RBC Visa Infinite Avion Certificate of Insurance
RBC Visa Infinite Avion Certificate of Insurance
RBC Visa Infinite Avion Certificate of Insurance
Introduction
RBC 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 the Insurer. This Certificate of Insurance summarizes the
provisions of this group insurance policy.
Co-applicant means a person who has signed and/or submitted an application for an RBC
Avion Visa Infinite card as the co-applicant, and to whom a card has been issued. A co-
applicant must be a permanent resident of Canada.
Covered person means any of the following persons who have a valid government health
insurance plan: the applicant, the applicant’s spouse, and/or the applicant’s dependent
child who travels with or joins the applicant and/or the applicant’s spouse on the same
trip. An additional cardholder is a covered person in his/her own right. A covered person
may be referred to as “you” or “your” or “yourself”. The spouse and/or dependent child of an
additional cardholder are not eligible for this insurance, unless they are otherwise covered
as described above (the applicant, the applicant’s spouse, and/or the applicant’s dependent
child who travels with or joins the applicant and/or the applicant’s spouse on the same trip).
Departure point means the province or territory you depart from on the first day of your
intended trip.
Dependent child (or dependent children) means an unmarried, natural, adopted, step
or foster child, or legal ward of the applicant who is covered under a government health
insurance plan and is:
n under twenty-one (21) years of age, or
n under twenty-six (26) years of age if a full-time student, or
n mentally or physically handicapped and incapable of self-sustaining employment and
totally reliant on you for support and maintenance.
Emergency treatment means any treatment, surgery or medication that:
n is required for the immediate relief of an acute symptom; or
n upon the advice of a physician cannot be delayed until you return to Canada, and has to
be received during your trip because your medical condition prevents you from returning
to Canada.
The emergency treatment must be ordered by or received from a physician or received in a
hospital during your trip.
Government health insurance plan means the health insurance coverage that Canadian
provincial and territorial governments provide for their residents.
Hospital means an establishment that is licensed as an accredited hospital, is operated
for the care and treatment of in-patients, has a registered nurse always on duty, and has
a laboratory and an operating room on the premises or in facilities controlled by the
establishment. Hospital does not mean any establishment used mainly as a clinic, extended
or palliative care facility, rehabilitation facility, convalescent, rest or nursing home, home for
the aged, health spa or addiction treatment centre.
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Medical condition means accidental bodily injury or sickness (or a condition related to that
accidental bodily injury or sickness), including disease, acute psychoses and complications
of pregnancy occurring within the first thirty-one (31) weeks of pregnancy.
Medical emergency means any unexpected or unforeseen sickness or bodily injury that
occurs during the period of coverage and makes it necessary for you to receive immediate
treatment from a physician or to be hospitalized .
Mental or emotional disorders means emotional or anxiety states, situational crisis,
anxiety or panic attacks, or other mental health disorders treated with minor tranquilizers
or anti-anxiety (anxiolytic) medication.
Mountain climbing means the ascent or descent of a mountain requiring the use of
specialized equipment, including crampons, pick-axes, anchors, bolts, carabiners and lead-
rope or top-rope anchoring equipment.
Permanent resident means a person who resides in Canada for at least six (6) months
of the year. However, individuals otherwise eligible for coverage who are members of the
Canadian Foreign Service need not satisfy this requirement.
Physician means someone who is not you or a member of your family who is licensed to
prescribe drugs and administer medical treatment (within the scope of such license) at
the location where the treatment is provided. A physician does not include a naturopath,
herbalist, homeopath or chiropractor.
Prescription drugs means drugs and medicines that can only be issued upon the
prescription of a physician or dentist and are dispensed by a licensed pharmacist.
Spouse means the person who is legally married to you, or has been living in a conjugal
relationship with you and residing in the same household as you for a continuous period of
at least one (1) year.
Stable means any medical condition or related condition (including any heart condition or
any lung condition) for which there have been:
n no new treatment, new medical management or new prescribed medication; and
n no change in treatment, change in medical management or change in medication; and
n no new symptom or finding, more frequent symptom or finding, or more severe symptom
or finding experienced; and
n no new test results or tests showing a deterioration; and
n no investigations or future investigations initiated, or recommended for your symptoms;
and
n no hospitalization or referral to a specialist (made or recommended) ,
Top-up means the coverage you purchase from the Enrollment Centre to extend your
coverage beyond the maximum duration of the first fifteen (15) consecutive days if you are
under 65 years of age or the first three (3) consecutive days if you are 65 years of age or older.
Trip means travel outside your Canadian province or territory of residence up to a maximum
duration of the first fifteen (15) consecutive days if you are under the age of 65 or three (3)
days if you are 65 years of age or older.
5. Return of deceased
Covers:
n the return of your remains in the common carrier’s standard transportation
container to your departure point, and up to $5,000 for the preparation of your
remains and the cost of the common carrier’s standard transportation container; or
n the return of your remains to your departure point, and up to $5,000 for the
cremation of your remains where your death occurred; or
n up to $5,000 for the preparation of your remains and the cost of a standard burial
container, and up to $5,000 for the burial of your remains where your death occurred.
If someone is legally required to identify your remains, this insurance covers the cost of
round-trip economy class transportation by the most cost-effective route and up to $300
for meal and hotel accommodation expenses for that person. That person is covered
under the terms of your insurance during the period in which he or she is required to
identify your remains but for no longer than three (3) business days.
6. Additional hotel and meal expenses
Covers the cost of up to $150 per day, to a maximum of $1,500, for meal and commercial
accommodation expenses you have incurred after the date you are scheduled to return
to the departure point, when your return is delayed due to your medical emergency or
when you are relocated to receive emergency treatment.
7. Bringing relative to bedside
Covers the cost of round-trip economy class transportation by the most cost-effective
route, to have a relative visit you when you are hospitalized during your trip. However,
if you are under age twenty-one (21), or age twenty-one (21) and over and physically
handicapped and dependent on your bedside companion for support, this insurance
provides this benefit to you as soon as you are admitted to a hospital. That person is
entitled to a maximum of $300 for meal and hotel accommodation expenses and is
covered under the terms of your insurance during the period in which he or she is required
at your bedside. The visit must be approved in advance through Assured Assistance.
8. Return of vehicle
Covers the reasonable costs for a commercial agency, when arranged and approved
through Assured Assistance, to return a vehicle to your residence or to a commercial
rental agency, when you are unable to return the vehicle due to a medical emergency.
The vehicle can be a private passenger automobile, self-propelled mobile home, camper
truck, trailer home, or motorcycle that you own or rent and which you use during your trip.
9. Return of dependent child or dependent children
If a dependent child or dependent children insured under your insurance travel with
or join you during your trip, and you are hospitalized for more than twenty-four (24)
hours, or you must return to Canada because of your medical emergency covered under
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this insurance, this insurance covers, when arranged and approved through Assured
Assistance, the extra cost of one-way economy transportation by the most cost-effective
route to the dependent children’s departure point and the cost of return economy
transportation for an escort, when an escort is deemed necessary by the carrier.
10 Return of your excess baggage
If you return to your departure point by air ambulance (pre-authorized by Assured
Assistance) because of your medical emergency, this insurance covers the cost to return
your excess baggage up to a maximum of $500, when medically required and approved in
advance and arranged through Assured Assistance.
Limitations of coverage
If you do not call Assured Assistance before you seek emergency treatment, or if you choose
to seek care from a non-approved medical service provider, you will be responsible for
20% of your medical expenses covered under this insurance and not recovered from your
government health insurance plan, to a maximum of $25,000. If, after reimbursement by your
government health insurance plan, your claim exceeds $25,000, this insurance will pay 100%
of any covered expenses over and above $25,000.
Should your medical condition prevent you from calling Assured Assistance before
seeking emergency treatment, you must call as soon as medically possible or someone
else may call on your behalf.
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General exclusions
The Insurer will not pay for any expenses incurred directly or indirectly as a result of:
1. Any medical condition for which:
n
you are awaiting the outcome of medical tests, the results of which show any
irregularities or abnormalities, or
n
future investigation or treatment (except routine monitoring) is planned before
your trip.
