Does the RBC Cash Back Mastercard include travel insurance?

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.

What is Purchase Security on this card?

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.

Is Purchase Security primary coverage?

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.

How does the Extended Warranty work?

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.

Do the coverages apply if I pay with Avion points?

Yes. Both Purchase Security and Extended Warranty apply whether you pay in full with the card or with Avion points (or a combination).

Is there a cell phone or mobile device insurance benefit?

No. The RBC Cash Back Mastercard does not include mobile device / cell phone insurance, price protection, or return protection.

Who underwrites and administers the coverage?

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.

How do I make a claim?

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.

What does the insurance on my RBC Cash Back Mastercard actually cover?

RBC·CA$0/year·Mastercard·RBC Insurance Company of Canada

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 25, 20268 min read

0,3/5Independent review · verified June 2026

Travel Insurance

0,0

Car Rental

0,0

Protection

2,4

Our Verdict · Travel Insurance

Our opinion on RBC Cash Back Mastercard Travel Insurance

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?

Quality, not just caps

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.

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?

Report an error Send updated PDF

Coverage Radar

Where the RBC Cash Back Mastercard wins, where it loses

Coverage snapshot for this tab — click any layer to highlight its scores.

Compare

Cash Back MastercardThis card0.3/5?

$0/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

$150 avg. annual fee

Click 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 · $0/yr 0.3/5?	WestJet World Elite Mastercard RBC · $139/yr 4.1/5?	Rewards World Elite Mastercard BMO · $150/yr 4.3/5?	Aeroplan Reserve American Express · $599/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	$1,500 / person Covered reasons apply
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	$5,000,000 Age 64 or under only
Emergency evacuation Air ambulance + repatriation	Not covered Cover this gap →	Within medical Air ambulance pre-authorized	Actual cost (pre-authorization required) Pre-authorization required	Within $5M medical Within emergency 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	4h / $1,000 agg 4-hour trigger
Rental CDW Primary or secondary	Not covered Cover this gap →	Primary / actual cash value Primary coverage	Up to $65,000 MSRP, primary Primary coverage	Primary / $85,000 Primary CDW

StrongLimited / misleadingNot covered

Data verified against each card's Guide to Benefits, May 2026.

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

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.

Call Allianz to open a claim

Contact Allianz Global Assistance to open a claim: call 1-800-464-3211.

Keep your purchase records

Keep your original receipt, the credit card statement showing the purchase, and the manufacturer's warranty (for Extended Warranty claims).

Get approval before any repair

For Extended Warranty repairs, notify the insurer and obtain approval before any repair is carried out.

Submit the claim form on time

Submit the completed claim form and all required documents within the timeframe stated in the Certificate of Insurance.

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.