🇨🇦 RBC® Avion® Visa Infinite Card

Conditions

• • Coverage limited to first 3 days for persons age 65 or older
• • Must call insurer before receiving treatment or coverage is reduced
• • Must be a permanent resident of Canada covered by a government health plan
• • Top-up coverage available for trips longer than 15 days (or 3 days if 65+)

Exclusions

• × Medical conditions not stable in the 90 days prior to departure (180 days if age 75+)
• × Routine care of a chronic condition
• × Participation in professional sports or hazardous activities like mountain climbing
• × Travel against physician advice

Conditions

• • Loss must result from an accidental bodily injury while on a common carrier
• • Ticket must be paid in full with the card or points
• • Includes benefits for loss of limbs, sight, speech, or hearing

Exclusions

• × Self-inflicted injury or suicide
• × Act of war or terrorism
• × Pilots or crew members
• × Sickness or disease

Conditions

• • Trip must be prepaid and fully charged to the card or points
• • Must cancel travel arrangements immediately upon cause of cancellation
• • Coverage applies to non-refundable prepaid travel arrangements

Exclusions

• × Known or anticipated events prior to booking
• × Travel for the purpose of visiting an ill person who causes the claim
• × Financial difficulties or unwillingness to travel
• × Pregnancy complications within 9 weeks of due date

Conditions

• • Covers unused prepaid arrangements and transportation home
• • Must call insurer immediately upon interruption
• • Includes 'Fly to Bedside' benefit for hospitalized family member

Exclusions

• × Medical conditions not stable in the 90 days prior to departure
• × Substance abuse or non-compliance with treatment
• × War, rebellion, or nuclear contamination
• × Travel paid via vouchers or non-Avion rewards

Conditions

• • Full cost of airline ticket must be paid with card or Avion points
• • Covers reasonable expenses for meals, accommodation, and essential items
• • Includes missed connections, delayed flight departure, or denied boarding
• • Daily limit of $250 per person

Exclusions

• × Delays due to insufficient connection time
• × Operational delays not specified as covered
• × Expenses incurred at final destination
• × Denied boarding by immigration officials

Conditions

• • Covers emergency purchases of essential clothing and toiletries
• • Baggage must be checked with an air carrier
• • Maximum coverage is $2,500 total per occurrence for all covered persons

Exclusions

• × Purchases made after baggage is returned
• × Losses at the final destination of the return trip
• × Failure to check baggage within carrier guidelines

Conditions

Exclusions

Conditions

• • Must decline rental agency's collision/loss damage waiver
• • Full cost of rental must be charged to card or paid with points
• • Coverage limited to one rental vehicle at a time
• • Must report claim within 48 hours

Exclusions

• × Trucks, pick-up trucks, and cargo vans
• × Luxury vehicles over $65,000 MSRP
• × Off-road driving
• × Antique or exotic vehicles

Conditions

• • Coverage lasts 2 years from purchase date
• • Must charge full price or all monthly bill payments to the card
• • Limit of 1 claim per 12 months, 2 claims per 48 months
• • Depreciation of 2% per month applies

Exclusions

• × Accessories and batteries
• × Cosmetic damage not affecting functionality
• × Devices for business use or resale
• × Unexplained loss (mysterious disappearance)

Conditions

• • Items must be paid in full with the card or points
• • Coverage is excess to other insurance (e.g., homeowner's)
• • Covers loss or accidental physical damage

Exclusions

• × Money, travelers cheques, and gift cards
• × Living plants or animals
• × Consumable or perishable items
• × Wear and tear or mysterious disappearance

Conditions

• • Doubles original manufacturer warranty up to 1 year
• • Combined warranty cannot exceed 5 years
• • Item must be paid in full with card or points
• • Manufacturer warranty must be valid in Canada

Exclusions

• × Items intended for commercial use
• × Motorized vehicles
• × Used or refurbished items
• × Items with lifetime warranties