Accessibility Quick Links
Key features of your CIBC Accident Protection Plan policy
You can buy CIBC Accident Protection Plan insurance if you're a Canadian resident aged 18 to 64 at the time of your application. You won't have to take a medical test when you apply and your acceptance is guaranteed.
Premiums begin at $2.97 per month depending on the benefit amount and coverage options you choose.
Your spouse can also enjoy the same coverage as you at a discounted rate if they're a Canadian resident aged 18 to 64 and added at the time of your application.
You're covered for Accidental Death even when you're outside of Canada, and Accident Hospitalization is covered while you're in the U.S., Mexico, the Caribbean, Europe, Australia and Japan.
You can apply for either Accidental Death or Accident Hospitalization, or both.
You can cancel your coverage for a full refund within the first 30 days.
Coverage
The Accident Protection Plan provides coverage in the event of an injury or death from an accident. You can apply without answering any health or medical questions.
Choose a coverage amount between $25,000 and $200,000. You can also add your spouse with the exact same coverage amount at a discounted rate.
You can choose one of the following coverage options, or both:
Choose one lump sum coverage amount paid to your beneficiaries in case of your Accidental Death.
- We offer coverage amounts in increments of $25,000 up to $200,000
- Premiums can start as low as $2.97 per month for $25,000 of Accidental Death coverage
- With the annual Bonus Benefit, an amount equal to 1% of your Accidental Death Benefit amount will be added to your Accidental Death coverage annually on the anniversary of your effective date of coverage1
You can also choose a daily coverage option paid to you in case of hospitalization resulting from an accident.
- We offer daily coverage amounts of $100, $150, $200 or $300 per day of your hospital stay
- Premium rate is based on the coverage amount that you choose, and can start as low as $5.95 per month for $100 per day coverage
Exclusions and limitations
What is not covered?
- Sickness, disease, natural causes (regardless of how acquired) or medical or surgical treatment
- Suicide or any self-inflicted injury, regardless of whether you intended or understood the consequences of your actions
- War, declared or undeclared, riot or civil commotion, insurrection or hostilities of any kind
- No benefit will be paid if your policy is declared void because you misrepresented or failed to disclose a material fact, or you committed fraud in connection with your policy
The above is only a summary. For details on all benefits, eligibility conditions, limitations and exclusions, review the sample Insurance Policy (PDF, 245 KB) Opens in a new window.. The information on this website is not part of your Insurance Policy. In case of a discrepancy between the information and examples provided on this website and your Insurance Policy, your Insurance Policy prevails.
Guaranteed acceptance
You can buy CIBC Accident Protection Plan insurance if you're a Canadian resident aged 18 to 64 at the time of your application. You won't have to take a medical test when you apply and your acceptance is guaranteed.
Sample quotes
Your premium might be similar to these examples.
Coverage terms
Only you
You and your spouse
* Price quoted is a sample for illustration purposes only. Your actual cost will depend on the amount of coverage that you choose. The price quoted does not include applicable taxes.
Ready to get started? We're here to help.
Get a quote and buy, either online or by phone.
Get a quote and buy online
A quick and easy way to purchase CIBC Accident Protection Plan insurance.
For residents of Quebec, this product is only available for purchase by phone. Speak to one of our licensed insurance agents to get a quote and purchase by calling 1-855-783-7623 Opens your phone app..
Call for a quote
To get a quote and buy, call one of our licensed insurance agents at
Make a claim
To make a claim, please call us to request a claim form and to obtain more information about the supporting documents that you'll need to include with your completed claim form.
CIBC Accident Protection Plan is underwritten by CIBC Life Insurance Company Limited.