rbc travel visa insurance

RBC ® Travel Insurance

Taking a trip see if your rbc ® credit card covers you..

In just a few minutes, you can see what travel insurance you have on your RBC credit card, whether you have enough coverage for your trip, or if you need to buy additional coverage. It’s that simple!

See what travel insurance coverage your card has:

Required Information

Which RBC credit card did you use to pay for the full cost of your trip?

Good news! Your card has some travel insurance coverage.

Your card provides some valuable travel insurance coverage for you and other covered persons (opens modal window) .

Covered Persons

Covered Persons refer to you (the cardholder), your spouse and your dependent child/children who travel with you or join you and/or your spouse on the same trip. Plus, if your card includes Trip Cancellation and Interruption insurance your dependent children who are age 16-24 can travel on their own (without you or your spouse) and be covered for Trip Cancellation and Interruption. (Note: children under 16 travelling on their own are not covered). Other travellers on the same trip are not covered under your credit card travel insurance coverage.

Covered Persons refer to you (the card applicant), your spouse and your dependent child/children who travel with you or join you and/or your spouse on the same trip. Plus, if your card includes Trip Cancellation and Interruption insurance your dependent children who are age 16-24 can travel on their own (without you or your spouse) and be covered for Trip Cancellation and Interruption. (Note: children under 16 travelling on their own are not covered). Co-applicants and authorized users are also covered but their spouse and dependent children are not covered. Other travellers on the same trip are not covered under your credit card travel insurance coverage.

Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions.

Summary of Your Card’s Coverage

• Under age 65: Unlimited coverage Disclaimer 1 for first fifteen (15) consecutive days of your trip
• Age 65+: Unlimited coverage Disclaimer 1 for first three (3) consecutive days of your trip

Out of Province/Country Emergency Medical Insurance

This insurance covers reasonable and customary expenses, in excess of any medical expenses payable by your government health insurance plan or any other insurance plan, for emergency treatment medically required during your trip as a result of a medical emergency.

This is a summary only. All travel insurance is subject to limitations and exclusions. Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions.

Trip Cancellation Insurance

This insurance protects eligible cardholders against the cost of non-refundable prepaid travel arrangements if the trip is cancelled prior to your departure, due to a covered reason. For this coverage to be effective, you must have purchased your prepaid travel arrangements with your RBC ® credit card and/or Avion ® points.

Trip Interruption Insurance

Flight delay insurance.

If you miss your connecting flight, are denied boarding or your flight is delayed, this insurance reimburses you, up to a certain maximum, for reasonable and necessary expenses you may have (for example, a hotel room or restaurant meals) as long as you have checked in with the air carrier and you paid for your airline ticket with your RBC ® credit card and/or Avion ® points.

Delayed Baggage Insurance

If your checked baggage is lost or delayed, this insurance reimburses you, up to a certain maximum, for reasonable and necessary emergency purchases that you need, as long as you paid for your airline ticket with your RBC ® credit card and/or Avion ® points.

Hotel/Motel Burglary Insurance

If you need to repair or replace personal property that has been damaged or lost due to a burglary of your hotel/motel room or cruise cabin and you are a registered guest, this insurance reimburses you, up to a certain maximum, as long as you paid for your hotel/motel room or cruise cabin with your RBC ® credit card and/or Avion ® points.

Travel Accident Insurance

This insurance covers you for accidental bodily injury or death if you are injured during an accident that occurs while you are travelling on a common carrier (such as a passenger plane) as long as you paid for these transportation arrangements with your RBC ® credit card and/or Avion ® points before departing on your trip.

Auto Rental Collision/Loss Damage Waiver Insurance

When you pay for the entire cost of the rental vehicle using your RBC ® credit card and/or Avion ® points, this Insurance covers you and/or a rental agency for loss/damages to eligible rental vehicles up to the actual cash value of the damaged or stolen rental vehicle. The length of time you rent the same vehicle must not exceed forty-eight (48) consecutive days.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Infinite Certificate of Insurance (opens PDF in new window) for complete details.

Legal Disclaimer 1) Unless otherwise noted in the Certificate of Insurance, the maximum benefit for emergency medical insurance is unlimited.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Platinum Certificate of Insurance (opens PDF in new window) for complete details.

Lost/Stolen Baggage

We will pay the covered person for loss or damage to owned baggage and personal effects used for the personal use of the covered person while in transit as checked-in baggage or carried on board the air carrier when the full cost of the airline ticket is paid with your RBC ® credit card and/or Avion ® points.

All insurance is subject to limitations and exclusions. Download the RBC ® Avion ® Visa Infinite Business ‡ Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Business Certificate of Insurance (opens PDF in new window) for complete details.

• Under age 65: Unlimited coverage Disclaimer 1 for first thirty one (31) consecutive days of your trip
• Age 65+: Unlimited coverage Disclaimer 1 for first seven (7) consecutive days of your trip

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Infinite Privilege Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Infinite Privilege for Private Banking Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC Rewards ® Visa ‡ Preferred Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC ® U.S. Dollar Visa ‡ Gold Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC ® British Airways Visa Infinite ‡ Certificate of Insurance (opens PDF in new window) for complete details.

Next Step: Tell us who is travelling so we can give you an accurate quote.

Who do you want to get a quote for?

Why we ask: Since your credit card’s travel insurance covers you, your spouse and/or your dependent children, your quote will calculate the coverage you already have on your card—saving you money!

Why we ask: Since your credit card’s travel insurance does not cover travellers other than you (the cardholder), your spouse and/or your dependent children, your quote for these travellers will not factor in your credit card coverage.

