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Back to Documentation Introduction IMPORTANT — PLEASE READ: This Certificate of Insurance is a valuable source of information and contains provisions that may limit or exclude coverage. Please read this Certificate of Insurance, keep it in a safe place and carry it with travel. RBC Insurance Company of Canada (the "Insurer") has issued group insurance policy U-1014452-A to Royal Bank of Canada ("RBC Royal Bank"), to cover expenses related to Trip Cancellation and group insurance policy U-1014453-A to RBC Royal Bank, to cover expenses related to Trip Interruption. This Certificate of Insurance summarizes the provisions of these group insurance policies. (Assured Assistance) by calling: 1-800-533-2778 toll-free from the US & Canada, or905-816-2581 collect from anywhere in the world Trip Cancellation / Trip Interruption Insurance will reimburse only the means an institution licensed to treat patients on an in-patient, out-patient and emergency basis, which has an operating room and laboratory, and which is operated under the supervision of a staff of . It does not include any establishment which is licensed or used principally as a clinic, extended or palliative care facility, rehabilitation facility, convalescent, rest or nursing home, home for the aged, health spa or addiction treatment centre. means accidental bodily injury or sickness (or a condition related to that accidental bodily injury or sickness), including disease, acute psychoses and complications of pregnancy occurring within the first 31 weeks of pregnancy. Have you bought an airline ticket or made a non-refundable hotel deposit? Protect your purchase with trip cancellation and interruption insurance. This coverage protects you financially in case you get sick or an unexpected event forces you to cancel your trip, come home early or delay your return home. Here’s how it can help: Consider a travel insurance package instead if you think you may need coverage for emergency medical expenses and other situations. All of our packages include trip cancellation and interruption insurance. Avion visa platine rbc rbc denman The RBC Avion Platinum Visa is a reward credit card for frequent flyers who want to earn points on everyday purchases and convert them into flights and vacations. Les titulaires de carte supplémentaires, de même que les titulaires d’une carte de crédit RBC Banque Royale avec primes-voyages qui présentent une demande de carte Avion Visa Infinite RBC ou qui effectuent un transfert vers celle-ci pendant la période d’admissibilité de l’offre, ne sont pas admissibles à cette offre. The RBC Avion Visa Infinite Privilege for Private Banking card provides sophisticated credit solutions and the exclusive benefits that our high-net-worth clients require and expect. Welcome to a world of choice, prestige and unparalleled service. Speak with your private banking team for more information.** Immediately, seamlessly, any time of day or night. These experiences are all possible with the exclusive RBC Concierge service. You will have access to experienced representatives dedicated to answering your questions, addressing your concerns or managing your account. A passionate CWT Personal Travel Advisor will be available to organize and arrange every detail of your journey. Savour unique dishes and meet the chefs that create them at the top restaurants with the Visa Infinite Dining Series Learn more Earn points at a rate of 1.25 RBC Rewards points for every dollar in purchases charged to your card services. Enjoy exclusive extras at home and abroad with premium perks on renowned cruise lines, luxury hotels and at prestigious resorts. Our team of lifestyle managers is devoted to helping you curate the life you want. If, within a certain amount of time of purchasing an item, its price drops or you find an identical item offered for a lower retail price than what you paid, you will be reimbursed for the difference. If, while you are checked in, your personal property is stolen from your hotel/motel room and there is evidence of forceful entry, you will be reimbursed for the stolen property up to a certain amount. This insurance covers you up to $500,000 in the event of an accidental bodily injury resulting in one of the losses listed below, while travelling on a common carrier, or while at the airport, pier, terminal or station at the beginning/end of your trip. Coverage is activated when you have paid for the full transportation fare for your trip with your RBC credit card and/or RBC Rewards points prior to commencing your trip. In addition to the amount payable above as the result of a loss, you will also be reimbursed for the reasonable and necessary expenses you actually incurred, up to a limit of $2,500, for special training provided these expenses are incurred within 2 years from the date of the accident. Also, when you are confined as an inpatient in a hospital for injuries that result in a payable loss, and you require the personal attendance of a family member as recommended by the attending physician, the insurer will pay, up to a maximum of $1,000, for the expenses incurred by the family member for transportation to you by a common carrier. If your rental vehicle is damaged or stolen while rented out in your name, you are covered up to the vehicle’s actual cash value plus any valid loss of use charges, reasonable towing charges and administrative charges