How do I activate the CIBC Dividend Visa Infinite travel insurance benefits?

There is no enrollment. Coverage is automatic as long as you are a Canadian resident with a valid provincial health plan and the card account is in good standing. For most benefits you must charge the eligible cost to the card: the full rental for car coverage, the fare for the common carrier accident benefit, and the purchase price for purchase, warranty, and mobile device claims. Emergency medical applies on its own for the first 10 days of a trip if you are age 64 or under. The one action that matters most is calling Global Excel before you seek medical treatment, since failing to call can limit what is paid.

Who is covered under my CIBC Dividend Visa Infinite benefits?

The primary cardholder, their spouse, and dependent children are covered. Dependent children must be under 21, or under 25 if a full time student, or have a permanent disability. For the out of province emergency medical benefit there is a strict age rule: each insured person is covered only if they are age 64 or under on the departure date. Anyone 65 or over has no medical coverage under this certificate, even if they are listed on the account. The rental, common carrier, and purchase benefits do not have that age limit.

How does the CIBC Dividend Visa Infinite rental car coverage actually work?

It is primary collision and loss damage coverage, which is stronger than the secondary cover on many cards because it pays before your own auto policy. To use it, charge the entire rental cost to the card and decline the rental agency's collision damage waiver at the counter. Coverage then applies up to the vehicle's actual cash value plus valid loss of use, with no deductible. The rental can run up to 48 consecutive days, and the vehicle MSRP must be $85,000 or less. Vans, trucks, pick-ups, and exotic cars are excluded. Report any damage or theft within 48 hours.

What does the CIBC Dividend Visa Infinite not cover?

Quite a lot for a paid travel card. There is no trip cancellation, no trip interruption, no flight or trip delay, no missed connection, and no baggage coverage of any kind. Emergency medical stops after 10 days and excludes anyone 65 or over. The rental benefit does not cover third party liability, roadside assistance, or personal effects. On the protection side there is no price protection, no return protection, and no identity theft help. Pre-existing medical conditions must be stable for 90 days before departure to be covered.

Do I need separate travel medical insurance with the CIBC Dividend Visa Infinite?

Often yes. The card's emergency medical is capped at the first 10 days of a trip, so any trip longer than that leaves you uninsured for the rest. It also covers no one age 65 or over. If you are travelling for more than 10 days, are 65 or older, or want coverage for trip cancellation and baggage that this card does not include, a standalone travel insurance policy is worth buying. For a short trip under 65 with no prepaid costs at risk, the built in medical may be enough on its own.

Does the CIBC Dividend Visa Infinite cover travellers age 65 and over?

No. The out of province emergency medical certificate defines its coverage period only for insured persons age 64 or under on the departure date, and makes no provision for anyone older. In practice that means a traveller 65 or over has no emergency medical coverage from this card at all. The $5,000,000 limit and the 10 day window simply do not apply to them. Older travellers should arrange a separate travel medical policy before leaving the province.

Is the CIBC Dividend Visa Infinite rental car coverage primary or secondary?

It is primary. That means the card's coverage pays first for theft, loss, or damage to the rental car, before your personal auto insurance is touched. The practical benefit is that a minor scratch or a stolen car does not have to go through your own policy, so you protect your premiums and avoid your auto deductible. Just remember the conditions: charge the full rental to the card, decline the agency waiver, keep the rental to 48 days or fewer, and stay within the $85,000 MSRP limit.

CIBC Dividend Visa Infinite benefits: which insurance actually pays out?

CIBC·CA$120/year·Visa Infinite·Belair Insurance Company Inc.

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 24, 20268 min read

2,5/5Independent review · verified July 2026

Travel Insurance

1,7

Car Rental

4,3

Protection

3,0

Our Verdict · Travel Insurance

Our take on travel insurance for the CIBC Dividend Visa Infinite

Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews

Huge medical limit. Almost nothing else. The $5,000,000 emergency medical number is real, but it runs for only 10 days and stops cold at age 65, and there is no trip cancellation, interruption, delay, or baggage coverage anywhere on this card. Picture booking a two week trip: days 11 to 14 you are uninsured, and a 66 year old travelling with you was never covered at all. What this card actually protects is a medical emergency in the first 10 days plus a $500,000 common carrier accident benefit. Next to a real travel package that bundles cancellation and baggage cover, the Dividend Visa Infinite travel insurance is a thin medical add on, not a trip protection plan. If your trips run short, you are under 65, and you carry separate cancellation cover, it does the job; otherwise you will want a standalone policy.

What works on travel

$5,000,000 emergency medical per person, with Global Excel arranging direct hospital payment where possible
$500,000 common carrier travel accident with no age cut off
Emergency evacuation and a flight home included inside the medical limit

Where travel breaks down

Emergency medical lasts only 10 days and covers no one age 65 or over
No trip cancellation, interruption, delay, or missed connection coverage
No baggage coverage of any kind, delayed or lost

Our methodology

Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.

