Wednesday, June 15, 2022

Does My Cibc Visa Have Travel Insurance

Don't Miss

Im Still Planning To Travel Outside Of Canada What Do I Need To Know

Where Is My CIBC Aerogold Visa Infinite Credit Card?

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cancellation, trip interruption and travel medical insurance coverages that are features of your CIBC credit card are no longer in force.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.

Cibc Comprehensive Travel Insurance Plan

Coverage overview

Benefit from medical and non-medical travel protection, including travel medical insurance, trip cancellation and trip interruption insurance, baggage and personal effects insurance and accidental death and dismemberment insurance.

Coverage amount

  • Up to $10 million of travel medical insurance coverage1
  • Up to $50,000 of trip cancellation and trip interruption insurance available prior to your trip
  • Up to $2,000 of baggage and personal effects insurance
  • Up to $10,000 of accidental death and dismemberment insurance

Get your quote in minutes2

Get a quote by calling us

To get a quote and apply now, call a licensed insurance agent at .

If youre aged 60 or over, youll be asked some questions about your medical history to determine your eligibility for coverage and the applicable premium rate and pre-existing condition limitations and exclusions.3

What Types Of Rental Vehicles Are Covered

You are covered under for any vehicle, in its model year, with a Manufacturers Suggested Retail Price under $65,000 , at the place the rental agreement is signed or where the rental vehicle is picked up.

Types of Vehicles Covered

This coverage does not include theft, loss and damage arising directly or indirectly from:

Don’t Miss: How To Get Health And Life Insurance License

Cibc Aerogold Visa Infinite Privilege Card

All Air Canada benefits are fulfilled in whole or in part by Air Canada, or its designated affiliates or other third parties, and are subject to change at any time without notice. CIBC and its affiliates are not responsible for fulfilling these benefits. Please allow two weeks from receiving your CIBC Aerogold Visa Infinite Privilege Card for all Air Canada benefits to be activated. Aeroplan Flight Rewards are Fixed Mileage Flight Rewards or Market Fare Flight Rewards redeemed using Aeroplan Miles from your Aeroplan Account for a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express banner. Flights operated by other airlines are not eligible. To access Air Canada benefits, you may be required to show your CIBC Aerogold Visa Infinite Privilege Card to the Air Canada agent. Additional conditions apply and are outlined below.

Purchase Security And Extended Warranty Insurance

CIBC Aventura Visa Infinite Review

If a new qualifying purchase paid for with a card with Purchase Security and Extended Warranty Insurance is damaged or stolen within 90 days of purchase, your credit card insurance may aid in repair, replacement or reimbursement. Additionally, your credit card may offer extended warranty protection on qualifying purchases. Some of these warranty extensions can last up to one year, helping you handle the costs associated with repair or replacement.

Also Check: Does Usaa Offer Pet Insurance

You Can Receive Virtual Care

  • Virtual Care is a service provided by Allianz Global Assistance that offers tele-medicine support such as Tele-Advice and Tele-Consultations from qualified medical doctors anywhere in the world. The service is provided in real time via video conference through your computer, phone or internet-accessible device.
  • This convenient service can help you receive non-emergency care based on your specific needs and symptoms. For example, you can receive care for an insect bite that is not serious or mild headache that may be related to jetlag.
  • Tele-Advice includes an initial consultation and advice from an MD, accessed through a web-based link provided by Allianz via email.
  • Tele-Consultation provides consultation with an MD that may also include confirmation of a diagnosis and issuance of a prescription that you can access via a downloadable application.
  • Please note that Virtual Care is an optional service offered by Allianzs claims services.

The Best Business Cards

Right now there are two excellent offers on business credit cards in Canada: American Express Business Platinum Card and . Both offer exceptional welcome bonuses , and a slew of travel perks: worldwide airport lounge access on the Platinum Card and free hotel nights on the Marriott Bonvoy Card.

Ive personally held both of these cards and can tell you that the value they provide far exceeds their annual fee. The welcome bonuses alone are worth at least $2,000, and the other benefits they offer make them a no-brainer over the long run. Plus, their annual fees are tax-deductible expenses, making them even more attractive options.