2. The continued treatment, investigation, recurrence or complication of a medical
condition following emergency treatment for that medical condition during your trip if
the medical advisors of Assured Assistance determine that you were medically able to
return to your province or territory of residence and you chose not to return.
3. The treatment of any heart or lung condition following emergency treatment for a
related or unrelated heart or lung condition during your trip if the medical advisors of
Assured Assistance determine that you were medically able to return to your province or
territory of residence and you chose not to return.
4. Any treatment that is not emergency treatment.
5. Routine care of a chronic condition.
6. Any medical condition for which it was reasonable, prior to departure, to expect
treatment or hospitalization during your trip.
7. Symptoms which would have caused an ordinarily prudent person to seek treatment or
medication in the ninety (90) days before your trip.
8.
Your medical emergency or related medical condition, if the reason for your medical
emergency or related medical condition is associated in any way with a written formal
travel warning issued before your effective date by the Department of Foreign Affairs
and International Trade of the Canadian Government, advising Canadians not to travel
to the country, region or city of your trip.
9. Any portion of the benefits that require prior authorization and arrangement by
Assured Assistance if such benefits were not pre-authorized and arranged by Assured
Assistance.
10. Invasive testing or surgery (including cardiac catheterization and MRI) unless approved
by Assured Assistance prior to being performed.
11. Any medical condition if you undertake your trip with the prior knowledge that you will
require or seek treatment, surgery, investigations, palliative care or alternative therapy
of any kind, regardless of whether the treatment, surgery, investigations, palliative care
or alternative therapy is related in any way to the medical condition.
12. The following:
a. routine pre-natal care, or
b. complications of pregnancy occurring within nine (9) weeks before or after the
expected date of delivery, or
c. complications of childbirth occurring within nine (9) weeks before or after the
expected date of delivery.
13. Any child born during the trip.
14. Your participation as a professional in sports, participation as a professional in
underwater activities, scuba diving as an amateur unless you hold a basic scuba
designation from a certified school or other licensing body, participation in a motorized
race or motorized speed contest, bungee jumping, parachuting, rock climbing, mountain
climbing, hang-gliding or skydiving.
15. Your committing or attempting to commit a criminal offence.
16. Your intentional self-inflicted injury, suicide or attempted suicide (whether sane or
insane).
17. Your mental or emotional disorders.
18. Any medical condition, arising from, or in any way related to, your chronic use of alcohol
or drugs whether prior to or during your trip.
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19. Your abuse of medication, drugs or alcohol or deliberate non-compliance with
prescribed medical therapy or treatment whether prior to or during your trip.
20. Act of foreign enemies or rebellion, voluntarily and knowingly exposing yourself to risk
from an act of war (declared or not) or voluntarily participating in a riot or civil disorder.
21. Treatment or surgery for a medical condition, or a related condition, which had caused
your physician to advise you not to travel.
22. Any medical condition if the medical advisors of Assured Assistance recommend that
you return to your country of residence following emergency treatment you have
received, and you chose not to return.
23. Ionizing radiation or radioactive contamination from any nuclear fuel or waste that
results from the burning of nuclear fuels; or the radioactive, toxic, explosive or other
dangerous properties of nuclear machinery or any part of it.
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c.
Your agreement to disclose any of the information available under a) and b) above to
other sources, as may be required for the processing of your claim for benefits obtainable
from other sources.
After the Insurer pays your health care provider or reimburses you for covered expenses, it
will seek reimbursement from your government health insurance plan and any other medical
insurance plan under which you may have coverage. You may not claim or receive in total
more than 100% of your total covered expenses or the actual expenses which you incurred,
and you must repay to us any amount paid or authorized by the Insurer on your behalf if
and when the Insurer determines that the amount was not payable under the terms of your
policy.
If you are retired and your former employer provides to you under an extended health
insurance plan, a lifetime maximum coverage of:
n $50,000 or less, we will not co-ordinate payment with such coverage;
n more than $50,000, we will co-ordinate payment with such coverage only in excess of
$50,000.
If you are actively employed and your current employer provides to you under a group health
plan, a lifetime maximum coverage of:
n $50,000 or less, we will not co-ordinate payment with such coverage;
n more than $50,000, we will co-ordinate payment with such coverage only in excess of
$50,000.
You may only commence a legal action in the province or territory where the Certificate of
Insurance was issued. You or your heirs assign consent to the transfer of any legal action to
the province or territory where the Certificate of Insurance was issued.
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9. This policy contains a provision removing or restricting the right of the group
person insured to designate persons to whom or for whose benefit insurance
money is to be payable.
10. On reasonable notice you or a claimant under the contract will be provided with a copy
of the group contract.
11. Every action or proceeding against an insurer for the recovery of insurance money
payable under the contract is absolutely barred unless commenced within the time set
out in the Insurance Act (for actions or proceedings governed by the laws of Alberta and
British Columbia), The Insurance Act (for actions or proceedings governed by the laws
of Manitoba), the Limitations Act, 2002 (for actions or proceedings governed by the laws
of Ontario), or in other applicable legislation in your province of residence. For those
actions or proceedings governed by the laws of Quebec, the prescriptive period is set out
in the Quebec Civil Code.
Introduction
RBC Insurance Company of Canada (the “Insurer”) has issued group insurance policy
F-2035807-A to Royal Bank of Canada (“Royal Bank”) to cover the loss from an injury as
a result of an accident incurred by covered persons on a common carrier while travelling
outside their Canadian province or territory of residence. All covered persons are clients of
the Insurer. This Certificate of Insurance summarizes the provisions of this group insurance
policy. This Certificate of Insurance replaces any prior Certificate of Insurance that may
have been provided to you in connection with this coverage.
Helpful information
n The Travel Accident Insurance covers you in the event of an accidental bodily injury
resulting in a loss, including death, while travelling on a common carrier, for up to
$500,000 CAD.
n Please consult the list of specific losses covered under the “Specific loss indemnity”
section herein.
n You are covered for trips taken outside your province or territory of residence.
Definitions
Throughout this document, all italicized terms have the specific meaning explained below.
Accident means a sudden and unforeseen event due to an external cause and resulting,
directly and independently of any other cause, in any bodily injury or death.
Additional cardholder means a co-applicant or an authorized user.
Alternate transportation means the transportation offered to you when the common
carrier providing the transportation for your covered trip is delayed or re-routed, requiring
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the transportation company which would have operated such common carrier to arrange for
such alternate transportation.
Applicant means a person who has signed and/or submitted an application as the primary
cardholder of an RBC credit card, to whom a card has been issued and in whose name the
card account is established. An applicant does not include an additional cardholder. An
applicant must be a permanent resident of Canada.
Authorized user means a person, other than the applicant and the co-applicant, to whom
an RBC credit card has been issued at the request of the applicant or the co-applicant. An
authorized user must be a permanent resident of Canada.
Co-applicant means a person who has signed and/or submitted an application for an RBC
credit card as the co-applicant, and to whom a card has been issued. A co-applicant must be
a permanent resident of Canada.
Common carrier means any passenger plane, land, or water conveyance (other than a
rental vehicle or cruise ship) for regularly scheduled passenger service, which is licensed
to transport passengers for compensation or hire and also includes any alternate
transportation. Common carrier does not include any such conveyance that is hired,
chartered or used for a sport, gamesmanship, contest, sightseeing, observatory and/or
recreational activity, regardless of whether or not such conveyance is licensed. Taxis or
limousines are excluded from this definition except in the specific case as outlined in “What
is Covered” section 2.
Contamination means the poisoning of people by nuclear, chemical and/or biological
substances which causes illness and/or death.
Covered person means the applicant, the applicant’s spouse, and/or the applicant’s
dependent child who travels with or joins the applicant and/or the applicant’s spouse on the
same trip. An additional cardholder is a covered person in his/her own right. The spouse and/
or dependent child of an additional cardholder are not eligible for this insurance, unless they
are otherwise covered as described above (the applicant, the applicant’s spouse, and/or the
applicant’s dependent child who travels with or joins the applicant or the applicant’s spouse
on the same trip). A covered person may be referred to as “you” or “your” or “yourself”. All
covered persons must be permanent residents of Canada.
