Have you ever read the details of your CIBC Out of Province Emergency Travel Medical Insurance provided by your credit card?
I have summarized a few important details as you evaluate whether you need additional emergency medical insurance during your travels.
The following credit cards have the Out of Province Emergency Travel Medical Insurance coverage with CIBC:
- CIBC Aventura Visa Infinite Privilege | Certificate of Insurance
- CIBC Aventura Visa Infinite | Certificate of Insurance
- CIBC Aventura Gold Visa Card | Certificate of Insurance
- CIBC Aeroplan Visa Infinite Privilege Card | Certificate of Insurance
- CIBC Aeroplan Visa Infinite Card | Certificate of Insurance
- CIBC Dividend Visa Infinite | Certificate of Insurance
For other credit card issuers, information about their travel insurance policy is available here:
- American Express Out of Province and Country Emergency Medical Insurance
- BMO Out of Province Emergency Medical Protection Insurance
- CIBC Out of Province Emergency Medical Travel Insurance
- RBC Out of Province Emergency Medical Travel Insurance
- Scotiabank Travel Emergency Medical Insurance
- TD Travel Medical Insurance
The information listed below is my interpretation of the insurance policy.
Coverage Eligibility
The basic coverage provided for all the listed cards are:
- Coverage is provided to the cardholder, cardholder’s spouse, and cardholder’s dependent children.
- Coverage is up to $5,000,000 per insured person per trip.
- All the insured individuals do not need to be traveling together.
Exclusions of Basic Coverage
Important Exclusions:
- Pre-existing medical conditions need to be stable at least 90 days prior to your trip departure date, for those 64 or under, or 180 days, for those 65 or older.
- Scuba diving (unless you have a designation), hang-gliding, rock climbing, paragliding, skydiving, parachuting, bungee jumping, mountain climbing, rodeo, heli-skiing, any downhill skiing or snowboarding outside of marked trails and any racing events.
Coverage Benefits
| Benefits | Limitations |
|---|---|
| Accommodation in a Hospital or Medical Facility | - |
| Doctor's Bills | - |
| Private Registered Nurse | - |
| Ground Ambulance Service | - |
| Air Ambulance Service | - |
| Paramedical Services | - |
| Diagnostic Services | - |
| Prescriptions | Up to 30 days of supplies |
| Medical Appliances | - |
| Emergency Dental Treatment | $2,000 |
| Emergency Dental Pain Relief | $200 |
| Emergency Return Home | - |
| Care and Return of Dependent Children | - |
| Transportation to Bedside | Minimum seven consecutive days of hospitalization |
| Return of Deceased | - |
| Meals and Accommodation | $250 per day $1,750 maximum |
| Vehicle Return | $1,000 for your return of private or rentla vehicle |
| Incidental Expenses | $300 |
| Return of Excess Baggage | Not Covered |
Differences between cards
The major difference between the credit cards is what is the age group that is covered by the insurance and how long they are covered for.
| Credit Card | 64 Years or Younger | 65 Years or Older |
|---|---|---|
| CIBC Aventura Visa Infinite Privilege | 31 | 10 |
| CIBC Aeroplan Visa Infinite Privilege | 31 | 10 |
| CIBC Aventura Visa Infinite | 15 | 3 |
| CIBC Aeroplan Visa Infinite | 15 | 3 |
| CIBC Aventura Gold Visa | 15 | 0 |
| CIBC Dividend Visa Infinite | 10 | 0 |
Conclusion
One unique situation about the CIBC credit cards is that the benefits are extended to the dependent children and spouse, even if they are not traveling with the cardholder.
