RBC® Avion® Visa Platinum Card

RBC® Avion® Visa Platinum 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: Applicant, Spouse, Dependent Children, Additional Cardholders

Coverage Summary

Coverage Area	Covered?	Limit	Conditions	Exclusions
emergency medical	❌ No	—	—	—
travel accident Start Claim	✅ Yes	$500,000	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	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
trip cancellation Start Claim	✅ Yes	$1,000 per person	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)	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
trip interruption Start Claim	✅ Yes	$2,500 per person	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	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
trip delay Start Claim	✅ Yes	$250 per day	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	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
lost baggage	❌ No	—	—	—
delayed baggage Start Claim	✅ Yes	$500 per person	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	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
rental car Start Claim	✅ Yes	Actual Cash Value	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	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
cell phone protection	❌ No	—	—	—
purchase protection Start Claim	✅ Yes	$50,000	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)	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
extended warranty Start Claim	✅ Yes	Doubles warranty up to 1 year	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	Motorized vehicles Items for commercial use Items with lifetime warranties Used or pre-owned items Living plants or animals

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