cibc gold card travel insurance

CIBC Aventura ® Gold Visa* card review

Join and get up to $1,300 in value†! And get a one-time annual fee rebate.

• Rates & Fees
• Eligibility

2 Earn 2 points for every $1 spent on eligible travel purchased through the CIBC Rewards Centre†

1.5 points for every $1 spent at eligible gas stations, EV charging, grocery stores and drug stores†

1 point for every $1 spent on all other purchases†

20.99%† Purchase APR non-Quebec residents†

22.99%† Balance Transfer Rate 21.99% for Quebec residents†

22.99%† Cash Advance APR 21.99% for Quebec residents†

$139 Annual Fee First year annual fee rebate!†

2.50% Foreign Transaction Fee 2.5% of the transaction in CDN

Good Recommended Credit Score

$15,000† Required Annual Household Income

By Em Norton

• Best CIBC credit cards in Canada
• CIBC Select Visa* Card
• CIBC Dividend Platinum® Visa Card
• CIBC Dividend® Visa* Card
• Best Visa credit cards in Canada
• Home Trust Secured Visa
• CIBC Dividend® Visa Infinite* Card
• TD® Aeroplan® Visa Infinite* Card
• Best travel credit cards in Canada
• BMO Ascend™ World Elite®* Mastercard®*
• Rogers™ World Elite® Mastercard®
• Scotiabank Gold American Express® Card

The CIBC Aventura ® Gold Visa* Card is great for anyone who has consistent spending habits and wants to put those to use through travel rewards. Frequent travelers would benefit from using this card because of its elite opportunities and great rewards that make travel more affordable and specialized.

If you are able to use this card for essential purchases and consistently pay your balance, you can maintain great credit and reap awesome travel benefits!

Here is everything you need to know about the CIBC Aventura ® Gold Visa* Card.

Welcome offer

Welcome offer details.

• 15,000 Aventura Points when you make your first purchase †
• 20,000 Aventura Points when you spend $3,000 or more in net purchases in the first 4 monthly statement periods †

With the CIBC Aventura ® Gold Visa* Card, you earn:

• Earn 2 points for every $1 spent on eligible travel purchased through the CIBC Rewards Centre†
• Earn 1.5 points for every $1 spent at eligible gas stations, EV charging, grocery stores and drug stores†
• and 1 point on all other purchases†

Interest rates

The CIBC Aventura ® Gold Visa* Card has a 20.99% †  Purchase Annual Interest Rate, 22.99% †  (non-Quebec residents†) Cash Advance Annual Interest Rate, and a 22.99% †  (for non-Quebec residents only) Balance Transfer Annual Interest Rate.

Annual fees

This card has an annual fee of $139.00 ( First year annual fee rebate!†).

Extra perks

Insurance benefits.

Here is a list of the different forms of insurance this card provides you with:

• Mobile Device Insurance †
• Hotel Burglary Insurance †
• Purchase Security and Extended Protection Insurance †
• Flight Delay and Baggage Insurance †
• $500000Common Carrier Accident Insurance†
• Auto Rental Collision and Loss Damage Insurance †
• Out-of-Province Emergency Travel Medical Insurance †

Access to specialty experiences and travel

• Elevate your airport experience with 4 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program: over $261 in value.†
• Aventura points can be redeemed for flights with any airline, hotels, car rentals, merchandise, gift cards and more. †
• The Aventura Travel Assistant provides cardholders with access to personalized travel booking and trip planning with no booking fees. †
• Use Aventura Points to cover full airfare including taxes and fees. †

Discounts and Deals

• No blackout periods or restrictions, and points that don’t expire †
• Get a $67 value† NEXUS◊ application fee rebate†
• Car rental discounts available †

Pros and cons of the CIBC Aventura ® Gold Visa* Card

High value welcome offer

Minimal household annual income required

Exceptional points-redeemable travel opportunities and other perks

High annual fee (rebated for your first year)†

Eligibility requirements

To be eligible for this card you must:

• Be a Canadian resident at the age of majority in your province
• Have a minimum annual household income of $15000.00 †
• Have not declared bankruptcy within the past 7 years
• Have a Good credit score (>720)

How to earn and redeem Aventura points

You can maximize your rewards by using your CIBC Aventura ® Gold Visa* Card for most purchases, especially within the categories (eligible grocery stores, drugstores, and gas stations) where you can earn a higher amount of points. You can use your points to pay down your balance or pay your monthly balance on time and use the points towards special rewards.

You can redeem your points through the CIBC Rewards Centre on travel, gift cards, merchandise, or other experiences. The higher the amount of Aventura points you have, the more valuable rewards you can cash them in for. For example, saving up more Aventura points will give you more accessible travel opportunities to places that may be out of country or out of continent.

How does the CIBC Aventura ® Gold Visa* Card compare to other travel rewards cards?

The TD Aeroplan Visa Infinite Card is not available for residents of Quebec. For Quebec residents, please click  here .

† Terms and Conditions apply.

In this table, you can see some of the best features and essential info about comparable travel rewards credit cards we’ve reviewed.

There are plenty of things to consider when deciding on the most suitable travel rewards card for you. The earn rate and available options for rewards, as well as restrictions and /or flexibility of redeeming for those rewards are all important things to compare.

You should also consider the pros and cons of  different travel rewards programs . For example, the Scotiabank and CIBC cards have more transfer partners, whereas the  TD ® Aeroplan ®  Visa Infinite* Card  does not. Additionally, the  Scotiabank Passport ® Visa Infinite* Card  offers six Priority Pass Membership passes per year whereas the TD® Aeroplan ®  Visa Infinite* Card does not offer lounge access at all.

¹ Conditions Apply. Visit  here  for the Scotiabank Passport ® Visa Infinite* Card to learn more.

*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

Overall, The CIBC Aventura ® Gold Visa* Card is a great option for any frequent travelers and spenders. In order to earn the points you’d like to redeem on travel, you have to make sure your spending habits line up with the ways in which you can earn these points.

That being said, if you have a family and spend a good amount on both groceries and gas (and/or EV charging), this card is a sure-fire opportunity to earn points toward the travels of your dreams. Not only that, but there are other fun rewards and financial products available as a CIBC Aventura ® Gold Visa* Card cardholder.

