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.

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.

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.

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.

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.

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.

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.

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.

No.

No.

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.

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.

Yes.

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.

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.

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.

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.

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.

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.

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.

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.

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.

No, Mobile Device Insurance is only triggered 91 days after your purchase. You may be covered by Purchase Security Insurance. Please check your Certificate of Insurance for further information.

Yes, provided you financed all or any portion of the purchase price with your eligible CIBC card through a Canadian wireless service provider’s installment plan. 
This coverage is in excess of any other insurance or compensation available to you.

Purchase price $800
Less depreciation cost - $224 ($800 X 2% X 14 months)
Depreciated value $576
Less deductible - $ 57.60 ($576 X 10%)
Reimbursement $518.40

This coverage is in excess of any other insurance or compensation available to you.

No, Mobile Device Insurance is only triggered if your mobile device is purchased with your eligible CIBC card on or after November 8, 2020.

No, Mobile Device Insurance is only triggered if your mobile device is purchased with your eligible CIBC card on or after February 1, 2021.

Coverage is available for eligible devices purchased on or after March 4, 2022 using your CIBC Costco®† Mastercard® or your CIBC Costco®† World Mastercard®

No, Mobile Device Insurance is only triggered if your mobile device is purchased with your eligible CIBC card on or after October 15, 2018.