CIBC Travel Medical Insurance

CIBC Travel Medical Insurance is underwritten by Co-operators Life Insurance Company.

Plan options

Choose a plan suited to your needs

Coverage highlights

Medical and dental

• Provides coverage for eligible hospital and physician's bills, expenses resulting from an accidental injury, or new sickness or disease 5
  
• Paramedical services, including those of a chiropractor, chiropodist, or physiotherapist, up to $500 if required as a result of a covered emergency
• Dental treatment for up to $4,000 coverage as a result of an eligible direct accidental blow to the mouth

Transportation

• Costs for return home or to the nearest appropriate medical facility by regular flight, medically escorted flight, air ambulance or ground ambulance
• Return home for dependent children or travelling companion who are insured and travelling with you
  
• A round trip economy airfare by the most direct route for the transportation of a relative to your bedside if you’re hospitalized as a result of a critical emergency

Convenience and comfort

• Meals and accommodation expenses up to $300 per day to a total of $1,000 when your trip is delayed beyond the scheduled return date because of a medical emergency or death
• Coverage extension for up to 72 hours if your trip is delayed beyond your coverage end date because of a medical emergency or other covered event
• Trip Break allows you to return to your province or territory of residence once without terminating your coverage

For a detailed summary of benefits, eligibility conditions, limitations and exclusions, review the sample Certificate of Insurance (CIBC Comprehensive Travel Insurance Plan) (PDF, 475 KB) Opens in a new window.

Pre-Existing Conditions Exclusion 5

Your Pre-existing Conditions Exclusion will be indicated on your confirmation of coverage. If you complete a medical questionnaire, your answers to the questions will determine the Pre-existing Conditions Exclusion that applies to you.

If you're age 59 or under

The insurance will not pay for losses or expenses incurred for, or as the result of:

• your medical condition that was not stable 90 days before your effective date; or
• any heart condition if you have used nitroglycerine in any form for a heart condition 90 days before your effective date; or
• any lung respiratory condition if you have an active prescription for or used home oxygen or prednisone for a lung/respiratory condition 90 days before your effective date; or
• an unrepaired aneurysm (4 cm or greater, measured in either length or diameter) that was diagnosed before the effective date; or
• any cancer (other than basal or squamous cell skin cancer or breast cancer treated only with hormone therapy) for which you received treatment 90 days before your effective date.

If you are age 60 or over

The insurance will not pay for losses or expenses incurred for, or as the result of:

• your medical condition that was not stable during the number of days indicated on your confirmation of coverage (either 90 or 180 days) before the effective date; or
• any treatment you received before the effective date.
• Travelling against the advice of a physician or a condition that was diagnosed as terminal prior to your effective date of coverage.
• Any medical consultation that is non-emergency or elective.
• Any sickness or injury that occurs in an area for which Global Affairs Canada issued a written warning prior to the effective date to avoid all travel, or to avoid non-essential travel, and the sickness or injury is caused by the reason(s) for the warning being issued.

The above is a summary only. There are other limitations and exclusions. For details regarding all limitations and exclusions, refer to the sample Certificate of Insurance (CIBC Comprehensive Travel Insurance Plan) (PDF, 475 KB) Opens in a new window. . In particular, refer to the sections entitled "Specific Conditions and Limits On Coverage” and "Specific Exclusions."

Travel Insurance sample quotes

Affordable travel coverage that goes wherever you go

Spring Break — some sun and fun in Cancun

Any time you leave your province or territory, make sure you're covered for unexpected medical emergencies. 1

Did you know: With the Multi Trip Annual Plan, coverage is valid for one year for trips outside of your province or territory, including a weekend getaway to Las Vegas or a last-minute shopping spree across the border. 1,2

Traveller profile: Single

Home province: Nova Scotia

Trip duration: 15 days

Sample quotes:

• Single Trip Plan Cost: $51.15*
• Multi Trip Annual Plan Cost: $86.29*

Family trip to the Maritimes

Whether by car, plane, or train, you're covered from the moment you leave your home province or territory.

Did you know: With the Multi Trip Annual Plan, coverage for a family is valid for one year for trips outside your province or territory of residence. 1,2

Traveller profile: Family – parents with two children

Ages: 39, 37, 6 and 4

Home province: British Columbia

Trip duration: 7 days

Sample quotes:

• Per Trip Plan Cost: $47.74*
• Multi Trip Annual Plan (8 days) Cost: $114.56*

* Sample quote is based on stated parameters and is for illustration purposes only. Your actual cost will depend on your information. Price quoted doesn’t include applicable taxes.