Dependent child means an unmarried, natural, adopted, step or foster child, or legal ward
of the applicant who resides with the applicant and who is:
n Under twenty-one (21) years of age; or
n Under twenty-six (26) years of age if he/she is a full-time student; or
n Mentally or physically handicapped and incapable of self-sustaining employment and
totally reliant on you for support and maintenance.
Family member(s) means your spouse, a dependent child, parents, stepparents,
grandparents, grandchildren, in-laws, brothers, sisters, stepbrothers and stepsisters.
Hospital means an establishment that is licensed as an accredited hospital, is operated
for the care and treatment of in-patients, has a registered nurse always on duty, and has
a laboratory and an operating room on the premises or in facilities controlled by the
establishment. Hospital does not mean any establishment used mainly as a clinic, extended
or palliative care facility, rehabilitation facility, convalescent, rest or nursing home, home for
the aged, health spa or addiction treatment centre.
Injury or Injuries means a bodily injury, certified by a physician, resulting in a loss caused to
you by an accident occurring on a trip.
Loss or losses means loss of life or the total and irrevocable loss of use of one or more of the
following of limb(s)/organ(s), as follows:
n l oss of a hand or a foot means the total and irrevocable loss of use including the wrist
joint and the ankle joint;
n with regard to eyes, total and irrecoverable loss of sight;
n with regard to a leg or an arm, the total and irrevocable loss of use through or above the
knee or elbow joint;
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n l oss of a thumb and index finger means the total and irrevocable loss of use, including all
phalanges, but excluding the loss of the hand or foot;
n with regard to speech and hearing, total and irrecoverable loss;
n l oss of a finger or a toe means the total and irrevocable loss of use, including all
phalanges, but excluding the loss of the hand or foot;
n with regard to paralysis (quadriplegia, paraplegia, hemiplegia), loss must result in the
complete and irreversible paralysis of such limbs.
Passenger means a covered person riding onboard a common carrier. The definition of
passenger does not include a person acting as a pilot, operator or crew member.
Passenger plane means a certified multi-engine transportation aircraft provided by a
regularly scheduled airline on any regularly scheduled trip operated between licensed
airports and holding a valid Canadian Air Transport Board or Charter Air Carrier licence, or
its foreign equivalent, and operated by a certified pilot.
Permanent resident means a person who resides in Canada for at least six (6) months
of the year. However, individuals otherwise eligible for coverage who are members of the
Canadian Foreign Service need not satisfy this requirement.
Physician means someone who is not you or a family member who is licensed to prescribe
drugs and administer medical treatment (within the scope of such license) at the location
where the treatment is provided. A physician does not include a naturopath, herbalist,
homeopath or chiropractor.
Spouse means the person who is legally married to you, or has been living in a conjugal
relationship with you and who has been residing in the same household as you for a
continuous period of at least one (1) year.
Terrorism or act of Terrorism means an act, including but not limited to the use of force
or violence and/or the threat thereof, including hijacking or kidnapping, of an individual or
group in order to intimidate or terrorize any government, group, association or the general
public, for religious, political or ideological reasons or ends, and does not include any act of
war (whether declared or not), act of foreign enemies or rebellion.
Trip means travel outside your Canadian province or territory of residence on a common
carrier the fare for which is paid in full on the RBC credit card and/or RBC Rewards® points.
B. Rehabilitation
When injuries result in a payment being made under the “Specific loss indemnity” section
above (Benefit A), an additional amount would be payable to you by the Insurer as follows:
The reasonable and necessary expenses you actually incurred, up to a limit of $2,500, for
special training provided:
a. such training is required because of such injuries, and in order for you to be qualified
to engage in an occupation in which you would not have been engaged except for such
injuries; and
b. expenses are incurred within two (2) years from the date of the accident.
No payment will be made for ordinary living, travelling or clothing expenses.
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C. Family transportation
When you are confined as an inpatient in a hospital for injuries that result in a payable
loss under the Policy and you require the personal attendance of a family member as
recommended by the attending physician, or where due to your accidental death, the
attendance of a family member is required, the Insurer will pay for the expenses incurred by
the family member for transportation to you by the most direct route by a common carrier,
but not to exceed an amount of $1,000.
Limitations
1. If, as a result of an accident, you sustain injuries resulting in multiple losses, the maximum
indemnity the Insurer will pay to you for all your losses will equal the highest indemnity
amount for one (1) of your losses and will not exceed $500,000.
2. Indemnity will not be paid while you are in a coma.
3. When your death or loss occurs more than fifty-two (52) weeks after the accident, unless
you are in a coma at the end of that period; the Insurer will determine which benefits you
are entitled to, if applicable, when you regain consciousness.
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In certain circumstances, the Insurer may require that you fill out a consent form in
order to give:
a. y our consent to verify your health card number and other information required to
process your claim, with the relevant government and other authorities;
b. y our authorization to physicians, hospitals and other medical providers to provide the
Insurer any and all information they have regarding you, while under observation or
treatment, including your medical history, diagnoses and test results; and
c. y our agreement to disclose any of the information available under a) and b) above to
other sources, as may be required for the processing of your claim for benefits obtainable
from other sources.
Submission of claims and all required documents/information must be sent to:
RBC Insurance Company of Canada
Claims Centre
PO Box 97, Station A
Mississauga, ON L5A 2Y9
1-800-464-3211
You must submit the information required for your claim within ninety (90) days of the date
of the loss. If it is not reasonably possible to provide such information within ninety (90)
days, you must do so within one (1) year of the loss or your claim will not be reviewed.
The Claims Center will notify you of the decision on your claim within sixty (60) days of
receiving all of the required information.
Payment of claims
Benefits for loss of your life will be paid to your designated beneficiary(ies) (as further
described below). Benefits for all other covered losses sustained by you will be paid to you,
if living, otherwise to your designated beneficiary(ies). If more than one (1) beneficiary
is designated and the beneficiaries’ respective percentage of policy distribution is not
specified, the designated beneficiaries shall share equally. If no beneficiary has been
designated, or if the designated beneficiary does not survive you, the benefits will be paid
to your estate.
Beneficiary
Under this Certificate of Insurance, you may designate a beneficiary or change a previously
designated beneficiary. No one else but you may designate or change a previously
designated beneficiary. For such designation or change to become effective, you must
complete a form entitled “Designation, Revocation or Addition of Beneficiary(ies)” and
submit it to the Insurer. You can obtain this form at your convenience from our website at
www.rbcinsurance.com/cardsbeneficiaryform. To obtain a paper copy by mail, please call
RBC Insurance Company of Canada at 1-800-533-2778 toll-free from the US & Canada, or (905)
816-2581 collect from anywhere in the world. Such designation or change shall take effect as
of the date the form was signed by you but no earlier than June 1, 2013. Any payment made by
the Insurer prior to the receipt of such designation or change shall fully discharge the Insurer
to the extent of such payment.
Legal actions
No action at law or in equity shall be brought to recover on the Policy prior to the expiration
of sixty (60) days after the written proof of loss has been furnished in accordance with the
section “What to do if you have a claim” above. No such action shall be brought after the
expiration of three (3) years from the decision on your claim by the Insurer.
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What other terms should you know about?
1. All amounts are shown in Canadian dollars. If you have paid a covered expense, you will
be reimbursed in Canadian currency at the prevailing rate of exchange quoted by Royal
Bank on the date the last service was rendered to you. This insurance will not pay for any
interest or any fluctuations in the exchange rate.
2. Any amount payable to a minor will be paid to the minor’s legal ward.
3. If your body has not been found within one (1) year of the disappearance, sinking, or
wrecking of the common carrier in which you were riding at the time of the accident, it
will be presumed that you have suffered loss of life resulting from a bodily injury caused
by an accident at the time of such disappearance, sinking or wrecking.
4. If you incur losses covered under this Certificate of Insurance due to the fault of a third
party, the Insurer may take action against the third party. You agree to cooperate fully
with the Insurer or its agents and to allow the Insurer or its agents, at its/their own
expense, to bring a lawsuit in your name against a third party. Where a third party is
involved, an accident report is required before any claim payments can be made.
5. This Certificate of Insurance is the entire contract between you and the Insurer and is
subject to the statutory conditions of the Insurance Companies Act of Canada and any
governing provincial statutes concerning contracts of accident insurance.