resulting from the damage or theft. This includes damage resulting from malicious vandalism and theft. You are eligible for this type of coverage provided that: Note: This insurance does not cover third party liability coverage. Check with your personal automobile insurer and the rental agency to ensure that you and all other drivers have adequate third party liability, personal injury and damage to property coverage. If the vehicle has sustained damage of any kind, call Assured Assistance at 1-800-533-2778 immediately, but in all events within 48 hours. For your claim to be reviewed, you must submit the following original documentation within 90 days, as applicable: Personal property and gifts purchased using your RBC Visa Infinite Avion card and/or RBC Rewards points are insured against all risks of direct accidental physical loss or damage for 90 days from the date of purchase. If you paid for the personal property or gift using your RBC Rewards points, you are insured for the amount of RBC Rewards points you redeemed to pay for your purchase. Note: The maximum amount of coverage is $50,000 (or the equivalent number of RBC Rewards points) per RBC Visa Infinite Avion account for each year. If you call Assured Assistance at 1-800-533-2778 at the time of the loss or damage you will receive the necessary claims assistance. If you do not call Assured Assistance, you must notify the RBC Insurance Claims Centre at 1-800-464-3211 within 30 days of the date of the loss or damage. For your claim to be reviewed, you must submit the following original documentation within 90 days of the date of the loss or damage, but in all events, no later than 1 year: This insurance plan automatically doubles the original manufacturer’s warranty, up to a maximum extension of one year. Coverage starts immediately following the expiry of the original manufacturer’s warranty, but in no event will the combined Extended Warranty and original manufacturer’s warranty exceed five years. Items covered by Extended Warranty Insurance must have been purchased using your RBC Visa Infinite Avion card and/or RBC Rewards points. Note: You must notify the insurer to obtain approval of the repair services and the repair facility before proceeding with any repair services. If you call Assured Assistance at 1-800-533-2778 at the time of the loss or damage you will receive the necessary claims assistance. If you do not call Assured Assistance, you must notify the RBC Insurance Claims Centre at 1-800-464-3211 within 30 days of the date of the loss or damage. For your claim to be reviewed, you must submit the following original documentation within 90 days of the date of the loss or damage, but in all events, no later than 1 year: If, before your scheduled departure, you are required to cancel your trip due to a covered reason for cancellation, you will be reimbursed up to $1,500 per person, to an overall maximum of $5,000 per trip for the non-refundable portion of your prepaid travel arrangements. You, your spouse and dependent children, as well as up to 3 travelling companions, are all eligible to receive benefits under this insurance when the full cost of the trip is paid for with your RBC Visa Infinite Avion and/or RBC Rewards points. Cancel your trip no later than the next business day following the cause of cancellation and call Assured Assistance at 1-800-533-2778 immediately to receive the necessary claims assistance. If you do not call Assured Assistance, you must notify the RBC Insurance Claims Center at 1-800-464-3211 within 30 days of the date of the cause of cancellation to obtain a claim form. For your claim to be reviewed, you must submit the following information within 90 days of the date of the cause of the cancellation, but in all events, no later than 1 year: If, as a result of one of the covered reasons for interruption occurring during your trip, you are prevented from continuing the trip or are unable to return to your departure point on the original scheduled return date, your eligible expenses are covered up to $5,000 per person and up to $25,000 per trip. You, your spouse and dependent children, as well as up to 3 travelling companion are all eligible to receive benefits under this insurance when the full cost of the trip is paid for with your RBC Visa Infinite Avion and/or RBC Rewards points. In the case of interruption of your trip, you will be reimbursed for the non-refundable unused portion of your prepaid travel arrangements, excluding the cost of prepaid unused transportation back to your departure point. You will also be covered for your economy-class transportation via the most cost-effective route to your departure point, or to your next destination (inbound and outbound). Note: Travel benefits must be undertaken within 10 days following your originally scheduled return date if your delay is not the result of hospitalization, or within 30 days if it is. Call Assured Assistance at 1-800-533-2778 immediately to receive the necessary claims assistance. If you do not call Assured Assistance, you must notify the RBC Insurance Claims Center at 1-800-464-3211 within 30 days of the date of the cause of interruption or delay to obtain a claim form. For your claim to be reviewed, you must submit the following information within 90 days of the date of the cause of the interruption or delay, but in all events, no later than 1 year: If your scheduled flight departure is delayed by more