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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.

Request a Call from a Travel Insurance Advisor

A licensed rbc travel insurance advisor can help.

Thank you for your interest in RBC Travel Insurance. Please take a moment to provide us with some basic contact information. An RBC Travel Insurance advisor will be in touch with you within 2 business days.

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We have received your request. An RBC Travel Insurance advisor will be in touch with you within 2 business days.

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An unexpected error occurred while attempting to submit your information. Please try again later, or contact us at 1-877-933-4800.

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Best credit cards, back to guides, head-to-head: rbc® avion visa infinite† vs. rbc® ion+ visa.

In this edition of Head-to-Head, we compare the RBC® Avion Visa Infinite† and the RBC® ION+ Visa, which both earn points in the Avion Rewards program.

Written by Erin Partridge

On 2024-07-17

Read time 21 mins

In this edition of Head-to-Head, we’ll be exploring two RBC credit cards: the RBC® Avion Visa Infinite† and the RBC® ION+ Visa .

What makes this comparison particularly interesting is that while both of these cards earn RBC’s Avion Rewards currency, each one earns a different version of it.

Throughout this guide, we’ll explore how these two different (but similar) currencies work together, which card is best in each comparative category, and how you can use Avion’s unique currency structure to your advantage.

Card Basics

1. points currency.

In this Head-to-Head, one of the most important things we’ll look at is each card’s points currency and how it relates to the other.

Both the RBC® Avion Visa Infinite† and the RBC® ION+ Visa earn RBC’s in-house currency of Avion Rewards points; however, each card earns a different version of this currency.

The RBC® Avion Visa Infinite† earns Avion Elite points, while the RBC® ION+ Visa earns Avion Premium points, and each currency type comes with different redemption options.

Avion Elite points have more redemption opportunities than Avion Premium points, including the ability to transfer your points to multiple partnered loyalty programs, using your points for travel redemptions through RBC’s Air Travel Redemption Schedule and through the Avion Rewards booking portal, and for statement credits, gift cards, and merchandise.

Comparatively, Avion Premium points can only be transferred to a single partnered loyalty program, WestJet Rewards , or used for statement credits, gift cards, merchandise, and travel booked through the Avion Rewards website, but at a lower rate than Avion Elite points.

However, it’s important to note that the Avion Premium points earned with the RBC® ION+ Visa can be transferred into Avion Elite points at par if you have at least one credit card from the RBC Avion family. We’ll go over this in more detail in the redemption section below.

Verdict: Since Avion Elite points have considerably more redemption options than Avion Premium points, we’re giving this win to the RBC® Avion Visa Infinite†.

2. Ease of Redeeming

The Avion Elite points earned with the RBC® Avion Visa Infinite† can be redeemed a number of ways.

The most valuable way to redeem your Avion Elite points is by transferring them to airline loyalty programs, where you can then use them to book award flights.

Avion Elite points can be transferred 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).

They can also be transferred to American Airlines AAdvantage at a rate of 10 Avion points = 7 AAdvantage miles.

Additionally, Avion Elite points can be redeemed for travel through RBC’s Air Travel Redemption Schedule , which can yield a value of up to 2.3 cents (all figures in CAD) per point.

Avion Elite points can also be used for gift cards, merchandise, and statement credits as well as for travel booked through the Avion Rewards website. If you redeem Avion Elite points to book travel through the Avion Rewards platform, they’re worth 1 cent per point.

As mentioned above, the RBC® ION+ Visa earns Avion Premium points instead of Avion Elite points, and these can only be transferred to a single loyalty program, WestJet Rewards.

Avion Premium points can also be redeemed for statement credits, gift cards, and merchandise, plus they can be used for travel bookings made on the Avion Rewards website.

If you redeem Avion Premium points to book travel through the Avion Rewards platform, they’re worth 0.58 cents per point.

Avion Premium points can unfortunately not be used to book travel through RBC’s Air Travel Redemption Schedule.

However, Avion Premium points can be transferred from your Avion Premium account to your Avion Elite account if you have one of each credit card type.

This means that you can collect Avion Premium points with your RBC® ION+ Visa, enjoying its higher earning rates (see Earning Rates section below) and then, as long as you also have an Avion-branded card like the RBC® Avion Visa Infinite†, you can transfer these points to your Avion Elite account at par to take advantage of the more abundant redemption options.

Verdict: The winner of this category is the RBC® Avion Visa Infinite†, since it’s the card with the most/best redemption options; however, it should not be overlooked that the RBC® ION+ Visa has fairly easy access to these same redemption options as long as you also hold an eligible Avion credit card.

3. Earning Rates

Despite the fact that it’s a premium credit card, the RBC® Avion Visa Infinite† does not come with particularly notable earning rates.

The RBC® Avion Visa Infinite† earns Avion Elite points at the following rates:

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

Meanwhile, the lower-tiered RBC® ION+ Visa has a fairly strong earning structure, accruing Avion Premium points at the following rates:

• 3 RBC Avion Premium points per dollar spent on grocery, dining, food delivery, taxis/ride-sharing services, gas, EV charging, and streaming, digital gaming, and subscriptions
• 1 RBC Avion Premium point per dollar spent on all other qualifying purchases

Verdict: The RBC® ION+ Visa’s 3x earning rate is considerably better than the 1.25x rate offered by the RBC® Avion Visa Infinite†, and given that it’s possible to transfer Avion Premium points to Avion Elite points to take advantage of the better redemption offers within the Avion Elite structure (if you have both cards), the RBC® ION+ Visa is the clear winner in this category.

4. Welcome Bonus

Another important feature when applying for any credit card is its welcome bonus offer. 

The welcome bonus offered on the RBC® Avion Visa Infinite† typically falls between 35,000 and 55,000 Avion Elite points, depending on the offer.

• Earn 35,000 RBC Avion points † upon approval†
• Plus, earn 1x 1.25x RBC Avion points †  on qualifying travel purchases
• Transfer RBC Avion points to British Airways Executive Club and other frequent flyer programs for premium flights †
• Redeem Avion points for flights with the RBC Air Travel Redemption Schedule †
• Minimum income: $60,000 personal or $100,000 household
• Annual fee: $120 †
• Supplementary card fee: $50

Meanwhile, the RBC® ION+ Visa’s welcome bonus tends to fluctuate between 6,000 and 12,000 Avion Premium points, depending on the offer.

• Earn 12,000 Avion Premium points upon approval †
• Earn 3x points † on qualifying grocery, dining, food delivery, gas, rideshare, daily public transit, electric vehicle charging, streaming, digital gaming and digital subscriptions†
• Mobile device insurance †
• Annual fee: $48 †

Despite the fact that the two cards use different versions of Avion points, and Avion Elite points and Avion Premium points have different redemption options (as we mentioned above), the fact that Avion Premium points can easily be transferred to Avion Elite points if you have an eligible Avion Elite credit card means that we can compare these welcome bonuses on equal terms.

Verdict: The RBC® Avion Visa Infinite’s† welcome bonus takes the prize in this category, since its baseline bonus is nearly three times more than the best-ever welcome bonus that’s offered with the RBC® ION+ Visa.

5. Annual Fee

The next factor we’ll compare is each card’s annual fee.

The RBC® Avion Visa Infinite† comes with an annual fee of $120, but if you have an RBC® VIP Banking Account, you can receive a $120 fee waiver for this card as part of the account’s benefits package.

Comparatively, the RBC® ION+ Visa has a cumulative annual fee of $48, which is charged in monthly instalments of $4. You can get this monthly fee rebated if you have either the RBC Signature No Limit Banking or the RBC Advantage Banking for Students account.

Verdict: Although both cards come with the opportunity to receive a fee waiver on their annual fees, we choose the RBC® ION+ Visa in this category since it has a considerably lower annual fee overall and the fee waiver is easier to access.

