They cannot receive any other benefits while receiving the CRSB, including any STD benefits. If your travel coverage is provided under your RBC Travel Insurance Policy, follow these steps to submit a claim: Sign in to Online Insurance Opens in new window link. Trip Cancellation / Trip Interruption: We will process a one-time credit following the end of RBC’s deferral program. We want to remind you that you can use RBC Online Banking to manage pre-authorized bill payments or cheques that are coming out of your bank account. Who can buy travel insurance from RBC Insurance? If your financial situation has changed, and you no longer wish to defer payments that are scheduled, you may contact your branch to revert back to your regular payment schedule. You can also choose to go paperless by “turning off” your paper and access all of your electronic statements. Coronavirus COVID-19 is being called a pandemic by insurers, making travel insurance policies void. Be aware of the changes providers are making to their travel insurance policies regarding COVID-19. We encourage all travelers to have international travel insurance. Coverage that includes Trip Cancellation/Interruption insurance: Under Trip Cancellation/Interruption insurance, if you have purchased a policy/certificate prior to March 13, 2020 at 5:30PM (EST), you may be eligible to submit a trip cancellation/trip interruption claim due to a newly issued travel advisory. Together with our partners, we’re working closely to identify opportunities to pivot and adapt their programming to ensure that young people will be able to access it. We encourage passengers to have international travel insurance. If you had previously elected to pay a higher payment in order to pay your mortgage down more quickly, you can reduce your payment using our self-serve tools to reduce it to the original amount. You will earn 1.25 RBC Rewards points for every dollar spent when you use your RBC Avion Visa Infinite card to pay for travel-related purchases made at merchants classified by Visa's “Merchant Category Code” (“MCC”) as “travel”, which may include: airlines, accommodations, tour operators, cruise lines, travel agencies and car rental companies. Box 97, Station A Mississauga, Ontario L5A 2Y9; If your trip is interrupted because you, an immediate family member or travel companion are sick or injured, you must have a Medical Certificate (Definition opens in new window) fully completed by the treating physician at your travel destination. Online and Mobile: Consider using the RBC Mobile app and our online banking services. Visit the Government of Canada website for Guidance on Essential Services and Functions in Canada During the COVID-19 Pandemic. Work-Life Employee Assistance program (EAP). 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. 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.  Â. For RBC clients who booked travel through RBC Rewards and require changes, please follow the instructions under “Cancellation, change and insurance policies”. While the Government of Canada continues to offer financial and economic support, we’ve also been reaching out to offer our help - to ask how clients are doing, answer any questions they may have about their personal finances and to see if we can help, as they manage through the weeks and months ahead. Our Advisors and banking solutions are available to you across a  variety of channels. Have questions? For example, mass quarantines issued by a health authority or cautionary quarantines issued by an employer would not qualify for coverage. The Government of Canada issues 4 travel health notices for travel destinations as follows: Visit the Government of Canada Risk levels and Travel Advisories website for more information. Trip Cancellation/Trip Interruption Update. 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. This means your mortgage balance will increase if no other changes are made to your payment schedule or regular mortgage payment amount over the life of your mortgage. While our stores are closed, our advisors and insurance solutions remain available to you across a variety of channels. However, pulling the plug could be costly, depending on what type of travel insurance you have. As Government Relief Programs change, and some Financial Relief Plans offered by RBC come to an end, rest assured that we will continue to work closely with you to provide the advice you need on an individualized basis. This is effective as of the travel advisory issued March 13, 2020 at 5:30pm (EST). I have to cancel my trip, or cut my trip short due to COVID-19, will my Group Benefit coverage cover my loss? If you travel to a location that is under a Level 4 (Avoid all travel) advisory, medical emergency will not be covered. Submit your claim online here. ... Make sure you have the right travel insurance—get an online quote or talk to a licensed insurance advisor. You’ll be notified by email as soon as a new document is available. RBC Future Launch is a critical focus for us. Sabri Ben-Achour Mar 3, 2020. Try our calculator to find out what it could cost. 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. There are a number of actions clients can consider to ease cash flow challenges. To accommodate your changing travel needs and put your Safety Above All, we offer no-charge COVID-19 travel insurance coverage travel to and from the US, Europe, the UK, Mexico and the Caribbean until August 31, 2021. 