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As a result of the most recent government travel advisory on March 13, 2020, advising against all non-essential travel outside of Canada, all trip cancellation, trip interruption and travel medical insurance coverages that are features of your CIBC credit card are no longer in force. Note that you may still be eligible for Trip Cancellation benefits depending on when you booked your trip.

As a first recourse, you should contact your airline or travel provider directly. Many of these companies have adjusted their cancellation and rebooking policies due to COVID-19. Your travel insurance covers the non-refundable, non-transferable portion of any prepaid travel expenses up to your policy maximum. That means you’re covered for any amount you aren’t able to get through the refund process with your carrier. 

If you purchased travel on or after March 13, 2020, you won’t have coverage for trip cancellation benefits.

If you purchased your trip with your CIBC credit card which includes Trip Cancellation insurance prior to the Canadian Government official travel advisory being issued, then you’re eligible for Trip Cancellation coverage. 

For more information, visit the CIBC page of RSA CanadaOpens a new window in your browser.

Assuming you left prior to any formal travel advisories being issued for your destination, you may be covered. However, as of March 13, the Government of Canada issued an Official Global Travel Advisory, advising Canadians to avoid non-essential travel outside of Canada until further notice. This advisory applies to all international locations, including the USA. Because this travel advisory or formal notice was issued after your departure date, your emergency medical and trip interruption coverage, if applicable under your card, will be limited to a period of 10 days from the date the travel advisory or formal notice was issued or to a period that is reasonably necessary for you to safely evacuate the country, region, area or cruise.

We recognize that capacity within airlines or other travel suppliers may cause delays with your return. In the event of extenuating circumstances, and you’re unable to get home, your health and safety are of the utmost concern. Rest assured your coverage will remain in place. With the increasing likelihood of additional border closures around the globe, we urge clients to act as quickly as possible to make arrangements to return to Canada.

Trip Cancellation or Trip Interruption claims related to COVID-19 won’t be payable for any policies purchased on or after March 13, 2020. In addition, due to Global Affairs Canada’s global travel advisory, medical treatment abroad related to COVID-19 won’t be eligible under Emergency Medical benefits for trips departing or policies effective on or after March 13, 2020 at 5 pm ET.

If you travelled prior to March 13, 2020, and your trip destination didn’t have a travel advisory in place on your date of departure, your travel emergency medical coverage and trip interruption coverage remains in place, including for coronavirus claims, subject to the terms, conditions and limitations of your travel insurance policy. If you travelled on or after March 13, 2020, you won’t have travel emergency medical or trip interruption coverage for coronavirus.

If you have a medical emergency, please contact our administrator, Allianz Global Assistance, at 1-800-281-9109Opens your phone app.. Please be advised that due to COVID-19, Allianz is experiencing extremely high call volumes. For the best way to contact Allianz during this time, read their notice to customers (PDF, 65 KB) Opens a new window in your browser..

Please note, your purchased travel insurance is separate from the coverage included with your CIBC credit card. Get more information concerning coverage included with your CIBC credit card including travel claimsOpens a new window in your browser.