Mass_HNW_NRG_Grey_GreyLine_Inset_NoMask_CMYK
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Travel Accident Insurance .............................. 1
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Auto Rental Collision/Loss Damage Waiver Insurance ....7
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Trip Cancellation & Trip Interruption Insurance .........14
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Delayed Baggage and Flight Delay Insurance ...........22
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Hotel/Motel Burglary Insurance ........................26
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Purchase Security & Extended Warranty Insurance .....29
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Privacy Notice – RBC Insurance Company of Canada ....34
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Privacy Notice – Aviva General Insurance Company .....36
IOTT — PS R: These Certificates of Insurance are a valuable source of
information and contain provisions that may limit or exclude coverage. Please read these
Certificates of Insurance and keep them in a safe place.
RBC
®
Avion
®
Visa
‡
Business
Certificate of Insurance
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Travel Accident Insurance
Certificate of Insurance
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 RBC Insurance Company of Canada. This Certificate of
Insurance contains the terms and conditions of this group insurance policy.
How to obtain assistance
RBC Insurance Company of Canada has appointed AZGA Service Canada Inc. (operating as “Allianz Global
Assistance”) as the provider of all assistance and claims services under this Certificate of Insurance.
If you require assistance or have questions about your coverage, you can contact us by calling:
1-800-533-2778 toll-free from the US & Canada or
905-816-2581 collect from anywhere in the world.
Important notice – please read carefully
Travel Accident Insurance is designed to cover losses arising from sudden and unforeseeable
circumstances. It is important that you read and understand your insurance before you
travel as your coverage may be subject to certain limitations or exclusions.
WT T POVC RGTOS WT YOU TO KOW
This Certificate of Insurance contains a provision removing or restricting the right of the insured to
designate persons to whom or for whose benefit insurance money is to be payable.
Helpful information
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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.
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Please consult the list of specific losses covered under the “Specific loss indemnity” section herein.
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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 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 Avion Visa Business 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
Business 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 Business 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
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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 any of the following:
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the applicant;
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the applicant’s spouse;
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the applicant’s dependent child who travels with or joins the applicant or applicant’s spouse on the
same trip; and/or
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an additional cardholder. (Note: An additional cardholder is a covered person in his/her own right. The
spouse and/or dependent child of an additional cardholder is/are not eligible for this insurance, unless
they are otherwise covered as described above.)
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:
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under twenty-one (21) years of age; or
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under twenty-six (26) years of age if he/she is a full-time student; or
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a child of any age who is mentally or physically disabled.
Family member(s) means your spouse, a dependent child, parents, stepparents, grandparents, grandchildren,
in-laws, brothers, sisters, stepbrothers and stepsisters.
Hospital means an institution that is licensed as an accredited hospital that is staffed and operated for the
care and treatment of in-patients and out-patients. Treatment must be supervised by physicians and there
must be registered nurses on duty 24 hours a day. Diagnostic and surgical capabilities must also exist on the
premises or in facilities controlled by the establishment. A hospital is not an establishment used mainly as
a clinic, extended or palliative care facility, rehabilitation facility, addiction treatment centre, convalescent,
rest or nursing home, home for the aged or health spa.
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:
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loss of a hand or a foot means the total and irrevocable loss of use including the wrist joint and the ankle
joint;
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with regard to eyes, total and irrecoverable loss of sight;
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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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loss 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;
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with regard to speech and hearing, total and irrecoverable loss;
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loss 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;
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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 and the
Canadian Military need not satisfy this requirement.
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Physician means a person who is not you or a member of your immediate family or your traveling
companion, who is licensed in the jurisdiction where the services are provided to prescribe and administer
medical treatment.
Spouse means the person who is legally married to you, or has been living in a conjugal relationship with
you for a continuous period of at least one year, and who resides in the same household as you.
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 with the RBC Avion Visa Business card and/or Avion points.
We, us and our refer to RBC Insurance Company of Canada and/or Allianz Global Assistance providing
services under this Certificate of Insurance.
When does coverage begin and end?
This Certificate of Insurance provides coverage whenever you have paid for your trip on a common carrier
with your RBC Avion Visa Business card and/or Avion points, prior to any injury resulting in any loss for
which a claim is made under this Policy. If only a partial payment was made with Avion points, the balance
must have been paid with your RBC Avion Visa Business card for this Certificate of Insurance to be effective.
Coverage begins on the date you leave your province or territory of residence on your trip.
Coverage ends, individually for each covered person, at the earliest of:
1. The date you or the Royal Bank cancels your RBC Avion Visa Business card account; or
2. The date your RBC Avion Visa Business card account is sixty (60) days past due. However coverage is
automatically reinstated when the account is returned to good standing; or
3. The date the group insurance policy is cancelled by us or Royal Bank. However, such termination of
coverage shall not apply to trips charged to your account prior to the cancellation date of the group
insurance policy; or
4. The date when coverage is no longer in force as described in the section “What is Covered and What are
the Benefits?”.
What is covered and what are the benefits?
What is covered?
When you have paid for the full transportation fare for your trip with your RBC Avion Visa Business card and/
or Avion points prior to commencing your trip, this Certificate of Insurance provides a benefit for any injury
sustained by you as a result of an accident which occurs during your trip while you are:
1. Travelling as a passenger in, on, boarding or disembarking from the common carrier which is providing
the transportation or alternate transportation for your trip;
2. Travelling as a passenger in, on, boarding or disembarking from the common carrier which is providing
the transportation or alternate transportation, including complementary transportation for this
situation only, directly to or from a terminal, station, pier or airport either:
a. Immediately preceding a scheduled departure of the common carrier during your trip; or
b. Immediately following a scheduled arrival of the common carrier during your trip;
3. Travelling as a passenger in the terminal, station, pier or airport prior to or after boarding or disembarking
from a common carrier which is providing the transportation or alternate transportation to you as a
passenger.
What are the benefits?
A. Specific loss indemnity
When a covered person suffers an injury resulting in any of the following losses within three hundred and
sixty-five (365) days of the date of the accident, we will pay the following maximum amount for:
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Loss of:
Indemnity:
Life $500,000
Both hands or both feet $500,000
Total sight in both eyes $500,000
One hand and one foot $500,000
One hand or one foot and total sight in one eye $500,000
Speech and hearing $500,000
One leg or one arm $375,000
One hand or one foot $333,300
Speech or hearing $333,300
Total sight in one eye $333,300
Thumb and index finger of the same hand $166,650
One finger or one toe $50,000
Loss of use of:
Indemnity:
Both upper and lower limbs (quadriplegia) $500,000
Both lower limbs (paraplegia) $500,000
Upper and lower limbs of one side of the body (hemiplegia) $500,000
B. Rehabilitation
When injuries result in a payment being made under the “Specific loss indemnity” section (Benefit A), an
additional amount would be payable to you by us 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.
C. Family member transportation
When you are confined as an inpatient in a hospital for injuries that result in a payable loss under this
Certificate of Insurance 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, we 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.
What is not covered?
Exclusions
This Certificate of Insurance does not cover any loss, fatal or non-fatal, caused by or related to:
1. Your self-inflicted injury, suicide or attempt to commit suicide.
2. An act of war whether declared or undeclared, rebellion, exposure to nuclear reaction or radiation, or
radioactive, biological or chemical contamination.
3. Your or your beneficiary’s involvement in the commission or attempted commission of a criminal
offence or illegal act.
4. Your active full-time service in the armed forces of any country or participation in any military
manoeuvre or training exercise.
5. Riding onboard a common carrier with a status other than passenger.
6. Any accident arising from, or in any way related to, your chronic use or abuse of alcohol or drugs,
including prescription or illegal drugs, or deliberate non-compliance with prescribed medical therapy
or treatment whether prior to or during your trip.
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7. Sickness or disease, even if the cause of its activation or reactivation is an accident.
8. Ionising 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.
9. Contamination due to any act of terrorism.
10. Terrorism.
Limitations
1. If, as a result of an accident, you sustain injuries resulting in multiple losses, the maximum indemnity we
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, we will determine which benefits you are entitled to, if applicable, when
you regain consciousness.
What should you do if you have a claim?
If you call us at the time of the loss as shown under “How to Obtain Assistance,” you will receive the
necessary claims assistance.
We will then send you the document(s) you will need to fill out in order to submit a claim and indicate
to you which additional document(s) or information is also required for your claim to be reviewed.
(Please Note: a legal guardian must complete the claim process on behalf of a covered person under
the age of eighteen (18) who resides in Quebec or under the age of sixteen (16) who resides in the
rest of Canada.)
In certain circumstances, we may require that you fill out a consent form in order to give:
a. your consent to verify your health card number and other information required to process your claim,
with the relevant government and other authorities;
b. your authorization to physicians, hospitals and other medical providers to provide us any and all
information they have regarding you while under observation or treatment, including your medical
history, diagnoses and test results; and
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.
Submission of claims can be made to:
RBC Insurance Company of Canada Claims
c/o Allianz Global Assistance
P.O. Box 277
Waterloo, ON N2J 4A4
1-800-464-3211
You must provide notice of your claim within thirty (30) days of the date the claim arises.
You must submit the information required for your claim within ninety (90) days of the date the claim arises.
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 the claim arises or such other time period as may be permitted by your applicable
provincial/territorial legislation or your claim may not be reviewed.
If your claim is approved, payment will be made within sixty (60) days of receipt of all of the required
information.
How to file a complaint?
The complete process to file a complaint with RBC Insurance Company of Canada can be accessed on the
RBC Insurance Company of Canada public website at www.rbcinsurance.com under “Make a Complaint” at
https://www.rbc.com/customercare/index.html.
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Other claim information
You may only commence a legal action in the province or territory where the Certificate of Insurance was
issued. You, your heirs, and your assigns consent to the transfer of any legal action to the province or
territory where the Certificate of Insurance was issued.
Examination and autopsy
We, at our own expense, shall have the right and opportunity to examine the person of any covered person
whose injury is the basis of a claim when and so often as it may reasonably require during the review of a
claim, and also the right and opportunity to make an autopsy in the case of death where it is not forbidden
by law.
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 us. 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 us prior to the receipt of such
designation or change shall fully discharge us to the extent of such payment.
Legal actions
No action at law or in equity shall be brought to recover on this Certificate of Insurance prior to the
expiration of sixty (60) days after the written proof of loss has been furnished in accordance with the
previous section “What to do if you have a claim”. No such action shall be brought after the expiration of
three (3) years from the decision on your claim by us.
What other terms should you know about?