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. Travel Insurance under Group Benefits Plan. (Elimination Period is the period of time between when you first become sick and when you start receiving benefits. Select an account to view your statement. You can: Click here to sign into RBC Online Banking. Log into Online Banking to access your eStatements. Global travel, unless deemed essential, is discouraged. While things continue to move fast and change quickly, below is some important information. If you don’t have access to Online Banking yet, enrolling is simple and quick. At RBC Insurance, we understand that we are in unprecedented times and many clients are facing financial hardship. In Person: Our branches are open to serve you with recommended safety measures in place, such as physical distancing and capacity guidelines. ), where employees whose hours of work were temporarily reduced or eliminated because of COVID-19 will now be deemed on an I.D.E.L. Canadians yearning to travel abroad — despite the COVID-19 pandemic — can now get medical insurance to cover costs if they get sick with the coronavirus while travelling. It's a safe and easy way to do your everyday banking and available 24/7. When you pay for the entire cost of the rental vehicle using your RBC ® credit card and/or RBC Rewards ® points, this Insurance covers you and/or a rental agency for loss/damages to eligible rental vehicles up to the actual cash value of the damaged or stolen rental vehicle. By Phone: We’ve increased staffing in our call centres so that our advisors can respond as quickly as possible to your needs. If your credit card account is protected with BalanceProtector insurance, you may be eligible to submit a claim in the event of a job loss due to a layoff or dismissal without cause. Travelers who purchased their plane tickets or other tourist services from a travel agent with a Quebec permit could benefit from the protection of the Compensation Fund for Customers of Travel Agents (FICAV). Young Canadians will hear from industry experts, inspiring young professionals and top athletes, who will share their personal stories and advice, as well as tools to help youth prepare their professional future plans. In the event of a branch closure, a notice will be posted on the branch door. Thank you for choosing RBC Insurance. Branches are open with recommended safety precautions in place, such as physical distancing and capacity guidelines. Please be advised that travelling to destinations under a travel advisory can have implications on emergency medical coverage. View Legal DisclaimersHide Legal Disclaimers, Trademark(s) of Royal Bank of Canada. Your medical emergency will remain covered during the 10-day period. If you travel to a destination that the Government of Canada has advised Canadians to “Avoid all Travel” or “Avoid all non-essential Travel”, and you contract COVID-19, you will not be covered under emergency medical insurance. RBC Credit Card holders, you can initiate a dispute by logging into online banking, messages/alerts and send a secure message. To help protect the health and wellbeing of our clients and employees, we are continuing to keep our RBC Insurance Store locations across Canada closed. You will receive a reply within 10 business days. What support is RBC Insurance providing for group benefits clients facing financial hardship? 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. Search for a Store to speak to an Advisor by phone or video. We remain committed to ensuring that your insurance needs are met. If you have further questions, please contact your Group Service Representative at 1-855-264-2174. To date, RBC businesses have committed $9 million in support of COVID-19 community response efforts: RBC has donated funds to respond to community needs in Canada, the U.S. and globally to charitable partners including Food Banks Canada and Feeding America. In accordance with the latest travel advisories, unless necessary, we do not recommend that clients book new travel at this time. Timing for the credits will vary depending on product and deferral period. Program Details: Note that skipping a payment is a deferral, not a waiver of that payment. Coverage and eligibility . Note, when you submit a stop payment request, it only stops the next payment to a payee, and a request must be submitted for each individual payment you wish to stop (for example, if you have a series of payments set up). On May 1, 2020, we replaced Travel HealthProtector insurance with a new travel insurance product lineup. From the Policy Summary screen, find your travel policy/certificate, Click on “Open a Claim” to get started. Note: All insurance providers, including RBC Insurance, are experiencing high-call volumes and therefore you may experience longer wait times due to this global situation. RBC has no affiliation with the app and assumes no liability for its use by any person. RBC is helping support Crisis Text Line (United States), Kids Help Phone (Canada), Shout (UK) and Spunout.ie (Ireland) to provide mental well-being supports to young people. Don’t forget about your Work-Life Employee Assistance program (EAP). For information regarding Emergency Medical Insurance, Flight Delay Insurance