6. The Insurer may, at its discretion, void this Certificate of Insurance in the case of fraud
or attempted fraud by you, or if you conceal or misrepresent any material fact or
circumstance concerning this insurance contract.
7. On reasonable notice you or a claimant under the contract will be provided with a copy
of the group contract.
8. Every action or proceeding against an insurer for the recovery of insurance money
payable under the contract is absolutely barred unless commenced within the time set
out in the Insurance Act (for actions or proceedings governed by the laws of Alberta and
British Columbia), The Insurance Act (for actions or proceedings governed by the laws
of Manitoba), the Limitations Act, 2002 (for actions or proceedings governed by the laws
of Ontario), or in other applicable legislation in your province of residence. For those
actions or proceedings governed by the laws of Quebec, the prescriptive period is set out
in the Quebec Civil Code.
This Certificate of Insurance replaces any prior Certificate of Insurance that may have been
provided to you in connection with this coverage.
Introduction
Aviva General Insurance Company (referred to in this Certificate as the “Insurer”) has
issued group insurance policy F-2000375-A to Royal Bank of Canada (“Royal Bank”) to cover
expenses related to Auto Rental Collision/Loss or Damage. All covered persons are clients
of the Insurer.
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drivers have adequate third party liability, personal injury and damage to property
coverage.
n This insurance is effective when the full cost of your rental vehicle issued by a rental
agency is paid with your RBC Avion Visa Infinite card and/or RBC Rewards® points. If only
a partial payment is made using RBC Rewards points, the entire balance of that rental
vehicle must be paid using your RBC Avion Visa Infinite card in order to be covered.
n The length of time you rent the same vehicle must not exceed forty-eight (48) consecutive
days, which shall follow one immediately after the other. In order to break the consecutive
day cycle, a full calendar date must exist between rental periods. Coverage may not be
extended for more than forty-eight (48) consecutive days by renewing or taking out a new
rental agreement with the same or another rental agency for the same vehicle or another
vehicle.
n If the covered person does not decline the rental agency’s CDW option or its equivalent,
this Certificate of Insurance is secondary coverage and will cover the deductible amount
in the event of a claim.
n Most vehicles are covered by this Certificate of Insurance, but there are some exclusions.
(A list of vehicles excluded from this coverage is outlined in the section “What is not
covered?”).
n Coverage is available except where prohibited by law.
n Check the rental vehicle carefully for scratches or dents before and after you drive the
vehicle. Be sure to point out where the scratches or dents are located to a rental agency
representative.
n If
the vehicle has sustained damage of any kind, call 1-800-533-2778 (in Canada or the
United States) or (905) 816-2581 (collect) immediately.
n Do not sign a blank sales draft to cover the damage and loss of use charges or a sales
draft with an estimated cost of repair and loss of use charges. The rental agent may
make a claim on your behalf to recover repair and loss of use charges by following the
procedures outlined in the section “What should you do if you have a claim?”
n Claims must be reported within forty-eight (48) hours of the loss/damage occurring by
calling 1-800-533-2778 (when in Canada or the United States) or (905) 816-2581 (collect).
n
It is important that you read and understand your Certificate of Insurance as your
coverage is subject to certain limitations or exclusions.
Definitions
Throughout this document, all italicized terms have the specific meaning explained below.
Additional cardholder means a co-applicant or an authorized user.
Applicant means a person who has signed and/or submitted an application as the primary
cardholder for an RBC Avion Visa Infinite card, to whom a card has been issued and in
whose name the card account is established. An applicant does not include an additional
cardholder. An applicant must be a permanent resident of Canada.
Authorized user means a person, other than the applicant and the co-applicant, to whom
an RBC Avion Visa Infinite card has been issued at the request of the applicant or the co-
applicant. An authorized user must be a permanent resident of Canada.
Car sharing means a car rental club that gives its members twenty-four (24)-hour access to
a fleet of cars parked in a convenient location.
Co-applicant means a person who has signed and/or submitted an application for an RBC
Avion Visa Infinite card as the co-applicant, and to whom a card has been issued. A co-
applicant must be a permanent resident of Canada.
Covered person means:
1. The applicant or additional cardholder, who presents in person at the rental agency,
signs the rental contract and takes possession of the rental vehicle. A covered person
may be referred to as “you” or “your” or “yourself”.
2. Any other person who drives the same rental vehicle with your permission whether or
not such person has been listed on the rental vehicle contract or has been identified
17
to the rental agency at the time of making the rental. However, you and all drivers must
otherwise qualify under and follow the terms of the rental contract and must be legally
licensed and permitted to drive the rental vehicle under the laws of the jurisdiction in
which the rental vehicle shall be used.
Loss of use means the amount paid to a rental agency to compensate it when a rental
vehicle is unavailable for rental while undergoing repairs for damage incurred during the
rental period.
Mini-van means a van made by an automobile manufacturer and classified by the
manufacturer or a government authority as a mini-van made to transport a maximum of
eight (8) people including the driver and which are used exclusively for the transportation of
passengers and their luggage.
Permanent resident means a person who resides in Canada for at least six (6) months
of the year. However, individuals otherwise eligible for coverage who are members of the
Canadian Foreign Service need not satisfy this requirement.
Rental agency (or rental agencies) means a vehicle rental agency licensed to rent vehicles
and which provides a rental agreement. For greater certainty, throughout this Certificate of
Insurance, the terms ‘rental company’ and ‘rental agency’ refer to both traditional vehicle
rental agencies and car sharing programs.
Rental agency’s CDW means an optional Collision Damage Waiver (“CDW”) or similar
waiver offered by rental companies and rental agencies that relieves renters of financial
responsibility if the vehicle is damaged or stolen while under rental contract. The rental
agency’s CDW is not insurance.
Tax-free car means a tax-free car package that provides tourists with a short-term
(seventeen (17) days to six (6) months) tax-free vehicle lease agreement with a guaranteed
buyback. The Insurer will not provide coverage for tax-free cars.
20
–
your RBC Visa statement and/or receipt showing that the rental was paid in full with
your RBC Avion Visa Infinite card and/or RBC Rewards points;
– a copy of your invoice showing all prepaid expenses (prepaid rental car payment);
– a copy of your receipt showing amount of RBC Rewards points redeemed;
– a copy of your previous rental agreements resulting in a free rental;
– the original copy of both sides of the vehicle rental agreement;
– the accident or damage report, including photographs of the damage;
– the itemized repair bill, or if not available, a copy of the estimate;
– receipt for paid repairs;
– the police report, when available;
– a copy of your billing or pre-billing statement if any repair charges were billed to your
account; and
– a copy of your paid statement or billing indicating the deductible amount (if you have
purchased the rental agency’s CDW or similar coverage).
Forward this documentation to:
Aviva General Insurance Company
Attention: RBC Visa Claims
PO Box 6, Station A
Mississauga, ON L5A 2Y9
Under normal circumstances, the claim will be reviewed within fifteen (15) days after the
claims administrator has received all necessary documentation. If the claim cannot be
assessed on the basis of the information that has been provided, it may be closed.
After the Insurer has paid your claim, your rights and recoveries will be transferred to the
Insurer to the extent of the Insurer’s payment for the loss/damage incurred when the rental
vehicle was under your responsibility. This means the Insurer will then be entitled, at its own
expense, to sue another party in your name. If the Insurer chooses to sue another party in
your name, you must give the Insurer all the assistance the Insurer may reasonably require
to secure its rights and remedies. This may include providing your signature on all necessary
documents that enable the Insurer to sue in your name.
Once you report loss or damage, a claim file will be opened and will remain open for six
(6) months from the date of the loss, or damage. Payment will only be made on a claim or
any part of a claim that is completely substantiated as required by the claims administrator
within six (6) months of the date of loss/damage.
You should use due diligence and do all things necessary to avoid or reduce any loss or
damage to property protected by this Auto Rental Collision/Loss Damage Insurance.
21
5. The Insurer may, at its discretion, void this insurance contract in the case of fraud
or attempted fraud by you, or if you conceal or misrepresent any material fact or
circumstance concerning this insurance contract.
6. On reasonable notice you or a claimant under the contract will be provided with a copy
of the group contract.
