RBC Avion Visa Platinum benefits: a travel card with no emergency medical?

Trip Cancellation reimburses the non-refundable portion of prepaid travel you cancel before departure for one of 13 covered reasons, up to $1,000 per covered person and an overall $5,000 per account. An additional cardholder and a dependent child aged 16 to 25 travelling alone each get the same $1,000 limit. The full trip must be paid with the card or Avion points. Underwritten by RBC Insurance Company of Canada.

No emergency medical insurance. The Avion Visa Platinum carries no out-of-province or out-of-country emergency medical coverage. A hospital stay, ER visit, or doctor abroad is entirely your responsibility, and provincial health plans pay almost nothing outside Canada. You must buy a separate travel medical policy before every trip.

No emergency medical evacuation or repatriation. Because the card has no emergency medical insurance, it does not pay for an air ambulance, a medical escort, or transport home after an illness or injury abroad. A medical evacuation can cost tens of thousands of dollars and is entirely your responsibility on this card.

Trip Interruption reimburses the non-refundable unused portion of prepaid travel, plus extra transportation to catch up or return home, when a covered reason interrupts your trip after departure. The limit is $2,500 per covered person, across the same 13 covered reasons as cancellation. Extra transportation is paid as one-way economy fare by the most cost-effective route.

Flight Delay reimburses reasonable expenses when a missed connection, a delayed departure, or denied boarding holds you up 4 or more hours. It pays $250 per day per covered person, up to $500 total per occurrence for all covered persons. Covered costs include meals, accommodation, and local transportation. The airline ticket must be paid in full with the card or Avion points.

Missed Connection is one of the triggers under Flight Delay. When your inbound flight arrives late and you miss a confirmed onward connection with no alternative offered, the benefit reimburses meals, accommodation, and local transportation. It shares the same $250 per person and $500 per occurrence limit as the flight delay and denied boarding triggers.

Early return home is delivered through the Trip Interruption benefit rather than as a separate line. When a covered reason cuts your trip short, RBC Insurance covers one-way economy fare to your departure point by the most cost-effective route, within the $2,500 per covered person interruption limit.

Delayed Baggage reimburses emergency purchases of essential clothing and toiletries when your checked baggage is lost or delayed 4 or more hours after you arrive. It pays up to $500 per covered person, with a maximum of $2,500 per occurrence for all covered persons. Keep the airline report and your receipts to claim.

No lost or stolen baggage coverage. This card covers delayed baggage only, not the permanent loss or theft of your checked or carry-on bags. The full value of lost or stolen luggage and its contents is the cardholder's responsibility.

Travel Accident Insurance pays up to $500,000 for accidental death or major dismemberment while you travel on a common carrier such as a plane, train, bus, or boat, when the fare is charged to the card or Avion points. Lower scheduled amounts apply to the loss of a single limb or sight. The loss must occur within 365 days of the accident. Underwritten by RBC Insurance Company of Canada.

Hotel/Motel Burglary pays up to $2,500 per occurrence for personal property stolen from your hotel or motel room or cruise cabin through forced entry, with visible signs of force. It is excess coverage, so other applicable insurance pays first. The room must be paid with the card or Avion points. A police report and proof you were a registered guest are required.