🇨🇦 CIBC Aeroplan® Visa Infinite* Card
Annual Fee: $139
Issuer: CIBC
Policy Version: July 2025
Last Updated: 2026-02-08
Policy Information
Claims Contact
- website: cibc.client.insure
- phone domestic: 1-866-363-3338
- phone international: +905-403-3338
Global Limits
- who is covered: Cardholder, spouse, and dependent children
- trip duration limit: 15 days for age 64 and under; 3 days for age 65 and over
Coverage Summary
Conditions
- • Must be a resident of Canada and covered by a government health insurance plan.
- • Must call Global Excel before seeking treatment.
- • Trip must begin and end in your province of residence.
- • Coverage extends automatically for hospitalization or transportation delays.
Exclusions
- × Medical conditions that were not stable in the 90 days before departure (180 days if age 65+).
- × Pregnancy or childbirth occurring 9 weeks before or after expected delivery date.
- × Routine pre-natal care.
- × High-risk sports like scuba diving (without certification), parachuting, or rock climbing.
- × Alcohol abuse or drug overdose.
Conditions
- • Must be a resident of Canada.
- • At least 75% of the ticket price must be charged to the card.
- • Loss must occur within 365 days of the accident.
Exclusions
- × Self-inflicted injuries or suicide.
- × Sickness or disease.
- × Commission of a criminal offence.
- × War or acts of war.
Conditions
- • Must contact Global Excel on the day the cause of cancellation occurs.
- • Covers non-refundable and non-transferable prepaid travel arrangements.
- • Coverage applies to expenses charged to the card or paid with points.
Exclusions
- × Medical conditions not stable in the 90 days before the effective date.
- × Known reasons that might prevent travel at time of booking.
- × Travel to visit an ailing person where that person's condition causes the claim.
- × Pregnancy complications 9 weeks before/after due date.
Conditions
- • Reimburses unused prepaid arrangements and/or extra transportation costs.
- • Must be a resident of Canada.
- • Contact Global Excel immediately upon interruption.
Exclusions
- × Unstable medical conditions (90 day lookback).
- × Travel contrary to medical advice.
- × Self-inflicted injuries or suicide.
- × Participation in professional sports or motorized racing.
Conditions
- • Delay must be due to strike, weather, mechanical breakdown, or air traffic congestion.
- • Must charge at least 75% of the fare to the card or points.
- • Covers reasonable living expenses, transportation, and entertainment.
Exclusions
- × Delays caused by criminal acts committed by you.
- × War or acts of war.
- × Failure of a device to correctly read date/time data.
Conditions
- • Purchases must be for essential clothing and toiletries.
- • Items must be purchased within 4 days of the delay occurrence.
- • At least 75% of the fare must be charged to the card or points.
Exclusions
- × Purchases made after baggage is returned.
- × delays caused by criminal acts.
- × War or acts of war.
Conditions
- • Baggage must be checked with or carried on a common carrier.
- • At least 75% of the fare must be charged to the card or points.
- • Payment is based on actual replacement cost or actual cash value.
Exclusions
- × Animals, sporting equipment (except golf/ski/tennis), cameras, eyeglasses.
- × Money, securities, tickets, and valuable papers.
- × Confiscation by government authorities.
- × Loss during commuting.
Conditions
- • Must initiate and complete transaction with the card.
- • Must decline the rental agency's CDW/LDW.
- • Covers theft, loss, or damage up to actual cash value.
- • Only covers one rental vehicle at a time.
Exclusions
- × Trucks, pick-up trucks, or off-road vehicles.
- × Vans/cargo vans (except mini-vans).
- × Motorcycles, mopeds, or trailers.
- × Vehicles with MSRP over $85,000.
- × Driving while intoxicated.
Conditions
- • Full purchase price or financed payments must be charged to the card.
- • Coverage limited to 2 years from purchase.
- • Max 1 claim per 12 months, 2 claims per 48 months.
- • Depreciation of 2% per month applies.
Exclusions
- × Accessories and batteries.
- × Laptop computers.
- × Cosmetic damage.
- × Mysterious disappearance.
- × Theft from baggage unless hand-carried.
Conditions
- • At least a portion of the purchase price must be charged to the card.
- • Lifetime liability limit of $60,000 per cardholder.
- • Items given as gifts are covered.
Exclusions
- × Cash, travelers cheques, or tickets.
- × Animals and living plants.
- × Jewelry in baggage (unless hand-carried).
- × Items for commercial business use.
- × Motorized vehicles and drones.
Conditions
- • Doubles original manufacturer warranty up to one additional year.
- • Original warranty must be valid in Canada or US.
- • At least a portion of the price must be charged to the card.
- • Valid warranties over 5 years must be registered.
Exclusions
- × Used or pre-owned items.
- × Motorized vehicles.
- × Items for commercial use.