Tip: You will need to get a quote and buy travel insurance for other eligible travellers separately so that we can give you an accurate quote for everyone.

Eligibility

To be eligible for this insurance coverage, a traveller must be:

• A client of the RBC companies or a spouse or child of a client
• A Canadian resident (applicable for Emergency Medical Insurance coverage)

Travel Insurance coverage is not included on your card, but we can cover you!

Although the card you used to purchase your trip does not include coverage, you can get a quote and buy affordable travel insurance now.

We are unable to determine the travel insurance coverage on your card

We can help make sure you’re protected financially every time you travel with affordable trip cancellation and interruption insurance, emergency medical insurance and more. Get a quote and buy affordable travel insurance now.

• Contact Customer Service
• Call 1-800-769-2553
• Locate a No-Fee 2 U.S. ATM
• RBC Bank (U.S.) Online Banking
• RBC Royal Bank Online Banking

U.S. Credit Cards for Canadians

No Annual Fee 20 Legal Disclaimer (opens in popup) Travel Rewards U.S. Credit Card 4 Legal Disclaimer (opens in popup)

Travel further, reward yourself.

Avoid foreign transaction fees and earn rewards with our credit cards, 4 Legal Disclaimer (opens in popup) suited to any traveler to the U.S. and beyond.

Visa ‡ Signature Black

• No foreign transaction fees on U.S. purchases 19 Legal Disclaimer (opens in popup)
• Earn 1 Avion point for every dollar you spend 6 Legal Disclaimer (opens in popup)
• Redeem your Avion points for travel, gift cards, merchandise or unlimited 1.00% cash back 24 Legal Disclaimer (opens in popup)
• Redeem your Avion points for travel, gift cards, merchandise or unlimited 1% cash back 24 Legal Disclaimer (opens in popup)

Build a U.S. credit history

Annual fee:

$0 20 Legal Disclaimer (opens in popup)

0% for 6 months

Apply Online for Visa ‡ Signature Black

Visa ‡ Signature Black Plus

• No foreign transaction fees – anywhere in the world 19 Legal Disclaimer (opens in popup)
• Earn 1.5 Avion points for every $1 you spend 6 Legal Disclaimer (opens in popup)
• Redeem your Avion points for travel, gift cards, merchandise or unlimited 1.25% cash back 24 Legal Disclaimer (opens in popup)
• Enjoy built-in travel insurance benefits 9 Legal Disclaimer (opens in popup)

Apply using your Canadian credit history

See how Canadian and U.S. credit cards stack up

See why you should leave your Canadian credit card behind when you head south of the border.

How much is your Canadian credit card costing you in the U.S.?

See how much you can save when you pay no foreign transaction fees on U.S. transactions. 19 Legal Disclaimer (opens in popup)

Card benefits

Insurance and protection, travel and emergency services, easy to use, easy to pay off, secure way to pay.

• Insurance and Protection
• Travel and Emergency Services
• Easy to Use, Easy to Pay Off
• Build a U.S. Credit History
• Secure Way to Pay

Your RBC Bank credit card comes with valuable travel insurance 9 Legal Disclaimer (opens in popup) that protects you from the unexpected. You also get protection for your purchases and rental vehicle. Take a look at all the coverage that comes with a Visa ‡ Signature Black and our premium Signature Black Plus card. Visa Signature Black Credit Card Guide to Benefits -->

If an accident or emergency happens while you’re in the U.S., we’ve got you covered with extensive travel and emergency services. 23 Legal Disclaimer (opens in popup) We’ll help you contact loved ones, a doctor or even a lawyer and get you where you need to go in a hurry.

Use your RBC Bank credit card anywhere Visa is accepted — in-store, online and over the phone. Pay your credit card bill by just clicking the “Pay Now” button in online banking.

We use your Canadian credit history when considering your credit card application. You can then use your new U.S. card in conjunction with a U.S. address to help build your U.S. credit history, making it easier to qualify for a U.S. loan, line of credit or mortgage 8 Legal Disclaimer (opens in popup) in the future.

Chip technology is embedded into your RBC Bank credit card, which means you’re protected by several layers of fraud prevention technology. And if something goes wrong? You’re protected by Visa’s Zero Liability. 10 Legal Disclaimer (opens in popup)

Use our contactless payment feature at participating merchants – simply tap your card at checkout to complete your transaction and be on your way.

Check Out Avion Rewards

Flexible rewards

Enjoy the rewards 6 Legal Disclaimer (opens in popup) you want, like gift cards to your favorite restaurant or store, travel benefits or cash back to pay your bills.

Cash back your way

Turn points into cash 24 Legal Disclaimer (opens in popup) to pay bills or deposit to your accounts.

Book travel on your terms

Use rewards points to pay for flights, hotels, car rentals, exclusive once-in-a-lifetime adventures and more!

Gift cards you'll love

Use points for physical gift cards from over 60 retailers, restaurants, hotels and more.

High-end merchandise

Redeem points for the latest gadgets and gear from all the hottest brands.

Pool and transfer points

Transfer your points 7 Legal Disclaimer (opens in popup) to your Canadian Avion Rewards account at face value. You can also pool your points with friends and family. Points are transferred at a 1:1 value. One U.S. Avion point is equal to one Canadian Avion point.

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HelloSafe » Travel Insurance » RBC

Is RBC travel insurance the best in 2024?

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Information verified by   Adeline Harmant

Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.

Visiting another country or province without travel insurance can be a costly mistake. Indeed, did you know that an overnight stay in a hospital in the United States can exceed $14,000 CAD? Some countries might even refuse to help you if you are unable to prepay for treatment.

