What does the insurance of my Aventura Gold Visa CIBC card cover?

Example: Isabelle has to cancel her trip to Europe because she fell seriously ill. Her doctor provides a certificate stating that she is unable to fly for her planned stay in the Balearic Islands. The costs of her flight and hotel are reimbursed by her card insurance.

During the trip Recommendation Group Travel Accident Insurance Covered - Recommendation: $50,000

This guarantee offers protection and assistance in case of accidents occurring during trips booked with your card for the cardholder and their family (spouse, children, etc.). It covers medical expenses, emergency medical assistance, compensation in case of death or disability, reimbursement of interrupted travel expenses, help in case of lost documents, and baggage protection. This insurance applies when using public transportation (trains, buses, taxis, etc.) as well as with a rental car.

Example: While using a taxi paid with her card to get to the airport, Laura is injured in an accident. The insurance fully covers all expenses for her treatment and repatriation home.

Flight Delay Insurance Actual costs Covered - Recommendation: $500

This coverage provides protection in the event of a delay of more than 4 hours in the arrival or departure of your scheduled flight with a commercial airline. It covers the following costs incurred due to the delay:

Meal expenses: meals and refreshments.
Accommodation: hotel expenses if necessary.
Transfer costs: including transfers to and from the airport or train station.
Ticket modifications: for connecting tickets affected by the delay.

Baggage Loss, Theft, Damage Covered - Recommendation: $1,000

This coverage provides protection if your luggage is lost, stolen, or accidentally damaged during check-in with a public carrier or transportation by a public carrier during a trip.

Example: Caroline, returning from Barcelona, discovers at Vancouver airport that her recently purchased suitcase has suffered significant damage to the shell and handle. She follows the procedure by submitting a claim to the appropriate airport service, keeping proof of this action. The next day, she files her insurance claim. As a result, she is eligible for compensation from her insurer, in addition to that offered by the airline.

Baggage Delay Covered - Recommendation: $500

This coverage is activated in case of baggage delay of 6 hours or more after your arrival. It covers expenses incurred for the purchase of essential items (clothing and toiletries only).

Recommendation Trip Interruption Non covered - Recommendation: $5,000

This coverage is activated in the following situations occurring during your trip:

Illness preventing you from continuing your trip because it requires medical supervision (including COVID-19), as confirmed by a doctor.
Death of a family member in your home country or a travel companion.
Transportation delay causing you to miss a connection or preventing you from continuing your trip. Flight cancellation is not a valid reason.
This coverage includes reimbursement of travel-related expenses (tickets, hotels, etc.) in case of postponement or non-use for one of the mentioned reasons.

Example: Marc was supposed to attend a diving course in Cuba. Unfortunately, he learned of his grandfather's death in Winnipeg. Marc contacted his card assistance to arrange an emergency return to Canada for the funeral. Upon his return, Marc filed a claim with his insurer. As a result, he was reimbursed for the eight hotel nights he couldn't use and the airfare.

Hotel or Motel Burglary Insurance Covered - Recommendation: $1,000

This coverage includes the replacement or repair of your personal belongings that are stolen or damaged due to a burglary in your hotel room, motel room, or cruise cabin. Stolen or lost cash and checks are excluded from coverage, as well as burglaries in a vacation rental.

Emergency Transportation or Evacuation Actual costs Actual costs Covered - Recommendation: Actual costs

This coverage is activated in case of an accident or serious illness, including COVID-19, requiring medical repatriation. It covers the costs of transportation back to your home.

Out-of-Province Emergency Medical Insurance Covered - Recommendation: $150,000

This guarantee covers you and your family in the event of a medical emergency occurring outside your province of residence or abroad. It includes reimbursement of medical expenses for emergency treatments, hospitalization, and prescribed medications. It may also cover the cost of emergency medical transport to a better-equipped hospital or repatriation for medical reasons to your home province. Coverage is granted when the trip is paid for in full with your card or using loyalty points associated with your card.
You are covered :

the first 15 consecutive days of a trip, including the departure and return dates, if you are under 65.
the first 3 consecutive days of a trip, including departure and return dates, if you are 65 or over.

Example: Sarah had an accident while hiking in the Appalachians in the United States. When she was taken to the nearest hospital, doctors found a knee injury requiring immediate surgery. Fortunately, thanks to her insurance, the costs of her hospitalization and helicopter transport to a specialized medical center were fully covered.