1. All payments shall be payable in the lawful currency of Canada. All benefit limits indicated are in
Canadian currency. 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, we may
take action against the third party. You agree to cooperate fully with us or our agents and to allow us or
our agents, at our 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 us 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. We may, at our discretion, void this Certificate of Insurance in the case of fraud or attempted fraud by
you, your family or others acting on your behalf, or if you conceal or misrepresent any material fact or
circumstance concerning this insurance contract.
7. You have the right to request a copy of the policy of group insurance.
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
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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.
Auto Rental Collision/Loss Damage Waiver Insurance
Certificate of Insurance
Introduction
Aviva General Insurance Company (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 Waiver.
All covered persons are clients of the Insurer.
This coverage may be changed at the Insurer’s option at any time with notice.
This Certificate of Insurance outlines what Auto Rental Collision/Loss Damage Waiver Insurance (“CDW”) is
and what is covered along with the conditions under which a claim payment will be made when a cardholder
rents and operates a rental vehicle but does not accept the rental agency’s CDW or an equivalent offered
by a rental agency.
How to obtain assistance
AZGA Service Canada Inc. (operating as “Allianz Global Assistance”) is the provider of all assistance services
under this Certificate of Insurance.
If you require assistance or have questions about your coverage, call:
1-800-533-2778 toll-free from the continental United States and Canada, or
905-816-2581 collect from anywhere else in the world.
Helpful information about Auto Rental
Collision/Loss Damage Waiver Insurance
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This Certificate of Insurance does not cover third party liability coverage. Check with your personal
automobile insurer and the rental agency to ensure that you and all other drivers have adequate third
party liability, personal injury and damage to property coverage.
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This insurance is provided only after:
– you initiate the rental transaction with your RBC Avion Visa Business card by booking or reserving
the rental vehicle with your RBC Avion Visa Business card;
– you present in person at the rental agency;
– the rental agreement is executed at the rental agency with your RBC Avion Visa Business card; and
– the full cost of the vehicle rental agreement including taxes and fees issued by a rental agency is
paid with your RBC Avion Visa Business card and/or Avion points. If only a partial payment is made
using Avion points, the entire balance of that rental vehicle must be paid using your RBC Avion Visa
Business card in order to be covered.
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The length of time you rent the same rental vehicle and/or a different rental 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 must 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 rental vehicle or another rental vehicle.
Refer to “When Does Coverage Begin and End” for full details.
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If the covered person accepts the rental agency’s CDW option or its equivalent, or if there is no option
available to decline this coverage, this Certificate of Insurance will only cover up to the deductible as
stipulated in the rental agency’s CDW or similar provision. Further, the cost incurred of accepting the
rental agency’s option is not a covered expense.
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Coverage is limited to one (1) rental vehicle at a time. If during the same period there is more than one
(1) rental vehicle rented by a (same) covered person, only the first rental vehicle will be eligible for
coverage.
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Many rental vehicles are eligible for coverage, but there are some exclusions. (A list of vehicles excluded
from this coverage is outlined in the section “What is not covered?”)
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Any vehicle with a Manufacturer’s Suggested Retail Price (MSRP), excluding all taxes, over sixty-five
thousand dollars Canadian ($65,000 CDN) is not covered. Please check the MSRP of any rental vehicle
before you rent.
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Pick-up trucks are one of the vehicles not covered. Be aware that a rental agency may switch your rental
vehicle for another rental vehicle such as a pick-up truck or other excluded vehicles if cars or SUVs are
out of stock when you arrive at the rental agency, and we recommend you purchase the rental agency’s
CDW coverage.
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Check the rental vehicle carefully for any damage including scratches or dents before you take the rental
vehicle from the rental agency and after you return the rental vehicle to the rental agency. Be sure to
point out where any scratches, dents or other damage is located to a rental agency representative. Note:
If a rental vehicle is through car sharing, you must examine the rental vehicle as above, take pictures,
and report the damage immediately to the rental agency before taking the rental vehicle.
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Claims must be reported within forty-eight (48) hours of the loss/damage occurring by calling
1-855-603-5568 (toll-free and/or collect). Do not delay reporting to us within forty-eight (48) hours
even if you do not have all the information and/or documents required.
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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. You must report a claim to the Insurer by following
the procedures outlined herein under “What should you do if you have a claim?” and inform the rental
agency of the loss and/or damage.
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You must obtain a police report when an accident takes place or if the rental vehicle is vandalized or
stolen. If a police report is not legally required in the jurisdiction in which such loss and/or damage
occurred, then the name, badge number and division address of the police officer you contacted must
be obtained and provided to the Insurer.
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All dollar amounts referred to in this Certificate of Insurance are stated in Canadian currency.
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It is important that you read and understand your Certificate of Insurance as your coverage is subject to
the terms, conditions, limitations and exclusions contained in this Certificate of Insurance.
Definitions
Throughout this document, all italicized terms have the specific meaning explained below.
Actual cash value means the reasonable determination of the value of the rental vehicle at the time of loss.
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 Business 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 Business 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 corporately owned car rental entity, including franchises, that provides its members
and/or customers with twenty-four (24)-hour access to a fleet of their rental vehicles parked in a convenient
location.
Co-applicant means a person who has signed and/or submitted an application for an RBC Avion
Visa Business card as the co-applicant, and to whom a card has been issued. A co-applicant must be a
permanent resident of Canada.
Coverage period means the length of time you rent the same rental vehicle and/or another rental vehicle
and:
(i) this must not exceed forty-eight (48) consecutive days, where each day must follow one immediately
after the other;
(ii) If you need to have the rental vehicle beyond the forty-eight (48) consecutive day limit, a full calendar
date between rentals must exist in order to break the forty-eight (48) consecutive day cycle;
(iii) rentals cannot be extended for more than forty-eight (48) days by renewing or taking out a new rental
agreement with the same or another rental agency for the same or another vehicle.
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”. All covered persons must be permanent residents of Canada.
2. You and all drivers who are permitted by you to operate the rental vehicle must qualify under and follow
the terms of the rental agreement and must be legally licensed and permitted to operate the rental
vehicle by themselves under the laws of the jurisdiction in which the rental vehicle shall be used.
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Loss of use means the reasonable 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 coverage 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 is used exclusively for the transportation of passengers and their luggage.
Peer to Peer Vehicle Rental is the process whereby existing car owners make their personally owned
vehicles available for others to rent for short periods of time.
Permanent resident means a person who resides in Canada for at least six (6) months of the year and
must have valid Canadian Driver’s Licence. However, individuals otherwise eligible for coverage who are
members of the Canadian Foreign Service and the Canadian Military 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 term ‘rental
agency’ refers to both traditional vehicle rental agencies and car sharing rental entities.
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 rental vehicle is
damaged or stolen while under rental agreement. The rental agency’s CDW is not insurance.
Rental agreement means the rental agency’s agreement that you sign detailing and outlining the terms and
conditions permitting you to rent a rental vehicle.
Rental vehicle means a vehicle you rent from a rental agency that is covered under this Certificate of
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.
Valid towing means the towing of the rental vehicle by a licensed towing company due to an incident
causing damage for valid, reasonable and customary costs, including storage, which conform to the local
applicable laws and by-laws.
When does coverage begin and end?
Coverage begins when you take possession of the rental vehicle, provided:
1. You present in person at the rental agency, initiate the rental transaction with your RBC Avion Visa
Business card by booking or reserving the rental vehicle with that card, and provide your RBC Avion Visa
Business card for authorization before you take possession of the rental vehicle, indicating the entire
cost of the rental, including all applicable taxes and fees, from the rental agency is to be charged to your
RBC Avion Visa Business card. You may use your Avion points to pay for the entire cost of the rental,
including all applicable taxes and fees, from a rental agency. If only a partial payment is made using
Avion points, the remaining balance of that rental, including applicable taxes and fees, must be paid
using your RBC Avion Visa Business card in order to be covered.
2. You use your RBC Avion Visa Business card to fully pay for a car sharing rental vehicle.
3. You decline the rental agency’s CDW option or similar coverage offered by the rental agency on the
rental agreement. If there is no space on the vehicle rental agreement for you to indicate that you
have declined the coverage, then indicate in writing on the contract “I decline CDW provided by this
merchant.” Note: if there is no option available to decline this coverage, this Certificate of Insurance will
only cover up to the deductible as stipulated in the rental agency’s CDW or similar provision.
Coverage ends individually, for each covered person, on the earliest of:
1. The date and time the rental agency reassumes control of the rental vehicle; or
2. The date upon which your rental vehicle is not within the coverage period; or
3. The date you or the Royal Bank cancels your RBC Avion Visa Business account; or
4. The date your RBC Avion Visa Business account is sixty (60) days past due. However, coverage is
automatically reinstated when the account is returned to good standing; 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 rental vehicle arrangements charged to your RBC Avion Visa Business card
prior to the cancellation date of the group insurance policy.
10
What is covered and what are the benefits?
When you pay for the entire cost of the rental vehicle using your RBC Avion Visa Business card and/or
Avion points, this Certificate of Insurance covers you and your responsibilities to a rental agency as stated
in the rental agreement for loss or damages up to the actual cash value of the damaged or stolen rental
vehicle, as well as valid towing charges, storage, loss of use charges and up to a fifty dollar ($50) rental
agency administration charge, subject to the terms, conditions, limitations and exclusions described in this
Certificate of Insurance.
If you decide to purchase the rental agency’s CDW option or similar coverage, then this Certificate of
Insurance will only cover your deductible in the event of a claim subject to all terms, conditions, limitations
and exclusions. Furthermore, the cost incurred of accepting the rental agency’s CDW option is not a covered
expense.
This insurance coverage is available on a twenty-four (24)-hour basis and applicable worldwide where
permitted by law or under the terms of the rental contract
This coverage is primary insurance, except if the covered person decides to purchase the rental agency’s
CDW option or its equivalent, or where the applicable government insurance legislation states otherwise.
The following types of rental vehicles are covered:
n
All cars, sport utility vehicles, and mini-vans except those listed in the section “What is not covered?”
Also, you are covered if:
n
the rental vehicle is part of a prepaid travel package, provided the total travel package was fully paid by
your RBC Avion Visa Business card and/or Avion points;
n
you receive a “free rental” as a result of a promotion where you have had to make previous vehicle
rentals and if each such previous rental was entirely paid for with your RBC Avion Visa Business card
and/or Avion points;
n
you receive a “free rental” day(s) as a result of an RBC Avion points program for the number of days of
free rental. If the free rental day(s) are combined with rental days for which you pay the negotiated rate,
this entire balance payable must be paid with your RBC Avion Visa Business card and/or Avion points.
