🇨🇦 RBC® Avion® Visa Platinum Card

Conditions

Exclusions

Conditions

• • Loss must result from an accident while on a common carrier
• • Ticket must be paid in full with the card or points
• • Loss must occur within 365 days of the accident
• • Includes loss of life, limbs, sight, speech, or hearing

Exclusions

• × Self-inflicted injury or suicide
• × War, rebellion, or nuclear contamination
• × Criminal acts or illegal activities
• × Serving in the armed forces
• × Riding as a pilot or crew member
• × Alcohol or drug abuse
• × Sickness or disease

Conditions

• • Emergency medical condition or death of you, family, or travel companion
• • Government 'Avoid Non-Essential Travel' advisories issued after booking
• • Job transfer relocating your main home
• • Missed connection due to carrier delay, accident, or road closure
• • Natural disaster making your home uninhabitable
• • Quarantine or hijacking
• • Jury duty or subpoena
• • Being called to service (military, police, fire, medical)

Exclusions

• × Medical conditions that were not stable in the 90 days before booking
• × Heart conditions if nitroglycerin was taken more than once a week
• × Lung conditions treated with oxygen or oral steroids
• × Any event you knew about before booking
• × Travel to visit a sick person if their condition causes the claim
• × Financial difficulties or simply not wanting to travel
• × Pregnancy complications within 9 weeks of due date
• × Professional sports or risky activities like skydiving
• × Criminal acts, suicide, or drug/alcohol abuse
• × COVID-19 related travel advisories

Conditions

• • Emergency medical condition or death of you, family, or travel companion
• • Government travel advisories issued after departure
• • Missed connection due to carrier delay, accident, or road closure
• • Natural disaster making your home uninhabitable
• • Quarantine or hijacking
• • Called to service (military, police, fire, medical)
• • Legal adoption scheduled during the trip

Exclusions

• × Medical conditions unstable in the 90 days prior to travel
• × Pregnancy complications within 9 weeks of due date
• × Participation in professional sports or dangerous activities
• × Criminal acts or illegal behavior
• × Self-inflicted injury or suicide
• × Alcohol or drug abuse
• × War, rebellion, or nuclear contamination
• × COVID-19 travel advisories

Conditions

• • You miss a connecting flight because your incoming flight is late and no other transport is provided
• • Your flight departure is delayed and no other transport is provided
• • You are denied boarding because the flight is overbooked and no other transport is provided

Exclusions

• × Emergency purchases made after your bags are returned
• × Not checking in your bags on time
• × Not allowing enough time for connecting flights
• × War, rebellion, or nuclear/chemical contamination
• × Criminal acts or illegal activities
• × Being stopped by immigration or authorities
• × Abuse of alcohol or drugs

Conditions

• • Baggage must be checked with an airline
• • Coverage starts 4 hours after flight arrival
• • Purchases must be for essential clothing and toiletries
• • Coverage ends when bags are returned or after 4 days

Exclusions

• × Purchases made after baggage is returned
• × Failure to check baggage on time
• × Losses at the final destination of your return trip
• × Illegal acts or criminal offenses
• × War or contamination
• × Alcohol or drug abuse

Conditions

Exclusions

Conditions

• • You must pay the full cost with your card or points
• • You must decline the rental agency's collision/loss damage waiver
• • Coverage is limited to one vehicle at a time
• • You must check the vehicle for damage before driving
• • You must report damage to the rental agency and insurer immediately

Exclusions

• × Third-party liability (injury to others or their property)
• × Personal injury
• × Intoxicated driving
• × Off-road driving
• × Vehicles used for racing or speed tests
• × Wear and tear or mechanical breakdown
• × Commercial use or carrying passengers for hire

Conditions

Exclusions

Conditions

• • Items must be paid in full with the card or points
• • Covers loss or accidental physical damage
• • Gifts to family members are covered
• • Coverage is excess to other insurance (e.g., homeowners)

Exclusions

• × Living plants or animals
• × Consumable or perishable items
• × Money, tickets, or gift cards
• × Jewelry in checked baggage
• × Motorized vehicles and drones
• × Business property
• × Mysterious disappearance
• × Wear and tear
• × Flood, earthquake, or weather damage

Conditions

• • Item must be paid in full with the card or points
• • Original manufacturer's warranty must be valid in Canada
• • Total warranty period cannot exceed 5 years
• • Must notify insurer before starting repairs

Exclusions

• × Motorized vehicles
• × Items for commercial use
• × Items with lifetime warranties
• × Used or pre-owned items
• × Living plants or animals