Travel insurance is a necessity when you are away from home . It guarantees your ability to access and pay for health care, if and when you need it. Beyond medical emergencies, travel insurance can also help with flight issues, lost luggage, and more.

While you're looking at options, have you considered RBC travel insurance? What does RBC cover? For what price? What are its pros and cons? Read our review on RBC travel insurance, get a quote, and see how the competitors fare.

Our 2024 review of RBC travel insurance

The Royal Bank of Canada, often abbreviated to RBC, is a global financial institution and one of the largest banks in Canada. Buying RBC Travel insurance means getting coverage from a trusted brand. A variety of plans means that you can buy the right amount of coverage for your trip and medical needs.

Continue below for RBC travel insurance pros and cons:

Why RBC could be right for you:

• Unlimited medical benefits
• Easy, online application
• Enjoy coverage for your items as well – they are covered against theft, loss, damage and delay.
• 24/7 global telephone assistance.

Why RBC may not be right for you:

• Unlimited emergency medical coverage is limited to just $20,000 if you do not have a valid government health insurance plan
• RBC's Emergency Medical Insurance Coverage is only for Canadian residents only.
• Less generous Covid-19 coverage that many competitors

Before choosing RBC, compare options and quotes. A little shopping around can help you to save money and find a coverage that really fits your needs:

Compare the best travel insurance plans on the market!

What does RBC travel insurance cover?

RBC offers a wide range of plans covering emergency medical intervention, trip cancellation and coverage on personal items and accidents during your trip and journey. Here are the types of plans available with RBC:

For more information, download the PDF below:

The Travel within Canada package covers unlimited emergency medical interventions for all domestic travels in Canada. It also features extensive benefits on trip cancellation, interruptions and flight accidents.

RBC offers Visitors to Canada Insurance. This covers both emergency and general medical interventions. Personal items are also covered from theft, loss or damage.

Students coming into Canada can also take advantage of the RBC travel insurance package for students. It is extensive and caters for general and emergency medical interventions. The rbc travel medical insurance is quite comprehensive providing coverage up to $5 million and on par with other popular insurances like Manulife travel insurance .

What does RBC Avion travel insurance cover?

Apart from traditional travel insurance, there is also RBC credit card travel insurance available for cardholders.

RBC avion travel insurance can be accessed through the RBC Avion Visa Infinite Privilege card that comes at an annual fee of $399.

In the event of medical emergencies, the RBC Avion provides emergency medical coverage of up to $5 Million for a period of 31 days. For trip cancellations, the insurance offers protection of up to $2,500 per insured person, allowing you to recover non-refundable expenses.

Additionally, if your trip gets interrupted for covered reasons, such as illness or a family emergency, the insurance provides coverage of up to $5,000 per insured person to compensate for the costs incurred.

In the event of flight delays, the RBC Avion offers coverage of up to $1,000 to assist with additional expenses and inconvenience. For lost or stolen baggage, there is a coverage of up to $2,500.

Moreover, in the unfortunate event of hotel burglary, the insurance provides coverage of up to $3,000, offering financial protection for your belongings. The travel accident coverage provides up to $500,000 in coverage. It also covers rental car loss or damage.

Pros of rbc avion

• Faster security clearance at prime Canadian airports
• Extensive medical coverage
• Rental car coverage

Cons of rbc avion

• High income requirement of personal or household $200,000
• High annual fee

For assistance, you can contact: 1-800-533-2778 toll-free from the US & Canada or 905-816-2581 collect from anywhere in the world .

What is RBC westjet mastercard travel insurance coverage?

The RBC westjet Mastercard travel insurance provides $500,000 accident coverage when you're traveling. It also includes a hotel/motel burglary coverage of $2,500 per incident.

It also includes emergency purchases insurances to cover you during unexpected incidents by up to $500. Flight Delay Insurance of $250 per day per covered person is also included.

There is also emergency medical insurance coverage for the first 15 consecutive days of your trip if you are under 65. For those above the age of 65, the coverage is for 3 days. Check with your provider for the complete information on the coverage.

What does RBC preferred visa travel insurance cover?

Apart from the aforementioned options, there is also the RBC preferred visa travel insurance specifically for Preferred Visa cardholders.

There is Emergency Medical insurance coverage that includes hospital, doctor fee, prescription drugs, and more. The insurance also covers trip cancelations and trip interruptions.

It is to be noting that pre-existing medical conditions that are not stable are not covered. However, it's best to review the complete document or speak to RBC customer care to get the complete and up-to-date information.

Good to know

There is also RBC world elite mastercard travel insurance and RBC visa gold travel insurance provided for cardholders. Both these insurances should cover emergency medical insurance, trip cancellation and interruptions, accident insurance, and flight delays, among other essential coverage. Please contact RBC customer care for more information.

Does RBC travel insurance cover covid?

RBC travel insurance covid coverage is available under its travel insurance plans. It provides emergency medical coverage for medical expenses related to COVID-19, as long as there are no travel-ban advisories issued by the Canadian government on the day you depart on your trip.

Regarding trip cancellation or interruption benefits related to COVID-19, RBC Insurance will not pay unless certain conditions are met. These conditions include:

• If you get sick with COVID-19, preventing you from traveling as planned.
• If your spouse and/or children become sick with COVID-19, preventing you from traveling as planned.

In these situations, RBC Insurance may provide coverage for trip cancellation or interruption expenses. However, it's important to carefully review the specific terms and conditions of your policy, as they may contain additional requirements or limitations for coverage related to COVID-19.

How much does RBC travel insurance cost?

