Get to know your CIBC card benefits
Out-of-Province Emergency Travel Medical Insurance
Gives you access to 24/7 emergency travel assistance and medical coverage.
Am I covered for pre-existing medical conditions while I travel?
This insurance provides coverage for pre-existing medical conditions as long as the stability requirements outlined in your Certificate of Insurance are met. You are not covered for expenses resulting from or relating to any pre-existing medical condition if, in the 90 days (180 days if you are aged 65 or over) before your departure date, that condition or a related condition has not been stable.
Are my spouse and children covered under the Out-of-Province Emergency Travel Medical insurance on my card?
As the Primary Cardholder, you, your spouse and your dependent children have emergency medical insurance coverage up to the amount of $5,000,000 CAD, per insured person, per trip. You also have access to our emergency travel services when you travel outside your Canadian province or territory of permanent residence.
Do I need to call before I see a doctor while travelling?
Yes, you must call the Assistance and Claims Service Provider at the first available opportunity when you need emergency medical service. The Assistance and Claims Service Provider is available 24 hours a day, 7 days a week. If in Canada or the U.S.A., call toll-free at 1-866-363-3338 or call collect at (905) 403-3338 (from anywhere else in the world). If you do not call the Assistance and Claims Service Provider, the medical treatment you receive may not be covered by this insurance.
Does this insurance cover dental?
This insurance covers up to $2,000 for emergency dental treatment at your trip destination, to repair or replace your natural teeth as the result of an accidental blow to the face. Both the accident and treatment must occur within the coverage period outlined in your Certificate of Insurance. Coverage is also provided for charges of up to $200 for emergency relief of dental pain at your trip destination. This excludes crowns and root canals.
Does this medical policy cover chiropractic treatments?
Yes. This insurance covers charges up to a maximum of $300 each for the services of a licensed chiropractor, physiotherapist, chiropodist, podiatrist or osteopath when they are needed due to an emergency that occurs during your trip. The services that are covered include x-rays. Be sure to keep your receipts because you will need them to make your claim.
I am 70 years old. Am I covered for medical emergencies under the Out of Province Medical Insurance Coverage that is included on my CIBC card?
Each card offers a different level of coverage for travelers over the age of 65. Please check your Certificate of Insurance or call 1 866 363-3338 to confirm.
I have a heart condition; will I be covered if I travel and have a heart attack?
This insurance provides coverage for pre-existing medical conditions as long as the stability requirements outlined in your Certificate of Insurance are met. You will not be covered if in the 90 days (180 days if you are aged 65 and over) before your trip, your heart condition has not been stable, or you have taken nitroglycerin more than once per week specifically for the relief of angina pain.
Trip Interruption Insurance
Provides reimbursement for the cardholder, the cardholder’s spouse and dependent children, and the travelling companion for: 1. expenses incurred and/or reimbursement of the unused portion of your non-refundable and non-transferable prepaid travel arrangements due to the interruption or delay of your trip.
Auto Rental Collision/ Loss Damage Insurance
Provides coverage for theft, loss, or damage to a rental car.
Can I decline all insurance coverage at the rental agency?
Car Rental Collision / Loss Damage Insurance covers you for vehicle loss or damage but does not include the contents of the vehicle. There is no coverage for third party liability, personal injury, damage to property, normal vehicle wear and tear or mechanical/electrical vehicle breakdown.
Do I have to pay a deductible with this coverage?
Does Car Rental Collision / Loss Damage Insurance cover third party liability or personal injury to myself or passengers while driving a rental vehicle?
How do I use the Car Rental Collision / Loss Damage Insurance in countries where collision damage insurance from the rental agency is mandatory (i.e. Italy, Australia)?
It is true that collision damage insurance is mandatory in some countries. In this case, should a loss occur, the rental agency will cover your loss according to the terms and conditions of their contract, subject to a deductible. Upon reviewing your claim, we may reimburse you up to the cost of the deductible.
How long can I rent a car for and be covered by my CIBC insurance?
Coverage for the rental vehicle cannot be extended for more than 48 consecutive days. If a rental period is longer than 48 days, no coverage is provided for that entire rental period.
Is the Car Rental Collision/Loss Damage Insurance coverage worldwide?
What does my CIBC card cover in terms of car rental coverage?
