Trip Cancellation reimburses non-refundable prepaid travel cancelled before departure for one of 27 covered reasons, up to $1,500 per insured person and $5,000 per trip for all insured combined. Only arrangements charged to the card or redeemed with Aeroplan points qualify. Underwritten by Belair Insurance and administered by Global Excel.
CIBC Aeroplan Visa Infinite benefits: which travel insurance protections actually pay out?
CIBC·CA$139/year·Visa Infinite·Belair Insurance Company Inc. (Intact); assistance and claims by Global Excel Management Inc.
4,1/5Independent review · verified July 2026
4,2
4,5
3,0
Our Verdict · Travel Insurance
Our take on travel insurance for the CIBC Aeroplan Visa Infinite
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
$5M medical with a 65 cliff. A $2,000 interruption ceiling. That is the shape of the CIBC Aeroplan travel insurance. The emergency medical is the headline: up to $5,000,000 per person, and Global Excel will bill the hospital directly where possible, so you are not always fronting a U.S. ER bill. The catch is the clock. Coverage runs the first 15 days of a trip if you are 64 or under, and just 3 days once you turn 65. Past that window, with no top-up, the bill is yours. Trip cancellation is solid for the fee: $1,500 per person, up to $5,000 a trip, across 27 covered reasons. Where the card thins out is after you have left. Trip interruption and trip delay share one $2,000 per person cap, which a long or expensive trip burns through fast. The support benefits are present but capped. Flight delay pays $500 at a 4-hour trigger with $100 sub-limits. Baggage is $500 per person, and lost baggage excludes cameras, electronics, and eyewear. Common carrier accident is a full $500,000. If you travel under 65 and book trips you might cancel, the Aeroplan card carries real coverage for $139. If you are 65 or older, or you book long high-value trips, buy the top-up and plan around the $2,000 interruption ceiling.
What works on travel
- $5,000,000 emergency medical per person, with Global Excel arranging direct payment to the hospital where possible
- Trip cancellation $1,500 per person ($5,000 per trip) across 27 covered reasons
- Primary rental CDW to the vehicle's actual cash value, no deductible, MSRP up to $85,000
- $500,000 common carrier accident, plus $2,500 hotel burglary
- Embedded purchase security, extended warranty ($60,000 aggregate), and $1,000 mobile device insurance
Where travel breaks down
- Emergency medical lasts only 15 days under 65 and drops to 3 days at 65 or older without a paid top-up
- Trip interruption and trip delay share a low combined $2,000 per person cap
- Lost and delayed baggage share a $1,000 per occurrence cap; lost baggage excludes electronics, cameras, and eyewear
- Flight delay capped at $500 with $100 transportation and $100 entertainment sub-limits
- Mobile device payout is cut by 2% monthly depreciation plus a 10% deductible
Our methodology
Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.
Travel Insurance · 11 guarantees
What does CIBC Aeroplan Visa Infinite Travel Insurance actually cover?
Capped at $1,500 per person and $5,000 per trip. Only travel charged to the card or redeemed with Aeroplan points is reimbursable, so a costly booking can leave a balance on you.
What's covered
- Emergency medical condition or death of you, a family member, or a travelling companion
- A Government of Canada advisory to avoid travel issued after you booked
- Involuntary loss of employment or an employer relocation
- Jury duty, subpoena, or being called as a witness
- Quarantine, hijacking, or a cruise cancelled before departure
What's not covered
- Cancellation for a reason outside the 27 covered reasons
- Pre-existing conditions not stable for 90 days (180 days at 65+) before the effective date
- Travel booked after a known event
- Arrangements not charged to the card or redeemed with Aeroplan points
Only the first 15 days are covered under 65, and just 3 days at 65 or older. Day 16, or day 4 for a 66-year-old, leaves a U.S. hospital bill (often $20K to $80K) on you unless you bought the top-up.
Out-of-Province Emergency Medical pays up to $5,000,000 per insured person per trip for a sudden emergency abroad, in excess of your provincial plan. It covers the first 15 consecutive days of a trip if age 64 or under, and only the first 3 consecutive days if 65 or over. Global Excel arranges direct payment to the hospital where possible. Call before treatment, or what is payable may be limited.
What's covered
- Hospital and medical facility accommodation and physician fees
- Emergency dental from an accidental blow, up to $2,000, plus $200 for pain relief
- Prescriptions, ground and air ambulance, and diagnostic tests
- Paramedical care (physiotherapist, chiropractor) up to $300 per profession
- Coming home: one-way economy airfare when medically necessary
- Return of a deceased person up to $3,500; bedside companion if hospitalized 7+ days
What's not covered
- Days beyond 15 (under 65) or 3 (65 plus) without a top-up
- Pre-existing conditions not stable for 90 days (180 days at 65+) before departure
- Non-emergency, elective, or experimental treatment
- High-risk activities: mountain climbing, scuba without certification, skydiving, racing
- Alcohol or drug related incidents, war, civil unrest
Call Global Excel before any evacuation or medical transport is arranged. Transport set up without prior approval may not be covered.