and any other insurance coverages, please refer to your credit card’s Insurance Certificate. COVID-19 Update: Travel Insurance under RBC Insurance Group Benefits Plans Our Group Benefits medical emergency coverage has changed effective January 1, 2021. RBC welcomed nearly 1,400 summer students this year, to provide a meaningful work experience. (Please see your policy for details. With travel insurance from RBC Insurance ® you have the security of knowing you will receive the help you need during an emergency. We appreciate your patience as we navigate this crisis. We have a number of options available to help you bank safely and conveniently. The deferred interest will be added to the outstanding balance and interest will be charged on this new balance. If you had scheduled any deferrals during the relief period, RBC will provide a credit to assist with offsetting the interest charged on deferred interest payments during the deferral period. RBC Insurance Services Inc. Website, © 1995-, Privacy & Security | Legal | Accessibility | Underwriters, for Credit Card and Travel Insurance Claims. Any commitments made to fundraising events forced to cancel will be honoured. All of the students worked for RBC from home. There have been reports of COVID-19 related phishing scams cropping up. Coverage now includes travel to, from and through the US and US territories for all purchases on or after September 18, 2020. On January 21, 2020, the Coronavirus disease 2019 (COVID-19) became a named event, which affects the travel insurance coverage available for new policies purchased. Employees are encouraged to apply for this benefit when not in receipt of STD benefits, for example, during their STD elimination period. International travel insurance for COVID-19. We are experiencing an unprecedented volume of travel claims and inquiries. Or text "RBC" to 722722 and we'll text you the link. RBC clients 1 can now enjoy: More choice, including robust travel insurance packages and travel medical plans; Trip cancellation and interruption insurance as part of a package or stand-alone plan Instead, at renewal your monthly payment amount increases to account for the higher balance. Learn how Contactless Payments work. As the coronavirus spreads globally, Canadians may start rethinking their travel plans. 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. No, not for the current term of your mortgage. Benefits will be paid after the end of any applicable Elimination Period. We’re supporting pre and post-travel testing initiatives so that guests can get back to safe and practical travel. If you have used WestJet dollars or your companion voucher for your trip, please visit WestJet for more information on how to change or cancel your travel. You can also type your new limit to the nearest multiple of 10 in the box on the right, RBC Avion Visa Infinite Privilege for Private Banking, WestJet RBC World Elite Mastercard (Trip Interruption Insurance only). In order for you to have an eligible claim, the travel advisory must be in effect as of your scheduled departure date. Should you want a printed record between monthly statements, we continue to offer mini statements from our ATMs. For more information on how to sign up for online banking or to download the RBC Mobile app click here. Start your insurance claim submission online opens new window for: trip cancellation, trip interruption, medical, baggage, or a purchase security or extended warranty. You will not be covered under emergency medical insurance if you travel to a destination in which the Government of Canada has advised Canadians to “Avoid all Travel” or “Avoid all non-essential Travel” to that destination and contract COVID-19/Coronavirus. We ask that you check the branch locator for the most current information prior to your visit. It is RBC’s understanding that during a temporary layoff, if the private plan can be extended during the layoff, the RAMQ expects employers to provide it and for the employees to take it, on a premium paying basis. If you have already scheduled deferrals with us for a date in the future, the deferral will proceed as instructed. While you continue to practice physical distancing including minimizing trips to the branch, we encourage you to view your balance, transactions and statements within RBC Online Banking or mobile channels. Credit calculations for deferred interest payments are based on your outstanding balance, interest rate and the number of payments that were deferred. Most travel suppliers are offering refunds, vouchers, future travel credits or travel date change options. What if I previously called-in and received an auto premium rate reduction? Learn more and download it today. For more information on some of these current scams and other important information, please visit our Cyber Security Alerts page. Visit the RBC Rewards COVID-19 Travel Advisory page to learn more about RBC Rewards points, changes, cancellation policies and travel insurance regarding any upcoming travel. For more information on this benefit go to the Canada's Economic Response Plan opens new window website. Any leisure or non-essential travel would not be covered for COVID-19 related claims. Please visit www.rbc.com/stoppayment for step-by-step instructions on how to stop a payment in RBC Online Banking. Travel: We are currently experiencing a large volume of calls that is leading to long wait times. Together, let’s limit the spread of COVID-19 and prevent future outbreaks. Many clients are still facing financial challenges due to the economic impacts of COVID-19. As this situation continues to evolve, we remain committed to supporting you and keeping you informed on COVID-19. Many rely on summer jobs to help pay for their schooling. To initiate the direct deposit process or by email at rbcigroupannuity@rbc.com. RBC is a founding partner of the Mental Health Fund. COVID-19 travel insurance coverage is now included in your trip, so you’ll be taken care of as you travel. NEW – You can now submit your claim for emergency medical insurance using this online claim form. 