CIBC Out of Province Emergency Medical Travel Insurance

Have you ever read the details of your CIBC Out of Province Emergency Medical Travel 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 Medical Travel Insurance coverage with CIBC:

• CIBC Aventura Visa Infinite Privilege
• CIBC Aventura Visa Infinite
• CIBC Aventura Gold Visa Card
• CIBC Aeroplan Visa Infinite Privilege Card
• CIBC Aeroplan Visa Infinite Card
• CIBC Dividend Visa Infinite

The complete certificate is available here: Agreements and Insurance | Manage My Card | CIBC.

The information listed below is my interpretation of the insurance policy.

Coverage Eligibility

The basic coverage provided for all the listed cards are:

1. Coverage is provided to the cardholder, cardholder’s spouse, and cardholder’s dependent children.
2. Coverage is up to $5,000,000 per insured person per trip.
3. 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	N/A
Doctor's Bills	N/A
Private Registered Nurse	N/A
Ground Ambulance Service	N/A
Air Ambulance Service	N/A
Paramedical Services	N/A
Diagnostic Services	N/A
Prescriptions	Up to 30 days of supplies
Medical Appliances	N/A
Dental Treatment	$2,000 emergency dental treatment $200 for emergency relief of dental pain
Coming Home	N/A
Care and Return of Dependent Children	N/A
Transportation to Bedside	Minimum seven consecutive days of hospitalization
Return of Deceased	N/A
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.