What is not covered?
This insurance will not pay for any loss, damage and/or expenses incurred directly or indirectly as a result of:
1. A replacement vehicle for which your personal automobile insurance, other insurer or other party is
covering all or part of the cost of the rental vehicle;
2. Third party liability (which means you injure someone else or damage their property in a motor vehicle
accident);
3. Personal injury;
4. Property loss or damage (except the rental vehicle itself or its equipment);
5. Fees charged to you by the rental agency that are not directly as a result of an incident including late
return, unauthorized return location, cleaning fees, fuel charges, mileage charges, redemption, or
similar;
6. The operation of the rental vehicle at any time during which any covered person is driving while
intoxicated or under the influence of any intoxicating substances such as alcohol or a narcotic or
prescribed medications (if advised not to operate a vehicle by a medical practitioner);
7. The charging of a covered person for any Criminal Code offence relating to the operation, care and/or
control of the rental vehicle or any similar offence under any law;
8. Any dishonest, fraudulent or attempted fraud, criminal act, misrepresentation or concealment of any
material fact by any covered person or by anyone at their discretion;
9. Wear and tear, gradual deterioration, pre-existing damage or mechanical or electrical breakdown or
failure, clutch damage, product recall, strikes, lockouts inherent vice or damage, insects or vermin or
similar;
10. The coverage being precluded by law and where the coverage is in violation of the terms of the rental
agreement in the jurisdiction in which it was formed (other than under “What is not covered?” #11 (i), (ii)
or (iii));
11
11. Operation of the rental vehicle in violation of the terms of the rental agreement except where:
a. there is a covered person operating the rental vehicle;
b. the rental vehicle is driven on publicly maintained gravel roads;
c. the rental vehicle is driven across the Canada and U.S. border or across provincial and/or state
boundaries.
12. Seizure or destruction under a quarantine, customs regulations or confiscation or emergency measures
by government order or public authority;
13. Transportation of contraband or illegal trade or similar;
14. War, hostile or warlike action, insurrection, rebellion, revolution, riot, terrorism, civil unrest, civil war,
usurped power, or any action taken by government or public authority in hindering, combating or
defending against such action;
15. Transportation of property and/or goods, and/or transporting passengers for hire;
16. Solar flare, nuclear reaction, nuclear radiation, nuclear materials or radioactive contamination;
17. Intentional damage to the rental vehicle by a covered person or by someone at their direction;
18. Expenses and/or costs related to diminished value of the rental vehicle and consequential or incidental
loss and/or damage including cleaning fee, taxis, hotels or lost business.
19. You use the rental vehicle for racing, speed tests or on a race track.
20. The following are not ‘rental agencies’ under this certificate:
a. car dealerships, and;
b. peer-to-peer vehicle rental car sharing companies in the business of making available car rentals
through digital networks or other electronic means for the general public.
The following vehicles are NOT covered:
1. Vans, cargo vans, cube vans or mini cargo vans (other than mini-vans);
2. Trucks, pick-up trucks and/or any vehicle that can be spontaneously reconfigured into a pickup truck;
3. Vehicles that are not solely for personal use including Uber, Lyft, commercial use or delivery services, or
similar;
4. Limousines;
5. Vehicles off-road unless used to ingress and egress private property;
6. Vehicles used on roads that are not publicly maintained roads and/or flooded or blocked roads or similar;
7. Motorcycles, mopeds, scooters or motorized bikes or similar;
8. Trailers, campers, recreational vehicles, all-terrain vehicles (ATVs), dune buggies, tractors,
snowmobiles, golf carts and/or vehicles not licensed for road use, and/or vehicles used for towing or
propelling trailers, campers and/or any other object;
9. Mini-buses or buses;
10. Any vehicle that had a Manufacturer’s Suggested Retail Price (MSRP), excluding all taxes, over sixty-five
thousand dollars Canadian ($65,000 CDN) in its model year;
11. Exotic vehicles, meaning vehicles such as Aston Martin, Bentley, Bricklin, Daimler, DeLorean, Excalibur,
Ferrari, Jensen, Lamborghini, Lotus, Maserati, Porsche, Rolls Royce or similar, and/or any vehicle which
is either wholly or in part hand-made, hand finished, kit cars, and/or has a limited production of under
two thousand five hundred (2,500) vehicles per year;
12. Antique, vintage or classic vehicles, meaning a vehicle over twenty (20) years old or which has not been
manufactured for ten (10) years or more;
13. Tax-free cars.
Note: Luxury vehicles, including but not limited to BMW, Cadillac, Lincoln and Mercedes Benz, are covered
as long as they are not otherwise excluded under this Certificate of Insurance.
What should you do if you have a claim?
In the event of loss/damage to your rental vehicle, call 1-855-603-5568 (toll free and/or collect) within
forty-eight (48) hours if you are in Canada or the United States.
The representative will answer your questions and send you a letter outlining the required documents to
support your claim.
12
As you are the covered person and renter of the rental vehicle, you must report your claim to the Insurer.
You must notify the rental agency and obtain consent prior to completing any repairs on your own. You must
report all accidents, including single vehicle incidents, and thefts to the police.
Once you contact the Insurer about your claim, the Insurer will complete your initial claims report by
obtaining what information is available. It is important to note that you remain responsible for the loss/
damage claim and you may be contacted in the future to answer inquiries resulting from the claims process
including providing original documentation or other information. The rental agent may fax any required
documentation toll-free if they are in Canada or the United States to 1-866-804-2228.
Elsewhere the fax number is (905) 813-4791 (collect), or you can send it by email. If you have any questions,
please call the number provided above.
You must report the claim within forty-eight (48) hours of the loss/damage having occurred. Your claim
must be submitted with as much documentation as possible, as requested below, within forty-five (45) days
of discovering the loss/damage. You will need to provide all documentation within ninety (90) days of the
date of loss or damage to the claims administrator at the address provided below.
For your claim to be reviewed, you must submit the following original documentation, as applicable:
n
your RBC credit card statement and/or receipt showing that the rental was paid in full with your RBC
Avion Visa Business card and/or Avion points;
n
a copy of your invoice showing all prepaid expenses (prepaid rental car payment);
n
a copy of your receipt showing the amount of Avion points redeemed;
n
a copy of your previous rental agreements resulting in a free rental;
n
copies of the open and closed vehicle rental agreement (front and back including the rental agency’s
terms and conditions);
n
the accident or damage report;
n
photographs of the rental vehicle’s damage including plates and VIN #;
n
the itemized repair bill, or if not available, a copy of the detailed estimate of repairs;
n
the receipt for paid repairs;
n
the police report, when available; if a police report is not legally required in the jurisdiction in which
such loss and/or damage occurred, then the name, badge number and division address of the police
officer you contacted must be obtained and provided;
n
a copy of your billing statement if any repair charges were billed to your account;
n
a copy of your credit card statement or billing indicating the deductible amount (if you have purchased
the rental agency’s CDW or similar coverage); and
n
any other relevant information and/or documentation reasonably required by the Insurer to settle the
claim.
Forward this documentation to:
Aviva General Insurance Company
Attention: Auto Rental Collision Damage
10 Aviva Way, Suite 10
Markham, ON L6G 0G1
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 a 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 under this Certificate of Insurance.
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How to file a complaint?
The complete process to file a complaint with Aviva can be accessed at aviva.ca/en/about-aviva/contact-
us/customer-concerns-and-complaints/.
Other claim information
You may only commence a legal action in the province or territory where the Certificate of Insurance was
issued. You, your heirs and your assigns consent to the transfer of any legal action to the province or territory
where the Certificate of Insurance was issued.
What other terms should you know about?
1. Only the covered person may rent a vehicle and may decide to decline the rental agency’s CDW or an
equivalent alternative coverage offering. This coverage applies only to the covered person’s personal
and business use of the rental vehicle provided the covered person uses their RBC Avion Visa Business
card to secure the rental vehicle before taking possession of the rental vehicle.
2. Coverage is limited to one (1) rental vehicle at a time; i.e. if during the same period there is more than
one (1) vehicle rented by the covered person, only the first rental will be eligible for coverage.
3. If you make a claim knowing it to be false or fraudulent in any respect, you will not be entitled to
the coverages under this Certificate of Insurance, nor to the payment of any claim made under this
Certificate of Insurance.
4. The Insurer may, at its discretion, void this insurance contract in the case of fraud, attempted
fraud, misrepresentation or concealment of any material fact by you, or by anyone at your direction
concerning this Certificate of Insurance and/or the rental agency’s rental agreement.
5. You have the right to request a copy of the policy of group insurance.
6. 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.
7. Salvage
a. The covered person, in the event of any loss or damage to the rental vehicle insured under the
Certificate of Insurance, shall take all reasonable steps to prevent further damage to such rental
vehicle, including, if necessary, its removal to prevent damage or further damage.
b. The Insurer shall contribute pro rata towards any reasonable and proper expenses in connection
with steps taken by the covered person and required under sub-condition (a) of this condition
according to the respective interests of the parties.
8. Entry, Control, Abandonment
After a loss of or damage to the rental vehicle, the Insurer has an immediate right of access by
accredited agents sufficient to enable them to survey and examine the rental vehicle, and to make
an estimate of the loss or damage, and, after the rental vehicle has been secured, a further right of
access sufficient to enable them to make an appraisal or particular estimate of the loss or damage, but
the Insurer is not entitled to the control or possession of the rental vehicle, and without the Insurer’s
consent there can be no abandonment of the rental vehicle.
9. Appraisal
In the event of disagreement as to the value of the rental vehicle, or the amount of the loss, those
questions shall be determined by appraisal as provided under The Insurance Act before there can be
any recovery under this Certificate of Insurance, whether the right to recover is disputed or not, and
independently of all other questions. There shall be no right to an appraisal until a specific demand is
made in writing and until all required documentation has been delivered.
10. Arbitration
Any and all disputes relating to this Certificate of Insurance, including disputes over claims, shall be
resolved by arbitration. Before demanding arbitration both the Insurer or you or the rental agency
shall attempt to resolve our differences during the thirty (30) day period after the dispute first arose.