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. And we’re here to help. 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. 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. If you are at your destination and left Canada before the travel advisory was issued, you may be covered under Emergency medical insurance if you contract COVID-19/Coronavirus. This means we will not cover any medical claim related to COVID-19/Coronavirus if you travel anywhere outside of Canada effective March 13, 2020 at 5:30pm (EST). RBC and Royal Bank are registered trademarks of Royal Bank of Canada. Our Branch locator will also have updated information on whether your branch is open or closed. To find the next closest location, simply visit maps.rbcroyalbank.com. RBC has committed an initial $2-million in support of COVID-19 community response efforts. There is no fee to defer a payment. While we offer this guidance, we strongly recommend that the employer consult with their own legal counsel and RAMQ for additional guidance. We are here to support you and your family. Please refer to your certificate of insurance for details about specific coverages, coverage eligibilities, limitations and exclusions. New! See the travel insurance section below for more details. Eligible clients will receive this credit following the end of the deferral period, if their loan is in good standing and has not been repaid in full by the time the credit is applied. If you currently have an accelerated payment (weekly/bi-weekly) on your mortgage, you can use our self-serve tools to move back to a regularly monthly payment. By tuning into Future Ready, youth will learn how and where to access the resources they need to make their next step their strongest one yet. Select the “Skip a Payment” link at the bottom of the page and follow the instructions to defer a payment. To save you time, we’ve made it easier to submit your travel insurance claims online. You may be able to temporarily change these limits up to three times per calendar year for a maximum duration of 60 calendar days each time. 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. This is a rapidly evolving situation and the risk assessment is likely to change frequently. To make temporary changes to your daily limits for ATM withdrawals or in store purchases: You can tap your card or mobile phone at most retailers to pay for purchases. Note: when you purchase travel insurance from us, you are enrolling in coverage under a group insurance master policy issued by RBC Insurance Company of Canada to RBC Royal Bank. Your coverage begins on the fourth day of your hospital stay. If you are not enrolled in RBC Online Banking or unable to book an appointment using our online booking tool. If your next trip is within 72 hours, please contact our Travel Rewards Call Centre 1-877-636-2870 1-877-636-2870 . We remain committed to keeping you informed about actions we’re taking, to support you during this time. You can follow updates at Public Health Agency of Canada opens new window and the World Health Organization opens new window. No need to touch the terminal. Given the lag in the release of official Canadian retail sales figures, we’ve used RBC’s proprietary spending data 1 to provide a snapshot of how the COVID-19 pandemic has altered Canadian consumption. Please review the update from our partner, RBC Insurance below. Get more tips on how to protect yourself from COVID-19 scams and how to protect yourself online. This article was updated on 1 June 2020. Yes, for Individual Life insurance policies, coverage includes death as a result of COVID-19. COVID-19 - How RBC Insurance is helping clients Read More How RBC Insurance is helping clients Notice: Together, let’s limit the spread of COVID-19 and prevent future outbreaks. If you are not an RBC client, the phone number can be found on the back of your credit card. A client of the RBC companies or a spouse or child of a client; A Canadian resident (applicable for Emergency Medical Insurance Coverage) Note: when you purchase travel insurance from us, you are enrolling in coverage under a group insurance master policy issued by RBC Insurance Company of Canada to RBC Royal Bank. Many countries remain in some form of a lockdown and social distancing efforts have become second nature. RBC Insurance has more than 50 years of experience and serves over 8 million customers annually. If the group is located in any other province, regular contract provisions will apply. From the Account Summary page, select your mortgage account. 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