The price of travel insurance coverage depends on:

• Your desired coverage and otpions.
• Your deductible.
• Your waiting period.
• Your destination(s).
• The lenght of your trip.

Expert advice

Therefore it will be important to get an individual quote customized for your unique needs.

How to buy RBC travel insurance?

RBC packages are available through their website or by calling RBC travel insurance contact at 1-800-565-3129 or 1-866-317-3122. You could also fill in your details on the RBC website and an advisor will get in touch with you with quotes based on your unique needs.

Before settling on RBC, we advise you shop around! You can quickly and anonymously compare prices from leading travel insurance companies using our free comparison tool below:

Is there RBC travel insurance for seniors?

Yes, RBC travel insurance for seniors provides affordable plans for mature travellers , offering coverage for essential medical expenses, lost baggage, trip cancellation, and more.

RBC medical travel insurance for seniors services include 24-hour worldwide emergency medical and travelling assistance with multilingual professionals available round the clock. They offer unlimited coverage for eligible medical expenses not covered by government health insurance and provide coverage for stable pre-existing conditions.

RBC ensures safe transportation to the nearest medical facility and even covers the cost for a companion to travel to your bedside. They facilitate direct payment of medical bills whenever possible and have packages tailored to all age groups, including seniors.

They may require you to answer some health-related questions for individuals aged 65 and above to make sure you get the most appropriate coverage.

How to file RBC travel insurance claim ?

Claims can be filed directly on their website. You will have to fill up a claim form, like the one attached below, to initiate the process. You will have to provide supporting documents like proofs from your physician in case of medical claims.

In case of travel interruptions or delays, you must provide documents of your reservations and flight details and cancelations if any.

You can also file your claim by calling the following phone numbers:

• 1-800-387-2487 (Toll-free from Canada and USA)
• 905-816-2561 (Collect from anywhere)
• 1-800-263-8944

How can I contact RBC travel insurance?

For any queries, you can reach the RBC's customer care at the following phone numbers:

• 1-800-387-2487 (Canada and USA)
• +1-905-816-2561 (Worldwide)

How to cancel RBC travel insurance?

In case you want to cancel your policy, you can contact the RBC travel insurance phone number 1-800-565-3129 and follow the instructions.

If you cancel the insurance within 10 days of purchase of the policy and have no initiated any claim and haven't left for your trip, you are eligible for a full refund. If more than 10 days has passed, contact the RBC customer care for further details.

You can also refer to the " insurance premium " section of you insurance document to find details on cancellation and charges.

Now that you know everything you need to in order to decide if RBC is the right fit for you, you can use our comparator to compare other insurances and also get quotes to make the best decision.

Save up to 25% on your travel insurance with our partner soNomad

Get a quote

1-888-550-8302

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.

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WestJet RBC World Elite Mastercard Review 2024: Is It Worth It?

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

NerdWallet Rating

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Best for: WestJet flyers.

With annual round-trip travel vouchers, free checked bags and accelerated rewards rates on dollars spent through the airline, the WestJet RBC World Elite Mastercard is a practical pick for jetsetters who frequently fly with WestJet. Learn more about how we evaluate cards .

This travel rewards card earns WestJet dollars and comes with numerous travel perks. Cardholders earn 1.5% back in WestJet dollars on eligible purchases with accelerated earn rates on WestJet flights or vacation packages.

WestJet RBC World Elite Mastercard

• Get up to $450 in WestJet dollars¹ with the WestJet RBC® World Elite Mastercard. Plus, get a Round-Trip Companion Voucher Every Year – for any WestJet destination starting from $119 CAD³ (plus taxes, fees, charges and other ATC).
• Get free first checked bags for the primary cardholder and up to 8 guests on the same reservation⁴
• Earn WestJet dollars 1.5% on everyday purchases and 2% on flights or packages with WestJet or WestJet Vacations⁸
• WestJet dollars never expire¹⁰ Use your WestJet dollars to book flights anytime so you can travel when and where you want.
• No blackout periods.
• Travel coverage including emergency medical insurance²⁰ as well as trip interruption insurance²¹, hotel burglary¹⁸ and rental car insurance¹⁸. Even eligible purchases you make on the card are protected.
• Link your RBC card with a Petro-Points membership to and instantly save 3₵ per litre on fuel¹² and always earn 20% more Petro-Points¹³ at Petro-Canada.
• Free Boingo Wifi for Mastercard holders¹¹ at over 1 million hot spots.
• Get $0 delivery fees for 12 months from DoorDash^. Add your eligible RBC credit card to your DoorDash account to: Get a 12-month complimentary DashPass subscription± – a value of almost $120. Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card.
• Eligibility: This card requires a minimum personal income of $80,000 or a minimum household income of $150,000. Must also be a Canadian resident of the age of majority in the province or territory of residence.
• Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process.
• Full review
• Customer ratings
• Eligibility
• How to apply

WestJet RBC World Elite Mastercard vs TD Aeroplan Visa Infinite Card

• Rating methodology

WestJet RBC World Elite Mastercard full review

The WestJet RBC World Elite Mastercard is a travel rewards card that earns WestJet dollars. Points can be redeemed for WestJet flights or vacation packages.

Benefits of the WestJet RBC World Elite Mastercard

This co-branded WestJet Mastercard has many of the perks and features you’d expect from a travel card, like travel vouchers, free checked bags, free global Wi-Fi and travel insurance. 

Drawbacks of the WestJet RBC World Elite Mastercard

The WestJet RBC World Elite Mastercard has a lot going for it. However, its high annual household income requirements could be a barrier to entry, and its rewards are limited to WestJet flights, as well as WestJet Vacation and Sunwing Vacation packages. 

