Wifi calling and Rogers Canada

I have avoided setting these up for as long as possible, but they are inevitable. I do all business and banking prior to travel and as I often change out sim cards I can't expect to get texts. Instead, I try to set up codes to be received via email, that allows me to get them regardless of location and phone number.

I can't comment on your carrier specifically, but carriers don't normally charge for roaming access, only for usage. So that means you shouldn't be charged to receive a text message, only to send one, or to make and receive voice calls via the standard phone network. Incidentally it doesn't matter where the text originated from.

If you haven't used roaming previously, you may need to activate it before departure, either by calling your carrier, or via their app/web site.

Also, many banks are moving to app based authentication for two factor authentication, as it is more secure that text. You may want to see whether your bank supports this. Google certainly does - it pushes an authentication request to your phone via app, rather than using text.

Often sites with 2 step authorizations offer a choice of having the code sent by text or email. Would it help your travel plan to get it by email?

I'd be okay if I had the option for email, but that's not what I'm finding. Text or phone call. I'm more interested in if wifi calling would eliminate this problem.

My understanding is in theory, yes, but it is network-dependent, ie some carriers geoblock wifi calling when the user is overseas. Having said that, it appears your carrier does not geoblock:

"If you are using WiFi Calling while outside of Canada, the following will be deducted from your airtime and messaging limits included in your wireless plan without incurring any long distance or roaming charges:

Incoming calls and messages received from anywhere in the world
Outgoing calls and messages made or sent by you to a Canadian number.'

https://www.rogers.com/support/mobility/wifi-calling-everything-you-need-to-know#how-is-wifi-calling-billed-when-i-am-travelling-outside-of-canada-