RBC Avion Visa Infinite benefits: which travel insurance protections actually pay out?

Trip Cancellation reimburses the non-refundable portion of prepaid travel you cancel before departure for one of 13 covered reasons, up to $1,500 per covered person and $5,000 per account. An additional cardholder and a dependent child aged 16 to 25 travelling alone each get the same $1,500 limit. The full trip must be paid with the card or Avion points. Underwritten by RBC Insurance Company of Canada.

Out of Province/Country Emergency Medical pays an unlimited amount, in excess of your provincial health plan, for a sudden emergency abroad. It covers the first 15 consecutive days of a trip if you are under 65, and only the first 3 consecutive days if you are 65 or older. A paid top-up extends the window. You must call Allianz Global Assistance before treatment, or you pay 20% of your costs up to $25,000 if you use a non-approved provider.

Emergency evacuation and repatriation are covered within the unlimited Emergency Medical benefit, not as a separate capped benefit. Allianz Global Assistance arranges and pays for an air ambulance, a stretcher fare, or a medical escort to the nearest appropriate facility, then your return home once you are stable. Return of a deceased person and transportation to your bedside for one companion are also covered. You must call before any evacuation is arranged.

Trip Interruption reimburses the non-refundable unused portion of prepaid travel, plus extra transportation to catch up or return home, when a covered reason interrupts your trip after departure. The limit is $5,000 per covered person and $25,000 per account, across the same 13 covered reasons as cancellation. Extra transportation is paid as one-way economy fare by the most cost-effective route.

Flight Delay reimburses reasonable expenses when a missed connection, a delayed departure, or denied boarding holds you up 4 or more hours. It pays $250 per covered person, up to $500 total per occurrence for all covered persons. Covered costs include meals, accommodation, local transportation, and essential sundry items.

Missed Connection is one of the triggers under Flight Delay. When your inbound flight arrives late and you miss a confirmed onward connection with no alternative offered, the benefit reimburses meals, accommodation, and local transportation. It shares the same $250 per person and $500 per occurrence limit as the flight delay and denied boarding triggers.

Early return home is delivered through the Trip Interruption benefit rather than as a separate line. When a covered reason cuts your trip short, RBC Insurance covers one-way economy fare to your departure point by the most cost-effective route, within the $5,000 per person and $25,000 per account interruption limit. A medically necessary return is coordinated by Allianz Global Assistance.

Delayed Baggage reimburses emergency purchases of essential clothing and toiletries when your checked baggage is lost or delayed 4 or more hours after you arrive. It pays up to $500 per covered person, with a maximum of $2,500 per occurrence for all covered persons. Keep the airline report and your receipts to claim.

No lost or stolen baggage coverage. This card covers delayed baggage only, not the permanent loss or theft of your checked or carry-on bags. The full value of lost or stolen luggage and its contents is the cardholder's responsibility.

Travel Accident Insurance pays up to $500,000 for accidental death or major dismemberment while you travel on a common carrier such as a plane, train, bus, or boat, when the fare is charged to the card or Avion points. Lower scheduled amounts apply to the loss of a single limb or sight. The loss must occur within 365 days of the accident. Underwritten by RBC Insurance Company of Canada.

Hotel/Motel Burglary pays up to $2,500 per occurrence for personal property stolen from your hotel or motel room or cruise cabin through forced entry, with visible signs of force. It is excess coverage, so other applicable insurance pays first. A police report and proof you were a registered guest are required.