Don’t Miss: Does Aspen Dental Take State Insurance

For All Other Claims: Visit The Opens In A New Windowallianz Global Assistance Claims Portal Opens In A New Window

  • If your coverage includes non-medical benefits, such as Trip Cancellation, Trip Interruption and Lost or Delayed Luggage, you can submit your claim online for faster claim processing through Allianz Global Assistances secure Claims Portal Opens in a new window.. Claims for out-of-pocket expenses for emergency medical treatment may also be submitted through the Claims Portal or by calling Allianz Global Assistance at .
  • The online Claims Portal provides you with a smoother, more efficient experience while keeping you informed of what is happening at each stage of your claims journey. Please have a copy of your Certificate of Insurance when submitting your claims online. If you dont have your Certificate of Insurance call Allianz Global Assistance.
  • For Trip Cancellations, claims must be reported no later than the first business day following the cause for cancellation.
  • For Trip Interruption or delay to your trip, claims must be reported immediately.

For more detail about claims, refer to the sample Certificate of Insurance Opens in a new window..

Cibc Travel Medical Insurance

How To Earn and Redeem CIBC Aventura Points in Canada (2021)

Coverage overview

Benefit from emergency medical coverage for you and your family when you travel anywhere outside your province or territory of residence.

Coverage amount

Up to $10 million of travel medical insurance1

Get your quote in minutes2

Get a quote by calling us

To get a quote and apply now, call a licensed insurance agent at .

If youre aged 60 or over, youll be asked some questions about your medical history to determine your eligibility for coverage and the applicable premium rate and pre-existing condition limitations and exclusions.3

Read Also: How To Obtain A Life Insurance License

Cibc Trip Cancellation & Trip Interruption Enhanced Plan

Coverage overview

Benefit from travel protection before and during your trip in the event of medical emergencies or transportation delays beyond your control.

Coverage amount

Up to $50,000 of trip cancellation and trip interruption insurance before your trip

Get your quote in minutes2

Get a quote by calling us

To get a quote and apply now, call a licensed insurance agent at .

The Bottom Line Who Should Get The Cibc Aventura Visa Card

We like to think of the CIBC Aventura Visa as an entry-level travel card, one that can offer some useful perks for those who travel sporadically, but not so much so for the jet-setter class who spend a big part of their week at an airport. With a minimum income requirement of only $15,000 and no annual fee, this is an easy card to get your hands on, so its a good opportunity for those with low income who want to get their feet wet with their first travel card. Considering the great value of having a travel assistant help you set up your entire itinerary, transportation, lodging, activities and entertainment, all of it free of charge, this card is well worth it.

Read Also: How To Obtain A Life Insurance License

Smart Tools To Help Against The Evolving Threat Of Identity Theft

How ID Navigator Powered by NortonLifeLock can help provide you with greater peace of mind:

No one can prevent all identity theft.

1Two requirements must be met to receive the One-Bureau Credit Monitoring feature: your identity must be successfully verified with Equifax and Equifax must be able to locate your credit file that contains sufficient credit history information. If these requirements are not met you will not receive credit features from Equifax. You will receive Credit Features once the verification process is successfully completed. Any credit monitoring from Equifax will take several days to begin after your successful plan enrollment.

Visa Infinite Travel Insurance

CIBC Aventura

Reading up on credit cards? Wondering whatâs the best card for me? Weâve helped over one million Canadians answer that exact question. In under 2 minutes, we can help you too.

Visa Infinite gives you access to a number of credit card benefits that may not typically be included on your credit card. A notable perk of carrying a Visa Infinite card is that most have added travel insurance coverage. Travel insurance will vary based on what credit card issuer you choose. Some offer a wider range in coverage, while others will offer a higher degree of coverage for each type of insurance. Itâs a great idea to research what credit cards provide insurance and how much insurance they provide. Choosing the right Visa credit card can save you from buying additional travel or purchase insurance as well as the costs you may incur with no insurance.