The minimal income requirement can be great but do proceed with caution in applying for this card simply because you fit that requirement. You want to make sure you are able to manage this card in a smart way for your finances and lifestyle.

† Terms and Conditions apply

The information for the CIBC Aventura® Gold Visa* Card has been collected independently by Money.ca. The card details on this page have not been reviewed or provided by the card issuer.  This offer is not available for residents of Quebec.

The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content

Em Norton is a Staff Writer for Money.ca. Em holds a B.A. in Professional Writing from York University and has been writing professionally since 2019. Em's work has previously been published by Room Magazine, IN Magazine, Our Canada and more.

Compare other CIBC credit cards

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• $139 annual fee – First year free
• 15,000 CIBC Rewards points when you make your first purchase
• 20,000 Additional points when you spend at least $1,000 each month for the first year
• Earn 2 CIBC Rewards points per $1 spent on CIBC travel
• Earn 1.5 CIBC Rewards points per $1 spent on gas, grocery, and drugstore purchases
• Earn 1 CIBC Rewards point on all other purchases
• Visa Airport Companion Program + 4 free annual passes

The CIBC Aventura Gold Visa Card is often overlooked, but it’s a generous card. The annual fee of $139 is usually waived for the first year, so you can test it out for free. In addition, the welcome bonus is usually worth around 35,000 CIBC Aventura points. Since 1,000 Aventura points are worth $10, the welcome bonus is usually worth $350. That means you’re getting $350 for free as long as you meet the minimum spend requirement.

The other obvious travel benefit is the Visa Airport Companion Program membership and four freeannual passes. The membership and passes have an annual value of $280, so again, you’re getting a lot of value here. Some people may not care about the $50 NEXUS rebate , but there’s no denying the convenience if you go through the trouble of getting approved.

Interestingly enough, the earn rate of 2 points per $1 spent on travel purchased through the CIBC Rewards Centre, 1.5 points per $1 spent at gas stations, grocery stores and drugstores, and 1 point per $1 spent on all other purchases is identical to the CIBC Aventura Visa Infinite which has a significantly higher income requirement compared to the Gold card ($60,000 vs. $15,000)

I should mention that if you have a CIBC Smart Plus Account, the annual fee that comes with the CIBC Aventura Gold is waived.

CIBC Aventura Gold Visa Card insurance

The CIBC Aventura Gold Visa Card isn’t CIBC’s top-of-the-line travel credit card, but it still comes with a decent amount of insurance.

Travel insurance

• Travel medical – $5,000,000 / 15 days if under the age of 65
• Flight delay – $500 per occurrence for all insured persons combined / 4 hours
• Delayed/lost/stolen baggage – $500 per insured person / maximum of $1,000 / 6 hours
• Auto rental collision/loss damage – 48 days / MRSP $65,000
• Hotel burglary – $2,500 per occurrence for all insured persons combined 
• Common carrier accident – $500,000

Generally speaking, the travel insurance included with the CIBC Aventura Gold is decent, but it’s missing a few key things which is why I don’t consider it one of the best credit cards with travel insurance . There’s no trip cancellation and the card only covers you for 15 days if you’re under the age of 65 which may be a deal-breaker for some people. On a positive note, the travel medical insurance covers you up to $5,000,000 which is higher than some other travel credit cards, but it’s unlikely you’d ever need that much insurance.

Your flight delay insurance kicks in after 4 hours which is standard while delayed/lost baggage requires 6 hours before you can make a claim. Rental card and hotel burglary insurance are pretty standard but at least it’s included.

One good thing about the CIBC Aventura Gold travel insurance is that you only need to charge 75% of your travel expenses to your card for your insurance to be valid. The exception is travel medical which you get no matter what.

Purchase insurance

• Mobile device insurance
• Purchase security
• Extended protection insurance

Mobile device insurance has become quite popular with credit cards, but the CIBC Aventura Gold Visa Cards was one of the first to add it as a benefit. As long as you charge the full amount of your device to your card, you’re insured up to $1,000.

The purchase security insurance covers you from loss, theft, and damage within 90 days of your purchase. As for the included extended protection insurance, your manufacturer’s warranty is doubled, up to one additional year.

How CIBC Aventura Rewards works

CIBC Aventura Rewards is easy to understand and redeem since it takes 1,000 Aventura Points to get $10 in travel. Since the CIBC Aventura Gold earns you 1-2 points per $1 spent, your rate of return works out to be 1-2%.

That being said, you might get better value if you used the Aventura Airline Rewards Chart which is a fixed flight program. For 10,000 to 20,000 points you can claim a Canada or U.S. short-haul flight as long as it has a max base price of $400. Alternatively, a flight to Mexico, Alaska, Hawaii, Central America, and the Caribbean would only cost you 40,000 to 60,000 Aventura points with a max base price of $1,000. Keep in mind that sometimes CIBC has promos where it’ll take you fewer points to make a redemption.

To book your travel, you can go through CIBC Rewards account or you can call CIBC’s full-service travel agency. The benefit of calling in is that you get access to just about anything sold on Expedia or Orbitz that might not be available through the online portal such as tickets to theme parks.

How the CIBC Aventura Gold compared to others

The most similar card is the CIBC Aventura Infinite Visa  which usually has an identical sign up bonus, earn rate, annual fee. Heck, even all the benefits are the same except for travel insurance which is better for the Infinite card. If you earn an income over $60,000, then get the Infinite card, but the Gold version is a hella good card.

If you’re looking to earn points as quickly as possible and you’re able to charge a lot to your card in the first few months, you may want to look at the American Express Platinum Business card instead since the welcome is worth between 75,000 – 100,000 points.

When you compare the CIBC Aventura Gold to the other cards on my list of the best travel credit cards in Canada , it really stands its ground. Every card is different, but CIBC Aventura Rewards gives you quite a bit of flexibility with your points.

Final thoughts

My CIBC Aventura Gold review is positive. For a credit card that has a low minimum income requirement, it comes packed with benefits. CIBC Aventura Rewards are easy to understand so when you’re ready to make a redemption, you won’t have any problems.