If after such thirty (30) day period there is still disagreement, such dispute shall be referred to a single
arbitrator who shall either be a lawyer agreed upon by the Insurer or you or the rental agency, or failing
agreement, a person appointed by a judge of the Superior Court of Justice of Ontario, or equivalent
14
judiciary in jurisdictions other than Ontario, upon the application of either the Insurer or you or the
rental agency. To the extent they do not conflict with the express provisions of this Certificate of
Insurance, the provisions of any applicable Ontario arbitration statutes or acts, or equivalent statutes
or acts in jurisdictions other than Ontario, and any amendments thereto shall apply to any arbitration
held pursuant to this Certificate of Insurance, and the arbitrator shall have jurisdiction to do all acts and
make such orders as provided therein. All disputes shall be decided under the governing judicial laws
of the province or jurisdiction where the dispute arose. The costs of the arbitrator shall be paid in full
by the party against whom the decision is made. If the decision is not clearly made against the Insurer
or you or the rental agency, the arbitrator shall have the power to apportion costs between you and the
Insurer and the rental agency.
11. Subrogation
The Insurer will be permitted to bring proceedings in your name, at their expense, to recover for their
benefit the amount of any claim payments made under this Certificate of Insurance, including their
costs and expenses. The Insurer shall be entitled to exercise your rights and remedies and you shall give
all the help in your power as the Insurer may want.
12. Right of Recovery
If you have rights to recover all or part of any amount covered by this Certificate of Insurance from any
other source, those rights are assigned to the Insurer. You must do nothing after a claim to worsen the
Insurer rights of recovery. At the Insurer’s request, you will bring legal action or transfer your rights of
recovery to the Insurer and help the Insurer enforce them, should the Insurer so choose.
Trip Cancellation & Trip Interruption Insurance
Certificate of Insurance
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 losses related to Trip Cancellation and group insurance policy
U
-
1014453-A to Royal Bank of Canada (“Royal Bank”) to cover losses related to Trip Interruption. All covered
persons are clients of RBC Insurance Company of Canada. This Certificate of Insurance contains the terms
and conditions of these group insurance policies.
How to obtain assistance
RBC Insurance Company of Canada has appointed AZGA Service Canada Inc. (operating as “Allianz Global
Assistance”) as the provider of all assistance and claims services under this Certificate of Insurance.
If you require assistance or have questions about your coverage, you can contact us by calling:
1-800-533-2778 toll-free from the US & Canada or
905-816-2581 collect from anywhere in the world.
Trip Cancellation/Trip Interruption Insurance will reimburse only the cancellation penalties in effect at the
time of the cause of cancellation or interruption.
n
When the cause of cancellation occurs before the scheduled departure from the departure point, and
while coverage is in effect, you must cancel your trip through your travel agent, airline, tour company,
carrier or travel authority immediately, but no later than the next business day following the cause of
cancellation. You must also call us immediately.
n
When you are forced to interrupt or discontinue your trip due to one of the covered reasons, and while
coverage is in effect, you must call us immediately.
15
Important notice – please read carefully
n
Travel insurance is designed to cover losses arising from sudden and unforeseeable
circumstances. It is important that you read and understand your insurance before you travel
as your coverage may be subject to certain limitations or exclusions.
n
A pre-existing medical condition exclusion applies to medical conditions and/or symptoms that
existed prior to your effective date. Check to see how this applies to your insurance and how it
relates to your effective date.
n
In the event of an accident, injury or sickness, your prior medical history may be reviewed when
a claim is reported.
Helpful information about Trip Cancellation/
Trip Interruption Insurance
n
The maximum amount covered under the Trip Cancellation Insurance for each covered person is $1,500
per trip to an overall maximum of $5,000.
n
The maximum amount covered under the Trip Cancellation Insurance for a dependent child aged 16-25
travelling on their own is $1,500 per trip.
n
The maximum amount covered under the Trip Cancellation Insurance for each additional cardholder is
$1,500 per trip.
n
The maximum amount covered under Trip Interruption Insurance for each covered person is $5,000 per
trip to an overall maximum of $25,000.
n
If you need to top up your RBC Avion Visa Business card coverage beyond the maximum amount offered
on your card, contact the Enrollment Center at 1-866-292-5233 (toll free from USA or Canada) or
905-816-2577 (collect call from anywhere).
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 Business 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 Business 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 Business card and/or equivalent Avion points.
Co-applicant means a person who has signed and/or submitted an application for an RBC Avion
Visa Business 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 any of the following:
n
the applicant;
n
the applicant’s spouse;
n
the applicant’s dependent child who travels with or joins the applicant or 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); and/or
n
an additional cardholder. (Note: An additional cardholder is a covered person in his/her own right. The
spouse and/or dependent child of an additional cardholder is/are not eligible for this insurance, unless
they are otherwise covered as described above.)
A covered person may be referred to as “you” or “your” or “yourself”. All covered persons must be permanent
residents of Canada.
16
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.
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
a child of any age who is mentally or physically disabled.
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 Business card and/or Avion points.
Emergency means a sudden and unforeseen medical condition that requires immediate treatment.
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 institution that is licensed as an accredited hospital that is staffed and operated for the
care and treatment of in-patients and out-patients. Treatment must be supervised by physicians and there
must be registered nurses on duty 24 hours a day. Diagnostic and surgical capabilities must also exist on the
premises or in facilities controlled by the establishment. A hospital is not an establishment used mainly as
a clinic, extended or palliative care facility, rehabilitation facility, addiction treatment centre, convalescent,
rest or nursing home, home for the aged or health spa.
Key employee means an employee whose continued presence is critical to the ongoing affairs of the
business during your absence.
Medical condition means any disease, illness or injury (including symptoms of undiagnosed conditions).
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 and the
Canadian Military need not satisfy this requirement.
Physician means a person who is not you or a member of your immediate family or your traveling
companion, who is licensed in the jurisdiction where the services are provided to prescribe and administer
medical treatment.
Pre-existing medical condition means any medical condition that exists prior to your effective date.
Prescription drug means a drug or medicine that can only be issued upon the prescription of a licensed
physician or dentist and is dispensed by a licensed pharmacist. Prescription drug does not mean such drug
or medicine you need (or renew) to continue to stabilize a condition which you had before your trip or a
chronic condition.
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 for a continuous period of at least one year and who resides in the same household as you.
Stable means any medical condition that is considered stable when all of the following statements are true:
n
there has not been any new treatment prescribed or recommended, or change(s) to existing treatment
(including a stoppage in treatment), and
n
there has not been any change to any existing prescribed drug (including an increase, decrease, or
stoppage to prescribed dosage), or any recommendation or starting of a new prescription drug, and
n
the medical condition has not become worse, and
n
there has not been any new, more frequent or more severe symptoms, and
n
there has been no hospitalization or referral to a specialist, and
n
there have not been any tests, investigation or treatment recommended, but not yet complete, nor any
outstanding test results, and
n
there is no planned or pending treatment.
All of the above conditions must be met for a medical condition to be considered stable.
Travelling companion means the person who is sharing travel arrangements with you, to a maximum of
three (3) persons.
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Treat, treated, treatment means a procedure prescribed, performed or recommended by a physician for
a medical condition. This includes but is not limited to prescribed medication, investigative testing and
surgery.
Trip means the period of time from your departure date up to and including your scheduled return date, as
shown on your travel documents.
We, us and our refer to RBC Insurance Company of Canada and/or Allianz Global Assistance providing
services under this Certificate of Insurance.
When does coverage begin and end?
This insurance provides coverage whenever prepaid travel, accommodations and recreation arrangements
are paid with your RBC Avion Visa Business card and/or Avion points. If only a partial payment is made using
Avion points, the entire balance of the prepaid travel, accommodations and recreation arrangements must
be paid using your RBC Avion Visa Business card in order to be covered.
Note: If you use credit vouchers/gift certificates or other similar forms of payment, you are not eligible for
Trip Cancellation and Trip Interruption coverage. You may wish to speak to your travel insurance supplier
for insurance coverage.
Coverage starts on your effective date.
Coverage ends, individually for each covered person, on the earliest of:
1. Midnight of your return date; or
2. The date you or the Royal Bank cancels your RBC Avion Visa Business account; or
3. The date your RBC Avion Visa Business account is sixty (60) days past due. However coverage is
automatically reinstated when the account is returned to good standing; or
4. The date the group insurance policy or policies are cancelled by us or Royal Bank. However, such
cancellation of coverage shall not apply to travel arrangements charged to your RBC Avion Visa
Business card prior to the cancellation date of the group insurance policy or policies.
What are the covered amounts?
Under Trip Cancellation Insurance (when a covered reason causes you to cancel your trip BEFORE leaving
your departure point), the maximum amount of coverage for:
a. Each covered person is $1,500 per trip to an overall maximum of $5,000.
b. A dependent child aged 16-25 travelling without the applicant or the applicant’s spouse is $1,500.
c. Each additional cardholder is $1,500.
Note: If the applicant’s spouse or the applicant’s dependent child is also an additional cardholder, the
maximum covered amount for this covered person is the amount listed for an additional cardholder.
Under Trip Interruption Insurance (when a covered reason occurs DURING your trip which causes the
delay of your departure from your departure point, or when a covered reason occurs DURING your trip which
causes an early or late return back to your departure point), the maximum amount payable for each covered
person per trip is $5,000 to an overall maximum of $25,000.
IOTT!
When a cause of cancellation occurs (the event that triggers one of the 13 covered reasons) before your
departure date, you must:
a. Cancel your trip with the travel agent, airline, tour company, carrier or travel authority immediately, but
no later than the business day following the cause of cancellation; and
b. Advise us at the same time.
Our maximum liability is the amounts or portions indicated in your trip contract that are non-refundable at
the time of the cause of cancellation or on the next business day.
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What is covered and what are the benefits?
What are you covered for? What are the benefits?
Covered Reasons
Under Trip
Cancellation
Under Trip
Interruption &
Trip Delay
Medical condition or death
1 Your emergency medical condition or death. Benefit A B & C
♦
♦
or B & D
2 The emergency medical condition or death of your
travelling companion.
Benefit A B & C
or B & D
3 The emergency medical condition or death of your
spouse or your dependent child.
Benefit A B & C
4 The emergency medical condition or death of a
member of your or your travelling companion’s family.
Benefit A B & C
5 Hospitalization or the death of your host at destination,
your legal business partner or a key employee.
Benefit A B & C
Other covered reasons
6 The Government of Canada issues an “Avoid Non-
Essential Travel” or an “Avoid All Travel” travel
advisory after the purchase of your trip advising
or recommending that Canadian residents should
not visit a destination included in your trip. (Note:
not applicable if the reason for the travel advisory
is related to COVID-19 including any mutation or
variation.)