6. Foreign Transaction Fees

Both the RBC® Avion Visa Infinite† and RBC® ION+ Visa charge the standard 2.5% foreign exchange fee on all purchases made in a foreign currency (including US dollar purchases).

Verdict: This category is a tie. The cards are identical in this regard, and neither provides any advantage for foreign purchases.

If you’re looking to save the 2.5% foreign exchange fee when you’re travelling or making any foreign currency purchases, check out our guide to Which Credit Cards Have No Foreign Transaction Fees to learn more about your options.

Perks and Benefits

1. credit card perks.

In addition to a strong insurance package (mentioned below), the RBC® Avion Visa Infinite† comes with a few other interesting perks.

First, as a part of the Visa Infinite family, cardholders will have access to the Visa Infinite benefits which include discounts on hotels, unique dining experiences, and complimentary concierge service.

Additionally, cardholders will also enjoy Avion-specific perks, such as special prices and bonus points on purchases and the ability to use your points for investments and charitable donations.

Most interestingly, the RBC® Avion Visa Infinite† also offers cardholders the opportunity to get a free ski pass at participating ski resorts across Canada during the winter season with the Friday Friend Pass perk.

To qualify for this perk, you just have to buy one Friday lift pass with your RBC® Avion Visa Infinite† card through the designated website for the resort of your choice, and you’ll get a second lift pass for free.

On the other side of this head-to-head, the RBC® ION+ Visa doesn’t offer any perks that fall within this category.

Verdict: This one is no contest. The RBC® Avion Visa Infinite† is the winner.

2. Partnership Perks

Both the RBC® Avion Visa Infinite† and the RBC® ION+ Visa come with a handful of partnership perks and discounts.

With the RBC® ION+ Visa, cardholders can save 3¢/L on fuel at Petro-Canada, and will earn 20% more Petro-Points and Avion points upon linking their card to their Petro-Points account†.

Cardholders can also enjoy a three-month complimentary DoorDash DashPass subscription†, and can earn 50 Be Well points for every $1 spent on eligible purchases at Rexall. To earn the Be Well points, you need to use your linked RBC® ION+ Visa for the purchase and you need to scan your Be Well card at checkout.

The RBC® Avion Visa Infinite† includes some very similar benefits to the above but with some additions and expansions.

With the RBC® Avion Visa Infinite†, you get the same perks and benefits at Petro-Canada and with the Rexall Be Well program as you get with the RBC® ION+ Visa.

Additionally, the DoorDash DashPass program offers a free 12-month subscription (nine months more than with the RBC® ION+ Visa), and you can enjoy $0 delivery fees on order of $15 or more when you pay with your linked RBC credit card.

The RBC® Avion Visa Infinite† also gives cardholders the opportunity to save 20% at Hertz† and earn 2x the points when you use your card for the rental†.

Verdict: Since the RBC® Avion Visa Infinite† offers the extra Hertz discount and a longer complimentary DashPass subscription, it’s the winner of this category.

Other Factors

1. supplementary cardholders.

Supplementary cards cost $50 each with the RBC® Avion Visa Infinite† and $0 each with the RBC® ION+ Visa.

Verdict: The RBC® ION+ Visa is the winner in this category, offering free supplementary cards.

2. Insurance

As a premium credit card, it’s no surprise that the RBC® Avion Visa Infinite† comes with fairly strong insurance coverage.

The card includes solid insurance coverage for emergency medical, travel accident, car rental collision/loss damage, trip cancellation, trip interruption, and flight delay.

It also provides purchase protection† that will reimburse you if you accidentally lose or damage personal property within 90 days of purchase, up to a maximum of $50,000 per year, plus an extended warranty† feature that automatically doubles the original manufacturer’s warranty.

Comparatively, the lower-tiered RBC® ION+ Visa comes with fairly basic insurance coverage.

With this card, you get two years of mobile device coverage for up to $1,000 if your mobile device, such as your cell phone, is lost, stolen, accidentally damaged or experiences mechanical failure as long as the device was purchased with your RBC® ION+ Visa.

With the RBC® ION+ Visa, you also get the same purchase protection coverage and extended warranty feature as the RBC® Avion Visa Infinite†.

Verdict: The winner of this category is the RBC® Avion Visa Infinite† with its valuable array of insurance coverage.

3. Ease of Getting Approved

In order to qualify for the RBC® Avion Visa Infinite†, you’ll need a minimum personal income of $60,000 or a minimum household income of $100,000.

The RBC® ION+ Visa, comparatively, has no minimum income requirement, making it considerably more accessible.

Verdict: With no minimum income requirement, the RBC® ION+ Visa takes this category, thanks to its lower financial barrier to entry.

The RBC® ION+ Visa and the RBC® Avion Visa Infinite† both offer cardholders the opportunity to earn Avion Rewards points towards a variety of redemption options, including travel, credit card statements, gift cards, and more.

The RBC® Avion Visa Infinite† is a stronger overall card, offering a consistently strong welcome bonus, better redemption options, solid travel insurance, and some intriguing perks.

However, the RBC® ION+ Visa comes with a lower annual fee and notably better earning rates, plus the ability to easily transfer its less valuable Avion Premium points to the more valuable and versatile Avion Elite points.

If you’re inclined towards getting a single card that can help you easily earn travel points, provide you with some travel insurance, and that offers you cool perks like free ski passes in the winter, then the RBC® Avion Visa Infinite† is your best choice.

That said, if you’re willing to have two RBC cards, then adding the RBC® ION+ Visa as well offers the amazing ability to earn Avion points at a much better rate than the RBC® Avion Visa Infinite†, while still accessing the same redemption opportunities by transferring your points to your Avion Elite account.

† Terms and conditions apply. Please refer to the RBC website for up-to-date information.

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HelloSafe » Travel Insurance » RBC

Is RBC travel insurance the best in 2024?

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Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.

Visiting another country or province without travel insurance can be a costly mistake. Indeed, did you know that an overnight stay in a hospital in the United States can exceed $14,000 CAD? Some countries might even refuse to help you if you are unable to prepay for treatment.

Travel insurance is a necessity when you are away from home . It guarantees your ability to access and pay for health care, if and when you need it. Beyond medical emergencies, travel insurance can also help with flight issues, lost luggage, and more.

While you're looking at options, have you considered RBC travel insurance? What does RBC cover? For what price? What are its pros and cons? Read our review on RBC travel insurance, get a quote, and see how the competitors fare.

Our 2024 review of RBC travel insurance

The Royal Bank of Canada, often abbreviated to RBC, is a global financial institution and one of the largest banks in Canada. Buying RBC Travel insurance means getting coverage from a trusted brand. A variety of plans means that you can buy the right amount of coverage for your trip and medical needs.

Continue below for RBC travel insurance pros and cons:

Why RBC could be right for you:

• Unlimited medical benefits
• Easy, online application
• Enjoy coverage for your items as well – they are covered against theft, loss, damage and delay.
• 24/7 global telephone assistance.

Why RBC may not be right for you:

• Unlimited emergency medical coverage is limited to just $20,000 if you do not have a valid government health insurance plan
• RBC's Emergency Medical Insurance Coverage is only for Canadian residents only.
• Less generous Covid-19 coverage that many competitors

Before choosing RBC, compare options and quotes. A little shopping around can help you to save money and find a coverage that really fits your needs:

Compare the best travel insurance plans on the market!

What does RBC travel insurance cover?

RBC offers a wide range of plans covering emergency medical intervention, trip cancellation and coverage on personal items and accidents during your trip and journey. Here are the types of plans available with RBC:

For more information, download the PDF below:

The Travel within Canada package covers unlimited emergency medical interventions for all domestic travels in Canada. It also features extensive benefits on trip cancellation, interruptions and flight accidents.

