prescription, & Hearing products & services in the United States. For example, you may see savings of up to 50% for Dental procedures! For more information on benefits of the discount program, please visit our page on the Discount Card Program. This Discount card program is not an insurance product and is not insured by Crum & Forster SPC. This is not insurance.

• As a plan member, you will be provided access to DoctorPlease- a telehealth feature which allows plan member to access medical care from the comfort of their own home. While in the United States, DoctorPlease allows plan member to schedule an appointment with healthcare provider that is credentialed, certified and highly trained, and typically arrange medical care within 1 hour. The doctor will video or audio chat with you and if required, send a prescription to the nearest pharmacy (note that prescriptions may require out of pocket expense if they are not eligible expenses). DoctorPlease can be used for any non life threatening conditions. This is not an insurance product and is not insured by Crum & Forster SPC. DoctorPlease only provides access to and helps arrange the telehealth visits. Any eligible benefits are paid under the terms of IVAS Traveler USA insurance policy.

INF Safe Traveler USA IVAS Plan Coverages

Total Maximum per Accident or Sickness Expense Benefits

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INF Safe Traveler USA IVAS

Schedule of benefits, co-insurance with inf safe traveler usa ivas (note: all emergency admissions are considered in-network and paid at 80% or 90%).

​80% or 90% of charges up to the Total Maximum for All Accident or Sickness Expense Benefits

60% or 70% of the Usual and Customary Charges up to the Total Maximum for All Accident or Sickness Expense Benefits

Safe Traveler USA Plan Description

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Read INF Safe Traveler USA Plan Description for Age 70-99

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Benefits are provided for eligible Insured Persons. Terms and conditions are briefly outlined in this summary of coverage. Complete provisions pertaining to this insurance are contained in the Plan. In the event of any conflict between this summary of coverage and the Plan, the Plan will govern. The Plan is a short term limited duration Plan renewable at the option of the insurer. This is a brief description of the important features of the insurance plan. It is not a contract of insurance. The terms and conditions of coverage are set forth in the plan issued to ITA Global Trust, LTD. For a detailed plan description, exclusions, and limitations please view the plan on file with INF. This insurance is not subject to, and will not be administered as a PPACA (Patient Protection and Affordable Care Act) insurance plan. PPACA requires certain US residents and citizens obtain PPACA compliant insurance coverage. This plan is not designed to cover US residents and citizens. This Plan is not subject to guaranteed issuance or renewal. By purchasing this insurance, you become a member of the ITA Global Trust, LTD. PPO Networks are not provided by Crum & Forster, SPC

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Please note that sensitive health and other information that you provide may be used by us, our representatives, the insurers and industry governing bodies and regulators to process your insurance, handle claims and prevent fraud. This may involve transferring information to other countries (some of which may have limited, or no data protection laws). We have taken steps to ensure your information is held securely. Where sensitive personal information relates to anyone other than you, you must obtain the explicit consent of the person to whom the information relates both to the disclosure of such information to us and its use as set out above. Information we hold will not be shared with third parties for marketing purposes. You have the right to access your personal records.

This insurance is not subject to and does not provide certain insurance benefits required by the United States’ Patient Protection and Affordable Care Act (“PPACA”). This coverage is not a general health insurance product, but is intended for use in the event of a sudden and unexpected event while traveling outside your home country. PPACA requires certain US citizens or US residents to obtain PPACA compliant health insurance, or “minimum essential coverage.” PPACA also requires certain employers to offer PPACA compliant insurance coverage to their employees. Tax penalties may be imposed on U.S. residents or citizens who do not maintain minimum essential coverage, and on certain employers who do not offer PPACA compliant insurance coverage to their employees. In some cases, certain individuals may be deemed to have minimum essential coverage under PPACA even if their insurance coverage does not provide all of the benefits required by PPACA. You should consult your attorney or tax professional to determine whether the policy meets any obligations you may have under PPACA.

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RBC® Avion Visa Infinite†

Best offer is available publicly until November 27, 2023

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

The RBC ® Avion Visa Infinite † is RBC ® ‘s flagship product, and currently offers a sizeable welcome bonus with a reasonable minimum spending requirement spread out over six months.