Benefit A B & C
7 A transfer by the employer with whom you or your
spouse is employed on your effective date which
requires the relocation of your principal residence.
Benefit A n/a
8 A delay of your common carrier resulting from 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.
Benefit D Benefit D
9 A natural disaster that renders your principal residence
uninhabitable.
Benefit A B & C
10 Your quarantine or hijacking. Benefit A B & C
11 You being called for jury duty; being subpoenaed as
a witness; or being required to appear as a party in a
judicial proceeding, during your trip.
Benefit A n/a
12 You or your travelling companion being summoned to
service in the case of reservists, active military, police,
essential medical personnel and fire personnel.
Benefit A B & C
13 The legal adoption of a child by you or your 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.
Benefit A B & C
What are the benefits?
Reimbursement to you of the expenses you incur as a result of one (1) of the covered reasons up to the
covered amount for:
A. In the case of cancellation of your trip, the non-refundable portion of your prepaid travel arrangements.
B. In the case of interruption of your trip, the non-refundable unused portion of your prepaid travel
arrangements, excluding the cost of prepaid unused transportation back to your departure point.
19
C. Your economy-class transportation via the most cost-effective route to your departure point. Travel
must be undertaken on the earliest of:
i. The date when your travel is medically possible, and
ii. Within ten (10) days following your originally scheduled return date if your delay is not the result of
hospitalization, or
iii. Within thirty (30) days following your originally scheduled return date if your delay is the result of
hospitalization.
Fly to Bedside or Funeral – Note: If you are required to interrupt your trip to attend a funeral or travel to
the bedside of a hospitalized family member, business partner, or key employee, you have the option to
purchase a ticket to the destination where the death or hospitalization occurred. You will be reimbursed
the cost of the ticket, up to the maximum amount of what it would have cost for one-way economy class
transportation via the most cost-effective route back to your departure point (applicable to covered
reasons #4 and #5).
n
This option is subject to our pre-authorization.
n
This option can only be used once during your trip.
n
If you choose this option, it will replace Benefit C.
D. Your one-way economy airfare via the most cost-effective route to your next destination (inbound and
outbound).
Return of a travelling companion – Should a decision be made by us to transport you to a treatment facility
in your province or territory of residence, we 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.
What is not covered?
Pre-existing medical condition exclusions
When reading the “Pre-existing medical condition exclusions” section, please review the definition of stable.
This insurance does not pay for any expenses incurred directly or indirectly as a result of:
1. Your medical condition or related condition (whether or not the diagnosis has been determined), if at
any time in the ninety (90) days before your effective date, your medical condition or related condition
has not been stable.
2. Your heart condition (whether or not the diagnosis has been determined), if at any time in the ninety
(90) days before your effective date:
a. any heart condition has not been stable, or
b. you have taken nitroglycerin more than once per week specifically for the relief of angina pain.
3. Your lung condition (whether or not the diagnosis has been determined), if at any time in the ninety (90)
days before your effective date:
a. any lung condition has not been stable, or
b. you have been treated with or prescribed home oxygen (on a regular or on an as needed basis) or
treated with or prescribed oral steroids (prednisone or prednisolone) for any lung condition.
General exclusions
In addition to the exclusions outlined above under the “Pre-existing medical condition exclusions” section, this
insurance does not cover any loss, claim or expense of any kind caused directly or indirectly as a result of :
1. Any known or anticipated event, occurrence, circumstance, or medical condition which you were aware
of on or before your effective date, and which you knew might be cause for cancellation, interruption or
delay of your trip.
2. Any trip undertaken to visit or attend an ill person when the medical condition or ensuing death of that
person is the cause of the claim.
3. The inability to obtain desired rental accommodation, financial difficulties or unwillingness to travel.
4. Your failure to appear at the airport, except in circumstances described as covered reasons.
5. A diagnosis, treatment, surgery, investigation, palliative care, or any alternative therapy, as well as any
directly or indirectly related complication, when the trip was undertaken for the purpose of obtaining
such a diagnosis, treatment, surgery, investigation, palliative care, or any alternative therapy.
20
6. The following:
n
routine pre-natal or post-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.
7. Any child born during the trip.
8. 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.
9. Your involvement in the commission or attempted commission of a criminal offence or illegal act.
10. Your self-inflicted injury, suicide or attempt to commit suicide.
11. Any medical condition, including symptoms of withdrawal, arising from, or in any way related to, your
chronic use of alcohol, drugs or other intoxicants whether prior to or during your trip.
12. Any medical condition arising during your trip from, or in any way related to, the abuse of alcohol, drugs
or other intoxicants.
13. Any medical condition that is the result of you not following treatment as prescribed to you, including
prescribed or over-the-counter medication.
14. An act of war whether declared or undeclared, rebellion, exposure to nuclear reaction or radiation, or
radioactive, biological or chemical contamination.
15. A travel advisory (“Avoid Non-Essential Travel” or “Avoid all Travel”) issued by the Government of
Canada specifically related to COVID-19 (including any mutation or variation).
In addition, any claims related to the following are excluded:
Any trip that was paid in full or partially by travel rewards provided by any frequent flyer program, excluding
the Avion points program.
What should you do if you have a claim?
If you call us at the time of the cancellation or interruption as shown under “How to Obtain Assistance,” you
will receive the necessary claims assistance.
Note: A legal guardian must complete the claim process on behalf of a covered person under the age of
eighteen (18) who resides in Quebec or under the age of sixteen (16) who resides in the rest of Canada.
For your claim to be reviewed, you must submit the following information:
n
The completed claim form. Please contact us to obtain a claim form;
n
The medical certificate (contact us to obtain a medical certificate), fully completed by the legally
qualified physician in active personal attendance and in the locality where the medical condition
occurred stating the reason why travel was not recommended;
n
A copy of your RBC Visa statement or itemized receipt showing that your payment for your trip was paid
in full with your RBC Avion Visa Business card and/or Avion points;
n
Written evidence of the covered reason which was the cause of the cancellation, interruption or delay;
n
Complete original unused transportation tickets and vouchers;
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 can be made to:
RBC Insurance Company of Canada Claims
c/o Allianz Global Assistance
P.O. Box 277
Waterloo, ON N2J 4A4
1-800-464-3211
21
You must provide notice of your claim within thirty (30) days of the date the claim arises.
You must submit the information required for your claim within ninety (90) days of the date the claim arises.
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 the claim arises or such other time period as may be permitted by your applicable
provincial/territorial legislation or your claim may not be reviewed.
If your claim is approved, payment will be made within sixty (60) days of receipt of all of the required
information.
How to file a complaint?
The complete process to file a complaint with RBC Insurance Company of Canada can be accessed on the
RBC Insurance Company of Canada public website at www.rbcinsurance.com under “Make a Complaint” at
https://www.rbc.com/customercare/index.html.
Other claim information
You may only commence a legal action in the province or territory where the Certificate of Insurance
was issued. You, your heirs and your assigns consent to the transfer of any legal action to the province or
territory where the Certificate of Insurance was issued.
What other terms should you know about?
1. This insurance coverage is excess insurance and we are the last payor. All other insurance sources of
recovery and indemnity payments must be exhausted before any payments will be made under this
coverage.
2. If you are eligible, from any other insurer, for benefits similar to the benefits provided under this
insurance, the total benefits paid to you by all insurers cannot exceed the actual expense that you have
incurred. We will coordinate the payment of benefits with all insurers from whom you are eligible for
benefits similar to those provided under this insurance, to a maximum of the largest amount specified
by each insurer.
3. All payments shall be payable in the lawful currency of Canada. All benefit limits indicated are in
Canadian currency. This insurance will not pay for any interest or any fluctuations in the exchange rate.
4. We, our agents, Royal Bank and their agents are not responsible for the availability, quality or results of
medical treatment or transportation, or your failure to obtain medical treatment.
5. We may, at our discretion, void this contract in the case of fraud or attempted fraud by you, your family
or others acting on your behalf, or if you conceal or misrepresent any material fact or circumstance
concerning this insurance contract.
6. You have the right to request a copy of the policy of group insurance.
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.
22
Delayed Baggage and Flight Delay Insurance
Certificate of Insurance
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 losses incurred by covered persons relating to a Missed
Connection, Delayed Flight Departure or Denied Boarding (as further described below). RBC Insurance
Company of Canada (the “Insurer”) has issued group insurance policy U-1014456-A to Royal Bank of Canada
(“Royal Bank”) to cover losses incurred by covered persons relating to emergency purchases due to lost or
delayed baggage that has been checked with an air carrier. All covered persons are clients of RBC Insurance
Company of Canada. This Certificate of Insurance contains terms and conditions of this group insurance
policy.
How to obtain assistance
RBC Insurance Company of Canada has appointed AZGA Service Canada Inc. (operating as “Allianz Global
Assistance”) as the provider of all assistance and claims services under this Certificate of Insurance.
If you require assistance or have questions about your coverage, you can contact us by calling:
1-800-533-2778 toll-free from the US & Canada or
905-816-2581 collect from anywhere in the world.
Helpful information about Delayed Baggage
and Flight Delay Insurance
n
Coverage begins four (4) hours after the occurrence of your Missed Connection, Delayed Flight, or
Denied Boarding, or the arrival of your flight at your destination when your checked baggage is lost or
delayed.
n
For Flight Delay insurance, the maximum amount of coverage for reasonable and necessary expenses
is $250 per occurrence per covered person to a maximum of $500 total per occurrence for all covered
persons.
n
For Delayed Baggage insurance, the maximum amount of coverage for emergency purchases is $500
per occurrence for each covered person. The overall maximum for all covered persons is $2,500 per
occurrence.
n
Remember to obtain a report from the air carrier to substantiate the Missed Connection, Delayed Flight,
Denied Boarding, or loss or delay of your checked baggage.
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 Business 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 Business 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
Business 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:
n
the applicant;
n
the applicant’s spouse;
23
n
the applicant’s dependent child who travels with or joins the applicant or applicant’s spouse on the
same trip; and/or
n
an additional cardholder. (Note: An additional cardholder is a covered person in his/her own right. The
spouse and/or dependent child of an additional cardholder is/are not eligible for this insurance, unless
they are otherwise covered as described above.)
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 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
a child of any age who is mentally or physically disabled.
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 baggage.
Occurrence means a loss or losses arising from a single event or incident which is neither expected nor
intended by a covered person.
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 and the
Canadian Military 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
for a continuous period of at least one year and who resides in the same household as you.