RBC offers Visitors to Canada Insurance. This covers both emergency and general medical interventions. Personal items are also covered from theft, loss or damage.

Students coming into Canada can also take advantage of the RBC travel insurance package for students. It is extensive and caters for general and emergency medical interventions. The rbc travel medical insurance is quite comprehensive providing coverage up to $5 million and on par with other popular insurances like Manulife travel insurance .

What does RBC Avion travel insurance cover?

Apart from traditional travel insurance, there is also RBC credit card travel insurance available for cardholders.

RBC avion travel insurance can be accessed through the RBC Avion Visa Infinite Privilege card that comes at an annual fee of $399.

In the event of medical emergencies, the RBC Avion provides emergency medical coverage of up to $5 Million for a period of 31 days. For trip cancellations, the insurance offers protection of up to $2,500 per insured person, allowing you to recover non-refundable expenses.

Additionally, if your trip gets interrupted for covered reasons, such as illness or a family emergency, the insurance provides coverage of up to $5,000 per insured person to compensate for the costs incurred.

In the event of flight delays, the RBC Avion offers coverage of up to $1,000 to assist with additional expenses and inconvenience. For lost or stolen baggage, there is a coverage of up to $2,500.

Moreover, in the unfortunate event of hotel burglary, the insurance provides coverage of up to $3,000, offering financial protection for your belongings. The travel accident coverage provides up to $500,000 in coverage. It also covers rental car loss or damage.

Pros of rbc avion

• Faster security clearance at prime Canadian airports
• Extensive medical coverage
• Rental car coverage

Cons of rbc avion

• High income requirement of personal or household $200,000
• High annual fee

For assistance, you can contact: 1-800-533-2778 toll-free from the US & Canada or 905-816-2581 collect from anywhere in the world .

What is RBC westjet mastercard travel insurance coverage?

The RBC westjet Mastercard travel insurance provides $500,000 accident coverage when you're traveling. It also includes a hotel/motel burglary coverage of $2,500 per incident.

It also includes emergency purchases insurances to cover you during unexpected incidents by up to $500. Flight Delay Insurance of $250 per day per covered person is also included.

There is also emergency medical insurance coverage for the first 15 consecutive days of your trip if you are under 65. For those above the age of 65, the coverage is for 3 days. Check with your provider for the complete information on the coverage.

What does RBC preferred visa travel insurance cover?

Apart from the aforementioned options, there is also the RBC preferred visa travel insurance specifically for Preferred Visa cardholders.

There is Emergency Medical insurance coverage that includes hospital, doctor fee, prescription drugs, and more. The insurance also covers trip cancelations and trip interruptions.

It is to be noting that pre-existing medical conditions that are not stable are not covered. However, it's best to review the complete document or speak to RBC customer care to get the complete and up-to-date information.

Good to know

There is also RBC world elite mastercard travel insurance and RBC visa gold travel insurance provided for cardholders. Both these insurances should cover emergency medical insurance, trip cancellation and interruptions, accident insurance, and flight delays, among other essential coverage. Please contact RBC customer care for more information.

Does RBC travel insurance cover covid?

RBC travel insurance covid coverage is available under its travel insurance plans. It provides emergency medical coverage for medical expenses related to COVID-19, as long as there are no travel-ban advisories issued by the Canadian government on the day you depart on your trip.

Regarding trip cancellation or interruption benefits related to COVID-19, RBC Insurance will not pay unless certain conditions are met. These conditions include:

• If you get sick with COVID-19, preventing you from traveling as planned.
• If your spouse and/or children become sick with COVID-19, preventing you from traveling as planned.

In these situations, RBC Insurance may provide coverage for trip cancellation or interruption expenses. However, it's important to carefully review the specific terms and conditions of your policy, as they may contain additional requirements or limitations for coverage related to COVID-19.

How much does RBC travel insurance cost?

The price of travel insurance coverage depends on:

• Your desired coverage and otpions.
• Your deductible.
• Your waiting period.
• Your destination(s).
• The lenght of your trip.

Expert advice

Therefore it will be important to get an individual quote customized for your unique needs.

How to buy RBC travel insurance?

RBC packages are available through their website or by calling RBC travel insurance contact at 1-800-565-3129 or 1-866-317-3122. You could also fill in your details on the RBC website and an advisor will get in touch with you with quotes based on your unique needs.

Before settling on RBC, we advise you shop around! You can quickly and anonymously compare prices from leading travel insurance companies using our free comparison tool below:

Is there RBC travel insurance for seniors?

Yes, RBC travel insurance for seniors provides affordable plans for mature travellers , offering coverage for essential medical expenses, lost baggage, trip cancellation, and more.

RBC medical travel insurance for seniors services include 24-hour worldwide emergency medical and travelling assistance with multilingual professionals available round the clock. They offer unlimited coverage for eligible medical expenses not covered by government health insurance and provide coverage for stable pre-existing conditions.

RBC ensures safe transportation to the nearest medical facility and even covers the cost for a companion to travel to your bedside. They facilitate direct payment of medical bills whenever possible and have packages tailored to all age groups, including seniors.

They may require you to answer some health-related questions for individuals aged 65 and above to make sure you get the most appropriate coverage.

How to file RBC travel insurance claim ?

Claims can be filed directly on their website. You will have to fill up a claim form, like the one attached below, to initiate the process. You will have to provide supporting documents like proofs from your physician in case of medical claims.

In case of travel interruptions or delays, you must provide documents of your reservations and flight details and cancelations if any.

You can also file your claim by calling the following phone numbers:

• 1-800-387-2487 (Toll-free from Canada and USA)
• 905-816-2561 (Collect from anywhere)
• 1-800-263-8944

How can I contact RBC travel insurance?

For any queries, you can reach the RBC's customer care at the following phone numbers:

• 1-800-387-2487 (Canada and USA)
• +1-905-816-2561 (Worldwide)

How to cancel RBC travel insurance?

In case you want to cancel your policy, you can contact the RBC travel insurance phone number 1-800-565-3129 and follow the instructions.

If you cancel the insurance within 10 days of purchase of the policy and have no initiated any claim and haven't left for your trip, you are eligible for a full refund. If more than 10 days has passed, contact the RBC customer care for further details.

You can also refer to the " insurance premium " section of you insurance document to find details on cancellation and charges.

Now that you know everything you need to in order to decide if RBC is the right fit for you, you can use our comparator to compare other insurances and also get quotes to make the best decision.

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.

Your RBC Avion Visa Infinite Privilege - Benefits Guide - Royal Bank

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RBC Avion Visa Infinite Review

Maya Reynolds

Why you can trust us

The team at WealthRocket only recommends products and services that we would use ourselves and that we believe will provide value to our readers. However, we advocate for you to continue to do your own research and make educated decisions.

RBC Avion Visa Infinite

Rated 2.9/5 stars.

• 1 pt Earn 1 Avion point for every $1 spent on the card.
• 1.25 pt Earn 1.25 Avion points for every $1 spent on travel-related purchases, such as flights, hotels, and car rentals.
• Welcome Offer 30,000 Avion points and up to 20,000 additional points on a $5,000 spend within the first 6 months Terms and conditions apply.
• Annual Rewards $292 Learn how we calculate this.
• Annual Fee $120
• Minimum Income Required Personal: $60,000 Household: $100,000
• Extensive travel insurance coverage
• Exclusive travel experiences
• Valuable welcome bonus
• Can redeem points with airline of choice
• High annual fee
• High interest rate on unpaid balances

The RBC Avion Visa Infinite card offers ample access to exclusive events, offers, and travel perks. However, earn rates are relatively low and the card has an annual fee. Read more in our review.

In This Article

Rbc avion visa infinite: an overview, rbc avion visa infinite rewards, rbc avion visa infinite eligibility, rbc avion visa infinite interest rates and fees, rbc avion visa infinite perks, compare rbc avion visa infinite alternatives, our final thoughts.

