rbc rewards visa travel insurance

RBC ® Travel Insurance

Taking a trip see if your rbc ® credit card covers you..

In just a few minutes, you can see what travel insurance you have on your RBC credit card, whether you have enough coverage for your trip, or if you need to buy additional coverage. It’s that simple!

See what travel insurance coverage your card has:

Required Information

Which RBC credit card did you use to pay for the full cost of your trip?

Good news! Your card has some travel insurance coverage.

Your card provides some valuable travel insurance coverage for you and other covered persons (opens modal window) .

Covered Persons

Covered Persons refer to you (the cardholder), your spouse and your dependent child/children who travel with you or join you and/or your spouse on the same trip. Plus, if your card includes Trip Cancellation and Interruption insurance your dependent children who are age 16-24 can travel on their own (without you or your spouse) and be covered for Trip Cancellation and Interruption. (Note: children under 16 travelling on their own are not covered). Other travellers on the same trip are not covered under your credit card travel insurance coverage.

Covered Persons refer to you (the card applicant), your spouse and your dependent child/children who travel with you or join you and/or your spouse on the same trip. Plus, if your card includes Trip Cancellation and Interruption insurance your dependent children who are age 16-24 can travel on their own (without you or your spouse) and be covered for Trip Cancellation and Interruption. (Note: children under 16 travelling on their own are not covered). Co-applicants and authorized users are also covered but their spouse and dependent children are not covered. Other travellers on the same trip are not covered under your credit card travel insurance coverage.

Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions.

Summary of Your Card’s Coverage

• Under age 65: Unlimited coverage Disclaimer 1 for first fifteen (15) consecutive days of your trip
• Age 65+: Unlimited coverage Disclaimer 1 for first three (3) consecutive days of your trip

Out of Province/Country Emergency Medical Insurance

This insurance covers reasonable and customary expenses, in excess of any medical expenses payable by your government health insurance plan or any other insurance plan, for emergency treatment medically required during your trip as a result of a medical emergency.

This is a summary only. All travel insurance is subject to limitations and exclusions. Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions.

Trip Cancellation Insurance

This insurance protects eligible cardholders against the cost of non-refundable prepaid travel arrangements if the trip is cancelled prior to your departure, due to a covered reason. For this coverage to be effective, you must have purchased your prepaid travel arrangements with your RBC ® credit card and/or Avion ® points.

Trip Interruption Insurance

Flight delay insurance.

If you miss your connecting flight, are denied boarding or your flight is delayed, this insurance reimburses you, up to a certain maximum, for reasonable and necessary expenses you may have (for example, a hotel room or restaurant meals) as long as you have checked in with the air carrier and you paid for your airline ticket with your RBC ® credit card and/or Avion ® points.

Delayed Baggage Insurance

If your checked baggage is lost or delayed, this insurance reimburses you, up to a certain maximum, for reasonable and necessary emergency purchases that you need, as long as you paid for your airline ticket with your RBC ® credit card and/or Avion ® points.

Hotel/Motel Burglary Insurance

If you need to repair or replace personal property that has been damaged or lost due to a burglary of your hotel/motel room or cruise cabin and you are a registered guest, this insurance reimburses you, up to a certain maximum, as long as you paid for your hotel/motel room or cruise cabin with your RBC ® credit card and/or Avion ® points.

Travel Accident Insurance

This insurance covers you for accidental bodily injury or death if you are injured during an accident that occurs while you are travelling on a common carrier (such as a passenger plane) as long as you paid for these transportation arrangements with your RBC ® credit card and/or Avion ® points before departing on your trip.

Auto Rental Collision/Loss Damage Waiver Insurance

When you pay for the entire cost of the rental vehicle using your RBC ® credit card and/or Avion ® points, this Insurance covers you and/or a rental agency for loss/damages to eligible rental vehicles up to the actual cash value of the damaged or stolen rental vehicle. The length of time you rent the same vehicle must not exceed forty-eight (48) consecutive days.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Infinite Certificate of Insurance (opens PDF in new window) for complete details.

Legal Disclaimer 1) Unless otherwise noted in the Certificate of Insurance, the maximum benefit for emergency medical insurance is unlimited.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Platinum Certificate of Insurance (opens PDF in new window) for complete details.

Lost/Stolen Baggage

We will pay the covered person for loss or damage to owned baggage and personal effects used for the personal use of the covered person while in transit as checked-in baggage or carried on board the air carrier when the full cost of the airline ticket is paid with your RBC ® credit card and/or Avion ® points.

All insurance is subject to limitations and exclusions. Download the RBC ® Avion ® Visa Infinite Business ‡ Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Business Certificate of Insurance (opens PDF in new window) for complete details.

• Under age 65: Unlimited coverage Disclaimer 1 for first thirty one (31) consecutive days of your trip
• Age 65+: Unlimited coverage Disclaimer 1 for first seven (7) consecutive days of your trip

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Infinite Privilege Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Infinite Privilege for Private Banking Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC Rewards ® Visa ‡ Preferred Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC ® U.S. Dollar Visa ‡ Gold Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC ® British Airways Visa Infinite ‡ Certificate of Insurance (opens PDF in new window) for complete details.

Next Step: Tell us who is travelling so we can give you an accurate quote.

Who do you want to get a quote for?

Why we ask: Since your credit card’s travel insurance covers you, your spouse and/or your dependent children, your quote will calculate the coverage you already have on your card—saving you money!

Why we ask: Since your credit card’s travel insurance does not cover travellers other than you (the cardholder), your spouse and/or your dependent children, your quote for these travellers will not factor in your credit card coverage.

Tip: You will need to get a quote and buy travel insurance for other eligible travellers separately so that we can give you an accurate quote for everyone.