Who should get the WestJet RBC World Elite Mastercard?

Jet-setters who frequently fly with WestJet stand to gain the most from the WestJet RBC World Elite Mastercard. The card offers its highest earn rate on dollars spent booking WestJet flights and vacation packages. WestJet dollars can be redeemed for WestJet flights, and WestJet Vacation and Sunwing Vacation packages.

Is the WestJet RBC World Elite Mastercard worth it?

The WestJet RBC World Elite Mastercard may be worthwhile for those who like to fly with WestJet, as the card’s reward redemptions are limited to travel booked through WestJet.  One WestJet dollar is worth $1 CAD, according to WestJet. So, you’d need to earn at least 119 WestJet dollars to recoup the card’s $119 annual fee. 

RBC customer ratings

• Below average customer satisfaction: The Royal Bank of Canada ranks 8th out of 13 institutions in online banking satisfaction according to J.D. Power’s 2023 Canada Credit Card Satisfaction Study.
• Poor Trustpilot rating: 1.2 out of 5 possible stars based on over 1,100 customer reviews, as of this writing.
• Unfavourable Better Business Bureau rating: 1.21 out of 5 possible stars based on over 100 customer reviews, as of this writing. 

WestJet RBC World Elite Mastercard eligibility

Who qualifies for the westjet rbc world elite mastercard.

To qualify for the WestJet RBC World Elite Mastercard, you must:

• Be a Canadian resident.
• Be at least the age of majority for your province or territory.
• Have a personal annual income of at least $80,000 or an annual household income of at least $150,000.  

Don’t meet the income requirements? You could consider cards like the TD Aeroplan Visa Platinum Credit Card or the CIBC Aeroplan Visa Card that have low or no income requirements but still offer travel perks and rewards. 

Approximate credit score needed for approval

Canadian credit card issuers rarely disclose required credit scores , which makes it hard to know your chances of approval when comparing credit cards. However, higher scores generally mean better chances of approval, and that’s true regardless of the type of credit you’re applying for. Want to learn more? Visit our “ What Credit Score is Needed for a Credit Card? ” page.

WestJet RBC World Elite Mastercard rewards

Earn up to 450 WestJet dollars. 

• Get 250 WestJet dollars when you become a WestJet RBC World Elite Mastercard cardholder. 
• Earn an additional 200 WestJet dollars by making at least $5,000 in purchases within your first three months of card membership.

Earn WestJet dollars at the following rates:

• 2% back in WestJet dollars when you book WestJet flights or vacation packages.
• 1.5% back in WestJet dollars on all other purchases.

WestJet dollars can be redeemed for WestJet flights or vacation packages.

The WestJet RBC World Elite Mastercard’s welcome offer includes up to 450 WestJet dollars, worth $450, according to WestJet. 

Beyond its welcome offer, the WestJet RBC World Elite Mastercard earns up to 2% back in WestJet dollars on eligible purchases. It also comes with a number of benefits that provide additional value, including annual round-trip travel vouchers, free checked bags, free global Wi-Fi, Petro-Canada discounts, a complimentary 12-month DoorDash subscription and more.

Plus, additional value can be squeezed from the card’s insurance protection, should it ever need to be put to use.

Point value breakdown

According to WestJet, 1 WestJet dollar is worth $1 CAD when redeemed for the base fare of eligible flights and vacation packages.

How to apply for the WestJet RBC World Elite Mastercard

The application process for the WestJet RBC World Elite Mastercard can be completed online by visiting RBC’s website: 

• From the WestJet RBC World Elite Mastercard webpage, select Apply Now. 
• Review the card’s terms and conditions. Select Continue. 
• Enter your full name, email address, phone number, date of birth, residential address, monthly housing expenses and employment status.  
• Review your information and submit your application.

You may also be able to fill out an application for the WestJet RBC World Elite Mastercard in person at an RBC bank branch.

For those interested in a travel card but want to participate in a larger, more robust rewards program, the TD Aeroplan Visa Infinite Card may be worth a look. Despite offering fewer travel-related perks, the TD Aeroplan Visa Infinite Card is the more accessible of the two cards thanks to its lower annual income requirement.

Reasons you might want a different card

The WestJet RBC World Elite Mastercard may not be a practical fit if:

• You don’t travel often.
• You want a card that earns Aeroplan points , like the TD Aeroplan Visa Infinite Card or the American Express Aeroplan Reserve Card .
• You want a card that earns Air Miles , like the BMO Air Miles Mastercard or the BMO Air Miles World Elite Mastercard. 
• You want a card that earns cash back, like the Tangerine World Mastercard or the Scotia Momentum Visa Infinite Card .

WestJet RBC World Elite Mastercard facts

Rating methodology.

NerdWallet Canada rates credit cards according to overall consumer value and their suitability for specific kinds of consumers. Factors in our evaluation methodology  include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as airline or hotel perks or the ability to transfer points.

About the Author

Shannon Terrell is a lead writer and spokesperson for NerdWallet, where she writes about credit cards and personal finance. Previously, she was a writer, editor and video host for financial…

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23 Best Credit Cards in Canada for April 2024

NerdWallet Canada’s picks for the best credit cards include top contenders across numerous card categories. Compare these options to find the ideal card for you.

Interest charges don’t need to be a mystery. Use our credit card interest calculator to see how much interest you’d owe if you carry a credit card balance.

How to Choose a Travel Credit Card

With so many cards, rewards programs and benefits available, choosing the right travel credit card can be overwhelming. However, once you’ve got one in your wallet, you can reap the rewards on your next trip.

