RBC TRAVEL INSURANCE IS NO MORE THAN A SCAM LONG STORY SHORT IT DOSN'T MATTER WHAT KIND OF POLICY YOU PAY FOR CHEAP OR EXPENSIVE YOU WILL BE ALL ON YOUR OWN IN A FORIGEN COUNTRY THEY WON'T PICK UP THE PHONE AND IF YOUR LUCKY ENOUGH AND THEY DECIDED TO ANSWER YOUR CALL YOU WILL ONLY GET THE RUN AROUND NO COVERAGE AT ALL!!!! TOTAL SCAM!!!!!!!!!!!!!!! EVERYTHING THEY CLAIM IS COVERED IS NOT COVERED ONCE YOU ARE IN TROUBLE AND LOOKING FOR HELP AND COMPENSATION BEWARE DON'T WAST YOUR TIME AND MONEY WITH THESE CROOKS!!!!!!!!! PLEASE AVOID THE HEADACHE AND THE FRUSTRATION OF DEALING WITH RBC TRAVEL INSURANCE!!!!!!!!!!!!!!! PS: I'VE CLOSED ALL MY BANK ACCOUNTS AND CANCELED ALL MY CREDIT CARDS WITH RBC.