Eligibility

To be eligible for this insurance coverage, a traveller must be:

• A client of the RBC companies or a spouse or child of a client
• A Canadian resident (applicable for Emergency Medical Insurance coverage)

Travel Insurance coverage is not included on your card, but we can cover you!

Although the card you used to purchase your trip does not include coverage, you can get a quote and buy affordable travel insurance now.

We are unable to determine the travel insurance coverage on your card

We can help make sure you’re protected financially every time you travel with affordable trip cancellation and interruption insurance, emergency medical insurance and more. Get a quote and buy affordable travel insurance now.

Trip Cancellation and Interruption Insurance

Things don't always go as planned.

Protect your travel investment—just in case your trip gets cancelled or interrupted.

Get a Quote

Financial protection for your trip expenses.

Have you bought an airline ticket or made a non-refundable and/or non-transferable hotel deposit? Protect your purchase with trip cancellation and interruption insurance. This coverage protects you financially in case you get sick or an unexpected event forces you to cancel your trip, come home early or delay your return home. Here’s how it can help:

Before Departure Disclaimer 1

Trip cancellation insurance reimburses you for non-refundable and/or non-transferable deposits on pre-paid travel arrangements and cancellation penalties that a transportation carrier or tour guide may charge.

See More See Less

Policy Documents:

For complete coverage details, limitations and exclusions, see:

After Departure Disclaimer 1

Trip interruption insurance covers extra costs if you need to return home sooner or later than planned and reimburses you for non-refundable and/or non-transferable portions of unused, prepaid travel arrangements.

Other Expenses Disclaimer 1

Out of Pocket expenses reimburses you for extra expenses like a hotel, meals, taxi fares (ride sharing, or rental car in lieu of taxi fares)and more if a covered situation happens.

Do you need medical coverage, too?

Consider a travel insurance package instead if you think you may need coverage for emergency medical expenses and other situations. All of our packages include trip cancellation and interruption insurance.

Make sure you have the right travel insurance—get an online quote or talk to a licensed insurance advisor.

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[an error occurred while processing this directive] Managing Your Card > Documentation > Insurance Certificates

Trip Cancellation/Trip Interruption Insurance

Rbc visa infinite * card trip cancellation/trip interruption insurance certificate of insurance.

Introduction

IMPORTANT — PLEASE READ: This Certificate of Insurance is a valuable source of information and contains provisions that may limit or exclude coverage. Please read this Certificate of Insurance, keep it in a safe place and carry it with you when you travel.

RBC Travel Insurance Company (the "Insurer") has issued group insurance policy U-1014452-A to Royal Bank of Canada ("RBC Royal Bank"), to cover expenses related to Trip Cancellation and group insurance policy U-1014453-A to RBC Royal Bank, to cover expenses related to Trip Interruption. This Certificate of Insurance summarizes the provisions of these group insurance policies.

All italicized terms have the specific meaning explained in the "Definitions" section of this Certificate of Insurance.

How to contact Assistance Services

If you require assistance in regards to Trip Cancellation / Trip Interruption Insurance, you can contact Assured Assistance Inc. (Assured Assistance) by calling:

1-866-774-2878 toll-free from the U.S. & Canada, or 905-816-2584 collect from anywhere in the world.

Trip Cancellation / Trip Interruption Insurance will reimburse only the cancellation penalties in effect at the time of the cause of cancellation or interruption.

• When the cause of cancellation occurs before the scheduled departure from the departure point, and while coverage is in effect, the covered person must cancel the trip with the agent immediately, but no later than the next business day following the cause of cancellation.
• When the covered person is forced to interrupt or discontinue the trip due to one of the insured risks, and while coverage is in effect, the covered person must call Assured Assistance immediately.

If you are unsure or need clarification of the provisions of the Trip Cancellation / Trip Interruption Insurance, call Assured Assistance.

Definitions

Throughout this document, all italicized terms have the specific meaning explained below.

Applicant means a person who has signed and submitted an application as the applicant for an RBC Visa Infinite card and in whose name the card account is established.

Agent means a travel agent or other travelling authority licensed by the jurisdiction in which they operate.

Cancellation penalties means the amount paid with your RBC Visa Infinite card or equivalent RBC Rewards ® points which would be forfeited under the terms of the agreement made with the agent if the travel arrangements are cancelled, and for which the agent will not provide any other form of compensation.

Cardholder means any person (includes applicants, co-applicants and authorized users), to whom RBC Royal Bank has issued an RBC Visa Infinite card.

Common carrier means airline, bus, taxi, limousine, ship or train.

Covered person means the applicant , the applicant's spouse , or a dependent child who travel with or joins the applicant or the applicant's spouse on the same trip . A co-applicant or an authorized user to whom RBC Royal Bank has issued an RBC Visa Infinite card is a covered person in his/her own right. A covered person may be referred to as " you " or " your " or " yourself ". A co-applicant's or authorized user's spouse and/or dependent child are not eligible for this insurance.

Departure date means the date of your departure from your departure point .

Departure point means the province or territory you depart from on the first day of your intended trip .

Dependent child means a dependent unmarried natural, adopted, step or foster child who is

• under 26 years of age if a full-time student, or
• mentally or physically handicapped and incapable of self-sustaining employment and totally reliant on you for support and maintenance.

Effective date means the date and time of purchase of prepaid travel, accommodations and recreation arrangements and before any cancellation penalties have been incurred, provided you pay the entire cost with your RBC Visa Infinite card.

Emergency means an unforeseen event that occurs during the period of insurance and makes it necessary to receive immediate treatment from a physician or to be hospitalized .

Family means spouse , parent, step-parent, grandparent, grandchild, in-law, natural or adopted child, step-child, brother, sister, step-brother or step-sister.