Looking to earn rewards while you travel? The RBC Avion Visa Infinite boasts a generous rewards program, comprehensive travel insurance, and access to airport lounges worldwide so you can travel with ease.

How does it compare to other travel credit cards ? Our complete RBC Avion Visa Infinite review gives you full details on RBC’s most popular travel credit card.

The RBC Avion Visa Infinite offers a range of premium features, including comprehensive travel insurance coverage, 24/7 concierge service, and an extensive network of airport lounges. Cardholders have access to RBC’s premium client services, too, including a dedicated relationship manager.

You can also choose to add additional insurance coverage, RBC Road Assist, identity theft protection, and more to your card.

The RBC Avion Visa Infinite rewards program is based on Avion points. Cardholders can earn points with every eligible purchase made with the card.

How to earn rewards

Cardholders can earn 1 Avion point for every $1 spent on the card. There are also bonus points available for purchases made with participating partners. Cardholders can earn 1.25 Avion points for every $1 spent on travel-related purchases, such as flights, hotels, and car rentals, helping them to earn rewards even faster.

Avion point value

The value of Avion points will change depending on the purchase category and promotion. For example, Avion points can be redeemed for a plane ticket to any location in Canada or the U.S. (excluding Hawaii and Alaska) for 35,000 points, at a max ticket price of $750. Points values vary and are worth a maximum value of $0.02-$0.0233 for their Air Travel Redemption . It”s important to note that points will not cover taxes, surcharges, and fees, so tickets won’t be completely free. Other categories that Avion points can be redeemed for are other travel-related purchases, gift cards, merchandise, and charity donations. Point values under this category fall between 0.5 cents to 1 cent per point. However, these estimates are subject to change, so it’s best to check the RBC Rewards website or call the RBC Rewards centre for the most accurate information.

Welcome bonus of RBC Avion Visa Infinite

New cardholders can earn a welcome bonus of up to 55,000 Avion points, until November 27th, 2023. The first 35,000 points are earned upon approval of the card and the remaining 20,000 points if $5,000 in purchases are made in the first 6 months with the card.

The first 35,0000 points alone can get you anywhere in Canada and the U.S, excluding Hawaii and Alaska, with a max ticket value of $350. With the additional 20,0000, cardholders can purchase trips across North America and the Caribbean, with a max ticket value of $1,100. Although there are some restrictions, this is one of the best travel reward welcome bonuses we’ve seen. Points are simple to reem and can be used with any airline of choice, without any blackout periods.

 How to redeem rewards for the RBC Avion Visa Infinite

To redeem Avion points earned with the RBC Avion Visa Infinite, cardholders can log into the RBC Rewards website or call the RBC Rewards center. Points can be redeemed for a variety of travel-related rewards, including flights, hotel stays, car rentals, merchandise, and charitable donations. The process of redeeming Avion points is straightforward and can be done easily through the RBC Rewards platform.

With 15,000 Avion points, you can redeem them for a variety of travel-related rewards through the RBC Rewards program. Depending on the specific reward and the time of year, you could potentially redeem them for:

• A one-way or round-trip flight within Canada or to the United States
• A one or two-night hotel stay
• Car rental for a few days
• A portion of a more expensive reward, such as a long flight or a luxury hotel stay

Keep in mind that the specific rewards available and the number of points required may change, so it’s best to check the RBC Rewards website for up-to-date information.

To be eligible for the RBC Avion Visa Infinite, you must have a personal annual income of at least $60,000 or a combined household income of $100,000. You must also be a resident of Canada and have at least a good credit score of 660+.

• Annual fee:  $120
• Foreign transaction fee:  2.5%
• Extra card fee: $50
• Cash advance fee: $3.50 (Canada) $5 (outside Canada)

Interest rates

• Purchases:  20.99%
• Cash advances:  22.99%
• Cash advances (Quebec):  21.99%

The Avion Collection

Gain access to exclusive offers for ski resorts, golf events, culinary experiences, and more.

No blackout periods

Book flights with your Avion points on any airline with no blackout periods or seat restrictions.

Extensive insurance

Get up to $1,500 in mobile device coverage, trip cancellation insurance, emergency medical insurance, and more.

Visa Infinite Benefits

Skip the line at exclusive events and benefit from hotel and dining experience upgrades.

• Welcome Offer 30,000 Avion points and up to 20,000 additional points on a $5,000 spend within the first 6 months
• Annual Rewards $292

American Express Cobalt Credit Card

• Welcome Offer Up to 30,000 Membership Points
• Annual Rewards $1029
• Annual Fee $155.88
• Minimum Income Required None

TD Aeroplan Visa Infinite

• Welcome Offer N/A
• Annual Fee $129 (first year waived)
• Interest Rates Purchases: 19.99%, Cash Advances: 22.99%
• Recommended Credit 740+

The RBC Avion Visa Infinite is best suited for frequent travellers who want to earn and redeem rewards for travel-related purchases. If you are looking for a comprehensive travel rewards card with premium features and a dedicated relationship manager, the RBC Avion Visa Infinite is a good choice.

However, the minimum income requirement is pretty high and so is the annual fee for only offering a points reward system and no travel vouchers.

Maya is the former content strategist at WealthRocket, where she focused on article ideation, editing, and writing.

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Redeeming Rbc Visa Points: Travel Guide

• Last updated Jul 11, 2024
• Difficulty Beginner

• Category Travel

RBC Visa cardholders can redeem their points for travel in a number of ways. RBC Avion cardholders can redeem 100 Avion points to deduct $1 from a travel expense, including flights, hotels, car rentals, cruises, and vacation packages. RBC Visa Infinite Privilege cardholders can redeem their points at a rate of 100 points = $2 CAD for first or business class airfare, including taxes and surcharges. Cardholders can also use their points to pay for gift cards, merchandise, and other financial rewards.

What You'll Learn

Redeem rbc points for flights, redeem rbc points for hotels, redeem rbc points for car rentals, redeem rbc points for cruises, redeem rbc points for package holidays.

Redeeming your RBC points for flights is simple. First, you will need to choose the credit card or account you want to use to redeem your points. Then, you can start planning your trip.

If you are an RBC Avion Visa Infinite Privilege for Private Banking, RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Business or RBC Commercial Avion Visa cardholder, you can redeem your points at a rate of 100 points = $2 CAD for first or business class airfare, including taxes and fees.

If you are an ION or ION+ credit cardholder, you can redeem your points at a rate of 172 points = $1 CAD. A minimum of 2,500 points must be redeemed and the remaining balance can be paid with a credit card.

You can use your RBC points to book flights with any airline, on any flight, at any time. There are no blackout dates or advance booking restrictions, even during peak periods.

Depending on the destination, 15,000 to 100,000 Avion points are required per ticket. A one-way trip requires half as many Avion points as a round trip.

You can also use the Flexible Fare Chart for Airfare, which allows you to use 100 Avion points for a $1 discount on your airfare. This transaction must be made directly on the Avion Rewards website, using the flight search tool.

So, start planning your next adventure and make the most of your RBC points!

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RBC Rewards points can be used for hotels. RBC Rewards members can use their points to stay anywhere in the world, from Paris to Peterborough, and choose any level of accommodation, from basic motel chains to 5-star luxury hotels or resorts.

How to Redeem RBC Points for Hotels

• Sign in to your RBC Online Banking account.
• Pick the credit card or account you want to use to redeem.
• Start planning your trip.

Calculating Points

100 RBC Rewards points = $1.00 CDN towards your travel reward.

Other Ways to Redeem RBC Points

RBC Rewards points can also be redeemed for cruises, tours, package holidays, car rentals, flights, and vacation packages. RBC Rewards points can also be used to pay bills, including credit card bills, and can be converted to other eligible loyalty programs.