Provided the full cost of the rental is charged to your eligible CIBC card, Car Rental Collision / Loss Damage Insurance covers you for theft, loss and damage, up to the actual cash value of the rental vehicle and for any rental agency loss of use charges. For example, any physical damage, vandalism, fire, theft, or damage to tires and windshields would be covered up to the full vehicle value. This coverage has a rental period limit of 48 days and covers damage or theft of a rental vehicle up to the Manufacturer’s Suggested Retail Price outlined in your Certificate of Insurance.
What types of vehicles are excluded from this coverage?
Vehicles excluded from coverage include: vans, cargo vans, trucks, pick-up trucks, off-road vehicles, motorcycles and any vehicle, in its model year, over the Manufacturer’s Suggested Retail Price outlined in your Certificate of Insurance. The vehicles listed here is not a complete list of excluded vehicles. Please refer to your Certificate of Insurance for the full list of exclusions.
Common Carrier Accident Insurance
Provides coverage for an accidental death or dismemberment resulting from riding as a passenger on a common carrier (land, air, or water transport).
Flight Delay and Baggage Insurance
Covers you for the unexpected costs that arise from a delayed flight and lost, stolen or damaged baggage.
I lost my carry-on luggage on my flight. It had my iPod, camera, cell phone and laptop in it. What can I claim?
Lost or Stolen Baggage coverage provides reimbursement for your baggage and the personal property it contained, subject to the following exclusions: cameras and accessories, eye/sunglasses, animals, certain sporting equipment, securities, money, contact lenses, prosthetic devices, furs, tickets, valuable papers and documents. Carry-on luggage and the property it contained is covered for up to $500 per insured person to a limit of $1,000 per claim ($1,000 per insured person to a maximum of $2,500 per claim for the Aerogold® Visa Infinite Privilege Card). Payment is based on the actual replacement cost (if replaced), or actual cash value if not replaced.
I lost my luggage travelling by bus. What am I covered for?
Provided your bus fare was charged to your eligible CIBC card, Baggage Insurance coverage provides reimbursement of up to $500 per insured person, to a maximum of $1000 per claim for your lost luggage and its contents. ($1,000 per insured person to a maximum of $2,500 per claim for the CIBC Aerogold® Visa Infinite Privilege Card). This coverage is in excess of any other insurance or compensation available to you. Please claim through the bus carrier first.
My flight was delayed due to weather, and the airline cannot put me on another flight until tomorrow. What are the benefits provided by my CIBC card in this situation?
Flight Delay coverage provides reimbursement for reasonable living expenses, such as meals and accommodations, incurred during the period of your delayed flight or missed connection, up to a maximum limit of $500 provided the full fare for your flight was charged to your eligible CIBC card. Your coverage also provides reimbursement for ground transportation and entertainment expenses, up to a maximum limit of $100 per insured person.
My return flight home was unexpectedly delayed. This resulted in me having to prolong my hotel stay by one extra night. Am I covered for this expense?
Flight Delay coverage provides reimbursement for reasonable living expenses such as meals and accommodations, up to a maximum limit of $500, provided the full fare for your flight was charged to your eligible CIBC card. Please retain your receipts and forward them to your insurer when you return home.
My return flight was delayed, so I took a taxi to a hotel. Does the insurance on my CIBC card cover this expense?
Flight Delay coverage provides reimbursement of ground transportation expenses directly to your hotel during the period of flight delay. This coverage is subject to a maximum limit of $100.
Purchase Security and Extended Protection Insurance
Provides an extension to the manufacturer's warranty and covers recently purchased lost, stolen or damaged items.
What are the Extended Protection benefits on my CIBC card?
The Extended Protection benefit provides cardholders with an extension to the term of the original manufacturer’s warranty. This extension is up to a maximum of one additional full year (two additional years for the CIBC Aeroplan® Visa Infinite Privilege Card), commencing at the expiry of the manufacturer’s original warranty term. Please note, the manufacturer's warranty must be honoured in Canada or the U.S, and items must be charged to your eligible CIBC card.
What are the Purchase Security benefits on my CIBC card?
The Purchase Security benefit provides worldwide coverage in the event of loss, theft or damage of qualified purchases charged to an eligible CIBC card. If the item is stolen or damaged it may be replaced or repaired, or we may reimburse you up to the original cost of the item.