Hospital means an institution licensed to treat patients on an in-patient, out-patient and emergency basis, which has an operating room and laboratory, and which is operated under the supervision of a staff of physicians . It does not include any establishment which is licensed or used principally as a clinic, extended or palliative care facility, rehabilitation facility, convalescent, rest or nursing home, home for the aged, health spa or addiction treatment centre.

Hospitalization means a stay of at least 48 hours in a hospital for emergency medical treatment, which cannot be postponed.

Key employee means an employee whose continued presence is critical to the ongoing affairs of the business during your absence.

Medical condition means accidental bodily injury or sickness (or a condition related to that accidental bodily injury or sickness), including disease, acute psychoses and complications of pregnancy occurring within the first 31 weeks of pregnancy.

Mountain climbing means the ascent or descent of a mountain requiring the use of specialized equipment, including crampons, pick-axes, anchors, bolts, carabiners and lead- or top-rope anchoring equipment.

Physician means someone who is not you or a member of your family who is licensed to prescribe drugs and administer medical treatment (within the scope of such license) at the location where the treatment is provided. A physician does not include a naturopath, herbalist or homeopath.

Return date means the date and time on which you are scheduled to return to your departure point .

Spouse means the person who is legally married to you , or has been living in a conjugal relationship with you for a continuous period of at least one year and who resides in the same household as you .

Stable means any medical condition or related condition (including any heart condition or any lung condition) for which there have been:

• no new treatment or new prescribed medication, and
• no change in treatment or change in prescribed medication (including the amount of medication to be taken, how often it is taken, the type of medication or change in treatment frequency or type), and
• no new symptom, more frequent symptom or more severe symptom experienced, and
• no test result showing a deterioration, and
• no hospitalization or referral to a specialist (made or recommended) or the results of further investigations not yet completed, for that medical condition or related condition (including any heart condition or any lung condition).

Travelling companion means the person who is sharing travel arrangements with you , and whose fare for transportation and/or accommodation was entirely prepaid at the same time as the covered person .

Trip means the period of time from your departure date up to and including your scheduled return date , as shown on your travel documents.

When does coverage begin and end?

This insurance provides coverage whenever prepaid travel, accommodations and recreation arrangements were arranged by an agent , provided you pay the entire cost of these prepaid travel, accommodations and recreation arrangements with your RBC Visa Infinite card, and before any cancellation penalties have been incurred.

Coverage starts on your effective date .

Coverage ends on the earliest of:

• Midnight of your return date ;
• The date your RBC Visa Infinite card account is cancelled;
• The date your RBC Visa Infinite card account is 60 days past due; or
• The date the group insurance policies terminate.

What are the sums insured?

Under Trip Cancellation Insurance (when the risk occurs BEFORE your trip ), the maximum amount payable per:

• cardholder's family per trip is $2,500.
• co-applicant per trip is $2,500.
• authorized user per trip is $2,500

If a dependent child is also an authorized user, the maximum sum insured is the amount listed for the authorized user.

Under Trip Interruption Insurance (when the risk occurs DURING your trip ), the maximum amount payable for each covered person for any one interrupted trip is $2,500.

What are the risks and benefits?

What are the benefits.

Prepaid travel arrangements — Reimbursement to you of the expenses you actually incur as a result of one of the insured risks up to the sum insured for:

• the non-refundable portion of your prepaid travel arrangements.

the non-refundable unused portion of your prepaid travel arrangements, excluding the cost of prepaid unused transportation back to your departure point .

Transportation — Reimbursement to you of the expenses you actually incur as a result of one of the insured risks up to the sum insured for the extra cost of:

• the date when your travel is medically possible, and
• within 10 days following your originally scheduled return date if your delay is not the result of hospitalization , or
• within 30 days following your originally scheduled return date if your delay is the result of hospitalization .
• your one-way economy air fare via the most cost-effective route to your next destination (in- and outbound).

Return of a travelling companion — Should a decision be made, by the Insurer, to transport you to a treatment facility in your province or territory of residence, the Insurer will pay the cost of upgrading to economy-class transportation for one travelling companion to his/her departure point , provided that he/she is unable to make use of the original ticket as a result of the delay caused by your emergency medical condition or death.

Pre-Existing Condition Exclusion

This insurance does not pay for any expenses incurred directly or indirectly as a result of:

• Your medical condition or related condition, if at any time in the 90 days before your effective date, your medical condition or related condition has not been stable .
• any heart condition has not been stable, or
• you have taken nitroglycerin more than once per week specifically for the relief of angina pain.
• any lung condition has not been stable , or
• you have been treated with home oxygen or taken oral steroids (prednisone or prednisolone) for any lung condition.

General Exclusions

The Insurer will not pay for any expenses incurred directly or indirectly as a result of:

