No trip cancellation coverage. If you cancel a prepaid trip for a covered reason such as illness, the non-refundable cost is not reimbursed by this card. 🔴 Financial exposure: a $5,000 non-refundable trip is entirely at your expense.
What does the insurance on my RBC ION+ Visa card actually cover?
RBC·CA$48/year·Visa·RBC Insurance Company of Canada
Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 24, 20268 min read
0,3/5Independent review · verified June 2026
0,0
0,0
2,9
Our Verdict · Travel Insurance
Our opinion on RBC ION+ Visa Travel Insurance
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
The RBC ION+ Visa includes no travel insurance. There is no emergency medical, trip cancellation, trip interruption, trip or baggage delay, lost baggage, or common carrier travel accident coverage. Anyone travelling with this card must purchase a standalone travel insurance policy.
Where travel breaks down
- No emergency medical coverage abroad
- No trip cancellation or interruption coverage
- No trip or baggage delay coverage
- No lost/stolen baggage coverage
- No travel accident coverage
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 ION+ Visa Travel Insurance actually cover?
Quality, not just caps
What's not covered
- Trip cancellation is not a benefit of this card
The RBC ION+ Visa includes no travel insurance — only purchase security, extended warranty and mobile device benefits.
No emergency medical coverage abroad. You would need a separate travel health policy for any out-of-country medical care. 🔴 Financial exposure: a hospital stay or medical evacuation abroad can exceed $100,000 with no coverage from this card.
What's not covered
- Emergency medical care is not a benefit of this card
No emergency evacuation or repatriation benefit. Commercial medical evacuation and repatriation of remains are not covered. 🔴 Financial exposure: air evacuation from a remote destination can exceed $200,000.
What's not covered
- Evacuation and repatriation are not benefits of this card
No trip interruption coverage. If your trip is cut short, unused non-refundable prepaid expenses are not reimbursed. 🟠 Financial exposure: an early return due to illness can cost $3,000–$10,000.
What's not covered
- Trip interruption is not a benefit of this card
No trip delay reimbursement. Flight delays, extra hotel nights and meals are not covered. 🟡 Financial exposure: an overnight delay with hotel and meals can reach $400–$600.
What's not covered
- Trip delay is not a benefit of this card
No missed connection coverage. If a delayed inbound flight makes you miss a connection, rebooking costs are not covered. 🟡 Financial exposure: last-minute rebooking on a missed connection can cost $300–$800.
What's not covered
- Missed connection is not a benefit of this card
No early return benefit. The cost of returning home early because of an emergency is not covered. 🟠 Financial exposure: a last-minute one-way flight home can cost $1,000–$3,000.
What's not covered
- Early return is not a benefit of this card
No baggage delay coverage. Essential items bought when your checked bags are delayed are not reimbursed. 🟡 Financial exposure: replacing clothing and toiletries during a delay can cost $200–$500.
What's not covered
- Baggage delay is not a benefit of this card
No lost or stolen baggage coverage. Luggage and personal items lost, stolen or damaged in transit are not covered. 🟡 Financial exposure: replacing a lost suitcase and contents can exceed $1,500.
What's not covered
- Lost/stolen baggage is not a benefit of this card
No common carrier travel accident coverage. There is no accidental death or dismemberment benefit while travelling on a plane, train, bus or boat. 🟡 Financial exposure: this card pays no travel accident benefit.
What's not covered
- Travel accident coverage is not a benefit of this card
No hotel or motel burglary coverage. Personal belongings stolen from your room are not covered. 🟡 Financial exposure: theft of valuables from a room can cost $500–$2,000.
What's not covered
- Hotel/motel burglary is not a benefit of this card
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 ION+ Visa wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Compare
ION+ VisaThis card0.3/5?
$48/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
$150 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the RBC ION+ Visa stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most ION+ Visa shoppers also consider.
| Card | This card ION+ Visa RBC · $48/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.
Emergency · Card assistance line
How to contact RBC ION+ Visa assistance?
Allianz Global Assistance handles all assistance and claims for the card's purchase, warranty and mobile device benefits.
From Canada & the U.S.
1-800-533-2778
Toll-free · 24/7
From anywhere else in the world
905-816-2581
Collect · 24/7
Benefit administrator: AZGA Service Canada Inc., operating as Allianz Global Assistance
Claims & pre-authorizations
How to make a claim
1
Call Allianz Global Assistance as soon as the loss occurs: 1-800-533-2778 (toll-free in Canada and the U.S.) or 905-816-2581 (collect from anywhere in the world).
2
Obtain supporting documentation — a police, fire or homeowner's insurance report as applicable. For a lost or stolen mobile device, notify your wireless provider to suspend service within 48 hours and report theft to police on the day of loss.
3
Do not repair or replace a mobile device before receiving approval, or the claim will be ineligible.
4
Submit the completed claim form with itemized receipts and proof the item was paid in full with your RBC ION+ Visa card and/or Avion points. Claims can be filed at 1-800-464-3211.
FAQ
What people ask about the RBC ION+ Visa
- No. The RBC ION+ Visa carries no travel insurance of any kind — there is no emergency medical, trip cancellation, trip interruption, trip or baggage delay, lost baggage or common carrier travel accident coverage. If you travel, you need to buy a separate travel insurance policy.
- No. There is no out-of-country emergency medical coverage on this card. A hospital stay or medical evacuation abroad can cost well over $100,000, so travellers should arrange standalone emergency medical travel insurance.
- No. The ION+ Visa does not provide a collision/loss damage waiver for rental cars. You would have to accept the rental agency's CDW (typically $20–$30 per day) or rely on a separate policy.
- Three non-travel benefits: Purchase Security (loss or accidental damage for 90 days, up to $50,000 per year), Extended Warranty (doubles the manufacturer's warranty by up to one year), and Mobile Device Insurance (up to $1,000). All apply whether you pay with the card or with Avion points.
- Up to $1,000 per claim for a phone, smartphone or tablet bought in full with the card and/or Avion points, covering loss, theft, accidental damage and mechanical failure for two years. Coverage starts only 91 days after purchase, payouts are reduced by 2% monthly depreciation plus a 10% deductible, and you are limited to one claim per 12 months.
- No. Purchase Security is excess (last payor) insurance. Any other coverage — for example your homeowner's or tenant's insurance — pays first, and this card typically covers only the deductible or remaining balance.
- No. Neither trip cancellation nor trip interruption is covered. If you cancel or cut short a prepaid trip, your non-refundable costs are entirely at your expense.
- AZGA Service Canada Inc., operating as Allianz Global Assistance, administers all assistance and claims. Call 1-800-533-2778 toll-free in Canada and the U.S., or 905-816-2581 collect from elsewhere; claims can be filed at 1-800-464-3211.
Not just RBC
Other cards worth considering
ION+ Visa is a strong choice — but depending on what you prioritize, one of these may suit you better.
Rewards World Elite Mastercard
BMO
WestJet World Elite Mastercard
RBC
Aeroplan Reserve
American Express
Aeroplan Visa Infinite
CIBC
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