Emergency air ambulance, medical transport, and coming home are covered within the $5,000,000 Emergency Medical benefit. Global Excel arranges and pays for transport to the nearest appropriate facility, then your return home once stable. Return of a deceased person and bedside transportation for a family member are also covered. Call Global Excel before any transport is arranged.
What's covered
- Air ambulance or stretcher transport when medically necessary
- One-way economy airfare home when medically necessary
- Bedside transportation for a family member if you are hospitalized 7 or more days
- Return of dependent children with an escort
- Return of a deceased person, up to $3,500
What's not covered
- Transport not approved in advance by Global Excel
- Days beyond the emergency medical window
- Non-emergency or elective transport
Trip interruption and trip delay share one $2,000 per person cap, low for a premium card. A long, expensive trip cut short can exceed it quickly.
Trip Interruption and Trip Delay together reimburse up to $2,000 per insured person when a covered reason interrupts or delays your trip after departure. It covers the unused non-refundable prepaid portion plus a one-way economy fare to rejoin or return. An out-of-pocket benefit pays $100 per day up to $1,000 for accommodation, meals, taxi, and rideshare.
What's covered
- Unused non-refundable prepaid travel after a covered interruption
- One-way economy fare to rejoin the trip or return home
- Out-of-pocket $100 per day up to $1,000 (accommodation, meals, taxi, rideshare)
- The same 27 covered reasons as cancellation
What's not covered
- A reason outside the 27 covered reasons
- Pre-existing conditions not stable for the required window
- Amounts beyond the combined $2,000 per person cap
- Known events before departure
Flight delay is capped at $500 per occurrence for everyone combined, with $100 sub-limits on transportation and entertainment. Keep expectations modest.
Flight Delay reimburses certain expenses when your flight is delayed 4 hours or more. The benefit is up to $500 per occurrence for all insured persons combined, with a $100 sub-limit for transportation and a $100 sub-limit for entertainment. At least 75% of the fare must be charged to the card.
What's covered
- Meals and accommodation during the delay
- Transportation, up to a $100 sub-limit
- Entertainment, up to a $100 sub-limit
- Triggered by a delay of 4 hours or more
What's not covered
- Delays under 4 hours
- Expenses above the $500 occurrence cap or the $100 sub-limits
- Expenses not incurred during the delay
Missed connection is not a standalone benefit. Relief only applies if your flight delay reaches the 4-hour trigger.
No standalone missed connection benefit. This card lists flight delay, delayed baggage, and lost baggage, but not missed connection as its own coverage. Relief for a missed onward connection applies only if it falls under the flight delay benefit.
What's not covered
- Missed connection is not a separate benefit. A missed connection is only relieved through the flight delay benefit's 4-hour trigger.
Early return home is provided through the Trip Interruption benefit and the medical Coming Home provision. When a covered reason cuts your trip short, the card covers a one-way economy fare to your departure point, within the combined $2,000 per person interruption limit. A medically necessary return is arranged by Global Excel.
What's covered
- One-way economy fare home after a covered interruption
- Medically necessary return arranged by Global Excel
- Counts within the $2,000 per person interruption limit
What's not covered
- A reason outside the 27 covered reasons
- Amounts beyond the $2,000 interruption cap
- Medical return transport not pre-approved by Global Excel
Delay of Checked Baggage reimburses essential clothing and toiletries when the airline delays your checked baggage more than 6 hours. It pays up to $500 per insured person, to a maximum of $1,000 per occurrence for all insured combined. Essentials must be bought within 4 days. At least 75% of the fare must be charged to the card.
What's covered
- Essential clothing and toiletries
- Bought within 4 days of the delay
- Up to $500 per person and $1,000 per occurrence
What's not covered
- Delays of 6 hours or less
- Purchases after your baggage is returned
- Amounts above the $500 per person or $1,000 occurrence cap
Cameras, electronics, and eyewear are excluded, and lost baggage shares a $1,000 per occurrence cap with delayed baggage. A stolen laptop or camera is not covered.
Lost or Stolen Baggage covers loss or damage to your carry-on or checked baggage while in the custody of a common carrier, up to $500 per insured person and $1,000 per occurrence for all insured combined. Jewellery carries a sub-limit. Cameras, electronics, and eyewear are excluded entirely.
