This card does not include trip cancellation insurance. If you have to cancel a prepaid, non-refundable trip before departure for a covered reason, nothing is reimbursed — you would need a separate travel insurance policy.
What does the insurance on my RBC Cash Back Mastercard actually cover?
RBC·CA$0/year·Mastercard·RBC Insurance Company of Canada
0,3/5Independent review · verified July 2026
0,0
0,0
2,4
Our Verdict · Travel Insurance
Our take on travel insurance for the RBC Cash Back Mastercard
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
The RBC Cash Back Mastercard includes no travel insurance of any kind — no emergency medical, trip cancellation or interruption, flight or baggage delay, lost baggage, travel accident, or rental car coverage. If you travel, you need a separate travel insurance policy.
Where travel breaks down
- No emergency medical coverage
- No trip cancellation or interruption
- No flight/trip delay or baggage coverage
- No common carrier travel accident
- No rental car CDW
Our methodology
Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.
Travel Insurance · 11 guarantees
What does RBC Cash Back Mastercard Travel Insurance actually cover?
This card does not include out-of-province or out-of-country emergency medical insurance. Hospital and physician costs abroad are not covered, and provincial health plans pay very little outside Canada, so a separate travel medical policy is essential.
This card does not include emergency medical evacuation or repatriation coverage. The cost of an air ambulance or a medically necessary return home is not covered.
This card does not include trip interruption insurance. If a covered event cuts your trip short after departure, the extra cost to return home and the unused prepaid portion of your trip are not reimbursed.
This card does not include flight or trip delay insurance. Meals, accommodation, and essential purchases during a delayed flight are not reimbursed.
This card does not include missed connection coverage. Extra costs caused by missing a connecting flight or departure are not reimbursed.
This card does not include early return coverage. The cost of returning home early for a covered reason is not reimbursed.
This card does not include delayed baggage coverage. Emergency purchases of clothing or toiletries while your checked baggage is delayed are not reimbursed.
This card does not include lost or stolen baggage coverage. The replacement value of luggage and personal items that are lost, stolen, or damaged in transit is not covered.
This card does not include common carrier travel accident insurance. There is no accidental death or dismemberment benefit while travelling as a passenger on a plane, train, bus, or boat.
This card does not include hotel or motel burglary coverage. Loss or damage to personal property from a break-in at your accommodation is not covered.
Policy document 1
Policy document 2
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the RBC Cash Back Mastercard wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Trip Cancel: not covered by this card
Medical: not covered by this card
Evacuation: not covered by this card
Compare
Cash Back MastercardThis card0.3/5?
CA$0/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
CA$236 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the RBC Cash Back Mastercard stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Cash Back Mastercard shoppers also consider.
| Card | This card Cash Back Mastercard RBC · CA$0/yr 0.3/5? | WestJet World Elite Mastercard RBC · CA$139/yr 4.1/5? | Rewards World Elite Mastercard BMO · CA$150/yr 4.3/5? | World Elite Mastercard ATB Financial · CA$120/yr 4.1/5? |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | Not covered Cover this gap → | $1,500 per person Charged to card or WestJet dollars | $2,500 / person ($5,000 / account) $0 deductible | $1,000 / person (max $5,000 / trip) |
Emergency medical Hospital bills abroad | Not covered Cover this gap → | Unlimited No dollar ceiling | $2,000,000 (under 65, first 21 days) First 21 days only | $2,000,000 / person · ≤22 days · under 65 |
Emergency evacuation Air ambulance + repatriation | Not covered Cover this gap → | Within medical Air ambulance pre-authorized | Actual cost (pre-authorization required) Pre-authorization required | Included (within medical) |
Trip delay trigger Hours before benefits kick in | Not covered Cover this gap → | 4h / $500 $250 per day | $500 / account / trip (6h+ delay) Trigger: 6 hours | $500 / trip ($250/day, up to 2 days) |
Trip interruption Covered amount | Not covered Cover this gap → | $5,000 per person $25,000 per trip overall | $2,000 / person Up to $2,000 / person | $1,000 / person (max $5,000 / trip) |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Cardholder reviews
What cardholders say about the RBC Cash Back Mastercard
Real user reviews from creditcardGenius (user rating 3.6/5 from 14 reviews) 14 reviews
H(
HostileDoor (creditcardGenius)
Fine for building credit
"Good for starting your credit history otherwise it is a no frills card."
