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Traveling beyond your province or territory protect yourself with travel insurance 9 ..

When your travels take you far from home in Canada, even a minor accident or sickness can become a major expense and a costly inconvenience—especially since the coverage you have may not fully protect you, whether that’s your provincial health plan, protection offered through your credit card or coverage through your employer. 

Your Government Health Insurance Plan (GHIP) typically covers only a limited portion of your medical expenses once you leave the country and your province. For example, a four-day stay in a U.S. hospital for an appendectomy could cost $39,400 (USD), with only $1,600 (CAD) covered by your GHIP. And a one-day stay in a U.S. hospital for a broken arm could cost $32,600 (USD), with only $400 (CAD) covered by your GHIP. 

Coverage offered through your credit card 9 and employer, while valuable, may only cover specific scenarios and not offer the comprehensive protection you will want while you’re away from home.

Travel insurance can cover your entire family for the duration of your trip, and family pricing is generally available to help you save on the coverage you need. If you travel regularly, a multi-trip annual travel insurance plan that can offer protection for a full year, regardless of the number of times you travel, is a smart option to consider.

RBC Insurance – Travel Insurance that offers more coverage in more places ™ RBC Insurance offers the travel coverage you need, as well as 24/7 access to a caring team of medical professionals – no matter how big or small your emergency. Here are some of the reasons we recommend RBC Insurance to our clients:

• 24/7 worldwide emergency travel assistance through a toll-free emergency help line
• Multilingual assistance from caring professionals – ready to help you wherever you are in the world
• Best in class claims service, with knowledgeable claims and service advisors available to you
• Registered nurses and consulting physicians available 24/7

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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.

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HelloSafe » Travel Insurance » RBC

Is RBC travel insurance the best in 2024?

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Information verified by   Alexandre Desoutter

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.

Save up to 25% on your travel insurance with our partner soNomad

Get a quote

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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.

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Travel Insurance

More coverage in more places ®.

Get out there and enjoy yourself knowing you have the right coverage and 24/7 access to a caring team who’s always on call—no matter how big or how small the emergency.

More Coverage In More Places™

• Coverage Types
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Explore Your Coverage Options

Travel packages.

Coverage for the widest range of unexpected travel situations.

Travel Medical

Coverage to fill the gap left by my provincial health insurance.

Cancellation & Interruption

Coverage for non-refundable and/or non-transferable trip expenses if my trip is cancelled or interrupted.

Visitors to Canada

When visiting, immigrating to or studying in Canada and need emergency medical coverage.

Travel Insurance Advice by Trip Type

Choose from the topics below for some quick advice on the type of coverage that may be right for you:

Travel Insurance FAQs

Have a question about travel insurance? Get the answers you need here.

For questions about travel and COVID-19, please visit the COVID-19 page.

• Eligibility
• Emergencies

Our goal is to make affordable travel insurance coverage available to as many Canadians as possible. In general, any Canadian resident can purchase some form of coverage with us. Factors such as where you are travelling, your health and the length of your trip may affect the specific coverage(s) available to you.

Note : Non-residents travelling to Canada, immigrants to Canada or foreign students studying in Canada may be eligible to purchase one of our Visitors to Canada Plans.

Generally speaking, no. While your age can affect your eligibility for certain coverages, we have packages and plans that cover all age groups. If you are age 65 or older, we may ask you to answer a few questions about your health to make sure you have the most appropriate coverage.

Yes, you may purchase a policy for your parents. Simply call us at 1-866-896-8172 , buy online , or visit an RBC Insurance Store . Depending on their age, they may be required to complete health questions in order to obtain coverage. If this is not a requirement, please keep in mind that all terms and conditions apply to your parents, therefore we recommend that you review the insurance with them prior to purchase.

Possibly. Depending on your age, medical condition and, if applicable, your answers to our health questions, pre-existing medical conditions are covered if they are stable for a certain time period (as specified in your policy) before your policy's effective date.

Note: Please refer to the policy document for complete coverage details regarding pre-existing conditions.

Your answers to the health questions (if applicable) will be used to help determine the benefits you are eligible to receive under your insurance policy.

When answering the health questions:

• Take your time. The questions may take up to 10 minutes to complete.
• You (the applicant) should complete and sign the Medical Questionnaire. (If you have someone else complete the Medical Questionnaire on your behalf, it is still your responsibility to make sure the answers to the questions are correct.)
• Read and answer each question carefully and accurately. Review your answers to confirm they are correct. Incorrect answers may lead to your coverage being voided or your claim denied.
• Have your prescriptions or a description of your medications nearby for reference.
• If you are unsure about any questions regarding your medical condition or medications, please speak to your physician.

If necessary, a family member or close friend can complete the questions on your behalf. Please keep in mind, however, that it is still your responsibility to sign the form and make sure the answers are correct.

Yes, it is recommended that you buy coverage for your spouse as well.

This answer depends largely on your child's age.

• If your child is under 2 years old and you are purchasing the Deluxe Package or a TravelCare ® Package, then your child receives emergency medical coverage at no extra cost.
• If your child is 2 or older , you'll need to purchase emergency medical coverage for him or her.
• No matter how old your child is , if you've purchased an airline ticket or made a separate trip deposit for him or her, consider buying a travel insurance package or trip cancellation and interruption insurance .

The right coverage for your trip depends on several factors, including (but not limited to) where you're travelling to, how long you’ll be gone, the kind of transportation you'll be using and, in some instances, your overall health. View all of our travel insurance products now.

An accident, illness or medical emergency can happen anywhere, anytime. If you need medical care or treatment in another country, your government health plan may cover only a portion of the costs. Travel insurance starts where these plans leave off.

Plus, with our emergency medical coverage, you have access to the multilingual representatives of Allianz Global Assistance.

Yes, if you are travelling outside your home province or territory. There are several reasons why it's important to get travel medical insurance when you're travelling within Canada. One reason is that accidents can happen anywhere. Another is that government health insurance plans do have limits on reimbursement of emergency medical expenses incurred while you are in another province. For example, the ambulance, emergency dental treatment and prescription drugs might not be covered by some government health insurance plans.

You may extend your coverage if you extend your trip, subject to certain conditions of your policy.

If you've purchased a single trip plan, the following conditions apply:

• If you have not had a medical condition during your trip or while covered under your policy, you can request an extension by contacting us at 1-866-896-8172 before your original policy’s expiry date.
• If you have had a medical condition during your trip and while covered under your policy, you must request the extension by contacting Allianz Global Assistance before the expiry date of your original policy. Your extension is subject to the approval of Allianz Global Assistance.
• You must pay the required additional premium before your original policy’s expiry date.
• If we are unable to extend your particular policy's coverage due to the trip duration limits of your policy, you may be able to purchase a new policy from us.

If you've purchased a multi-trip annual plan, the following conditions apply:

You may purchase a top-up policy for the additional number of days beyond the duration covered by your multi-trip annual plan as follows:

• Before your effective date, you may contact us at 1-866-896-8172 to purchase top-up coverage.
• After your effective date and if you have not had a medical condition during your trip, you must contact us at 1-866-896-8172 before your original policy’s expiry date to purchase top-up coverage.
• After your effective date and if you have had a medical condition during your trip, you must contact Allianz Global Assistance before your original policy’s expiry date to request approval for and to purchase top-up coverage.
• The terms, conditions and exclusions of the new top-up policy apply to you.
• You must pay the required top-up premium on or before the effective date of the top-up period.

If you do NOT top-up your coverage for a trip, you will not be covered for any claims you make outside the period of insurance for that trip. If the top-up policy you are purchasing requires you to complete health questions, you must complete the health questions.

Please see the policy documents for complete coverage details regarding trip extensions.

It may, but not always. We recommend that you carefully review the travel insurance coverage provided by your credit card, as well as any special conditions or stipulations.

Do you have an RBC Royal Bank ® credit card?

To review the travel insurance coverage that comes with your RBC Royal Bank credit card, visit: www.rbcroyalbank.com/cards/documentation/index.html and click the "Insurance Certificate" link for your card.

We recommend that you carefully review your government health plan coverage. Government plans may not cover all emergency medical expenses once you leave your home province/territory and typically cover only a limited portion once you leave the country. In fact, the Canadian Government (Foreign Affairs, Trade and Development Canada) urges Canadians to purchase supplemental health insurance when leaving the country. They say:

Do not rely on your provincial or territorial health plan to cover costs if you get sick or are injured while abroad. Out-of-country health care can be costly, and your health plan may not cover any medical expenses abroad. It is your responsibility to seek information from your provincial or territorial health authority and to obtain supplementary travel insurance and understand the terms of your policy. 2

Plus, government health insurance plans don't guarantee coverage for special care (air ambulance or emergency dental services, for instance).

