🇨🇦 CIBC Aeroplan® Visa Infinite Privilege* Card
Annual Fee: $599
Issuer: CIBC
Policy Version: July 2025
Last Updated: 2026-02-08
Policy Information
Claims Contact
- website: cibc.client.insure
- phone domestic: 1-855-845-0999
- phone international: 905-412-1102
Global Limits
- who is covered: Primary Cardholder, Spouse, Dependent Children, Authorized Users
- trip duration limit: 31 days (age 64 or under) / 10 days (age 65 or over)
Coverage Summary
Conditions
- • Must be a resident of Canada
- • Must be covered by a government health insurance plan
- • Coverage begins when you leave your province
- • Stability period is 90 days for age 64 and under, 180 days for age 65 and over
- • Must call Global Excel before seeking treatment
Exclusions
- × Medical conditions not stable in the 90/180 days before departure
- × Pregnancy or birth complications 9 weeks before or after expected delivery
- × Participation in professional sports or motorized racing
- × High-risk activities like scuba diving (without certification) or rock climbing
- × Alcohol abuse or drug use
Conditions
- • At least 75% of ticket price must be charged to the card
- • Must be a passenger on a common carrier
- • Covers accidental death or dismemberment
- • Loss must occur within 365 days of accident
Exclusions
- × Intentional self-inflicted injuries
- × Suicide
- × Sickness or disease
- × War or acts of war
- × Abuse of drugs or alcohol
Conditions
- • Only prepaid arrangements charged to the card are reimbursed
- • Must contact insurer on day of cancellation cause
- • Medical conditions must be stable for 90 days prior to effective date
- • Coverage begins on effective date and ends on return date
Exclusions
- × Unstable medical conditions
- × Pregnancy complications 9 weeks before/after due date
- × Travel contrary to medical advice
- × Known reasons for cancellation at time of booking
- × Professional sports participation
Conditions
- • Benefits payable if any portion of travel arrangements charged to card
- • Medical conditions must be stable for 90 days prior to departure
- • Includes reimbursement for unused prepaid arrangements and extra transportation costs
- • Includes out-of-pocket expenses up to $200 per day ($2,000 max)
Exclusions
- × Unstable medical conditions
- × Pregnancy complications 9 weeks before/after due date
- × Travel contrary to medical advice
- × Alcohol abuse or drug use
- × Professional sports participation
Conditions
- • At least 75% of the ticket price must be charged to the card
- • Delay must be 4 hours or more
- • Covered reasons include weather, strike, mechanical breakdown
- • Reimburses reasonable living, transportation, and entertainment expenses
Exclusions
- × War or acts of war
- × Criminal acts
- × Failure of devices to read date/time data
Conditions
- • At least 75% of the ticket price must be charged to the card
- • Baggage must be checked with an airline
- • Reimburses for essential items purchased within 4 days of delay
- • Must provide proof of delay from airline
Exclusions
- × Purchases made after baggage is returned
- × Purchases made more than 4 days after scheduled arrival
- × War or acts of war
- × Criminal acts
Conditions
- • At least 75% of the ticket price must be charged to the card
- • Baggage must be checked with or carried on a common carrier
- • Payment based on replacement cost if replaced, or actual cash value
- • Must verify loss with the common carrier
Exclusions
- × Animals
- × Cameras and accessory equipment
- × Eyeglasses and contact lenses
- × Furs
- × Money and securities
- × Loss during commuting
Conditions
- • Must decline rental agency's CDW/LDW
- • Full cost of rental must be charged to the card
- • Only one rental car covered at a time
- • Must inspect vehicle for damage before and after rental
Exclusions
- × Trucks and pick-up trucks
- × Vans/cargo vans (except mini-vans)
- × Limousines
- × Off-road vehicles
- × Motorcycles
- × Vehicles over $100,000 MSRP
Conditions
- • Full purchase price must be charged to card OR financed through plan with card payments
- • Coverage limited to 2 years from purchase
- • Depreciation applies (2% per month)
- • Max 4 claims per 24 months
Exclusions
- × Accessories and batteries
- × Laptop computers
- × Devices for resale or business use
- × Refurbished devices (unless warranty replacement)
- × Mysterious disappearance
Conditions
- • At least a portion of the purchase price must be charged to the card
- • Items given as gifts are covered
- • Lifetime liability limit of $60,000 per cardholder
- • Must report loss within 45 days
Exclusions
- × Cash, travellers cheques, gift cards
- × Animals and living plants
- × Jewellery in checked baggage (unless all baggage stolen)
- × Used or refurbished items
- × Motorized vehicles and parts
Conditions
- • Triples original manufacturer's warranty up to 2 additional years
- • At least a portion of purchase price must be charged to card
- • Manufacturer's warranty must be valid in Canada or US
- • Warranties over 5 years must be registered
Exclusions
- × Used or refurbished items
- × Motorized vehicles
- × Items purchased for commercial use
- × Services or dealer warranties
- × Improper installation