When Do Air Miles and Other Travel Rewards Expire?

Travel rewards typically expire after 18-24 months of inactivity, but there are several ways to prevent this, even if you don’t have travel plans at the moment.

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Credit Card Fees 101: How and why fees are charged

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Published March 27, 2024 • 5 Min Read

Do all credit cards come with fees? How much is a typical annual fee? Can I get a card with no fee? Get answers to these questions and more with this introduction to credit card fees in Canada.

A credit card can be a handy tool that lets you pay for things in stores, online and by phone. There are various types of credit cards to choose from, with different credit limits, interest rates, benefits and fees.

There are a few different types of fees that come with using a credit card. But depending on the type of card you choose and the way you use your card, you may not even encounter a credit card fee. Being informed about fees can help ensure you’re getting the most out of your credit card.

The lowdown on annual fees

An annual fee is a fee your credit card issuer will charge. Typically, the fee is once a year, but it can also be monthly.  

Annual fees can vary from under $30 to over $600. And some cards come with no annual fee.

In general, the amount of the fee corresponds to the additional perks and benefits that come with the card. Although a card with no annual fee may give you the chance to earn points or cash back, the rate at which you earn these benefits or redeem may be lower than that of a card with an annual fee.

Let’s take a look at some RBC cards as an example.

$0 annual fee. The RBC ION Visa comes with no annual fee. You typically receive 3,500 welcome points and earn 1.5X Avion points for every $1 spent on groceries, rides, gas, streaming, digital gaming and more. You can redeem your points to pay bills and shop for gift cards or merchandise.

$48 annual fee. The RBC ION+ Visa comes with a low annual fee, charged at $4 monthly. A typical welcome bonus is about 7,000 points and you earn 3X Avion points for every $1 spent on the same everyday items. Like the card above, you can redeem your points to pay bills and shop for gift cards or merchandise.

$120 annual fee. The RBC Avion Visa Infinite has a higher annual fee for the convenience of earning travel rewards. You may receive a welcome bonus of 15,000 – 35,000 Avion points and you earn 1 point for every $1 you spend, plus an extra 25% on eligible travel-related purchases 12 . You can redeem your points for travel on any flight and any airline – and just 35,000 points gets you a short-haul flight! Plus, you can access extensive insurance coverage and luxury travel benefits.

$399 annual fee. The RBC Avion Visa Infinite Privilege is a luxury travel card. The annual fee provides access to enhanced perks and benefits, including a welcome bonus of 15,000 – 35,000 Avion points. Plus, you earn 1.25 Avion points for every dollar you spend and get access to extensive insurance coverage and premier travel advantages, including airport lounge access, airport security fast track lanes, and dedicated airport parking at select Canadian airports. 

How to get a fee rebate

Interested in the benefits you can receive with fee-based cards but prefer not to pay a fee? There may be ways to get a fee waiver. In some cases, you can bypass the annual fee if:

You’re a student

You’re a senior

You hold multiple banking products with the same financial institution

You have a bank account that offers annual fee waivers 

Every card issuer has different fee structures. So, it’s a good idea to contact them to see what you can do to have the fee removed or reduced on your credit card.

Other fees to be aware of

The annual fee may be the most visible fee that comes with your card. But there are other credit card fees to know about. Here are some common ones, but this isn’t a full list.

Cash advance fee. If you use your credit card to access cash (such as at an ATM), you may be charged a cash advance fee. This can be a flat fee per advance or a percentage of the amount you’re withdrawing.

Over-limit fee. This fee may be charged if you go over your credit limit. Some companies charge a percentage of the amount you’re over, while others have a set fee that might range from $15 to $30.

Foreign transaction fee. Most cards charge a foreign transaction fee for purchases made in another country. If you frequently travel outside of Canada and use your card as your primary spending tool, this fee could impact you. However, if you do not travel often or typically pay with cash while out of the country, this fee will not affect you a great deal.

Authorized user fee. An annual fee may apply for any extra authorized users added to the credit card account. This could be your spouse, partner, parent or someone you trust that is the age of majority in their province or territory. 

When it comes to credit card fees, you have options. You can choose a card with no annual fee. Or, you can choose to pay a fee to enjoy special benefits that can save you money on travel and purchases. When assessing credit cards, consider how they match your lifestyle and interests. And ask yourself, is the fee worth what I get in return?

Need a hand choosing a card? Use the RBC Credit Card Selector tool to learn more about the cards available to you.

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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.

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Trip Cancellation and Interruption Insurance

Things don't always go as planned.

Protect your travel investment—just in case your trip gets cancelled or interrupted.

Get a Quote

Financial protection for your trip expenses.

Have you bought an airline ticket or made a non-refundable and/or non-transferable hotel deposit? Protect your purchase with trip cancellation and interruption insurance. This coverage protects you financially in case you get sick or an unexpected event forces you to cancel your trip, come home early or delay your return home. Here’s how it can help:

Before Departure Disclaimer 1

Trip cancellation insurance reimburses you for non-refundable and/or non-transferable deposits on pre-paid travel arrangements and cancellation penalties that a transportation carrier or tour guide may charge.

See More See Less

Policy Documents:

For complete coverage details, limitations and exclusions, see:

After Departure Disclaimer 1

Trip interruption insurance covers extra costs if you need to return home sooner or later than planned and reimburses you for non-refundable and/or non-transferable portions of unused, prepaid travel arrangements.

