Do you have your family covered on your next vacation?

(NC) – March break may be months away, but parents across the country are beginning to plan for a winter escape. Between deciding where to go, what to pack and how to keep the kids busy, parents can easily forget about travel insurance and how it can protect against the unexpected.

“Many Canadians believe they have comprehensive travel insurance through employment plans or credit cards, but don’t realize the limitations of that coverage,” says Rino D’Onofrio, head of Canadian Insurance Business, RBC Insurance. “It’s important they understand the coverage they have, if it extends to their family and if it will last the full duration of their trip.”

Here are a few things parents should consider:

• Are there any gaps in your travel insurance coverage? Government health plans, employee plans and credit cards may only provide a limited amount of coverage.
• Does your travel insurance extend to your children? Many employer plans have an age limit for children being covered under their parents’ insurance.
• Who will care for your child if you become ill or injured? Travel insurance can help ensure that arrangements are made for the safe return of your child back home.
• Does your existing medical insurance coverage handle up front payments? Many hospitals and treatment centres require up front payment for medical costs.
• Are you prepared to handle additional costs? Unexpected expenses such as hospital fees, an extended hotel stay and long distance phone calls can quickly add up.
• Are your baggage and personal belongings protected? It can be expensive to replace lost or stolen luggage and important travel documents.

Next time you’re making travel arrangements, ask for RBC Insurance Company of Canada. Get a quote online at www.rbcroyalbank.com/travel, visit your local RBC branch or speak with a local travel agent.

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