CIBC Aeroplan® Visa Infinite Privilege* Card

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

Coverage Area	Covered?	Limit	Conditions	Exclusions
emergency medical Start Claim	✅ Yes	$5,000,000	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	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
travel accident Start Claim	✅ Yes	$500,000	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	Intentional self-inflicted injuries Suicide Sickness or disease War or acts of war Abuse of drugs or alcohol
trip cancellation Start Claim	✅ Yes	$2,500 per person / $10,000 combined	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	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
trip interruption Start Claim	✅ Yes	$5,000 per person / $25,000 combined	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)	Unstable medical conditions Pregnancy complications 9 weeks before/after due date Travel contrary to medical advice Alcohol abuse or drug use Professional sports participation
trip delay Start Claim	✅ Yes	$500 per person / $1,000 aggregate	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	War or acts of war Criminal acts Failure of devices to read date/time data
lost baggage Start Claim	✅ Yes	$1,000 per person / $2,500 aggregate	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	Animals Cameras and accessory equipment Eyeglasses and contact lenses Furs Money and securities Loss during commuting
delayed baggage Start Claim	✅ Yes	$500 per person / $1,000 aggregate	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	Purchases made after baggage is returned Purchases made more than 4 days after scheduled arrival War or acts of war Criminal acts
rental car Start Claim	✅ Yes	$100,000 MSRP	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	Trucks and pick-up trucks Vans/cargo vans (except mini-vans) Limousines Off-road vehicles Motorcycles Vehicles over $100,000 MSRP
cell phone protection Start Claim	✅ Yes	$1,500 Ded: 10% of depreciated value	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	Accessories and batteries Laptop computers Devices for resale or business use Refurbished devices (unless warranty replacement) Mysterious disappearance
purchase protection Start Claim	✅ Yes	Cost of repair or actual cash value	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	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
extended warranty Start Claim	✅ Yes	Purchase price	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	Used or refurbished items Motorized vehicles Items purchased for commercial use Services or dealer warranties Improper installation

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