Bonuses & Fees

This card is currently offering a promotional welcome bonus of up to 55,000 RBC Avion points † for new cardholders, which is much higher than the base offer of 15,000 points.

The welcome bonus, which is available until November 27, 2023, is awarded as follows:

• 35,000 RBC Avion points upon approval †
• 20,000 RBC 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.

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 up to 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

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.

24 Comments

Hi Ricky! I just discovered your website and feel like a whole new world has been opened up to me! I have the West Jet World Elite M/C (RBC) and I don’t see the benefits of the card really helping me, so not worth the annual fee. The anniversary is in December, and I’m wondering if it’s possible to switch to the RBC Avion rather than cancel and apply for a new card, because I’m reading that’s not always the best option. But since these card are from the same bank, it may work? And then I could qualify for the new welcome bonus for the Avion?

Would I get the full points if I switch from an RBC cashback card to an RBC Avion visa infinite?

** Product switch only earned 15,000 points

Hi Ricky, Is there a card that has a better return than the 2.14 this one has for long haul in Canada? I currently use my rewards every two years to fly across Canada at Xmas. Family is now 4 travellers and only have points for 3 so looking to maximize.

I just got approved for the Avion Visa Infinite. I’m interested to see how beneficial the welcome bonus points of 35000 will be when redeeming them for a flight from Toronto to California. Would you suggest to use the points to upgrade my seats? I’m also interested in the cellphone protection insurance as I haven’t seen that offered in other cards.

Points are almost always better spent on making bookings directly rather than upgrading seats.

Just applied and got approved for Avion Visa Platinum, would you say this card is really good if you only want to carry 2 cards in your wallet? (btw my other card is American Express Cobalt Card)

I’d say it’s a decent choice, but you may be able to do better. For example, pairing the Cobalt with the HSBC World Elite would deliver a lot more benefits for your non-Amex spending for only a $49 net annual fee.

I checked flights using Avios search engine going to South America (Buenos Aires) and other destinations. The economy seats are really expensive. It practically makes your points WORTHLESS to use. What’s the point of following this point system if you cant fly where you want to go. It’s better if you stick with cheapflights.com or any of these third-party websites for really cheap flights.

Correct. Points are better used on higher-value trips like business class and First Class.

Since I hold the rbc rewards+ visa I can’t get the 35000 points welcome bonus l even if I product switch or apply for the avion visa infinite right? So I am basically out of luck?

I have this card and received the bonus points. If I use the bonus points then product switch to a card with no AF, is there any chance that they require the points back or something? How long would you hold the card before doing this? I’ve been told by an RBC agent that they’ll provide a pro-rated refund on the AF if I switch.

Unlikely. The safest timeline for such actions is six months, although some users have “gotten away with” shorter timeframes.

Hi Ricky, I just checked out the link to apply for this RBC card but only the standard offer of 15,000 points and no first annual fee rebate is offered. Has this promotion finished already?

Yep. These “mystery links” that pop up never last too long, so now we’re back to the standard offer of 15,000 points + $120 annual fee. Time to wait for the next one!

I have the Westjet now, if I make a switch product. Would I be entitled to this 20K promotion?

Most of the time a product switch only gives you the public bonus that isn’t found through a special link – in this case it’d be the usual 15k.

And it wouldn’t be FYF right?

It would appear that the additional 10,000 RBC Avion bonus points (for making purchases of $1000) is no longer on offer. Today, Oct 1, I started to sign up through the link above. The lead page now references the 15,000 bonus only.

Looks like you’re right Al. Back down to 15k it is.

Data point for reference: I product switched from the Avios to this and did not receive the bonus points. (But I did receive bonus points when I product switched from the RBC Westjet to the Avios prior to that).

Just applied and approved. Thanks for the link

Any idea if it’s possible to apply and get the bonus if I already have this card currently open?

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COVID-19 - How RBC Insurance is helping clients

We remain committed to keeping you informed about actions we’re taking, to support you during this time. Thank you for choosing RBC Insurance.

Last Updated: July 12, 2022

Important Updates

Travel: As the situation with COVID-19 continues to evolve, we appreciate our clients have important questions and concerns about upcoming travel.