We, us and our refer to RBC Insurance Company of Canada and/or Allianz Global Assistance providing
services under this Certificate of Insurance.
Part 1 – Delayed Baggage Insurance
When does coverage begin and end?
This insurance is effective when the full cost of your airline ticket issued by an air carrier is paid with your
RBC Avion Visa Business card and/or Avion points, and your baggage is checked with that air carrier. If only
a partial payment is made using Avion points, the entire balance of that airline ticket must be paid using your
RBC Avion Visa Business card in order to be covered.
Coverage begins for you four (4) hours after the arrival of your flight at the scheduled flight destination,
when the baggage you had checked with the air carrier is lost or delayed.
Coverage ends, individually for each covered person, on the earliest of:
1. The date and time that your baggage is returned to you; or
2. Four (4) days after the arrival of your flight at the scheduled flight destination; or
3. The date that you arrive at the final destination on the return portion of your trip; or
4. The date you or the Royal Bank cancels your RBC Avion Visa Business account; or
5. The date your RBC Avion Visa Business account is sixty (60) days past due. However coverage is
automatically reinstated when the account is returned to good standing; or
6. The date the group insurance policy is cancelled by us or Royal Bank. However, such cancellation of
coverage shall not apply to travel arrangements charged to your RBC Avion Visa Business card prior to
the cancellation date of the group insurance policy.
What is covered and what are the benefits?
This insurance covers up to $500 maximum for the emergency purchases you incur per any one (1)
occurrence due to a loss or delay of your checked baggage. The overall maximum for all covered persons
is $2,500 per occurrence.
Emergency purchases include minimum essential clothing and toiletries, the purchase of which is rendered
absolutely necessary and indispensable due to the loss or delay of your checked baggage.
24
Part 2 – Flight Delay Insurance
When does coverage begin and end?
This insurance is effective when the full cost of your airline ticket issued by an air carrier is paid with your
RBC Avion Visa Business card and/or Avion points and you have checked in with that air carrier. If only a
partial payment is made using Avion points, the entire balance of that airline ticket must be paid using your
RBC Avion Visa Business card in order to be covered.
Your coverage begins four (4) hours after:
Missed Connection – The air carrier’s aircraft has arrived at your connecting point for your onward
connecting flight when, due to the delay of your incoming flight:
n
you miss a confirmed onward connecting flight; and
n
no alternative onward transportation is made available to you by the air carrier.
Delayed Flight Departure – The departure time of your scheduled confirmed flight was delayed:
n
and no alternative transportation is made available to you by the air carrier.
Denied Boarding – You have been denied boarding of the aircraft due to overbooking on your confirmed
scheduled flight:
n
and no alternative transportation is made available to you by the air carrier.
Coverage ends, individually for each covered person, on the earliest of:
1. Forty-eight (48) hours from the scheduled departure time of your original flight; or
2. The date that you arrive at the final destination on the return portion of your trip; or
3. The date you or the Royal Bank cancels your RBC Avion Visa Business account; or
4. The date your RBC Avion Visa Business account is 60 days past due. However coverage is automatically
reinstated when the account is returned to good standing; or
5. The date the group insurance policy is cancelled by us or Royal Bank. However, such cancellation of
coverage shall not apply to travel arrangements charged to your RBC Avion Visa Business card prior to
the cancellation date of the group insurance policy.
What is covered and what are the benefits?
This insurance covers up to $250 maximum per day, per covered person for the reasonable and necessary
expenses incurred as a result of a Missed Connection, Denied Boarding or Delayed Flight Departure.
This benefit is subject to an overall maximum of $500 per any one (1) occurrence. If there is more than one
(1) covered person making a claim, the maximum payable for all covered persons under this certificate is
$500 in total per any one (1) occurrence.
Reasonable and necessary expenses include your commercial accommodations and meals, emergency
purchases, essential telephone calls, internet usage fees, taxi fares (ride sharing or rental car in lieu of taxi
fares), and other sundry items (such as a magazine, paperback book and other such small items).
Part 3 – Delayed Baggage and
Flight Delay Insurance
What is not covered?
General exclusions
This insurance will not pay for any losses incurred directly or indirectly as a result of:
1. Any emergency purchases made after your baggage was returned to you.
2. Your failure to check your baggage within the minimum guidelines published by the air carrier.
3. The insufficient allotment of time for connecting flights according to air carrier recommendations.
4. An act of war whether declared or undeclared, rebellion, exposure to nuclear reaction or radiation, or
radioactive, biological or chemical contamination.
25
5. Your involvement in the commission or attempted commission of a criminal offence or illegal act.
6. Your being denied boarding by immigration officials or other authorities.
7. Your abuse of alcohol, drugs or other intoxicants.
In addition to the above general exclusions, this insurance will not cover the following:
Any losses incurred at the final destination of the return portion of your trip.
What should you do if you have a claim?
If you call us at the time of the loss as shown under “How to Obtain Assistance”, you will receive the
necessary claims assistance.
Note: A legal guardian must complete the claim process on behalf of a covered person under the age of
eighteen (18) who resides in Quebec or under the age of sixteen (16) who resides in the rest of Canada.
For your claim to be reviewed, you must submit the following original documentation:
n
The completed claim form. Please contact us to obtain a claim form;
n
Airline tickets;
n
Your RBC Visa statement and/or itemized receipt showing that the airline ticket was paid in full using
your RBC Avion Visa Business card and/or Avion points;
n
The air carrier’s report substantiating the reason for your Missed Connection, Delayed Flight Departure,
Denied Boarding, or loss or delay of your checked baggage; and
n
Receipts for hotel accommodation, restaurant meals, refreshments, emergency purchases and other
sundry items.
Submission of claims can be made to:
RBC Insurance Company of Canada Claims
c/o Allianz Global Assistance
P.O. Box 277
Waterloo, ON N2J 4A4
1-800-464-3211
You must provide notice of your claim within thirty (30) days of the date the claim arises.
You must submit the information required for your claim within ninety (90) days of the date the claim arises.
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 the claim arises or such other time period as may be permitted by your applicable
provincial/territorial legislation or your claim may not be reviewed.
If your claim is approved, payment will be made within sixty (60) days of receipt of all of the required
information.
How to file a complaint?
The complete process to file a complaint with RBC Insurance Company of Canada can be accessed on the
RBC Insurance Company of Canada public website at www.rbcinsurance.com under “Make a Complaint” at
https://www.rbc.com/customercare/index.html.
Other claim information
You may only commence a legal action in the province or territory where the Certificate of Insurance was
issued. You, your heirs, and your assigns consent to the transfer of any legal action to the province or
territory where the Certificate of Insurance was issued.
What other terms should you know about?
1. This insurance coverage is excess insurance and we are the last payor. All other insurance sources of
recovery and indemnity payments must be exhausted before any payments will be made under this
coverage.
2. If you are eligible, from any other insurer, for benefits similar to the benefits provided under this
insurance, the total benefits paid to you by all insurers cannot exceed the actual expense that you have
incurred. We will coordinate the payment of benefits with all insurers from whom you are eligible for
benefits similar to those provided under this insurance, to a maximum of the largest amount specified
by each insurer.
26
3. If you incur expenses covered under this insurance due to the fault and/or negligence of a third party, we
may take action against the third party. You agree to cooperate fully with us or our agents and to allow
us or our agents, at our/their own expense, to bring a lawsuit in your name against a third party.
4. All payments shall be payable in the lawful currency of Canada. All benefit limits indicated are in
Canadian currency. This insurance will not pay for any interest or any fluctuations in the exchange rate.
5. We may, at our discretion, void this insurance contract in the case of fraud or attempted fraud by you,
your family or others acting on your behalf, or if you conceal or misrepresent any material fact or
circumstance concerning this insurance contract.
6. You have the right to request a copy of the policy of group insurance.
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.
Hotel/Motel Burglary Insurance
Certificate of Insurance
Introduction
RBC Insurance Company of Canada (the “Insurer”) has issued group insurance policy U-1014454-A to
Royal Bank of Canada (“Royal Bank”) to cover losses incurred by covered persons relating to a hotel/motel
burglary. All covered persons are clients of RBC Insurance Company of Canada. This Certificate of Insurance
contains the terms and conditions of this group insurance policy.
How to obtain assistance
RBC Insurance Company of Canada has appointed AZGA Service Canada Inc. (operating as “Allianz Global
Assistance”) as the provider of all assistance and claims services under this Certificate of Insurance.
If you require assistance or have any questions about your coverage, you can contact us by calling:
1-800-533-2778 toll-free from the US & Canada or
905-816-2581 collect from anywhere in the world.
Helpful information about Hotel/Motel Burglary Insurance
n
The maximum reimbursement under this insurance for the repair or replacement of your personal
property that is lost or damaged due to a burglary is $2,500 total per occurrence.
n
The burglary must be as a result of wrongful entry, indicated by visible signs of force into your hotel
room, motel room or cruise cabin.
n
This insurance coverage is excess insurance and we are the last payor. All other insurance sources of
recovery and indemnity payments must be exhausted before any payments will be made under this
coverage.
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 Business 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 Business card has been issued at the request of the applicant or the co-applicant. An authorized user
must be a permanent resident of Canada.
27
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 Business 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:
n
the applicant;
n
the applicant’s spouse;
n
the applicant’s dependent child who travels with or joins the applicant or applicant’s spouse on the
same trip; and/or
n
an additional cardholder. (Note: An additional cardholder is a covered person in his/her own right. The
spouse and/or dependent child of an additional cardholder is/are not eligible for this insurance, unless
they are otherwise covered as described above.)
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 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
a child of any age who is mentally or physically disabled.
Occurrence means a loss or losses arising from a single event or incident which is neither expected nor
intended by a covered person.
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 and the
Canadian Military 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
for a continuous period of at least one year and who resides in the same household as you.
We, us and our refer to RBC Insurance Company of Canada and/or Allianz Global Assistance providing
services under this Certificate of Insurance.
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 Business card and/or
Avion points. If only a partial payment is made using Avion points, the entire balance of that hotel room,
motel room, or cruise cabin must be paid using your RBC Avion Visa Business card in order to be covered.
Coverage ends, individually for each covered person, on the earliest of:
1. The time you check out from your hotel room, motel room, or cruise cabin; or
2. The date you or the Royal Bank cancels your RBC Avion Visa Business account; or
3. The date your RBC Avion Visa Business account is sixty (60) days past due. However coverage is
automatically reinstated when the account is returned to good standing; or
4. The date the group insurance policy is cancelled by us 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.
What is covered and what are the benefits?
