Flexible Coverage Amounts

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

  • 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

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, 1.75 MB)  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.

Benefits offered by CIBC Accident Protection Plan

CIBC Accident Protection Plan provides you and your loved ones with Accidental Death and Accident Hospitalization coverage. Receive a benefit that will help pay for unexpected expenses in the event you die or are hospitalized due to an accident.

Be comforted knowing you have comprehensive accidental coverage with one plan. You and your loved ones will be covered for any accidental hospitalization or accidental death, even when you're outside of Canada. Accident Hospitalization coverage helps pay your daily expenses while you are hospitalized, and your Accidental Death coverage helps take care of your loved ones should the unexpected happen.

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 coverage.

Your Acceptance is Guaranteed

No medical or health questions asked when you apply. Acceptance is guaranteed if you are a Canadian resident between the ages of 18 and 64.

Spousal Coverage is also available

If selected, your spouse will receive the same benefits and coverage amounts as you, but at a discounted rate.


Pay for your premiums from your personal deposit account or credit card account.

Affordable Rates

Depending on the benefit amount and coverage options you choose, premiums begin at $2.97 per month for Accidental Death.

30-Day Review Period

You have 30 days from the date you receive your Insurance Policy to review it. If you decide you do not need this product, you may cancel and any premiums paid during that time will be refunded to you.

CIBC Accident Protection Plan

Acceptance is guaranteed if:

  • You are a Canadian resident, and
  • You are between the ages of 18 and 64

No medical or health questions when you apply.

Affordable coverage for the unexpected

Sample quote for a single applicant

Get coverage for your spouse as well for only $5.46 more a month.

Single Applicant
$100 per day


Sample quote


Sample quote for you and your spouse

You and your spouse
45 and 57
$100 per day



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.

One less thing to worry about

There are convenient ways to purchase CIBC Accident Protection Plan.


You can choose coverage for either:
(1) Accident Hospitalization, or (2) Accidental Death

Or both:
(3) Accident Hospitalization and Accidental Death



The quick and easy way to get your full accident insurance coverage for Accident Hospitalization and Accidental Death


Get your quote in minutes


You can cancel your coverage at any time by calling us at Opens your phone app1-888-393-1110 Opens your phone app..

To obtain a claim form and more information about the supporting documents that will need to be included with your completed claim form, call us at Opens your phone app1-888-393-1110 Opens your phone app..

To get a quote and buy, call a licensed insurance agent at Opens your phone app1-888-393-1110 Opens your phone app..

Note to Quebec residents: This product isn’t available online in Quebec at this time. Call one of our licensed insurance agents to get a quote and buy.

Get a quote and buy by calling Opens your phone app1-888-393-1110 Opens your phone app..