• Cancellation or interruption when you are aware, on the effective date, of any reason that might reasonably prevent you from travelling as booked.
• A trip undertaken to visit or attend an ailing person, when the medical condition or ensuing death of that person is the cause of the claim.
• Your intentional self-inflicted injury, suicide or attempted suicide (whether sane or insane).
• Your committing or attempting to commit a criminal offence.
• Your mental or emotional disorders, other than acute psychoses, unless you are hospitalized (where permitted by law).
• Your chronic abuse of alcohol.
• Your abuse of medication, drugs or alcohol or alcoholism, or your non-compliance with prescribed medical therapy or treatment.
• routine pre-natal care,
• any medical treatment directly or indirectly related to pregnancy, occurring within 9 weeks before or after the expected date of delivery, or
• childbirth occurring within 9 weeks before or after the expected date of delivery.
• Any child born during the trip .
• Any medical condition or related condition that arises during a trip you undertake with the knowledge, acquired prior to departure, that you will require or seek treatment or surgery.
• Your participation as a professional in sports, participation as a professional in underwater activities, scuba diving as an amateur unless you hold a basic scuba designation from a certified school or other licensing body, participation in a motorized race or motorized speed contest, bungee jumping, parachuting, rock climbing, mountain climbing , hang-gliding or skydiving.
• Act of foreign enemies or rebellion, voluntarily and knowingly exposing yourself to risk from an act of war (declared or not) or voluntarily participating in a riot or civil disorder.
• Police, military, or law-enforcement service.
• The inability to obtain desired rental accommodation, financial difficulties or disinclination to travel.
• Your failure to appear at the airport, except in circumstances described as insured causes.
• Any trip not arranged by an agent.
• Any travel rewards provided by any frequent flyer program excluding RBC Rewards program.
• A medical condition of a travelling companion whose trip does not begin at the same time and place as the covered person .
• Ionising radiation or radioactive contamination from any nuclear fuel or waste which results from the burning of nuclear fuels; or, the radioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it.

What to do if you have a claim?

If you call Assured Assistance at the time of the cancellation or interruption as shown under "How to contact Assistance Services" you will receive the necessary claims assistance.

If you do not call Assured Assistance, you must notify the Claims Centre of your claim within 30 days of the date of the cause of cancellation or interruption.

For your claim to be reviewed, you must submit the following information:

• the completed claim form. Please contact the Claims Centre to obtain a claim form.
• the medical certificate (contact the Claims Centre to obtain a medical certificate), fully completed by the legally qualified physician in active personal attendance and in the locality where the medical condition occurred stating the reason why travel was impossible,
• written evidence of the risk insured, which was the cause of cancellation or interruption,
• complete original unused transportation tickets and vouchers,
• receipts for the prepaid land arrangements,
• original passenger receipts for new tickets,
• reports from police, common carrier or local authorities documenting the cause of the missed connection, and
• detailed invoices and/or receipts from the service provider(s).

Submission of claims must be made to the Claims Centre:

You must submit the information required for your claim within 90 days of the date of the cause of cancellation or interruption. If it is not reasonably possible to provide such information within 90 days, you must do so within one year or your claim will not be paid.

The Claims Centre will notify you of the decision on your claim within 60 days of receiving all of the required information.

Other Claim Information

When a cause of cancellation occurs before your departure date , you must:

• cancel your trip with the agent or the carrier immediately, but no later than the business day following the cause of cancellation, and
• advise the Insurer at the same time.

The Insurer's maximum liability is the amounts or portions indicated in your trip contract that are non-refundable at the time of the cause of cancellation or on the next business day.

If you disagree with the claim decision of the Insurer, the matter will be submitted to arbitration under the arbitration law in the Canadian province or territory in which you permanently reside. You must begin arbitration proceedings to recover a claim within 12 months of the occurrence. If, however, this limitation is invalid according to the laws of the Canadian province or territory where you permanently reside, you must commence your claim within the shortest time limit permitted by that province or territory. All arbitration proceedings must be brought in the Canadian province or territory in which you permanently reside. Where requested by the Insurer, you consent to the transfer of any proceedings to the province or territory where you permanently reside.

What other terms should you know about?

• This insurance is classified as supplemental, in that it covers expenses in excess of expenses payable by any other insurance plan.
• If you incur expenses covered under this insurance due to the fault of a third party, the Insurer may take action against the third party. You agree to cooperate fully with the Insurer or its agents and to allow the Insurer or its agents, at its/their own expense, to bring a lawsuit in your name against a third party. Where a third party is involved, an accident report is required before any claim payments can be made.
• If you are eligible, from any other insurer, for benefits similar to the benefits provided under this insurance, the total benefits paid to you by all insurers cannot exceed the actual expense that you have incurred. We will coordinate the payment of benefits with all insurers from whom you are eligible for benefits similar to those provided under this insurance, to a maximum of the largest amount specified by each insurer.
• All amounts are shown in Canadian dollars. If you have paid a covered expense, you will be reimbursed in Canadian currency at the prevailing rate of exchange quoted by RBC Royal Bank on the date the last service was rendered to you . This insurance will not pay for any interest.
• The Insurer, Customer Service Representatives/Coordinators of Assured Assistance and the Claims Centre, RBC Royal Bank and their agents are not responsible for the availability, quality or results of medical treatment or transportation, or your failure to obtain medical treatment.
• This Certificate of Insurance is the entire contract between you and the Insurer and is subject to the statutory conditions of the Insurance Companies Act of Canada and any governing provincial statutes concerning contracts of accident insurance.
• To substantiate a claim under this insurance, you must provide the requested/required document. Failure to provide the requested/required documentation will invalidate your claim.
• The Insurer may, at its discretion, void this contract in the case of fraud or attempted fraud by you , or if you conceal or misrepresent any material fact or circumstance concerning this insurance contract.

At RBC Royal Bank and RBC Insurance, we take your privacy very seriously. For more information, please turn to the section " Your Privacy Matters To Us ".

® Registered trademarks of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. Used under license.

* Registered trademark of Visa International Service Association. Used under license.

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Cross-Border Discover & Learn

Traveling beyond your province or territory protect yourself with travel insurance 9 ..

When your travels take you far from home in Canada, even a minor accident or sickness can become a major expense and a costly inconvenience—especially since the coverage you have may not fully protect you, whether that’s your provincial health plan, protection offered through your credit card or coverage through your employer. 

Your Government Health Insurance Plan (GHIP) typically covers only a limited portion of your medical expenses once you leave the country and your province. For example, a four-day stay in a U.S. hospital for an appendectomy could cost $39,400 (USD), with only $1,600 (CAD) covered by your GHIP. And a one-day stay in a U.S. hospital for a broken arm could cost $32,600 (USD), with only $400 (CAD) covered by your GHIP. 

