Jane Dotson
CIBC offers travel insurance to Canadian residents who are covered by a Canadian Government or Provincial/Territorial Health Insurance Plan for the entire duration of their trip. The CIBC travel insurance plan provides protection for you and your family when you travel outside your province, territory of residence, or country. It offers three core plans for travelling outside of Canada, plus a specialized plan for travellers concerned about COVID-19. The comprehensive travel insurance plan includes coverage for unforeseen medical emergencies, trip cancellation and interruption, accidental death and dismemberment coverage, and baggage and personal effects insurance. CIBC's COVID-19 insurance plan provides emergency medical and quarantine expenses if you test positive for COVID-19 during your trip.
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What You'll Learn
CIBC travel insurance eligibility
CIBC travel insurance provides protection for you and your family when you travel outside your province or territory of residence or outside the country. It offers various travel insurance plans to meet your coverage needs, including emergency medical coverage, trip cancellation insurance, and trip interruption insurance.
CIBC travel insurance is subject to eligibility conditions, limitations, and exclusions, including pre-existing medical condition exclusions. These conditions are contained in the Certificate of Insurance you receive following enrollment. Before applying, you can review a sample copy of the current Certificate of Insurance (CIBC Comprehensive Travel Insurance Plan).
To be eligible for CIBC Travel Insurance coverage, you must be a resident of Canada and be covered by a Canadian Government or Provincial/Territorial Health Insurance Plan for the entire duration of your insured trip. If you are aged 60 or over, you will be asked questions about your medical history to determine your eligibility for coverage, the applicable premium rate, and pre-existing condition limitations and exclusions.
CIBC's COVID-19 insurance plan is also available if the Government of Canada has issued a Level 3 Travel Advisory for COVID-19 for your travel destination. This plan provides emergency medical and quarantine expenses if you test positive for COVID-19 during your trip.
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Medical and non-medical protection
CIBC Travel Insurance provides protection for you and your family when you travel outside your province, territory of residence, or outside the country. It offers both medical and non-medical travel protection.
Medical Protection
CIBC's medical protection includes emergency travel medical insurance, which covers eligible hospital and physician bills, as well as expenses resulting from accidental injuries, sickness, or disease. It also includes paramedical services such as chiropractic, chiropodist, or physiotherapist services up to $500 if required due to a covered emergency. Dental treatment is also covered up to $4,000 in the event of an eligible direct accidental blow to the mouth.
CIBC's medical protection also covers the costs of returning home or to the nearest appropriate medical facility by regular flight, medically escorted flight, air ambulance, or ground ambulance. It provides for the return of dependent children or travelling companions who are insured and travelling with you. In the event of a critical emergency resulting in hospitalization, it also covers the round-trip economy airfare for a relative to travel to your bedside.
Non-Medical Protection
CIBC's non-medical protection includes trip cancellation and trip interruption insurance, which reimburses you for insured non-refundable travel expenses such as hotels or prepaid excursions if you need to cancel, interrupt, or delay your trip due to a covered reason. This benefit also includes accidental death and dismemberment coverage, as well as baggage and personal effects coverage.
The non-medical protection also includes coverage for COVID-19-related expenses if the Government of Canada has issued a Level 3 Travel Advisory for your destination. This includes $150 per day up to a maximum of $2,100 for meals and accommodation expenses if you need to quarantine due to a positive COVID-19 test during your trip.
Additionally, CIBC's non-medical protection covers reimbursement for delayed baggage and personal belongings that are lost, damaged, or stolen. It also includes travel accidental death and dismemberment insurance, providing compensation in the event of accidental death or catastrophic injury during your trip.
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Coverage for hospital and physician's bills
CIBC travel insurance provides coverage for eligible hospital and physician's bills, as well as expenses resulting from an accidental injury or new sickness/disease. This includes paramedical services such as those provided by a chiropractor, chiropodist, or physiotherapist, up to $500 if required as a result of a covered emergency. Dental treatment is also covered, providing up to $4,000 in coverage in the event of an eligible direct accidental blow to the mouth.
In the case of an emergency, CIBC travel insurance can coordinate emergency medical transportation for you, as well as escort and transportation home for stranded dependent children and family members. This includes costs for return home or to the nearest appropriate medical facility by regular flight, medically escorted flight, air ambulance, or ground ambulance.
If you are hospitalized as a result of a critical emergency, CIBC travel insurance provides a round-trip economy airfare by the most direct route for the transportation of a relative to your bedside. Additionally, if you are travelling alone and are hospitalized for more than three days outside of your home country, benefits can be provided to bring one immediate family member or friend to your bedside, covering the cost of airfare and hotel daily room charges for up to five days.
It is important to note that CIBC travel insurance is subject to eligibility conditions, limitations, and exclusions, including pre-existing medical condition exclusions. These are outlined in the Policy received following enrolment, and it is recommended to review the sample Policy (CIBC Comprehensive Travel Insurance Plan) before applying. Your Pre-existing Conditions Exclusion will be indicated on your confirmation of coverage, and it is determined by a medical questionnaire that must be completed.
Some specific exclusions to coverage include any medical condition that was not stable 90 days before your effective date, any heart condition if you have used nitroglycerine in the 90 days before your effective date, and any lung/respiratory condition if you have an active prescription or have used home oxygen or prednisone in the 90 days before your effective date.