Unlike government health insurance plans, our insurance offers you:

• Unlimited coverage for eligible medical expenses 1
• Up-front payment of eligible medical expenses whenever possible
• 24-hour, multilingual emergency medical assistance—one toll-free phone call puts you in touch with a multilingual professional who will refer you to a local doctor or facility in order for you to receive the care you need

Government health insurance plans also don't provide coverage for situations such as lost, damaged or delayed baggage or trip cancellation and interruption. Our travel insurance can provide these coverages and more.

Yes, you do need travel insurance to protect yourself against the unexpected, even if you are going to the United States for a few days. An illness or accident can happen at any time, whether you're on the road for a few days, or a few months. And remember, the cost of health care is very expensive in the United States and very little of this cost would be covered by your government health insurance plan, credit card or company benefits plan. For a short trip, the cost of travel insurance is minimal, and it gives you the protection you need.

If you purchase trip cancellation and interruption insurance, it will help pay for your expenses to return home in the event of a covered emergency. There are a number of circumstances that qualify as an emergency (for example, the death or serious illness of a family member). The cost of cancelling a trip prior to departure can be very expensive, as most trips are non-refundable and/or non-transferable, especially if you have to cancel just before leaving on your trip. Having to return early from a trip can also be very expensive. Either way, trip cancellation and interruption insurance is very important to protect your travel investment.

You must purchase coverage before departing on your trip. You may benefit from purchasing coverage as soon as you make your initial trip deposit, especially if you are purchasing trip cancellation and interruption insurance —either as stand-alone coverage or as part of one of our insurance packages .

If you were to book your trip 6 months in advance, consider the unexpected situations that could occur in that time.

If you purchase travel insurance from RBC Insurance, we will pay the eligible bills directly to the hospital or physician whenever possible.

There are a number of sports that are not covered during your trip. For more details, see the Exclusions section of the individual policy document.

You may purchase a top-up policy for the extra number of days beyond the duration covered by your multi-trip annual plan. Here are the conditions:

• After your effective date and if you have had a medical condition during your trip, you must contact Allianz Global Assistance before your original policy’s expiry date to request approval for and purchase top-up coverage.

Please see the policy document for complete coverage details regarding top-up coverage.

If you purchase one of our travel medical insurance plans—either Classic Medical or TravelCare ® Medical—you can, subject to certain conditions:

• If you are travelling for more than 183 days, you may purchase single trip coverage for up to 365 days provided that you are covered under your government health plan for the full duration of your trip.
• If you are 40-74 years of age , you must also answer a few health questions, which will determine whether you are eligible to purchase coverage for trips beyond 183 days.

Yes, if you are travelling with your spouse/partner and children or other family members, you could save money with our family plan pricing.

The cost of a trip can be a significant financial investment. A lot can also happen in the time between booking your trip and departing—if a medical emergency or other unexpected event prevents you from going on your trip, you could potentially lose some (or possibly all) of the money you paid.

With trip cancellation and interruption insurance, you're protected when certain situations prevent you from travelling as planned. Examples include:

• You can't travel due to an illness, job loss or immediate family member's medical emergency
• You need to return home earlier than scheduled because of a family emergency or medical condition

Note : We strongly recommend that you purchase trip cancellation and interruption insurance at the time you pay your initial travel deposit. Please see the policy document for complete coverage details, including terms and conditions.

Yes! Tell them about our Visitors to Canada Plans , which offer affordable emergency medical protection to visitors, immigrants, foreign students and Canadians without government health plan coverage.

We strongly recommend you do. Your insurance policy is a valuable source of information and contains provisions that may limit or exclude coverage. Please read it before you go, keep it in a safe place and carry it with you when you travel.

RBC Insurance has appointed AZGA Service Canada Inc. (operating as “Allianz Global Assistance”) as the provider of all assistance and claims.

Whether you have a new claim or questions about an existing claim, representatives will work with you to make things as easy as possible. Visit the Travel Insurance Claims page for more details about how to submit a claim.

It's our goal to settle every claim as quickly as possible. While every claim is different, there are things you can do to speed things up:

• If you require emergency care on your trip , call our emergency contact number immediately, or at the earliest possible opportunity (someone else can call if you're unable to). If you do not, your coverage may be limited and your benefits could be reduced.
• If you need to cancel your trip prior to departing , call your travel agency, airline, tour company or the carrier immediately to cancel your trip no later than one business day after the cause of cancellation. Call Allianz Global Assistance the same day.
• For all claims , carefully read the instructions for submitting your claim. Make sure you fully complete any required claims forms and submit all required documentation at your earliest possible convenience. For example, you may need to provide information on your past health history if you are submitting an emergency medical claim or a trip cancellation claim due to a medical condition.

The documentation you need to provide will depend on the type of claim, the type of plan you purchased and the province/territory in which you live. Visit the Travel Insurance Claims page for more details about how to submit a claim.

No matter where in the world you are, we’ll be here for you. If you have an emergency, you can call Allianz Global Assistance toll-free 24 hours a day, 7 days a week at 1-855-947-1581 from the U.S. and Canada or (905) 816-2561 collect from anywhere in the world . Or as an alternative, you can email Allianz Global Assistance at: [email protected] . Disclaimer 3

The multilingual representatives of Allianz Global Assistance are ready 24 hours a day, seven days a week when you have a medical emergency. You can rely on them to refer you or (when medically appropriate) transfer you to one of the accredited medical service providers within the Allianz Global Assistance network, so you can receive the care you need as quickly as possible.

Because the representatives are multilingual and have 24-hour access to real-time translation services, they can provide the help you need in your own language—and also have someone to communicate on your behalf with medical personnel who may speak a different language.

Whenever possible, Allianz Global Assistance will also request for the medical service provider within the network to bill the covered medical expenses directly to us instead of you—reducing stress and hassle.

Yes, as soon as medically possible. There are several reasons to call the emergency contact number first:

The multilingual representatives of Allianz Global Assistance are experienced experts in coordinating emergency care for travellers in foreign lands.

They're available 24 hours a day, seven days a week.

If you don't call Allianz Global Assistance first, your benefits may be reduced and your coverage may be limited. As stated in your policy, if you do not contact Allianz Global Assistance at the time of your medical emergency or you choose to receive treatment from a medical service provider outside the Allianz Global Assistance network, you will be responsible for 30% of your medical expenses covered under your insurance and in excess of your medical expenses paid by your government health plan.

You can call Allianz Global Assistance toll-free 24 hours a day, 7 days a week at 1-855-947-1581 from the U.S. and Canada or (905) 816-2561 collect from anywhere in the world.

Of course, obtaining urgent care in an emergency is your #1 priority—and our representatives are here to help at our toll-free emergency contact number. However, if your medical condition Opens in new window prevents you from calling before seeking emergency treatment, then you must call as soon as medically possible.

Someone else (a family member, friend, hospital or physician's office staff, etc.) may call on your behalf–so it's a very good idea to carry your RBC Insurance travel insurance wallet card with you at all times.

They may call Allianz Global Assistance toll-free 24 hours a day, 7 days a week at 1-855-947-1581 from the U.S. and Canada or (905) 816-2561 collect from anywhere in the world.

Or as an alternative, they can email3 Allianz Global Assistance at: [email protected] .

We will pay your eligible medical bills directly to the medical provider or hospital for you whenever possible.

Travel together. Save together.

Travelling with a group of 10 or more? Save with a group discount and enjoy all the benefits of RBC ® Travel Insurance.

Reasons to Love RBC Travel Insurance

Coverage available for all ages.

If you are travelling with your spouse/partner and children or other family members, you could save money with our family plan pricing.

Simplified Medical Questionnaire

Age 65 or over? Buying travel insurance is faster than ever – no long, complicated medical questionnaires.

Variety of Coverages

Whether you’re going on an overseas adventure, or a quick jaunt to another province or state for the weekend, a variety of packages and plans are available to cover your travels.

24/7 Worldwide Emergency Medical Assistance

Experienced staff at the 24/7 assistance centre will provide:

• Caring, multilingual support
• Help finding local medical care
• Access to emergency air ambulances
• Access to expert medical professionals who will monitor your care
• Help with transportation to the nearest medical facility

For emergency medical and travel assistance

• See Emergency Contact Details

For questions about travel insurance or claims

• Speak to a Travel Advisor at 1-888-896-8172
• Get a Quote

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Sign In to Avion Rewards

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If you have a personal credit card or deposit account, you need to enrol in RBC Online Banking to enjoy Avion Rewards. It’s easy and secure.

Avion Rewards FAQs

• General FAQ
• Shop/Offers
• How it works
• Avion Select

Avion Rewards – General FAQ

For RBC Royal Bank credit card customer service, please send us an e-mail or call 1-800-769-2512 . If you are a commercial cardholder, please call 1-888-769-2534 .