Coverage offered through your credit card 9 and employer, while valuable, may only cover specific scenarios and not offer the comprehensive protection you will want while you’re away from home.

Travel insurance can cover your entire family for the duration of your trip, and family pricing is generally available to help you save on the coverage you need. If you travel regularly, a multi-trip annual travel insurance plan that can offer protection for a full year, regardless of the number of times you travel, is a smart option to consider.

RBC Insurance – Travel Insurance that offers more coverage in more places ™ RBC Insurance offers the travel coverage you need, as well as 24/7 access to a caring team of medical professionals – no matter how big or small your emergency. Here are some of the reasons we recommend RBC Insurance to our clients:

• 24/7 worldwide emergency travel assistance through a toll-free emergency help line
• Multilingual assistance from caring professionals – ready to help you wherever you are in the world
• Best in class claims service, with knowledgeable claims and service advisors available to you
• Registered nurses and consulting physicians available 24/7

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Travel Insurance

RBC Avion Visa Platinum Card review

Get 35,000 welcome Avion points on approval

• Rates & Fees

1 Avion point for every dollar you spend qualifying purchases, plus earn bonus points through purchases at selected retailers using your Avion Rewards credit card.

3 cents per litre savings on fuel and 20% more Petro-Points at Petro-Canada gas stations

50 Be Well points for every $1 spent on eligible products at Rexall

20% savings and 2x the Avion points with Hertz rental cars.

$0 delivery fees for 12 months from DoorDash with a DashPass subscription

$500,000 Travel accident insurance

48 consecutive days of rental car insurance for cars up to $65,000 MSRP

$1,000 of trip cancellation insurance for each covered person, up to an overall maximum of $5,000

$250 of flight delay insurance per covered person to a maximum of $500 total per occurrence.

$500 for delayed baggage insurance per occurrence for each covered person to a maximum of $25,000 per occurrence.

$2,500 for hotel/motel burglary insurance per occurrence.

1 year of manufacturer's extended warranty insurance

$50,000 purchase security insurance for loss or accidental physical damage to insured items purchase with your card for ninety (90) days from the date of purchase.

$120 Annual Fee $50 for each additional card

20.99% Purchase APR

22.99% Cash Advance APR

Good Recommended Credit Score

By Justin da Rosa

Fact Checked: Amy Tokic

Updated: March 21, 2024

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Quick overview of the RBC Avion Visa Platinum Card

The RBC Avion Visa Platinum Card is a flexible travel rewards card aimed at the frequent flyer who likes to travel often and easily. Its point system is simple, allowing cardholders to use their points on any airline, on any flight, at any time with no blackouts or seat restrictions, even during peak seasons.

With an extensive travel insurance package and fuel savings, the RBC Avion Platinum card has features that’ll appeal to the frequent flyer and driver alike. 

Who is the RBC Avion Visa Platinum for?

Are you interested in travel rewards but find all of the options confusing? This card might be for you. While other cards have tiered rewards structures that offer different amounts of points for different spending categories, the Platinum RBC Avion Visa keeps things super simple, offering one point for every dollar spent. See? Nothing confusing here.

That philosophy carries over to how points are redeemed. While some cards only allow you to book on certain airlines at certain times of the year, the Avion card allows you to use your points for travel on any airline, for any seat, at any time of year – even during peak travel seasons.  Don’t be fooled by its simplicity, though. The card also comes with travel insurance that includes trip cancellation and interruption. However, if you’re looking for premium travel perks like no foreign exchange fees and lounge access, you’ll have to look elsewhere. Those features aren’t included with the RBC Avion Visa Platinum. 

Pros and cons

Get up to 35,000 bonus points

The welcome bonus is simple and doesn’t require a minimum spend

Included travel insurance

Save 3 cents per litre on fuel at Petro Canada

No lounge access

Earn only 1 point per dollar spent

High-interest rates

RBC Avion Visa Platinum Card welcome bonus

• Earn 35,000 welcome Avion points
• Points will appear on your first statement following approval
• 35,000 points are enough to fly you anywhere in Canada or the US, excluding Hawaii and Alaska

How to earn Avion points with the RBC Avion Visa Platinum card

When you open a RBC Avion Visa Platinum card, you’ll earn 35,000 points right off the bat, just for opening the card – no minimum spend required. That little nest egg, valued at around $750, will get you started on your Avion point-earning journey. From there, you’ll earn one point for every dollar spent, no matter where you shop. Groceries? Check. Gas? Check. Netflix, bar tab, new clothes? Check, check, check. It’s nice not to have to tailor your spending at specific retailers to earn points. And, if you’d like to maximise your point-earning potential, you can link your Avion card to a free Petro Points card. Not only will you save 3 cents per litre at the pump, you’ll also earn 20% more Petro Points and 20% more Avion points when you purchase anything at the gas station. 

How to redeem Avion points

RBC makes it easy to redeem Avion points with its online portal. To redeem your points, visit the website and navigate to the redeem tab. Once there, you can use your points to pay some or all of your credit card balance, pay back purchases, pay bills, send Interac e-transfers, donate to charity, or shop. You can also use your points to book travel . RBC provides estimates to help you figure out how many points you might need to book specific flights. 

For example, 15,000 points can be used to book quick getaways within or to an adjacent province or state; 35,000 points can help you explore North America; 45,000 points can get you Mexico, Hawaii, Alaska, Bermuda, Central America, or the Caribbean; 55,000 points can pay for a full vacation to one of those destinations; 65,000 points can get you to Europe; and 100,000 points can take you far-flung destinations such as New Zealand, Australia, Africa, Asia, the South Pacific, or South America. 