About Barry Choi

Barry Choi is a Toronto-based personal finance and travel expert who frequently makes media appearances. His blog Money We Have is one of Canada’s most trusted sources when it comes to money and travel. You can find him on Twitter: @barrychoi

12 Comments

I want to offer a differing opinion on this card. The real value is in the details of CIBC’s travel rewards program because all of the non-travel rewards are well below 1% in value. If you compare the points you have to cash against the retail value of the merchandise, I was getting returns of 0.7% and below. Travel isn’t much better. Somehow, some flights that require X pts and $Y in taxes/fees on Aeroplan require X pts and 3x or 4x $Y in taxes/fees. Very disappointing.

I just got upgraded from to the Aventura Gold. They haven’t told me if I’m getting a credit limit increase though. What credit limit does it have? Or does the credit limit depend on the person and credo score? I currently have a 5000 dollar limit and I always make a minimum payment of 300 to 400 bucks a month or more.

Your credit limit would likely carry over from your old card. You could always ask for an increase. Always try to pay the full balance whenever your statement is due. If you pay anything less, you’ll incur some pretty big interest charges.

Thank you Barry

Hi Barry, i currently use the Scotia Infinite Momentum Visa and recieve between $800-$1000 cash back each year. I don’t use any travel points cards. Would you recommend any other supplementary cards for me to sign up for (credit or travel rewards)? The SIM will still be my main card, but want to take advantage of some travel rewards as well. Keep up the great work.

I think you need to ask yourself a few questions first

– Do you enjoy travelling? No point getting a travel card if you don’t like to travel – Are additional benefits important to you such as travel insurance, lounge access, etc.? – How comfortable are you with having multiple credit cards? To maximize your points, it’s really about the sign up bonuses – https://www.moneywehave.com/the-best-travel-credit-cards-in-canada/

If you’re earning $800 – $1,000 per year in cash back with the Scotia Infinite Momentum Visa, you’re either spending a lot a year or maximizing your return on the 4% categories. Most travel credit cards only give you a 1-2% base return, but your points can be more valuable with transfer partners. E.g. With the Amex Gold card, the points are worth 1%, but if you transfer to Aeroplan, they can be worth 3-4 X more. Of course, you also need to factor in blackout dates, taxes, and if you Amex is accepted where you travel.

If you happen to fly WestJet on a regular basis, the WestJet RBC Visa Infinite card is a great card.

I also like the Scotiabank Passport Visa Infinite card since it’s a good all in one travel card. It has a decent earn rate, no forex fees, and 6 annual lounge passes. Those passes alone are worth about $450 alone.

To me, it doesn’t make sense to have a premium cash back card AND a premium travel card unless you’re getting one of them for “free” either through your bank or the first year annual fee being waived.

Thanks Barry, we usually travel once a year for 7-10 days and I don’t think we’d take advantage of the lounge access etc…probably makes sense to stick with what we have and maybe get a couple new ones to to take advantage of the sign-up bonus. Do you recommend getting a stand alone air miles or aeroplan card, not connected to a cc?

I personally think Air Miles is a terrible program. Aeroplan is okay, but their co-branded credit cards aren’t the best e.g. I think the Amex Gold Rewards card where you can transfer your points 1:1 to Aeroplan is better than the TD Aeroplan Visa Infinite card.

I always favour taking advantage of sign up bonuses if you can meet the minimum spend. Always go for the ones that you can use in the near future. E.g. if you know you need to fly WestJet soon, get the card since you $250 WestJet dollars, free checked bags, and a companion voucher. Even if you’re not flying a specific airline, signup bonuses are worth it e.g. the BMO World Elite Mastercard gives you $250 in points as a sign up bonus and there’s a current offer where you get a $100 travel credit when you make a minimum travel purchase of $100 within the first six months of cardmembership as long as you apply by the end of March I believe.

In other words, it’s always worth monitoring promotions and sign up bonuses.

Im a CIBC ADVENTURA PLATINUM card holder right now but they are offering me to upgrade to GOLD, Is that a Good offer or what? And does affect my credit limit?

Good is a relative term as in the end, it depends on what you want. The GOld card does give you a higher earn rate, but it also comes with an annual fee of $139, whereas the CIBC Aventura Visa has no annual fee. In theory, if you accept the upgrade, there should be no change to your credit limit. They may even increase it.

The point I’m trying to make is that you don’t need to stick with CIBC. If you’re looking for a better credit card, you should shop around.

HI, My wife intends travelling in the near future. My aventura visa platinum does no longer qualify for airport lounge passes. CIBC has asked me to upgrade to Gold or Infinity. not sure which one is better. Also can my wife use the lounge passes if I am not travelling with her.

Hey Walter,

The cards are almost identical. The Aventura Visa Infinite has slightly better benefits. Your wife can only use the lounge passes if you’re travelling with her.

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• Travel Insurance

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CIBC Travel Insurance Review 2024

Updated: Feb 28, 2024, 5:49am

CIBC offers comprehensive travel insurance in three base plans. There’s nothing flashy about CIBC’s coverage options, but it may be worth considering if you want to boost the coverage of your travel credit card . Plus, the COVID-19 Insurance & Assistance Plan is a useful option if you’re worried about testing positive while travelling. However, if you’re concerned about a catastrophic accident happening, this benefit has a very low payout. While CIBC travel insurance is slightly cheaper than the other plans offered by the other Big Banks, you need to be a CIBC client to be eligible.

• Generous medical maximum
• Comprehensive coverage
• Easy quote process
• COVID-19 Insurance & Assistance Plan
• Must be a CIBC client to be eligible
• No plan upgrades or add-ons
• Low accidental death & dismemberment limit
• No Cancel For Any Reason (CFAR) option

Table of Contents

About cibc travel insurance, what travel insurance does cibc offer, cibc insurance travel insurance plans, summary: plan comparison, cibc insurance travel insurance cost, comparing cibc travel insurance with other insurers, optional add-ons for cibc travel insurance, does cibc travel insurance offer any discounts, does cibc travel insurance offer annual multi-trip plans, cibc travel insurance 24/7 travel assistance, does cibc travel insurance have cancel for any reason (cfar), does cibc travel insurance have interruption for any reason (ifar), cibc travel insurance and pre-existing medical conditions, cibc insurance travel insurance exclusions, cibc travel insurance eligibility, how to file a claim with cibc travel insurance.

CIBC is a leading North American financial institution with 13 million personal banking, business, public sector and institutional clients. CIBC offers a full range of advice, banking solutions and personal financial services across Canada, the U.S. and around the world.

