COVID-19 Insurance and Assistance Plan

CIBC Insurance Travel Medical Insurance — COVID-19 Insurance and Assistance Plan is underwritten by Co-operators Life Insurance Company.

Coverage highlights

If the Government of Canada has issued a Level 3 Travel Advisory for COVID-19 (Avoid non-essential travel) for your travel destination, CIBC’s COVID-19 insurance plan may provide emergency medical and quarantine expenses if you test positive for COVID-19 while on your trip.

Emergency treatment

This benefit is for medical expenses related to the treatment of COVID-19 after receiving a positive COVID-19 test while on your trip.

Covered out-of-pocket expenses are subject to a sublimit under this benefit¹.

Transportation

This benefit is for expenses incurred to transport you to the nearest appropriate medical facility or to a Canadian hospital if you test positive for COVID-19 during your trip.

Return of travel companion

If you’re quarantined, hospitalized or repatriated, this benefit is for expenses to transport a travel companion and your dependent children back to their home.

In the event of your death

If death occurs during your trip due to COVID-19, this benefit covers the preparation and transportation of your remains to your province or territory of residence or burial at place of death.

This benefit is subject to sublimits¹.

Quarantine meals and accommodation

This benefit is for expenses if you are placed in individual quarantine during your trip due to a positive COVID-19 test.

There is a specific limit for this benefit¹.

Denied boarding

If you’re denied boarding on your return trip home due to a COVID-19 screening, this benefit is for unexpected expenses you may incur as a result of the delay.

There is a specific limit for this benefit¹.

For a detailed summary of benefits, eligibility conditions, limitations and exclusions, review the sample policy (PDF, 300 KB) Opens in a new window..

Benefits aren’t payable for costs incurred during your trip if you have tested positive for COVID-19 before your trip and haven’t subsequently tested negative for COVID-19 before your effective date.
Benefits aren’t payable for costs incurred in a country, region or city during your trip if, before your effective date, a Level 4 travel advisory was issued by the Canadian government for COVID-19, advising Canadians to avoid all travel to that country, region, or city.
Benefits aren’t payable for costs or losses incurred due to, contributed to by, or resulting from:
- Any signs or symptoms of COVID-19 within 14 days immediately before your effective date.
- Any positive COVID-19 test if you undertook your trip with the prior knowledge that treatment, palliative care or alternative therapy of any kind would be required.
- A trip commenced or continued against the advice of your physician.
- Continued treatment for, recurrence of, or complication of COVID-19 after being declared medically fit to travel back to Canada.
- Intentional self-injury, suicide or attempted suicide.
- Abuse of any medication or non-compliance with prescribed medical treatment or therapy, or:
  - Drugs or medications commonly available without a prescription.
  - Drugs and medications which aren’t legally registered and approved in Canada.
- Any sickness or injury occurring while you’re under the influence of illicit drugs, or alcohol (where the concentration of alcohol in your blood exceeds 80 milligrams of alcohol in 100 milliliters of blood or when you illustrate a visible impairment due to alcohol or illicit drugs) or any other intoxicant, and any chronic sickness or hospitalization related to, or exacerbated by, the habitual use of alcohol or illicit drugs.
- Any injury.
- Any positive COVID-19 test while on a cruise or in any destination included in your cruise itinerary.
- You exposing yourself to risk from or participation in any riot or civil disorder, committing or attempting to commit a criminal offence, act of war, rebellion or revolution, act of terrorism, or service in the armed forces.
- Nuclear reaction or radiation, nuclear, chemical or biological occurrence, however caused; or radioactive seepage, pollution or contamination.

This is a summary only. There are other limitations and exclusions. For details regarding all limitations and exclusions, refer to the sections entitled “Specific Conditions” and “What’s Not Covered” in the sample policy (PDF, 300 KB) Opens in a new window. .

What’s not covered

Get a quote by calling us

To get a quote and apply now, call a licensed insurance agent at 1-800-281-9109 Opens your phone app..

Right to examine

Please review your policy when you receive it to ensure it meets your needs. You can return the policy for a full refund, provided you haven’t departed on your trip and a claim hasn’t been incurred.

Our partners

CIBC earns compensation from the insurer for the promotion of CIBC Travel Insurance plans.

Distributing firm

CIBC Travel Insurance is administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc. Allianz Global Assistance provides the CIBC travel assistance and claims services in respect of all insurance coverage under CIBC Travel Insurance plans.

Allianz Global Assistance

700 Jamieson Parkway
Cambridge, Ontario
N3C 4N6
519-742-2800 Opens your phone app.

The insurers

CIBC Travel Insurance plans are underwritten by Co-operators Life Insurance Company, which covers accident and sickness benefits, and The Sovereign General Insurance Company, which covers property and casualty benefits.

Co-operators Life Insurance Company

1920 College Avenue
Regina, Saskatchewan
S4P 1C4
1-800-454-8061 Opens your phone app.

The Sovereign General Insurance Company

140 – 6700 Macleod Trail South East
Calgary, Alberta
T2H 0L3
1-800-510-0354 Opens your phone app.

More information about CIBC Travel Insurance

Licensed sectors

CIBC is licensed to sell damage insurance (broker) and insurance of person.

Complaints

Are we not meeting all of your expectations? Follow Allianz’s complaint process Opens in a new window.