If you charge the full purchase price of your mobile device to your eligible CIBC card, coverage begins on the 91^st day (181^st day for the CIBC Aeroplan® Visa Infinite Privilege* Card or the CIBC Aventura® Visa Infinite Privilege* Card) following the date of purchase (to avoid overlap with the coverage available to you under your certificate for Purchase Security & Extended Protection Insurance).

If you finance all or any portion of the purchase price of your mobile device with your eligible CIBC card through a Canadian wireless service provider or a Canadian Buy Now Pay Later service provider, coverage begins on the date the first transaction related to the mobile device is charged to your CIBC card. All payments to the service provider must be charged to the card to maintain coverage.

Purchase price $800
Less depreciation- $224 ($800 X 2% X 14 months)
Depreciated value = $576
Less deductible - $57.60 ($576 X 10%)
Maximum benefit payable = $518.40

This coverage is in excess of any other insurance, indemnity, warranty or protection available to you.

Car Rental Collision/Loss Damage Insurance included with your eligible CIBC card provides coverage for vehicle loss or damage but does not include the contents of the vehicle. There is no coverage for third party liability, diminished value costs, personal injury, damage to property, normal vehicle wear and tear or mechanical/electrical vehicle breakdown.

Yes, coverage is available worldwide, unless it is prohibited by applicable laws or the terms of the rental agreement where the car rental takes place.

The maximum rental period is 48 consecutive days. Coverage may not be extended for more than 48 days by renewing or taking out a new rental agreement with the same or another rental agency for the same rental car or another vehicle. A full calendar day between rentals must exist to break the 48-day consecutive day cycle. If a rental period is longer than 48 days, no coverage is provided for that entire rental period.

When you charge the full cost of the rental to your eligible CIBC card, Car Rental Collision / Loss Damage Insurance could cover 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 actual cash value of the rental vehicle. This coverage has a rental period limit of 48 days. Any vehicle for which the Manufacturer’s Suggested Retail Price (MSRP) in its model year is over $85,000 CAD ($100,000 CAD for the Aeroplan® Visa Infinite Privilege* Card and the CIBC Aventura® Visa Infinite Privilege* Card), excluding taxes, is not covered under this insurance.

It is true that collision damage insurance offered by the rental agency 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.

Vehicles excluded from coverage include: vans, cargo vans (such as rented moving vehicles), trucks, pick-up trucks, off-road vehicles, motorcycles and any vehicle, for which the Manufacturer’s Suggested Retail Price (MSRP) in its model year is over $85,000 CAD ($100,000 CAD for the Aeroplan® Visa Infinite Privilege* Card and the CIBC Aventura® Visa Infinite Privilege* Card), excluding taxes, is not covered under this insurance. The vehicles listed here are not a complete list of excluded vehicles. Please refer to your Certificate of Insurance for the full list of exclusions.

When you do not have the option available to decline the rental agency’s collision damage insurance, car rental insurance included with your credit card may cover you for theft, loss and damage up to the amount of the deductible stipulated in the rental agency’s collision damage insurance purchased by you.

No.

No.

Yes. This insurance covers charges up to a maximum of $300 CAD each for the services (including x-rays) of a licensed chiropractor, physiotherapist, chiropodist, podiatrist or osteopath when they are needed due to an emergency that occurs during your trip. Be sure to keep your receipts because you will need them to make your claim.

This insurance provides coverage for medical conditions that are present before your departure date if the stability requirements outlined in your Certificate of Insurance are met. Your heart condition and any related conditions will not be covered if, in the 90 days (180 days if you are aged 65 or over) before your departure date, it has not been stable, e.g. if your treatment has changed or the dosage of your medication was modified.

Yes, you must call Global Excel (the Assistance and Claims Service Provider) at the first available opportunity when you need emergency medical services. The Assistance and Claims Service Provider is available 24 hours a day, 7 days a week. If in Canada or the U.S., call toll-free at 1 866 363-3338 or collect from elsewhere at +905 403-3338. If you do not call the Assistance and Claims Service Provider, the medical treatment you receive may not be covered by this insurance.

You will not be covered for expenses resulting from or relating to any medical condition if, in the 90 days (180 days if you are age 65 or over) before your departure date that condition or a related condition has not been stable. A medical condition is not considered stable if you are waiting on results of further investigations for that medical condition.

As the primary cardholder, you, your spouse and your dependent children could each be covered by emergency travel medical insurance coverage up to the amount of $5,000,000 CAD per trip. You also have access to our emergency travel services when you travel outside your Canadian province or territory of permanent residence. Note that travelling companions are not covered under this insurance.

This insurance provides coverage for medical conditions that are present before your departure date if the stability requirements outlined in your Certificate of Insurance are met. You will not be covered for expenses resulting from or relating to any medical condition if, in the 90 days (180 days if you are age 65 or over) before your departure date, that condition or a related condition has not been stable.