CIBC Travel Insurance is administered by Allianz Global Assistance that provides travel assistance and claims service.

CIBC Travel Insurance is underwritten by Co-operators Life Insurance Company (group accident and sickness insurance) and The Sovereign General Insurance Company (individual property and casualty insurance policy).

Here are the key types of travel insurance coverage offered in CIBC plans:

• Emergency medical insurance: If you get ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the coverage limits in your plan. These expenses can include doctor and hospital bills, medication and lab work, as well as medical evacuations, repatriation and arranging for a bedside companion if you are hospitalized.
• Trip cancellation insurance: If you cancel a trip for a reason listed in your travel policy, such as you or your travelling companion becoming ill, weather conditions cause a massive delay or you lose your job, trip cancellation insurance can reimburse you for prepaid, non-refundable costs.
• Travel interruption or delay insurance: Trip interruption insurance can pay for a last-minute flight home in an emergency and reimburse money that you lose by cutting a trip short due to a covered reason, including non-refundable activities and hotel stays. If your flight is delayed , your insurance can cover the cost of incidentals, such as meals or accommodations, after a specified period of time, such as 10 or 12 hours.
• Baggage insurance: Baggage travel insurance can compensate you up to your policy limits if your luggage is lost or stolen. It will reimburse the depreciated value of your suitcases and what you packed. If your bags are delayed, it can reimburse you for the cost of the necessities you’ll have to buy to tide you over. It also extends to your personal belongings, if they are lost, damaged or stolen.
• Travel accidental death & dismemberment insurance: This coverage offers compensation in the event of accidental death or catastrophic injury from an accident during your trip. This is different from flight accident insurance that covers injury while you’re on a commercial plane, during a connection or in an airport.

CIBC travel insurance offers three core plans for travelling outside of Canada, plus a specialized plan for travellers concerned about COVID-19.

Comprehensive Travel Insurance Plan: This is the most comprehensive plan offered by CIBC. It includes coverage for unforeseen medical emergencies, trip cancellation and interruption, accidental death and dismemberment coverage, and baggage and personal effects insurance.

Emergency medical treatment includes:

• Hospital accommodation in a private or semi-private room
• Services of a legally licensed physician, surgeon, anaesthetist or nurse
• Paramedical services, such as care from a chiropractor, osteopath, physiotherapist, chiropodist, acupuncturist or podiatrist, up to $500 per profession
• Lab tests and X-rays
• Local air, land or sea ambulance services, including mountain or sea evacuation
• Rental of crutches or a hospital-type bed, and the cost of splints, trusses, braces or other prosthetic appliances
• Emergency outpatient services
• Prescription drugs or medication, up to 30-day supply, to a $1,000 maximum
• Emergency dental due to a blow to the face, up to $4,000, plus an additional $1,000 upon return to Canada
• Emergency dental due to pain, up to $500

Medical benefits also include coverage to bring someone to your bedside, expenses for meals, hotel accommodations and associated expenses if you are hospitalized and/or if a medical delay prevents you from returning home, repatriation expenses and return of your remains if you die.

It’s important to note that if you purchase your coverage after you leave on your trip, there is a 48-hour waiting period for any illness.

Travel Medical Insurance: If you’re only worried about medical emergencies while travelling, this benefit offers all of the medical coverage listed above.

Trip Cancellation and Trip Interruption Enhanced Plan: This coverage option reimburses you for insured non-refundable travel expenses (such as hotels or prepaid excursions) if you have 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.

Travel Medical Insurance—COVID-19 Insurance and Assistance Plan: If the Government of Canada has issued a Level 3 Travel Advisory for COVID-19 (Avoid non-essential travel), this plan provides emergency medical and quarantine expenses if you test positive while on your trip. This insurance covers expenses related to COVID-19 only. You need to call a licensed CIBC insurance agent for a quote and to apply for this coverage

We’ve highlighted the key benefits of CIBC travel insurance for the single trip plans to help you identify which coverage is the best fit for you.

(*) Combined maximum of $5,000 if you are hospitalized or your return home is delayed due to a medical emergency. This benefit also includes child care costs.

The price of a CIBC travel insurance plan depends on factors such as the cost of your trip, your age and the amount of coverage you choose.

Here are some examples of the cost for CIBC travel insurance single trip plans for healthy travellers based in Ontario.

(i) Travellers over age 60 need to get a quote and buy insurance separately.

Emergency medical: $5 million Cancel For Any Reason: Yes, 50% to 75% Baggage insurance (maximum): $1,500

Related: CAA Travel Insurance Review

• TD Bank Travel Insurance

Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): None

Related: TD Bank Travel Insurance Review

RBC Insurance

Emergency medical: Unlimited Cancel For Any Reason: No Baggage insurance (maximum): $1,000

Related: RBC Insurance Travel Insurance

CIBC does not offer additional add-ons, endorsements or upgrades for its travel insurance.

Yes. You can buy multi-trip annual insurance if you travel more than once a year for multiple individual trips. CIBC travel insurance offers an annual plan that covers you for up to eight days or 18 days per trip.

Worldwide emergency travel assistance is available 24/7 by calling CIBC’s claims and assistance partner Allianz Global Assistance. When you have a travel emergency, depending on your coverage, the following support may be available:

• Monitoring the status of your medical case
• Communicating between the patient, family physician, employer, travel company, consulate, etc.
• Coordinating emergency medical transportation for you, as well as escort and transportation home for stranded dependent children and family members
• Returning your remains if you die away from home
• Emergency cash transfer services between you and your friend, family member, business or credit card company
• Emergency messaging services
• Replacing lost or stolen airline tickets
• Contacting a local attorney or consular office if you are arrested or detained, are in a traffic accident or require legal help
• Coordinating bail bond services

You must notify the Operations Centre within 24 hours of admission to a hospital and before any surgery is performed. If you don’t without reasonable cause, CIBC will only pay 80% of the claim amount.

The Operations Centre of Allianz Global Assistance also provides non-emergency trip services, such as:

• Passport and visa information
• Health hazards advisory
• Inoculation requirements
• Weather information
• Currency exchange information
• Consulate and embassy locations

A pre-existing condition is defined as any sickness, injury or medical condition that existed before the start of your coverage, whether or not diagnosed by a physician, that you showed signs or symptoms of or received medical attention for.

