CIBC Travel Medical Insurance

If you are age 60 or over

The insurance will not pay for losses or expenses incurred for, or as the result of:

• your medical condition that was not stable during the number of days indicated on your confirmation of coverage (either 90 or 180 days) before the effective date; or
• any treatment you received before the effective date.
• Travelling against the advice of a physician or a condition that was diagnosed as terminal prior to your effective date of coverage.
• Any medical consultation that is non-emergency or elective.
• Any sickness or injury that occurs in an area for which Global Affairs Canada issued a written warning prior to the effective date to avoid all travel, or to avoid non-essential travel, and the sickness or injury is caused by the reason(s) for the warning being issued.

The above is a summary only. There are other limitations and exclusions. For details regarding all limitations and exclusions, refer to the sample Certificate of Insurance (CIBC Comprehensive Travel Insurance Plan) (PDF, 475 KB) . In particular, refer to the sections entitled "Specific Conditions and Limits On Coverage” and "Specific Exclusions."

¹ The maximum duration of an insured trip including any extensions or top-ups cannot exceed your provincial or territorial maximum. For more information, contact your provincial or territorial health authority or visit their website.

² Before your Multi Trip Annual Plan expiry date, you’ll be contacted by mail or email. If you select to be automatically re-enrolled at time of application, you’ll be notified of the premium amount for the new 12-month term, and your premium will be charged to the credit card that you provide when you first apply for coverage. If you don’t authorize automatic renewal of your Multi Trip Annual Plan, then you’ll be notified by mail or email that you’ll need to re-enroll if you want to maintain coverage.

³ CIBC Travel Medical Insurance is available at cibc.com/travel or by phoning Allianz Global Assistance at 1-800-281-9109.

⁴ Certain benefits are subject to maximum coverage limits specified in the Certificate of Insurance. CIBC Travel Medical Insurance is subject to a maximum aggregate coverage limit of $10 million per insured traveller per insured trip.

⁵ 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.