Reimbursement to you, up to a maximum of $2,500 per burglary occurrence, for the damage to or the loss
of your personal property resulting from the burglary of your hotel room, motel room, or cruise cabin when
you are a registered guest. If there is more than one (1) covered person making a claim, the maximum
payable for all covered persons under this Certificate of Insurance is $2,500 in total per any one (1) burglary
occurrence. We will pay the lesser of the following amounts:
28
1. $2,500 in total per burglary occurrence.
2. The actual replacement value of your personal property at the time of the burglary.
3. The amount for which your personal property could be replaced with property of like kind and quality if
an identical replacement cannot reasonably be obtained.
4. The amount for which your personal property could be repaired to its condition prior to the burglary.
What is not covered?
General exclusions
This insurance will not pay for any losses incurred directly or indirectly as a result of:
1. The loss of cash or traveller’s cheques.
2. Your failure to take reasonable precautions to safeguard your personal property or to secure your hotel
room, motel room, or cruise cabin.
3. An act of war whether declared or undeclared, rebellion, exposure to nuclear reaction or radiation, or
radioactive, biological or chemical contamination.
4. Your involvement in the commission or attempted commission of a criminal offence or illegal act.
5. The burglary of your rental property.
What should you do if you have a claim?
If you call us at the time of the loss as shown under “How to Obtain Assistance,” you will receive the
necessary claims assistance.
Note: A legal guardian must complete the claim process on behalf of a covered person under the age of
eighteen (18) who resides in Quebec or under the age of sixteen (16) who resides in the rest of Canada.
For your claim to be reviewed, you must submit the following original documentation:
n
The completed claim form. Please contact us to obtain a claim form;
n
The 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 RBC Avion Visa Business card and/or Avion 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 can be made to:
RBC Insurance Company of Canada Claims
c/o Allianz Global Assistance
P.O. Box 277
Waterloo, ON N2J 4A4
1-800-464-3211
You must provide notice of your claim within thirty (30) days of the date the claim arises.
You must submit the information required for your claim within ninety (90) days of the date the claim arises.
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 the claim arises or such other time period as may be permitted by your applicable
provincial/territorial legislation or your claim may not be reviewed.
If your claim is approved, payment will be made within sixty (60) days of receipt of all of the required
information.
How to file a complaint?
The complete process to file a complaint with RBC Insurance Company of Canada can be accessed on the
RBC Insurance Company of Canada public website at www.rbcinsurance.com under “Make a Complaint” at
https://www.rbc.com/customercare/index.html.
29
Other claim information
You may only commence a legal action in the province or territory where the Certificate of Insurance was
issued. You, your heirs, and your assigns consent to the transfer of any legal action to the province or
territory where the Certificate of Insurance was issued.
What other terms should you know about?
1. If you are eligible, from any other insurer, for benefits similar to the benefits provided under this
insurance, the total benefits paid to you by all insurers cannot exceed the actual expense that you have
incurred. We will coordinate the payment of benefits with all insurers from whom you are eligible for
benefits similar to those provided under this insurance, to a maximum of the largest amount specified
by each insurer.
2. If you incur expenses covered under this insurance due to the fault and/or negligence of a third party, we
may take action against the third party. You agree to cooperate fully with us or our agents and to allow
us or our agents, at our own expense, to bring a lawsuit in your name against a third party.
3. All payments shall be payable in the lawful currency of Canada. All benefit limits indicated are in
Canadian currency. This insurance will not pay for any interest or any fluctuations in the exchange rate.
4. We may, at our discretion, void this insurance contract in the case of fraud or attempted fraud by you,
your family or others acting on your behalf, or if you conceal or misrepresent any material fact or
circumstance concerning this insurance contract.
5. You have the right to request a copy of the policy of group insurance.
6. 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.
Purchase Security & Extended Warranty
Certificate of Insurance
Introduction
RBC Insurance Company of Canada (the “Insurer”) has issued group insurance policy U-1014457-A to Royal
Bank of Canada (“Royal Bank”) to cover losses incurred by covered persons relating to Purchase Security &
Extended Warranty. All covered persons are clients of RBC Insurance Company of Canada. This Certificate
of Insurance contains the terms and conditions of this group insurance policy.
How to obtain assistance
RBC Insurance Company of Canada has appointed AZGA Service Canada Inc. (operating as “Allianz Global
Assistance”) as the provider of all assistance and claims services under this Certificate of Insurance.
If you require assistance or have questions about your coverage, you can contact us by calling:
1-800-533-2778 Toll-free from the US & Canada or
905-816-2581 collect from anywhere in the world.
Helpful information about Purchase Security &
Extended Warranty Insurance
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Purchase Security Insurance provides coverage for loss or accidental physical damage to insured items
purchased with your RBC Avion Visa Business card and/or with Avion points for ninety (90) days from
the date of purchase. The maximum amount of coverage is $50,000, or the equivalent number of Avion
points, per RBC Avion Visa Business card per calendar year.
n
Extended Warranty Insurance automatically doubles the original manufacturer’s warranty for up to a
maximum of one (1) year.
n
Remember to obtain a police, fire, business insurance claim, or damage/loss report in the event of a
claim as it is required to determine eligibility for benefits.
30
IOTT!
Purchase Security Insurance coverage is excess insurance and we are the last payor. All other insurance
sources of recovery and indemnity payments must be exhausted before any payments will be made under
this coverage. For example, if you are covered under business insurance, this insurance will cover the
deductible only.
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 Business 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 Business 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
Business 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”.
Insured item means an item (a pair or set being one item) of business property (not for personal purposes)
for which the full purchase price is charged to your RBC Avion Visa Business card and/or paid for by using
Avion points.
Manufacturer’s warranty means an expressly written warranty issued by the manufacturer of the insured
item at the time of purchase. The manufacturer’s warranty must be provided at no additional cost and be
valid in Canada.
Mysterious disappearance means when the insured item in question cannot be located, and the
circumstances of its disappearance cannot be explained and do not lend themselves to a reasonable
inference that a covered loss occurred.
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 and the
Canadian Military 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 for a continuous period of at least one year and who resides in the same household as you.
We, us and our refer to RBC Insurance Company of Canada and/or Allianz Global Assistance providing
services under this Certificate of Insurance.
When does coverage begin and end?
These coverages are effective when you use your RBC Avion Visa Business card and/or Avion points to
purchase and pay in full for an insured item. If the insured item is delivered to you, it must be received and
accepted by you in good condition. If only a partial payment is made using Avion points, the entire balance
of the insured item must be paid using your RBC Avion Visa Business card in order to be covered.
Coverage ends, individually for each covered person, on the earliest of:
1. The date you or the Royal Bank cancels your RBC Avion Visa Business account; or
2. The date your RBC Avion Visa Business account is sixty (60) days past due. However coverage is
automatically reinstated when the account is returned to good standing; or
3. The date the group insurance policy is cancelled by us or Royal Bank. However, such cancellation of
coverage shall not apply to insured items charged to your RBC Avion Visa Business card prior to the
cancellation date of the group insurance policy.
31
What is covered and what are the benefits?
Purchase Security Insurance
Insured items purchased using your RBC Avion Visa Business card and/or Avion points are insured against
risks of loss or accidental physical damage for ninety (90) days from the date of purchase.
You are insured for loss or accidental physical damage to an insured item in an amount not exceeding the
amount shown on your RBC Avion Visa Business credit card statement. If you have purchased and paid for
an insured item using Avion points, you are insured for the amount of Avion points you redeemed to pay for
your purchase. We have the sole option to replace or repair the insured item or reimburse you.
The maximum amount of coverage is $50,000 (or the equivalent number of Avion points) per RBC Avion Visa
Business account for each calendar year.
Extended Warranty Insurance
Extended Warranty Insurance automatically doubles the original manufacturer’s warranty, up to a
maximum extension of one (1) year. Your Extended Warranty Insurance starts immediately following the
expiry of the original manufacturer’s warranty, but in no event shall the combined Extended Warranty
and original manufacturer’s warranty exceed five (5) years. If you have a claim under this Certificate of
Insurance, it will be reviewed according to the original manufacturer’s warranty, which will outline all terms
and conditions relating to your insured item. The terms, conditions and exclusions of this Certificate of
Insurance will govern in case of a conflict.
Insured items covered by Extended Warranty Insurance must have been purchased using your RBC Avion
Visa Business card and/or Avion points. The purchases can be made anywhere in the world. The original
warranty must be valid in Canada.
In the event your original manufacturer’s warranty is no longer available due to the bankruptcy of the
manufacturer, this insurance will provide coverage in place of the original manufacturer’s warranty, to a
maximum of one (1) year from the date of bankruptcy of the manufacturer.
What is not covered?
Insured item exclusions
This insurance will not pay for any claim, damage, loss or expense for the following:
1. Living plants, animals, fish, or birds.
2. Consumable or perishable items.
3. Money, travellers cheques, bullion, stamps, tickets, tokens, evidence of title or any other negotiable
item (including but not limited to gift cards and gift certificates).
4. Jewellery, gems, watches, furs, or garments trimmed with fur, while in baggage that was not hand carried
at all times by you.
5. Land or water based motorized vehicles, amphibious or air cushion vehicles, aircraft, drones,
spacecraft, trailers or outboard motors and other accessories attached to or mounted on such
property.
6. An insured item which is delivered and received by you damaged.
7. An insured item with a manufacturer’s warranty not valid in Canada.
8. An insured item with a lifetime warranty.
9. Property illegally acquired, kept, stored or transported, or property seized or confiscated for breach of
any law or by order of any public authority.
10. Any and all property and equipment intended for personal use.
General exclusions
This insurance will not pay for any claim, damage, loss or expense incurred directly or indirectly as a result
of:
1. Mysterious disappearance of an insured item.
2. Fraud.
3. Any wear and tear, gradual deterioration, latent defect or inherent vice, marring or scratching of any
fragile or brittle article after an insured item is received in good condition.
4. Weather conditions and any natural disaster, including flood or earthquake.
32
5. An act of war whether declared or undeclared, rebellion, exposure to nuclear reaction or radiation, or
radioactive biological or chemical contamination.
6. Your involvement in the commission or attempted commission of a criminal offence or illegal act.
7. Birds, vermin, rodents or insects.
8. Damage to sports equipment and goods when being used for its intended purpose.
9. Setting, expansion, contraction, bulging, buckling or cracking, dampness or dryness of atmosphere,
changes of temperature, freezing, heating, evaporation, loss of weight, leakage of contents, exposure to
light, contamination, change in color or texture or finish, rust or corrosion.