With a CIBC policy, any pre-existing conditions must be stable for 90 or 180 days, depending on your age, before the start of your policy to be eligible for coverage.

According to CIBC, a medical condition is considered stable when all of the following are true:

• There has been no new treatment.
• There has been no change in treatment or change in treatment frequency or type.
• There have been no signs, symptoms or new diagnosis.
• There have been no test results showing deterioration.
• There has been no hospitalization.
• There has been no referral to a specialist (made or recommended) and you are not awaiting surgery or the results of further investigations performed by any medical professional.

Exceptions to this stability requirement include routine adjustments of insulin, Coumadin or warfarin, change from a brand name to a generic medication or minor ailments.

In addition, CIBC has a number of age- and condition-specific exclusions, including:.

For policyholders aged 59 and younger, benefits are not payable due to:

• Any medical condition (other than a minor ailment) that was not stable during the 90 days before your effective date
• Any heart condition if you have used nitroglycerine during the 90 days before your effective date
• Any lung or respiratory condition if you have a prescription for or used home oxygen or prednisone in the 90 days before your effective date
• Any cancer (with some exceptions) if you have received treatment in the 90 days before your effective date
• An unrepaired aneurysm of 4 cm or greater diagnosed before your effective date

For policyholders aged 60, benefits are not payable due to:

• Any medical condition that was not stable during the 90 or 180 days before your departure date
• Any medical condition for which you received treatment at any time before your departure date

In addition to pre-existing condition exclusions, there are a number of scenarios not covered by travel insurance and it’s critical to know what not to do before you make a claim. The following are listed exclusions to coverages provided by CIBC travel insurance:

• Any further expenses incurred after you are declared medically fit to travel
• Any costs incurred as a result of travelling against the advice of a physician
• Mental or emotional disorders, including anxiety or depression
• Suicide, attempted suicide or self-inflcted injury
• Chronic use of alcohol or drugs, intoxication by alcohol, prohibited drugs or prescription medication
• Non-compliance with prescribed treatment or medical therapy
• Any non-emergency or elective treatment, palliative care or alternative therapy
• Routine prenatal or postnatal care, complications in the nine weeks before your expected due date, a high risk pregnancy or a child born on the trip
• If you return due to a medical emergency and then choose to resume your trip, no additional benefits will be paid due to recurrences or complications
• Further benefits if you choose not to return home
• Any injury as a result of training for, competing in or participating in motorized speed contests, high-risk activities, stunt activities, professional sport activities, mountain climbing or rock climbing (with or without the use of equipment)
• Any sickness or injury where there is an active travel advisory and the sickness or injury is due to the reason for the warning
• Any act of war, kidnapping, nuclear occurrence, act of terrorism, any unlawful visit, any criminal offence or illegal act
• Operating, learning to pilot or acting as a crew member on any aircraft

To be eligible for CIBC travel insurance you must be:

• A CIBC client
• A Canadian resident
• At least 15 days old and no more than 89 years old
• Insured for benefits under a Canadian government health insurance plan during the entire coverage period

You are not eligible for coverage if you:

• Have received treatment for cancer in the last three months (with the exception of treatment for basal cell or squamous cell skin cancer or breast cancer treated only with hormone therapy)
• Have a diagnosed unrepaired aneurysm of 4 cm or greater
• Require assistance with any of the following as a result of a medical condition or state of health: Eating, bathing, using the toilet, changing positions (including getting in or out of bed or a chair) or dressing

You can file a claim 24/7 by visiting the Allianz Global Assistance online claims portal or by calling the Operations Centre for a hard copy of the claims form. You can complete the claim form in writing or by using the fillable PDF format, then send your completed form, along with any required documentation, to the mailing address or email provided. Non-medical benefits and out-of-pocket expenses can be submitted through the claims portal.

You must report your claim within 30 days of occurrence and submit your completed claim form within 90 days.

If you are making an emergency medical claim, documentation may include (but is not limited to):

• Original bills and receipts
• Medical records, including an emergency room report and diagnosis from the medical facility or a medical certificate completed by the treating physician
• Completed appropriate provincial/territorial government health insurance plan forms

For a trip cancellation and trip interruption claim, you may be asked to provide:

• A medical certificate
• A death certificate
• Itemized invoices confirming the amount paid for your trip, including the cost of airfare, hotels, taxes, services fees and any other expenses
• Proof of payments, such as a credit card statement, copy of a cancelled cheque or copy of the official receipt issued by the travel agency
• A statement of refund by the travel supplier
• Original unused airline tickets (if you did not get a refund)
• Tour operator terms and conditions
• New replacement airline tickets
• Original receipts for out-of-pocket expenses

If you are making a baggage insurance coverage claim, you will need to provide:

• A completed claim form with a brief explanation of the incident leading to the loss
• Itemized list detailing the value of all lost or stolen items, together with proof of ownership, such as receipts, photos, credit card statements, owner’s manuals, etc.
• Copy of correspondence from any other source that may cover this loss, confirm payment or deny liability
• Copy of airline tickets and itinerary confirming departure and return dates

If you are making a travel accidental death and dismemberment insurance claim, you may need to provide:

• Police reports (including any witness statements), medical certificate, death certificate, and/or coroner’s report

Frequently Asked Questions (FAQs)

Does cibc travel insurance pay for medical costs upfront.

According to the company, “wherever possible, the Operations Centre will arrange to pay the provider directly for approved eligible travel medical insurance expenses.”

Does CIBC travel insurance offer coverage extensions?

Yes. Your coverage is automatically extended for 72 hours due to a transportation delay scheduled before your policy’s expiry date. If you or your travelling companion are hospitalized, your coverage is extended for the period of hospitalization, plus up to five days after discharge. If you or your travelling companion is unfit to travel due to a medical emergency that does not require hospitalization but makes you unfit to travel, your coverage is automatically extended for up to five days.

If you want to stay longer on your trip, you can apply for a new term of coverage if you apply before the expiry date of your policy, you’re in good health and you have no reason to seek treatment during the new term. If you have already incurred a claim, CIBC will review your file before deciding whether or not to grant an extension.

Does CIBC travel insurance cover COVID-19?

