avion elite 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.

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RBC Avion points are an incredibly useful, transferrable reward currency for Canadians.

Its diverse suite of transfer partners and ease of earning make it a great program to include as part of your points-earning endeavours.

Before we go further, it’s important to distinguish between the different tiers of RBC Avion Rewards. There are subtypes of Avion points: Avion Select, Avion Premium, and Avion Elite.

Avion Elite is the highest Avion Rewards tier, and has the most redemption flexibility. Both Avion Elite and Avion Premium points are earned through RBC credit cards, and can be transferred from one account to the other, if you hold a credit card that earns Avion Elite points.

Comparatively, Avion Select points are a recent addition to the RBC Avion program, and these aren’t nearly as valuable as the other two tiers.

Avion Select points are earned through applicable shopping activity, and can’t be combined with Avion Elite or Avion Premium points.

In this guide, we’ll be focusing on Avion Elite points, while exploring the possibilities of earning Avion Premium points for the sole purpose of converting the Premium points into Elite points.

Earning RBC Avion Points

The main way to earn RBC Avion points is through RBC credit cards. You can rack up Avion points through credit card welcome bonuses and through everyday spending.

Credit cards will earn either Avion Elite points or Avion Premium points.

The credit cards that earn Avion Elite points include all from the RBC Avion lineup.

Meanwhile, the cards that earn Avion Premium points are from the RBC ION lineup.

As long as you have at least one of the RBC Avion cards from the first list, you’ll be able to freely transfer Avion Premium points earned from the ION cards in the second list to your Avion Elite rewards account.

Transferring Avion points from Premium points to Elite points will give you a lot more redemption options.

Credit Card Welcome Bonuses

The best way to earn RBC Avion points is through welcome bonuses.

Welcome bonuses fluctuate depending on the current promotion. However, you can usually expect an RBC Avion card to come with a welcome bonus of 15,000–35,000 Avion points, with the bonus sometimes getting as high as 55,000 Avion points if you’re able to meet the associated spending requirements.

Despite having similar welcome bonuses, the Avion cards do all have slight differences in the benefits they offer, their earning rates, and their annual fees.

The RBC® Avion Visa Platinum†, RBC® Avion Visa Infinite†, and RBC® Avion Visa Business  all have an annual fee of $120 (all figures in CAD).

Meanwhile, the RBC® Avion Visa Infinite† Business has an annual fee of $175, and lastly, the RBC® Avion Visa Infinite Privilege† card has the highest annual fee at $399.

With the higher annual fees, you can usually expect to also see additional benefits, such as higher earning rates and access to airport lounges.

By comparison, the RBC ION cards seriously lag behind in terms of welcome bonuses offered, often ranging from 3,500–7,000 Avion Premium points.

However, the ION cards do have minimal annual fees, with the RBC® ION Visa having no annual fee, and the RBC® ION+ Visa charging a fee of only $4 per month.

Credit Card Spending

In addition to earning the welcome bonus, you’re also able to earn Avion points on your day-to-day purchases.

The RBC Avion-branded credit cards come with the following earning rates on daily spending:

RBC® Avion Visa Infinite†

• 1.25 Avion points per dollar spent on all travel purchases (flights, hotels, car rentals, etc.)
• 1 Avion point per dollar spent on all other qualifying purchases

RBC® Avion Visa Platinum†

• 1 Avion point per dollar spent on all qualifying purchases

RBC® Avion Visa Infinite Privilege†

• 1.25 Avion points per dollar spent on all qualifying purchases

RBC® Avion Visa Business

RBC® Avion Visa Infinite† Business

The RBC ION cards, earning Avion Premium points instead of Avion Elite points, have better earning rates than the cards above, despite fetching little to no annual fees.

Although the ION cards earn less valuable Avion Premium points, you can easily transfer the Avion Premium points earned through ION cards to Avion Elite points at a rate of 1:1, if you hold one of the Avion cards listed above.

The two cards through which you can earn Avion Premium points have the following earning rates:

RBC® ION Visa

• 1.5 Avion points per dollar spent on qualifying grocery, gas, rideshare, daily public transit, electric vehicle charging, streaming, digital gaming, and digital subscriptions

RBC® ION+ Visa

• 3 Avion points per dollar spent on qualifying grocery, dining, food delivery, gas, rideshare, daily public transit, electric vehicle charging, streaming, digital gaming, and digital subscriptions
• 1 Avion point per dollar spent spent on all other qualifying purchases

Avion Rewards

A relatively recent addition to the RBC Avion program is Avion Rewards, which is open for RBC clients and non-clients alike.

Since all points transactions are made under its platform, those with an Avion or ION card product have automatically been registered to Avion Rewards, while those with other RBC products may use their existing RBC credentials to enroll.

Under Avion Rewards, you may benefit from two types of offers: “save & earn” offers, and “shop now” offers.

The former lets you earn Avion points, discounts, and cash back when you use your eligible RBC card at participating online and in-store establishments. Meanwhile, the latter lets you earn cash back on online purchases, akin to the Aeroplan eStore and Rakuten.

Examples of save & earn Avion points offers are as follows:

• Earn 1,000 Avion points when you spend $300 or more at participating Marriott Bonvoy hotels in Canada
• Earn 10x Avion points on Lyft rides
• Earn 2x Avion points on eligible Apple purchases

For save & earn offers, you must opt into each offer by logging into your Avion Rewards account.

Redeeming RBC Avion Points

The best feature of the RBC Avion program is the flexible nature of Avion points.

Avion Elite points can be transferred to airline loyalty programs, redeemed through RBC’s Air Travel Redemption Schedule , or cashed out through gift cards or statement credits.

Comparatively, Avion Premium points aren’t quite as valuable on their own.

Avion Premium points can only be transferred to WestJet Rewards , or they can be cashed out for statement credits and gift cards. Notably, Avion Premium points cannot be transferred to any other airline loyalty program and can’t be used to book travel through RBC’s Air Travel Redemption Schedule.

Given this, the best use of RBC Avion Premium points is simply to transfer them to RBC Avion Elite points, which you can easily do as long as  you have a Avion credit card.

Even if you don’t currently have an Avion credit card, it’s still best to save your Avion Premium points, and make plans to get an Avion credit card in the future.

For this reason, we’ll look exclusively at the redemption options for RBC Avion Elite points.

Transferring to Partner Programs

You can transfer your RBC Avion Elite points at a 1:1 ratio to British Airways Executive Club (Avios) and Cathay Pacific Asia Miles, and to WestJet Rewards at a rate of 1 Avion point = $0.01 in WestJet Dollars (WSD).

You can also transfer Avion Elite points to American Airlines AAdvantage at a rate of 10 Avion points = 7 AAdvantage miles.

British Airways Executive Club is great for short-haul journeys, as well as long-haul trips in economy class.

One amazing sweet spot is transferring British Airways Avios to Qatar Airways Avios at a 1:1 ratio. From there, you can book Qatar Airways QSuites one-way from North America to Doha for only 70,000 Qatar Airways Avios.

It’s also worth noting that RBC regularly offers transfer bonus promotions from Avion to British Airways Executive Club. Historically, the most common promotional offer is a 30% bonus on point transfers.

Lastly, keep in mind that there are a few restrictions on the ability to transfer points to these partners. In particular, for British Airways Avios, American AAdvantage, and Cathay Pacific Asia Miles, you need to transfer a minimum of 10,000 Avion points at a time. However, there is no such restriction for transfers to WestJet Rewards.

RBC Air Travel Redemption Schedule

If you’re not interested in transferring your Avion points to an airline loyalty program, you can still get great value by redeeming points through the RBC Air Travel Redemption Schedule.

While you won’t be able to get outsized value for your points, you’ll still get more value through this avenue than if you redeemed Avion points for a statement credit or for gift cards.

Through the Air Travel Redemption Schedule, you’ll be able to redeem Avion Elite points at a fixed rate for the base fare of any flight booked through the Avion Rewards portal, powered by Expedia.

Each redemption option allows you to use the specified number of points towards a listed maximum base fare.

It’s important to note that you’ll be responsible to pay for any base fare amount that’s over the maximum base fare listed in each category, as well as for the taxes and additional fees.

If you wish to redeem Avion points for the additional costs, you can choose to do so, albeit at the lower redemption rate of 1 cent per Avion point.

When using RBC’s Air Travel Redemption Schedule to book a flight, you’ll get a value of up to 2.3 cents per Avion point, depending on the origin and destination of your trip and the cost of the base fare.

The maximum value of 2.3 cents per Avion point can be found in the “Quick Getaway” category when you redeem 15,000 Avion points for the maximum return-trip base fare of $350.

In all the other categories, the maximum value you’ll be able to extract is 2 cents per Avion point, when booking a round-trip for the maximum base fare amount.

As an example, if you were to redeem 100,000 Avion points for a round-trip flight from Toronto to Lima with a base fare cost of $1,700, you would receive a value of 1.7 cents per point.

Notably, with the Air Travel Redemption Schedule, the number of Avion points required for a redemption in each category doesn’t fluctuate with the cost of the base fare.

Using the above example of the round-trip flight between Toronto and Lima, even if the base fare was only $900, you would still need to redeem 100,000 Avion Elite points.

Based on this, to extract maximum value from your Avion points when using the Air Travel Redemption Schedule, you’ll want to aim to redeem for base fares that are as close to the category’s maximum base fare as possible.

For this reason, the fixed-rate redemption chart can be particularly valuable for bookings during busy times of year, such as holiday seasons, when travel costs are elevated.

