CIBC credit card included insurance
I’m still planning to travel outside of Canada — What do I need to know?
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cancellation, trip interruption and travel medical insurance coverages that are features of your CIBC credit card are no longer in force.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.
I’m booked to travel but I want to cancel my plans — What do I do?
As a first recourse, you should contact your airline or travel provider directly. Many of these companies have adjusted their cancellation and rebooking policies due to COVID-19. Your travel insurance covers the non-refundable, non-transferable portion of any prepaid travel expenses up to your policy maximum. That means you’re covered for any amount you aren’t able to get through the refund process with your carrier.
If you purchased travel on or after March 13, 2020, you won’t have coverage for trip cancellation benefits. If you purchased your trip with your CIBC credit card which includes Trip Cancellation insurance prior to the Canadian Government official travel advisory being issued, then you’re eligible for Trip Cancellation coverage. To make a claim, visit Global Excel Management’s online claim portalOpens a new window in your browser..
For all other credit card related claims or for more information, visit the CIBC page of RSA CanadaOpens a new window in your browser..
I’m currently outside of Canada — Am I still covered?
Assuming you left prior to any formal travel advisories being issued for your destination, you may be covered. However, as of March 13, the Government of Canada issued an Official Global Travel Advisory, advising Canadians to avoid non-essential travel outside of Canada until further notice. This advisory applies to all international locations, including the USA. Because this travel advisory or formal notice was issued after your departure date, your emergency medical and trip interruption coverage, if applicable under your card, will be limited to a period of 10 days from the date the travel advisory or formal notice was issued or to a period that is reasonably necessary for you to safely evacuate the country, region, area or cruise.
We recognize that capacity within airlines or other travel suppliers may cause delays with your return. In the event of extenuating circumstances, and you’re unable to get home, your health and safety are of the utmost concern. Rest assured your coverage will remain in place. With the increasing likelihood of additional border closures around the globe, we urge clients to act as quickly as possible to make arrangements to return to Canada.