Another way to redeem Avion points is to download the Avion Rewards app in the Apple or Google Play store.

RBC Avion Visa Platinum key benefits

• Generous welcome bonus of 35,000 points
• Travel insurance
• Save on gas at Petro Canada

RBC Avion Visa Platinum insurance coverage

• Travel accident insurance: Coverage for accidental death or dismemberment. Maximum benefit: $500,000.
• Auto rental collision/Loss damage insurance: Coverage for rental vehicles against damage or theft. Maximum rental period is 48 consecutive days; maximum benefit is the lesser of the vehicle's actual cash value or repair cost.
• Trip interruption insurance: Coverage for eligible expenses if a covered trip is interrupted. Maximum benefit: $2,500 per insured person.
• Emergency purchases insurance: Coverage for essential purchases in the event of delayed baggage. Maximum benefit: $500 per insured person.
• Flight delay insurance: Reimbursement for necessary expenses due to flight delays. Coverage begins after a four-hour delay. Maximum benefit: $500 per insured person.
• Travel emergency medical insurance: Coverage for emergency medical expenses during trips. Maximum benefit: $5,000,000 per insured person for eligible medical emergency expenses. Coverage for the first 15 consecutive days of a covered trip for persons aged 65 or over.
• Hotel/motel burglary insurance: Coverage of up to $2,500 per occurrence.
• Purchase security and extended warranty: Coverage of purchased items from loss or accidental damage for up to 90 days, up to a maximum of $50,000. Extended warranty of up to an additional year on top of the manufacturer’s warranty.  

Extra benefits

• Earn additional Be Well points when shopping at Rexall
• Get 20% off at Hertz car rental and 2x the Avion points
• Get $0 delivery fees with DoorDash for a year

What people have to say about this card

In a Reddit thread entitled “ Is the RBC Avion credit card worth it ?” one user questioned why the pricey card only offers one point for every dollar spent. Others replied, explaining the best ways to take advantage of the rewards.According to a few users, redeeming points toward an RBC investing account is a great way to maximise your rewards. Another user claimed the travel insurance makes up for the yearly cost, claiming it once saved them $3,000. In another Reddit thread entitled “ Is the RBC Avion Visa Platinum worth it for travel? ” users complemented its flexible rewards redemption. However, some noted you can get more points with other cards, such as the American Express Cobalt card. 

How RBC Avion Visa Platinum compares

Rbc avion visa platinum vs. rbc ion visa.

The RBC ION Visa can be thought of as the RBC Avion light. It’ll earn you Avion points, but not as many right off the hop as the Platinum. While the Platinum offers 35,000 welcome points, the ION only provides 3,500. The ION also lacks travel insurance, which you’ll get with the Platinum card.

However, the ION will earn you more points in several spending categories. It offers 1.5 points per dollar spent on groceries, ride-sharing, gas, streaming, subscriptions and digital gaming. It also has no yearly fee, compared to the Platinum’s yearly cost of $120. 

RBC Avion Visa Platinum vs. American Express Cobalt

If you’re considering the RBC Avion Visa Platinum and American Express Cobalt , it might come down to the rewards program you prefer. The Avion is geared more toward travel rewards, whereas the Amex program is a more general rewards program. 

Both have a yearly fee ($120 for the Avion Visa and $155.88, paid $12.99 per month, for the Cobalt), come with travel insurance. When it comes to points, the Cobalt will earn you up to five points per dollar spent, which is much higher than the one point per dollar earned with the Avion card. The Visa Platinum will earn you more from the start, with a welcome bonus of 35,000 points (compared to 15,000 points with the Cobalt). 

RBC Avion Visa Platinum Vs. TD Aeroplan Visa Infinite

These two cards are quite similar. Sure, the TD Aeroplan Visa Infinite might cost a little more than the RBC Avion ($139 compared to $120 per year), but it’ll earn you a few more points for that extra cost (50,000 welcome points compared to 35,000) For everyday points earning, the Aeroplan card earns 1.5 points per dollar on gas, groceries and at Air Canada and one point for everything else; the Avion, meanwhile, earns one points per dollar spent for everything.

Both cards come with travel insurance and have the same interest rates but Aeroplan will get you free checked bags. Of course, you’ll save on gas at the Petro Canada with the Avion card, though. 

So, either card is a great choice for the travel rewards earner. The one you choose might come down to whether you prefer Avion points or Aeroplan points.

Is the RBC Avion Visa Platinum card worth it?

The RBC Avion Visa Platinum offers compelling benefits, making it worth considering for avid travellers. With a generous welcome bonus, flexible redemption options and comprehensive travel insurance coverage, it caters to diverse travel needs. 

The ability to earn points on everyday purchases enhances its value, particularly if you’re someone who wants to earn on every single purchase instead of just a few select retailers. However, the annual fee and interest rates should be weighed against the benefits. If you prioritise travel perks, including flight flexibility and insurance and are willing to manage associated costs responsibly, the RBC Avion Visa Platinum can be a valuable addition to your wallet.

Does the RBC Avion Visa Platinum come with lounge access?

While it is a travel rewards card, the RBC Avion Visa Platinum does not come with lounge access.

Does the RBC Avion Visa Platinum have travel insurance?

The RBC Avion Visa Platinum does come with travel insurance. This includes: travel accident insurance, auto rental collision/loss damage insurance, trip interruption insurance, emergency purchases insurance, flight delay insurance, travel emergency medical insurance, and hotel/motel burglary insurance.

Does the RBC Avion Visa Platinum have a welcome bonus?

