CIBC Aventura® Visa Infinite Privilege* Card

Canadian Flag 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

Coverage Area Covered? Limit Conditions Exclusions
emergency medical Start Claim
✅ Yes
$5,000,000
  • 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.
  • 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.
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 licensed common carrier.
  • Intentional self-inflicted injuries or suicide.
  • Sickness or disease.
  • Commission of a criminal offence.
  • War or acts of war.
trip cancellation Start Claim
✅ Yes
$2,500
  • 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.
  • 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.
trip interruption Start Claim
✅ Yes
$5,000
  • Coverage applies if any portion of prepaid travel arrangements is charged to the card.
  • Must contact insurer immediately.
  • 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.
trip delay Start Claim
✅ Yes
$500 per person ($1,000 aggregate)
  • 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.
  • Criminal acts committed by you.
  • War or acts of war.
  • Failure of any device to correctly read date/time data.
lost baggage Start Claim
✅ Yes
$1,000 per person ($2,500 aggregate)
  • At least 75% of ticket price must be charged to the card.
  • Payment based on actual replacement cost if replaced, otherwise actual cash value.
  • 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.
delayed baggage Start Claim
✅ Yes
$500 per person ($1,000 aggregate)
  • 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.
  • Purchases made after baggage is returned.
  • Purchases made more than 4 days after scheduled arrival.
rental car Start Claim
✅ Yes
Actual Cash Value up to $100,000 MSRP
  • 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.
  • 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.
cell phone protection Start Claim
✅ Yes
$1,500
Ded: 10%
  • 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.
  • Accessories (batteries, cases).
  • Laptop computers.
  • Devices purchased for resale or business use.
  • Cosmetic damage.
  • Mysterious disappearance.
purchase protection Start Claim
✅ Yes
Purchase price, repair cost, or actual cash value
  • 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.
  • 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).
extended warranty Start Claim
✅ Yes
Triple manufacturer's warranty
  • 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.
  • Items for commercial use.
  • Motorized vehicles.
  • Used or refurbished items.
  • Improper installation or alteration.

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