CIBC Emergency Travel Medical Insurance

CIBC Emergency Travel Medical Insurance provides maximum total coverage of $2 million (CAD) for you, your family, or your travelling companion while outside your province of residence. You are protected from the potentially high cost of emergency medical care in excess of what is covered by your Canadian Government or Provincial Health Insurance Plan, you get help in finding medical aid worldwide, and you have access to pre-trip planning advice and en route travel assistance with everything from lost baggage to emergency legal services. Purchase coverage before each individual trip, or get a multi-trip annual plan for year round coverage.

CIBC Emergency Travel Medical Insurance could be for you if you:

• Travel outside your province of residence
• Have coverage by a Canadian Government or Provincial Health Insurance Plan
• Want protection from emergency medical expenses that may occur while you're travelling
• Want access to assistance 24 hours a day, 7 days a week while travelling
• Are a CIBC customer

CIBC Emergency Travel Medical Insurance key benefits, customized coverage and competitive rates

• Get competitive rates based on one traveller, one traveller with dependent children, two travellers with dependent children, or two travelling companions
• Choose a Single Trip Plan (up to 212 days)
• Opt for a Multi-Trip Annual Plan for an unlimited number of trips per year (maximum duration of 15 or 31 days per trip depending on coverage selected)
• Travellers between the ages of 55 and 74 who are travelling for 23 or more days, or travellers 75 or older, and travellers of any age with a pre-existing medical condition can also apply for coverage (see the “Information you need to know” section)

You're covered for these emergency medical expenses and associated costs:

• Hospital and doctors' bills that exceed the amount paid by your Canadian Government or Provincial Health Insurance Plan
• Ground ambulance and emergency return home by regular flight or air ambulance
• Paramedical services
• Prescriptions ordered by your doctor
• Emergency dental treatment and relief of dental pain

A medical emergency during your trip can involve additional expenses that are also covered by CIBC Emergency Travel Medical Insurance. These include the return home of your dependant children or a companion travelling with you; transportation of a friend or family member to your bedside; vehicle services and incidental expenses; automatic extension of coverage; and return of deceased.

Call the toll-free CIBC Travel Assistance hotline 24/7 for help in:

• Finding a doctor, hospital or other medical facility
• Verifying your coverage, arranging payments, and co-ordinating claims with your Canadian Government or Provincial Health Insurance Plan (where permitted)
• Monitoring your condition and keeping your family informed
• Providing emergency translation services
• Arranging your transportation home, if medically required

Before you go, get pre-trip tips and assistance on:

• Passport, visa, and currency exchange information
• Health hazards advisory and inoculation requirements
• Weather information
• Consulate and embassy locations
• Translation and interpreter services

While you're away, call us for help in dealing with:

• Lost baggage
• Emergency cash services
• Emergency ticket replacement
• Prescription drugs replacement
• Legal and bail bond services

We also provide an emergency message service so you can easily contact your family, friends or employer from anywhere in the world. All these en route travel services are for your convenience only; CIBC Emergency Travel Medical Insurance does not cover any expenses related to these helpful services.

Information you need to know:

1. Get instant coverage if you're under age 55 or if you are age 55 to 74 and are travelling for less than 23 days; and you do not have any pre-existing medical conditions:

   • Simply purchase it by selecting the “Apply Now” button above or by calling 1-800-281-9109
   • You can also arrange for on-the-spot coverage at your CIBC branch (except in Quebec)

   Legislative changes in Quebec prohibit CIBC from offering Emergency Travel Medical Insurance through our branches in that province. While Emergency Travel Medical Insurance is no longer available through our Quebec branches, it is readily available for purchase by telephone and online.

2. If you need coverage for pre-existing conditions, or you're age 55 to 74 and are travelling for 23 or more days or are age 75 to 79:

   • Call 1-800-281-9109 and answer a few simple health-related questions over the phone
   • You'll receive a quote based on your individual circumstances
   • A pre-existing condition is defined as a sickness, injury or medical condition whether or not diagnosed by a physician, for which you exhibited symptoms or for which you required or you received medical attention, consultation or treatment, and which existed prior to any departure date or effective date of your coverage.

   If you'd rather not discuss your health history over the phone, you can complete a written medical questionnaire. Call 1-800-281-9109 to have a medical questionnaire sent to you. In special circumstances, you may be required to complete a written medical questionnaire for underwriting purposes.

3. If you're age 80 or older:

   • You will need to complete and sign a medical questionnaire
   • Call 1-800-281-9109 and the insurer will arrange to send you a form to complete
   • Send back your completed form and the insurer will call you to let you know if you have been approved, and give you a quote based on your individual circumstances

   CIBC Emergency Travel Medical Insurance is underwritten by Co-operators Life Insurance Company, and is administered by TIC Travel Insurance Coordinators Ltd. A detailed summary of the benefits, services, terms, conditions, limitations, exclusions and other provisions are contained in the Certificate of Insurance which you receive upon purchase, or as detailed in the Benefits and Limitations sections during an online purchase.

If you've applied under B or C above, and have been approved for coverage:

• You can complete your purchase over the phone and pay by credit card or withdrawal from your CIBC bank account
• You will receive a Confirmation of Coverage Letter and a Guarantee of Coverage for your pre-existing condition
• You must notify CIBC Emergency Travel Medical Insurance if your health status or medication changes between the date you complete the application and any date of departure or the effective date of any top-up/extension of coverage

Your coverage can be extended or topped-up:

• If you decide to stay away longer than the coverage purchased on your Single Trip Plan, call us at least 3 days before your original date of return to purchase extended coverage
• If you want to take a trip longer than the number of days selected on your Multi-Trip Annual Plan; Simply call 1-800-281-9109 to purchase top-up coverage
• Maximum duration of an insured trip (including extensions and top-ups) cannot exceed 212 days unless you obtain written approval from your Canadian Government or Provincial Health Insurance Plan

It's easy to apply

• Younger than 55, or between the ages of 55 and 74 and travelling for less than 23 days, with no pre-existing medical conditions? You can get instant coverage online or by calling 1-800-281-9109; All others can apply by calling 1-800-281-9109

If you require additional Travel Insurance Coverage

Customize your coverage by selecting from the following additional coverage options, available by calling 1-800-281-9109:

• Trip Cancellation / Trip Interruption Insurance
• Baggage and Personal Effects Insurance
• Rental Vehicle Damage Insurance
• Comprehensive Travel Insurance which includes: Travel Medical Insurance, Trip Cancellation / Trip Interruption Insurance, Baggage and Personal Effects Insurance, and Accidental Death and Dismemberment Insurance

Please note: Trip Cancellation / Trip Interruption Insurance must be purchased within 7 days of booking your trip and/or prior to any cancellation penalties being chargeable for that trip.

Trademarks and Disclaimers

Products and their features may change at any time. This is a general description only. Certain limitations and exclusions apply (including pre-existing condition exclusions). A detailed summary of the terms and conditions, including benefits, limitations and exclusions, are contained in the Certificate of Insurance. Download a sample copy of the current Certificate of Insurance (210 KB) used for new customer enrolments or you can call CIBC Travel Insurance at 1-800-281-9109.

Insurance products and certain services are provided by various third party companies. CIBC Emergency Travel Medical, Trip Cancellation / Trip Interruption and Comprehensive Travel Insurance are underwritten by Co-operators Life Insurance Company. CIBC Baggage and Personal Effects, and Rental Vehicle Damage Insurance coverages are underwritten by The Sovereign General Insurance Company. All CIBC Travel Insurance Products are administered by TIC Travel Insurance Coordinators Ltd.