Due to recent changes to GOVERNMENT OF CANADA TRAVEL ADVISORIES (opens external website in new window) , we are currently experiencing extremely high call volumes that are resulting in much longer wait times than usual. We have all hands on deck to support you and greatly appreciate your patience and understanding as we work to assist you in your time of need.

RBC Insurance Stores

How rbc insurance stores are supporting clients.

Our Store locations have now re-opened. Please see the RBC Insurance Store Locator opens new window for a location near you.

We are committed to ensuring your insurance needs are met. RBC Insurance Advisors across Canada remain available to meet with you virtually by phone or video. To connect with an Advisor near you, please see the RBC Insurance Advisor Locator opens new window .

Travel Insurance

How rbc insurance is supporting travel insurance clients.

As the situation with COVID-19 continues to evolve, we appreciate our clients have important questions and concerns about upcoming travel. Due to recent changes to Government of Canada Travel Advisories (opens external website in new window) , we are currently experiencing extremely high call volumes that are resulting in much longer wait times than usual. We have all hands on deck to support you and greatly appreciate your patience and understanding as we work to assist you in your time of need.

Update: Global Travel Advisory

Effective February 28, 2022, Global Affairs Canada lifted the Level 3 global travel advisory that was in place as a result of COVID-19 (Omicron variant). See below for how this change may affect your travel insurance coverages.

Effective March 7, 2022 Global Affairs Canada lifted the Level 4 Cruise travel advisory that was in place as a result of COVID-19. We have made some updates to our travel coverages and exclusions.

Emergency Medical Coverage

Travelling outside of Canada: In an effort to provide increased peace of mind to our valued clients, RBC Insurance will cover emergency medical claims if diagnosed with COVID-19 on or after February 17, 2022 provided all the terms and conditions of the insurance coverage are met.

Travelling within Canada: For clients who choose to travel within Canada, we will continue to provide Emergency Medical coverage related to COVID-19 provided all the terms and conditions are met.

Any expenses related to quarantine requirements and/or PCR testing/COVID-19 testing will NOT be covered under this coverage.

Cruise ship travel: For clients who choose to travel on a cruise ship, RBC Insurance will cover emergency medical claims if the client is diagnosed with COVID-19 on or after March 7, 2022 provided all the terms and conditions of the insurance coverage are met.

Trip Cancellation / Trip Interruption Coverage

COVID-19 Pandemic Trip Cancellation/Trip Interruption Update

Given the evolving nature of the COVID-19 Global Pandemic, RBC Insurance is committed to ongoing monitoring of developments and will update coverages as appropriate.

Purchased Plans with Trip Cancellation & Trip Interruption Insurance coverage

RBC Insurance will not pay Trip Cancellation or Trip Interruption insurance claims if a client is required to cancel or interrupt a trip for a reason related to COVID-19, except in the following circumstances (subject to all other terms, conditions, limitations and exclusions):

• The client’s emergency medical condition (a medical certificate completed by a physician is required) due to contracting COVID-19 that prevents the client from travelling as planned.
• The emergency medical condition of the client’s spouse and/or children (a medical certificate completed by a physician is required) due to contracting COVID-19 that prevents the client from travelling as planned.

This update is effective for insurance purchased *on or after June 1 st , 2022.

* For the Deluxe Annual Package the effective date is when the client purchases pre-paid travel arrangements on or after June 1 st , 2022.

RBC Credit Cards (Embedded trip cancellation and trip interruption coverage - applicable RBC Credit Cards)

RBC Insurance will not pay Trip Cancellation or Trip Interruption insurance claims if the Cardholder is required to cancel or interrupt a trip for a reason related to COVID-19, except for the following circumstances (subject to all other terms, conditions, limitations and exclusions):

• The Cardholder’s emergency medical condition (a medical certificate completed by a physician is required) due to contracting COVID-19 that prevents the Cardholder from travelling as planned.
• The emergency medical condition of the Cardholder’s spouse and/or dependent child (a medical certificate completed by a physician is required) due to contracting COVID-19 that prevents the Cardholder from travelling as planned.

This update is effective for travel arrangements paid in full with a Cardholder’s RBC Credit Card and/or RBC Rewards points on or after June 1 st , 2022.