This is because the fixed-rate nature of the Air Travel Redemption Chart allows you to book these more expensive dates of travel for the same number of points as a cheaper date of travel (assuming the base fare remains below the maximum threshold for the category).

Travel Credit

Another option for redeeming your Avion Elite points is for fixed-rate travel statement credits through the Avion Rewards platfo.

By booking through this avenue, most cardholders will receive a fixed rate of 1 cent per point, and if you hold the RBC® Avion Visa Infinite Privilege† or the RBC® Avion Visa Infinite† Business , you’ll have access to a fixed rate of 2 cents per point if you’re booking a business class or First Class flight.

When compared to the Air Travel Redemption Schedule , this may seem like a similar or even slightly worse valuation; however, it can actually prove to be better in certain scenarios.

As we mentioned above, when redeeming Avion points through the Air Travel Redemption Schedule, you are required to redeem the set number of points regardless of the cost of the base fare, as long as it’s under the maximum amount.

Looking at the “Explore North America” category from the Air Travel Redemption Schedule, this means that even if the base fare ends up being less than the $750 maximum listed, you’ll still have to pay the full 35,000 Avion points.

Taking a deeper dive, based on the redemption rate of 1 Avion point = 1 cent, the 35,000 Avion points required for this booking is equal to $350.

This means that if you’re looking at redemptions using the Air Travel Redemption Schedule and you find a base fare within this category for less than $350, you’ll be better off booking the flight on your own and then redeeming your Avion points for a travel credit.

Other ways to Redeem Avion Points

Beyond what’s already been mentioned, RBC provides a number of additional options for redeeming Avion points through the Avion Rewards platform. However, these options are not particularly valuable.

For example, you can use points to send e-transfers, pay bills, add to your existing investments, make a mortgage payment, or even pay off your credit card.

For most of these financial redemption options, you’ll get a value of 0.83 cents per point, and if you want to pay your credit card directly, the value is only 0.58 cents per point.

You can access better value than this by redeeming Avion points for gift cards, with some options offering value as high as 1 cent per point (and occasionally higher during promotions), but the best value can still found by transferring Avion Elite points to partner airline loyalty programs.

One additional option is to redeem Avion points for merchandise, but similarly to the other non-travel redemption options, this doesn’t offer nearly as much value for your Avion points.

RBC Avion is an important rewards program that can help unlock some amazing sweet spots through transfers to partnered airline loyalty programs, such as British Airways Executive Club and Cathay Pacific Asia Miles.

Thanks to its unique set of transfer partners, the relative ease of accumulating points via RBC’s Avion- and ION-branded credit cards, and the frequency of transfer promotions, Avion points are extremely useful to collect as a way to supplement the other major Canadian points programs.

†Terms and conditions apply. Refer to the card issuer’s website for complete, up-to-date information.

19 Comments

Can you tell me how is the Avion Visa Infinite Card better than say.. the RBC British Airways Visa Infinite? RBC Avion Visa Infinite – earn 1.25 points on travel, 1 point everywhere else – transfer points to Cathay/American Airlines/WestJet/British Airway RBC British Airways Visa Infinite -earn 3 points when buying British Airway tickets, 2 points on Dining/Grocery, 1 point everything else

Yes. The Visa Infinite appears to have better flexibility on paper, but since all of those airlines are part of the one-world alliance, you automatically have access to all those airlines anyways, does that “flexibility” even still matter? With the BA card you are very likely to earn much more points? The BA card does cost $45 more annualy, but as it earn more points I think that’s justifiable? not to mention the BA card also gives a free companion voucher every year?

Hi Jon, there a pros and cons to each card mentioned. As you said, one advantage of the Avion family of cards is the ability to transfer to more than one partner program. While British Airways, Cathay Pacific, and American Airlines are all One World airlines, each program has unique sweet spots that can be utilized. There are also occasional transfer bonuses when transferring Avion points to partner programs. You mentioned the British Airways card having a free companion voucher, however this voucher in only awarded after spending $30,000 in a calendar year. An underrated strategy with Avion cards is pairing an RBC ION+ card with an Avion, and taking advantage of the 3x earn rates in popular categories offered by the ION+. An Avion/ION+ combination would have annual feels of $168 ($120 + $48), just about equal to the British Airways Visa Infinite’s $165 annual fee. One other advantage to the Avion/ION+ cards is that you can apply for the Avion Platinum card if you do not meet the $60,000 income threshold of a Visa Infinite product.

I tried Transferring Avion Points to Qatar Airlines and it did not work. Apparently, Qatar Airlines requires to have at least 1000 points balance in order to transfer or purchase additional points 🙁 However, I had a great experience with British Airways – a great value for the tickets!

You can’t transfer directly from RBC Avions to Qatar Avios, only RBC Avions to BA Avios. And if your BA Avios is connected to QR Avios, then you can freely move the Avios between the 2 airlines program

i’ve held the RBC infinite priveledge card for over a year now and finally used it for a redemption at 2cpp (flight for myself & family from Tokyo to Manila this december 2023). I’m so impressed by the discount on the tickets I got via the points redemption that I’m eager to earn more avion points. I wish I could transfer points from my wife’s regular Visa infinite (RBC) avion to mine which gets 2cpp but as far as I can tell this isn’t allowed.

Hi Ricky, Does RBC qualify you back for a welcome bonus if you already received one ?

Generally yes

You never know! 😉

I sometime find booking though airlines is cheaper than using the RBC reward travel orbitz. Does RBC offer price matching?

Can I use my avion points to up grade at the AIRPORT the day of departure.

There’s no easy way to do this. Your best bet would be to bid-upgrade with cash.

can transfer my westjet dollars to avion

Can you redeem Avion points for statement credit.

I’m short 2000 points for a flight . Can you buy points?

Hi, Just wondering if you know when the next RBC avion to westjet dollar promotion is?

I don’t believe this conversion bonus is ever coming back.

Hi Ricky, any idea if there’ll be another transfer bonus to Avios this year?

With it being mid-November already, it’s looking doubtful.

Hi, Can you use RBC Infinite Avion points to redeem PREMIUM Economy class of Air Canada. e.g. 100,000 points from Canada to Middle East. Or does RBC only allow to redeem Economy class?

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RBC Avion Visa Infinite Review 2024: Is It Worth It?

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

NerdWallet Rating

NerdWallet CA

• Pros: Petro-Canada fuel discounts, 12 months of free DoorDash deliveries and travel insurance. 
• Cons: No airport lounge access, free checked bags or priority airport services.

What our Nerd thinks

“The RBC Avion Visa Infinite Card has some travel-specific perks that will appeal to jet setters and road trippers, but it puts in a decent showing as a general rewards card, too. Overall, I think the card will appeal in equal measure to Canadians who want a rewards program with diverse redemption options and travellers seeking the peace of mind provided by a card with travel insurance.”

CREDIT CARD NERD

Shannon Terrell

The RBC Avion Visa Infinite card offers new cardholders up to 35,000 Avion Points. There are no spending categories to keep track of; cardholders earn one Avion point on all purchases and 1.25 points on eligible travel purchases. However, the card’s $60,000 minimum income requirement and $120 annual fee may be high for some applicants.

RBC Avion Visa Infinite

• Annual Fee $120
• Interest Rates 20.99% / 22.99% 20.99% on purchases, 22.99% on cash advances.
• Rewards Rate 1x-1.25x Points Earn 1.25x Avion points on eligible travel-related purchases and 1x on everything else.
• Intro Offer Up to 35,000 Points Get 35,000 welcome Avion points on approval** – Enough to fly anywhere in Canada & the U.S† (Alaska and Hawaii require more points)
• Get 35,000 welcome Avion points on approval** – Enough to fly anywhere in Canada & the U.S† (Alaska and Hawaii require more points)
• Earn 1 Avion point for every dollar you spend* and an extra 25% on eligible travel purchases.
• Avioners can book flights with points on any airline, on any flight, at any time, early or last minute, with no blackout periods or restrictions.
• Avioners earn points that never expire so your points will be waiting for your next adventure.
• Redeem your points for travel and more. Use points for anything from paying bills and paying your card balance to redeeming for Gift Cards and Merchandise at top brands like Apple. The Avion Rewards program gives you the freedom of choice to use your points your way, and helps you make the most as an Avioner.
• Eligible Avion Rewards members can also convert points to other loyalty programs including WestJet dollars, British Airways Avios points and Hudson’s Bay Rewards points.
• Link your RBC card with a Petro-Points membership to instantly save 3₵ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more Avion points.
• Link your RBC card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10.
• Get access to RBC offers which provides access to earn points faster at specified brands.
• Extensive insurance including: mobile device insurance, travel insurance (trip cancellation, interruption and emergency medical) and other eligible purchases to protect you and your family.
• Avioners get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits.
• Avioners no longer need 14-days to book travel using the RBC grid.
• Get $0 delivery fees for 12 months from DoorDash¹⁷ – Add your eligible RBC credit card to your DoorDash account to:
• Get a 12-month complimentary DashPass subscription± – a value of almost $120.
• Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card.
• Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process.
• Full review
• Customer ratings
• Eligibility
• How to apply

RBC Avion Visa Infinite vs TD First Class Travel Visa Infinite

• Rating methodology

RBC Avion Visa Infinite full review

The RBC Avion Visa Infinite card is one of six personal credit cards from the Royal Bank of Canada that offers Avion points — a loyalty program specific to RBC. You can spend Avion points on a range of products like flights, electronics, investments and more. The company’s Visa Infinite card is among the more expensive of RBC’s personal Avion credit cards. 