Ways to buy

Getting travel insurance may be the easiest part of your trip

Who is eligible?

You're eligible for CIBC Travel Insurance coverage if:

• You’re a CIBC customer;
• You are a resident of Canada who is covered by a Canadian Government or Provincial/Territorial Health Insurance Plan for the entire insured trip.

If you’re aged 60 or over, you’ll be asked some questions about your medical history to determine your eligibility for coverage and the applicable premium rate and pre-existing condition limitations and exclusions.

Get your quote in minutes 3

Get a quote by calling us

To get a quote and apply now, call a licensed insurance agent at 1-800-281-9109 Opens your phone app. .

If you’re aged 60 or over, you’ll be asked some health history questions to determine your eligibility for coverage and the applicable premium rate and pre-existing condition limitations and exclusions.

Right to Examine

Please review your Certificate of Insurance when you receive it to ensure it meets your needs. You have 10 days after purchase to return your Certificate for a full refund, provided you have not departed on your trip and a claim has not been incurred.

Travel Assistance

With CIBC Travel Insurance, you're more than covered

Call Allianz Global Assistance in the event of an emergency for help in your time of need.

• Emergency translation services provided in most major languages

• Escort and transportation home for your dependent children can be arranged

• Messages to your family can be made to inform them of your status

Allianz Global Assistance is also your starting point for claims.

Note: If you pay any expenses yourself, you must obtain original itemized receipts.

For pre-travel considerations to help maximize your travel enjoyment, review these Travel Tips.

Our partners

CIBC earns compensation from the insurer for the promotion of CIBC Travel Insurance plans.

Distributing firm

CIBC Travel Insurance is administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc. Allianz Global Assistance provides CIBC travel assistance and claims services in respect of all insurance coverage under CIBC Travel Insurance plans.

AZGA Insurance Agency Canada Ltd. operating as Allianz Global Assistance

The insurers

CIBC Travel Insurance plans are underwritten by Co-operators Life Insurance Company, which covers accident and sickness benefits, and The Sovereign General Insurance Company, which covers property and casualty benefits.

Co-operators Life Insurance Company

The Sovereign General Insurance Company

140 – 6700 Macleod Trail South East
Calgary, Alberta
T2H 0L3
1-800-510-0354 Opens your phone app.

More information about CIBC Insurance

Licensed sectors

CIBC Travel Insurance is licensed to sell damage insurance (broker) and insurance of person.

Registration number

CIBC is registered with the Autorité des marches financiers (AMF) under 600575. Verify CIBC on AMF’s site Opens in a new window.

Complaints

Are we not meeting all of your expectations? Follow Allianz’s complaint process Opens in a new window.

Terms and conditions

CIBC Travel Insurance is subject to eligibility conditions, limitations and exclusions, including pre-existing medical condition exclusions, which are contained in the Certificate of Insurance you receive following enrolment. Before applying, you can review a sample copy of the current Certificate of Insurance (CIBC Comprehensive Travel Insurance Plan) (PDF, 365 KB) Opens in a new window. . You can also call CIBC Travel Insurance at 1-800-281-9109 Opens your phone app. . Coverage will be voidable if you fail to disclose or misrepresent any material fact or circumstance affecting coverage.

The above descriptions of insurance and assistance services are general descriptions only and don’t constitute legal or insurance advice. In all cases, you should speak to an insurance advisor before acting.

1 The maximum duration of an insured trip including any extensions or top-ups cannot exceed your provincial or territorial maximum. For more information, contact your provincial or territorial health authority or visit their website.

2 Before your Multi Trip Annual Plan expiry date, you’ll be contacted by mail or email. If you select to be automatically re-enrolled at time of application, you’ll be notified of the premium amount for the new 12-month term, and your premium will be charged to the credit card that you provide when you first apply for coverage. If you don’t authorize automatic renewal of your Multi Trip Annual Plan, then you’ll be notified by mail or email that you’ll need to re-enroll if you want to maintain coverage.

3 CIBC Travel Medical Insurance is available by phoning Allianz Global Assistance at Opens your phone app. Opens a new window in your browser. 1-800-281-9109 Opens your phone app. . Or you can visit CIBC Travel Insurance.

4 Certain benefits are subject to maximum coverage limits specified in the Certificate of Insurance. CIBC Travel Medical Insurance is subject to a maximum aggregate coverage limit of $10 million per insured traveller per insured trip.

5 A pre-existing medical condition or symptom means a sickness, injury or medical condition, whether or not diagnosed by a physician, for which you had symptoms, or required or received medical attention, consultation or treatment, and which existed before your departure date or the effective date of your coverage.