7. Every action or proceeding against an insurer for the recovery of insurance money
payable under the contract is absolutely barred unless commenced within the time set
out in the Insurance Act (for actions or proceedings governed by the laws of Alberta and
British Columbia), The Insurance Act (for actions or proceedings governed by the laws
of Manitoba), the Limitations Act, 2002 (for actions or proceedings governed by the laws
of Ontario), or in other applicable legislation in your province of residence. For those
actions or proceedings governed by the laws of Quebec, the prescriptive period is set out
in the Quebec Civil Code.
Introduction
RBC Insurance Company of Canada (the “Insurer”) has issued group insurance policy
U-1014452-A to Royal Bank of Canada (“Royal Bank”) to cover expenses related to Trip
Cancellation and group insurance policy U 1014453-A to Royal Bank of Canada (“Royal Bank”)
to cover expenses related to Trip Interruption. All covered persons are clients of the Insurer.
This Certificate of Insurance summarizes the provisions of this group insurance policy.
Definitions
Throughout this document, all italicized terms have the specific meaning explained below.
Additional cardholder means a co-applicant or an authorized user.
Applicant means a person who has signed and/or submitted an application as the primary
cardholder for an RBC Avion Visa Infinite card, to whom a card has been issued and in
whose name the card account is established. An applicant does not include an additional
cardholder. An applicant must be a permanent resident of Canada.
Authorized user means a person, other than the applicant and the co-applicant, to whom
an RBC Avion Visa Infinite card has been issued at the request of the applicant or the co-
applicant. An authorized user must be a permanent resident of Canada.
Cancellation penalties means the amount forfeited under the terms and conditions of
the applicable travel arrangements when your trip is cancelled, and for which there will be
no form of compensation. The travel arrangements must be paid with your RBC Avion Visa
Infinite card and/or equivalent RBC Rewards® points.
Change in medication means the addition of any new prescription drug, the withdrawal of
any prescription drug, an increase in the dose of any prescription drug, or a decrease in the
dose of any prescription drug.
Exceptions:
n an adjustment in the dosage of insulin or Coumadin (warfarin), if you are currently taking
these drugs;
n a change from a brand name drug to an equivalent generic drug of the same dosage.
Co-applicant means a person who has signed and/or submitted an application for an RBC
Avion Visa Infinite card as the co-applicant, and to whom a card has been issued. A co-
applicant must be a permanent resident of Canada.
Common carrier means any land, air or water conveyance for regular passenger service,
which is licensed to transport passengers for compensation or hire.
Covered person means the applicant, the applicant’s spouse, or the applicant’s dependent
child who travels with or joins the applicant or the applicant’s spouse on the same trip.
Note: Dependent children 16 – 25 years of age are eligible for this insurance when travelling
without the applicant or the applicant’s spouse. An additional cardholder is a covered
person in his/her own right. A covered person may be referred to as “you” or “your” or
“yourself”. The spouse and/or dependent child of an additional cardholder are not eligible
for this insurance.
Departure date means the date of your departure from your departure point.
Departure point means the province or territory you depart from on the first day of your
intended trip.
23
Dependent child means an unmarried, natural, adopted, step or foster child, or legal ward
of the applicant, who is:
n under twenty-one (21) years of age, or
n under twenty-six (26) years of age if a full-time student, or
n mentally or physically handicapped and incapable of self-sustaining employment and
totally reliant on you for support and maintenance.
Effective date means the date and time of purchase of prepaid travel, accommodations
and recreation arrangements and before any cancellation penalties have been incurred,
provided you pay the entire cost with your RBC Avion Visa Infinite and/or RBC Rewards
points.
Emergency means any unexpected or unforeseen sickness or bodily injury that occurs
during the period of coverage and makes it necessary for you to receive immediate
treatment from a physician or to be hospitalized.
Family means your spouse, parent, step-parent, grandparent, grandchild, in-law, natural
or adopted child, step-child, brother, sister, step-brother, step-sister, legal guardian, or legal
ward.
Hospital means an establishment that is licensed as an accredited hospital, is operated
for the care and treatment of in-patients, has a registered nurse always on duty, and has
a laboratory and an operating room on the premises or in facilities controlled by the
establishment. Hospital does not mean any establishment used mainly as a clinic, extended
or palliative care facility, rehabilitation facility, convalescent, rest or nursing home, home for
the aged, health spa or addiction treatment centre.
Key employee means an employee whose continued presence is critical to the ongoing
affairs of the business during your absence.
Medical condition means accidental bodily injury or sickness (or a condition related to that
accidental bodily injury or sickness), including disease, acute psychoses and complications
of pregnancy occurring within the first thirty-one (31) weeks of pregnancy.
Mental or emotional disorders means emotional or anxiety states, situational crisis,
anxiety or panic attacks, or other mental health disorders treated with minor tranquilizers
or anti-anxiety (anxiolytics) medication.
Mountain climbing means the ascent or descent of a mountain requiring the use of
specialized equipment, including crampons, pick-axes, anchors, bolts, carabiners and lead-
rope or top-rope anchoring equipment.
Permanent resident means a person who resides in Canada for at least six (6) months
of the year. However, individuals otherwise eligible for coverage who are members of the
Canadian Foreign Service need not satisfy this requirement.
Physician means someone who is not you or a member of your family who is licensed to
prescribe drugs and administer medical treatment (within the scope of such license) at
the location where the treatment is provided. A physician does not include a naturopath,
herbalist, homeopath or chiropractor.
Prescription drug means drugs and medicines that can only be issued upon the prescription
of a physician or dentist and are dispensed by a licensed pharmacist.
Return date means the date and time on which you are scheduled to return to your
departure point.
Spouse means the person who is legally married to you, or has been living in a conjugal
relationship with you and residing in the same household as you for a continuous period of
at least one (1) year.
Stable means any medical condition or related condition (including any heart condition or
any lung condition) for which there has been:
n no new treatment, new medical management or new prescribed medication; and
n no change in treatment, change in medical management or change in medication; and
n no new symptom or finding, more frequent symptom or finding or more severe symptom
or finding experienced; and
24
n no new test results or tests showing a deterioration; and
n no investigations or future investigations initiated, or recommended for your symptoms;
and
n no hospitalization or referral to a specialist (made or recommended).
Travelling companion means the person who is sharing travel arrangements with you, to a
maximum of three (3) persons.
Trip means the period of time from your departure date up to and including your scheduled
return date, as shown on your travel documents.
25
2 The emergency medical condition or death of Benefit A B&C
your travelling companion. or B & D
3 The emergency medical condition or death of Benefit A B&C
your spouse or your dependent child.
4 The emergency medical condition or death of a Benefit A B&C
member of your or your travelling companion's
family.
5 Hospitalization or the death of your host at Benefit A B&C
destination, your legal business partner or key
employee.
Other covered reasons
6 A formal travel advisory issued by the Benefit A B&C
Department of Foreign Affairs and International
Trade of the Canadian government after the
purchase of your trip, advising Canadians not
to travel to a country, region or city originally
ticketed for a period that includes your trip.
7 A transfer by the employer with whom you or Benefit A n/a
your spouse is employed on your effective date,
which requires the relocation of your principal
residence.
8 Delay of your common carrier, resulting from Benefit D Benefit D
the mechanical failure of that carrier, a traffic
accident or an emergency police-directed
road closure (either must be substantiated
by a police report), or weather conditions,
causing you to miss a connection or resulting
in the interruption of your trip. The outright
cancellation of a flight is not considered a
delay.
9 A natural disaster that renders your principal Benefit A B&C
residence uninhabitable.
10
Your quarantine or hijacking. Benefit A B&C
11
You being called for jury duty; being Benefit A n/a
subpoenaed as a witness; or being required
to appear as a party in a judicial proceeding,
during your trip.
12
You or your travelling companion being Benefit A B&C
summoned to service in the case of reservists,
active military, police, essential medical
personnel and fire personnel.
13 The legal adoption of a child by you or your Benefit A B&C
travelling companion, when the actual date of
that adoption is scheduled to take place after
your effective date and prior to or during your
trip.
D.
Your one-way economy airfare via the most cost-effective route to your next destination
(inbound and outbound).