Additional Travel Advice

Before travelling, please review the country/region specific guidelines and requirements on:

• Proof of vaccination;
• Quarantine; and
• Re-entry requirements

In addition, for non-vaccinated individuals, the Government of Canada has provided a guideline recommending against non-essential travel, however this advice is not considered part of the Level 3 travel advisory.

Emergency Medical Insurance Claims Information

Please contact Allianz Global Assistance immediately at:

• Call toll-free from Canada & U.S.: 1-800-387-2487
• Call collect from anywhere: (905) 816-2561
• Toll-free fax from Canada & U.S.: 1-888-298-6340
• Or email: [email protected]

Other Travel Insurance Claims Information

Do you need to submit an insurance claim for trip cancellation, trip interruption, medical, baggage, hotel or motel burglary, mobile device, purchase security or extended warranty? Find more information about submitting your claim online here .

Travel Insurance under an RBC Group Benefits Plan

If you have group travel insurance under an RBC Insurance Group Benefits Plan, please see the Group Benefits section of this site.

Group Benefits

How rbc insurance supporting group benefits clients.

We at RBC Insurance are working as quickly as possible to assess the impacts of COVID-19 and to keep you informed of key decisions that impact you and your group benefits plan. We are here to support you and your family. While things continue to move fast and change quickly, below is some important information.

COVID-19 Update: Short-Term Disability Claims

Short-term disability benefits provide income replacement, for short durations, in the event a person is unable to work due to injury or illness.

If you’ve tested positive and are diagnosed with COVID-19 and cannot work (even from home), whether or not you are displaying symptoms, benefits will be paid once the elimination period is satisfied. Standard claim forms must be submitted, including the Attending Physician Statement.

If you’ve tested negative for COVID-19, but have symptoms that prevent you from working (even from home), a standard STD application claim should be submitted. Standard contractual provisions would apply, including the elimination period.

If you are not at work because you’ve been advised to quarantine by a government or health care authority, and are not too ill to work otherwise , you will not be eligible for STD. For example, mass quarantines issued by a health authority or cautionary quarantines issued by an employer would not qualify for coverage. This means that if you have no disabling symptoms and cannot work from home, benefits will not be paid. A claim through the one of Government of Canada Employment Insurance program or any of the new COVID-19 response benefit programs should be submitted. These new programs include the Canada Recovery Benefit, the Canada Recovery Sickness Benefit, and the Canada Recovery Caregiver Benefit and all provide income replacement to those who have been impacted due to COVID-19.

TIP: The Canada Recovery Sickness Benefit (CRSB) provides up to two weeks of financial support for employees who are unable to work because they are sick or need to self-isolate due to COVID-19, or who have an underlying health condition that puts them at risk of getting COVID-19. Employees are encouraged to apply for this benefit when not in receipt of STD benefits, for example, during their STD elimination period. They cannot receive any other benefits while receiving the CRSB, including any STD benefits.

For more information on this benefit go to the Canada's Economic Response Plan opens new window website.

COVID-19 Update: Travel Insurance under RBC Insurance Group Benefits Plans

Our Group Benefits medical emergency coverage has changed effective January 1, 2021. COVID-19 will be covered for travel departing on or after January 1, 2021 while there is a Level 3 (Avoid Non-Essential travel) advisory or lower issued by the Government of Canada. For those insurance policies with Trip Cancellation Trip Interruption coverage, COVID-19 Pandemic will continue to be considered a known occurrence and as such is excluded from coverage.

As COVID-19 cases continue to rise and risk is heightened, we strongly recommend that you visit the Government of Canada’s Global Travel Advisory website before booking your trip and only travel when necessary.

I am planning a trip. Am I covered for medical emergency during the COVID-19 Pandemic?

If you depart on or after January 1, 2021 while there was a Level 3 (Avoid Non-Essential travel) or lower advisory in place, you will be covered for COVID-19 related claims under your group emergency medical insurance. If you have Trip Cancellation Trip Interruption coverage, COVID-19 continues to be a known occurrence and will not be covered should you need to cancel or cut your trip short due to COVID-19.