Benefits of the RBC Avion Visa Infinite card

• 35,000 Avion Points upon approval and 20,000 bonus points when you spend $5,000 in your first 6 months. Apply by Apr. 30, 2024.
• No seat restrictions or blackouts when you book travel using Avion points.  
• Free Doordash deliveries for 12 months. (Must activate before Jan. 1, 2024).
• Discounts and additional Avion points available when you rent with Hertz, or link the card to a Petro-Canada card. 

Drawbacks of the RBC Avion Visa Infinite card

• Minimum income requirement of $60,000 ($100,000 for household).
• No airport lounge access. 
• RBC has low Trustpilot and BBB ratings. 

Who should get the RBC Avion Visa Infinite card?

You may want to get the RBC Avion Visa Infinite card if you:

• Want to collect Avion points on all purchases.
• Have a Be Well or Petro-Canada card and want to take advantage of extra discounts. 
• Use Hertz or Doordash and want to take advantage of the card’s free delivery offer and rental car discounts.

Is RBC Avion Visa Infinite worth it?

If you want a card that offers consistent Avion points across all purchases the RBC Avion Visa Infinite may be right for you. However, the high income requirement, lack of airport lounge access and an average earn rate that’s lower than other RBC credit cards may reduce this card’s value for some people. 

RBC customer ratings

• Below average in customer satisfaction: RBC ranks 8 out of 13 in J.D. Power’s 2023 Canada Credit Card Satisfaction Study.
• Low Trustpilot rating: 1.2 out of 5 possible stars based on over 1,000 customer reviews, as of this writing.
• Low Better Business Bureau rating: 1.2 out of 5 possible stars based on over 130 customer reviews, as of this writing. RBC is not accredited by the BBB itself.

RBC Avion Visa Infinite eligibility

Who qualifies for the rbc avion visa infinite card.

To qualify for the RBC Avion Visa Infinite card, you must earn a gross income of at least $60,000 ($100,000 per household) or have a minimum of $250,000 investable assets. 

In general, you must be at least the age of majority and a resident of Canada to qualify, unless otherwise stated by the card issuer. 

Approximate credit score needed for approval

Canadian credit card issuers rarely disclose required credit scores, which makes it hard to know your chances of approval when comparing credit cards. What we do know is that higher scores have better chances of approval — that’s true no matter what type of credit you’re applying for. Want to learn more? Visit our “ What Credit Score is Needed for a Credit Card? ” page.

» MORE: How to Check Your Credit Score

RBC Avion Visa Infinite rewards

Earn 35,000 Avion points when you’re approved for the RBC Avion Visa Infinite card and 20,000 bonus points when you spend $5,000 in your first 6 months (must apply by April 30, 2024).

You could save up to $1,100 on flights. The card’s 35,000 welcome points can be used to purchase a long-haul return flight to eligible destinations with a maximum ticket price of $1,100.

• Earn 1 Avion point for every CAD spent on all purchases. 
• Earn 1.25x Avion points on eligible travel purchases. 
• Earn 1.20x Avion points on eligible Petro-Canada purchases. 
• Earn 3x Avion points on eligible Hertz purchases. 

How to apply for the RBC Avion Visa Infinite card

• Click the Apply Now and then the Get Started buttons on the RBC Avion Visa Infinite web page.
• Confirm if you are an existing RBC customer or not. Sign in if you are an existing customer for a faster application process. 
• If you are not an existing member, review the card’s terms and conditions and click Continue. 
• Enter your personal details, such as full name, email, date of birth and address.
• Enter any employment or financial information requested. 
• Review and submit your application.

Both cards have similar income requirements, but have different loyalty programs and earn rates.

Reasons you might want a different card

If you’re looking for a rewards card outside of the Avion points program, that has higher earn rates and offers airport lounge access, you may want to look elsewhere. 

RBC Avion Visa Infinite facts

Rating methodology.

NerdWallet Canada rates credit cards according to overall consumer value and their suitability for specific kinds of consumers. Factors in  our evaluation methodology  include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as airline or hotel perks or the ability to transfer points.

Frequently asked questions about RBC Avion Visa Infinite

No. RBC Avion Visa Infinite does not offer access to airport lounges. The bank’s higher-tiered card (RBC Avion Visa Infinite Privilege) does offer lounge access.

You must have a minimum gross income of $60,000 ($100,000 for the household) or at least $250,000 of investable assets to be eligible for this card.

About the Author

Georgia Rose is a lead writer on the international team at NerdWallet. Her work has been featured in The Washington Post, The New York Times, The Independent and The Associated…

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Review: RBC Avion Visa Infinite Card

Josh Bandura May 2, 2024 / Card Review , RBC Rewards / 6 comments

In the Canadian market, often credit card rewards programs are useful only for a specific type of redemption or travel agency. The options available to you for redeeming can be limited. Part of my mantra when it comes to miles and points is flexibility, and some cards and programs simply do not provide the level of flexibility that I need as a traveler.

On the other hand, there are some cards and rewards programs that can be considered a jack of all trades in both utility and redemption options. The RBC Avion Visa Infinite card and the RBC Avion Rewards program are two such elements that you need to involve yourself in if you want to truly maximize miles and points for your travels.

Let’s dive into our review of the RBC Avion Visa Infinite credit card and why it is one of our favorite cards at Frugal Flyer.

Welcome Bonus

The RBC Avion Visa Infinite credit card currently has a welcome bonus in which new cardholders can earn up to 35,000 Avion points :

• Earn 35,000 Avion points upon credit card approval

The RBC Avion Visa Infinite card earns Avion Elite points and gives cardholders the opportunity to earn 1.25x Avion Elite points  on all travel purchases. In 2024, we awarded this card as the Best Flexible Points Travel Credit Card.

Check out our RBC Avion Visa Infinite card review for more details.

Typically, the bonus Avion points from this welcome offer will show up in your credit card account once your first statement has been posted.

Earning Rates

The RBC Avion Visa Infinite card earns points on a two-tier structure:

• 1.25 Avion points for every dollar spent on all eligible travel purchases (merchants that code as travel within the Visa network)
• 1 Avion point for every dollar spent on all purchases on the card

As with many credit cards, the welcome bonus far outpaces the rate at which you can expect to earn points on your organic spending. If you are looking for a simple-to-understand earning structure, you may find that this card is a decent fit for your wallet.

The card’s earning structure isn’t terrible, but there are much better options out there depending on the category of purchases. For example, you could earn up to an effective 6% back on groceries if you used one of the best credit cards for grocery purchases .

The RBC Avion Visa Infinite credit card has an annual fee of $120 which is in line with many comparable cards within the Canadian market.

Customers who have a RBC Signature No Limit Banking account can receive a $35 rebate towards the annual fee on this card, whereas customers who have a RBC VIP Banking account can receive a $120 rebate towards the annual fee.

Redeeming RBC Avion Points

One of the greatest strengths of earning Avion points in the RBC Rewards program is that there are a variety of solid options for redemption. Avion points are worth roughly 1.9 cents per point when used for a variety of travel redemptions, including fixed point travel and transferring to partner mileage programs.

The RBC fixed travel redemption schedule gives cardholders the opportunity to redeem Avion points for a flight up to a set dollar amount. For example, 35,000 Avion points can get you up to $750 towards a round-trip flight in North America (except Hawaii or Alaska). This can be a straightforward way to redeem points for travel if you don’t want to deal with any third-party travel program.

On the other hand, if you hold an eligible RBC credit card, Avion can also be transferred to third-party airline mileage programs including British Airways Avios , American Airlines AAdvantage, WestJet Rewards , and Cathay Pacific Asia Miles . This makes this card one of the best Visa credit cards in Canada for those who are interested in travel rewards.

Transferring to partners can present some unique and outsized opportunities for value, such as transferring Avion points to Avios at a ratio of 1:1 to redeem for Qatar Airways QSuites . On the other hand, transferring Avion to WestJet Dollars may also be a good fit if you are looking to top up your WestJet Dollars balance for a WestJet Vacations redemption at a ratio of 100:$1.

More in-depth information on redeeming Avion points and the best way to redeem your points can be found in our RBC Rewards Guide .

Insurance Coverage

The RBC Avion Visa Infinite card comes with a comprehensive suite of travel insurance coverage, plus a few additional coverages:

• Emergency medical insurance
• Travel accident coverage
• Car rental collision and loss damage coverage
• Trip cancellation insurance
• Trip interruption insurance
• Flight delay coverage
• Hotel and motel burglary insurance
• Purchase security
• Extended warranty
• Mobile device insurance

As always, we recommend that you refer to the RBC Avion Visa Infinite certificate of insurance to understand the terms, conditions, and eligibility. 

For example, the trip cancellation and trip interruption insurance on the RBC Avion Visa Infinite covers trips fully charged to the card or redeemed with Avion points, but it would not cover a trip booked where you redeemed WestJet Dollars.

Keeping that in mind, you should always be aware of how credit card travel insurance can be applied towards your bookings and if your bookings would even be eligible.

Who is the RBC Avion Visa Infinite Card Best For?

The RBC Avion Visa Infinite card fits the bill for those who are interested in a card that has a flexible points currency. Outside of American Express Membership Rewards , there are not many other points currencies in Canada that can be transferred to frequent flyer programs which makes collecting Avion points that much more desirable.