What's covered
- Loss or damage to carry-on or checked baggage with a common carrier
- Personal effects up to $500 per person
- Jewellery up to a sub-limit
What's not covered
- Cameras, computers, and other electronics
- Eyewear (prescription glasses and sunglasses)
- Money, tickets, and documents
- Amounts above the $500 per person or $1,000 occurrence cap
Common Carrier Accident pays up to $500,000 per insured person for accidental death or dismemberment while riding as a passenger on a common carrier (land, air, or water), when the full fare is charged to the card. Scheduled lower amounts apply to the loss of a limb or sight.
What's covered
- Accidental death, up to $500,000
- Loss of limbs or sight (a schedule applies)
- Coverage while a passenger on a licensed common carrier
What's not covered
- Private or non-licensed transport
- Self-inflicted injury or suicide
- War or terrorism
- Alcohol or drug related incidents
Hotel Burglary pays up to $2,500 per occurrence for all insured combined for loss or damage to personal items if your accommodation is burglarized while you are registered as a guest. The room cost must be charged to the card or redeemed with Aeroplan points.
What's covered
- Loss or damage to personal items from a burglary of your accommodation
- Applies while registered as a guest
- Up to $2,500 per occurrence for all insured combined
What's not covered
- Theft without a burglary of the accommodation
- Cash and documents
- Amounts above the $2,500 occurrence cap
Policy document
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the CIBC Aeroplan Visa Infinite wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Medical: well above the market average
Evacuation: above the market average
Stay Interrupt: above the market average
Compare
Aeroplan Visa InfiniteThis card4.1/5?
CA$139/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
CA$236 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the CIBC Aeroplan Visa Infinite stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Aeroplan Visa Infinite shoppers also consider.
| Card | This card Aeroplan Visa Infinite CIBC · CA$139/yr 4.1/5? | Aventura Visa Infinite CIBC · CA$139/yr 4.0/5? | Rewards World Elite Mastercard BMO · CA$150/yr 4.3/5? | World Elite Mastercard ATB Financial · CA$120/yr 4.1/5? |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | $1,500 / person 27 covered reasons | $1,500 per person Charged to card or Aventura points | $2,500 / person ($5,000 / account) $0 deductible | $1,000 / person (max $5,000 / trip) |
Emergency medical Hospital bills abroad | $5,000,000 15 days, 3 days at 65+ | $5,000,000 Direct payment arranged | $2,000,000 (under 65, first 21 days) First 21 days only | $2,000,000 / person · ≤22 days · under 65 |
Emergency evacuation Air ambulance + repatriation | Within $5M medical Within emergency medical | Within $5M medical Air ambulance arranged | Actual cost (pre-authorization required) Pre-authorization required | Included (within medical) |
Trip delay trigger Hours before benefits kick in | 4h / $500 4-hour trigger | 4h / $500 4-hour delay threshold | $500 / account / trip (6h+ delay) Trigger: 6 hours | $500 / trip ($250/day, up to 2 days) |
Trip interruption Covered amount | $2,000 / person 27 covered reasons | $2,000 per person Shared with trip delay | $2,000 / person Up to $2,000 / person | $1,000 / person (max $5,000 / trip) |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Cardholder reviews
What cardholders say about the CIBC Aeroplan Visa Infinite
Public sentiment on medical claims, the 65+ cap, and Aeroplan value 84 reviews
RP
r/PersonalFinanceCanada
Global Excel billed the hospital directly
Got sick in Mexico and called Global Excel before going in. They coordinated directly with the clinic so I did not have to front the whole bill. For a $139 card with $5M medical, the embedded coverage is genuinely good if you call first.
MC
Milesopedia comment
Medical drops to 3 days at 65
Be careful if you are over 65. The medical only covers the first 3 days of a trip at that age, versus 15 days if you are younger. My parents needed a separate policy for a two-week trip. The points are great but the medical window is short for retirees.
RC
r/CreditCardsCanada
Trip interruption cap is low
Had a trip cut short and learned the interruption and delay share just $2,000 per person. On a longer booking that did not cover the unused portion. Fine for short trips, thin for anything expensive.
CR
creditcardGenius review
Mobile claim shrank with depreciation
Filed for a cracked phone about a year in. After the 2% per month depreciation and the 10% deductible, the payout was a lot lower than I expected on a $1,000 limit. Read the depreciation math before counting on it.
Emergency · Card assistance line
How to contact CIBC Aeroplan Visa Infinite assistance?
All coverages run through Global Excel Management
Canada and U.S. Assistance
1-866-363-3338
24/7
International Assistance
+905-403-3338 (collect)
Collect calls accepted · 24/7
Benefit administrator: Belair Insurance Company Inc. (Intact) underwrites all coverages | Global Excel Management Inc. is the assistance and claims service provider
Claims & pre-authorizations
How to file a CIBC Aeroplan Visa Infinite claim
1
Step 1: Call Global Excel before treatment
For any medical emergency, call Global Excel before seeking treatment at 1-866-363-3338 (Canada and U.S.) or +905-403-3338 collect from abroad. They are available 24/7 and can arrange to pay the hospital directly where possible. Failing to call first may limit what is payable.