The RBC Avion Visa Platinum does have a welcome bonus, and a generous one at that. Opening a new account with the Avion Visa Platinum will earn you 35,000 points on your first statement, regardless of how much you spend.

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RBC® Avion Visa Infinite†

Signup bonus:

Annual fee:, interest rates:, earning rate:.

The RBC ® Avion Visa Infinite † is RBC ® ‘s flagship product, and currently offers a strong welcome bonus with no spending requirement.

Bonuses & Fees

This card is currently offering a promotional welcome bonus of 35,000 RBC Avion points † for new cardholders, which are awarded upon approval † .

The card has an annual fee of $120 † and $50 fee for supplementary cardholders.

If you have an RBC ® VIP Banking Account , you’ll be able to get a fee waiver on one of RBC ® ‘s premium credit cards, including this one.

Earning Rewards

The RBC ® Avion Visa Infinite † offers the following earning rates:

• 1.25 RBC Avion points per dollar spent † on qualifying travel purchases
• 1 RBC Avion point per dollar spent † on all other qualifying purchases

Redeeming Rewards

There are a variety of ways to redeem RBC Avion points for a high value.

As a transferable currency, eligible cardholders can convert their RBC Avion points into British Airways Executive Club† and Cathay Pacific Asia Miles† at a 1:1 ratio, WestJet Rewards† at a 100:1 ratio, as well as American Airlines AAdvantage† at a 1:0.7 ratio.

Avios, Asia Miles, and AAdvantage will all provide a means to book business class and First Class flights on Oneworld airlines, which will be by far the best value for your Avion points if you’re interested in travelling internationally in style.

Look out for 10–50% transfer bonuses to these partners too, which can boost the value of your points even further.

These can be some of highest value uses of RBC Avion points. If you signed up via the current offer for 35,000 Avion points, for example, and transferred the points over to Avios during a 30% promotion, you’d get 45,500 Avios — good for a number of short-haul flights, or enough to make solid progress towards a one-way flight in Qatar Airways Qsuites from North America to Doha or a multi-carrier ticket .

You can also redeem via the Air Travel Redemption Schedule † , which lets you use Avion points to book round-trip economy class tickets departing from Canada, up to a certain maximum ticket price. As a baseline, you can also apply Avion points to any travel purchase at a rate of 1 cent per point † .

Perks & Benefits

The RBC ® Avion Visa Infinite † includes a host of interesting benefits, including 12 months of free DashPass from DoorDash as part of the wider partnership between RBC and DoorDash † . In addition to this perk, cardholders get to enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card.

It also includes a 3¢/L saving on fuel at Petro-Canada † , along with earning 20% more Petro-Points and RBC Avion points upon using your card to pay † .

Furthermore, RBC Avion cardholders can save 20% at Hertz † , as well as earn 2x the points if using your card † .

Finally, you can earn 50 Be Well points for every $1 spent on eligible products at Rexall † , as well as an improved redeeming ratio of 25,000 Be Well points = $10.

Insurance Coverage

The RBC ® Avion Visa Infinite † comes with pretty strong protection, as would be expected for a premium credit card:

Emergency medical insurance † for the first 15 days of any out-of-province trips for travellers under the age of 65 or the first three days for those 65 and up

Travel accident insurance † , covering death or dismemberment, of up to $500,000

Car rental collision/loss damage insurance † , which allows you to save on the daily insurance charged by car rental companies for vehicles up to a MSRP of $65,000

Trip cancellation insurance † of up to $5,000 and trip interruption insurance † of up to $25,000

Flight delay insurance † of up to $500 for reasonable expenses incurred

There’s also a very compelling purchase protection scheme †  in place that will reimburse you for accidentally lost or damaged personal property within 90 days of purchase, up to a maximum of $50,000 per year, as well as an extended warranty †  feature that automatically doubles the original manufacturer’s warranty.

Overall, the insurance on this card is on par with other premium cards in the market, making it a solid option for any big purchases.

Historical Offers

Legal disclaimers.

†Terms and conditions apply. RBC Bank is not responsible for maintaining the content on this site. Please click on the ‘Apply Now’ link for the most up to date information.

As a Visa Infinite product, this credit card has a minimum personal annual income requirement of $60,000 or a minimum household income of $100,000 to be eligible. Please refer to RBC® page for up to date offer terms and conditions.

27 Comments

Do you have a way to compare this card vs the ION+ form RBC? I’m trying to figure out if I should cancel this one and do the ION.

If you cancelled the Avion card, your ION or ION+ won’t have access to transfer the points to British airways, Cathay Asia Miles, American Airlines. You could still transfer to Westjet though. So just FYI

Just applied and got approved for this credit card for the bonus. I’ve the HSBC World Elite so it’d be interesting to know if I’ll have 2 same credit cards.

Hi Ricky! I just discovered your website and feel like a whole new world has been opened up to me! I have the West Jet World Elite M/C (RBC) and I don’t see the benefits of the card really helping me, so not worth the annual fee. The anniversary is in December, and I’m wondering if it’s possible to switch to the RBC Avion rather than cancel and apply for a new card, because I’m reading that’s not always the best option. But since these card are from the same bank, it may work? And then I could qualify for the new welcome bonus for the Avion?

Would I get the full points if I switch from an RBC cashback card to an RBC Avion visa infinite?

** Product switch only earned 15,000 points

Hi Ricky, Is there a card that has a better return than the 2.14 this one has for long haul in Canada? I currently use my rewards every two years to fly across Canada at Xmas. Family is now 4 travellers and only have points for 3 so looking to maximize.

I just got approved for the Avion Visa Infinite. I’m interested to see how beneficial the welcome bonus points of 35000 will be when redeeming them for a flight from Toronto to California. Would you suggest to use the points to upgrade my seats? I’m also interested in the cellphone protection insurance as I haven’t seen that offered in other cards.

