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Exclusively for CIBC retirees:

Travel medical protection and assistance

As a member of the CIBC retiree benefits program, you have access to basic emergency coverage when you travel outside the province or Canada. Knowing your health and finances are protected lets you enjoy your trip, worry-free.

We strongly encourage you to review the following information ahead of your trip – it will help you prepare for your experience. If you have any questions or need more information, please call Allianz Global Assistance at 1-800-513-5934. 

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Your benefits

Your benefits include complimentary travel medical protection and assistance coverage under the Basic Travel Medical Plan for the first 8 days of a trip outside Canada:

  • An unlimited number of trips within Canada of any length (up to the maximum number of days allowed by your provincial or territorial health insurance plan)
  • Savings on additional coverage when travelling outside of Canada for more than 8 days
  • Access to 24/7 assistance with medical, legal and other travel-related emergencies

Welcome letter and wallet card - important information about your plan. 

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Need additional travel insurance?

  • Call Allianz Global Assistance at 1-800-513-5934 or click here to purchase additional travel medical insurance if your trip outside Canada will be longer than 8 days or you require trip cancellation or interruption coverage.
  • Eligible CIBC retirees receive the following preferred rates: 40% less than the regular premium rates for optional out-of-Canada Emergency Hospital and Medical Insurance and 10% less than the regular premium rates for Non-Medical Travel Insurance. Rates will vary based on the duration of your trip, your age and your health.

Medical screening reference - outlines the health questions you will be asked.

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Policy wording

8 Day Basic Plan:

Optional Plans:

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Visit our online Claims Portal to file your claims

You don’t need to wait until you’re home to file a travel insurance claim. It’s easy, and thanks to our online claims portal – you can do it from anywhere.

  • Get started by visiting the online claims portal.
  • Be sure to gather all your claim information (invoices, receipts, etc.).
  • Claims for all products and benefits can be submitted online.
  • Remember: submit your claim as soon as possible. The sooner we receive all your claim information, the faster we can review your claim. If information is missing, we will contact you.
  • Each claim is unique and may require records from the facility where you were treated, and/or your doctors at home. Obtaining these records may take some time. Once your claim has been reviewed, you will receive your explanation of benefits.

Medical claim form - use this if you require a printable form.

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Plan in advance and do your research

  • Check travel advisories on the countries you will be visiting. Review requirements for your departure, arrival at your destination, and return to Canada.
  • Take the time to read your policy and confirm you have the right coverage. Information about your travel medical protection and travel assistance coverage is outlined in your benefits booklet which is available on myBenefits at www.cibchr.com.
  • Save scanned copies of your important documents, including your travel insurance details, in an email for easy access if you lose your originals. Share copies with close family or friends as well for additional back up.
  • If you have any known medical conditions, including a change in health, you might not be covered in certain situations, if applicable to your plan. Remember: travel insurance doesn’t cover everything!
  • Check your travel dates, flights, hotel bookings, and policy coverage dates – make sure all the dates line up! Leave your itinerary and contact information with a trusted family member or friend.
  • Confirm how to call Canada from your destination country before you leave.
  • Register as a Canadian abroad with the Government of Canada.
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Pack these items

  • Passport and Visa (if necessary)
  • Travel insurance documents
  • Your medication in your carry-on, but leave any cannabis products at home
  • Re-usable bag to keep invoices, receipts, proof of departure (boarding pass) in

More resources

If you require medical care while travelling, it is critical that you contact Allianz Global Assistance before seeking treatment. Our caring and experienced in-house medical team is ready to help you 24/7.

Our Emergency Assistance Specialists will guide you to the most optimal healthcare solution based on your condition and location, arrange payment on your behalf whenever possible, and share important information and next steps related to your claim. They can also connect you with Virtual Care from an MD via video or teleconference when appropriate.

In a life-threatening medical emergency, get to a hospital immediately and have a family member or friend call Allianz on your behalf within 24 hours of admission and before any surgery is performed.
 
To contact us in an emergency, please use one of the following numbers:
 
  • From Canada and the United States, toll-free: 1-800-513-5934
  • From anywhere else in the world: Ask the operator to place a collect call to Canada at 416-340-0405.

We’ll ask for your HR ID, so please have it ready when you call.

We will need your permission to gather information from the treating facility and your family doctor.

Remember to keep all original invoices, receipts and reports – you might need them in the event of a claim.

Whether your dream trip involves exploring the Galapagos Islands or marveling at the beauty of Canada’s Northern Lights, it’s important to keep at least one foot in reality. Here are some ways to immerse yourself in the moment and stay safe while you do:

  • Keep your wits about you and be aware of your surroundings.
  • If you wouldn’t engage in certain activities at home, consider avoiding them while you’re travelling.
  • Leave your itinerary with your hotel.
  • Store valuables such as expensive jewelry, large amounts of money and extra credit cards in a hotel or bank safe.
  • Only carry the money, credit cards and other valuables you’ll need for each day, outing or activity.
  • Conceal valuables that you’ll carry with you while you’re out and about.
  • If you must travel alone at night, stick to brightly lit, well populated areas.
  • Know how to dial 911 in the country you’re visiting.
  • Be sure to eat and drink according to your activity level and environment.
  • Continue to take your medication as prescribed by your doctor.
  • Keep your wallet card handy and use the information on it to contact us if you need emergency assistance while travelling.
  • Apply sunscreen in sunny conditions – at any time of year.

Travel insurance does not cover everything. Please refer to the policy certificate for full terms and conditions, including limitations and exclusions. Travel insurance is underwritten by CUMIS General Insurance Company, a member of the Co-Operators Group of Companies and administered by Allianz Global Assistance. Allianz Global Assistance is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd.

The CIBC logo is a registered trade-mark of CIBC. AZGA Service Canada Inc. o/a Allianz Global Assistance is authorized to use this registered trademark.