If you are a business or commercial credit card client you will be asked for an Identification Word (known only to you). This is your password to access your Avion Rewards account.

You may have already selected an Identification Word on your RBC Royal Bank credit card application. If not, you can select one by calling 1-800-769-2512 . If you are a commercial cardholder, please call 1-888-769-2534 .

Please visit the Avion Rewards Eligibility page to see the list of eligible products.

As a client with an RBC Commercial Avion Visa card, you are able to access Avion Rewards and earn Avion points. However, at this time, you will not be assigned to either the Avion Premium or Avion Elite membership level .

As an RBC Commercial Avion Visa cardholder, you will continue to be able to:

• Earn Avion points when you make purchases with your card
• Choose how you want your Avion points allocated - roll up points to the company, roll-up to one person or keep the points with each individual cardholders.
• Redeem or convert Avion points to use as you wish – redeem points for travel, merchandise and gift cards or convert your points to points, miles or other “partner rewards” offered through partners’ loyalty programs that we designate from time to time for this purpose.
• Access The Avion Collection - From the golf green, to the red carpet, to dining & entertainment, you can unlock access to this ever-growing catalogue of exclusive experiences and benefits.

If you have one of these credit card products plus an Avion Rewards eligible product , you will have access to the Avion Rewards program.

If you only have one of these credit cards and do not have an Avion Rewards eligible product, you will not have access to the Avion Rewards program. However, you will be able to access Offers through the RBC Mobile app and RBC Online Banking.

Yes, if you hold an RBC Bank credit card in the U.S., you’re able to participate in the U.S. Avion Rewards program. If you also have a Canadian Avion Rewards account, you’re able to transfer the points you earn with your RBC Bank credit cards to your Canadian Avion account.

When transferring points from your U.S. to your Canadian Avion Rewards account, points are converted at a 1:1 ratio – meaning one U.S. Avion point is equal to one Canadian Avion point. Once points are transferred, they will be governed by the Avion Rewards Terms and Conditions at Royal Bank of Canada. For complete terms, conditions and restrictions that apply to the U.S. Avion Rewards program, please visit www.rbcbankrewards.com or call 1-888-257-6837 .

There are several ways to earn Avion points. Depending on the product you hold, you can earn points on:

I. Net purchases made with an eligible points-earning credit card , or when you make debit purchases with an eligible RBC personal deposit account that is enrolled in the Value Program.

II. Additional / bonus points earning opportunities and/or offers available from merchants, retailers or service providers from time to time

III. RBC Group Advantage members can also enjoy more ways to earn, save and be rewarded with Avion points through exclusive offers. Learn more (RBC Group Advantage, opens new window) .

The following RBC Royal Bank credit cards earn Avion points on net purchases and are points-earning credit cards:

• RBC Avion Visa Infinite Privilege
• RBC Avion Visa Infinite Privilege for Private Banking
• RBC Avion Visa Infinite
• RBC Avion Visa Platinum
• RBC ION Visa
• RBC ION+ Visa
• RBC Rewards Visa Preferred
• RBC Visa Gold Preferred
• RBC Visa Platinum Preferred
• Signature RBC Rewards Visa
• RBC Rewards Visa Gold
• RBC Rewards+ Visa
• RBC U.S. Dollar Visa Gold
• RBC Visa Classic II
• RBC Visa Classic II Student
• RBC Mike Weir Visa
• RBC Avion Visa Business
• RBC Avion Visa Infinite Business
• RBC Royal Bank Visa CreditLine for Small Business
• RBC Commercial Avion Visa

You will be able to access Avion Rewards by signing into avionrewards.com or the Avion Rewards app and accept the Avion Rewards Terms & Conditions.

Thereafter, you will be assigned an Avion Rewards Core Account where you will be able to earn Avion points on eligible offers, as well as discounts and cash back from merchants through the Avion Rewards ShopPlus browser extension.

Note: The Avion Rewards ShopPlus browser extension is only available on mobile and through Safari on iOS.

Eligible personal RBC clients without an eligible points-earning credit card and/or an eligible personal deposit account that is enrolled in the Value Program are able to access Avion Rewards and will be given an Avion Rewards Core Account upon enrollment into the Avion Rewards Program.

If you have one of the following products you will be assigned to an Avion Rewards Core Account:

The following RBC Personal Deposit Accounts that have not been enrolled in the Value Program :

• RBC Advantage Banking, RBC Day to Day Banking, RBC No Limit Banking, RBC No Limit Banking for Students, RBC Signature No Limit Banking, RBC Student Banking, RBC VIP Banking, U.S. Personal and RateLink Essential.

The following RBC Personal Credit Cards:

• RBC Cash Back Mastercard, RBC Visa Cash Back, RBC Cash Back Preferred World Elite Mastercard, RBC Visa Classic Low Rate Option, RBC RateAdvantage Visa, RBC Visa Platinum.

The following RBC Personal Investment Products:

• Life Income Fund (LIF), Registered Disability Savings Plan (RDSP), Registered Education Savings Plan (RESP), Registered Retirement Income Fund (RRIF), Registered Retirement Savings Plan (RSP), Canadian Market-Linked GIC, Income Builder GIC, Non-Redeemable GIC, One-Year Cashable GIC, Prime-Linked Cashable GIC, RateAdvantage GIC, RBC Canadian Banking MarketSmart GIC, RBC Canadian Utilities MarketSmart GIC, RBC ESG Market-Linked GIC, RBC North American MarketSmart GIC, RBC US MarketSmart GIC, Redeemable GIC, US Dollar Term Deposit.

The following RBC Installment Loans, Lines of Credit and Home Equity Financing:

• Government Sponsored Student Loan, Personal Instalment Loans, RBC Employee Student Loan, RBC Energy Saver Loan, RSP Loan, Royal Credit Line, Royal Credit Line for General Program, Royal Credit line for Professional in Medical & Dental Studies, Royal Credit Line for Professional Studies (i.e. MBA/EMA, Law, Masters of Accounting, Master of Finance, Master of Science in Business Mgmt), Royal Credit Line for Special Programs, Royal Credit Line for Students – Students Studying Abroad, Adjustable Rate Mortage (ARM), Construction Mortgage, Fixed Rate Mortgage, Investment Properties Mortgage, Low Down Payment Mortgage, Manufactured Home Construction Mortgages, Ratecapper Mortgage, RBC Homeline Plan, Reverse Mortgage, Variable Rate Mortgage.

Avion Rewards members with an Avion Rewards Core Accounts do not earn Avion points on every purchase, however you are able to earn Avion points, cash back and discounts from offers depending on the products you hold.

Avion Rewards Core Accounts with a transacting product (eligible RBC personal debit or credit cards) , can:

• Earn Avion points and cash back through offers
• Earn Avion points from welcome bonus when acquiring a new eligible RBC product
• Save with cash back and discounts from partner retailers through the Avion Rewards ShopPlus browser extension

Avion Rewards Core Accounts without a transacting product (for example RBC Installment Loans, Lines of Credit and Home Equity Financing Products, Investments ) can:

For more information on RBC products that are eligible for the Avion Rewards Core Product Account, please visit the Avion Rewards Terms and Conditions .

The following RBC personal deposit accounts are eligible to be enrolled in the Value Program :

• RBC Day to Day Banking
• RBC Advantage Banking (includes RBC Advantage Banking for students)
• RBC Signature No Limit Banking
• RBC VIP Banking
• RBC No Limit Banking (discontinued)
• RBC Student Banking (discontinued)
• RBC No Limit Banking for Students (discontinued)
• RBC Day to Day Savings
• RBC Enhanced Savings
• RBC High Interest eSavings

Learn more about the Value Program or explore accounts now.

If you are opening a new account, you can enroll it in the Value Program at the same time you open the account. If you open an account online, simply enroll in the Value Program when you are invited to do so. If you already have an eligible account, an RBC advisor can enroll your account in the Value Program for you. Please book an appointment, call 1-800-769-2511 or visit a branch .

Yes, the points earn rate may differ for each account if you have multiple accounts enrolled in the Value Program. This is because each account will be assessed individually to evaluate the number of eligible product categories you have associated with each account, which determines the rate at which your account(s) earn Avion points.

For example, if you have two personal deposit accounts enrolled in the Value Program and 5 eligible product categories:

• One account would have 3 product categories, which means you would earn 1 Avion point for every $3 spent on debit in-store and online using the enrolled account.
• The second account would have the remaining 2 product categories, which means you would earn 1 Avion point for every $5 spent on debit in-store and online using the enrolled account.

No. To access your banking accounts online, please sign in to RBC Online Banking .