Y(
Yves (creditcardGenius)
Good for groceries, weak elsewhere
"This is a good card if you do groceries as it gives 2% and 1% on recurring payments...the rewards are paid yearly, they decide when you get it. Other than for those kind of purchase, the card is useless as it only gives 0.5%."
S(
Simon (creditcardGenius)
Frustrating support experience
"Had an issue with a payment. Contacted the card service, the verification process took super long with too many questions, something even unrelated to the card, very annoying. Will cancel it."
Emergency · Card assistance line
How to contact RBC Cash Back Mastercard assistance?
Purchase Security & Extended Warranty assistance and claims are handled by Allianz Global Assistance (AZGA Service Canada Inc.) on behalf of RBC Insurance Company of Canada.
Assistance — Canada & US
1-800-511-4607
Toll-free · For assistance or questions about your coverage
Assistance — worldwide
905-816-2583
Collect · Collect from anywhere in the world
Benefit administrator: AZGA Service Canada Inc., operating as Allianz Global Assistance
Claims & pre-authorizations
How to make a claim
1
Document the loss
Report the incident promptly and obtain supporting documentation — a police, fire, or homeowner's insurance claim report is required to determine eligibility.
2
Call Allianz to open a claim
Contact Allianz Global Assistance to open a claim: call 1-800-464-3211.
3
Keep your purchase records
Keep your original receipt, the credit card statement showing the purchase, and the manufacturer's warranty (for Extended Warranty claims).
4
Get approval before any repair
For Extended Warranty repairs, notify the insurer and obtain approval before any repair is carried out.
5
Submit the claim form on time
Submit the completed claim form and all required documents within the timeframe stated in the Certificate of Insurance.
FAQ
What people ask about the RBC Cash Back Mastercard
- No. This card carries no travel insurance — no emergency medical, trip cancellation or interruption, flight or baggage delay, lost baggage, travel accident, or rental car coverage. The only insurance included is Purchase Security and Extended Warranty. If you plan to travel, you'll need a separate travel insurance policy.
- Purchase Security covers loss or accidental physical damage to eligible items for 90 days from the date of purchase, as long as you paid in full with the card and/or Avion points. The maximum is $50,000 (or the equivalent in Avion points) per RBC credit card per calendar year.
- No. Purchase Security is supplemental (excess) coverage — it pays after any other insurance you have, such as homeowner's or tenant's insurance. In many cases it covers only your deductible on the other policy.
- Extended Warranty automatically doubles the original manufacturer's warranty, up to a maximum of one additional year. It begins when the original warranty expires, and the combined extended plus original warranty cannot exceed five years. You must notify the insurer and get approval before any repair.
- Yes. Both Purchase Security and Extended Warranty apply whether you pay in full with the card or with Avion points (or a combination).
- No. The RBC Cash Back Mastercard does not include mobile device / cell phone insurance, price protection, or return protection.
- The insurance is underwritten by RBC Insurance Company of Canada under group policy U-1014457-A. Assistance and claims are handled by AZGA Service Canada Inc., operating as Allianz Global Assistance.
- Contact Allianz Global Assistance at 1-800-464-3211 to open a claim. Keep your original receipt, the credit card statement showing the purchase, and (for Extended Warranty) the manufacturer's warranty. A police, fire, or homeowner's insurance report may be required to establish eligibility.
Not just RBC
Other cards worth considering
Cash Back Mastercard is a strong choice — but depending on what you prioritize, one of these may suit you better.
Rewards World Elite Mastercard
BMO
World Elite Mastercard
ATB Financial
World Elite Mastercard
National Bank
WestJet World Elite Mastercard
RBC
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