RBC® Avion® Visa Infinite Privilege Card

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

Coverage Area	Covered?	Limit	Conditions	Exclusions
emergency medical Start Claim	✅ Yes	Unlimited	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	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
travel accident Start Claim	✅ Yes	$500,000	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	Self-inflicted injuries or suicide Act of war or terrorism Active military service Pilots or crew members Abuse of alcohol or drugs
trip cancellation Start Claim	✅ Yes	$2,500 per person	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	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
trip interruption Start Claim	✅ Yes	$5,000 per person	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	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
trip delay Start Claim	✅ Yes	$1,000 total ($500 per day)	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	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
lost baggage Start Claim	✅ Yes	$2,500 total	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	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
delayed baggage Start Claim	✅ Yes	$750 per person / $3,000 max	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	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
rental car Start Claim	✅ Yes	Actual Cash Value	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	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
cell phone protection Start Claim	✅ Yes	$1,500 Ded: 10% of depreciated value	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	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
purchase protection Start Claim	✅ Yes	$50,000 per year	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	Living plants or animals Consumables or perishables Money, travelers cheques, or tickets Jewelry in checked baggage Motorized vehicles and drones
extended warranty Start Claim	✅ Yes	$50,000 per year	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	Items purchased for commercial use Motorized vehicles Items with lifetime warranties Used or refurbished items Living plants or animals

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