than 4 hours, then you will be reimbursed up to $250 per day per person and up to a maximum of $500 per occurrence for the reasonable and necessary expenses you incur. In addition, if you miss a connecting flight due to the delay of your incoming flight, or you are denied boarding your confirmed scheduled flight due to the airline's overbooking, and in either of these cases alternative transportation is not made available to you within 4 hours, you will also be reimbursed. Reasonable and necessary expenses include hotel accommodation, restaurant meals, refreshments, emergency purchases and other sundry items (such as a magazine, paperback book and other such small items). This insurance is effective when the full cost of your airline ticket is paid with your RBC Visa Infinite Avion card and/or RBC Rewards points, and your luggage is checked with that airline. Note: Reasonable and necessary expenses must be incurred within 48 hours of the delay or denied boarding. If you call Assured Assistance at 1-800-533-2778 at the time of the flight delay, missed connection, or denied boarding, you will receive the necessary claims assistance. If you do not call Assured Assistance, you must notify the RBC Insurance Claims Centre at 1-800-464-3211 within 30 days. For your claim to be reviewed, you must submit the following original documentation within 90 days of the date of the delay, but in all events, no later than 1 year: This insurance covers reasonable and customary expenses, in excess of any medical expenses payable by your GHIP or any other insurance plan, for emergency treatment medically required during your trip as a result of a medical emergency. Unless otherwise noted, the maximum benefit for emergency medical insurance is unlimited. You will be covered for: you seek emergency treatment, or if you choose to seek care from a non-approved medical service provider, you will be responsible for 20% of your medical expenses covered under this insurance (and not recovered from your GHIP), to a maximum of $25,000. Should your medical condition prevent you from calling Assured Assistance before seeking emergency treatment, you must call as soon as medically possible or someone else may call on your behalf. You must submit the information required for your claim within 90 days of the date of the emergency treatment or other expenses were first incurred. If this is not reasonably possible, you must do so within 1 year or your claim will not be reviewed. For your claim to be reviewed, you must submit the following information: In the event that your checked luggage is permanently lost, you will be reimbursed up to $500 per person and up to a maximum of $2,500 per trip for the reasonable and necessary expenses you incur for the minimum essential clothing and toiletries. This insurance is effective when the full cost of your airline ticket is paid with your RBC Visa Infinite Avion card and/or RBC Rewards points, and your luggage is checked with that airline. If you call Assured Assistance at 1-800-533-2778 at the time of the loss you will receive the necessary claims assistance. If you do not call Assured Assistance, you must notify the RBC Insurance Claims Centre at 1-800-464-3211 within 30 days of the date of the loss. For your claim to be reviewed, you must submit the following original documentation within 90 days of the date of the loss, but in all events, no later than 1 year: If your checked luggage is delayed by more than 4 hours from the time of your arrival at the scheduled destination, you will be reimbursed up to $500 per person and up to a maximum of $2,500 per trip for the reasonable and necessary expenses you incur for the minimum essential clothing and toiletries. This insurance is effective when the full cost of your airline ticket is paid with your RBC Visa Infinite Avion card and/or RBC Rewards points, and your luggage is checked with that airline. Emergency purchases must be made before your checked luggage is returned to you and no later than 4 days after you've arrived at the scheduled destination. If you call Assured Assistance at 1-800-533-2778 at the time of the delay you will receive the necessary claims assistance. If you do not call Assured Assistance, you must notify the RBC Insurance Claims Centre at 1-800-464-3211 within 30 days of the date of the delay. For your claim to be reviewed, you must submit the following original documentation within 90 days of the date of the delay, but in all events, no later than 1 year: If your personal property is lost or damaged as a result of wrongful entry, indicated by visible signs of force, into your hotel room, motel room, or cruise cabin while you are a registered guest, you will be reimbursed up to a maximum of $2,500 per burglary occurrence for the repair or replacement of your personal property. Coverage begins at the actual time you check into your hotel room, motel room, or cruise cabin, provided that your hotel room, motel room, or cruise cabin is paid with your RBC Visa Infinite Avion card and/or RBC Rewards points. The insurer will pay for the lesser of the following amounts: If you call Assured Assistance at 1-800-533-2778 at the time of the burglary you will receive the necessary claims assistance. If you do not call Assured Assistance, you must notify the RBC Insurance Claims Centre at 1-800-464-3211 within 30 days of the date of the burglary.


