Insurance coverage(s) included with CIBC credit cards are underwritten by Belair Insurance Company Inc. You may contact the insurer at 1 866 363-3338 in Canada and the US or collect from elsewhere at 905 403-3338 or visit cibc.client.insure. Different cards will have different coverage(s). To learn about which coverage(s) are included with a specific card, and important information regarding coverage eligibility requirements, benefits, limitations and exclusions, see our Agreements and Insurance page and the insurance certificate(s) in your card package. Some insurance coverage(s) require purchase(s), car rentals, common carrier fares, accommodations and other trip costs to be charged to the card, or be for business purposes, to activate coverage. Other conditions may also apply.
Car Rental Collision/Loss Damage Insurance (CLDI) is available for a rental period of up to 48 days for rental vehicles with a MSRP of up to $85,000 CAD and not otherwise excluded from coverage; for the CIBC Aeroplan® Visa Infinite Privilege* Card and the CIBC Aventura® Visa Infinite Privilege* Card: CLDI is available for a rental period of up to 48 days for rental vehicles with a MSRP of up to $100,000 CAD and is not otherwise excluded from coverage. The full cost of the rental must be charged to the card and the rental agency’s Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) must be declined. CLDI provides coverage up to the actual cash value (ACV) of the rental vehicle as defined in your Certificate of Insurance. Note that some rental agencies may assess their damages at an amount greater than the ACV of the rental vehicle and you may be liable to them for the difference. Before declining the rental agency's CDW or LDW, you should read carefully and compare the terms of the rental agreement, the CLDI Certificate of Insurance in your card package and any other insurance you own to decide which coverage best meets your protection needs.
Out-of-Province Emergency Travel Medical Insurance (TMI) covers the primary cardholder, their spouse and dependent children for the first 15 days of a trip if the insured person is age 64 or under; for the CIBC Aventura® Visa Infinite* Card and the CIBC Aeroplan® Visa Infinite* Card, TMI also covers the first 3 days of a trip if the insured person is age 65 or older; for the CIBC Aeroplan® Visa Infinite Privilege* Card and the CIBC Aventura® Visa Infinite Privilege* Card: TMI covers the primary cardholder, their spouse and dependent children and an authorized user for the first 31 days of a trip if the insured person is age 64 or under, or for the first 10 days of a trip if the insured person is age 65 or older; for the CIBC Dividend® Visa Infinite* Card: TMI covers the primary cardholder, their spouse and dependent children for the first 10 days of a trip if the insured person is age 64 or under; for all cards that have TMI coverage: dependent children must be at least 15 days old and under 21 years of age or under 25 years of age if a full-time student, unless they have a permanent physical or mental impairment. TMI may not cover medical procedures performed without pre-approval. TMI, Trip Cancellation and Trip Interruption Insurance may not cover certain health/medical conditions that are not stable before your trip. Certain coverages are “excess insurance” (all other sources of insurance and recovery must be exhausted before coverage is available).