While I personally love transferring my Avion points to British Airways Avios for some of the outsized redemption options, others may find satisfaction in further building their WestJet dollars balance or simply redeeming for fixed points travel.

The flexibility of Avion points makes them an important cornerstone in the Canadian miles and points scene, and one that every traveler should consider.

The RBC Avion Visa Infinite card is the crown jewel of RBC’s credit card lineup. I always have this card in my wallet and recommend that you add it to your wallet too.

Remember that you can apply for a new RBC credit card every 90 days and that you can product switch credit cards with RBC . With that in mind, if you are looking for a new travel-focused credit card to add to your wallet, the RBC Avion Visa Infinite is a great fit.

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6 comments on “ Review: RBC Avion Visa Infinite Card ”

With Forex fees, it’s clearly a card to only use in Canada, though…

Hey Tom, that is very true. Better to have a US card or No FX fee credit card for use abroad.

I heard Avion points can be redeemed via refundable AC booking for AC credits. Would you please update with a guide?

We’ve hinted at refundable bookings before however its not something we would provide an explicit guide for. Also at scale, RBC may not like it…

Hi Josh, If after 11 month, you close that card. Decide to make a new demand of the same card after a ‘certain’ delay. Bonus points again on that ‘new’ card ? I hope…. In that situation, no problem with the 90 days rule, but how long do I have to wait until a new demand ? What if I wait 2 to 3 week ?

Hi Colonel,

I think you have a good plan on how to proceed.

Editorial Disclosure: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. For complete and current information, please consult the entity's website.

RBC Avion Visa Infinite Privilege Card review

• Rates & Fees
• Eligibility

1.25 Avion points for every $1 you spend

3¢/L savings at Petro-Canada and always earn 20% more Avion points

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

20% savings at Hertz and earn 3x the Avion points

$0 delivery fees for 12 months from DoorDash

20.99% Purchase APR

22.99% Cash Advance APR 21.99% if you reside in Quebec

$399 Annual Fee

2.50% Foreign Transaction Fee

Very Good Recommended Credit Score

By Cameron Smonk

Fact Checked: Amy Tokic

Updated: March 20, 2024

Play article   

(    mins)

(    )

• Best RBC credit cards in Canada
• RBC Avion Visa Infinite Card
• WestJet RBC Mastercard
• RBC ION+ Visa
• Best Visa credit cards in Canada
• BMO eclipse Visa Infinite Privilege* Card
• CIBC Aventura® Gold Visa*
• Home Trust Preferred Visa Card
• Best travel credit cards in Canada
• TD® Aeroplan® Visa Infinite* Card
• BMO Ascend™ World Elite®* Mastercard®*
• Rogers™ World Elite® Mastercard®

Quick overview of RBC Avion Visa Infinite Privilege Card

When a card has the words “Infinite” and “Privilege” in its name, you’re right to have certain expectations. First, you’re going to assume there’s a bunch of perks for the elite clientele this card clearly caters to. Next, you’re probably going to brace yourself for the inevitably high fees. And last, you might ask, “can I even qualify for this card?”

All of this is applicable to the RBC Avion Visa Infinite Privilege Card. It’s a high-tier travel card for the high-tier travellers. It's got a pretty competitive welcome bonus of 35,000 Avion points (which are highly transferable and thus flexible) plus big travel perks like global lounge access and even a two for one ski pass perk (which we’ll dive into down below). On top of that, you earn 1.25 Avion points for every dollar spent, and as a decent rule of thumb if you’re doing better than one-for-one, you’re probably ahead of the game.

And that all comes at a cost. The $399 annual fee (with no first year free or rebate) is definitely going to scare off some casual point collectors. Even if you do want the RBC Avion Visa Infinite Privilege, you’re gonna need to bring a very good credit score and a household income of $200k. So, is it for you?

Who’s the RBC Avion Visa Infinite Privilege Card for?

This card is for well-to-do travel fiends – full stop. This card also resonates with me as someone who keeps multiple travel cards on hand at any given time, because having a network of cards with access to different lounges is a great idea. Plus, Avion points are so easily transferable and valuable with the RBC Air Travel Redemption Schedule. I could definitely see this card fitting in alongside an Amex whose points I might transfer to Marriott Bonvoy for hotels and keep the Avion for flights.

Pros and cons

Competitive welcome bonus, earned on approval

Great insurance coverage

1.25 Avion points per dollar spent on eligible purchases

Plenty of of bonus perks like lounge access and ski pass

Intimidating, unskippable annual fee

High-income barrier, with a very good credit score needed

RBC Avion Visa Infinite Privilege Card welcome bonus

• Earn 35,000 Avion points, a value of ~$700 (if spent on travel)
• 35,000 points automatically earned on approval

How to earn Avion points on the RBC Avion Visa Infinite Privilege Card

In addition to the generous welcome bonus, the RBC Avion Visa Infinite Privilege offers a competitive 1.25 points for every dollar you spend, regardless of purchase category. So, if you plan to put a reasonable (considering the snack bracket this card targets) $2,000 a month on this card, you’re clearing 2,500 points a month. 

Plus, this card pairs with a Petro Points card, and gives you an additional 20% point bonus when spending at Petro (all while saving 3 cents per litre at the pump).

How to redeem Avion points on the RBC Avion Visa Infinite Privilege Card

One of the best parts of the Avion program is just how flexible the points are. For travel, the far-and-away best value is to book through the RBC Air Travel Redemption schedule, where your monthly spending over a year could net you close to $700 worth of points (and that’s not including the welcome bonus).

On top of that, you can also redeem your points through RBC Rewards, pay off your RBC bank statement, make donations to charity and purchase merchandise and gift cards through the RBC Rewards program.

But it should be noted – this is truly a card for travel, not for tchotchkes. Even transferring through a partner airline, you’re still getting an incredible bang for your buck, that’s nearly halved in value if you’re springing for gift cards.

RBC Avion Visa Infinite Privilege Card key benefits

• Very generous welcome bonus and high earning potential
• Valuable points when used for travel
• Exceptional insurance coverage
• Flexibility to transfer points 1-1

RBC Avion Visa Infinite Privilege insurance coverage

If insurance is important to you, the RBC Avion Visa Infinite Privilege is going to be very tempting indeed.

• Emergency medical insurance : This card covers eligible medical expenses incurred while traveling abroad for up to 31 days in a row, and that coverage is unlimited. 
• Travel accident insurance : The RBC Infinite Privilege provides coverage in case of accidental death or dismemberment while traveling on a common carrier. It covers up to $1,000,000.
• Lost baggage insurance : It also covers the cost of replacing lost or stolen baggage and personal items while traveling on a common carrier. The coverage amount is up to $1,000 per insured person.
• Trip cancellation insurance : It provides coverage for non-refundable travel expenses in the event of unexpected illness, injury or death of either the cardholder or an immediate family member. The coverage amount is up to $2,500 per insured person.
• Trip interruption insurance : Like for trip cancellation, this card provides coverage for non-refundable travel expenses in the event of illness, injury or death of the cardholder or an immediate family member, or if the cardholder’s travel plans are disrupted due to a covered reason. It covers a generous $5,000 per insured person.
• Mobile device insurance : The RBC Avion Visa Infinite Privilege covers the cost of repairing or replacing your mobile device in the event of accidental damage or theft up to $1,500 per incident.
• Extended warranty insurance : This card doubles the manufacturer’s warranty for up to two additional years on purchases made with your card. It covers up to $10,000 per claim made.
• Purchase security insurance : It also provides coverage against theft, loss or damage for 90 days from the date of purchase on items purchased with your card. The coverage amount is up to $10,000 per occurrence.
• Rental car insurance : The RBC Avion Visa Infinite Privilege offers coverage for theft or damage to rental vehicles when you rent a car for up to 48 consecutive days. The coverage is relative to the value of the rental vehicle.

Extra benefits

As you’d expect from a card called “Infinite Privilege” this card comes chock full of bonuses that squarely aim to appeal to travelers, plus that ski pass I mentioned above.

• Called “The Friday Friend Pass,” you get a buy-one-get-one-free deal when you purchase your lift pass with your RBC Avion Visa Infinite Privilege at participating Canadian ski resorts.
• Global lounge access, fast track at security lanes and dedicated parking at participating Canadian airports (for anyone who’s wrestled with airport parking on a tight timeline, this could be huge).
• Save 3 cents on fuel at Petro Canada, all while earning 20% more Avion points.
• When linked with the rewards program, you can earn 50 Rexall “Be Well” points for every dollar spent
• Save up to 20% on Hertz car rentals and earn 3x the points per dollar spent
• Access a one-year DoorDash “DashPass” subscription, valued at $120

What people have to say about this card

Not all people love this card. Says reddit user baikal7 , “Pretty much any Visa Infinite Privilege is around $400-$500. They must be pushing it harder since they lowered the individual income requirements to $150k from $200k.

Many people cringe at the high annual fee of the RBC Avion Visa Infinite Privilege. But they shouted out the fast track lanes – something as a traveler I adore – and noted its price was pretty competitive with its peers.

This card is for the real travel heads, and I suspect more than a few point nerds. I see its value extracted most effectively when paired with other cards that might also allow transfer to Avion partner airlines so as to accrue points fast. Plus, with no minimum spend requirement, you can use the bonus on the RBC Avion Visa Infinite Privilege pretty much immediately, which is awesome for spontaneity (unlike Amex cards, for instance).

How RBC Avion Visa Infinite Privilege Card compares

Rbc avion visa infinite privilege vs. scotiabank platinum american express.