If there is no Government of Canada travel advisory related to COVID-19 in place on your departure date, emergency medical treatment for COVID-19 will be covered. However, if a Level 3 travel advisory (Avoid non-essential travel) or Level 4 travel advisory (Avoid all travel) for your destination or type of travel (such as a cruise) is in effect and you contract COVID-19 while travelling, no emergency benefits will be paid.

As COVID-19 is a known event, trip cancellation or trip interruption claims will not be paid unless:

• You have trip cancellation benefits and you become ill with COVID-19 before you leave on your trip and you need to cancel
• You have trip interruption benefits and you become ill with COVID-19 while on your trip and you need to interrupt your trip as a result, if there are no Level 3 or Level 4 travel advisories in effect

If you are concerned about COVID-19, the Travel Medical Insurance—COVID-19 Insurance and Assistance Plan has provisions specifically for COVID-19. However, like with all insurance, there are exclusions to this coverage.

Does CIBC travel insurance require a medical questionnaire?

Yes. Travellers aged 60 or over are required to complete a health questionnaire to determine your applicable premium rate. The insurer notes that if you complete your medical questionnaire incorrectly, your insurance may be voided and your premium returned.

Does CIBC travel insurance have any age restrictions?

Yes. Travellers must be at least 15 days old and no older than 89 years of age.

When does my coverage with CIBC travel insurance begin?

In general, if you purchase cancellation coverage, it begins the day you buy your policy and ends the day when you make a claim or leave on your trip. Your medical and interruption coverage, if purchased, begins when you leave home. Your delay coverage begins once an insured risk prevents you from returning home as scheduled.

Does CIBC travel insurance offer a free look period?

Yes. You have 10 days after purchase to review and return the certificate for a full refund, as long as you have not left on your trip and a claim has not been incurred.

Can I get a refund with CIBC travel insurance?

After the 10 day “free look” period, a refund will only be issued before you leave for your trip if:

• Your travel supplier cancels your trip and all penalties are waived
• Your travel supplier reschedules your trip and all penalties are waived
• You cancel your trip before any penalties come into effect

Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

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• Travel Insurance

Travel Tips

Pre-travel considerations to help maximize your travel enjoyment, as you get ready for your trip, don't forget to:.

• Update all necessary vaccinations, if required
• Buy CIBC Travel Insurance
• Leave your contact information and itinerary with family or friends
• Determine how you’ll carry all necessary travel documentation such as passports, visas, proof of citizenship, etc.
• Update and bring a list of important phone numbers, including your bank, credit card centre, doctor, etc.

It is important that your home is looked after and looks occupied while you're away. Arrange for someone to:

• Care for your pet and plants
• Shovel the snow or cut the grass
• Collect your mail and other delivered items

You may want to prepare for your trip by:

• Paying bills that are due while you're away
• Buying foreign cash
• Buying a CIBC Smart ™ Prepaid Travel Visa * Card

Interested in buying CIBC Insurance Travel Coverage?

CIBC Travel Medical Insurance CIBC Comprehensive Travel Insurance CIBC Trip Cancellation & Trip Interruption Enhanced Plan

CIBC Travel Medical Insurance is available at cibc.com/travel . You can also call Allianz Global Assistance at 1-800-281-9109 Opens your phone app. .

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 the 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

700 Jamieson Parkway Cambridge, Ontario N3C 4N6 519-742-2800 Opens your phone app.

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

1920 College Avenue Regina, Saskatchewan S4P 1C4 1-800-454-8061 Opens your phone app.

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 Travel Insurance

Licensed sectors.

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

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

Select your country and language

Please note: Multilanguage sites do not provide full access to all content on CIBC.com. The full CIBC website is available in English and French.

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CIBC Aventura® Gold Visa* Card

Updated on: July 4, 2024

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15,000 Aventura Points when you make your first purchase† 30,000 Aventura Points when you spend $3,000 or more in the first four monthly statement periods† Total of up to 45,000 Aventura Points†

Annual interest rates:

20.99% purchase 22.99% cash advance (21.99% for Quebec residents) 22.99% balance transfer (21.99% for Quebec residents)

Earning rate:

2 Aventura Points per dollar spent on eligible travel purchases via the CIBC Rewards Centre† 1.5 Aventura Points per dollar spent on eligible gas, grocery stores, EV charging, and drugstores† 1 Aventura Point per dollar spent on all other eligible purchases†

Perks & benefits:

Four lounge visits through Visa Airport Companion Program† NEXUS Application Fee rebate† EV charging multiplier†

The CIBC Aventura ® Gold Visa * Card is a near identical copy of the CIBC Aventura® Visa Infinite* Card , with a lower minimum income requirement and less travel insurance.

Bonuses and Fees

The CIBC Aventura ® Gold Visa * Card is currently offering an elevated bonus of up to 45,000 Aventura Points, †  structured as follows:

• 15,000 Aventura Points when you make your first purchase†
• 30,000 Aventura Points when you spend $3,000 (CAD) or more in the first 4 monthly statement periods†

The $139 annual fee is currently rebated in the first year † ; otherwise, if that offer weren’t available, it can be rebated if you have a CIBC Smart Plus Chequing Account . 2

Earning Rewards

• Earn 2 Aventura Points per dollar spent on eligible travel booked through the CIBC Rewards Centre †
• Earn 1.5 Aventura Points per dollar spent on eligible gas, groceries, electric vehicle charging, and drugstores †
• Earn 1 Aventura Point per dollar spent on all other eligible purchases †

Redeeming Rewards

CIBC Aventura Points can be redeemed in a variety of ways. However, the most valuable way to redeem Aventura Points is on travel purchases. For example, you can redeem Aventura Points for eligible flights booked through the CIBC Rewards Centre at a rate of 1 cent per point. However, you can also redeem CIBC Aventura Points for eligible travel booked in any way at an elevated rate of 1.25 cents per point (cpp) , which is twice the usual redemption value for flexible travel bookings. This is the best flexible travel redemption rate for fixed-value points in Canada. Keep in mind that you must make the redemption while the transaction is still pending, and that CIBC may change or withdraw this promotional offer at any time. You can also use CIBC Aventura Points towards an $800 (CAD) airline ticket in the “Canada and U.S. (Long-Haul)” category on the Aventura Flight Rewards Chart , which could increase the value of your points from 1 cent per point (cpp) to 2.28 cents per point. Generally speaking, it's recommended to redeem Aventura Points via the Aventura Flight Rewards Chart whenever possible, since it offers the maximum value for your points. It's worth noting that this must be done through the CIBC Rewards Centre. However, Aventura Points can also be useful for offsetting the cost of travel that's otherwise difficult to book with points. For example, Aventura Points can be used to cover the cost of eligible independent hotels, short-term rentals, car rentals, trains, or flights that can't be booked with other airline- or hotel-specific loyalty programs.