Tips for Maintaining a Baby's Schedule While Traveling

Redeeming your RBC Rewards points for car rentals is a straightforward process.

First, you need to choose your trip requirements, including your destination, the type of vehicle you would like, and the dates you will need it for. RBC Rewards points can be used for car rentals worldwide, and you can choose from a variety of vehicles, including cars and trucks.

Next, calculate the number of points you will need. The conversion rate is 100 points = $1.00 CDN towards your travel reward.

Once you have determined your trip details and calculated the required points, you can start the redemption process. Here are the steps:

• Pick the credit card or account you want to use to redeem your points.
• Sign in to RBC Online Banking using your credit card.

By following these steps, you can easily redeem your RBC Rewards points for car rentals and enjoy your travels with convenience and flexibility.

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If you're looking to use your RBC Rewards points for a cruise, you're in luck! RBC Rewards points can be redeemed for a variety of travel options, including cruises. Here's a step-by-step guide on how to redeem your RBC points for a cruise:

Step 1: Choose Your Cruise

First, you'll need to decide on the cruise you want to book. RBC Rewards partners with various cruise lines to offer a wide range of cruise options to choose from. You can browse available cruises on the RBC Rewards website or through the RBC Rewards app. Consider the destination, duration, and amenities that are important to you to find the perfect cruise for your vacation.

Step 2: Calculate the Required Points

Once you've selected your desired cruise, you'll need to calculate how many points you'll need to redeem for it. The conversion rate for RBC Rewards points is 100 points = $1.00 CDN towards your travel reward. So, simply take the cost of the cruise in Canadian dollars and multiply it by 100 to determine the number of points needed. For example, if the cruise costs $1,500, you would need 150,000 RBC Rewards points to redeem it.

Step 3: Log in to Your RBC Rewards Account

To redeem your points, log in to your RBC Rewards account through the RBC Rewards website or the RBC Rewards mobile app, which is available for both Android and iOS devices. Make sure you have your login credentials ready, such as your username and password.

Step 4: Select the "Book Travel" Option

Once you are logged in, navigate to the "Book Travel" section of the RBC Rewards platform. This is where you will be able to redeem your points for cruises, as well as other travel options like flights, hotels, and car rentals.

Step 5: Choose the Cruise and Redeem Points

Browse the available cruises and select the one you want to book. Review the details of the cruise, including the itinerary, dates, and any inclusions or exclusions. Then, proceed to the checkout process and choose to pay with your RBC Rewards points. You will need to have enough points in your account to cover the entire cost of the cruise, as partial payments are not accepted for cruise redemptions.

Step 6: Confirm Your Booking

Follow the on-screen instructions to complete your booking. Review all the details of your cruise, including dates, pricing, and any additional options you may have selected. Confirm your redemption, and you should receive a confirmation email or notification within your RBC Rewards account.

Additional Tips:

• Keep in mind that you can also use your RBC Rewards points for other travel-related expenses, such as hotels, car rentals, and tours. You can even use your points for partial payment if you don't have enough for the full cost.
• RBC Rewards points never expire, so you can take your time saving up for that dream cruise.
• If you're an RBC Avion cardholder, you can earn 1.25 Avion Points for every dollar spent on travel-related purchases, including cruises. This can help you accumulate points faster for your next redemption.

The Essential Requirements for Obtaining a Travel Visa

Redeeming your RBC Rewards points for package holidays is simple and straightforward. Here's a step-by-step guide to help you through the process:

Step 1: Choose Your Package Holiday

Firstly, decide on the package holiday that meets your travel needs and preferences. RBC Rewards points can be used for various package holidays, including cruises, tours, and stays at resorts or hotels worldwide. Consider your dream destination and the type of holiday experience you're seeking.

Once you have an idea of the package holiday you want, it's time to calculate the required points. The conversion rate is 100 points = $1.00 CDN towards your travel reward. So, for a $2000 package holiday, you would need 200,000 points. Keep in mind that you can also use your points to cover specific aspects of your trip, like hotel bookings or car rentals, if you prefer a more customizable approach.

Step 3: Pick Your Redemption Method

RBC offers multiple ways to redeem your points. You can use the RBC Online Banking platform or sign in using your RBC credit card. If you have an Avion Rewards credit card, you can also use the Avion Rewards app or website to redeem your points. Log in using your credentials and select the "Book Travel" or Travel section.

Step 4: Start Planning Your Trip

After choosing your redemption method, you can start planning your dream package holiday. Browse the available package holiday options and select the one that suits your preferences and points balance. Provide the necessary details, such as travel dates and the number of travellers, to finalize your booking.

Step 5: Redeem Your Points

During the booking process, you will be given the option to redeem your RBC Rewards points. Simply select the credit card or account you want to use for redemption and apply your points to cover the cost of your package holiday. If you don't have enough points, don't worry! You can always supplement the remaining balance with your credit card.

Step 6: Enjoy Your Holiday

With your package holiday booked and paid for with RBC Rewards points, you can now look forward to your well-deserved vacation. Pack your bags, prepare your itinerary, and get ready to create unforgettable memories on your dream holiday.

Remember to review the RBC Rewards program terms and conditions for any additional information or restrictions that may apply to redeeming points for package holidays. Start planning today and turn your RBC Rewards points into a memorable travel experience.

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Frequently asked questions.

Sign in to your Avion Rewards account or the Avion Rewards app and click "Book Travel." You can then book flights, car rentals, hotel stays, cruises, and vacation packages. You can pay the full or partial cost with Avion Points, and can even use your points to cover airport fees and taxes.

Depending on the destination, 15,000 to 100,000 Avion points are required per ticket.

Yes, make sure that the person’s personal information is written down perfectly at the time of booking.

Log in to avionrewards.com, or download the Avion Rewards app to access your account on-the-go. You can also view your points balance by selecting your credit card in RBC Online Banking.

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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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Interest charges don’t need to be a mystery. Use our credit card interest calculator to see how much interest you’d owe if you carry a credit card balance.

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 Aeroplan Vs. Air Miles: Differences And Alternatives

Published: Jul 17, 2024, 10:19am

Table of Contents

What is aeroplan, what is air miles, similarities between aeroplan and air miles, key differences between aeroplan and air miles, choosing between aeroplan and air miles, alternatives to air miles and aeroplan, frequently asked questions (faqs).

Air Miles was once the leading travel loyalty program in Canada but relaunched in June 2024 after many of its major retail partners left. It declared bankruptcy and was acquired by its partner , the Bank of Montreal, in 2023. Now, with the program touting increased flexibility and non-brand-specific Miles collection options, how does it stack up against its currently stronger competitor, Air Canada’s Aeroplan program?

Dive in and discover what separates Air Miles and Aeroplan apart from one another and if you find both programs too complicated and not straightforward enough, find out how they stack up to the alternatives out there to satisfy Canadians’ undying hunger for loyalty programs.

After all, most Canadians subscribe to between seven to 10 loyalty programs and even still, there are yet more people who can’t get enough-–belonging to 30 to 40 loyalty programs and linking their rewards credit cards to maximize every benefit.

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TD® Aeroplan® Visa Infinite Privilege* Card

On TD’s Website

Welcome Bonus

Up to $2,700 in value† including up to 75,000 Aeroplan points†

Regular APR (Purchases) / Regular APR (Cash Advances)

20.99% / 22.99%

American Express® Aeroplan®* Card

On American Express’s Secure Website

Up to 50,000 Aeroplan points

Regular APR

30% (charge card)

TD® Aeroplan® Visa Infinite* Card

Up to $1,000 in value† including up to 40,000 Aeroplan points†

Aeroplan is Air Canada’s travel rewards program. This frequent flyer program allows members to earn points when travelling with Air Canada and shopping with affiliated partner brands. Those points can then be redeemed toward travel purchases from Air Canada, Air Canada partners and Air Canada Vacations,  including flights, vacation packages, hotels and car rentals. Joining Aeroplan is free, and there are also Aeroplan-branded credit cards for those who want to earn Aeroplan points at an accelerated rate.

