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It explains what cardholders must do during a medical emergency, when contacting the insurer is required, and the consequences of using non-approved providers. Coverage details include first-day limits by age, potential top-up options, key definitions for applicants and covered persons, and important notices about exclusions and pre-existing conditions.",{"@graph":69,"@context":123},[70,84,106],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":35,"@type":76,"position":81},"https://docshare.wps.com/document/healthcare/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/westjet-rbc-world-elite-mastercard-certificate-of-insurance-emergency-medical-insurance-and-travel-benefits/296598/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/westjet-rbc-world-elite-mastercard-certificate-of-insurance-emergency-medical-insurance-and-travel-benefits/296598.png","ImageObject",300,407,{"name":92,"@type":93},"Mary Man","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-10-22","2026-09-18",true,{"@type":102,"interactionType":103,"userInteractionCount":105},"InteractionCounter",{"@type":104},"ViewAction",26,{"@type":107,"mainEntity":108},"FAQPage",[109,115,119],{"name":110,"@type":111,"acceptedAnswer":112},"Who provides and administers this emergency medical insurance coverage?","Question",{"text":113,"@type":114},"RBC Insurance Company of Canada (the Insurer) issued the group policy, and AZGA Service Canada Inc. (operating as Allianz Global Assistance) provides assistance and claims services under the certificate.","Answer",{"name":116,"@type":111,"acceptedAnswer":117},"What should you do if you have a medical emergency while outside your province or country?",{"text":118,"@type":114},"Call the insurer before receiving emergency treatment. If your condition prevents calling, call as soon as medically possible or have someone else call on your behalf.",{"name":120,"@type":111,"acceptedAnswer":121},"How long does Out of Province/Country Emergency Medical Insurance coverage last, and is top-up available?",{"text":122,"@type":114},"Coverage is provided for the first fifteen consecutive days if you are under 65, or the first three consecutive days if you are 65 or older. 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Please read these Certificates of Insurance and keep them in a safe place.  \nOut of Province/Country Emergency Medical Insurance Certificate of Insurance  \nIntroduction  \nRBC Insurance Company of Canada (the “Insurer”) has issued group insurance policy U-1014451-A to Royal Bank of Canada (“Royal Bank”) to cover emergency medical expenses incurred by covered persons while outside their Canadian province or territory of residence . All covered persons are clients of RBC Insurance Company of Canada . This Certificate of Insurance contains the terms and conditions of this group insurance policy .  \nRBC Insurance Company of Canada has appointed AZGA Service Canada Inc  . (operating as “Allianz Global Assistance”) as the provider of all assistance and claims services under this Certificate of Insurance  .  \nWhat should you do ina medical emergency?  \nIf you have a medical emergency, you must call us before you receive emergency treatment . Of course, if your medical condition prevents you from calling, we understand – you must call as soon as medically possible or, asan alternative, someone else may call on your behalf (relative, friend, nurse or doctor)  .  \nIf you do not call us or if you choose to seek care from a non-approved medical service provider, you will be responsible for a portion of your medical expenses as outlined under “Limitations of coverage”.  \nWe can be contacted by calling:  \n1-800-533-2778 toll-free from the US & Canada or  \n905-816-2581 collect from anywhere in the world.  \nImportant notice – please read carefully  \n■ Travel insurance is designed to cover losses arising from sudden and unforeseeable circumstances. It is important that you read and understand your insurance before you travel as your coverage may be subject to certain limitations or exclusions.  \n■ A pre-existing medical condition exclusion applies to medical conditions and/or symptoms that existed prior to your trip. Check to see how this applies in your Certificate of Insurance and how it relates to your departure date, date of purchase, or effective date.  \n■ In the event ofan accident, injury or sickness, your prior medical history may be reviewed when a claim is reported.  \n■ Your insurance provides travel assistance. You are required to notify us prior to receiving emergency treatment. Your insurance limits the benefits should you not contact us immediately.  \nIT IS YOUR RESPONSIBILITY TO UNDERSTAND YOUR COVERAGE. IF YOU HAVE QUESTIONS, CALL 1-800-533-2778 or contact us at RBC Insurance Company of Canada Claims, c/o Allianz Global Assistance, P.O. Box 277, Waterloo, ON N2J 4A4.  \nHelpful information about Out of Province/Country Emergency Medical Insurance  \n■ Coverage is provided for the first fifteen (15) consecutive days of your trip if you are under 65 years of age or for the first three (3) consecutive days of your trip if you are 65 years of age or older .  \n■ Top-up coverage is available if you are travelling for more than fifteen (15) days and you are under 65 years of age or if you are travelling for more than three (3) days and you are 65 years of age or older . P","cbCaij3GknZL0UVG","https://ap.wps.com/l/cbCaij3GknZL0UVG","pdf",656895,48,"English","# Out of Province/Country Emergency Medical Insurance\n## Introduction\n## What should you do in a medical emergency?\n## Important notice – please read carefully\n## Helpful information about Out of Province/Country Emergency Medical Insurance\n## Definitions","[{\"question\":\"Who provides and administers this emergency medical insurance coverage?\",\"answer\":\"RBC Insurance Company of Canada (the Insurer) issued the group policy, and AZGA Service Canada Inc. (operating as Allianz Global Assistance) provides assistance and claims services under the certificate.\"},{\"question\":\"What should you do if you have a medical emergency while outside your province or country?\",\"answer\":\"Call the insurer before receiving emergency treatment. If your condition prevents calling, call as soon as medically possible or have someone else call on your behalf.\"},{\"question\":\"How long does Out of Province/Country Emergency Medical Insurance coverage last, and is top-up available?\",\"answer\":\"Coverage is provided for the first fifteen consecutive days if you are under 65, or the first three consecutive days if you are 65 or older. Top-up coverage may be available for longer trips by age group, and you must call the Enrollment Centre for further information.\"}]","WestJet RBC - World Elite Mastercard - Certificate of Insurance - Emergency Medical Insurance and Travel Benefits | PDF",1789734686,121]