We will continue to offer our perspectives to help you navigate through these uncertain times. Who can buy travel insurance from RBC Insurance? This is effective as of the travel advisory issued March 13, 2020 at 5:30pm (EST). 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. What is the Infectious Disease Emergency Leave? 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. Don’t forget about your Work-Life Employee Assistance program (EAP). 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. Yes. What if I previously called-in and received an auto premium rate reduction? 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. 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). View Legal DisclaimersHide Legal Disclaimers. COVID-19 - How RBC Insurance is helping clients Read More How RBC Insurance is helping clients 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. For immediate financial needs or access to your safe deposit box, please use our online appointment booking tool to schedule a call with your advisor. Notice: Together, let’s limit the spread of COVID-19 and prevent future outbreaks. Thank-you for your patience and understanding. Benefits will be paid after the end of any applicable Elimination Period. 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. Please visit www.rbc.com/stoppayment for step-by-step instructions on how to stop a payment in RBC Online Banking. Some restrictions apply. We can appreciate that these continue to be uncertain times and employers are facing many challenges as a result of COVID-19. Learn how Contactless Payments work. 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. We are experiencing an unprecedented volume of travel claims and inquiries. Timing for the credits will vary depending on product and deferral period. Effective, March 13th, 2020, Global Affairs Canada has issued a travel advisory stating that Canadians should “Avoid all non-essential travel” applicable to all countries outside of Canada in order to limit the spread of COVID-19/Coronavirus. 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. 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). I have to cancel my trip, or cut my trip short due to COVID-19, will my Group Benefit coverage cover my loss? 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. COVID testing. During these uncertain times, RBC recognizes that charities and non-profit organizations are particularly vulnerable. Trip Cancellation/Interruption Insurance included with your RBC Credit Card: Under Trip Cancellation/Interruption insurance, if you booked your trip and paid for it on your RBC Credit Card 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. There is no fee to defer a payment. The circumstances surrounding COVID-19 are causing delays in the processing of paper documents. 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. RBC remains committed to supporting you through all channels. When you defer a payment you must still pay the portion of your payment that covers your property taxes and HomeProtector Insurance Premium, if applicable. Our Advisors and banking solutions are available to you across a  variety of channels. Claim status (claim has already been submitted): If you have submitted your claim along with required documents and not heard from us in over 15 weeks, please email at rbciasai@rbc.com for a status update. We will process a one-time credit following the end of RBC’s deferral program. Details on our travel insurance products during the COVID-19 pandemic This link open in a new window ; Ontario Blue Cross supports its clients by offering a reduction in Health Insurance Premiums This link open in a new window ; Ontario Blue Cross is temporarily suspending new travel insurance sales This link open in a new window Please visit the Assurant website https://cardbenefits.assurant.com to submit a claim with the insurer. If the group is located in Ontario, they qualify under the Infectious Disease Emergency Leave (I.D.E.L. To set your temporary ATM withdrawal or in store purchase limits, slide the selector right or left to increase or decrease your limit. Skip to main content. From the Policy Summary screen, find your travel policy/certificate. If you travel to a location that is under a Level 4 (Avoid all travel) advisory, medical emergency will not be covered. Revisions to program impact reporting requirements given community-focused programming will be significantly impacted in the months to come. If travelers test results are positive for COVID-19 (even if asymptomatic) while in Rwanda, they will be treated as indicated in the National Covid-19 Management Guidelines until they have fully recovered, at their own cost. Refer to Global Affairs website for more information: https://travel.gc.ca/ opens new window. In the province of Quebec, an employer must also consider the expectations of the RAMQ with respect to private insurance plans, and how this could impact their decision to maintain benefits during a temporary layoff. And we’re here to help. To start a claim under the terms of your RBC Travel Insurance Coverage follow these steps: Please make sure to have all your supporting documents available when you open a claim online. Effective, March 13th, 2020, Global Affairs Canada has issued a travel advisory stating that Canadians should "Avoid all non-essential travel" applicable to all countries outside of Canada in order to limit the spread of COVID-19/Coronavirus. Most travel suppliers are offering refunds, vouchers, future travel credits or travel date change options. We also recognize that now more than ever, clients turn to us for advice and support. 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. 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. Or text "RBC" to 722722 and we'll text you the link. RBC is a founding partner of the Mental Health Fund. Should you want a printed record between monthly statements, we continue to offer mini statements from our ATMs. What is the difference between a Level 3 and Level 4 Advisory? Program Details: Note that skipping a payment is a deferral, not a waiver of that payment. We appreciate your patience as we work to support you through this time. Increased flexibility is being provided to our partners by allowing them to shift up to 50% of their funding to support operational expenses. Credits will be issued as a payment applied directly to the mortgage or loan account. Learn more and download it today. See the travel insurance section below for more details. If you have travel insurance on your RBC credit card or have purchased RBC travel insurance please visit www.rbcinsurance.com/covid-19 to submit your trip cancellation or interruption claim online at your earliest convenience. Visit www.rbcinsurance.com/covid-19 for more information. All RBC credit cards offer purchase security and extended warranty insurance and you can now submit your claim online to avoid the long wait times on the phone. On May 1, 2020, we replaced Travel HealthProtector insurance with a new travel insurance product lineup. Regardless of how you prefer to connect, we’re here to help. For more information on this benefit go to the Canada's Economic Response Plan opens new window website. The deferred interest will be added to the outstanding balance and interest will be charged on this new balance. When you defer a payment, the interest portion of all deferred payments is added to your outstanding balance at the time of deferral and interest is charged on that amount at your mortgage interest rate. For open locations and branch hours, please use the Branch Locator. We remain committed to keeping you informed about actions we’re taking, to support you during this time. We ask that you check the branch locator for the most current information prior to your visit. We are actively working with our community partners, subject matter experts, and the public and private sectors to understand and determine where the greatest community needs are and how to continue delivering the right support where and when it is needed most. From the Account Summary page, select your mortgage account. 