You May Like: Will Home Insurance Cover Window Replacement

Is Coronavirus Covered By Trip Cancellation Insurance

In March 2020, when the coronavirus first started to really be taken seriously by many countries outside of China, it was not clear how credit card companies would react. No Canadian credit card company specifically mentioned pandemicsalthough policies are clear that insurance is intended to include only sudden and unforeseen events. At this point, the coronavirus would definitely be considered a known event.

Some policies have clearer guidelines on what happens when a country issues travel advisories. Generally speaking, a cardholder will be covered if Canada or the destination issues an official travel advisory that states all non-essential travel is to be avoided. But this is the critical part: you will usually be eligible to file a claim only if you booked travel before an advisory was issued. If you book after a travel advisory is announced, its unlikely your travel costs will be reimbursed. By now, Canadian credit card companies would consider the coronavirus pandemic a known event and by and large it looks like they will not cover trip cancellations.

Here are what some credit card companies are saying regarding how the coronavirus affects trip cancellation insurance.

  • RBC notes on their website Any Trip Cancellation/Interruption claim related to COVID-19/Coronavirus will not be payable if the policy was purchased or trip was booked/paid on a RBC Credit Card, on or after March 13, 2020 5:30PM .

Cash Back Cards No Longer Available

CIBC Dividend Unlimited World Elite® Mastercard® Card

Agreements
  • Purchase Security & Extended Warranty Insurance
  • Out-of-Province Emergency Travel Medical Insurance
  • Auto Rental Collision/Loss Damage Insurance
  • $1,000,000 Common Carrier Accident Insurance
  • Trip Interruption Insurance
  • Flight Delay and Baggage Insurance

CIBC Dividend Unlimited World Mastercard® Card

Agreements
  • Purchase Security & Extended Warranty Insurance
  • Out-of-Province Emergency Travel Medical Insurance
  • Auto Rental Collision/Loss Damage Insurance
  • $1,000,000 Common Carrier Accident Insurance
  • Trip Interruption Insurance
  • Flight Delay and Baggage Insurance

For program terms and rewards redemption, visit CIBC RewardsOpens a new window in your browser.

Insurance
  • Auto Rental Collision/Loss Damage Insurance
  • $100,000 Common Carrier Accident Insurance
  • Purchase Security & Extended Protection Insurance
  • Car Rental Collision and Loss Damage Insurance
  • Purchase Security and Extended Protection Insurance
  • Common Carrier Accident Insurance
  • $100,000 Common Carrier Accident Insurance
  • Purchase Security & Extended Protection Insurance

For program terms and rewards redemption, visit CIBC Rewards

Insurance
  • Auto Rental Collision/Loss Damage Insurance
  • $500,000 Common Carrier Accident Insurance
  • Flight Delay and Baggage Insurance
  • Purchase Security & Extended Warranty Insurance

CIBC Aventura® Visa* Card for Business Plus

Agreements

CIBC Corporate Classic Plus Visa* Card

Agreements

Need to meet?

Canada

Cookie notice

You May Like: How To Obtain A Life Insurance License

Talk About A Waste Of Time

I have been with CIBC since 11 years old. Most of the time Im ok with their service however the Visa Infinite card for travel points is ridiculous. As I write this review this is the third call and literally at this time as I write this I have been on hold for 2:10 min and 53 seconds. Im sure that they make enough money off of us to ensure at least reasonable customer service. And every 30 seconds they say thank you for holding. We sincerely appreciate your patience and will return to your call shortly. Do they define wasting more than two hours of my life as reasonable? And not being the first time? I wish I could give them a beyond zero negative review. This is ridiculous.

I was recently in Europe and my flight was significantly delayed so I decided to call CIBC insurance to see if they’d pay for a change of clothes etc. As the agreement says they will. I COULD NOT get hold of anyone. There was nothing in their system to accept a collect call and I tried numerous times. I also had someone try calling from Canada and she couldn’t get through to anyone. This really concerned me as I was planning to use the insurance for a car rental. I feared if something happened I would spend the rest of my holiday simply trying to get hold of someone in order to get a claim processed. Fortunately, nothing happened, but I was SO NOT impressed. What’s the point of paying for insurance if you’re not going to be able to use it? Quite angry and will be looking for another card.