Air Miles is another Canadian travel rewards program. However, unlike Aeroplan, it is not tied to a specific airline. The Air Miles program is free to join and allows members to earn rewards when making purchases at grocery stores, liquor stores and wholesale stores. Those who collect Air Miles can choose between Dream Miles and Cash Miles. Dream Miles can be redeemed towards experiences such as travel, event tickets or merchandise through the Air Miles rewards website . Cash Miles can be redeemed for everyday spending at partner stores (like grocery shopping, etc.) or for eVouchers from popular brands like Starbucks, Cineplex, and Amazon . For those who want to earn Air Miles faster, you can also get an Air Miles credit card .

• Canadian travel rewards programs
• Free membership
• Branded credit card options are available
• Can use points towards travel and merchandise
• Allow you to earn in-store or online through branded partners

Air Miles and Aeroplan programs can both be lucrative rewards programs for Canadians, so if you find yourself deciding between the two, here are a few things to consider to make the best decision.

• What are your redemption goals? Aeroplan doesn’t have a cash-back option, while Air Miles does. Aeroplan and Air Miles offer travel redemption options, but if you fly often with Air Canada, Aeroplan will be more lucrative for you.
• What are your spending or shopping habits? Look at the partners for each option to see where you are more likely to spend your money. Air Miles makes sense if you are a frequent shopper at Sobeys. You also want to consider your location. Different provinces have different partners, so look at the websites and compare.

Keep in mind that both of these are free programs, so you can double-dip and take advantage of both to maximize your potential. If you are looking for a branded credit card, it’s better to pick one. However, regarding their base free programs, why not sign up for both?

Aeroplan and Air Miles are loyalty programs worth looking into, but they are not the only options. Especially if you are looking into credit card rewards programs, some alternatives to Air Miles and Aeroplan that might interest you include the following.

• American Express Membership Rewards: The American Express rewards program allows cardholders to use their points for travel and more. Higher-tier cards come with big perks like airport lounge access and travel credits. Plus, American Express Points can be converted to multiple airline and hotel loyalty program partners, including Aeroplan, at a one-to-one ratio.

Related: Best American Express Credit Cards

• RBC Avion: RBC’s rewards program is linked to certain credit cards. The best value is for travel, but you can also cash in your points for merchandise, gift cards and more.

Related: Best RBC Credit Cards

• Marriott Bonvoy: Marriott Bonvoy is a free rewards program that allows you to earn rewards for hotel stays. There are also Marriott Bonvoy-branded credit cards that allow you to earn points faster.
• TD Rewards: TD Bank credit cards offer TD Rewards, which can be redeemed for travel (through Expedia  For TD ), merchandise, gift cards and more.
• Scene+ Rewards: Scene+ Rewards is another free program that allows you to earn points when shopping at partner brands. You can also accelerate earning those points by getting a branded Scotiabank credit card . Scene+ Rewards can be used for travel, merchandise, movies, dining out and groceries .
• CIBC Aventura: CIBC’s Aventura credit cards are the backbone of the bank’s main travel rewards program. Of course, you can also use your rewards towards other redemptions, but travel is the best value.
• BMO Rewards: BMO Rewards are tied to specific BMO credit cards . With BMO Rewards points, you can travel, shop or invest.
• WestJet Rewards: For Canadians who travel frequently with the WestJet Airline, there is the WestJet rewards program. Like Aeroplan, there are also WestJet-branded credit cards.

Are Aeroplan points the same as Air Miles?

Aeroplan and Air Miles are loyalty programs allowing you to earn points for travel, merchandise, and more. However, they are separate programs and are not associated with one another.

What are the disadvantages of Aeroplan?

Aeroplan is branded with Air Canada, which means you get the best value for your points when redeeming them specifically for Air Canada products (flights, vacations, etc.) rather than travel in general.

Can I use Air Miles for Air Canada?

Yes, you can use Air Miles for Air Canada. That being said, since Aeroplan is Air Canada’s reward program, if you fly frequently with Air Canada, it is likely more lucrative to collect Aeroplan points.

Are Air Miles worth it in Canada?

Air Miles used to be one of Canada’s top programs but has had a rough few years. The program’s parent company even filed for bankruptcy in 2023 before the program was acquired by the Bank of Montreal (BMO) . However, the new program has had a significant facelift and has been revamped to be more flexible and allow Canadians to earn faster. While it is still in the early days, we are excited about these changes.

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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.

Sign In to Avion Rewards

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Avion Elite members get there sooner with exclusive fixed-points pricing on any airline, any flight, any time. No blackout dates or advance seating restrictions, even during peak periods. 

Quick Getaways

• Within or to an adjacent province/territory
• Within or to an adjacent U.S. state

Max Ticket Price* $350

Explore North America

• Anywhere in Canada/U.S. except Hawaii and Alaska

Max Ticket Price* $750

Holiday Destinations

• Western Canada/U.S. to Mexico, Hawaii, Alaska
• Eastern Canada to Bermuda, Central America, Caribbean

Max Ticket Price* $900

Take a Vacation

• Eastern Canada/U.S. to Mexico, Hawaii, Alaska
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Max Ticket Price* $1,300

100,000 pts

See the World

• Major gateway in Canada/U.S. to destinations in Asia, Australia, New Zealand, South Pacific, Middle East, Africa, South America

Max Ticket Price* $2,000

*Excluding any applicable taxes, surcharges and fees.

Max Ticket Price* $175

Max Ticket Price* $375

Max Ticket Price* $450

Max Ticket Price* $550

Max Ticket Price* $650

Max Ticket Price* $1,000

Avion Elite members can also redeem for hotel stays, car rentals and more, using this simple conversion:

You also have the flexibility to redeem for flights using this conversion, including paying taxes and fees * If you are an RBC Avion Visa Infinite Privilege for Private Banking, RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Business or RBC Commercial Avion Visa cardholder, you can redeem your points at the rate of 100 points = $2 CAD for first or business class air fare, including paying taxes and fees.

Still have questions? Visit our Travel FAQs page

Family vacations or bucket-list trips, eligible Avion Premium members 1 can redeem using this conversion:

Redeem a minimum of 1,000 points – the remaining balance can be paid with a credit card.

ION & ION+ credit card holders and Avion Rewards Core Accounts redeem using a conversion rate of 172 points = $1 (minimum 2,500 points)

Road trips, weekend getaways or vacations, Avion Select members can redeem travel using this conversion:

Redeem a minimum of 2,500 points – the remaining balance can be paid with a credit card.

Travel sooner 2 as an Avion Elite member

Get the RBC Avion Visa Infinite card to become an Avion Elite member and enjoy exclusive benefits to help you travel sooner 2 on points with any airline, any flight and anytime.

Convert points for travel

Avion Premium and Elite members can convert points to other loyalty or frequent flyer programs, so you can fly and earn your own way. 1

WestJet Rewards

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British Airways

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Still have questions? Check our Travel FAQs

Avion Rewards travel

Redeem your points for flights, hotels, car rentals, and more.

How many Avion points do you need to travel?

Rbc avion visa credit card holders.

Choose any airline, any flight, any time. There are no blackout dates or advance booking restrictions, even during peak periods.

Avion credit card holders can also redeem for all type of travel, using this simple conversion:

Redeem points using this conversion rate for hotel stays, car rental, cruises, and more. You can also use it for flights when you don’t want to redeem from the Air Travel Redemption Grid above.

Want to travel sooner?

With an RBC Avion credit card, you could be travelling sooner with any airline, any flight, any time. Apply for an RBC Avion Visa Infinite card today and get.