♦
eturn of a travelling companion – Should a decision be made by the Insurer to transport
R
you to a treatment facility in your province or territory of residence, the Insurer will pay the
cost of economy-class transportation for one (1) travelling companion to his/her departure
point, provided that he/she is unable to make use of the original ticket as a result of the
delay caused by your emergency medical condition or death.
27
6. Any medical condition if you undertake your trip with the prior knowledge that you will
require or seek treatment, surgery, investigations, palliative care or alternative therapy
of any kind, regardless of whether the treatment, surgery, investigations, palliative care
or alternative therapy is related in any way to the medical condition.
7. The following:
n routine pre-natal care, or
n complications of pregnancy occurring within nine (9) weeks before or after the
expected date of delivery, or
n complications of childbirth occurring within nine (9) weeks before or after the
expected date of delivery.
8. Any child born during the trip.
9.
Your participation as a professional in sports, participation as a professional in
underwater activities, scuba diving as an amateur unless you hold a basic scuba
designation from a certified school or other licensing body, participation in a motorized
race or motorized speed contest, bungee jumping, parachuting, rock climbing, mountain
climbing, hang-gliding or skydiving.
10. Your committing or attempting to commit a criminal offence.
11.
Your intentional self-inflicted injury, suicide or attempted suicide (whether sane or
insane).
12. Your mental or emotional disorders.
13. Any medical condition arising from, or in any way related to, your chronic use of alcohol
or drugs whether prior to or during your trip.
14. Any medical condition arising from, or in any way related to, the abuse of alcohol during
your trip.
15. Any medical condition arising from, or in any way related to, the voluntary use, during
your trip, of illegal drugs or prescription drugs not prescribed to you.
16.
Your abuse of medication or deliberate non-compliance with prescribed medical
therapy or treatment whether prior to or during your trip.
17. Act of foreign enemies or rebellion, voluntarily and knowingly exposing yourself to risk
from an act of war (declared or not) or voluntarily participating in a riot or civil disorder.
18. Ionizing radiation or radioactive contamination from any nuclear fuel or waste which
results from the burning of nuclear fuels; or, the radioactive, toxic, explosive or other
dangerous properties of nuclear machinery or any part of it.
28
n Receipts for the prepaid land arrangements,
n Original passenger receipts for new tickets,
n Reports from police, common carrier or local authorities documenting the cause of the
missed connection, and
n Detailed invoices and/or receipts from the service provider(s).
Submission of claims must be made to the Claims Centre:
RBC Insurance Company of Canada
Claims Centre
PO Box 97, Station A
Mississauga, ON L5A 2Y9
1-800-464-3211
You must submit the information required for your claim within ninety (90) days of the date
of the cause of the cancellation or interruption. If it is not reasonably possible to provide
such information within ninety (90) days, you must do so within one (1) year or your claim
will not be reviewed.
The Claims Centre will notify you of the decision on your claim within sixty (60) days of
receiving all of the required information.
29
8.
You may only commence a legal action in the province or territory where the Certificate
of Insurance was issued. You or your heirs assign consent to the transfer of any legal
action to the province or territory where the Certificate of Insurance was issued.
9. This policy contains a provision removing or restricting the right of the group person
insured to designate persons to whom or for whose benefit insurance money is to be
payable.
10. On reasonable notice you or a claimant under the contract will be provided with a copy
of the group contract.
11. Every action or proceeding against an insurer for the recovery of insurance money
payable under the contract is absolutely barred unless commenced within the time set
out in the Insurance Act (for actions or proceedings governed by the laws of Alberta and
British Columbia), The Insurance Act (for actions or proceedings governed by the laws
of Manitoba), the Limitations Act, 2002 (for actions or proceedings governed by the laws
of Ontario), or in other applicable legislation in your province of residence. For those
actions or proceedings governed by the laws of Quebec, the prescriptive period is set out
in the Quebec Civil Code.
Introduction
RBC Insurance Company of Canada (the “Insurer”) has issued group insurance policy
U-1014455-A to Royal Bank of Canada (“Royal Bank”) to cover expenses incurred by covered
persons relating to a Missed Connection, Delayed Flight Departure or Denied Boarding (as
further described below). Aviva General Insurance Company (the “Insurer”) in Quebec and
RBC Insurance Company of Canada (the “Insurer”) in the rest of Canada have issued group
insurance policy U-1014456-A to Royal Bank of Canada (“Royal Bank”) to cover expenses
incurred by covered persons relating to emergency purchases due to lost or stolen luggage
that has been checked with an air carrier. All covered persons are clients of the Insurer. This
Certificate of Insurance summarizes the provisions of this group insurance policy.
30
Definitions
Throughout this document, all italicized terms have the specific meaning explained below.
Additional cardholder means a co-applicant or an authorized user.
Air carrier means a commercial air service licensed by the airline authority of the country
of registration.
Applicant means a person who has signed and/or submitted an application as the primary
cardholder for an RBC Avion Visa Infinite card, to whom a card has been issued, and in
whose name the card account is established. An applicant does not include an additional
cardholder. An applicant must be a permanent resident of Canada.
Authorized user means a person, other than the applicant and the co-applicant, to whom
an RBC Avion Visa Infinite card has been issued at the request of the applicant or the co-
applicant. An authorized user must be a permanent resident of Canada.
Covered person means the applicant, the applicant’s spouse, or the applicant’s dependent
child who travels with or joins the applicant or the applicant’s spouse on the same trip.
An additional cardholder is a covered person in his/her own right. A covered person may
be referred to as “you” or “your” or “yourself”. The spouse and/or dependent child of an
additional cardholder are not eligible for this insurance.
Co-applicant means a person who has signed and/or submitted an application for an RBC
Avion Visa Infinite card as the co-applicant and to whom a card has been issued. A co-
applicant must be a permanent resident of Canada.
Dependent child means an unmarried, natural, adopted, step or foster child, or legal ward
of the applicant who is:
n under twenty-one (21) years of age, or
n under twenty-six (26) years of age if a full-time student, or
n mentally or physically handicapped and incapable of self-sustaining employment and
totally reliant on you for support and maintenance.
Emergency purchases means the minimum essential clothing and toiletries, the purchase
of which is rendered absolutely necessary and indispensable due to the loss or delay of your
checked luggage.
Permanent resident means a person who resides in Canada for at least six (6) months
of the year. However, individuals otherwise eligible for coverage who are members of the
Canadian Foreign Service need not satisfy this requirement.
Spouse means the person who is legally married to you or has been living in a conjugal
relationship with you and residing in the same household as you for a continuous period of
at least one (1) year.
31
3. The date that you arrive at the final destination on the return portion of your trip;
4. The date your RBC Avion Visa Infinite account is cancelled;
5. The date your RBC Avion Visa Infinite account is sixty (60) days past due. However
coverage is automatically reinstated when account is returned to good standing;
6. The date the group insurance policies are cancelled by the Insurer or Royal Bank.
However, such cancellation of coverage shall not apply to travel arrangements charged
to your RBC Avion Visa Infinite card prior to the cancellation date of the group insurance
policies;
7. The date Royal Bank receives written notice from you that you choose to cancel your RBC
Avion Visa Infinite card.
32
6. The date Royal Bank receives written notice from you that you choose to cancel your RBC
Avion Visa Infinite card.
33
Submission of claims from all provinces must be made to the Claims Centre:
RBC Insurance Company Of Canada
Claims Centre
PO Box 97, Station A
Mississauga, ON L5A 2Y9
1-800-464-3211
You must submit the information required for your claim within ninety (90) days of the date of
the loss. If it is not reasonably possible to provide such information within ninety (90) days,
you must do so within one (1) year of the date of the loss or your claim will not be reviewed.
Introduction
Aviva General Insurance Company (the “Insurer”) in Quebec and RBC Insurance Company
of Canada (the “Insurer”) in the rest of Canada have issued group insurance policy
U-1014454-A to Royal Bank of Canada (“Royal Bank”) to cover expenses incurred by covered
34
persons relating to a hotel/motel burglary. All covered persons are clients of the Insurer. This
Certificate of Insurance summarizes the provisions of this group insurance policy.
Definitions
Throughout this document, all italicized terms have the specific meaning explained below.
Additional cardholder means a co-applicant or an authorized user.