Perks & Benefits

As the primary cardholder, you’ll enjoy four complimentary lounge visits per membership year for you and any guests, which can be used at 1,200+ lounges globally through the Visa Airport Companion Program . † Four lounge visits per year can be useful if you don't tend to travel very often and don't otherwise have lounge access with another credit card. Another unique feature is the NEXUS application fee rebate, which provides one rebate every four years towards the up to $100 (CAD) of the cost of your NEXUS application. † NEXUS is a frequent traveller program designed to speed up your travels between Canada and the United States, and you’ll receive a full rebate simply by charging the application fee to your CIBC Aventura ® Gold Visa * Card. It's worth noting that the NEXUS application fee is $50 (USD). Since the NEXUS application fee rebate covers up to $100 (CAD), you won’t be on the hook for any extra fees, and you’ll be able to cover two NEXUS applications to boot. Cardholders of the CIBC Aventura® Gold Visa* Card can save up to 10¢ per litre at participating Pioneer, Fas Gas, Ultramar, and Chevron gas stations.† To benefit from this discount, you'll need to link your card with Journie Rewards, and then make qualifying purchases at eligible gas stations.†

Insurance Coverage

The CIBC Aventura ® Gold Visa * Card is effectively a version of the CIBC Aventura ® Visa Infinite * Card for those who don't meet the higher income requirements. In fact, insurance is the only major aspect in which these two cards differ.

There’s also Mobile Device Insurance available to cardholders.† By paying for your smartphone, tablet, or smartwatch using your CIBC Aventura ® Gold Visa * Card, you’ll get coverage of up to $1,000 in the event your mobile device is lost, stolen, or accidentally damaged, for up to 24 months!†

That can be beneficial for many people, and so the next time you’re in the market for a new mobile device, it’s worth considering using the CIBC Aventura ® Gold Visa * Card to fund your purchase.

Terms and Conditions apply.† This is a digital-exclusive offer.† To be eligible for this offer: 1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and 2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you.† This offer is reserved for you. Please do not forward it to anyone else. CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Aventura card within the last 12 months.†    

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7 Best Cheap Travel Insurance Companies in July 2024

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Finding the cheapest travel insurance is often a priority for travelers hoping to protect themselves and their finances while away from home.

But is it better to err on the side of affordable travel insurance or opt for a more comprehensive plan? That depends on your needs .

On average, a comprehensive plan that covers some combination of trip cancellation and interruption costs, medical coverage and baggage protection (and perhaps a number of other things) will cost you 5%-10% of what you paid for the trip, according to NerdWallet partner Squaremouth, a travel insurance marketplace.

That means a comprehensive policy for a trip that costs you $3,000 could run you anywhere between $150 and $300. Factors like the cost and length of your trip, the age of the travelers and how much protection you want can significantly influence what you pay for your plan.

Ultimately, Squaremouth recommends “the least expensive policy that offers the coverage [travelers] need.”

» Learn more: The best travel insurance companies right now

Factors we considered when picking cheap travel insurance plans

We considered a few factors as we looked for the most affordable travel insurance plans.

Price: If your goal is to find cheaper travel insurance, you want the price to be affordable.

Breadth of coverage: The best budget travel insurance is typically going to be a plan that offers a wide range of protections at an affordable cost, ensuring you’re protected with at least some coverage for a wide range of scenarios.

Uniqueness or customizability : While many travel insurance plans have similar protections, some stand out for particular coverage that can be helpful to certain travelers, like those needing to Cancel For Any Reason , those going on a cruise, or travelers with preexisting health conditions. We didn’t spring for the priciest plans with broad, deep coverage; instead, we picked those that meet a sort of budget "sweet spot" when it comes to cost efficiency.

» Learn more: Is travel insurance worth getting?

An overview of the best cheap travel insurance plans

We looked at travel insurance quotes for a hypothetical 10-day trip to Italy in October 2023. The traveler is a 40-year-old man living in North Carolina who spent $2,000 on the trip, including airfare.

Reliable but cheap travel insurance providers

1. axa assistance usa (silver plan: $70).

Why we picked it:

The $500 missed connection benefit is great for cruise and tour participants. It covers additional transportation, accommodations and meal costs when you miss a cruise or tour departure.

Full trip cancellation and interruption coverage, along with up to $25,000 for out-of-pocket medical costs and baggage coverage.

Among the lowest prices we found.

If you’re willing to spend a bit more than AXA's $70 Silver plan, a Gold plan only costs $19 more and gets you deeper coverage amounts and up to $35,000 in collision rental car insurance.

2. Berkshire Hathaway Travel Protection (ExactCare Value plan: $56)

Cheapest plan we found while still offering a wide array of protections.

Includes a preexisting medical condition waiver.

Add-on rental car collision coverage optional for $10 per day. You can pick how many days you want the additional coverage — it’s not all or nothing.

At $56, this plan comes in at less than 3% of the $2,000 trip cost.

3. IMG (iTravelInsured Lite plan: $77)

Treats COVID-19 like any other illness, which is to say, if your claim accepts flu, strep throat or appendicitis as an acceptable, covered condition, the coronavirus is, too.

Covers costs related to trip interruption up to 125% 

Higher than normal limits on dental expenses, at $1,000. If your teeth are your Achilles heel (or your biggest fear), this plan might be for you.

The iTravelInsured Lite plan doesn’t offer some of the bells and whistles that other plans do, like rental car coverage , Cancel For Any Reason coverage or waivers for pre-existing conditions. But you’ll have relatively solid across-the-board trip protections.

4. John Hancock (Silver plan: $93 for a mid-tier plan)

Mid-level plan (as opposed to a basic plan) at an affordable price for travelers who want more coverage without paying too much.

Includes an optional Cancel For Any Reason add-on for travelers wanting flexibility. It is a bit pricey, at half the cost of the insurance ($46.50 extra for a $93 plan).