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Redeeming Avion points for your travel needs is easy

Just use this conversion rate if you’re:

• redeeming for a flight not using the Air Travel Redemption Schedule;
• redeeming for a hotel stay, car rental, cruise or vacation package;
• paying any amount above the maximum dollar value within a category;
• paying taxes, surcharges and fees.

If you are an RBC Avion Visa Infinite Privilege for Private Banking, RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Business or RBC Commercial Avion Visa cardholder, you can redeem your points at the rate of 100 points = $2 CAD for first or business class air fare, including paying taxes and surcharges and fees.

Don’t forget, if you’re short a few points, you can always purchase travel by redeeming your points and using your credit card.

For more information, see our Avion Rewards Terms and Conditions .

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There’s nothing you look forward to more than your next trip. As an RBC Avion Visa Cardholder, you get the flights you want at the points you expect – on any airline, any flight, anytime. Plus, enjoy exclusive benefits , so you can travel on your terms – the way travel should be.

Why Avion? A travel rewards card that actually wants you to travel. With Avion, you get:

Your points take you farther. One-way flights start as low as 7,500 Avion points! ^ . Plus, Avion points don't expire 1 , so you can use your points where and when it's right for you.

More Freedom

Choose any airline, any flight, any time 2 . No blackouts. No seat restrictions.  Choose from over 130 airlines and 200,000+ hotels and resorts. If there's a seat available, you can fly — even during peak seasons. Plus you can also use your points to cover airline fees and taxes. Close

More Rewards

Earning points is easy with Avion. Get Avion points on all your purchases, plus an extra 25% on eligible travel related purchases 3 on the RBC Avion Visa Infinite credit card.

Flexible Points

Use your points for travel, to pay bills or even redeem for merchandise. You can also convert Avion points to other eligible loyalty programs.  The Avion Rewards program helps you make the most as an RBC Avion Visa Cardholder. Including WestJet dollars, British Airways Avios points, American Airlines AAdvantage miles, Cathay Pacific Asia Miles Close

Built-In Travel Coverage

Enjoy peace of mind on your travels with a comprehensive suite of insurance coverages offered with our Avion credit cards 4 .

NEW Mobile Device Insurance

Get coverage up to $1,500 in the event your mobile device such as your cell phone is lost, stolen, accidentally damaged or experiences mechanical failure 4 .

NEW Exclusive Hertz Car Rental Offer

Save up to 20% off the base rate 12 , and earn additional Avion Points 13 when you pay with your RBC Avion credit card, pay no additional driver fee 12 , and more.

Get 35,000 Welcome Points When You're Approved. Apply for the RBC Avion Visa Infinite Today

That's enough points to fly anywhere in Canada and U.S. (Alaska & Hawaii require more points)

An Avion Card For Every Traveller Let's find the right Avion credit card for you.

Are you a Business Owner? Check out the new RBC Avion Visa Infinite Business card

Top Questions About Avion

Avion is not just a travel rewards card, it's a lifestyle. As an RBC Avion Visa Cardholder, you automatically get access to the best of everything—from best-in-class travel rewards, to exclusive offers and privileges, plus points on everyday purchases. And, unlike some other travel rewards programs, you can use your points to cover airline fees, taxes, hotels, car rentals, excursions, and more. The best part is that your points are not limited to just travel. You can use your points for virtually anything, like saving for the future, shopping for the latest tech, donating to your favourite charity and so much more—giving you more value, more freedom and more rewards.

No. Unlike other travel credit cards, your points never expire 1 and there's no limit to the points you can earn. This is part of our unwavering commitment to our clients. We want you to use your points where and when it's right for you.

Travel is our passion too, and we want you to love using your points. We're here to help make your travel easier and more enjoyable. With Avion, there are no blackout periods, seat restrictions, or unnecessary stopovers. That means if there's a seat available, you're flying — even during peak seasons like March break and holidays.

You'll earn points every time you make a purchase with your card. Plus, we're always introducing new ways of earning points faster so you can travel further. For example, earn 25% more points per $1 spent 3 when using your RBC Avion Visa Infinite credit card for travel related purchases such as rental cars, flights and hotels. That's not all, instantly save 3¢/L on gas when you link your RBC Avion card to your Petro-Points 7 card and start saving at Petro-Canada every time. You'll also earn 20% more Avion points and Petro-Points 8 . And now, earn even faster with the Avion Rewards app 9 which brings you exciting new offers, including ways to earn bonus points while you shop at your favourite brands.

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21.99% if you reside in Quebec.

Air Travel Reward redemptions from the Air Travel Redemption Schedule start at 7,500 points for a one-way short-haul flight in economy class with a maximum ticket price of $175 (and start at 15,000 points for a round-trip short-haul flight in economy class with a maximum ticket price of $350). All applicable taxes, service fees and surcharges are the responsibility of the traveler. For more details, including guidelines on redeeming for business class seats, visit www.avionrewards.com/travel/. ba.com / asiamiles.com / aa.com for full program terms and conditions. -->

AAA Travel Insurance Review

• Plans Available
• How to Purchase and Manage Your Policy
• Customer Service and Support Experience 

AAA Travel Insurance vs. Its Competitors

• Why You Should Trust Us

AAA Travel Insurance Review 2024: Coverage, Benefits, and Expert Insights

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

It's impossible to predict the future, especially when you're traveling. That's why travel insurance is often a wise investment. You want to protect yourself and your money in case something goes wrong. Business Insider compared AAA travel insurance to the best travel insurance companies and found it to be above an average, especially if you're traveling with kids. 

The American Automobile Association is a national organization with over 61 million members and offers comprehensive travel insurance plans. AAA policies are supplied by Allianz Global Assistance , one of the world's top travel insurance providers.

AAA Travel Insurance  makes it easy to get coverage for an upcoming trip. You can get a quote, compare plans, and purchase a policy online. 

The plans from AAA travel insurance are extensive, covering the following:

• Trip cancellations
• Trip delays
• Trip interruptions
• Trip changes
• Emergency medical transport
• Lost baggage
• Lost or stolen travel documents

AAA travel insurance plans are competitively priced and give you the flexibility to pay for only the amount of coverage you need. For instance, if you're traveling with one small piece of luggage, you could opt for a more basic plan with less baggage coverage, saving you money in the process. Kids 17 and under are also covered for free when they travel with parents or grandparents, making it a good choice for travel insurance for families . 

One downside to AAA travel insurance is that the website is not as user-friendly as its competitors. Requesting a AAA travel insurance quote and comparing plan options can be more challenging than on some other travel insurance platforms. Additionally, it's coverage limits on emergency medical insurance is on the lower side, topping out at $75,000.

AAA Travel Insurance Plans Available

AAA travel insurance offers several plans, each with its own price and level of coverage. Plan availability depends on where you live. 

Travelers from most U.S. states will have the following plan options:

• TripProtect Select II. This is the simplest, most affordable plan. Among its many benefits, AAA offers trip cancellation insurance up to $50,000, emergency medical up to $25,000, and lost baggage coverage up to $1,000.
• TripProtect Cancel Anytime . This provides the same coverage as TripProtect Select II, but allows travelers to cancel their trip for "almost any unforeseen reason" not already covered in the Select plan. Cancellations that fall under this category are eligible for 80% reimbursement of nonrefundable fees.
• TripProtect Deluxe II. This plan covers the same categories as the Select II plan, but increases the coverage amount in most categories. For example, the baggage coverage extends up to $2,000 and travel medical insurance extends to $75,000.
• Rental Car Damage Protector. This is a plan specifically for protecting you if your rental car is damaged. It doesn't cover standard travel-related categories, but it does cover trip interruptions related to a rental car, rental car damage (up to $50,000), and baggage loss related to a rental car. 

