RBC® Avion® Visa Infinite Card

RBC® Avion® Visa Infinite Card

Annual Fee: $120

Issuer: RBC

Policy Version: November 2023

Last Updated: 2026-02-08

Policy Information

Claims Contact

website: www.rbcinsurance.com
phone domestic: 1-800-533-2778
phone international: 905-816-2581

Global Limits

who is covered: Cardholder, spouse, dependent children, additional cardholders
trip duration limit: 15 days

Coverage Summary

Coverage Area	Covered?	Limit	Conditions	Exclusions
emergency medical Start Claim	✅ Yes	Unlimited	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+)	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
travel accident Start Claim	✅ Yes	$500,000	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	Self-inflicted injury or suicide Act of war or terrorism Pilots or crew members Sickness or disease
trip cancellation Start Claim	✅ Yes	$1,500	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	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
trip interruption Start Claim	✅ Yes	$5,000	Covers unused prepaid arrangements and transportation home Must call insurer immediately upon interruption Includes 'Fly to Bedside' benefit for hospitalized family member	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
trip delay Start Claim	✅ Yes	$500	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	Delays due to insufficient connection time Operational delays not specified as covered Expenses incurred at final destination Denied boarding by immigration officials
lost baggage	❌ No	—	—	—
delayed baggage Start Claim	✅ Yes	$500	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	Purchases made after baggage is returned Losses at the final destination of the return trip Failure to check baggage within carrier guidelines
rental car Start Claim	✅ Yes	$65,000	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	Trucks, pick-up trucks, and cargo vans Luxury vehicles over $65,000 MSRP Off-road driving Antique or exotic vehicles
cell phone protection Start Claim	✅ Yes	$1,500 Ded: 10% of depreciated value	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	Accessories and batteries Cosmetic damage not affecting functionality Devices for business use or resale Unexplained loss (mysterious disappearance)
purchase protection Start Claim	✅ Yes	$50,000	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	Money, travelers cheques, and gift cards Living plants or animals Consumable or perishable items Wear and tear or mysterious disappearance
extended warranty Start Claim	✅ Yes	$50,000	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	Items intended for commercial use Motorized vehicles Used or refurbished items Items with lifetime warranties

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