CIBC Travel Medical Insurance — COVID-19 Insurance and Assistance Plan

• 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 by, or resulting from:
  • Any signs or symptoms of COVID-19 within 14 days immediately before your effective date.
  • Any medical condition other than COVID-19.
  • 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 Certificate of Insurance (PDF, 295 KB) Opens in a new window.