There are several ways to find out how many Avion points you have:

• Sign in to RBC Online Banking. From the Account Summary page select "Go to Avion Rewards" within the Avion Rewards section.
• If you are an RBC Royal Bank credit cardholder, check your monthly credit card statement to see how many Avion points you have available to redeem.
• If you are an eligible Personal Banking client, view your Avion points in your Vantage Snapshot within the RBC Mobile App. a) Sign in to the RBC Mobile app. b) Tap More. c) Tap Vantage Snapshot. Your points will be listed under Available Points Balance.
• View your Avion points by signing in to avionrewards.com or on the Avion Rewards app. 5 a) Sign-in to avionrewards.com or the Avion Rewards app. b) After signing in, you will see your points balance on the Home page. c) Click on the "Rewards Activity" to see your points activity.

Note: Only primary and co-applicant credit card holders have access to sign in to view their points.

To redeem your points, sign into Avion Rewards online or through the app, then select either “Travel “or “Redeem” in the nav bar or menu.

Go here to use your points for flights, hotels, vacation packages, car rentals and more.

Go here to use your points for anything other than travel, including:

Merchandise and gift cards in the Avion Rewards catalogue,

Donations to charity,

RBC Financial Rewards,

Convert points to partner loyalty programs,

Pay with points

Currently, Avion Select members can only redeem for travel, merchandise, gift cards and charity donations. More options coming soon. Not all rewards options are available to all members. Check eligibility, here

Exclusive offers and travel advantages are available to all RBC Avion Visa Infinite and RBC Avion Visa Infinite Privilege cardholders. Click below to learn more about these additional benefits:

Pending Points are the approximate amount of points you’ve earned since your last credit card statement.

They’ll become Available Points with your credit card next statement provided that the transactions they are based on haven’t since been cancelled or returned.

Pending Points will not reflect the following:

• Bonus points that may be applied to a transaction
• Transactions from a business roll-up account

You’ll be able to spend Pending Points once they become Available Points with your next credit card statement provided that the transactions they are based on are completed and have not been subsequently cancelled or returned.

If you are an RBC Avion Visa Infinite Business, RBC Avion Visa Business or RBC Commercial Avion Visa applicant. points roll-up allows you to combine the Avion points earned on all your employees' Avion Visa Infinite Business/Avion Visa Business/ Commercial Avion Visa cards into one account, and pool your points between your business and personal Avion cards

No, Avion points do not expire. Avion points are yours to use as long as your Avion Rewards eligible account remains open and in good standing. However, your points will be forfeited twelve (12) months after (i) you voluntarily close your account or (ii) RBC closes your account for any reason other than for cause.

Avion Rewards – Travel

Travel bookings must be booked through the Avion Rewards travel booking platform. To do this, sign in to Avion Rewards online or log into the app, and select Travel in the menu.

Avion Premium and Elite members can also call Avion Rewards Travel to book.

1-877-636-2870 , Monday to Friday 7:00 a.m. to 12:00 a.m. EST, or Saturday & Sunday 7:00 a.m. to 9:00 p.m. EST. If you are a commercial cardholder, please call 1-888-773-7057 .

Note: For travel bookings by phone, a $30 booking fee will be charged per ticket or per hotel booking.

You can enjoy flexibility and benefits when converting your Avion points to points, miles or other "partner rewards" offered through partners’ loyalty programs that we designate from time to time for this purpose.

Avion Rewards members can convert their points to WestJet dollars, which can then be applied like cash towards WestJet marketed and operated flights and WestJet Vacations packages, at any time, for travel to any of WestJet’s destinations in North America, Mexico, Hawaii, Europe and the Caribbean - even during seat sales! 100 Avion Rewards points converted equals 1 WestJet dollar.

Only RBC Avion credit card holders can convert their Avion points to Cathay Pacific Asia Miles, British Airways Avios, or American Airlines AAdvantage miles which provides the ability to redeem for business class travel and access to the oneworld alliance partners. Avion points are converted to Asia Miles or Avios at a one-to-one ratio. For every 10 Avion points which are converted, you will receive 7 AAdvantage miles

Points conversion is not available for Avion Select members

This is dependent on the product you hold.

Select RBC Credit cards offer various travel insurances. Find out what insurance your card carries .

If your RBC credit card does not have travel insurance or you want to top-up your insurance, you can purchase insurance for your trip separately.

You should familiarize yourself with change and cancellation policies before you complete your booking. After you book travel through Avion Rewards, you will receive a confirmation email that includes important information about changing or cancelling your travel plans. The chart below outlines any Avion Rewards Travel booking fees or charges that may be applicable if you need to change or cancel your travel plans.

In addition, the travel supplier for your reservation (i.e. airline, tour operator, etc.) may also impose change or cancellation fees. Contact Avion Rewards Travel at 1-877-636-2870 to find out more.

Please contact Avion Rewards Travel at 1-877-636-2870 .

If you are an RBC ION Visa or an RBC ION+ Visa cardholder, you can redeem your Avion points at the rate of 172 Avion points = $1 CAD towards rail travel.

If you have any other travel eligible Avion Rewards product, you can redeem your Avion points at the rate of 100 Avion points = $1 CAD towards rail travel.

Currently, Avion Select members and those with an Avion Rewards Core Account are not eligible to redeem for a trip with Via Rail.

Only RBC Avion credit card holders are eligible to redeem their Avion points for flights on the Air Travel Redemption Schedule .

Clients with one of the following products are RBC Avion credit card holders:

Only RBC Avion credit card holders are eligible to redeem their Avion points for flights on the Air Travel Redemption Schedule . Before booking, you should keep in mind:

• Check the number of points needed for your destination in the Air Travel Redemption Schedule.
• Destinations have a Maximum Ticket Price (All taxes and service fees are separate and are not part of the maximum ticket price). In the event that a ticket costs more than the allowed amount, the additional cost can be charged to your credit card or you can use your Avion points at a rate of 100 points = $1 CAD.

For example:

A flight from Toronto to Vancouver has a Maximum Ticket Price of $750 CAD. If the base fare of the flight you select is $825 CAD, you can charge the excess amount of $75 ($825-$750=$75), (plus taxes and fees) to your credit card or redeem points at a rate of 100 points = $1 CAD (75x100= 7500 points)

If the base ticket price exceeds the Maximum Ticket Price, the additional cost can either be charged to your credit card or you can use any remaining points at a rate of 100 points = $1 CAD to pay for the amount over the maximum ticket price. Terms and Conditions .

A flight from Toronto to Montreal requires 15,000 Avion points and has a Maximum Ticket Price of $350 CAD (all taxes and service fees are separate and are not part of the ticket price.)

The base fare of the flight you select is $400 CAD. This amount exceeds the maximum ticket price ($350 CAD) by $50.

You can either charge the excess amount of $50 (plus taxes and fees) to your credit card, or use any remaining points at a rate of 100 points = $1 CAD (50x100=5 000 points).

For RBC Avion credit card holders who do not want to redeem from the Air Travel Redemption schedule, there is no Maximum Ticket Price for airline tickets.

Yes, you can pay for your booking with a combination of points and credit card.

For ION or ION+ cardholders, Avion Rewards Core Product Accounts and Avion Select members, 172 points = $1 CAD. A minimum of 2,500 points must be redeemed and the remaining balance can be paid with a credit card.

Other Avion Rewards members can redeem travel at a rate of 100 points =$1 CAD. A minimum of 1,000 points must be redeemed and the remaining balance can be paid with a credit card.

RBC Avion Visa cardholders who are redeeming Avion points for flights from the Air Travel Redemption Schedule can use their credit card to pay for taxes and fees and any amount above the Maximum Ticket Price.

RBC Avion Visa cardholders can also purchase additional points to use towards flights on the Air Travel Redemption Schedule and must have at least half of the required points for their booking in order to purchase additional points. The minimum amount of points to purchase is 1,000 and maximum is 15,000, and every 1,000 points costs $40 CAD plus applicable taxes.

Yes. There are three ways to redeem Avion points for first or business class seats.

Select either first class or business class before searching for flights. Then, redeem the required number of Avion points for the destination of your choice, up to the Maximum Ticket Price as indicated in the Air Travel Redemption Schedule. The Maximum Ticket Price excludes any applicable taxes, surcharges and fees. Finally, pay for the price difference between the Maximum Ticket Price and the total price of your first or business class ticket by redeeming your points at the rate of 100 points = $1.00 CAD.

Redeeming for a flight from Toronto to Vancouver from the Air Travel Redemption Schedule requires 35,000 points for a Maximum Ticket Price of $750 CAD. The Maximum Ticket Price excludes any applicable taxes, surcharges and fees. If the cost of the flight you select in business class is $1,000 CAD, you can pay for the price difference of $250 by redeeming 25,000 additional points (100 points = $1 CAD). In total, you would need to redeem 60,000 points.

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 pay for the entire price of a first or business class ticket (including any applicable taxes, surcharges and fees) by redeeming your points at the rate of 100 points = $2.00 CAD.

