🇨🇦 RBC® Avion® Visa Infinite Privilege Card
Annual Fee: $399
Issuer: RBC
Policy Version: November 2023
Last Updated: 2026-02-08
Policy Information
Claims Contact
- website: www.rbcinsurance.com
- phone domestic: 1-866-774-2878
- phone international: 905-816-2584
Global Limits
- who is covered: Cardholder, Spouse, Dependent Children, Additional Cardholders
- trip duration limit: 31 days (under age 65) or 7 days (age 65 and older)
Coverage Summary
Conditions
- • You must be a permanent resident of Canada
- • You must have a valid government health insurance plan
- • You must call the insurer before receiving emergency treatment
- • Coverage extends if you are hospitalized or delayed by a common carrier
Exclusions
- × Conditions that were not stable in the 90 days before travel (180 days if age 75+)
- × Trips taken against medical advice
- × Routine care or elective treatments
- × Injuries from high-risk sports like mountain climbing or skydiving
- × Pregnancy complications within 9 weeks of due date
Conditions
- • Must be travelling on a common carrier (plane, train, ship)
- • Full fare must be paid with card or Avion points
- • Loss must occur within 365 days of accident
- • Coma exclusions apply for payments
Exclusions
- × Self-inflicted injuries or suicide
- × Act of war or terrorism
- × Active military service
- × Pilots or crew members
- × Abuse of alcohol or drugs
Conditions
- • Trip must be paid in full with card or Avion points
- • You must cancel with the travel provider immediately (next business day) after the cause occurs
- • You must notify the insurer immediately
- • 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 whose condition causes the claim
- × Financial difficulties or unwillingness to travel
- × Pregnancy complications within 9 weeks of due date
- × Travel advisories related to COVID-19
Conditions
- • Trip must be paid in full with card or Avion points
- • Covers unused prepaid arrangements and transport home
- • Travel must be undertaken when medically possible
- • Report to insurer immediately
Exclusions
- × Pre-existing conditions not stable for 90 days prior to travel
- × Participation in professional sports or high-risk activities
- × Criminal offenses or illegal acts
- × Chronic use of alcohol or drugs
- × Travel against government advice regarding COVID-19
Conditions
- • Full cost of ticket must be paid with card or Avion points
- • Delay must be due to missed connection, delayed flight departure, or denied boarding
- • No alternative transportation was made available by the airline
- • You must have checked in with the air carrier
Exclusions
- × Delays caused by insufficient connection time booked
- × Denied boarding due to immigration or authorities
- × Criminal acts or illegal activities
- × War, rebellion, or nuclear contamination
- × Losses incurred at the final destination of the return trip
Conditions
- • Coverage applies to emergency purchases of essentials
- • Full ticket cost must be paid with card or Avion points
- • Baggage must be checked with an air carrier
- • Must obtain a delay report from the airline
Exclusions
- × Purchases made after baggage is returned
- × Losses at the final destination of the return trip
- × Failure to check baggage within minimum time guidelines
- × Denied boarding by authorities
Conditions
- • Full cost of ticket must be paid with card or Avion points
- • Baggage must be checked or carried on board
- • Loss must occur while in transit
- • Must obtain a report from the air carrier
Exclusions
- × Animals, perishables, and household effects
- × Money, tickets, securities, and documents
- × Professional or occupational items
- × Wear and tear or gradual deterioration
- × Illegal acts or confiscation by authorities
Conditions
- • Must decline rental agency's collision/loss damage waiver
- • Must pay full rental cost with card or Avion points
- • Coverage is for one vehicle at a time
- • Must report damage to police and insurer
Exclusions
- × Trucks, pick-up trucks, and cargo vans
- × Vehicles used for commercial delivery or Uber/Lyft
- × Exotic vehicles (Ferrari, Porsche, etc.)
- × Off-road use
- × Driving while intoxicated
Conditions
- • Coverage applies to new devices purchased with card
- • Also covers devices funded by a plan if monthly bills are paid with card
- • Limit of 2 claims per 12 months (4 per 48 months)
- • Must obtain approval before repairing or replacing
Exclusions
- × Accessories and batteries
- × Devices purchased for business use or resale
- × Refurbished or used devices
- × Cosmetic damage not affecting functionality
- × Theft from baggage unless hand-carried
Conditions
- • Item must be paid in full with card or Avion points
- • Covers loss or accidental physical damage
- • Coverage is excess to other insurance (e.g. homeowner's)
- • Gifts given to family members are covered
Exclusions
- × Living plants or animals
- × Consumables or perishables
- × Money, travelers cheques, or tickets
- × Jewelry in checked baggage
- × Motorized vehicles and drones
Conditions
- • Triples the original manufacturer's warranty up to 2 extra years
- • Total warranty (original + extended) cannot exceed 5 years
- • Original warranty must be valid in Canada
- • Item must be paid in full with card or Avion points
Exclusions
- × Items purchased for commercial use
- × Motorized vehicles
- × Items with lifetime warranties
- × Used or refurbished items
- × Living plants or animals