Coverage is only available for authorized users of a CIBC Aeroplan® Visa Infinite Privilege* Card or a CIBC Aventura® Visa Infinite Privilege* Card. Note that coverage does not extend to spouses and dependents of such authorized users.

This insurance covers up to $2,000 CAD per insured person 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 at your trip destination and within the coverage period outlined in your Certificate of Insurance. Coverage is also provided for charges of up to $200 CAD for emergency relief of dental pain at your trip destination. This excludes crowns and root canals.

Each card offers a different level of coverage for travelers over the age of 65. Please read your Certificate of Insurance or call 1 866 363-3338 to confirm.

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 lost, stolen or damaged it may be replaced or repaired, or we may reimburse you up to the actual cash value of the item.

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 and the CIBC Aventura® Visa Infinite Privilege* Card), commencing at the expiry of the original manufacturer’s 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.

No, you can only claim for the non-refundable and non-transferable portions of your trip. A credit or voucher is considered a refund under this insurance.

No. There is no trip length restriction for your trip interruption insurance; it continues to be in effect until midnight of your return date.

Coverage is available for up to two travelling companions, (not including your spouse or dependent children), who are sharing the same travel itinerary as you. Prepaid travel arrangements for you and your travelling companion(s) need to be charged at the same time on your eligible CIBC card.

If you do not want the credit or voucher issued by the airline you must wait until the credit has expired, at which point you should contact the Assistance and Claims Service Provider.

Please note that in this case the points would not be reinstated. Once you make a claim, the claims assessors would determine the cash value of your trip, and this is the amount that would be eligible for reimbursement.

Coverage is only available to authorized users of a CIBC Aeroplan® Visa Infinite Privilege* Card or a CIBC Aventura® Visa Infinite Privilege* Card. Note that coverage does not extend to spouses and dependents of authorized users, however up to two travelling companions who are sharing the same travel itinerary as an authorized user could be covered. Prepaid travel arrangements for an authorized user and their travelling companion(s) need to be charged at the same time on the authorized user’s eligible CIBC card.

Yes, if the credit or voucher has expired you can then contact the Assistance and Claims Service Provider.

No, you must have purchased at least a portion of the trip with your eligible CIBC card to qualify for coverage.

Trip Cancellation coverage takes effect when the covered reason for cancellation happens before you leave on your trip, while Trip Interruption coverage takes effect when the covered reason for interruption happens during your trip. Trip Delay coverage takes effect when the cause of delay happens during your trip and results in you being delayed, beyond your scheduled return date, from returning.

Yes, we require proof from the travel supplier showing that the credit or voucher has been cancelled or has expired to be able to process your claim.

Depending on the reason for the flight cancellation, you may be entitled to receive compensation or a refund from the airline through the Air Passenger Protection Regulations.

We are not authorized to cancel travel credits or vouchers on behalf of cardholders.

When you charge your travel arrangements to your eligible CIBC card, Trip Cancellation/Trip Interruption Insurance could cover you (the primary cardholder), your spouse, dependent children and up to two travelling companions, for certain losses resulting from cancellation, interruption or delay of your trip due to a covered reason.

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 total of $100 CAD for all insured persons combined.

Flight Delay coverage provides reimbursement for reasonable living expenses such as meals and accommodations, up to a total of $500 CAD per insured person, and $1,000 CAD for all insured persons combined. To be eligible for this coverage, at least 75% of the fare for your flight must have been charged to your eligible CIBC card. You must keep your receipts and provide them to the insurer when you return home.

Flight Delay coverage provides reimbursement for reasonable living expenses, such as meals and accommodations, as well as ground transportation and entertainment expenses incurred during the period of your delayed flight or missed connection, up to a total of $500 CAD per insured person, and $1,000 CAD for all insured persons combined. To be eligible for this coverage, at least 75% of the fare for your flight must have been charged to your eligible CIBC card.

Lost or Stolen Baggage coverage provides reimbursement for your baggage and its contents, subject to the following exclusions: cameras and accessories, eye/sunglasses, animals, sporting equipment (other than golf clubs and bags, skis, poles and boots and racquets), securities, money, contact lenses, prosthetic devices, furs, tickets, valuable papers and documents. Carry-on luggage and its contents is covered for up to $500 CAD per insured person to a limit of $1,000 CAD per claim ($1,000 CAD per insured person to a maximum of $2,500 CAD per claim for the Aeroplan® Visa Infinite Privilege* Card and the CIBC Aventura® Visa Infinite Privilege* Card; and up to $500 CAD per insured person for the CIBC Aeroplan® Visa* Business Plus Card and the CIBC Aventura® Visa* Card for Business Plus). Payment is based on the actual replacement cost (if replaced), or actual cash value if not replaced.