Earning is easy Earn 1 RBC Rewards point for every $1 you spend on qualifying purchases, plus earn bonus points through purchases at selected retailers using your RBC Rewards credit card. Fly on your terms Choose any airline, any flight, at any time. No blackouts or seat restrictions, even during peak seasons. Extensive insurance coverage Comprehensive travel coverage including trip cancellation, trip interruption, eligible purchases and belongings in your hotel Excellent Travel Credit Card With Great Insurance Coverage And no Blackout Periods Or Seat Restrictions. A huge benefit to the RBC Avion Visa Platinum card is when you apply for the card, RBC will provide you with 15,000 points as a welcoming bonus which is worth approximately $350. That’s a great way to kick start your next vacation! Cardholders continue to earn points when they make eligible travel purchases, which earn 1.25 points per dollar spent. Points can also be earned on all other purchases, but the rate is only one point per dollar spent. Other benefits of this card include travel insurance that covers you for things like trip cancellation, trip disruption, hotel or motel burglary and medical expenses; plus savings on gas at Petro Canada, shopping insurance, additional Petro Canada point earnings when cards are linked, ability to lock the credit card at any time and access to exclusive events. Another notable benefit of this credit card is the flexible redemption policy with RBC travel points. The travel points can be redeemed through RBC Rewards bookings or can be transferred to other loyalty programs such as British Airways, West Jet, American Airlines or Cathay Pacfic Asia Miles. Before transferring your points, it’s wise to do some research to determine which provider you’ll get the most value out of. If travel isn’t your thing, points can also be used to purchase merchandise or pay down your RBC balance - but travel is the main attraction here! While all of these benefits sound phenomenal, don’t forget about the $120 annual fee. Another disadvantage is the points to dollar ratio is average at best and there aren’t any opportunities to further your points earnings. Finally, RBC is one of Canada’s highly perceived banks, but they also have strict lending requirements making it challenging for some to access this credit card and its benefits. Overall, the RBC Avion Visa Platinum has many benefits, especially for those who have caught the travel bug! Although, if you aren’t willing to spend a lot to earn the points you need for a vacation, this card might not be right for you. Keep in mind that this card is a close cousin to one of RBC’s other credit card products, RBC Avion Visa Infinite. The only difference is there are no income requirements on the RBC Avion Visa Platinum card whereas the RBC Avion Visa Infinite does have minimum income requirements. If that piques your interest, check it out before registering for this card. RBC’s Avion Rewards program is one of the most popular travel rewards programs in Canada. With this program, you can use your rewards credit card to earn RBC Rewards points, which can be redeemed for travel-related expenses such as flights, hotels and car rentals. There are also no blackout dates or seat restrictions on flights on any airline, which isn’t true of some of the other programs out there. To find out more about how the RBC Avion program works, keep reading. RBC also offers 3 additional cards that let you earn RBC Rewards points, but which are not attached to the Avion program. The major difference between regular RBC Rewards credit cards and RBC Avion credit cards is the Avion cards come with larger sign-up bonuses and greater travel rewards (insurance policies, perks, etc.). If you want a travel rewards credit card with RBC, get an Avion card. How to Redeem RBC Rewards Points To redeem your RBC Rewards points, login to your RBC online banking using your credit card number and password. Once logged in, you can go to the travel rewards section to redeem points. For flights, you can search by entering your departing airport, arrival airport and travel dates. The RBC flight system is powered by Orbitz, which gives you lots of options to choose from. Flights typically have a “required points amount” that you need to have, in order to book. You can also use points to pay any additional taxes, fees and surcharges (at a rate of $100 = 10,000 points). For example, a flight could require a minimum of 15,000 points cost you $200 in taxes and fees (or another 20,000 points). Here are their fixed points requirements (Click on the chart to make it bigger): The Value of RBC Rewards Points Now, the big question: how much is 1 RBC Rewards point worth? Unfortunately, there is no easy answer to this question, as the value of your points is determined by which flights you redeem them for. Our research reveals that, on average, 1 RBC Rewards point is worth $0.0114 when redeeming for flights. However, there is a large discrepancy in the value of your points when redeeming for flights in different flight regions. For example, on average, you receive $0.0095/point when redeeming for a flight to Europe, and $0.0131/point for a long-haul flight in Canada/US. The example below will demonstrate how to determine the value of your RBC Rewards points, and will show you the difference in value when redeeming for a flight from Toronto to Vancouver compared with a flight from Toronto to Paris. Example: Flying from Toronto to Vancouver in September 