If a flight from Toronto to Vancouver in first class costs $3,200 CAD (including any applicable taxes, surcharges and fees), you would need to redeem 160,000 Avion points (100 points = $2 CAD)

Convert your Avion points to WestJet dollars or to British Airways Avios, American Airlines AAdvantage Miles or Cathay Pacific Asia Miles. Converting your Avion points gives you the flexibility to redeem for rewards and benefits these programs offer, including for first or business class seats. Once converted, points cannot be transferred or converted back to Avion points.

All travel reservations made over the phone will be subject to a $30 booking fee per ticket or hotel booking.

Avion Rewards members with an Avion Rewards Core Account can't make new bookings over the phone.

Yes. If the airline you have selected provides this service, you may pre-select your seat while booking travel online or after you have completed your redemption

Note: If fees apply, payment for your seat selection is by credit card only.

Children under the age of 2 can be booked online.

Unfortunately, at this time, booking travel to Cuba or Iran is unavailable through the Avion Rewards website, mobile app and the Avion Rewards Travel call centre. If you want to travel to Cuba or Iran, please call 1-800-ROYAL-1- 2.

Avion Rewards – Shop/Offers

Simply put, it’s a great way to ensure you don’t miss a deal, wherever you shop.

Less simply: Avion Rewards ShopPlus is a browser extension you add to your phone and desktop browsers. It searches for cash back deals and exclusive discounts from thousands of retailers and delivers them to you as you shop and search online.

You’ll be amazed at all the places you’ll find a deal.

The Avion Rewards ShopPlus browser extension is available on Mobile for iOS users on the Safari browser, and on a desktop through the Chrome, Safari and Edge browsers.

Once you have activated an offer through the Avion Rewards ShopPlus browser extension and have fulfilled the offer requirements, your cash back will be deposited after the return window for the retailer has passed. Cash is awarded once a month.

• If you have an RBC personal deposit account, your cash back will be deposited into your personal deposit account.
• If you do not have an RBC personal deposit account, you will be provided an Available Cashback Balance, which will be accessible through an Interac e-Transfer.

Please note:

• The ability to action an Interac e-Transfer from your Available Cashback Balance will be made available to you by March 2023.
• Eligible Avion Rewards members must have a balance greater than $15 to action an Interac e-Transfer of their Available Cashback Balance.

The Available Cashback Balance is how Avion Rewards members who do not have an RBC personal deposit account will receive their cash back from offers fulfilled though the Avion Rewards ShopPlus browser extension and Online Offers for you, presented in both the Avion Rewards website and app.

Note: The ability to action an Interac e-Transfer from your Available Cashback Balance will be made available to you by March 2023. Until then, eligible Avion Rewards members can continue earning cash back towards their $15 minimum balance.

The Rewards Activity Cashback tab shows users the cashback earned through Online Offers for You and through offers activated through the Avion Rewards ShopPlus browser extension.

If you have an RBC Cash Back credit card, the cash back you earn on everyday purchases with your credit card will not be reflected here. Please refer to your credit card monthly statement for the cash back earned on everyday purchases.

Once you have activated an offer through the Avion Rewards ShopPlus browser extension and have fulfilled the offer requirements, your cash back will be deposited after the return window for the retailer has passed.

Depending on the merchants return policy, you can expect your cash back in either 30, 60 or 90 days. Cash is awarded once a month.

Cash can be withdrawn through an Interac e-Transfer by selecting the Cash Out link displayed under your Available Cashback Balance (available in both the Avion Rewards website and the Avion Rewards app). Members must enter their email, prepare a security question and answer for the Interac e-Transfer.

• It may take up to 5 business days for you to receive funds following an Interac e-Transfer request.

The Avion Rewards Access Card is how Avion members who do not have a personal deposit account will receive their cash back from offers fulfilled though the Avion Rewards ShopPlus browser extension.

Note: The Avion Rewards Access Card will become available in September 2022 and will launch in coordination with the timing of applicable offers and when cash back is first awarded to Avion Rewards members.

As an Avion Rewards member you will be able to access offers through the Avion Rewards App, avionrewards.com , the Avion Rewards ShopPlus browser extension, RBC Online Banking, and the RBC Mobile App.

If you do not have an Avion Rewards eligible product, eligible clients will have access to the Offers portal through both the RBC Mobile app and RBC Online Banking.

Shop the Web allows members to browse for items directly from within the Avion Rewards website or the Avion Rewards app, compare prices from multiple retailers and see price drops, offers, and more.

Visit the Shop page on the Avion Rewards website or the Avion Rewards app to learn more about Shop the Web.

To redeem your Avion points for merchandise from Apple, sign in through Avion Rewards.

• Select the Apple logo in the Redeem with Points section on the Home page or the Shop page.
• Shop the Apple catalogue to find the item(s) you want.
• Select the item(s) of your choice and add it to your Cart.
• Complete your purchase by redeeming your Avion points or by using a combination of points plus your credit card.

1. We can only accept returns on engraved items that arrive to you in a damaged state. If you received an engraved item that is damaged, just call us at 1-800-769-2512 for help. If you are a commercial cardholder, please call 1-888-769-2534 .

Your order will be shipped to the Canadian address we have on file for your RBC Royal Bank Online Banking profile.

Note: Orders cannot be shipped to a Post Office Box.

We don't currently offer Apple Education Pricing in the Apple catalogue.

If you'd like to buy AppleCare Protection or AppleCare+, visit Apple's website or take your products to an Apple Store within 60 days of your purchase.

In the event that your order is lost, stolen, missing or if you want to return/exchange an item, just call us at 1-800-769-2512 and we'll be happy to help. If you are a commercial cardholder, please call 1-888-769-2534 .

To return an item, call us within 14 days of the item being shipped.

Orders are usually shipped within 7-10 business days. We'll send you an email with tracking information when your order is shipped. Shipping lead times for each item are shown on the catalogue check out page. We'll send you an email with tracking information when your order is shipped.

We don't currently offer the option to pre-order Apple products through our catalogue.

You'll need Avion points for at least 20% of the total value of your purchase. You can pay for the remaining 80% of the order with your Avion points, your credit card, or a combination of both.

To redeem your Avion points for merchandise from Best Buy, sign in through Avion Rewards.

• Select the Best Buy logo in the Redeem with Points section on the Home page or the Shop page.
• Select the Best Buy link in the top navigation menu under Shop & Redeem.
• Browse the Best Buy catalogue to find the item(s) you want.
• Select the item(s) of your choice and add it to your Cart.*
• Choose home delivery, or Quick and Easy reserve in store pick-up where available, for your item(s).

* Please be advised that there is currently a limit of one unit of the same item per order. If you wish to redeem for more than one unit of the same item per order, a separate order must be placed for each subsequent unit.

Avion Rewards members can access over 50,000 of the hottest tech items from Best Buy’s‡ online catalogue. You’ll have access to weekly sales, the latest products, and free shipping on almost every item, which is an exclusive benefit for Avion Rewards.

If you do not have the required Avion points for your redemption, you can pay for the remaining balance with your credit card. On the order summary screen, you can enter the amount of points you want to redeem and charge the balance to your credit card to complete the transaction, if needed.

Yes, you are entitled to the same warranty you would be when purchasing directly through Best Buy.

If your order was shipped to you, you may return your item(s) by mail. To start the return process, you will need to call us at 1-800-769-2512 . You cannot return a shipped-to-home item at a Best Buy store.

For Quick and Easy Store Pickup orders, you may return the item(s) in-store, at any Best Buy store within Canada. It cannot be returned by mail. All items that you return in store will be refunded by the issuance of a Best Buy gift card for the full value of the purchase price of the original item(s) you ordered, even if you have paid for your item(s) using Points and/or a credit card.

For all returns, you will need the following:

• If you picked up your item(s) in store, the Ready for Pickup email that was sent to you
• If your item(s) were delivered to you, the "Purchase Order Number" that was indicated on the confirmation email that was sent to you after placing your order; and
• Original packaging of the item(s) being returned.

Most items must be returned within 14 to 30 days but some product lines have special restrictions or return policies.

Please see the Avion Rewards® Redemption, Return and Exchange Terms & Conditions for Best Buy‡ (opens in new window) for specific information about shipped versus in-store returns.

We currently do not offer the Low Price Guarantee with Rewards redemptions using points and/or cash.

Call us at 1-800-769-2512 to request the return for drop shipment or special delivery items. You will receive a gift card in the amount of your return's purchase price. If you are a commercial cardholder, please call 1-888-769-2534 .

Yes, so long as it's returned within its window. Please see the Avion Rewards® Redemption, Return and Exchange Terms & Conditions for Best Buy‡ (opens in new window) for more information.

Note: Orders cannot be shipped to a post office box.

Shipping is included on almost every available item (special delivery items notwithstanding).