Points are almost always better spent on making bookings directly rather than upgrading seats.

Just applied and got approved for Avion Visa Platinum, would you say this card is really good if you only want to carry 2 cards in your wallet? (btw my other card is American Express Cobalt Card)

I’d say it’s a decent choice, but you may be able to do better. For example, pairing the Cobalt with the HSBC World Elite would deliver a lot more benefits for your non-Amex spending for only a $49 net annual fee.

I checked flights using Avios search engine going to South America (Buenos Aires) and other destinations. The economy seats are really expensive. It practically makes your points WORTHLESS to use. What’s the point of following this point system if you cant fly where you want to go. It’s better if you stick with cheapflights.com or any of these third-party websites for really cheap flights.

Correct. Points are better used on higher-value trips like business class and First Class.

Since I hold the rbc rewards+ visa I can’t get the 35000 points welcome bonus l even if I product switch or apply for the avion visa infinite right? So I am basically out of luck?

I have this card and received the bonus points. If I use the bonus points then product switch to a card with no AF, is there any chance that they require the points back or something? How long would you hold the card before doing this? I’ve been told by an RBC agent that they’ll provide a pro-rated refund on the AF if I switch.

Unlikely. The safest timeline for such actions is six months, although some users have “gotten away with” shorter timeframes.

Hi Ricky, I just checked out the link to apply for this RBC card but only the standard offer of 15,000 points and no first annual fee rebate is offered. Has this promotion finished already?

Yep. These “mystery links” that pop up never last too long, so now we’re back to the standard offer of 15,000 points + $120 annual fee. Time to wait for the next one!

I have the Westjet now, if I make a switch product. Would I be entitled to this 20K promotion?

Most of the time a product switch only gives you the public bonus that isn’t found through a special link – in this case it’d be the usual 15k.

And it wouldn’t be FYF right?

It would appear that the additional 10,000 RBC Avion bonus points (for making purchases of $1000) is no longer on offer. Today, Oct 1, I started to sign up through the link above. The lead page now references the 15,000 bonus only.

Looks like you’re right Al. Back down to 15k it is.

Data point for reference: I product switched from the Avios to this and did not receive the bonus points. (But I did receive bonus points when I product switched from the RBC Westjet to the Avios prior to that).

Just applied and approved. Thanks for the link

Any idea if it’s possible to apply and get the bonus if I already have this card currently open?

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Tutorial: How to use the $100 travel credit on the RBC Avion Visa Infinite Card

Former HSBC World Elite Mastercard holder: $100 travel credit with RBC

Since the end of March 2024, HSBC World Elite ® Mastercard ® holders have had their card replaced by an RBC Avion Visa Infinite Card . Certain benefits have been maintained, such as :

• A travel credit of up to $200 for any hotel stay or car rental of $200 CAD or more, booked with Avion Rewards , until April 5, 2025 ;
• No conversion fees for foreign currency transactions.

For this famous travel credit, you have to use it between April 4, 2024 and April 5, 2025 and it is distributed as follows:

• $ 100 travel credit from HSBC / RBC transition ;
• Any unused portion of your previous $100 HSBC credit.

So you have a travel credit opportunity of up to $200 for 2024-2025. If you don’t use it after April 6, 2025, it’s lost and there’s no way to get it back.

Here’s how to activate this offer and how it works.

How to book with Avion Rewards and your $100 travel credit

This travel credit applies only to former HSBC World Elite MD Mastercard ® holders who have had a product transfer to the RBC Avion Visa Infinite Card following the transition from HSBC to RBC.

Log in to the Avion Rewards website. You will need to log in to your profile with your RBC Online Banking credentials.

Directly on the Homepage, you’ll find Avion Travel Credit , under Shop offers .

Click on Load offer .

That’s all ! You’ll automatically see that the travel credit is activated, highlighted in yellow.

Still can’t see the Travel Credit offer?

Check both on the Avion Rewards website and in the Avion Rewards mobile app (on the App Store or Google Play ).

If you still don’t see the Travel Credit option, call Customer Service at 1 800 769-2511 .

Then all you have to do is use your Avion Rewards travel credit. Here are the conditions:

• Valid only for hotel reservations and car rentals
• Payment must be $200 or more, including taxes and fees, charged to the RBC Avion Visa Infinite Card that holds the travel credit.

In the Avion Rewards Travel section, select your destination and date.

Then choose the hotel you want.

When you confirm your reservation, you can also use your RBC Avion points to deduct part of the cost of your hotel stay!

The redemption rate for RBC Avion points via Avion Rewards is higher than usual: 1.5% (100 points = $1.50) instead of 1.0% (100 points = $1).

In fact, this is the special exchange rate only for former HSBC World Elite ® Mastercard ® cardholders, who have had their card replaced by an RBC Avion Visa Infinite Card .

In this example, 4,002 points X 1.5 = $60.03 off the cost of the room.

After booking, you will see on your statement :

• A deduction of 4,002 RBC Avion points;
• A hotel purchase of $246.38 ;
• An accumulation of 308 RBC Avion points for making this reservation.

The payment on the RBC Avion Visa Infinite Card is over $200, so this will be enough to trigger the travel credit of up to $200.

Attention! If you cancel the hotel, Avion Rewards may charge you a cancellation fee in addition to the applicable taxes, according to the schedule in effect on its site. The fees are $10 per car rental and $10 per hotel reservation.

Bottom Line

This travel credit is available until April 2025 and is only available until April 5, 2025. It will not be renewed.

Don’t lose it, and take advantage of the opportunity to spoil yourself on your travels!

All posts by Caroline Tremblay

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