Travelling can be fun, exciting and sometimes scary. Here are some common mishaps that can happen to any traveler, and how being adequately insured can prevent those mishaps from becoming worst-case scenarios.


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A Tale of Two Trips

Accidents, illness and entirely unexpected events can throw a wrench into the best-laid travel plans. Here’s a look at two very different ways a not-so-perfect trip can go when you plan ahead. A comprehensive travel insurance plan can help add some relief if you’re faced with an eligible loss.

A Sudden Change of Plans

After months of saving, Sarah was finally able to book her dream trip to Thailand. Unfortunately, just days before her flight, an unexpected medical issue forced her to cancel those plans. Not only was she disappointed about the trip, but since she had already paid for everything, she was also worried about losing all of her hard-earned money.

Unexpected medical issues are common reasons for expensive trip cancellations.

A TRIP WITH COMPREHENSIVE TRAVEL INSURANCE: You can claim the non-refundable travel arrangements, including flights, hotels and car rentals.

A TRIP WITHOUT TRAVEL INSURANCE: Regardless of the circumstance, you forfeit the full amount of your non-refundable travel arrangements.

Case of The Missing Passport

Patrick’s annual sunny getaway to Mexico was going great—until he discovered his passport was missing. Patrick was nervous about being without his identification, but he was more worried that he wouldn’t be able to replace it in time for his return flight home.

If your passport goes missing, it can cause a lot of stress and put a big dent in your travel plans.

See what could happen to Patrick in this scenario:

A TRIP WITH COMPREHENSIVE TRAVEL INSURANCE: If your insurance includes Baggage & Personal Effects coverage, you can make a claim for the replacement of travel documents by calling the 24/7 assistance centre. And if you have to stay put until things are resolved, your insurance may be able to help with that too.

A TRIP WITHOUT TRAVEL INSURANCE: You will need to replace your passport entirely at your own expense.

Not That Kind of Trip

Backpacking in Germany seemed like the adventure of a lifetime for Luke and his friends. Unfortunately, the trip turned into a different kind of adventure after Luke ate something that made him terribly ill. He was panicked about being in a foreign country where the language barrier might hinder his ability to communicate with emergency medical care workers.

The most common medical emergencies happen to otherwise healthy travellers as a result of accidents such as falls or something you’ve eaten.

See what could happen to Luke in this scenario:

A TRIP WITH COMPREHENSIVE TRAVEL INSURANCE: You will have access to 24/7 multi-lingual assistance on hand anywhere in the world. They will ensure your safe transportation to proper care and they will have registered nurses and consulting physicians on hand for you at all times.

A TRIP WITHOUT TRAVEL INSURANCE: The level of care you receive depends on the availability of local medical care which varies greatly by destination. You will have to find your own transportation to medical facilities.

Hindsight is So Cost-Efficient

The average cost of travel medical insurance for a 30-year-old travelling for eight days is $39.1

While skipping insurance might seem like an easy way to keep travel costs down, the cost of not having it could turn out to be much higher.

Speak to an RBC Insurance Advisor to ensure you have the right travel insurance coverage for your next trip.

The affordable cost of protection might just surprise you. Get a travel insurance quote for your next trip.

Terms and Conditions apply. Review your policy for details.


1. Based on RBC Insurance Classic Medical 8-Day Coverage for a 30 year old. Rates subject to change. Rates do not include sales tax.

This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.