Subject to availability, you also have the option to pick up items at Best Buy locations through the Quick and Easy Store Pickup. You will see this option prior to online checkout. It shows which Best Buy locations have your chosen items available for in-store pick up. Not all items are available for this option. If available for Quick and Easy Store Pickup, the item(s) will be on hold at the Best Buy location for up to 3 days after you receive your Ready for Pickup email. You will need to present the email confirmation and 2 pieces of valid ID that matches the name on the order. At least one piece of ID should be government-issued photo ID.

Please see the Avion Rewards® Redemption, Return and Exchange Terms & Conditions for Best Buy‡ (opens in new window) for more information.

No, your points must be redeemed through the Avion Rewards website. Select Best Buy from under the Shop & Redeem menu in the top navigation to browse the Best Buy catalogue. Then, select the product you want, and add it to your cart.

Please be advised that your redemption may include an environmental handling fee (EHF) as may be required in your province. These fees are used to support provincial recycling and disposal programs, and are collected on products made with materials such as metal, glass, and plastic that can be recycled into other products. EHFs are also collected on products that may contain substances that are hazardous to the environment.

To learn more and to see how these fees are applied on a province by province basis, please see Best Buy's Environmental Handling Fees details.

Please contact RBC Royal Bank credit card customer service at 1-800-769-2512 . If you are a commercial cardholder, please call 1-888-769-2534 .

Some items on our merchandise catalogue offer a manufacturer warranty. You will need to contact the manufacturer directly to take advantage of the manufacturer’s warranty. Please refer to your product packaging or the manufacturer’s website for contact information. If required by the product manufacturer, please contact RBC to obtain a proof of purchase. Please contact RBC Royal Bank credit card customer service at 1-800-769-2512 . If you are a commercial cardholder, please call 1-888-769-2534 .

No, you can only redeem Avion points to pay down your RBC points-earning credit card balance through Pay Credit Card with Points.

Eligible Avion Rewards members with an RBC points-earning credit card can use their points to redeem towards eligible transactions as a statement credit.

Note: Clients must have an RBC points-earning credit card in order to Pay Back Purchases with Points and RBC Commercial Avion Visa is not eligible.

Here’s how to Pay Back Purchases with Avion points:

• Sign in to RBC Mobile or Online Banking
• Go to credit card transaction details page
• Double click on any particular transaction
• There will be transaction details like purchase date, merchant name etc. and a Pay with Points button
• Click on the Pay with Points button and go to the Pay Back with Points page where transaction details appear along with the current full points balance that is available
• Choose any amount of points to use to “offset” all or even just a portion of the purchase amount
• Redemption is completed with a confirmation and Avion points will be deducted from account balance right away
• A credit will be posted on credit card account within 1-2 business days with a description of “rewards redemption – merchant name”

Note: This feature is only available in the RBC Mobile app.

Pay In-Store with Points is a capability available in the RBC Launch app that allows you to redeem your Avion points for purchases completed in stores with an eligible mobile wallet (iOS and Samsung).

Any purchase transactions between $1 and $250 CAD completed through an eligible mobile wallet using your device qualify.

• Make sure you’ve downloaded the RBC Launch app. Sign in with your credentials and enable push notifications. There are 2 ways to redeem:
• Sign in to the RBC Launch app. Select the transaction banner at the top, and redeem points towards your last purchase with Apple Pay.
• Turn on push notifications for the RBC Launch app. We’ll let you know when your purchase is eligible to redeem points.
• Get started by selecting the Samsung Pay app icon or by swiping up from the bottom of your screen.
• Select Pay with Avion Rewards Points and choose how many points you’d like to use towards your purchase.
• Tap to pay, and your purchase is complete.

The full purchase amount will be charged to your credit card for your purchase and a statement credit for the points redemption will be applied on your credit card account within 2-3 business days from the date of your purchase. Your statement credit will indicate which merchant your transaction was made with.

You will still continue to earn Avion points for the full purchase amount even when you redeem points for that purchase.

All redemptions are final and cannot be cancelled or reversed once submitted. The points redeemed will remain as a statement credit towards your account balance even when you return or refund your purchase. The number of points redeemed may vary during promotional campaigns.

Note: Push notifications may display account information, such as account balance and transaction information, on the screen of your device in a locked state and in your device notification center. You can disable push notifications in your notification settings.

Avion Rewards – Redeem

Yes, you can get one for yourself or send one to a friend. See our e-gift card FAQs to learn more.

Avion Rewards members with an Avion-points earning credit card can use their points to make a payment towards their credit card balance. Pay credit card with points does not allow you to redeem for items at point of sale.

Just follow these steps:

1. Sign in to Avion Rewards

2. Select “Redeem” in the top navigation or menu

3. From here, select “Pay Credit Card Now”

4. Choose the amount you wish to redeem

5. Redeem your points.

It usually takes 2-3 days for your redemptions to appear in your credit card account.

This benefit is only available to Avion Elite and Avion Premium members with an eligible RBC credit card.

Check eligibility, here

Yes. If you’re an eligible Avion Rewards member and a member of the Hudson’s Bay Rewards program, you can:

• Convert your Avion points to Hudson’s Bay Rewards points.
• Turn on auto-convert to have your Hudson’s Bay Rewards points automatically converted to Avion points.

With auto-convert, your current Hudson’s Bay Rewards points will automatically be converted to Avion points on an ongoing basis, until you turn it off. When auto-convert is turned on, you won’t be able to convert Avion points to Hudson’s Bay Rewards points.

You must be a member of the Hudson’s Bay Rewards program in order to complete either of the conversions above, and the Hudson’s Bay Rewards account must be in the same name as your RBC Royal Bank credit card account.

For one-time conversions, a minimum of 500 Avion points must be converted and they can only be converted in increments of 2 Avion points thereafter. For auto-convert, your Hudson’s Bay Rewards points will be automatically converted to Avion points when you have a minimum of 40 points in your Hudson’s Bay Rewards account and in increments of 4 Hudson’s Bay Rewards points thereafter.

Note: At this time, RBC ION Visa and RBC ION+ Visa cardholders are not eligible to convert their Avion points to the Hudson Bay Rewards Program and vice versa.

To turn on auto-convert:

• Sign in to Avion Rewards
• Select Redeem in the top navigation or menu.
• Select Hudson’s Bay Rewards from the Convert Points menu.
• Select the tab, Auto-convert your Hudson’s Bay Rewards points, and follow the steps.

This benefit is only available to Avion Elite and Avion Premium members with an eligible RBC credit card. At this time, RBC ION Visa and RBC ION+ Visa cardholders are not eligible to convert their Avion points to the Hudson Bay Rewards Program and vice versa.

No, we don’t currently offer this option. You can only convert Avion points to Hudson’s Bay Rewards as a one-time conversion with a minimum of 500 Avion points.

Transfer points gives you the ability to consolidate your Avion points where you need them most. Through a simple set of steps, you can transfer Avion points from one points account to another. Check out the individual perks and benefits of your points-earning account to see where you can maximize the value of your points.

Note: Points are transferred on a 1:1 basis, meaning the number of points you transfer will not change from one points-earning product to another. In addition, there is no fee to transfer points.

If you have more than one Avion points account, you can transfer points between most accounts that appear on your profile. Transfers are only eligible between points accounts that you own. Points earned by an authorized credit card user, belong to the primary credit cardholder.

Yes, you can combine the Avion points you have earned using your eligible personal deposit account (by making in-store or online debit purchases) with the Avion points you have earned with your personal, and business credit card and vice versa.

Here’s how to combine your Avion points between points-earning products:

• Log in to avionrewards.com and click the "Transfer" menu.
• On the landing page, select "Transfer Now” in the “Transfer Points” option. You can transfer points between the products shown in the drop-down menu.
• Within "Transfer Points", you can set up a one-time transfer or an auto-transfer so that all the points you earn with your points-earning product(s) can be pooled to one points account, making it easy to keep track of your points in one place and get you closer to your redemption goals.

No. There is no minimum or maximum. You can transfer Avion points between accounts as you need, with no limits. Also, if you realize that you have transferred too many points in a points account, or into the wrong points account, you can always transfer them back, with no fees.

When you transfer Avion points from your U.S. Dollar Visa Gold points account to another Avion points account (non U.S. dollar), the points will be transferred at a rate of 1:1.

No. Avion points transfers are final, and cannot be reversed or cancelled. However, if you choose the wrong points account for your transfer or need the points back into the account you transferred from, you can just set up another transfer. Don’t worry, you will not pay any fees, or experience any loss in the transfer.

Yes. If your business banking profile is linked to your personal banking profile, you can transfer points to or from your business rewards account online.

If your business banking profile is not linked to your personal banking profile, you can transfer points from or to your business rewards account by calling us at 1-800-769-2512 .