Travelers from New York and Washington have access to the TripAssist plans (instead of the TripProtect plans outlined above). The scope of coverage with TripAssist plans is quite similar. 

Keep in mind that AAA travel insurance could deny coverage to people with pre-existing medical conditions. That said, it's possible to secure insurance, even with a pre-existing condition. You will have to buy a plan that can provide a pre-existing medical condition exclusion waiver and buy your policy within a specified purchasing window.

In AAA's case, all its policies, excluding its rental car damage protector, offers pre-existing condition waivers. To qualify for the waiver, you'll need to purchase your policy within 14 days of your initial trip deposit.

Additional Coverage Options Offered by AAA Travel Insurance (Riders)

AAA travel insurance doesn't allow for add-ons or riders. With each AAA travel insurance plan, what you see is what you get. Only the people named on the policy are covered. So, if you're traveling with family members or friends who want coverage, be sure to include them when requesting a quote. However, note that kids 17 and under can be covered for free.

You also need to be aware of exclusions. Exclusions are certain expenses that aren't covered by the travel insurance policy.

Common exclusions with AAA travel insurance include:

• Pre-existing medical conditions
• "Normal" pregnancy and childbirth
• Fertility treatment or elective abortion
• Alcohol or drug use
• High-risk or extreme sports (bungee jumping, skydiving, etc.)
• Criminal acts
• War or war-related activity (including terrorism)

Before purchasing a policy, make sure you're aware of the specific exclusions for your chosen plan.

How Much Does AAA Travel Insurance Cost? 

The cost of a AAA travel insurance plan depends on several factors, including:

• Your home state
• The number of travelers 
• The age of the travelers
• Your destination
• The length of your trip
• The total cost of your trip

When you request a quote on the official AAA travel insurance website, you'll provide all of this information. That way, AAA can quote you an accurate price.

For a general idea of typical costs, here's how much the TripProtect Select II plan would cost in certain situations:

• $152 – A 23-year-old from Illinois taking a week-long, $3,000 trip to Italy
• $186 – A 30-year-old from California taking a two-week trip to Japan for $4,000
• $434 – A Texas family (two 40-year-old parents with a 10-year-old and 4-year-old) taking a two-week trip to Australia for $20,000
• $418* – A 65-year-old couple from New York taking a $6,000 trip to Mexico for two weeks

*This quote is for the TripAssist Family Care plan, which is currently only available in New York and Washington. 

How to Purchase and Manage a AAA Travel Insurance Policy

AAA Travel Insurance provides affordable, user-friendly policy options. You can purchase a AAA travel insurance policy online by going to the official AAA travel insurance website and follow the following steps:

• Enter information about your upcoming trip, including your state of residence, the total trip cost, destination, travel dates, and the ages of all travelers.
• Choose from the available plans (and then click "Buy Now").
• Provide additional information (name, address, and flight information).
• Enter your credit card information.
• Click "Complete Purchase."

The entire process should only take a few minutes. Just make sure you carefully look at each available plan before making your decision. Additionally, consider whether you need the pre-existing condition waiver. To qualify, you'll need to purchase your policy within 14 days of your initial trip deposit.

How to file a claim with AAA Travel Insurance

The easiest way to file a claim is to do it online.

Go to the travel insurance page of the AAA website and click "File or check a claim." In the next window, click "File a claim." This will take you to the Allianz Insurance Claims Center (remember, Allianz is the supplier of AAA travel insurance). 

You can also go directly to the Allianz Insurance Claims Center. 

Within Allianz's online claims system, you'll follow a basic three-step process:

• Provide some details about what happened in an online form.
• Upload supporting documentation (incident reports, proof of payment, trip itineraries, receipts, etc.)
• Continue to check your claim status online through the Allianz Insurance Claims Center.

If you prefer not to file a claim through the Allianz website, you can use one of these alternative methods:

• The Allyz TravelSmart mobile app (available for iOS and Android)
• Email via [email protected]
• Fax to 804-673-1469
• Mail to the following address: 

Allianz Global Assistance

P.O. Box 71533

Richmond, VA 23255-1533

Whichever filing method you choose, remember that Allianz can't accept a claim without proof. So, make sure you include all the documents necessary to show that the incident occurred. If Allianz needs more documentation, they'll ask for it – but the request is likely to slow down the claim process. 

AAA Travel Insurance Customer Service and Support Experience 

AAA travel insurance is provided by Allianz, a reputable insurance provider based in Germany. In online reviews, Allianz customers report an overall positive support experience. 

Allianz gets an average of 4.2 stars from users on the popular review site Trustpilot. People frequently comment that the claims process goes smoothly and takes less time than expected. Customers also praise the staff for being truthful and responsive.

AAA Travel Insurance isn't the only option for travelers who want coverage. Here's how AAA stacks up against the competition. 

AAA Travel Insurance vs. Nationwide

Unlike AAA, which is a nonprofit motor club organization that offers travel insurance on the side, Nationwide is an actual insurance company. That means they have a wider variety of travel insurance plans to choose from. 

Along with single-trip insurance, Nationwide Travel Insurance offers annual multi-trip plans and special cruise plans. 

Annual travel insurance can be cost-effective if you take multiple trips in a year. So, if you're a frequent traveler, getting an annual plan from Nationwide could be better than using AAA to buy multiple single-trip plans.

Read our Nationwide travel insurance review .

AAA Travel Insurance vs. Faye

Faye Travel Insurance is an app-based travel insurance provider that offers highly customizable plans. With Faye, you can choose to add coverage for vacation rental damage, extreme sports, and even pet care. This flexibility, along with the app-based interface, makes it a great option for young, adventurous travelers. 

Faye doesn't let you choose between different coverage amounts for included categories. This is different from AAA travel insurance, where you can select between a basic plan with lower coverage amounts and a more comprehensive plan with higher coverage amounts. So, if you're hoping to match your coverage to your level of risk tolerance, AAA could be better.

Read our Faye travel insurance review .

AAA Travel Insurance vs. Cat 70

Operated by travel insurance aggregator SquareMouth, Cat 70 Travel Insurance provides $500,000 in emergency medical coverage. That's significantly more than AAA travel insurance, which only covers up to $75,000 in emergency medical expenses. That makes Cat 70 a better option for older travelers or anyone who worries they could suffer a medical emergency.

However, the signup process for Cat 70 is relatively confusing compared to AAA's system. You have to go through SquareMouth, instead of requesting a quote from Cat 70 directly. So, if your goal is to simplify the process, AAA is better. 

Read our Cat 70 travel insurance review .

AAA Travel Insurance FAQs

All AAA travel insurance plans cover trip cancellation, with the exception of the specific rental car damage plans.

AAA travel insurance covers trip cancellations, trip interruptions, medical emergencies, lost baggage, and lost or stolen travel documents. It can also cover pre-existing medical conditions, but only if you secure a waiver ahead of time. The exact coverage will depend on the specific AAA travel insurance plan.

Yes, Allianz provides the travel insurance that AAA offers. This means that if you purchase an AAA travel insurance plan and have to file a claim, you'll file it with Allianz.

AAA membership does not include travel insurance for seniors or anyone else. For an AAA member to get travel insurance through the organization, they have to pay for it separately.

Why You Should Trust Us: What Went into Our AAA Travel Insurance Review

To evaluate AAA travel insurance, we reviewed the variety of options it offers, coverage limits, benefits, add-ons, flexibility, protocols, claims process, and affordability. We pay attention to any savings opportunities travelers can take advantage of, like discounts for children. We also look at how travel insurance companies handle pre-existing medical conditions.

We'll also consider how customers rate a travel insurance company. After all, it doesn't matter if a travel insurance company offers great coverage if it's not going to follow through on payouts if a covered event occurs.

Read more about our  travel insurance ratings methodology  here.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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