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. Rwanda Biomedical Centre (RBC) is planning the inclusion of Covid-19 tests in different health insurance schemes, The New Times has learned. It's a safe and easy way to do your everyday banking and available 24/7. We are committed to ensuring that your insurance needs are met. Coverage and eligibility . ... Make sure you have the right travel insurance—get an online quote or talk to a licensed insurance advisor. Try our calculator to find out what it could cost. We have increased frequency of cleaning, with daily disinfection of our retail branches and ATMs, and will continue to enhance our cleaning protocols as we need to. There are also COVID-19-related additional resources: Looking for additional support for mental health? 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. We’ll do our best to help you to feel more at ease. Work-Life Employee Assistance program (EAP). This is a rapidly evolving situation and the risk assessment is likely to change frequently. Claims will not be adjudicated until the departure date due to this requirement. 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. RBC Insurance Services Inc. Website, © 1995-, Privacy & Security | Legal | Accessibility | Underwriters, for Credit Card and Travel Insurance Claims. Trip Cancellation / Trip Interruption: 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. To […]The post Will My Travel Insurance Cover COVID-19? Be aware of the changes providers are making to their travel insurance policies regarding COVID-19. RBC Insurance has more than 50 years of experience and serves over 8 million customers annually. We ask that you first contact your travel supplier (airline, tour operator or travel agent). 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. We’re taking added precautions to keep our clients and employees safe during the COVID-19 outbreak. You do not need to take any action. In the event of a branch closure, a notice will be posted on the branch door. RBC clients with other travel insurance should contact their travel insurance providers directly. 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. NEW – You can now submit your claim for emergency medical insurance using this online claim form. For open locations and branch hours, please visit maps.rbcroyalbank.com. You can: Click here to sign into RBC Online Banking. The RBC Future Launch ‘Future Ready’ Summit provides a unique experience to help youth navigate their futures in the wake of uncertainty. If you have further questions, please contact your Group Service Representative at 1-855-264-2174. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. While we offer this guidance, we strongly recommend that the employer consult with their own legal counsel and RAMQ for additional guidance. 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. No, not for the current term of your mortgage. Sabri Ben-Achour Mar 3, 2020. This ten-year, $500 million commitment is helping empower Canadian youth for the jobs of tomorrow. COVID-19/Coronavirus Travel Insurance Claims Process. 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. Things to consider if you need to visit a branch in person: Get more information and advice about specific RBC products and solutions. Additional non-travel RBC Rewards offerings have been impacted by COVID 19, get the latest information here. Our Group Benefits medical emergency coverage has changed effective January 1, 2021. Your payment amount won't change during the term of your mortgage. 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. Online and Mobile: Consider using the RBC Mobile app and our online banking services. RBC has donated funds to The World Health Organization’s COVID-19 Solidarity Response Fund. 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. Thank you for choosing RBC Insurance. Employees are encouraged to apply for this benefit when not in receipt of STD benefits, for example, during their STD elimination period. Be aware of the cancellation / change policy specific to the airline or travel provider you are booking with. Log into Online Banking to access your eStatements. Your medical emergency will remain covered during the 10-day period. Our priority is the safety and Well-being of our employees and our clients. If your trip was paid in full on a credit card, the travel supplier cancelled your trip, and the originally scheduled departure date was less than 110 days ago, you may qualify to receive a full refund by contacting your credit card company’s Disputes Department to initiate a request for Services Not Rendered. If you have already scheduled deferrals with us for a date in the future, the deferral will proceed as instructed. Many rely on summer jobs to help pay for their schooling. (Elimination Period is the period of time between when you first become sick and when you start receiving benefits. 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. While things continue to move fast and change quickly, below is some important information. Coronavirus COVID-19 is being called a pandemic by insurers, making travel insurance policies void. Please be advised that travelling to destinations under a travel advisory can have implications on emergency medical coverage. This article was updated on 1 June 2020. We encourage you to download the free Government of Canada COVID Alert app* to help protect yourself and others in your community. Can benefits be extended during temporary layoffs? Additional non-travel RBC Rewards offerings have been impacted by COVID 19, get the latest information here. Explore and learn how to do some of the most common transactions in RBC Online Banking or the RBC Mobile app. You may be eligible to submit a trip cancellation / trip interruption claim for travel booked prior to March 13, 2020 at 5:30PM (EST). ), 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. Book an appointment online to speak with one of our Advisors, to discuss your immediate needs. COVID-19 - How RBC Insurance is helping clients Read More How RBC Insurance is helping clients. 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. 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 Job loss is not a coverage available under HomeProtector Insurance and LoanProtector Insurance. Do you need to submit an insurance claim for trip cancellation, trip interruption, medical, baggage, purchase security or extended warranty? 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. 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