This card really goes head to head with the RBC Avion Visa Infinite Privilege, and depending on what you’re looking for I’d honestly endorse either of these. For instance, Scene points just aren’t as flexible as Avion points, and arguably less valuable for travel, on the whole. But Scotiabank also allows you to save 2.5% on foreign exchange fees with this card, which is incredible if you’re travelling abroad for any length of time.

They’re both going to set you back $399 per year, and demand a higher income and credit score. One thing to note is the Scotiabank Platinum offers 10 airport lounge passes a year, compared to RBCs six, for those craving comfort while travelling extensively.

While the 50k Scene bonus points are pretty good, it will also take you a year to access them. Compare that to the bonus upon approval of the RBC Avion – I might tentatively give the edge to the Infinite Privilege here, preferences dependent. 

RBC Avion Visa Infinite Privilege vs. American Express The Platinum Card

I love the Amex Platinum . I literally struggled to cancel it, despite staring down the barrel of another nearly $800 annual fee. Making $10,000 minimum spend in three months is absolutely no joke, but for the high-income individuals both the Platinum and the Infinite Privilege cards target, it should be doable.

The perks are incredible. Some of the best lounge access in the world, incredible concierge service, and – never forget – the annual $200 travel credit through American Express Travel Online, and the $200 Annual Dining Credit at some of Canada's best restaurants which eases the sting of the annual fee considerably. That combined with 70,000 Welcome Bonus points (which are unbelievable when transferred 1-1 to Aeroplan) and you have a card that's tough to beat.

That said – if you found the $399 annual fee tough to swallow for the RBC Avion Visa Infinite Privilege, the Platinum might be a bridge too far.

RBC Avion Visa Infinite Privilege vs. RBC Avion Visa Infinite

Is the rbc avion visa infinite privilege card worth it.

If you’ve got an income of $150,000 and a hankering for travel, I would say that this card is as worth it as many of its similarly priced peers, especially if you want the bonus without the three to six month minimum spend requirements of competitor cards.

That said, I think this card is best used alongside a suite of travel cards, up to and including the Amex Platinum (so long as fees don’t shake your knees). All that said, yes – I think the RBC Avion Visa Infinite Privilege is worth it.

Is the RBC Avion Visa Infinite Privilege worth it?

If you have a love of travel and do so frequently (plus an income exceeding $150,000 a year) the RBC Avion Visa Infinite Privilege is worth it – depending on the perks you’re most keen on.

Is there a difference between Visa Infinite and Visa Infinite Privilege?

Several in fact! Notably the Infinite has a lower annual fee ($120 compared to $399) and requires a minimum spend to access the welcome bonus (the Privilege does not).

What is the income limit for the RBC Avion Visa Infinite Privilege?

The income requirement is $150,000 for an individual, or $200,000 for a household.

Does Visa Infinite Privilege get lounge access?

It does indeed, to more than 1,200 airport lounges, though you only receive six complimentary lounge passes per year.

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment

Cam is a content marketer with a passion for saving, financial independence, and pulling off elaborate credit card point schemes. He has worked in Fintech and Finserve (specifically Group Retirement) and loves researching and writing about finance.

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RBC Avion Visa Infinite Review 2024: A Flexible Travel Credit Card With No Blackout Dates

Updated: May 22, 2024, 5:26pm

Fact Checked

This is a straightforward credit card with a flexible travel rewards redemption schedule, especially since you can use Avion points for travel with any airline around the world with no blackout dates. However, given the high income requirements and annual fee, the base earn rate is low, the only accelerated earn rate is for travel purchases, and the other benefits and features are limited to certain kinds of travel insurance.

• Earn points on every dollar spent
• Earn 1.25 points for every dollar spent on eligible travel purchases
• No blackouts or seat restrictions when using points for flights
• High annual fee
• Requires a minimum personal income of $60,000  or a minimum household income of $100,000.
• Imposes higher acceptance cost on merchants, so might not be accepted at their discretion.

Table of Contents

Introduction, quick facts, rbc avion visa infinite rewards, rbc avion visa infinite benefits, how the rbc avion visa infinite stacks up, methodology, is the rbc avion visa infinite right for you.

• Get 35,000 welcome Avion points on approval**—enough to fly anywhere in Canada & the U.S† (Alaska and Hawaii require more points)
• Earn 1 Avion point for every dollar you spend* and an extra 25% on eligible travel purchases.
• Avioners can book flights with points on any airline, on any flight, at any time, early or last minute, with no blackout periods or restrictions.
• Avioners earn points that never expire so your points will be waiting for your next adventure.
• Redeem your points for travel and more. Use points for anything from paying bills and paying your card balance to redeeming gift cards and aerchandise at top brands like Apple. The Avion Rewards program gives you the freedom to use your points your way and helps you make the most of your time as an Avioner.
• Eligible Avion Rewards members can also convert points to other loyalty programs, including WestJet dollars, British Airways Avios points and Hudson’s Bay Rewards points.
• Link your RBC card with a Petro-Points membership to instantly save 3₵ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more Avion points
• Link your RBC card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in-store on eligible purchases where 25,000 Be Well points = $10
• Get access to RBC offers, which provides access to earn points faster at specified brands
• Extensive insurance, including mobile device insurance, travel insurance (trip cancellation, interruption and emergency medical) and other eligible purchases to protect you and your family
• Avioners get access to luxury Visa Infinite benefits, including first-in-line access to exclusive events and hotel and dining benefits.
• Avioners no longer need 14-days to book travel using the RBC grid
• Get a 12-month complimentary DashPass subscription± – a value of almost $120
• Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card
• Get a 12-month complimentary DashPass subscription18 – a value of almost $120

Apply for the RBC Avion Visa Infinite Card — A flexible travel card with no blackout dates

On RBC’s Website

The RBC Avion Visa Infinite card is pretty basic in the grand scope of the Canadian travel credit card landscape. The regular earn rate is low (at 1 point for every dollar spent), and the only accelerated category is eligible travel, which earns you 25% more. Perks and benefits are also limited to a few types of travel insurance. Considering the annual fee is $120 and you need a minimum personal income of $60,000 to qualify, the RBC Avion Visa Infinite is lacking compared to other travel credit cards at this price point.

That being said, it’s not a bad card. The flight redemption schedule offers some pretty decent deals. Plus, you can use Avion points for any airline worldwide without blackouts or seat restrictions.

• Earn Avion points on every purchase at a rate of 1 point per dollar spent and 1.25 points per dollar spent on eligible travel.
• Points do not expire and can be redeemed towards travel with any airline with no blackout periods or seat restrictions.
• Cardholders can benefit from increased rewards when they link their card to participating programs at Petro-Canada and Rexall.

Earning rewards

Cardholders will earn Avion points when they spend with this card. Here’s how:

• Welcome bonus of 35,000 welcome Avion points on approval
• Earn 1 Avion point per dollar on all eligible purchases, plus an extra 25% on eligible travel-related purchases

There are no accelerated categories aside from travel. However, there are no earning caps or limits on how many points you can earn with this credit card.

Redeeming Rewards

Avion points can be redeemed online at avionrewards.com or via the RBC Avion app. You can redeem your Avion points toward:

• Travel: Avion points will have the best value when redeemed towards flights with the RBC Avion redemption schedule (a rate of $0.02-$0.0233). You can also redeem them through the RBC travel portal at a rate of $0.01 per point.
• Point Transfers: You can transfer Avion points to Westjet, British Airways and American Airlines.
• Gift Cards: You can redeem your Avion points for gift cards.
• Merchandise: You can redeem your Avion points for merchandise.
• Statements Credits: You can use your points toward your credit card statement.
• Charity Donations: You can use your points to donate to charity.

Rewards Potential

While the flexible redemption schedule for RBC Avion points is great, the earn rates and rewards potential are lacking compared to similar credit cards with high accelerated rates and a strong earning schedule. This means earning points with the RBC Avion Visa Infinite will be slower. That being said, cardholders can still come out ahead. Based on average Canadian spending, Forbes Advisor estimates this card could earn $178.72 in rewards value per year after the annual fee.

Travel Insurance

• Emergency Medical: Coverage for 15 days if you are under 65 or for the first three days if you are 65 or older.
• Travel Accident: Coverage up to $500,000.
• Trip Cancellation: Coverage up to $1,500 per person per trip (overall maximum of $5,000).
• Trip Interruption: Coverage up to $5,000 per person per trip (maximum of $25,000).
• Flight Delay: Coverage up to $250 per covered person (maximum of $500 per occurrence).
• Delayed Baggage: Coverage up to $500 per covered person (maximum of $2,500 per occurrence).
• Hotel/Motel Burglary: Coverage up to $2,500 per occurrence.
• Auto Rental Collision/Loss Damage Waiver Insurance: Coverage for 48 consecutive days on vehicles under $65,000 MSRP.

Consumer Insurance

• Purchase Protection: Coverage for 90 days.
• Extended Warranty: Double the manufacturer’s warranty for up to a year.
• Mobile Device Insurance: Coverage up to $1,500.

Partner Benefits

• Petro Canada: Link your Petro-Points card to save $0.03 per litre on gas and earn 20% more Petro-Points.
• Rexall: Get 50 BeWell for every dollar spent on eligible purchases at Rexall when you link your card.
• DoorDash: Get a complimentary DashPass subscription for up to 12 months.
• The Friday Friend Pass: Buy one Friday lift pass with your card at participating resorts across Canada and get a free lift pass.