Applicant means a person who has signed and/or submitted an application as the primary
cardholder for an RBC Avion Visa Infinite card, to whom a card has been issued, and in
whose name the card account is established. An applicant does not include an additional
cardholder. An applicant must be a permanent resident of Canada.
Authorized user means a person, other than the applicant and the co-applicant, to whom
an RBC Avion Visa Infinite card has been issued at the request of the applicant or the co-
applicant. An authorized user must be a permanent resident of Canada.
Burglary means the loss of or damage to your personal property as a result of wrongful
entry into your hotel room, motel room, or cruise cabin for which there are visible signs of
force made by tools, explosives, electricity or chemicals.
Co-applicant means a person who has signed and/or submitted an application for an RBC
Avion Visa Infinite card as the co-applicant, and to whom a card has been issued. A co-
applicant must be a permanent resident of Canada.
Covered person means the applicant, the applicant’s spouse, or the applicant’s dependent
child who travels with or joins the applicant or the applicant’s spouse on the same trip.
An additional cardholder is a covered person in his/her own right. A covered person may
be referred to as “you” or “your” or “yourself”. The spouse and/or dependent child of an
additional cardholder are not eligible for this insurance.
Dependent child means an unmarried, natural, adopted, step, or foster child, or legal ward
of the applicant, who is:
n under twenty-one (21) years of age, or
n under twenty-six (26) years of age if a full-time student, or
n mentally or physically handicapped and incapable of self-sustaining employment and
totally reliant on you for support and maintenance.
Permanent resident means a person who resides in Canada for at least six (6) months
of the year. However, individuals otherwise eligible for coverage who are members of the
Canadian Foreign Service need not satisfy this requirement.
Spouse means the person who is legally married to you or has been living in a conjugal
relationship with you and residing in the same household as you for a continuous period of
at least one (1) year.
35
When does coverage begin and end?
Coverage begins at the actual time you check into your hotel room, motel room, or cruise
cabin, provided that your hotel room, motel room, or cruise cabin is paid with your RBC Avion
Visa Infinite card and/or RBC Rewards points. If only a partial payment is made using RBC
Rewards points, the entire balance of that hotel room, motel room, or cruise cabin must be
paid using your RBC Avion Visa Infinite card in order to be covered.
Coverage ends, individually for the applicant and each additional cardholder, on the earliest
of:
1. The time you check out from your hotel room, motel room, or cruise cabin; or
2. The date your RBC Avion Visa Infinite account is cancelled; or
3. The date your RBC Avion Visa Infinite account is sixty (60) days past due. However
coverage is automatically reinstated when account is returned to good standing; or
4. The date the group insurance policy is cancelled by the Insurer or Royal Bank. However,
such cancellation of coverage shall not apply to a burglary occurring prior to the
cancellation date of the group insurance policy; or
5. The date Royal Bank receives written notice from you that you choose to cancel your RBC
Avion Visa Infinite card.
36
For your claim to be reviewed, you must submit the following original documentation:
n Charge slip for the hotel room, motel room or cruise cabin;
n
Your RBC Visa statement and/or receipt showing that the hotel room, motel room or
cruise cabin was paid in full using your card and/or RBC Rewards points;
n A police report that confirms the burglary;
n The hotel, motel or cruise company’s burglary report; and
n Receipts for the repair or replacement of your personal property.
Submission of claims from all provinces must be made to the Claims Centre:
RBC Insurance Company of Canada
Claims Centre
PO Box 97, Station A
Mississauga, ON L5A 2Y9
1-800-464-3211
You must submit the information required for your claim within ninety (90) days of the date
of the burglary. If it is not reasonably possible to provide such information within ninety
(90) days, you must do so within one (1) year of the date of the burglary or your claim will
not be reviewed.
37
Purchase Security & Extended Warranty
Certificate of Insurance
Introduction
Aviva General Insurance Company (the “Insurer”) in Quebec and RBC Insurance Company of
Canada (the “Insurer”) in the rest of Canada have issued group insurance policy U-1014457-A
to Royal Bank of Canada (“Royal Bank”) to cover expenses incurred by covered persons
relating to Purchase Security & Extended Warranty. All covered persons are clients of the
Insurer. This Certificate of Insurance summarizes the provisions of this group insurance
policy.
Definitions
Throughout this document, all italicized terms have the specific meaning explained below.
Additional cardholder means a co-applicant or an authorized user.
Applicant means a person who has signed and/or submitted an application as the primary
cardholder for an RBC Avion Visa Infinite card, to whom a card has been issued and in
whose name the card account is established. An applicant does not include an additional
cardholder. An applicant must be a permanent resident of Canada.
Authorized user means a person, other than the applicant and the co-applicant, to whom
an RBC Avion Visa Infinite card has been issued at the request of the applicant or the co-
applicant. An authorized user must be a permanent resident of Canada.
Co-applicant means a person who has signed and/or submitted an application for an RBC
Avion Visa Infinite card as the co-applicant and to whom a card has been issued. A co-
applicant must be a permanent resident of Canada.
Covered person means the applicant or additional cardholder. A covered person may be
referred to as “you” or “your” or “yourself”. The family members of an applicant or additional
cardholder are not eligible for this insurance.
Family member means your spouse, parent, step-parent, grandparent, grandchild, in-law,
natural or adopted child, step-child, brother, sister, step-brother step-sister, legal guardian,
or legal ward.
38
Gift means tangible moveable property for the personal use of your family member.
Mysterious disappearance means the disappearance of personal property or a gift in an
unexplained manner.
Permanent resident means a person who resides in Canada for at least six (6) months
of the year. However, individuals otherwise eligible for coverage who are members of the
Canadian Foreign Service need not satisfy this requirement.
Personal property means tangible, moveable property for your personal use.
Spouse means the person who is legally married to you, or has been living in a conjugal
relationship with you and residing in the same household as you for a continuous period of
at least one (1) year.
40
Note: A legal guardian must complete the claim process on behalf of a covered person under
the age of eighteen (18) in Quebec or under the age of sixteen (16) in the rest of Canada.
For your claim to be reviewed, you must submit the following original documentation:
n The Insurer’s claim form containing the time, place, cause and amount of the loss or
damage;
n A copy of the original merchant’s sales receipt;
n
Your RBC Visa statement and/or receipt showing that the personal property or gift was
paid in full using your RBC Avion Visa Infinite card and/or RBC Rewards points;
n The original manufacturer’s warranty (for Extended Warranty Insurance claims only).
Depending on the nature of the claim, the Insurer will require you to obtain, at the time of
the loss or damage, a police, fire, homeowner insurance claim or damage/loss report or any
other report of the damage/loss sufficient to determine eligibility for benefits under this
insurance.
When an insured item forms part of a pair or set, the Insurer will reimburse the full purchase
price of the pair or set provided that the items are unusable individually and cannot be
replaced individually.
Under Extended Warranty Insurance, prior to proceeding with any repair services, you must
notify the Insurer and obtain approval of the repair services and the repair facility from the
Insurer.
For both Purchase Security and Extended Warranty Insurance, at the sole discretion of the
Insurer, you may be required to send, at your expense, the damaged item on which a claim is
based, to an address designated by the Insurers.
Submission of claims from all provinces must be made to the Claims Centre:
RBC Insurance Company of Canada
Claims Centre
PO Box 97, Station A
Mississauga, ON L5A 2Y9
1-800-533-2778
You must submit the information required for your claim within ninety (90) days of the date of
the loss or damage. If it is not reasonably possible to provide such information within ninety
(90) days, you must do so within one (1) year of the date of the loss or damage or your claim
will not be reviewed.
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6. You must repay the Insurer any amount paid or authorized by the Insurer on your behalf if
and when the Insurer determines that the amount is not payable under the terms of this
insurance.
7. The Insurer will not be liable for more than the purchase price of the insured item(s)
as recorded on the RBC Avion Visa Infinite sales draft. If you have purchased and
paid for personal property and/or gifts using RBC Rewards points, the Insurer will not
be liable for more than the amount of RBC Rewards points you redeemed to pay for
your purchase. The Insurer has the sole option to replace or repair the insured item or
reimburse you.
