🇨🇦 CIBC Aventura® Visa Infinite Privilege* Card
Annual Fee: $499
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 covered by a government health insurance plan.
- • Must call Global Excel before seeking treatment.
- • Coverage must be in effect before leaving your province.
- • Trips must be separated by a return to your province.
Exclusions
- × Medical conditions not stable in the 90 days before departure (180 days for age 65+).
- × Travel for the purpose of receiving medical care.
- × Pregnancy or birth within 9 weeks of expected delivery date.
- × Participation in professional sports or high-risk activities like scuba diving without certification.
- × Expenses incurred in a region with a government travel advisory issued before departure.
Conditions
- • At least 75% of ticket price must be charged to the card.
- • Must be a passenger on a licensed common carrier.
Exclusions
- × Intentional self-inflicted injuries or suicide.
- × Sickness or disease.
- × Commission of a criminal offence.
- × War or acts of war.
Conditions
- • Must cancel trip with travel supplier as soon as cause of cancellation occurs.
- • Must contact insurer on day of cancellation or next business day.
- • Only covers prepaid travel arrangements charged to the card.
Exclusions
- × Unstable medical conditions in the 90 days before effective date.
- × Pregnancy complications within 9 weeks of due date.
- × Travel to visit an ailing person where that person's condition causes the claim.
- × Travel advisory issued before departure.
- × Professional sports participation.
Conditions
- • Coverage applies if any portion of prepaid travel arrangements is charged to the card.
- • Must contact insurer immediately.
Exclusions
- × Unstable medical conditions in the 90 days before departure.
- × Participation in professional sports or high-risk activities.
- × Travel advisory issued before departure.
- × Pregnancy complications within 9 weeks of due date.
Conditions
- • Fare must be charged to the card (at least 75% of ticket price).
- • Delay must be result of strike, quarantine, civil commotion, hijack, natural disaster, weather, mechanical breakdown, or air traffic congestion.
- • Must provide receipts for expenses.
Exclusions
- × Criminal acts committed by you.
- × War or acts of war.
- × Failure of any device to correctly read date/time data.
Conditions
- • At least 75% of ticket price must be charged to the card.
- • Items must be purchased within 4 days of delay occurrence.
- • Baggage must be in custody of an airline.
Exclusions
- × Purchases made after baggage is returned.
- × Purchases made more than 4 days after scheduled arrival.
Conditions
- • At least 75% of ticket price must be charged to the card.
- • Payment based on actual replacement cost if replaced, otherwise actual cash value.
Exclusions
- × Animals, sporting equipment (except golf/ski/tennis gear), cameras, eyeglasses, contact lenses.
- × Money, securities, tickets, valuable papers.
- × Confiscation by government or customs.
- × Loss during commuting.
Conditions
- • Must initiate and complete rental with the same card.
- • Full cost must be charged to the card or paid with points.
- • Must decline rental agency's Collision Damage Waiver (CDW/LDW).
- • Only one rental car covered at a time.
Exclusions
- × Vehicles with MSRP over $100,000.
- × Trucks, pick-up trucks, off-road vehicles.
- × Motorcycles, mopeds, trailers, campers, RVs.
- × Vans or cargo vans (except mini-vans).
- × Operation while intoxicated.
Conditions
- • Full purchase price charged to card OR financed with card through provider plan.
- • Coverage limited to 2 years from purchase.
- • Max 4 claims in any 24-month period.
- • Device must be activated with a Canadian wireless provider if it has cellular data.
Exclusions
- × Accessories (batteries, cases).
- × Laptop computers.
- × Devices purchased for resale or business use.
- × Cosmetic damage.
- × Mysterious disappearance.
Conditions
- • At least a portion of the purchase price must be charged to the card.
- • Items given as gifts are covered.
- • Maximum lifetime liability of $60,000 per cardholder.
Exclusions
- × Travellers cheques, cash, tickets, negotiable instruments.
- × Animals and living plants.
- × Jewelry in baggage (unless hand carried).
- × Items for commercial use.
- × Motorized vehicles (except children's electric vehicles).
Conditions
- • At least a portion of the purchase price must be charged to the card.
- • Original manufacturer's warranty must be valid in Canada or US.
- • Valid warranties over five years must be registered within first year.
Exclusions
- × Items for commercial use.
- × Motorized vehicles.
- × Used or refurbished items.
- × Improper installation or alteration.