Premium Protection for Aeroplan Cardholders
The CIBC Aeroplan Visa Infinite Card—the modern successor to the legacy CIBC Aerogold Visa—remains a top-tier choice for Canadian travellers. This card offers a comprehensive suite of insurance protections designed to mitigate the financial risks associated with international and domestic travel. Managed by the Canadian Imperial Bank of Commerce and underwritten by Royal & Sun Alliance (RSA), these benefits provide a critical safety net, ensuring that unexpected medical emergencies or trip disruptions do not derail your financial goals.
The CIBC Aeroplan Visa Infinite stands out for its high-limit emergency medical coverage and specialized Air Canada perks. Whether you are navigating a flight delay at Pearson International or require medical assistance in Europe, the insurance package is engineered for rapid response. To ensure coverage is active, cardholders must adhere to specific "qualifying purchase" rules, typically requiring that travel arrangements or common carrier tickets be charged directly to the card account. Understanding these nuances is essential for maximizing the value of your premium membership.
CIBC Aeroplan Visa Infinite Insurance Summary
| Category | Details and Coverage Limits |
|---|---|
| Emergency Travel Medical | Up to $5,000,000 (15 days for age 64 and under; 3 days for 65+) |
| Trip Cancellation | Up to $1,500 per insured person (Maximum $5,000 per trip) |
| Trip Interruption/Delay | Up to $2,000 per insured person |
| Flight Delay | Up to $500 (For delays exceeding 4 hours) |
| Baggage Insurance | Up to $500 for lost, damaged, or delayed items |
| Auto Rental Collision/Loss | Covers vehicles with MSRP up to $65,000 (up to 48 days) |
Step-by-Step Guide: How to Access and Manage Coverage
To verify your insurance status or download the latest Certificate of Insurance from the Canadian Imperial Bank of Commerce, follow this exact sequence:
- Sign on to CIBC Online Banking or the CIBC Mobile Banking App using your Customer ID.
- Select your CIBC Aeroplan Visa Infinite card from the account dashboard.
- Navigate to the Benefits & Insurance tab (often located under "Manage My Card").
- Select Insurance & Coverage to view the digital repository of your policy documents.
- For claims, visit the RSA Claims Portal at cibccentre.rsagroup.ca or call 1-866-363-3338.
- Ensure you have your Statement of Account ready to prove the travel purchase was made on your card.
Troubleshooting Travel Insurance Access Issues
- MFA Receipt Errors: If you are abroad and the Multi-Factor Authentication (MFA) code for login is not arriving, ensure your roaming is active or request the code via an automated voice call to your registered number.
- RSA Portal Errors: If the claims portal (cibccentre.rsagroup.ca) hangs during document upload, clear your browser cache or switch to an Incognito window. High-resolution photos of receipts should be converted to PDF to avoid session timeouts.
- Locked Digital ID: If your profile is locked after multiple failed password attempts while you are in a different time zone, call the International Collect number at 1-416-980-2257 for manual identity verification.
Pro-Tip: When booking a flight using Aeroplan points, your Trip Cancellation and Medical insurance remain active as long as you charge the Full Taxes and Fees of the ticket to your CIBC Aeroplan Visa Infinite card. Never use a different card for the fees, or you may void your coverage.
Claims Efficiency Hack
To ensure the fastest reimbursement, use the RSA Digital Claims Portal to "Time-Stamp" your event immediately. Even if you don't have all your receipts ready, opening a claim number at cibccentre.rsagroup.ca within 48 hours of the incident prevents a denial based on "Late Notification." You can then log back in at your convenience to upload the Physician's Statement or airline Delay Report as they become available.
Frequently Asked Questions
Does CIBC Aerogold insurance cover my spouse?
Yes. Your spouse and dependent children are typically covered under the Emergency Medical, Trip Cancellation, and Common Carrier Accident portions of the insurance, provided their travel was also charged to your eligible CIBC card.
What is the phone number for CIBC travel insurance claims?
From Canada and the U.S., call 1-866-363-3338. If calling from abroad, call collect to 905-403-3338. These lines are monitored 24/7 for emergency assistance.
