🇨🇦 CIBC Aventura® Visa Infinite* Card
Annual Fee: $139
Issuer: CIBC
Policy Version: July 2025
Last Updated: 2026-02-08
Policy Information
Claims Contact
- website: cibc.client.insure
- phone domestic: 1-866-363-3338
- phone international: +905-403-3338
Global Limits
- who is covered: Cardholder, spouse, and dependent children
- trip duration limit: 15 days (age 64 or under); 3 days (age 65 or over)
Coverage Summary
Conditions
- • Must contact Global Excel before seeking treatment
- • Must be a resident of Canada covered by a government health insurance plan
- • Trip must begin and end in your province of residence
- • Coverage extends automatically for delays (transportation, medical unfitness, hospitalization)
- • Must be under age 65 for 15-day coverage (3 days if 65+)
Exclusions
- × Medical conditions that were not stable in the 90 days before departure (180 days if age 65+)
- × Conditions requiring home oxygen or chemotherapy in the 90 days before departure
- × Travel contrary to medical advice
- × Routine pre-natal care or pregnancy complications within 9 weeks of due date
- × Professional sports, motorized racing, and high-risk activities like scuba diving without certification
Conditions
- • Must be riding as a passenger on a common carrier
- • At least 75% of ticket price must be charged to the card
- • Includes loss of life, limb, sight, speech, or hearing
Exclusions
- × Intentional self-inflicted injuries or suicide
- × Sickness or disease
- × War or acts of war
- × Commission of a criminal offence
- × Operating or serving as crew on the carrier
Conditions
- • Must notify insurer and travel supplier as soon as reasonably possible
- • Reimbursement limited to non-refundable prepaid travel arrangements
- • Only covers expenses charged to the card or paid via points
Exclusions
- × Medical conditions not stable in the 90 days before effective date
- × Travel to visit an ailing person where that person's condition causes the claim
- × Pregnancy complications within 9 weeks of expected delivery
- × Travel warnings issued before departure
- × Professional sports or high-risk activities
Conditions
- • Must occur after departure
- • Reimburses non-refundable unused arrangements and/or extra transportation costs
- • Benefit includes up to $1,000 for out-of-pocket expenses (accommodation, meals, taxi)
Exclusions
- × Medical conditions not stable in the 90 days before departure
- × Travel to visit an ailing person where that person's condition causes the claim
- × Pregnancy complications within 9 weeks of expected delivery
- × Travel warnings issued before departure
Conditions
- • Delay must be due to strike, quarantine, civil commotion, hijack, natural disaster, weather, mechanical breakdown, or air traffic congestion
- • Must provide receipts for living, transportation, and entertainment expenses
- • Includes sub-limits for transportation ($100) and entertainment ($100)
Exclusions
- × War, hostile acts, or service in armed forces
- × Criminal acts committed by the insured
- × Failure of devices to read date/time data
Conditions
- • Covers essential clothing and toiletries
- • Baggage must be in custody of an airline
- • Purchases must be made within 4 days of delay occurrence
Exclusions
- × Purchases made after baggage is returned
- × War or acts of war
- × Criminal acts
Conditions
- • Baggage must be checked with or carried on a common carrier
- • Payment based on actual replacement cost (if replaced) or actual cash value
- • Must be charged to the card (at least 75% of fare)
Exclusions
- × Animals
- × Cameras and accessory equipment
- × Eyeglasses, sunglasses, contact lenses
- × Money, securities, tickets, and valuable papers
- × Items lost or stolen during commuting
Conditions
- • Must initiate and complete rental with the card
- • Must decline rental agency's Collision Damage Waiver (CDW/LDW)
- • Only one rental car covered at a time
- • Must report loss/damage within 48 hours
Exclusions
- × Third party liability
- × Personal injury or damage to property other than the rental car
- × Intoxicated driving
- × Off-road operation
- × Normal wear and tear
Conditions
- • Must charge full purchase price to card OR finance with card paying all bill payments
- • Coverage limited to 2 years from purchase
- • Depreciation applies (2% per month)
- • Must notify wireless provider within 48 hours of loss/theft
Exclusions
- × Accessories, batteries, and laptop computers
- × Used, previously owned, or refurbished devices
- × Devices purchased for resale or business use
- × Mysterious disappearance
- × Cosmetic damage not affecting functionality
Conditions
- • At least a portion of the purchase price must be charged to the card
- • Covers loss, theft, or physical damage
- • Items given as gifts are covered
Exclusions
- × Cash, travellers cheques, gift cards, bullion
- × Animals and living plants
- × Jewelry in baggage (unless hand-carried)
- × Used or refurbished items
- × Motorized vehicles and their parts
- × Items for business/commercial use
Conditions
- • Doubles original manufacturer's warranty up to one additional year
- • Original warranty must be valid in Canada or US
- • Valid warranties over 5 years must be registered in the first year
- • At least a portion of purchase price must be charged to the card
Exclusions
- × Motorized vehicles and parts
- × Used or refurbished items
- × Items for business/commercial use
- × Improper installation or alteration