If you travel to a location that is under a Level 4 (Avoid all travel) advisory, medical emergency will not be covered. If you are already in a country when the Level 4 advisory is issued, you will be given 10 days to return home. Your medical emergency will remain covered during the 10-day period.

Visit the Government of Canada Global Travel Advisory website for updates on travel advisories.

If you departed prior to January 1, 2021, you would only be covered under medical emergency for COVID-19 related claims if you were traveling for work that is deemed essential. Any leisure or non-essential travel would not be covered for COVID-19 related claims. Any medical emergency claims not related to COVID-19 continue to be covered.

If you are traveling to Mexico or the Caribbean, effective immediately and until further notice, our Group Benefits medical emergency top-up coverage is temporarily unavailable.

Visit the Government of Canada website for Guidance on Essential Services and Functions in Canada During the COVID-19 Pandemic.

I am now in a country where a Level 4 advisory was just issued. Am I covered for medical emergency?

I have to cancel my trip, or cut my trip short due to COVID-19, will my Group Benefit coverage cover my loss?

COVID-19 pandemic is considered a known occurrence under the Trip Cancellation Trip Interruption coverage and is excluded from coverage. If you have to cancel or interrupt your trip due to COVID-19, your Trip Cancellation Trip Interruption coverage will not cover the claim.

What is the difference between a Level 3 and Level 4 Advisory?

The Government of Canada issues 4 travel health notices for travel destinations as follows:

• Level 1 - Practice usual precautions
• Level 2 - Practice special precautions
• Level 3 - Avoid all non-essential travel
• Level 4 - Avoid all travel

Visit the Government of Canada Risk levels and Travel Advisories website for more information.

Need support? Work-Life Employee Assistance program (EAP)

Don’t forget about your Work-Life Employee Assistance program (EAP). Immediate and confidential EAP services, including counselling, educational materials, referrals to community services and more are accessible 24/7 by calling 1-877-630-6701 . There are also COVID-19-related additional resources:

• The www.lifebalance.net opens new window website features information on the coronavirus and coping with trauma.
• Members of the Work-Life Employee Assistance Program Traumatic Event Support Team are available to support individuals and organizations impacted by these events.

Looking for additional support for mental health?

During any crisis, it’s common to experience additional stress and anxiety. To help with the increasing demand for easily accessible, digital and affordable mental health solutions, we’ve introduced CarePlus. This gives you access to therapist-assisted cognitive behavioural therapy and extended digitally-driven counselling.   

Additional Resources

This is a rapidly evolving situation and the risk assessment is likely to change frequently. You can follow updates at Public Health Agency of Canada opens new window and the World Health Organization opens new window .

Car Insurance

How rbc insurance is supporting car insurance clients.

At RBC Insurance, we understand that we are in unprecedented times and many clients are facing financial hardship. That is why we work with each client to offer personalized advice and solutions to help them save on premiums while ensuring they have adequate coverage.

• Driving less? We may be able to update your usage if you still need your vehicle, but are no longer commuting to work and/or school.
• Not driving at all? If you no longer drive one or more of your vehicles, we may be able to offer the #StayHome endorsement.
• Have multiple vehicles? If you are no longer using one of them, it may be possible to reduce the coverage on that vehicle currently not in use.

What if I previously called-in and received an auto premium rate reduction?

Clients who received the 90-day auto premium rate reduction have received a letter advising them that their temporary rate reduction has ended, and to contact RBC Insurance if their vehicle usage continues to be impacted as a result of COVID-19. Clients who received the 90-day auto premium rate reduction will receive a letter advising them that their temporary rate reduction has ended, and to contact RBC Insurance if their vehicle usage continues to be impacted as a result of COVID-19.

Please call us at 1-888-556-2685 to review your coverage options or if your driving usage changes.

Will there be an annual increase at renewal?

No. At this time, your premium will remain the same at renewal (for the same automobile, for the next 12-month policy term) provided you have had no significant changes to your driving habits or record. Clients who have made a significant claim or experienced traffic violation activity may not be eligible for this benefit. For specific questions, please call us at 1-877-749-7224 .

Purchase Security and Warranty

You can submit a claim for Purchase Security and Warranty Insurance under your RBC Credit Card coverage using this online form for Credit Card and Travel Insurance Claims .