2014 (35,000 RBC Rewards points) Flight price = $657.20 (35,000 RBC Rewards points, as outlined in chart above) Taxes, fees and surcharges = $176.87 ($176.87 x 100 = 17,687 points, or 20,000 points) Total RBC Rewards points required = 35,000 20,000 = 55,000 Value of 1 RBC rewards point = ($657.20 $176.87)/55,000 points = When redeeming your points for this flight from Toronto to Vancouver, your RBC Rewards points will be worth $0.0152 each. Your other option would’ve been to only redeem 35,000 points for the flight and then pay the $176.87 with cash. If you redeemed at a rate of $657.20/35,000 points, your RBC Rewards points would’ve been worth $0.0188 each. Example: Flying from Toronto to Paris in September 2014 (55,000 RBC Rewards points) Flight price = $1,096.00 (55,000 RBC Rewards points, as outlined in chart above) Taxes, fees and surcharges = $598.34 ($598.34 x 100 = 59,834 points, or 60,000 points) Total RBC Rewards points required = 55,000 60,000 = 115,000 Value of 1 RBC Rewards point = ($1,096.00 $598.34)/115,000 = When redeeming your points for this flight from Toronto to Paris, your RBC Rewards points will be worth $0.0147 each. Your other option would’ve been to only redeem 55,000 points for the flight and then pay $598.34 with cash. If you redeemed at a rate of $1,096.00/55,000 points, your RBC Rewards points would’ve been worth $0.0199 each. If you want to start earning RBC Rewards points, the RBC Visa Infinite Avion is one of the best credit cards in Canada. Here’s why: Recommends If you’re looking for an alternative to the RBC Visa Infinite Avion card, recommends, the Scotia Rewards program using the Scotiabank Gold American Express card. One of our favourite alternatives to RBC Visa Infinite Avion is the Scotiabank Gold American Express. It currently has the highest earn rate on the market, giving you four points per dollar (that’s 4% back in travel rewards) spent on gas, groceries, entertainment, and restaurants, and one point per dollar on all other purchases. There’s no minimum income requirement, and the $99 annual fee is slightly lower than other travel credit cards and waived for the first year. However, you still get a suite of benefits, including access to VIP airport lounges worldwide with a Priority Pass membership (renewed annually), complimentary concierge services, extensive travel insurance, and access to American Express Invites. This card’s flexibility makes it a win: You can book your trip yourself or use Scotia’s full-service travel agency, travel on any carrier with no blackout dates, and use points to cover all taxes and fees. Avion visa platine rbc rbc business intelligence centre Your Visa Platinum card offers a credit limit up to $50,000. No annual fee and a free additional card. Save and Earn Faster with RBC Offers. Load personalized offers for great brands before you shop to get cash savings or to earn bonus points faster. See More Rewards. See Less Rewards. Premium insurance coverage. RBC® Avion® Visa Platinum. RBC Insurance Company of Canada the “Insurer” has issued group insurance policy F-2035807-A to Royal Bank of Canada “Royal Bank” to cover the loss from an injury as. Certificate of Insurance travel. RBC Avion Visa. The RBC Avion Platinum Visa is a reward credit card for frequent flyers who want to earn points on everyday purchases and convert them into flights and vacations. Even though you have to pay the AF, worth it not to have to spend the MSR. To receive 35,000 RBC Rewards points (or “welcome points”), your application must be received between Jan 23, 2020 - Feb 28, 2020, and it must be approved by us. Seems like any current holders of any of their travel/rewards cards are ineligible. Upon enrolment, 35,000 welcome points will appear on your first monthly statement. Additional cardholder(s), as well as existing RBC Avion Visa Infinite or RBC Avion Visa Platinum, Cathay Pacific‡ Visa Platinum, British Airways‡ Visa Infinite, RBC Rewards Visa Preferred, RBC Rewards Visa, RBC Avion Visa Infinite Privilege and RBC Avion Visa Infinite Privilege for Private Banking cardholders, applying for or transferring to an RBC Avion Visa Infinite card or RBC Avion Visa Platinum as of the offer eligibility period, are not eligible for this offer. This offer is eligible for the RBC Avion Visa Infinite card and the RBC Avion Visa Platinum card if you are approved for either through this offer. This offer may not be combined or used in conjunction with any other offer and may be amended or withdrawn without notice at any time, even after acceptance by you. Have had 3 hits in the past 6 months and I’d like to grab this card, the MBNA AS and BIZ Plat... Can someone point me to a post that might help me understand why you feel you need to wait 3 months since your last TU hit? For complete terms and conditions that apply to the RBC Rewards Program, please visit call 1-800-769-2512. And is there another post that sets out which banks use TU vs. Just got the CIBC Aero and am looking at applying for 1-2 other cards, but I don’t understand the need to wait between hits. Will PS my current Avion infinite to cashback MC , wait unil last mid February and reapply. ( same thing for P2) so we aim for 70k avion for 240$ ( not including 30 or 50 % bonus to avios ) , very good deal if ask me Although we don't have the same gamut of credit card opportunities as our neighbors to the south, there's still a wealth of bonuses available for the taking.