How do I activate the CIBC Aeroplan Visa Infinite travel insurance benefits?

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.

Who is covered under my CIBC Aeroplan Visa Infinite benefits?

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.

How does the CIBC Aeroplan Visa Infinite rental car coverage actually work?

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.

How do I file a claim with the CIBC Aeroplan Visa Infinite?

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.

What does the CIBC Aeroplan Visa Infinite not cover?

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.

Does the CIBC Aeroplan Visa Infinite pay my medical bills directly or do I pay first?

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.

Is the CIBC Aeroplan Visa Infinite rental car coverage primary or secondary?

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.

Does the CIBC Aeroplan Visa Infinite cover travellers over 65?

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.

Does the CIBC Aeroplan Visa Infinite cover trip cancellation?

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.

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.

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 23, 20268 min read

4,1/5Independent review · verified June 2026

Travel Insurance

4,2

Car Rental

4,5

Protection

3,0

Our Verdict · Travel Insurance

Our opinion on CIBC Aeroplan Visa Infinite Travel Insurance

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?

Quality, not just caps

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.

Deductible : No deductible

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.

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.

Deductible : No deductible

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.

Deductible : No deductible

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.

Deductible : No deductible

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.

Deductible : No deductible

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.

Deductible : No deductible

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

Deductible : No deductible

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.

Deductible : No deductible

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

Deductible : No deductible

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

Deductible : No deductible

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?

Report an error Send updated PDF

Coverage Radar

Where the CIBC Aeroplan Visa Infinite wins, where it loses

Coverage snapshot for this tab — click any layer to highlight its scores.

Compare

Aeroplan Visa InfiniteThis card4.1/5?

$139/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

$150 avg. annual fee

Click 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 · $139/yr 4.1/5?	Aventura Visa Infinite CIBC · $139/yr 4.0/5?	WestJet World Elite Mastercard RBC · $139/yr 4.1/5?	Aeroplan Reserve American Express · $599/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	$1,500 per person Charged to card or WestJet dollars	$1,500 / person Covered reasons apply
Emergency medical Hospital bills abroad	$5,000,000 15 days, 3 days at 65+	$5,000,000 Direct payment arranged	Unlimited No dollar ceiling	$5,000,000 Age 64 or under only
Emergency evacuation Air ambulance + repatriation	Within $5M medical Within emergency medical	Within $5M medical Air ambulance arranged	Within medical Air ambulance pre-authorized	Within $5M medical Within emergency medical
Trip delay trigger Hours before benefits kick in	4h / $500 4-hour trigger	4h / $500 4-hour delay threshold	4h / $500 $250 per day	4h / $1,000 agg 4-hour trigger
Rental CDW Primary or secondary	Primary / $85,000 Primary CDW	Primary / $85,000 MSRP Primary coverage	Primary / actual cash value Primary coverage	Primary / $85,000 Primary CDW

StrongLimited / misleadingNot covered

Data verified against each card's Guide to Benefits, May 2026.

r/PersonalFinanceCanada

August 2025

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.

Milesopedia comment

February 2025

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.

r/CreditCardsCanada

November 2024

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.

creditcardGenius review

October 2024

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.

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

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.

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.

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.

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.

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.