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CIBC travel insurance exclusions
CIBC travel insurance provides protection for you and your family when you travel outside your province or territory of residence, or outside the country. It offers various travel insurance plans to meet your coverage needs, including emergency travel medical insurance, trip cancellation insurance, and trip interruption insurance.
CIBC travel insurance is subject to eligibility conditions, limitations, and exclusions, including pre-existing medical condition exclusions. These exclusions are outlined in the Certificate of Insurance or Policy that you receive following enrolment. Before applying, you can review a sample copy of the current Certificate of Insurance or Policy, which is available on their website.
- Pre-existing medical conditions: CIBC travel insurance has pre-existing condition exclusions, and if you are aged 60 or over, you will be asked questions about your medical history to determine your eligibility for coverage and applicable premium rates.
- Non-emergency or elective medical consultations: CIBC travel insurance does not cover any medical consultations that are not considered emergencies or are elective.
- Sickness or injury in high-risk areas: CIBC travel insurance will not cover any sickness or injury that occurs in an area for which Global Affairs Canada has issued a written warning to avoid all travel or non-essential travel, and the sickness or injury is caused by the reasons stated in the warning.
- Further expenses after being declared fit to travel: CIBC travel insurance will not cover any additional expenses incurred after you are medically cleared to travel.
- Travelling against medical advice: Any costs incurred as a result of travelling against the advice of a physician are not covered.
- Cancer treatments: CIBC travel insurance excludes coverage for any cancer treatments received within 90 days before the effective date of the policy (with some exceptions).
- Unrepaired aneurysms: The policy excludes coverage for any unrepaired aneurysms of 4 cm or larger that were diagnosed before the effective date.
- Stable medical conditions: For policyholders aged 60 and above, benefits are not payable for any medical condition that was not stable during the 90 or 180 days before departure.
- Heart conditions: CIBC travel insurance will not cover any expenses related to a heart condition if you have used nitroglycerine in any form 90 days before your effective date.
- Lung/respiratory conditions: The insurance does not cover any expenses related to lung or respiratory conditions if you have an active prescription for or have used home oxygen or prednisone within 90 days before your effective date.
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CIBC travel insurance plans
CIBC travel insurance provides protection for you and your family when you travel outside your province or territory of residence, or outside the country. It offers various travel insurance plans to meet your coverage needs, including 24/7 travel assistance reachable by phone from anywhere. CIBC travel insurance is administered by Allianz Global Assistance and underwritten by Co-operators Life Insurance Company (accident and sickness benefits) and The Sovereign General Insurance Company (property and casualty benefits).
CIBC's travel insurance plans offer a range of benefits, including emergency medical coverage, trip cancellation and interruption coverage, baggage and personal effects insurance, and accidental death and dismemberment insurance. The emergency medical coverage provides up to $5 million to $10 million in travel medical insurance coverage for eligible hospital and physician bills, paramedical services, dental treatment, and return transportation to your home country or the nearest appropriate medical facility. CIBC also offers a COVID-19 insurance plan, which covers emergency medical and quarantine expenses if you test positive for COVID-19 during your trip to a destination with a Level 3 Travel Advisory from the Government of Canada.
To be eligible for CIBC Travel Insurance coverage, you must be a resident of Canada with a valid Canadian Government or Provincial/Territorial Health Insurance Plan for the duration of your trip. If you are aged 60 or older, you will be asked additional questions about your medical history to determine your eligibility and premium rate, as pre-existing medical conditions may impact your coverage. It is important to note that CIBC's travel insurance does not cover losses or expenses incurred due to pre-existing medical conditions that were not stable or treated within a specific period before your trip, as outlined in their sample policy.
In addition to the comprehensive travel insurance plan, CIBC offers a Trip Cancellation and Trip Interruption Enhanced Plan, which reimburses insured non-refundable travel expenses if your trip is cancelled, interrupted, or delayed due to covered reasons. This plan also includes accidental death and dismemberment coverage, as well as baggage and personal effects insurance. CIBC also provides the option to purchase multi-trip annual insurance if you travel multiple times a year.
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Frequently asked questions
CIBC Travel Insurance provides protection for you and your family when you travel out of your province, territory of residence, or out of the country. It includes emergency medical coverage, trip cancellation and interruption insurance, and baggage and personal effects insurance.
You're eligible for CIBC Travel Insurance if you're a resident of Canada with a Canadian Government or Provincial/Territorial Health Insurance Plan for your entire trip. If you're 60 or older, you'll need to answer some questions about your medical history to determine your eligibility.
CIBC Travel Insurance covers eligible hospital and physician bills, expenses from accidental injury or sickness, paramedical services, dental treatment, and return travel costs to the nearest medical facility or home. It also offers trip cancellation and interruption coverage, as well as baggage and personal effects insurance.
CIBC Travel Insurance does not cover pre-existing medical conditions unless they are stable 90 days before your trip. It also excludes expenses incurred after being declared medically fit to travel, costs from travelling against a physician's advice, and certain high-risk activities like skydiving.
You can get a quote and purchase CIBC Travel Insurance online or by calling a licensed insurance agent at 1-800-281-9109. It is recommended to speak to an insurance advisor before purchasing to understand your specific needs and eligibility.