Other Expenses Disclaimer 1

Out of Pocket expenses reimburses you for extra expenses like a hotel, meals, taxi fares (ride sharing, or rental car in lieu of taxi fares)and more if a covered situation happens.

Do you need medical coverage, too?

Consider a travel insurance package instead if you think you may need coverage for emergency medical expenses and other situations. All of our packages include trip cancellation and interruption insurance.

Make sure you have the right travel insurance—get an online quote or talk to a licensed insurance advisor.

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Canada’s Carbon Rebate: A 2024 Guide

Published: Apr 3, 2024, 11:33am

Table of Contents

What is the canada carbon rebate, how does the canada carbon rebate work, how much is the canada carbon rebate, who qualifies for the canada carbon rebate, when do i get my canada carbon rebate, the bottom line, frequently asked questions (faqs).

On April 1, 2024, the federal government increased the carbon tax from $65 per tonne to $80 per tonne, making fossil fuels more expensive.

This carbon tax is meant to incentivize Canadians to make greener choices by raising the cost of polluting fuels, such as gasoline and diesel. The most recent hike increased the price for gasoline by 3.3 cents per litre, and since the tax was first introduced in 2019, the cost has gone up by 17.6 cents per litre. However, to help offset that carbon tax, the federal government also pays a Canada carbon rebate to all eligible Canadians who are impacted by this pollution pricing. As the carbon tax goes up, so does the rebate.

Below we explain how the carbon rebate works, who qualifies for it and how much you can expect to get back.

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The Canada Carbon Rebate (CCR) is a tax-free benefit to help eligible individuals and families offset the cost of the federal pollution pricing.

The rebate is paid to eligible Canadians in provinces that are impacted by the federal carbon pricing. As B.C., Quebec and Northwest Territories have their own carbon pricing programs ( the B.C. and NWT programs are similar to the federal plan while Quebec uses a cap-and-trade system), residents of those provinces are not eligible for the federal rebate.

From 2018 to 2020 the rebate was known as the climate action incentive, or CAI. From 2021 to 2023 it was known as the climate action incentive payment (CAIP). It was rebranded as the Canada carbon rebate in early 2024.

The CCR is paid to all eligible Canadians four times a year: April 15, June 15, October 15 and January 15. Eligibility is based on your province of residence as well as how many people live in your household and your province of residence. There is also a supplement for residents of small and rural communities. You do not need to apply for the CCR; you only need to file your income tax each year.

According to the Parliamentary Budget Office , approximately 80% of Canadians receive more from the rebates than they pay in carbon tax.

The reasoning for both the carbon tax and rebate is this: the carbon tax is meant to encourage people to choose less polluting fuel options, such as using public transit or buying a hybrid car. You only pay the tax when you’re purchasing fossil fuels, but you receive the rebate regardless. So if you reduce your spending on fossil fuels, you get to keep more money in your pocket via the rebate. The rebate is intended to cover the differential cost of carbon pollution pricing (that is, the portion of your fuel bill that goes towards the tax), not your fuel costs.

Related: Where To Do Your Taxes In Canada

In January 2024, approximately $2.3 billion in carbon tax rebates were paid to approximately 12 million Canadians. The amount of CCR that you receive depends on your province and the number of eligible people in your household.

Here is a breakdown of the current base amount of each quarterly payment and what that payment looks like for a family of four (two adults, two children):

There is also a rural supplement of 20% above the base amount that is given to residents outside of city centres due to their reliance on fossil fuels and limited options for greener alternatives. (Before April 1, 2024, the rural supplement was 10% of the base amount.) This means that while a household of four in Calgary would get an annual rebate of $1,800, a household of four in Bragg Creek, Alberta (population 432 in 2021) would receive $2,160.

The rural supplement applies to residents of Alberta, Saskatchewan, Manitoba, Ontario, Newfoundland and Labrador, New Brunswick and Nova Scotia whose primary residence is outside a census metropolitan area (CMA), which has a total population of at least 100,000. According to the 2021 census, 84% of Canada’s population lives within a CMA, and more than half of the population live in the 10 largest CMAs (the top three are Toronto, Montreal and Vancouver). All eligible recipients of the CCR in PEI are eligible for the rural supplement. You can look up whether you are eligible for the rural supplement here .

To be eligible for the CCR, these conditions must be met:

• You are a resident of Canada in the month before the payment.
• You are a resident of Alberta, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, PEI or Saskatchewan.
• You are 19 years old or older. (You’re eligible if you’re less than 19 if you have a spouse/common-law partner or you are a parent and live with your child.)

You have an eligible child if all the following conditions are true:

• Your child is under 19 years of age.
• Your child lives with you. (If you share custody, you will receive 50% of the benefit for that child.)
• You are primarily responsible for the care and upbringing of your child.
• Your child is already registered for the Canada child benefit (CCB) or GST/HST credit.

If you have a spouse or common-law partner, only one of you can receive the payment for the family. The CCR is paid to the person who files their taxes first. The payment is the same regardless of income, so it does not matter who files first. As the CCR is based on your household, both spouses or common-law partners need to file their income tax returns even if there is no income to report.

The CCR is paid four times a year: April 15, June 15, October 15 and January 15. To receive the April 15, 2024 payment, you must have filed your tax return electronically by March 15, 2024. If you did not file by that deadline, it will take between six to eight weeks after your return is assessed to receive your rebate.

If you are already set up to receive your tax refund by direct deposit, you will also receive your CCR by direct deposit. The transactions should have a reference name of “Canada Carbon Rebate” but as banks have no obligation to use the description text as supplied by the federal government, the deposit may look like something else, such as “Canada Fed.” You can log in to My Account on the CRA website to check when you are scheduled to receive your next payment.