Avion points will be awarded based on how many points you have earned up until the day you opt out. As long as your personal deposit account remains open (and in good standing?), you will not lose the points you have previously earned when you opt out of the Value Program .

If you close a personal deposit account that is enrolled in the Value Program:

• The monthly fee rebate 1 you receive will be based on the number of eligible product categories you had and the specific account activities you completed (pre-authorized payment, direct deposit, eligible bill payment) in the previous calendar month. If you close your account on a day other than the last day of the calendar month, your monthly fee rebate will be pro-rated and paid on your next statement cycle date.
• Avion points are earned up until the day the account is closed and are based on debit purchases made from the first day of the calendar month through the date you close your account.

After closing your personal deposit account, you have 12 months to use your Avion points, which can be redeemed by calling the RBC Advice Centre at 1-800-769-2512 .

Yes you can. You will be able to redeem Avion points you have earned (based on the rates associated with the closed account) for up to 12 months after closure. You can also transfer your points to any active points account you have and redeem from there. If you are not ready to redeem your points, be sure to transfer them to an active account before your 12 months are up.

Avion Rewards – How It Works

If you are an RBC client, review the list of eligible Avion Rewards products . Should you have an Avion Rewards eligible product, you can simply sign into Avion Rewards through the Avion Rewards website or app. If you are new to Avion Rewards, you will need to also accept the Avion Rewards Terms & Conditions upon first sign in.

Ampli is a Canadian cash back app that is powered by Avion Rewards. Ampli lets you earn cash back in your Ampli account on both online and in-store purchases at more than 125 brands, such as Lowe's, DoorDash, Rexall, H&M, Sephora, Lyft, and Indigo.ca.

To start earning cash back with Ampli, by:

• Downloading the Ampli app
• Signing up and securely connecting your Canadian debit and credit cards
• Pay with your connected card online and in-store at participating brands and earn cash back automatically

Once you have accumulated a minimum of $15 CAD in cash back in your Ampli account, transfer cash back into your bank account with a free Interac e-Transfer®. Plus, connected RBC credit cards can earn even more cash back on select offers.

Note: Ampli is available to all Canadians, therefore you do not need to be an RBC client to join. For more information or to sign up for Ampli Powered by Avion Rewards visit: ampli.ca

The Avion Rewards program has 2 membership levels, Avion Premium and Avion Elite.

• If you have an RBC Avion credit card, you are an Avion Elite member and will receive benefits associated with that membership level.
• All other Avion Rewards eligible products qualify for the Avion Premium level.

Note: Your membership level provides you with additional benefits such as offers, however the number of points required to make a redemption is tied to either your RBC card product or your Avion Rewards Core Product Account.

You can apply for an RBC Avion credit card and once you have been approved and have activated your card, you will automatically have access to all benefits associated with the Avion Elite membership level.

If you cancel your RBC Avion credit card, you will no longer have access to the benefits associated with the Avion Elite membership level since having an RBC Avion credit card is required in order to be part Avion Elite.

Avion Rewards provides members many ways to earn Avion points. Depending on the Avion Rewards eligible product you hold, eligible members are able to earn Avion points from:

• Purchases made with an eligible RBC points-earning credit card
• The Value Program. Simply enroll an eligible personal deposit account and start earning Avion points on qualifying debit purchases made online or in-store.
• Offers available on the Avion Rewards Shop page. Simply load your available offers to earn bonus Avion points on qualifying purchases and follow the steps on how to claim your offer.
• When acquiring a new eligible RBC product, with an associated welcome points offer.
• With qualifying purchases using your eligible linked RBC card at our select merchant partners like Petro Canada. Eligible clients receive 20% more Avion points at Petro Canada when they pay with their linked RBC points-earning credit card.

Eligible personal RBC clients without an eligible rewards credit card and/or an eligible personal deposit account that is enrolled in the Value Program are able to access Avion Rewards and will be given an Avion Rewards Core Account upon enrollment into the Avion Rewards Program.

RBC Personal Deposit Accounts that have not enrolled in the Value Program:

RBC Personal Credit Cards

RBC Personal Investment Products

RBC Installment Loans, Lines of Credit and Home Equity Financing that are not tied to a business banking profile

Please visit the Avion Rewards Terms and Conditions to learn more about the Avion Rewards Core Product Account.

Yes, you can pay down your RBC points-earning credit card balance with Avion points using the RBC Mobile app. The redemption process works similarly to how it does through the Avion Rewards web site–just choose the RBC points-earning credit card you would like to pay, the dollar denomination and corresponding amount of points you wish to redeem. The RBC Mobile app is available for iOS and Android.

Eligible Avion Rewards members can use their Avion points to send an Interac e-Transfer by sending to a payee through RBC Online Banking or the RBC Mobile app.

RBC Commercial Avion Visa, RBC Avion Visa Business and RBC Avion Visa Infinite Business credit cards, select Avion Rewards Core Product Accounts and single credit card only clients are not eligible to send an Interac e-transfer with points.

Please visit the Avion Rewards Terms & Conditions for more information on eligibility criteria.

Here’s how to send an Interac e-Transfer by redeeming Avion points:

In the RBC Mobile app:

• Login and select the yellow circle with an arrow in the navigation menu
• Choose Send or Cancel an Interac e-transfer;
• Choose Avion Rewards, instead of RBC Account at the top of the page;
• Enter the dollar amount to be sent –the number of points required will be automatically converted and displayed;
• Select Continue and review the details;
• Once you are ready to proceed, click “Send Now”.

On RBC Online Banking:

• Login and select the “Send an Interac e-Transfer” in the right hand navigation under Transfers and Payments.
• If you have more than one Avion Rewards account, choose the one that will fund the points;
• Choose the payee;
• Enter the dollar amount to be paid–the number of points required will be automatically converted and displayed to convert into points;

Avion Premium and Elite members can use Avion points to pay any bill that can be set up as a payee through RBC Online Banking or the RBC Mobile app.

Avion Select members are not eligible to pay bills with points.

Avion Rewards members can use their points to pay bills, like cable, gym memberships and more.

Here’s how it works:

On Avion Rewards web or App

1. Sign into Avion Rewards and select Redeem in the main navigation;

2. Select the “Pay Bills Now” option from this page. This will take you to RBC Mobile app;

3. If you have more than one Avion Rewards account, choose the one that will fund the points;

4. Choose your payee;

5. Enter the dollar amount to be paid–the number of points required will be automatically converted and displayed;

6. Select “Continue” to review the transaction;

7. Select “Pay Now” to submit the payment

On RBC Online Banking or App

1. Go to the “Pay Bill and Transfer Funds” page and select the “Pay with Avion points” tab;

2. If you have more than one Avion Rewards account, choose the one that will fund the points;

3. Choose the payee;

4. Enter the dollar amount to be paid–the number of points required will be automatically converted and displayed to convert into points;

5. Click “Submit” to complete the payment

This benefit is only available to Avion Elite and Avion Premium members with an eligible RBC credit card. Check eligibility, here

Through the Value Program , Avion points are reported monthly and take into account all in-store and online debit purchases from, and returns to, an enrolled personal deposit account.

For example, say you purchase a $300 blender with your debit card in December and received your Avion points. In January, you return the blender and get a $300 credit to your personal deposit account, but you also make $500 in debit purchases. For January, you would be awarded points for $200 of your debit spend ($500 in debit purchases minus the $300 return). Alternatively, if in January you do not make any debit purchases and only return the $300 blender, you would not be awarded any points for January and 300 points will be removed from your points account.

Avion Rewards – Avion Select

Avion Select is Avion Rewards’s newest membership level. It’s free for everyone to join (just like all our levels). As an Avion Select member, you can get cash back at thousands of retailers – with more not-to-miss benefits on the way.

To sign up for Avion Select, simply download the Avion Rewards mobile app and follow the onscreen prompts.

Anyone! You simply have to be the age of majority in your province. While our Premium and Elite levels require you to be an RBC client, Avion Select members can bank anywhere.

Download the Avion Rewards app or select “Join Now” on Avion Rewards. Sign up with your email address and you’re in!

Avion Select members enjoy early access to great deals and savings, including cash back offers from your favourite retailers.

Stay tuned for more benefits coming soon, such as travel offers and the ability to earn and redeem points.

Avion Select members will be able to earn and redeem points later in the year. For now, you can enjoy early access to our cash back offers.

To earn cash back as an Avion Select member, simply log into Avion Rewards on the app or the website and shop available offers.

You can also enable the Avion Rewards ShopPlus browser extension and the cash back offers will come to you while you shop and search online.

Log into the Avion Rewards app and select See Activity. You’ll be able to view your points, cash back and savings history.

Funds are added to your available cash back balance after you have completed your transaction and the return window for the retailer has passed. Check with the retailer for details, but this is usually within 120 days.