2
Step 2: Report on the day it happens
For trip cancellation, interruption, or delay, call the day the cause occurs or the next business day. For a rental car loss, report within 48 hours. Keep boarding passes, your card statement showing the charge, and any police or airline reports.
3
Step 3: Gather your documents
Collect itemized receipts and invoices, your card statement showing the trip or purchase was charged, your provincial health plan statement for medical claims, and original proof of loss. Keep all originals.
4
Step 4: Submit within 90 days
Send your completed claim and documents to Global Excel Management Inc., 73 Queen Street, Sherbrooke, Quebec J1M 0C9. Submit within 90 days of the date of loss. Approved claims are paid in Canadian funds.
FAQ
What people ask about the CIBC Aeroplan Visa Infinite
- There is no separate enrolment. Emergency medical, flight delay, baggage, and common carrier accident coverage apply automatically when you charge your travel to the card or redeem Aeroplan points (at least 75% of the fare for some benefits). For trip cancellation and interruption, the prepaid arrangements must be charged to the card or redeemed with Aeroplan points. For rental cars, decline the agency collision waiver and charge the full rental to the card. In a medical emergency, call Global Excel first at 1-866-363-3338, or what is payable may be limited.
- Emergency medical covers you, your spouse, and your dependent children, each a Canadian resident with a government health plan, for the first 15 days of a trip if age 64 or under or the first 3 days if 65 or over. Trip cancellation and interruption cover insured persons whose prepaid travel is charged to the card or redeemed with Aeroplan points. Common carrier accident applies when the fare is charged to the card. Purchase, warranty, and mobile device benefits cover the cardholder's purchases.
- Charge the entire rental to your card or redeem Aeroplan points, and decline the rental agency collision damage waiver at the counter. Coverage is primary, so Belair pays for theft, loss, or damage up to the vehicle's actual cash value with no deductible, before your personal auto insurer is involved. It applies to vehicles with an MSRP of $85,000 or less for rentals up to 48 consecutive days. Report any loss to Global Excel within 48 hours.
- Call Global Excel Management at 1-866-363-3338 (Canada and U.S.) or +905-403-3338 collect from abroad, on the day the event happens. Submit your claim within 90 days with itemized receipts, your card statement showing the charge, your provincial health statement for medical claims, and any police or airline reports. Documents go to Global Excel Management Inc., 73 Queen Street, Sherbrooke, Quebec J1M 0C9. Payment is made in Canadian funds.
- Emergency medical does not apply beyond 15 days under 65, or beyond 3 days at 65 or over, without a paid top-up, and pre-existing conditions must be stable for 90 days (180 days at 65+). Trip interruption and delay are capped at a combined $2,000 per person. Lost baggage excludes cameras, electronics, and eyewear and shares a $1,000 per occurrence cap with delayed baggage. There is no price protection, return protection, rideshare, or identity theft coverage.
- Where possible, Global Excel arranges to pay the hospital or clinic directly, which is a real advantage over reimbursement-only cards. In some countries, or where local providers will not bill an insurer, you may have to pay up front and claim the cost back. Either way you must call Global Excel at 1-866-363-3338 before treatment when reasonably possible. A serious U.S. hospital stay can run tens of thousands of dollars, so calling first is what triggers direct billing.
- It is primary. Belair pays a covered rental theft or collision claim up to the vehicle's actual cash value, with no deductible, before your personal auto insurer is involved, which keeps your own policy and record clean. Decline the agency collision damage waiver and charge the full rental to the card or redeem Aeroplan points. The vehicle MSRP must be $85,000 or less and the rental no longer than 48 consecutive days.
- Yes, but only briefly. Emergency medical covers the first 3 consecutive days of a trip once you are 65 or over, compared with 15 days for travellers 64 or under. The $5,000,000 limit does not change, but the duration collapses, so a longer trip for an older traveller is largely uninsured unless you buy a CIBC top-up at 1-800-281-9109 before departure. Pre-existing conditions must also be stable for 180 days before departure at 65 or over.
- Yes. Trip cancellation pays up to $1,500 per insured person, to a combined $5,000 per trip, for prepaid non-refundable travel cancelled before departure for one of 27 covered reasons, including illness, a family emergency, a Government of Canada travel advisory, jury duty, and an employer relocation. Only arrangements charged to the card or redeemed with Aeroplan points are reimbursable. The $1,500 per person cap is modest, so a costly trip can leave a balance you cover yourself.
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