CIBC Emergency Travel Medical Insurance

Travel insurance that protects you when you leave your province

  • Applicable for out-of-province plus out-of-country emergencies
  • 24/7 emergency travel assistance just a phone call away
CIBC Emergency Travel Medical Insurance is underwritten by Co-operators Life Insurance Company

Plan Options: Single or Multi-Trip

Choose the best plan for you

Single Trip Plan

Multi-Trip Annual Plan

Best plan for frequent travellers†

For one trip only For an unlimited number of trips
Travel for up to 2121 days Travel for up to 15 or 31 days per trip, depending on plan
Extended1 coverage is available if you’re away longer than originally planned Top-up1 is available if you’ll be away longer than 15 or 31 days
To be covered, all travellers under the same plan must be on the same trip Multiple travellers under this plan do not need to be travelling together to be covered
Pay only for the coverage you need Purchase2 once and have coverage for an entire year

Coverage Highlights

Up to $2 million3 of travel coverage that you can rely on

  • Medical & Dental

    • Provides coverage for eligible hospital and physician's bills, and expenses resulting from an accidental injury, or new sickness or disease


    • Paramedical services such as from a chiropractor, chiropodist, or physiotherapist of up to $300 if required as a result of your emergency
    • Dental treatment for up to $2,000 coverage as a result of a direct accidental blow to the mouth
  • Transportation

    • Ground ambulance charges of up to $3,000 coverage, return home by regular flight up to $25,000 or air ambulance to the nearest appropriate medical facility up to $250,000 in coverage
    • Return home of up to $2,000 coverage for dependant children or travelling companion who are insured and travelling with you
    • A round trip economy airfare by the most direct route for the transportation of a relative to your bedside if you are hospitalized due to a critical emergency
  • Convenience & Comfort

    • Meals and accommodation expenses up to $150 per day to a total of $1,500 when your trip is delayed beyond the scheduled return date due to a medical emergency or death

    • Coverage extension for up to 72 hours if your trip is delayed beyond your policy end date due to a medical emergency or other covered event
    • Vehicle service expenses of up to $1,000, to return a rental vehicle or bring your vehicle home if you are unable due to a medical emergency

For a detailed summary of benefits, eligibility conditions, limitations and exclusions, please review the sample Certificate of Insurance (PDF, 860 KB) online.

What’s not covered

Travel Insurance Sample Quotes

Ways to Buy

Getting travel insurance may be the easiest part of your trip

CIBC Emergency Travel Medical Insurance is available to CIBC customers who are residents of Canada and are covered by a Canadian Government or Provincial Health Insurance Plan. For full eligibility criteria, see Who is eligible?

Online

The quickest and easiest way to get your travel insurance

Phone

When you need coverage for any of the following:

  • Travellers of any age with pre-existing medical conditions4 or symptoms
  • A traveller between the age of 55 and 74, who will be travelling for more than 22 days or a traveller 75 or older

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

You may need to answer a few health-related questions or complete a written medical questionnaire and receive a written confirmation of coverage.

Ten-day free look period
Emergency Medical Travel Plan has a ten day review period prior to departing on your trip. If you are not satisfied with the benefits, please call us to discuss refund options at 1-800-281-9109.

CIBC Branch

Available to those who:

  • Are under the age of 70 and travelling for 22 days or less
  • Reside outside of Quebec5

Pick up a travel brochure at the nearest CIBC branch, and apply using the application form in the brochure.

CIBC Travel Assistance

With CIBC, you’re more than
covered

Call CIBC Travel Assistance in an event of an emergency for help in your time of need.

  • From Canada or the U.S., call 1-800-848-8454
  • From all other locations, call collect 1-416-340-7124
Available 24 hours a day, 7 days a week.
During an emergency, whenever possible, our services include:
  • A healthcare facility can be identified
  • The medical facility can be notified of your arrival to minimize admission delays
  • Our Medical Consultants can discuss with the local physician to determine the best care for you
  • Emergency translation services provided in most major languages
  • Escort and transportation home for your dependant children can be arranged
  • Messages to your family can be made to inform them of your status

CIBC Travel Assistance is also your starting point for claims.

Please note: If you pay any expenses yourself, you must obtain original itemized receipts.

For pre-travel considerations to help maximize your travel enjoyment, see Travel Tips

Terms and conditions

Coverage amounts shown are in Canadian dollars. CIBC Emergency Travel Medical Insurance is underwritten by Co-operators Life Insurance Company. CIBC Travel Insurance is administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd.
CIBC Travel Insurance is subject to eligibility conditions, limitations and exclusions (including pre-existing medical condition exclusions), which are contained in the certificate of insurance you receive following enrollment. You can view a sample copy of the current Certificate of Insurance (PDF, 860 KB). You can also call CIBC Travel Insurance at 1-800-281-9109. This certificate will be voidable if you have failed to disclose or have misrepresented any material fact or circumstance affecting coverage under this certificate. Products and their features may change or may no longer be offered at any time. This is a general description only and does not constitute legal or insurance advice. In all cases, you should speak to an insurance advisor before acting.

For residents of Quebec, Co-operators Life Insurance Company and The Sovereign General Insurance Company are registered with l’Autorité des marchés financiers (AMF).

+ Best plan between CIBC plan options "Single Trip Plan" and "Multi-Trip Annual Plan" when you travel more than twice within 365 days.

1 The maximum duration of an insured trip including any extensions/top-ups cannot exceed 212 days unless you obtain written approval from your Canadian Government or Provincial Health Insurance Plan.

2 Prior to your Multi-Trip Annual Plan expiry date, you will be contacted regarding your options to purchase coverage for another one-year period at the premium rates and with the terms and conditions then being offered.

3 Certain benefits are subject to maximum coverage limits specified in the Certificate of Insurance. CIBC Emergency Travel Medical Insurance is subject to a maximum aggregate coverage limit of $2 million per insured traveller per insured trip.

4 A pre-existing medical condition or symptom means a sickness, injury or medical condition, whether or not diagnosed by a physician, for which you had symptoms, or required or received medical attention, consultation or treatment, and which existed before your departure date or the effective date of your coverage.

5 CIBC Emergency Travel Medical Insurance cannot be purchased through our banking centres in Quebec.