Visa Infinite Benefits

• Visa Infinite Luxury Hotel Collection: Enjoy perks like room upgrades, complimentary WiFi, and late checkout at properties worldwide.
• Dining & Wine Country : Get access to culinary experiences at the best restaurants in Canada.
• Complimentary Concierge: Get a complimentary concierge service.

Interest Rates

• Regular APR: 20.99%
• Cash Advance:  22.99%
• Balance Transfer: 22.99%
• Foreign Transaction Fee: 2.5%
• Balance Transfer Fee: 3% of the transaction amount
• Annual Fee: $120
• Any Other Fees: additional card: $50, dishonoured payment: $45, overlimit fee: $29 (does not apply in Quebec)

RBC Avion Visa Infinite vs. TD® Aeroplan® Visa Platinum* Card

The TD® Aeroplan® Visa Platinum* Card has an $89 annual fee and earns rewards at a rate of 1 point per dollar spent. While there are no accelerated categories, Aeroplan members can double dip and earn double the points at participating retailers. This card also comes with comprehensive insurance plus the Aeroplan program, one of the top rewards programs in Canada. With similar structures, the TD Aeroplan Visa Platinum Card is likely a better pick since it does have a lower annual rate.

RBC Avion Visa Infinite vs. PC World Elite Mastercard

The PC World Elite Mastercard is a no-annual-fee credit card aimed at individuals who are more interested in earning free  groceries than redeeming points for travel or shopping rewards. Cardholders earn 30 to 45 points per dollar spent at participating PC Optimum rewards brands and 10 points per dollar spent elsewhere. While the PC World Elite Mastercard does come with travel insurance, it’s not a travel card. If you are in the market for a card where the rewards are best for travel, then the RBC Avion Visa Infinite is the better pick.

RBC Avion Visa Infinite vs. CIBC Aeroplan Visa Infinite Card

Another Aeroplan card to compare is the CIBC Aeroplan Visa Infinite Card. At $139 per year, it’s a little pricier than the RBC Avion Visa Infinite card, however, it also has higher earn rates of 1.5 points per dollar spent on gas, groceries, Air Canada travel and electric vehicle charging. All other purchases earn 1 point per dollar spent. Since it is an Aeroplan card, you can double dip with Aeroplan partners, earning points even faster. It is a bit more expensive, but the earning and rewards potential is much higher, meaning it is more lucrative as a travel credit card.

When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With rewards, the scoring model used considers factors such as, but not limited to, reward rates and categories, fees, welcome bonuses, and other benefits and features. Keep in mind that what may be best for some people might not be right for you. Conduct informed research before deciding which cards will best help you achieve your financial goals.

The RBC Avion Visa Infinite card is attractive because you can earn points across all purchases and the redemption schedule for flights is incredibly flexible. That said, it will be slow to earn points with the majority of purchases at the lower earning rates for this credit card. Plus, perks and benefits outside of travel insurance are lacking. If you are a frequent traveller and are really looking to get into maximizing points and rewards, it may not be the best option for you.

Related : Rounded up the best credit cards

Frequently Asked Questions (FAQs)

What are the benefits of rbc avion visa infinite.

The RBC Avion Visa Infinite allows you to earn points on all purchases without having to worry about a spending cap. Points can be redeemed for merchandise, gift cards, travel and more, with travel being the most lucrative option.

What is the minimum income for RBC Avion Visa Infinite?

Eligible candidates must have a minimum personal income of $60,000 or a household income of $100,000 to qualify for this credit card.

Does RBC Avion Visa Infinite have lounge access?

No, the RBC Avion Visa Infinite credit card does not offer cardholders any type of lounge access.

Hannah Logan is a Canadian freelancer writer and blogger who specializes in personal finance and travel. You can follow her adventures on her travel blog EatSleepBreatheTravel.com or find her on Instagram @hannahlogan21.

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Sign In to Avion Rewards

Sign in with:

If you have a personal credit card or deposit account, you need to enrol in RBC Online Banking to enjoy Avion Rewards. It’s easy and secure.

Important travel updates and what you need to know

Last Updated: June 27, 2023

Attention: Important Travel Updates

To get the most recent update on your flight status, visit the website of the airline you are travelling with. You’ll need your booking reference number (airline confirmation) on your itinerary to access your flight information.

If you’d like to manage or change your existing booking, please log into Avion Rewards Travel . Once you are in the travel portal click the blue “Help” button at the bottom right corner to make changes or cancel your booking.To cancel or change your trip details:

• Go to Avion Rewards Travel
• Select "My Trips" in the top right corner
• Select your upcoming trip and click “Manage booking”
• Choose “Cancel Flight”, “Change Flight”, or “Change Reservation” and follow the instructions
• To book new travel using Avion points

To book a new flight using an airline travel credit

Airline travel credit rules to remember, insurance policies, cwt vacations update, rbc avion visa infinite privilege for private banking cardholders: new travel advisor service details, to book new travel using avion points:.

Book through Avion Rewards Travel or contact the Avion Rewards Travel Call Centre at 1-877-636-2870 (additional service fees apply).

If you have an airline credit due to a flight cancellation that you’d like to use, contact the Avion Rewards Travel Call Centre at 1-877-636-2870.

Be sure to have the following ready when you call:

• Itinerary number of the original booking
• Travel credit amount
• Traveller name(s)
• Details of your new flight options, including flight numbers for your preferred outbound and/or inbound flights
• Each airline sets their own policy for how you can redeem your credit
• If you use an airline travel credit for a ticket to a destination in a different jurisdiction or region than the original booking, you may incur additional taxes and fees. Applying the credit to a new set of taxes and fees vary based on airline policy. Our agents can’t waive them.
• Some airlines may require you to use the entire credit value at once to receive the full value. Please contact Avion Rewards Travel Call Centre at 1-877-636-2870 for more information
• Airline credits (including taxes and fees) can only be used for air travel with the airline you originally booked with. They cannot be used for other services such as checked bags, upgrades, etc.
• Each airline credit is in the original traveller’s name; you can’t combine airline credits or transfer them to another person
• Airline credits have a travel-by date (sometimes called credit validity)
• When planning to travel, please check your airline’s website for possible changes to your flight experience and any new passenger requirements. Many airlines are making temporary changes to prioritize traveller safety

For credit card insurance coverage, refer to your travel insurance policy/certificate for further details. For other travel insurance, please contact your travel provider directly.

Trip Cancellation and Interruption insurance coverage included with your RBC credit card provides coverage for trips that are paid in full with your RBC credit card (and/or Avion points). Trips booked using a travel credit/voucher are not covered, even if originally purchased on your RBC credit card. Please consider your options, such as purchasing travel insurance when using a travel credit/voucher. If you require assistance or have questions about your coverage, please contact Assured Assistance Inc .

Effective July 31, 2022, you are no longer able to redeem your Avion Points at CWT Vacations locations.

Please contact the location where you originally booked your travel unless otherwise advised. Please refer to the travel advisor contact information on the invoice or email provided to you when you made your original reservation.

CWT Harvey’s Travel will service your existing CWT Vacations’ booking. You can contact CWT Harvey’s Travel by calling at the same number (1-866-926-4070).

Your new travel advisor service is provided by Avion Rewards Travel Concierge for Private Banking . To book travel, call 1-888-ROYAL 8-5, choose a language, select Travel (option 2), then select Travel Concierge for Private Banking (option 2).

Making changes to existing bookings with CWT Vacations

CWT Vacations will continue to service existing bookings. You can contact CWT Vacations at 1-888-ROYAL 8-5, select language and option 2 and 3.

RBC Emails : Please know that RBC will never ask you to provide, confirm or verify personal, login or account information through regular email, text message, phone calls or when signing into an online service. Please disregard any emails or text messages requesting that you reply with confidential information. If you have received a suspicious message from RBC, please forward it to [email protected] .

Supporting Clients Impacted by COVID-19

We remain committed to keeping you informed about actions we’re taking, to support you during this time. Get important information on the support and assistance RBC has made available to help you as we focus on keeping clients and employees safe during this difficult time.

RBC Rewards becomes Avion Rewards

RBC Rewards is now called Avion Rewards .

One of the benefits of this is that it simplifies the range of RBC credit cards: some were part of the Avion program, such as the most popular, the RBC Avion Visa Infinite Card while some others were part of the RBC Rewards program.

Now they are all part of the same Avion Rewards program. But there are different levels of Avion members!

Avion Premium and Avion Elite membership levels

In order to distinguish the different Avion credit cards, there are two levels in the Avion Rewards program:

• Avion Premium
• Avion Elite

Here is the breakdown of the credit cards between Avion Premium and Avion Elite:

All Avion members, whether they are Avion Distinction or Avion Elite , benefit from cash back offers, RBC online offers , and can pay with points or redeem them for gift cards or products.

Note that you can become a Avion Premium member not only with certain credit cards, but also with other eligible RBC products: RBC Personal Deposit Accounts, Personal RBC investment products, RBC installment loans, lines of credit and home equity financing.

However, as was previously the case, only Avion Elite members – those with an Avion credit card – will be able to access the Air Travel Redemption Schedule and the Avion Collection experiences.

Also, Avion Elite members get exclusive Elite level offers to earn or redeem points.

Here are the differences in the use of points between Avion Premium and Avion Elite:

Therefore, if you wish full flexibility in using your Avion points, it will be necessary to have an Avion credit card such as the RBC Avion Visa Infinite Card .