Insurance That Can Pay A Benefit When The Unexpected Happens: 3

Non-Affiliated | CIBC Aerogold Visa Infinite Credit Card Unboxing & Review |
  • Job loss, loss of self-employment and disabilityIf you lose your job or self-employment income, through no fault of your own or are unable to work due to an illness or injury , a monthly payment would be applied towards your CIBC credit card account up to $50,000 for each statement period that you are disabled or unemployed. The monthly payment is equal to 20% of the balance on your last credit card account statement for the statement period immediately prior to the date of loss.
  • Life and accidental deathIn the event of death, your CIBC credit card balance, as it appears on your statement prior to the date of death, would be paid off up to $50,000.
  • Critical IllnessIf you are diagnosed with cancer, heart attack or stroke, your CIBC credit card balance, as it appears on your statement prior to the date of diagnosis would be paid off up to $50,000.

There is a waiting period for job loss, loss of self-employment and disability benefits. There is a survival period for critical illness benefits. All benefits are subject to eligibility conditions, limitations and exclusions. Additional details are provided below, including a sample Certificate of Insurance which contains the full details of your coverage.

Also Check: Trustage Auto And Home Insurance Reviews

Have A Lost Stolen Or Damaged Card Need Emergency Cash

Visa will block your card and connect you with your financial institution/Bank. Following bank approval, cardholders can also get an emergency card replacement within one to three business days*. Alternatively, Visa can arrange for cash to be available at a location near you usually within hours of your bankâs approval.

*Some restrictions/limitations apply

If your Visa card is ever lost or stolen, weâll help you notify the appropriate parties and replace your card.

ID Navigator Powered by NortonLifeLock

No one can prevent all identity theft, so staying informed and knowing what to do when your identity is threatened can give you greater peace of mind. ID Navigator Powered by NortonLifeLock provides you with the tools to help keep you informed of potential threats to your identity so you can act quickly.

Below You Will Find Answers To The Most Commonly Asked Questions About The Benefit:

Q: How is the personal data I enter for Dark Web Monitoring stored and managed? How do I know my personal data shared with NortonLifeLock is secure?

A: Your personal data is stored and managed by an advanced secure cloud database which is encrypted and protected with multiple layers of security measures.

Q: How can I be sure the personal data I enter for Dark Web Monitoring is not used or sold by NortonLifeLock employees?

A: Any personal data you provide is encrypted. Only a few selected employees, who undergo training on how to handle personal data can access it. These employees must provide their own unique credentials every time they access personal data and are subject to monitoring by our Information Security and Compliance team. See the NortonLifeLock⢠Global Privacy Statement for additional details.

Q: Can NortonLifeLock remove my personal data from the dark web?

A: Unfortunately no. The content on the dark web is not centralized and is owned by many different owners. Only the owner of the content could remove or modify the content.

Q: How does NortonLifeLock help if I receive a Dark Web Monitoring notification?

A: Within the notifications, advice is provided on next steps you can to take to help protect your personal data, and when available, it will include links to additional resources. If you have additional questions, go to support.norton.com.

Q: How does NortonLifeLock help if my personal data was leaked in a data breach?

Zero Liability
Roadside Dispatch®

Don’t Miss: Do Parking Tickets Affect Your Insurance

Automatic Extension Of Benefits

Benefits will be extended to you and those you’re travelling with while you are hospitalized for a covered medical emergency. Benefits will also be extended to you and to those travelling with you for up to 72 hours following:

  • Your discharge from a hospital,
  • Expiry of coverage when return has been delayed by order of the doctor due to an emergency, or
  • Expiry of coverage if your return home has been delayed because your common carrier has been delayed or if a private vehicle becomes inoperable on the way to your departure point

More articles

Popular Articles