While the carbon tax adds to the cost of purchasing everyday fossil fuels, such as gasoline and natural gas, the Canada carbon rebate helps keep a bit more money in your bank account.

Is there an income threshold for the Canada carbon rebate?

No. According to the CRA, “the CCR is not subject to a benefit reduction based on adjusted family net income.”

How can I apply for the Canada carbon rebate?

You don’t need to apply for the CCR. You just need to file your tax return each year. The CRA assesses your payment by the information you report in your tax return, such as your province of residence and the number of people in your household.

Why did I not receive the Canada carbon rebate?

If you think you are eligible for the rebate but you did not receive it, it may be because you have not yet filed your most recent tax return. If you filed your taxes electronically by March 15, 2024, you should receive your CCR payment on April 15, 2024. Otherwise, it will take six to eight weeks after your return has been assessed. In addition, if you have an outstanding tax debt with the CRA, your rebate will be applied to that debt first before you receive any payment.

Are the Canada carbon rebate amounts taxable?

No. The CCR is not considered taxable income . It is a tax-free benefit given to all eligible Canadians.

What are the payment dates for the Canada carbon rebate?

The scheduled payment dates for the CCR are April 15, June 15, October 15 and January 15. When the 15th falls on a weekend or federal statutory holiday, the payment will be made on the last business day before the 15th. If you are already set up to receive your tax refund by direct deposit, you will also receive your CCR by direct deposit.

Why does Canada have a carbon tax?

The federal government touts the carbon tax as the cheapest way to reduce the pollution causing climate change by incentivizing Canadians to choose greener options. Canada has the ambitious target to reduce greenhouse gas emissions by 40% to 45% below 2005 levels when emissions per capita were 23 tonnes of CO2 equivalent per person, an increase of nearly 10% over 1990 levels. In 2005, Canada’s total GHG emissions were 731 megatonnes, representing about 2% of overall global GHG emissions.

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What Is Income Tax?

How tax refunds work in canada, 10 smart ways to spend your tax refund, more from  , canada’s carbon tax increase: what you need to know, how tax credits work in canada, what happens if i don’t file my taxes.

Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

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On arriving at the Moscow Airport, you will be greeted at the airport by our representative and then be transferred to your hotel in Moscow. After check-in, relax at the hotel after a long journey and spend the night at the hotel.

Day 02 : Moscow : City Tour

After breakfast, get ready to explore the best of the city. Visit the many popular attractions of Moscow including The Cathedral of Christ the Saviour, the tallest Orthodox Christian church in the world and also visit the Bolshoi Theatre which is a historic theatre of Moscow with Ballet and Opera performances. Also explore the New Maiden’s Monastery which is a beautiful 17 century convent complex. A permanent general purpose trade show and amusement park, VDNKh. Take immense pleasure in discovering the spectacular night illusions in the evening. Saint Basil’s Cathedral is yet another eminent attraction you will visit on this tour. After a day of sightseeing and adventure, return to the hotel for a comfortable sleep.

Day 03 : Moscow to St. Petersburg

Enjoy a delectable breakfast at the hotel and check-out for your onward journey to Saint Petersburg. You will be transferred to the train station in Moscow. On arriving at the station in Saint Petersburg, our representative will escort you to the hotel. Check-in at the hotel and take a short nap. In the evening, you can go out to explore the surrounding area. Head to the local markets and buy some souvenirs. You can also enjoy the delicious street food of the city or dine at one of the best restaurants in the area. Return to the hotel for the comfortable overnight stay.

Day 04 : St. Petersburgh City Tour

Start your day with a delectable breakfast and today is your day to get close to the city and know it even better. Your tour will start with a visit to the Smolny Convent which is located on the bank of a river, consists of a cathedral. The Saint Isaac’s Cathedral is yet another attraction that you will get to visit on your tour. On your way, you will find a Quay that consists of two ancient Sphinxes that were brought from Egypt. Click some amazing pictures on the Anichkov Bridge which is the most famous bridge across the Fontanka River. Pay a visit to the gleaming mosaics and marble lines that are richly decorated. Later in the evening return to the hotel for a comfortable sleep.

Day 05 : Departure

After breakfast check out from hotel, transfer to airport to catch the flight towards your onward destination.

• Return Air tickets
• Airport Transfers Private
• Accommodation
• 2N Stay at Hotel Holiday Inn Moscow or Similar
• 2N Stay at Hotel Novotel Saint Petersburg or Similar
• Daily Breakfast
• Sightseeing
• Moscow city tour
• Saint Petersburg city tour
• Train ticket from Moscow to Saint Petersburg
• Private Transfers
• Private Tours
• Personal Expenses
• Any tours or activities not part of the package
• Any Meals or drinks not part of the package
• Early Check in- Late Check out

Terms & Conditions

• Rates are subject to availability.
• Above is just a quote, no booking made yet.
• Peak season surcharges may apply on some dates.
• Itinerary is subject to change / swap without any prior notice
• There will not be any refund for any unutilised service or sightseeing
• In case of unavailability in mentioned hotels, alternate accommodation will be arranged in a similar category hotel.
• Any meals and services unless mentioned in the itinerary are not included You are fully responsible for verifying and obtaining the documents requiredfor your trip and visa
• Check In to the hotel is always 1400/1500 hours & Check Out is always 1100/ 1200 Hours. Early Check in and late checkout is subject to availabilityunless & otherwise specified in the inclusion column
• City Tax be paid directly at the Hotel Tours are based on tour Departure points

01 March 2022 to 30 April 2023

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