RBC TravelCare 医疗年度多次险（65 岁及以上，金银铜三档稳定期）

Your medical condition or related condition (whether or not the diagnosis has been determined) if, at any time in the 180 days before you depart on your trip, your medical condition or related condition has not been stable. Anyheart heartcondition conditionhas hasnot notbeen beenstable; stable;or or

EXCLUSION 1 – TRAVELCARE GOLD This insurance does not pay for any expenses incurred directly or indirectly as a result of: 1 Your medical condition or related condition (whether or not the diagnosis has been determined) if, at any

Stable – a medical condition is considered stable when all of the following statements are true: • there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and • there has not been any change to any existing prescribed drug (including an increase, decrease, or stoppage to prescribed dosage), or any r

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have correctly completed the medical questionnaire; • be covered under your government health insura

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you may cancel it within 10 days of purchase for a full refund, provided you have not left on your trip and have not experienced an event that would cause you to submit a claim. Refunds after the 10 day may not be permitted. When does your coverage end? What i

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you do not call us before you obtain emergency treatment, you will be responsible for 30% of your medical expenses covered under this insurance. 3 Thisinsurance insurancedoes doesnot notco

if you need other emergency dental treatment, you are covered for the emergency dental expenses you incur during your trip, up to a maximum of $300, and the complete cost of prescription drugs. Underw

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at the time the coverage is purchased, be 65 years of age or older; • purchase your coverage before

days outside of Canada if you have purchased the 60-Day option (available to persons under 80 years of age only). The consecutive days for travel outside of Canada include your date of depa

outside of Canada if you have purchased the 30-Day option (available to persons under 80 years of age only); or Underwritten by RBC Insurance Company of Canada

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Emergency Medical Treatment Unlimited1 Incidental Hospital Expenses $500 Physiotherapist,

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60 consecutive days outside of Canada if you have purchased the 60-Day option (available to persons under 80 years of age only). The consecutive days for travel outside of Canada include your date of

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hospital accommodation in a semi-private room when you are a resident inpatient; • outpatient services provided by a hospital; • the services of a licensed priv

services of a legally licensed physician, surgeon, anaesthetist or registered graduate nurse; • hospital accommodation in a semi-private room when you are a res

diagnostic testing, when pre-authorized by us; • the services of the following l

prescription drugs. Emergency Dental This insurance covers t

Ground ambulance This insurance covers you for local ground ambulance service to a hospital, physician or medical service provider in an emergency. We will pay

Emergency Transportation One-way Economy airfare, or stretcher, or qualified medical attendant or air ambulance Emergency Dental Treatment2 $300 and/or accident

Repatriation of your remains If, during your trip, you die from a medical condition covered under this insurance, the insurance covers: • the transportation of your remains in the common carrier’s standard transportation container to your province or territory

covered under this insurance, the insurance covers: • the transportation of your remains in the common carrier’s standard transportation container to your province or territory of residence, and up to $5,000 for the preparation of your remains and for

Bedside Companion’s travel to bedside Economy Airfare & $500 out of pocket expenses Emergency Transportation One-way Eco

up to $175 per day to a maximum of $1750, for your commercial accommodations and meals, essential telephone calls, internet usage fees, and taxi fares (ride sharing or rental car in lieu of taxi fares

Return of children One-way economy Airfare & escort if necessary Return of one travelling companion

e.g., medical conditions that are not stable, pregnancy, child born on trip, excessive use of alcohol, high risk activities. Underwritten by RBC Insurance Compa

Your participation as a professional athlete in a sporting event including training or practice for the same. 11 Your participation in rock climbing or mountain climbing. 12 Your participation in a motorized race or motorized speed contest including training or practice for the same. 13 AAtrip made for the purpose of obtaining a diagnosis, treatment, surgery, investigation, pal

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Your participation in a motorized race or motorized speed contest including training or practice for the same. 13 AAtrip made for

including symptoms of withdrawal, arising from, or in any way related to, your chronic use of alcohol, drugs or other intoxicants whether prior to or during your trip. 8 Any Anymedical condition that is the result of you not following

official travel advisory issued before your effective date by the Canadian government stating “Avoid all non-essential travel” or “Avoid all travel” regarding the country, region or city of your destination. **To view the travel advisories, visit the Governmen

We will not pay a benefit with respect to non-emergency, experimental or elective treatment (e.g. cosmetic surgery, chronic care, rehabilitation including any expenses for directly or indirectly relat

What if you decide to extend your trip? If you decide to extend your trip, any extension of your coverage is subject to the following conditions: 1 a If you have not had a medical condition under your existing coverage under any of our insurances, you must request the extension by contacting us before your return date. b If you have had a medical condition under your existing coverage un

you do not call us before you obtain emergency treatment, you will be responsible for 30% of your medical expenses covered under this insurance. 3 Thisinsurance insurancedoes doe

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IMPORTANT Your TravelCare Medical Multi-Trip annual plan terminates at the end of each 365 day period and you must apply for new coverage. U

9 consecutive days outside of Canada if you have purchased the 9-Day option; or • 16 consecutive days outside of Canada if you have purchased the 16-Day option; or • 30 consecutive days outside of Canada if you have purchased the 30-Day option (available to persons under 80 years of age only); or Un

This insurance is subject to a maximum of $20,000 if you do not have valid government health insurance plan coverage at the time of claim. 5 When does your cove

If you want to top-up your coverage, you may purchase another certificate of insurance from us under the insurance for which you are eligible, and that is available for the duration that includes the period beginning with your effective date and ending at your new return date for the additional number of days beyond the duration

Coverage is limited to an eligible person who is travelling outside of Canada for any number of trips for a maximum of: • 9 consecutive days outside o