Reimburses up to $1,000 for lost baggage , far more than many basic plans.

Add-on rental car coverage for $9 per day.

At $88, John Hancock’s basic (Bronze) plan isn’t particularly affordable. But for just $4 extra, you can tap into the benefits of a mid-tier plan at still less than 5% of the total trip cost.

5. Nationwide (Essential plan: $76)

Includes a preexisting conditions waiver.

Add-on rental car coverage for $90. 

Covers trip interruption at 125% of the trip cost while providing comprehensive emergency medical and baggage coverage.

6. Seven Corners (Basic plan: $75)

On top of standard trip protections, it includes a relatively affordable Cancel For Any Reason option for $31.50 extra.

If you plan to rent expensive sporting equipment, you might consider paying $10 extra to cover lost, damaged, stolen or destroyed gear.

COVID-19 coverage reimburses you for costs incurred if you have to quarantine .

Rental car coverage comes in at an affordable $7 per day.

Seven Corners’ Basic plan stands out because it offers a little bit of everything, appealing to athletic travelers, those who need affordable trip protections, those who want the flexibility to cancel for any reason and those still concerned about getting quarantined due to COVID-19.

7. Travelex Insurance Services (Basic plan: $71)

Straightforward: What you see is what you get. This plan’s coverage has fewer rules and caveats than many. 

While not sporting the highest coverage amounts, it offers a solid range of protections to ensure you get at least something back when your travel is disrupted or you have a medical emergency.

Offers add-on rental car coverage for $10 per day.

At $71, the Travelex Basic plan’s cost is just over 3% of the $2,000 trip’s cost.

If you want to get travel insurance at the cheapest possible rate, here’s a trick. Put $0 as your trip cost, Stan Stanberg, co-founder of comparison site Travelinsurance.com said in an email.

“When excluding trip cancellation and trip interruption coverage the cost of a travel insurance plan goes down significantly,” Stanberg said.

That means you won’t get reimbursed if you need to cancel your trip or if it gets interrupted. But you may still have access to the plan’s medical, trip delay , missed connection, baggage and other protections.

You’ll often find comprehensive travel insurance plans cost 5%-10% of your total trip cost, according to Squaremouth. This will often get you full trip cancellation and trip protection, baggage protection, emergency medical coverage and often other benefits.

Typically, the more you pay, the broader and deeper the coverage.

For many plans, you can purchase travel insurance up until you depart. However, to get access to the most protections possible, booking two days to two weeks after making your initial deposit is the best rule of thumb.

That means you won’t get reimbursed if you need to cancel your trip or if it gets interrupted. But you may still have access to the plan’s medical,

, missed connection, baggage and other protections.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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• Travel Insurance

Claims overview

What to do in an emergency, in an emergency, call allianz global assistance.

Travel assistance is available to you 24 hours a day, 7 days a week.

From Canada or the U.S., call  1-800-281-9109 Opens your phone app. .

From all other locations, call collect  1-416-340-6524 Opens your phone app. .

An agent will refer you to the nearest available medical facility, arrange billing on your behalf whenever possible, and give you important information about the claims process.

In a serious medical emergency, get to a hospital. Have a family member or friend call on your behalf once you’re at the facility and within 24 hours of admission.

You must notify Allianz Global Assistance:

• Prior to receiving any medical treatment
• If you must cancel, interrupt or delay your trip
• If you experience any emergency

Failure to notify Allianz Global Assistance will delay the processing and payment of your claim and may limit the amount of your claim payment.

Please note, your purchased travel insurance is separate from the coverage included with your CIBC credit card. 

Learn more about the travel coverage included with your CIBC credit card Opens in a new window.

How to file a claim

Visit the allianz global assistance claims portal opens in a new window..

• The online Claims Portal offers a smoother, more efficient experience while keeping you informed of what’s happening at each stage of your claims journey.
• Have a copy of your Certificate of Insurance handy when submitting your claims online. If you don’t have your Certificate of Insurance, call Allianz Global Assistance at 1-800-281-9109 Opens your phone app. .
• If your coverage includes non-medical benefits, such as Trip Cancellation, Trip Interruption and Lost or Delayed Luggage, you can submit your claim online for faster processing through Allianz Global Assistance’s secure Claims Portal Opens in a new window. .
• You can also submit claims for out-of-pocket expenses for emergency medical treatment through the Claims Portal, or by calling Allianz Global Assistance for a claim form.

Obtain a claim form

• Obtain a claim form within 30 days of occurrence by calling Allianz Global Assistance.
• Complete the claim form in writing, or by using the  fillable PDF format.
• Send your completed form to the mailing address or email provided in the form, along with any required documentation listed in your Certificate of Insurance or your claim form.
• Submit your completed claim form within 90 days of the date the service was provided or the emergency situation occurred.
• All claims must be reported within 30 days of occurrence.

For more detail about claims, refer to the sample Certificate of Insurance (CIBC Comprehensive Travel Insurance Plan) (PDF, 475 KB) Opens in a new window.

You can receive Virtual Care!

• Virtual Care is a service provided by Allianz Global Assistance that offers tele-medicine support such as “Tele-Advice” and “Tele-Consultations” from qualified medical doctors (MDs) anywhere in the world. The service is provided in real time via video conference through your computer, phone or internet-accessible device.
• This convenient service can help you receive non-emergency care based on your specific needs and symptoms. For example, you can receive care for an insect bite that is not serious or mild headache that may be related to jetlag.
• Tele-Advice includes an initial consultation and advice from an MD, accessed through a web-based link provided by Allianz via email.
• Tele-Consultation provides consultation with an MD that may also include confirmation of a diagnosis and issuance of a prescription that you can access via a downloadable application. 
• Please note that Virtual Care is an optional service offered by Allianz’s claims services.

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

4273 King Street East Kitchener, Ontario N2P 2EP 519-742-2800 Opens your phone app.

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

1920 College Avenue Regina, Saskatchewan S4P 1C4 1-800-454-8061 Opens your phone app.

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.

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. 1  Before applying, you can review a sample copy of the current  Certificate of Insurance (CIBC Comprehensive Travel Insurance Plan) (PDF, 475 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.

In all cases, you should speak to an insurance advisor before acting.

1  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.

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Please note: Multilanguage sites do not provide full access to all content on CIBC.com. The full CIBC website is available in English and French.