8. A limit of $10,000 per item applies to jewellery, gems, watches and furs or garments
trimmed with fur, if these items are considered payable under the terms and conditions
of this Certificate of Insurance.
9. This protection shall only benefit you. No other person or entity shall have any right,
remedy or claim, legal or equitable, to the benefits. You shall not assign these benefits
without prior written approval of the Insurer. The Insurer will permit you to transfer
benefits on gifts as provided in this plan description and the Certificate of Insurance.
10. On reasonable notice you or a claimant under the contract will be provided with a copy
of the group contract.
11. Every action or proceeding against an insurer for the recovery of insurance money
payable under the contract is absolutely barred unless commenced within the time set
out in the Insurance Act (for actions or proceedings governed by the laws of Alberta and
British Columbia), The Insurance Act (for actions or proceedings governed by the laws
of Manitoba), the Limitations Act, 2002 (for actions or proceedings governed by the laws
of Ontario), or in other applicable legislation in your province of residence. For those
actions or proceedings governed by the laws of Quebec, the prescriptive period is set
out in the Quebec Civil Code.
Introduction
RBC Insurance Company of Canada (“Insurer” or “RBC Insurance”) in all provinces
and territories, with the exception of Quebec, and Aviva General Insurance Company
(“Insurer”) in Quebec have issued group insurance policy F-1999989-A to Royal
Bank of Canada (“Royal Bank”) to cover expenses incurred by covered persons relating
to mobile devices. All covered persons are clients of RBC Insurance. This Certificate of
Insurance details the provisions of this group insurance policy.
Definitions
Throughout this document, all italicized terms have the specific meaning explained below.
Accidental damage means damage caused by an unexpected and unintentional external
event, such as drops, cracks and spills that occur during normal use of the mobile device.
Additional cardholder means a co-applicant or an authorized user.
Applicant means a person who has signed and/or submitted an application as the primary
cardholder for an RBC Avion Visa Infinite card, to whom a card has been issued and in
whose name the card account is established. An applicant does not include an additional
cardholder. An applicant must be a permanent resident of Canada.
Authorized user means a person, other than the applicant and the co-applicant, to whom
an RBC Avion Visa Infinite card has been issued at the request of the applicant or the co-
applicant. An authorized user must be a permanent resident of Canada.
Co-applicant means a person who has signed and/or submitted an application for an RBC
Avion Visa Infinite card as the co-applicant and to whom a card has been issued. A co-
applicant must be a permanent resident of Canada.
Covered person means the applicant or additional cardholder. A covered person may be
referred to as “you” or “your” or “yourself”.
Mobile device means a new cellular phone, smartphone or tablet (portable single-panel
touchscreen computer) which has internet and/or wireless communication capabilities, and
which has been purchased for personal use.
Permanent resident means a person who resides in Canada for at least six (6) months of the
year. However, individuals otherwise eligible for coverage who are members of the Canadian
Foreign Service need not satisfy this requirement.
Plan means a fixed-term contract offered by a wireless service provider.
Provider means a Canadian wireless service provider.
Purchase Price means the full cost of the mobile device including any applicable taxes less
any costs or fees associated with the mobile device purchased such as insurance premium,
customs duty, delivery and transportation costs or similar costs or fees.
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Coverage ends individually for the applicant and each additional cardholder on the earliest of:
1. Two (2) years from the date of purchase of your mobile device;
2. The date one monthly wireless bill payment was not charged to your RBC Avion Visa
Infinite card, if you are funding the cost of your mobile device through a plan;
3. The date your RBC Avion Visa Infinite account is sixty (60) days past due. However
coverage is automatically reinstated when account is returned to good standing;
4. The date your RBC Avion Visa Infinite account is cancelled; or
5. The date the group insurance policy is cancelled by the Insurer or Royal Bank. However,
such cancellation of coverage shall not apply to a mobile device charged to your RBC
Avion Visa Infinite card prior to the cancellation date of the group insurance policy.
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Payment of benefits
On approval of your claim by the Insurer, you can proceed with the repair or replacement
of your mobile device. Benefits payable under this coverage will be paid upon receipt of
evidence that the repair or replacement cost has been charged to your RBC Avion Visa
Infinite card.
General exclusions
The Insurer will not pay for any of the following:
1. Intentional loss and/or damage to your mobile device, and/or fraudulent acts by you or
your family members.
2.
Mobile devices that are damaged due to misuse or lack of care, any normal wear and
tear, gradual deterioration, latent defect or inherent vice, or improper installation.
3.
Mobile devices lost or damaged during a natural disaster, including flood or earthquake.
4. Power surges, artificially generated electrical currents, or electrical irregularities.
5. Cosmetic damage that does not affect functionality.
6. Delay, loss of use, or incidental and consequential damages including bodily injury, loss
of use, property, punitive and exemplary damages and legal fees.
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For your claim to be reviewed, you must submit the following original documentation:
n The Insurer’s claim form containing the time, place, cause, and amount of the loss
or damage;
n A copy of the written repair estimate (for mechanical failure and accidental damage
claims);
n A police, fire, insurance claim or loss report or other report of the occurrence of the loss
sufficient for the determination of eligibility for the benefits of this policy;
n A copy of the original merchant’s sales receipt for the mobile device;
n If you charged the full purchase price of the mobile device on your RBC Avion Visa
Infinite card, the statement and/or receipt showing that the mobile device was paid in
full with your RBC Avion Visa Infinite card and/or RBC Rewards points;
n If your mobile device was funded through a plan, proof of uninterrupted monthly
wireless bill payments made to your RBC Avion Visa Infinite card for up to 12 months
immediately preceding the date of loss;
n The date and time you notified your provider of the loss or theft; and
For mechanical failure and accidental damage claims, you must obtain a written estimate
of the cost to repair your mobile device by a repair facility authorized by the original mobile
device manufacturer. At the sole discretion of the Insurer, you may be required to send, at
your expense, the damaged item on which a claim is based to an address designated by
the Insurers.
Submission of claims from all provinces must be made to the Claims Centre:
1-800-533-2778
You must submit the information required for your claim within ninety (90) days of the date
of the loss or damage. If it is not reasonably possible to provide such information within
ninety (90) days, you must do so within one (1) year of the date of the loss or damage or your
claim will not be reviewed.
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6. On reasonable notice you or a claimant under the contract will be provided with a copy
of the group contract.
7. Every action or proceeding against an insurer for the recovery of insurance money
payable under the contract is absolutely barred unless commenced within the time set
out in the Insurance Act (for actions or proceedings governed by the laws of Alberta
and British Columbia), The Insurance Act (for actions or proceedings governed by the
laws of Manitoba), the Limitations Act, 2002 (for actions or proceedings governed by
the laws of Ontario), or in other applicable legislation in your province of residence. For
those actions or proceedings governed by the laws of Quebec, the prescriptive period is
set out in the Quebec Civil Code.
n to issue and maintain insurance products and services you may request;
n toevaluate insurance risk, manage and coordinate claims, re-price medical expenses
and negotiate payment of claims expenses;
n to better understand your insurance situation;
n to determine your eligibility for insurance products and services we offer;
n to help us better understand the current and future needs of our clients;
n to communicate to you any benefit, feature and other information about products and
services you have with us;
n to help us better manage our business and your relationship with us; and as required or
permitted by law.
For these purposes, we may make this information available to our employees, our agents,
service providers and other third parties, who are required to maintain the confidentiality
of this information.
In the event our service provider is located outside of Canada, the service provider is bound
by, and the information may be disclosed in accordance with, the laws of the jurisdiction in
which the service provider is located. Third parties may include other insurance companies,
other financial institutions, health organizations and the government (including government
health insurance plans) and governmental agencies
Upon your request, we may give this information to other persons.
We may also use this information and share it with RBC companies (i) to manage our
risks and operations and those of RBC companies, (ii) to comply with valid requests for
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information about you from regulators, government agencies, public bodies or other entities
who have a right to issue such requests, and (iii) to let RBC companies know your choices
under “Other uses of your personal information” for the sole purpose of honouring your
choices.
Phone: 1-866-863-6970
Fax: 1-888-298-6262
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® / TM Trademarks of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank
of Canada.
‡
All other trademarks are the property of their respective owner(s).