You can then convert your points to airline partners like American AAdvantage , British Airways Executive Club , or Asia Miles .

If you do not have an Avion Elite credit card – but have another Avion Premium credit card such as the RBC ION Visa Card or the RBC ION+ Visa Card – you just need to apply for an Avion card such as the RBC Avion Visa Infinite Card to turn your points into Avion Elite points!

Avion Rewards online shopping portal

RBC launched of a browser extension called Avion Rewards ShopPlus , providing offers on more than 1,900 brands. However, you need to download the mobile application, which means you can only use the extension on Safari and from your mobile device.

It’s the closest thing to online shopping portals such as AIR MILES ( airmilesshops ), Aeroplan ( eStore ) or Rakuten .

Current Avion Rewards Offer

Rbc avion visa infinite card.

With this offer for the RBC Avion Visa Infinite Card, you can earn 35,000 Avion points upon approval . No purchase necessary!

You can use your Avion Rewards points for travel or redeem them with other loyalty programs such as :

• American Airlines AAdvantage
• British Airways Executive Club (and Qatar Airways Privilege Club)
• Cathay Pacific Asia Miles
• WestJet Rewards

The current welcome offer, for example, gives you the equivalent of 35,000 British Airways Avios or 350 WestJet Dollars .

With the RBC Avion Visa Infinite Card, you earn 1 point per dollar and 1.25 points for travel purchases.

What’s more, you’ll benefit from a wide range of insurances: trip cancellation and interruption insurance, out-of-province or out-of-country emergency medical care insurance, collision and damage insurance for rental vehicles, and mobile device insurance.

RBC ® Avion ® Visa Infinite Privilege* Card

With this exceptional offer for the RBC Avion Visa Infinite Privilege Card, you can earn up to 70,000 Avion points:

• 35,000 Avion points on approval
• 20,000 Avion bonus points when you spend $5,000 in your first 6 months
• 15,000 Avion points as a one-time anniversary bonus 12 months after account opening

The current welcome offer, for example, gives you the equivalent of 70,000 British Airways Avios or 700 WestJet Dollars .

With the RBC Avion Visa Infinite Privilege Card, you earn 1.25 points per dollar.

Finally, you get six complimentary global airport lounge access passes and security fast track lanes at select Canadian airports

Bottom Line

RBC states that there will be no further changes:

• The value of your points will remain the same
• Points will not expire
• Point earning ratios will not change

Frequently asked questions about Avion Rewards

If i was already a member of the rbc rewards program, do i need to enroll in the avion rewards program.

No, you will be automatically enrolled. Simply visit the Avion Rewards website or access the Avion Rewards app to discover the benefits of Avion Rewards.

What is the difference between RBC Rewards points and Avion points?

No, you are automatically enrolled. You can simply sign into the Avion Rewards website or the Avion Rewards app to discover what Avion Rewards has to offer.

From now on, your points will be called Avion points (formerly RBC Rewards points).

Will my RBC Rewards points expire under Avion Rewards?

No, your RBC Rewards points will not expire, but since August 25, 2022, they have been renamed Avion points.

Your points are yours to use as long as your account remains open and in good standing.

Has the way I earn Avion Rewards points changed?

No. You will continue to earn points on:

• Eligible purchases made through your credit card accounts, banking rewards accounts, or eligible personal deposit accounts enrolled in the Value Program
• IAdditional / bonus points earning opportunities and/or offers available from merchants, retailers or service providers from time to time

What happens to the value of my RBC Rewards points now that the program has become Avion Rewards?

The value of your existing points will not change.

Who is eligible to participate in the Avion Rewards program?

Customers who own one of the following products are eligible for Avion Premium membership:

RBC Personal Deposit Accounts

• RBC Advantage Banking, RBC Day to Day Banking, RBC No Limit Banking, RBC No Limit Banking for Students, RBC Signature No Limit Banking, RBC Student Banking, RBC VIP Banking, U.S. Personal and RateLink Essential.

RBC Personal Credit Cards

• RBC Rewards+ Visa, RBC Rewards Visa Gold, Signature RBC Rewards Visa, RBC Rewards Visa Preferred, RBC Cash Back Mastercard , RBC Visa Cash Back, RBC Cash Back Preferred World Elite Mastercard , RBC Visa Classic Low Rate Option, RBC RateAdvantage Visa, RBC Visa Platinum, RBC U.S Dollar Visa Gold.

RBC Business Credit Cards

• RBC Visa CreditLine for Small Business

RBC Personal Investment Products

• Life Income Fund (LIF), Registered Disability Savings Plan (RDSP), Registered Education Savings Plan (RESP), Registered Retirement Income Fund (RRIF), Registered Retirement Savings Plan (RSP), Canadian Market-Linked GIC, Income Builder GIC, Non-Redeemable GIC, One-Year Cashable GIC, Prime-Linked Cashable GIC, RateAdvantage GIC, RBC Canadian Banking MarketSmart GIC, RBC Canadian Utilities MarketSmart GIC, RBC ESG Market-Linked GIC, RBC North American MarketSmart GIC, RBC US MarketSmart GIC, Redeemable GIC, US Dollar Term Deposit.

RBC Installment Loans, Lines of Credit and Home Equity Financing

• Government Sponsored Student Loan, Personal Instalment Loans, RBC Employee Student Loan, RBC Energy Saver Loan, RSP Loan, Royal Credit Line, Royal Credit Line for General Program, Royal Credit line for Professional in Medical & Dental Studies, Royal Credit Line for Professional Studies (i.e. MBA/EMA, Law, Masters of Accounting, Master of Finance, Master of Science in Business Mgmt), Royal Credit Line for Special Programs, Royal Credit Line for Students – Students Studying Abroad, Adjustable Rate Mortage (ARM), Construction Mortgage, Fixed Rate Mortgage, Investment Properties Mortgage, Low Down Payment Mortgage, Manufactured Home Construction Mortgages, Ratecapper Mortgage, RBC Homeline Plan, Reverse Mortgage, Variable Rate Mortage, where the product is not tied to a business banking profile

Clients with one of the following products are eligible to participate as an Avion Elite Member :

• RBC Avion Visa Platinum
• RBC Avion Visa Infinite
• RBC Avion Visa Infinite Privilege
• RBC Avion Visa Infinite Privilege for Private Banking
• RBC Avion Visa Business
• RBC Avion Visa Infinite Business card

All posts by Jean-Maximilien Voisine

Suggested Reading

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• Call 1-800-769-2511

Travel Insurance Claims and Service for RBC Clients Disclaimer 1

We're here when you need us..

Whether you need emergency assistance or have a claims question, our goal is to provide professional, caring support.

RBC Insurance Company of Canada has appointed AZGA Service Canada Inc. (operating as “Allianz Global Assistance”) as the provider of all assistance and claims services.

24-Hour Worldwide Emergency Service

Receive emergency medical assistance day or night.

Collect From Anywhere

Email us disclaimer 1.

Note: If a medical emergency prevents you from calling before receiving treatment, we ask that you (or someone else on your behalf) call Allianz Global Assistance at the earliest opportunity.

Get Help Before or During Your Trip

Contact Allianz Global Assistance as soon as possible if you need to:

Emergency Medical Assistance

Travel the world knowing emergency travel and medical assistance is just a phone call away.

Phone numbers

If you purchased your travel insurance directly from RBC Royal Bank call:

• Toll Free: 1-800-387-2487 (Canada and U.S.)
• Collect: (905) 816-2561 (collect from anywhere)

I f you have travel insurance through your RBC Credit Card call:

• Toll Free: 1-800-533-2778 (Canada and U.S.)
• Collect: (905) 816-2581 (collect from anywhere)

Email - If you are having trouble reaching our assistance provider, Allianz Global Assistance:

please email the information listed below to the Allianz Medical Team at [email protected] Disclaimer 1 :

• Your full name
• Your current location (city and country)
• How we can get in touch with you – phone number and/or email
• Other travelling companions who may require our assistance

(Note: Only messages related to medical emergencies will be responded to.)

Fax numbers

• 1-888-298-6340 (Toll-free fax from Canada & U.S.)
• (905) 813-4719 (Fax from anywhere)

Cancel Your Trip

Call your travel agent, airline, tour operator or carrier to cancel your trip no later than one business day after the cause of cancellation–and then call Allianz Global Assistance.

View phone numbers

1-800-263-8944 (Toll-free from Canada & U.S.)

24 hours a day, 7 days a week

Extend Your Coverage

Most of our plans let you extend your coverage (subject to certain conditions of your certificate of insurance).

Extend coverage under a single trip plan

If you've purchased a single trip plan, the following conditions apply:

• If you have not had a medical condition (Definition opens in new window) during your trip or while covered under your certificate of insurance, you can request an extension before the expiry date of your original certificate of insurance by calling Allianz Global Assistance at 1-866-896-8172 .
• If you have had a medical condition (Definition opens in new window) during your trip and while covered under your certificate of insurance, you must request the extension before the expiry date of your original certificate of insurance by calling Allianz Global Assistance at 1-800-387-2487 toll-free from the U.S. and Canada, or (905) 816-2561 collect from anywhere in the world. Your extension is subject to the approval of Allianz Global Assistance.
• You must pay the required additional premium before the expiry date of your original certificate of insurance.
• If your coverage cannot be extended due to the trip duration limits of your certificate of insurance, you may be able to purchase a new certificate of insurance by calling Allianz Global Assistance.

