CIBC Aventura® Visa Infinite* Card

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

Coverage Area	Covered?	Limit	Conditions	Exclusions
emergency medical Start Claim	✅ Yes	$5,000,000	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+)	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
travel accident Start Claim	✅ Yes	$500,000	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	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
trip cancellation Start Claim	✅ Yes	$1,500 per person ($5,000 total per trip)	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	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
trip interruption Start Claim	✅ Yes	$2,000 per person	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)	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
trip delay Start Claim	✅ Yes	$500	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)	War, hostile acts, or service in armed forces Criminal acts committed by the insured Failure of devices to read date/time data
lost baggage Start Claim	✅ Yes	$500 per person ($1,000 aggregate)	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)	Animals Cameras and accessory equipment Eyeglasses, sunglasses, contact lenses Money, securities, tickets, and valuable papers Items lost or stolen during commuting
delayed baggage Start Claim	✅ Yes	$500 per person ($1,000 aggregate)	Covers essential clothing and toiletries Baggage must be in custody of an airline Purchases must be made within 4 days of delay occurrence	Purchases made after baggage is returned War or acts of war Criminal acts
rental car Start Claim	✅ Yes	Up to MSRP $85,000	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	Third party liability Personal injury or damage to property other than the rental car Intoxicated driving Off-road operation Normal wear and tear
cell phone protection Start Claim	✅ Yes	$1,000 Ded: 10% of depreciated value	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	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
purchase protection Start Claim	✅ Yes	Purchase price up to $60,000 lifetime per cardholder	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	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
extended warranty Start Claim	✅ Yes	Up to purchase price	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	Motorized vehicles and parts Used or refurbished items Items for business/commercial use Improper installation or alteration

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