CIBC Aeroplan® Visa Infinite* Card

Canadian Flag 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

Coverage Area Covered? Limit Conditions Exclusions
emergency medical Start Claim
✅ Yes
$5,000,000
  • 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.
  • 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.
travel accident Start Claim
✅ Yes
$500,000
  • 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.
  • Self-inflicted injuries or suicide.
  • Sickness or disease.
  • Commission of a criminal offence.
  • War or acts of war.
trip cancellation Start Claim
✅ Yes
$1,500 per person / $5,000 total
  • 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.
  • 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.
trip interruption Start Claim
✅ Yes
$2,000
  • Reimburses unused prepaid arrangements and/or extra transportation costs.
  • Must be a resident of Canada.
  • Contact Global Excel immediately upon interruption.
  • Unstable medical conditions (90 day lookback).
  • Travel contrary to medical advice.
  • Self-inflicted injuries or suicide.
  • Participation in professional sports or motorized racing.
trip delay Start Claim
✅ Yes
$500
  • 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.
  • Delays caused by criminal acts committed by you.
  • War or acts of war.
  • Failure of a device to correctly read date/time data.
lost baggage Start Claim
✅ Yes
$500 per person / $1,000 aggregate
  • 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.
  • Animals, sporting equipment (except golf/ski/tennis), cameras, eyeglasses.
  • Money, securities, tickets, and valuable papers.
  • Confiscation by government authorities.
  • Loss during commuting.
delayed baggage Start Claim
✅ Yes
$500 per person / $1,000 aggregate
  • 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.
  • Purchases made after baggage is returned.
  • delays caused by criminal acts.
  • War or acts of war.
rental car Start Claim
✅ Yes
$85,000
  • 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.
  • 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.
cell phone protection Start Claim
✅ Yes
$1,000
Ded: 10% of depreciated value
  • 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.
  • Accessories and batteries.
  • Laptop computers.
  • Cosmetic damage.
  • Mysterious disappearance.
  • Theft from baggage unless hand-carried.
purchase protection Start Claim
✅ Yes
Purchase price
  • 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.
  • Cash, travelers cheques, or tickets.
  • Animals and living plants.
  • Jewelry in baggage (unless hand-carried).
  • Items for commercial business use.
  • Motorized vehicles and drones.
extended warranty Start Claim
✅ Yes
Purchase price
  • 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.
  • Used or pre-owned items.
  • Motorized vehicles.
  • Items for commercial use.

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