Extend coverage under a multi-trip annual plan

If you've purchased a multi-trip annual plan, the following conditions apply:

You may purchase a top-up certificate of insurance for the additional number of days beyond the duration covered by your multi-trip annual plan as follows:

• Before your effective date, call Allianz Global Assistance at 1-866-896-8172 to purchase top-up coverage.
• After your effective date and if you have not had a medical condition (Definition opens in new window) during your trip, call Allianz Global Assistance at 1-866-896-8172 before the expiry date of your original certificate of insurance to purchase top-up coverage.
• After your effective date and if you have had a medical condition (Definition opens in new window) during your trip, Allianz Global Assistance before the expiry date of your original certificate of insurance to request approval for and to purchase top-up coverage. Please call 1-800-387-2487 toll-free from the U.S. and Canada, or (905) 816-2561 collect from anywhere in the world.
• The terms, conditions and exclusions of the new top-up certificate of insurance apply to you.
• You must pay the required top-up premium on or before the effective date of the top-up period.

Make a Travel Claim

RBC Insurance Company of Canada has appointed AZGA Service Canada Inc. (operating as “Allianz Global Assistance”) as the provider of all assistance and claims services. They can be contacted 24 hours a day 7 days a week. Knowledgeable claims and service advisors are available to help you.

Report a claim

Medical and travel emergency.

• 1-800-387-2487 (Toll-free from Canada & U.S.)
• (905) 816-2561 (Collect from anywhere)
• Or email Allianz Global Assistance at: [email protected] Disclaimer 1

Trip Cancellation

Let us know you have cancelled your trip

Call your travel agent, airline, tour operator or carrier to cancel your trip no later than one business day after the cause of cancellation—and then call Allianz Global Assistance.

24 hours a day 7 days a week

How to Make a Claim

Follow these steps to submit a claim online:

Note: If you are new to Online Insurance you will need to enrol (Opens new window) by completing our easy 4 step enrolment process in 4 easy steps. Please make sure to have all of your supporting documents and completed forms available when you open a claim online.

Sign In (Opens new window)

Or, to make a claim by mail, please call Allianz Global Assistance at 1-800-387-2487 to obtain a claim form. Mail your completed and signed medical claim form, along with all necessary documents outlined below, to:

Allianz Global Assistance PO Box 277 Waterloo, ON N2J 4A4

Additional Claim information:

Emergency Medical

• Attach all original itemized bills and receipts to support your claim.
• Attach any medical records you may have been given at the time of treatment. For hospitalization claims, a complete copy of your medical records from the treating facility is required.
• For Multi-Trip Annual plans, attach proof of both departure from and return to your province of residence. The type of proof depends on whether you travelled via airline or car.
• For hospitalization claims, a complete copy of your medical records from the treating facility is required.

Please note: Depending on the claim, we may request more information.

• Call your travel agent, airline, tour operator or the carrier to cancel your trip (no later than one business day after the cause of cancellation).
• If you are cancelling because you, an immediate family member or travel companion are sick or injured, the physician who treated the sick or injured person on the date of the cause of cancellation must complete the Medical Information section of the claim form.
• If the medical condition is for yourself or your spouse, you will also need to provide your family physician’s clinical notes from the 90 days prior to your insurance application date up to the present date.
• Provide an itemized copy of your invoice, with a breakdown of the cost of your trip (i.e. airfare, hotels, taxes, service fees, other). You’ll need to provide proof of payment (Definition opens in new window) for each item.
• Attach original unused airline ticket(s) and any other original travel documents. If you received a refund from your travel agent or travel supplier, you’ll need to provide a copy of the statement or refund.
• If cancelling for non-medical reasons, you’ll need to provide substantiated evidence. This could be a copy of a subpoena for court/jury duty, a letter from your employer, a report from your airline/cruise, or a death certificate.

Trip Interruption

• If your trip is interrupted because you, an immediate family member or travel companion are sick or injured, the treating physician must complete the Medical Information section of the claim form. The physician who fills out the form must be the same one who treated the sick or injured person at your travel destination.
• Attach original unused airline ticket(s) along with the new return tickets you purchased. If you paid a change fee, you’ll need to include the original receipts for this cost.
• If the interruption is due to non-medical reasons, you’ll need to provide substantiated evidence. This could be a copy of a subpoena for court/jury duty, a letter from your employer, a report from your airline/cruise, or a death certificate.
• If you have additional expenses as a result of one of the insured risks, you’ll need to provide original receipts for all additional costs such as hotel accommodations, meals, essential telephone calls, or taxi fares.

Check a Claim's Status or Get Help with a Claim

Call Allianz Global Assistance to check a claim's status or get help with a form.

• 1-800-263-8944 (Toll-free from Canada & U.S.) Mon-Fri: 8am-8pm ET
• Fax (905) 813-4701 (Toll-free from Canada & U.S.)

Travel Advisories and Weather Alerts

Before you pack your bags, make sure it's safe to visit your destination.

Travel Advisories

http://travel.gc.ca/travelling/advisories

http://www.phac-aspc.gc.ca/tmp-pmv/index-eng.php

Weather Alerts

http://weather.gc.ca/warnings/

It’s important to confirm your travel arrangements and monitor weather conditions before departing on your trip. Airlines frequently allow changes to travel plans without a change fee. We suggest contacting your airline before heading to the airport to learn about potential delays and rescheduling options.

We offer coverage that helps protect you against carrier delays, missed connections and problems getting to the airport on time.  However, you must purchase trip cancellation and interruption insurance (in a travel insurance package or stand-alone) prior to the time that a severe storm warning or watch is issued. Once a severe weather warning or watch has been forecasted, trip cancellation and interruption losses resulting from the storm are excluded from your coverage.

Claims and Emergencies FAQs

Have a question about making a claim or getting help during a travel emergency? Get the answers you need here.

If you have trip cancellation and interruption insurance and the emergency is covered, it will help pay for your expenses to return home. There are a number of circumstances that qualify as an emergency (for example, the death or serious illness of a family member). These circumstances, as well as terms and conditions, are described in the certificate of insurance.

Trip cancellation and interruption insurance also reimburses you for any cancellation penalties that a travel provider might charge (if you cancel a non-refundable airline ticket, for example).

Remember, in order to be reimbursed, you must call Allianz Global Assistance. You can call Allianz Global Assistance toll-free 24 hours a day, 7 days a week at 1-800-387-2487 from the U.S. and Canada or (905) 816-2561 collect from anywhere in the world.

Yes, as soon as medically possible. There are several reasons to call the emergency contact number first:

• The multilingual representatives of Allianz Global Assistance are experienced experts in coordinating emergency care for travellers in foreign lands.
• They're available 24 hours a day, seven days a week.
• If you don't call Allianz Global Assistance first, your benefits may be reduced and your coverage may be limited . As stated in your certificate of insurance, if you do not contact Allianz Global Assistance at the time of your medical emergency or you choose to receive treatment from a medical service provider outside the Allianz Global Assistance network, you will be responsible for 30% of your medical expenses covered under your insurance and in excess of your medical expenses paid by your government health plan. You can call Allianz Global Assistance toll-free 24 hours a day, 7 days a week at 1-800-387-2487 from the U.S. and Canada or (905) 816-2561 collect from anywhere in the world.

Of course, obtaining urgent care in an emergency is your #1 priority—and our representatives are here to help at our toll-free emergency contact number. However, if your medical condition prevents you from calling before seeking emergency treatment, then you must call as soon as medically possible.

Someone else (a family member, friend, hospital or physician's office staff, etc.) may call on your behalf–so it's a very good idea to carry your RBC Insurance travel insurance wallet card with you at all times.

We want to do all we can to help you if you have an emergency—starting with reducing your stress level. If you need assistance call Allianz Global Assistance Toll-Free.

It's our goal to settle every claim as quickly as possible. While every claim is different, there are things you can do to speed things up:

• If you require emergency care on your trip , call our emergency contact number immediately, or at the earliest possible opportunity (someone else can call if you're unable to). If you do not, your coverage may be limited and your benefits could be reduced.
• If you need to cancel your trip prior to departing , call your travel agency, airline, tour company or the carrier immediately to cancel your trip no later than one business day after the cause of cancelation. Call Allianz Global Assistance the same day.
• For all claims , carefully read the instructions for submitting your claim. Make sure you fully complete any required claims forms and submit all required documentation at your earliest possible convenience. For example, you may need to provide Allianz Global Assistance with information on your past health history if you are submitting an emergency medical claim or a trip cancellation claim due to a medical condition.

The multilingual representatives of Allianz Global Assistance are ready 24 hours a day, seven days a week when you have a medical emergency. You can rely on them to refer you or (when medically appropriate) transfer you to one of the accredited medical service providers within the Allianz Global Assistance network, so you can receive the care you need as quickly as possible.

Because the representatives are multilingual and have 24-hour access to real-time translation services, they can provide the help you need in your own language—and also have someone to communicate on your behalf with medical personnel who may speak a different language.

Whenever possible, Allianz Global Assistance will also request for the medical service provider within the network to bill the covered medical expenses directly to them instead of you—reducing stress and hassle.

We will pay your eligible medical bills directly to the medical provider or hospital for you whenever possible.

No matter where in the world you are, we’ll be here for you. If you have an emergency, you can call Allianz Global Assistance toll-free 24 hours a day, 7 days a week at 1-800-387-2487 from the U.S. and Canada or (905) 816-2561 collect from anywhere in the world.

The documentation you need to provide will depend on the type of claim, the type of plan you purchased and the province/territory in which you live.

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