Once funds appear in your available cash back balance, you can withdraw them to your bank account using Interac e-Transfer. Simply log in to the Avion Rewards app to view your available cash back balance and follow the onscreen prompts to cash out.

Please note that you will need to have Interac e-Transfer and autodeposit set up in your bank account and a minimum balance of $15 in order to withdraw funds.

You will need to set up Interac e-Transfer for your bank account in order to take advantage of cash savings.

You will need to set up an autodeposit with your bank in order to cash out to your bank account. If you do not have autodeposit set up, please log in to the Avion Rewards app, click on the “More” menu and click “Contact an Advisor”, where an advisor will be able to help you.

No, your cash back does not expire as long as you have an active account with us. After 24 months of inactivity, your account will be closed and any cash back balance will be lost.

No. You can only transfer your available cash back balance to the Interac e-Transfer email address you originally registered with.

You need a balance of $15 or over in order to send an Interac e-Transfer from your available cash back balance.

Interac e-Transfer transactions are usually completed within 24 hours.

Once you submit your Interac e-Transfer request, the transaction should be available in your Cash Back transaction history on the Rewards Activity page.

If you do not see this transaction and are still seeing a positive available cash back balance, try submitting the request again.

For additional help, visit the “Contact an Advisor” page in the “More” menu of the Avion Rewards app and one of our advisors will be able to help.

If you have not received your cash back, it may be because:

• Ad blockers have prevented the offer from loading. Check your browser to make sure ad blockers are disabled for Avion Rewards
• You purchased an item that is not included in the retailer’s offer. Check carefully before making your purchase that the offer applies to that specific product
• You made the purchase through another loyalty program. You can not receive cash back through two programs at once
• You made the purchase directly on the retailer’s site without clicking on “Load Offer” in Avion Rewards first. Offers are only activated when you click through from Avion Rewards

If you have checked all of the above, you should receive your cash back once the merchant’s return window has passed. Check with the merchant for details, but this is usually within 120 days.

If you have not received your cash back within 120 days, log in to the Avion Rewards app, click on the “More” menu and click “Contact an Advisor”, where an advisor will be able to help you.

You can review our privacy policy here .

If you no longer wish to benefit from Avion Rewards, you do not need to deactivate your account. You can simply delete the app, and your account will be automatically deactivated after 24 months of inactivity.

To reactivate your account, simply reinstall the Avion Rewards app and sign in with your previous username and password. You may need to reaccept the Terms & Conditions to become an active member of the program.

If your account has been inactive for 24 months, then it will be reactivated as a new account with no earning history.

If you forget your password, simply click “Forgot Password?” in the app and follow the steps provided.

No. For security reasons, you are not able to change the email address associated with your account.

If you no longer wish to receive emails from Avion Rewards, click the “unsubscribe” button at the bottom of any Avion Rewards email that you receive.

The available cash back balance is the amount of cash back that can be withdrawn into your bank account.

In order to receive the offer, you need to shop through Avion Rewards. Simply select “Load Offer” and then click through the provided link.

No, not at this time. You must withdraw the full amount in your cash account, once it is $15 or over.

Cash back on eligible offers is issued in Canadian currency. For foreign currency transactions, the cash back earned may be subject to foreign exchange fees, foreign currency fluctuations or other factors that may influence the amount of cash back earned when calculating the Canadian dollar equivalent amount.

For cash back offers, there is a holding period before it is moved to an earned status and available to be cashed out by a member. This holding period varies by merchant as it is dependent upon each merchants return window plus associated processing time which can typically be up to 120 days after the original transaction date. During this period cash back will be reflected in your activity dashboard and can be found under the Pending tab. Once the holding period is complete it will move to the Earned tab within the activity dashboard.

As an Avion Select member, you can link and earn points and cash back at over 230 financial institutions.

Unfortunately, there are some financial institutions that don’t provide a consistent card connection experience, which could affect the ability to earn cash back and points. These financial institutions are not supported by Avion Rewards.

If you have an RBC product, you’re automatically an Elite or Premium member. Our great offers are available to Premium and Elite members when they shop with their RBC product–there is no need to link any cards.

Not a Premium or Elite member? Visit Become a Member to learn how you can elevate your current Avion Rewards membership.

Sometimes, your bank card(s) may become unlinked from your Avion Rewards profile due to an interrupted connection. This may be caused by factors such as multi-factor authentication (MFA), system outages or technical disruptions.

Don’t worry, it’s easy to fix! Simply log in and relink your bank card(s) using one of these three options:

• Click the notification on the home screen
• Visit the Manage Cards section of the More menu on the app
• Visit the Profile & Settings menu on the desktop app

That way you can keep earning cash back on eligible purchases.

Yes! Once you successfully relink, we’ll honour all points or cash back earned on eligible purchases made up to 60 days prior.

Yes, you can remove individual cards or bank accounts from your Avion Rewards profile at any time by selecting the delete icon in the Manage Cards section. Once you’ve removed a card or bank account, you’ll no longer be eligible to earn points or cash back on transactions made using these cards.

To earn points or cash back on eligible purchases, Avion Rewards needs to be able to see that you’ve completed a transaction associated with an active offer. Rest assured; this is done with bank-level security practices to protect your privacy.

We use third-party account aggregation technology to match active offers with the purchases you make using the debit and/or credit card(s) you connect to your Avion Rewards profile. Our service provider uses masked login credentials to protect your privacy while providing us with transaction information from your connected accounts.

Please visit Avion Rewards Card Linking Terms & Conditions .

It’s easy! Simply open Avion Rewards on your mobile app or desktop and shop available offers. Make sure you read the offer details as you may need to load an offer or link a card before earning. You can also enable the Avion Rewards ShopPlus browser extension and cash back deals will be revealed as you shop online.

Avion Select members can redeem points for travel, gift cards, merchandise and charity donations– with more reward options coming soon. Keep shopping and look for offers to earn more points, faster, so you’re ready.

Missing cash back may be caused by one of these reasons:

• You purchased an item that is not included in the merchant's offer. Check carefully before making your purchase that the offer applies to that specific product
• You made the purchase through another loyalty program. You cannot receive cash back through two programs simultaneously
• You made the purchase directly on the merchant’s site without clicking on “Load Offer” in Avion Rewards first. Offers are only activated when you click through from Avion Rewards
• You made a purchase that required you to have a linked card when your card was actually unlinked. Relink your cards one of two ways: ○ Click the ntification on the home screen or visit the Manage Cards section of the More menu on the mobile app ○ Click the Profile & Settings menu on the desktop app. You're eligible to earn cash back for transactions made up to 60 days prior, as long as you relink.

If you’ve checked all of the above, you should receive your cash back once the merchant’s return window has passed. Check with the merchant for details, but this usually occurs within 120 days.

If you haven’t received your cash back within 120 days, visit the Avion Rewards More menu on the mobile app or Profile & Settings menu on the desktop app and click “Contact an Advisor,” where we’ll be able to help you.

Avion Rewards makes it easy to get rewarded. Here’s how:

Short points for travel? You can use your points AND credit card on the same purchase, so you never miss a deal on hotels, car rentals and more.

Merchandise, gift cards and charity donations can only be redeemed with Avion points but keep an eye out – we often have sales that allow you to redeem using fewer points than usual.

Still need more points? Keep shopping and look for bonus points offers from our retailers. They can help you earn more points, faster.

Note: More reward options are coming soon for Avion Select members!

Access your itinerary any time from the Avion Rewards app or website by visiting the travel booking platform and selecting "My Trips" on the top right of the page or the app.

Call 1-877-636-2870 to make changes to an existing travel booking. Please note that Avion Select members are not eligible to make new bookings on the phone.

All travel bookings must be booked through the Avion Rewards travel booking platform. To do this, sign in to Avion Rewards online or log into the app, and select Travel in the menu.

Travel insurance is not included in travel bookings for Avion Select members. Please buy this separately.

This will depend on your travel supplier’s change and cancellation policies. Please review them before booking.

After you’ve booked through Avion Rewards, you’ll receive a confirmation email that includes important information about changing or cancelling your trip.

Yes. If the airline you have selected provides this service, you may pre-select your seat while booking travel online or after you have completed your redemption.

Yes! It’s easy to book travel for friends and family through your profile. Just be sure the name on the itinerary is identical to their full name shown on their passport.

Avion Select members can redeem points for travel, as well as gift cards, merchandise and charity donations.

To redeem your points, first sign into Avion Rewards online or through the app. Then select "Travel” from the menu to book flights, hotels, car rentals and more, and “Redeem” to use your points for merchandise, gift cards and charity.

Note: More rewards options are coming soon for Avion Select members!

You can update your address by visiting your Avion Rewards profile in the app or website.

Avion Select members are not eligible to convert Avion points to other airline frequent flyer or airline loyalty programs.

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