Frequently Asked Questions

We are committed to ensuring that your insurance needs are met. While our stores are closed, our advisors and insurance solutions remain available to you across a variety of channels. If you need to talk to someone about your insurance coverage, have an insurance review or simply better understand what your options are, you can find an Insurance Advisor here opens new window or call the number on our website. If your need is not urgent, please email us .

If you are receiving your payment by direct deposit into your account, there will be no impact to your payment. If you are receiving your payment by cheque, we will be reaching out to you to switch to direct deposit. You can reach us at 1 888 Royal 94 ( 1-888-769-2594 ). To initiate the direct deposit process or by email at [email protected] .

Yes, for Individual Life insurance policies, coverage includes death as a result of COVID-19.

Yes, COVID-19 is an insurable illness that you would have coverage for under the Royal RecoverAssist – Enhanced Coverage. Your coverage begins on the fourth day of your hospital stay. (Please see your policy for details.)

Yes, if you become ill due to COVID-19, test positive and as a result cannot work, you have coverage through your Disability Insurance policy. Benefits will be paid after the end of any applicable Elimination Period. (Elimination Period is the period of time between when you first become sick and when you start receiving benefits. Please see your policy for details.)

Supporting communities affected by COVID-19

RBC has committed an initial $2-million in support of COVID-19 community response efforts. As a first step, RBC will be donating funds to respond to community needs in Canada, the U.S. and globally to charitable partners including Food Banks Canada opens new window ; Feeding America opens new window and The World Health Organization’s Covid-19 Solidarity Response Fund opens new window .

View Legal Disclaimers Hide Legal Disclaimers

Use of the Government of Canada COVID Alert app is not mandated by Royal Bank of Canada (“RBC”) and is completely voluntary.  RBC has no affiliation with the app and assumes no liability for its use by any person. RBC will not know if an app user has downloaded or used it, nor are we able to collect, view, or retain any personal information of an app user, including their health information.

Travelers reaches deal to buy Boston-based insurance tech firm Corvus for $435 million

The cyber-focused insurance startup will merge with an industry giant..

Corvus Insurance has found a new nest.

Travelers Companies Inc. has reached a deal to pay $435 million to buy the Boston-based insurance-tech startup, which specializes in cybersecurity and is named after the genus of tool-making birds that includes crows and ravens.

The deal, which is expected to close in early 2024, originated out of a growing business relationship between the two companies. Travelers had reached an agreement with Corvus to sell cyber policies in Europe a year ago, using Corvus software to handle the underwriting, and recently broadened that partnership to include the United States. (Corvus also works with other large insurers as well.) The executives at Travelers obviously liked what they saw, and decided to buy the company outright.

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“This transaction accelerates our access to cutting-edge cyber capabilities that were on our strategic roadmap,” such as sophisticated underwriting algorithms and vulnerability scanning, Travelers chief executive Alan Schnitzer said in a statement.

Executives at both companies declined to comment beyond a press release Travelers issued on Friday morning.

Corvus employs about 250 people today, including fewer than 100 based out of its headquarters at 100 Summer St. The business was launched in 2017 by Mike Lloyd, a Harvard Business School grad, and veteran insurance executive Phil Edmundson, who had sold brokerage William Gallagher Associates two years earlier. Venture capitalist Jeff Bussgang, who teaches at HBS, introduced Lloyd and Edmundson. The thesis behind Corvus: use new ways of data-crunching to better predict problems and prevent them from happening, to “make the world safer” — a common refrain at the firm.

Edmundson last year handed over the CEO’s job to Madhu Tadikonda, who is based in New York, and became executive chairman as a result, while Lloyd remains chief operating officer.

Initially, the firm focused on various kinds of insurance, such as shipping and logistics. But as the company grew, it focused on its most successful business line, cybersecurity. The firm uses its technology to identify cyber vulnerabilities for policy holders and reduce their exposure. Over time, Corvus attracted interest from a number of venture capital investors, including Boston’s Bain Capital Ventures and .406 Ventures. As of 2021, Corvus had raised $147 million in venture investments.

Jon Chesto can be reached at [email protected] . Follow him @jonchesto .

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