10. Delay, loss of use, or consequential damages.
11. Loss or damage to electrical appliances or devices of any kind (including wiring) when loss or damage
is due to electrical currents artificially generated, including arcing, unless fire or explosion ensues and
then only for such loss and damage.
12. Insured items undergoing any installation process or while being worked on, where damage results from
such installation process or work.
What should you do if you have a claim?
If you call us at the time of the loss as shown under “How to Obtain Assistance,” you will receive the
necessary claims assistance.
Note: A legal guardian must complete the claim process on behalf of a covered person under the age of
eighteen (18) who resides in Quebec or under the age of sixteen (16) who resides in the rest of Canada.
For your claim to be reviewed, you must submit the following original documentation:
n
the claim form containing the time, place, cause and amount of the loss or damage. Please contact
us to obtain a claim form;
n
a copy of the original merchant’s sales receipt;
n
your RBC Visa credit card statement and/or receipt showing that the insured item was paid in full using
your RBC Avion Visa Business card and/or Avion points;
n
confirmation of business insurance deductible;
n
a copy of the detailed police/loss report;
n
if the item is repairable, provide a repair estimate;
n
if the item is not repairable, please provide pictures;
n
the original manufacturer’s warranty (for Extended Warranty Insurance claims only);
n
a written estimate of the repair from an authorized dealer (for Extended Warranty Insurance claims
only); and
n
any additional documentation requested that is required to review the claim. Failure to provide the
applicable documentation may result in the denial of your claim.
Depending on the nature of the claim, you will be required to obtain, at the time of the loss or damage, a
police, fire, business insurance claim 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, we will reimburse the full purchase price of the pair or set
provided that the insured items are unusable individually and cannot be replaced individually.
Under Extended Warranty Insurance, prior to proceeding with any repair services, you must notify us and
obtain approval of the repair services and the repair facility.
For both Purchase Security and Extended Warranty Insurance, at our sole discretion, you may be required
to send, at your expense, the damaged item on which a claim is based to an address designated by us.
Submission of claims can be made to:
RBC Insurance Company of Canada Claims
c/o Allianz Global Assistance
P.O. Box 277
Waterloo, ON N2J 4A4
1-800-464-3211
33
You must provide notice of your claim within thirty (30) days of the date the claim arises.
You must submit the information required for your claim within ninety (90) days of the date the claim arises. 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 the claim arises or such other time period as may be permitted by your applicable provincial/
territorial legislation or your claim may not be reviewed.
If your claim is approved, payment will be made within sixty (60) days of receipt of all of the required
information.
How to file a complaint?
The complete process to file a complaint with RBC Insurance Company of Canada can be accessed on the
RBC Insurance Company of Canada public website at www.rbcinsurance.com under “Make a Complaint” at
https://www.rbc.com/customercare/index.html.
Other claim information
You may only commence a legal action in the province or territory where the Certificate of Insurance was
issued. You, your heirs, and your assigns consent to the transfer of any legal action to the province or
territory where the Certificate of Insurance was issued.
What other terms should
you
know about?
1. If you incur expenses covered under this insurance due to the fault and/or negligence of a third party, we
may take action against the third party. You agree to cooperate fully with us or our agents and to allow
us or our agents, at our own expense, to bring a lawsuit in your name against a third party.
2. All payments shall be payable in the lawful currency of Canada. All benefit limits indicated are in
Canadian currency. This insurance will not pay for any interest or any fluctuations in the exchange rate.
3. We may, at our discretion, void this insurance contract in the case of fraud or attempted fraud by you,
your family or others acting on your behalf, or if you conceal or misrepresent any material fact or
circumstance concerning this insurance contract.
4. We maintain the right to salvage any items being replaced including all attachments and accessories.
5. You must repay us any amount paid or authorized by us on your behalf if and when we determine that the
amount is not payable under the terms of this insurance.
6. We will not be liable for more than the purchase price of the insured item(s) as recorded on the RBC
Avion Visa Business credit card statement. If you have purchased and paid for the insured items using
Avion points, we will not be liable for more than the amount of the Avion points you redeemed to pay for
your purchase.
7. 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.
8. This insurance 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
from us.
9. You have the right to request a copy of the policy of group insurance.
10. 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.
34
COCTO, US A SG O PSO IOTO
RBC Insurance Company of Canada Privacy Notice
Collecting your personal information
We (RBC Insurance Company of Canada) may collect information about you, such as:
n
information establishing your identity (for example, name, address, phone number, date of birth, etc.)
and your personal background;
n
information you provide through the application and claims process for any of our insurance products
and services; and
n
information for the provision of insurance products and services.
We may collect information from you, either directly or through our representatives. We may collect and
confirm this information during the course of our relationship. We may also obtain this information from a
variety of sources including hospitals, doctors and other health care providers, the government (including
government health insurance plans) and governmental agencies, other insurance companies, travel
suppliers, law enforcement authorities, private investigators, your family and friends, and any references
you provide.
Using your personal information
This information may be used for the following purposes:
n
to verify your identity and investigate your personal background;
n
to issue and maintain insurance products and services you may request;
n
to evaluate 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
n
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 shared 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.
Your personal information may be transmitted through, stored or processed in jurisdictions other than
where you are based, in which case the information is bound by the laws of these jurisdictions. If your
personal information is transferred to a country/province other than your home jurisdiction, we will take
measures to protect your personal information with appropriate contract clauses or other applicable
safeguards.
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 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.
We may also use automated processing to make decisions about you, including underwriting and claims
adjudication, where applicable.
35
Other uses of your personal information
We may use this information to promote our insurance products and services, and promote products and
services of third parties we select, which may be of interest to you. We may communicate with you through
various channels, including telephone, computer or mail, using the contact information you have provided.
We may also, where not prohibited by law, share this information with RBC companies for the purpose
of referring you to them or promoting to you products and services which may be of interest to you.
We and RBC companies may communicate with you through various channels, including telephone,
computer or mail, using the contact information you have provided. You acknowledge that as a result of
such sharing they may advise us of those products or services provided.
If you also deal with RBC companies, we may, where not prohibited by law, consolidate this information
with information they have about you to allow us and any of them to manage your relationship with RBC
companies and our business.
You understand that we and RBC companies are separate, affiliated corporations. RBC companies include
our affiliates which are engaged in the business of providing any one or more of the following services to
the public: deposits, loans and other personal financial services; credit, charge and payment card services;
trust and custodial services; securities and brokerage services; and insurance services.
You may choose not to have this information shared or used for any of these “Other uses” by contacting us
as set out below, and in this event, you will not be refused insurance products or services just for that reason.
We will respect your choices and, as mentioned above, we may share your choices with RBC companies for
the sole purpose of honouring your choices regarding “Other uses of your personal information”.
Your right to access your personal information
You may obtain access to the information we hold about you at any time and review its content and
accuracy, and have it amended as appropriate; however, access may be restricted as permitted or required
by law. To request access to such information, to learn more about our use of automated processing, to
ask questions about our privacy policies or to request that the information not be used for any or all of the
purposes outlined in “Other uses of your personal information” you may do so now or at any time in the
future by contacting us at:
RBC Insurance Company of Canada
P.O. Box 97, Station A
Mississauga, Ontario L5A 2Y9
Phone: 1-866-863-6970
Fax: 1-888-298-6262
Our Privacy Notices
All collection, use, and sharing of your personal information will be in accordance with our Global Privacy
Notice and Digital Channel Privacy (available at www.rbc.com/privacysecurity), which form part of these
terms.
36
Aviva General Insurance Company Privacy Policy and Commitment to
Protecting Your Privacy
Aviva Canada Inc. and our member companies (“Aviva”) are committed to protecting and keeping private
our policyholders’ Personal Information. Our Privacy Policy sets out details on the collection, retention, use
and disclosure of Personal Information. All employees are required to comply with the Privacy Policy in the
execution of their daily activities.
At Aviva we identify to our customers the purpose for collecting their Personal Information at or prior to its
actual collection. Our customers in turn must consent to its collection implicitly or expressly in order for us
to use it for those purposes. We are committed to ensuring that the Personal Information collected on our
customers is only used for the purpose for which it was originally intended.
Aviva shall collect, retain, use and disclose your Personal Information in accordance with our Privacy Policy.
If we require your Personal Information for any other purpose other than as identified in our Privacy Policy,
Aviva will seek your consent prior to using it.
We issue an insurance policy with the understanding that, in addition to providing your consent, you have
obtained the consent from all persons named in your insurance policy for the collection, retention, use and
disclosure of their Personal Information for the purposes we have identified.
What we will NOT do with your information
We do not sell customer information to anyone. Nor do we share customer information with organizations
outside of our member companies that would use it to contact you about their own products or services.
We strive to protect your personal information
All employees, independent brokers, agents, suppliers, and others, as permitted by the criteria outlined in
our Privacy Policy, who are granted access to customer records understand the importance of keeping this
information protected and confidential. They are clearly advised they are to use the information only for
the purposes intended.
We’ve also established physical and systems safeguards, along with the proper processes, to protect
customer information from unauthorized access or use.
The member companies of Aviva Canada Inc. may internally share your Personal Information as permitted
by the Privacy Policy. We may also use service providers located outside of Canada or related companies
located outside of Canada to collect, use, retain or disclose your Personal Information as permitted by the
criteria outlined in our Privacy Policy. In such circumstances, we will attempt to contractually protect your
Personal Information; however, it may be subject to the laws of that jurisdiction and may be accessed by the
courts, law enforcement and national security services of that jurisdiction.
Your privacy choices
You may withdraw your consent at any time (subject to legal or contractual obligations and on providing
us reasonable notice) by contacting our Privacy Officer in writing. Please be aware that withdrawing your
consent may prevent us from providing you with any requested product or service.
We may amend our Privacy Policy from time to time. For a copy of our Privacy Policy or for more
information about our Privacy Policy and procedures, our member companies or to view jurisdictions
where your Personal Information may be collected, used, retained or disclosed, please visit our website at
www.aviva.ca, or contact our Privacy Officer at:
Aviva Canada Inc.
10 Aviva Way, Suite 100
Markham, ON L6G 0G1
Phone: 1-844-398-2009
Fax: 416-755-4075
E-mail: [email protected]
® /
TM
Trademarks of Royal Bank of Canada.
‡
All other trademarks are the property of their respective owner(s).
VPS111112 29416 (11/2023)