Travel Insurance · 11 guarantees

What does CIBC Dividend Visa Infinite Travel Insurance actually cover?

No trip cancellation at all. Cancel a $4,000 family trip for illness and none of it comes back. This is a cash back card, not a travel protection package.

No trip cancellation coverage. The card has no benefit for prepaid trips you cancel before leaving. Every nonrefundable deposit, flight, and tour you cancel is the cardholder's responsibility.

The $5M headline hides two traps. Coverage lasts only 10 days, and there is zero medical coverage once you turn 65. A serious US hospital stay runs $20K to $80K, all yours after day 10 or at any age past 64.

Deductible : No deductible

Up to $5,000,000 per insured person for emergency medical care outside your province, but only for the first 10 days of a trip and only if you are age 64 or under on your departure date. Global Excel must be called before treatment and arranges direct payment to the hospital where possible. Travellers 65 and over are not covered at all under this certificate.

Evacuation rides on the same medical certificate, so the same limits apply: nothing past 10 days, nothing at age 65 or over.

Deductible : No deductible

Emergency evacuation, air and ground ambulance, and a one way economy flight home are covered inside the $5,000,000 medical limit. Global Excel arranges and pays for the transport, and must approve it in advance. Return of remains is covered up to $5,000.

No interruption payout. The only flight home this card funds is tied to your own medical emergency, and that sits inside the medical benefit.

No trip interruption coverage. If a covered emergency cuts your trip short, the card does not reimburse the unused, nonrefundable portion. Those lost costs are the cardholder's responsibility.

No trip or flight delay coverage. The card pays nothing for a delayed departure of any length. Meals, hotels, and rebooking during a delay are out of pocket.

No missed connection coverage. A blown connection that strands you is not covered. Rebooking and overnight costs are the cardholder's responsibility.

No early return benefit. The card does not pay to fly you home early for a family emergency back in Canada. The only flight home it covers is tied to your own medical emergency abroad.

No baggage delay coverage. If the airline delays your checked bags, the card buys you nothing. Replacement clothes and toiletries during the wait are out of pocket.

No lost or stolen baggage coverage. Bags that the airline loses or that are stolen in transit are not reimbursed. The full value of your luggage and its contents is the cardholder's responsibility.

Covers only accidents on a common carrier, not everyday accidents. Unlike the medical benefit, there is no age cut off here.

Deductible : No deductible

Up to $500,000 for accidental death or dismemberment while you ride as a paying passenger on a plane, train, bus, or boat. At least 75% of the fare must be charged to the card. The maximum payout is $500,000 per accident, no matter how many losses.

No hotel theft coverage. Items stolen from your hotel room are not covered by this card. The loss is the cardholder's responsibility.

Policy document 1

Policy document 2

We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?

Report an error Send updated PDF

Coverage Radar

Where the CIBC Dividend Visa Infinite wins, where it loses

Coverage snapshot for this tab — click any layer to highlight its scores.

Evacuation: above the market average

Trip Cancel: not covered by this card

Stay Interrupt: not covered by this card

Trip Delay: not covered by this card

Compare

Dividend Visa InfiniteThis card2.5/5?

CA$120/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

CA$236 avg. annual fee

Click a layer to highlight its scores on the radar.

Side-by-side comparison

How the CIBC Dividend Visa Infinite stacks up against the alternatives

Same 5 coverage dimensions, ranked head-to-head against the cards most Dividend Visa Infinite shoppers also consider.

Card	This card Dividend Visa Infinite CIBC · CA$120/yr 2.5/5?	Aeroplan Visa Infinite CIBC · CA$139/yr 4.1/5?	Rewards World Elite Mastercard BMO · CA$150/yr 4.3/5?	World Elite Mastercard ATB Financial · CA$120/yr 4.1/5?
Trip cancellation Per person, per trip cap	Not covered Cover this gap →	$1,500 / person 27 covered reasons	$2,500 / person ($5,000 / account) $0 deductible	$1,000 / person (max $5,000 / trip)
Emergency medical Hospital bills abroad	$5,000,000 / person Age 64 or under only	$5,000,000 15 days, 3 days at 65+	$2,000,000 (under 65, first 21 days) First 21 days only	$2,000,000 / person · ≤22 days · under 65
Emergency evacuation Air ambulance + repatriation	Included in $5M medical Air + ground ambulance	Within $5M medical Within emergency medical	Actual cost (pre-authorization required) Pre-authorization required	Included (within medical)
Trip delay trigger Hours before benefits kick in	Not covered Cover this gap →	4h / $500 4-hour trigger	$500 / account / trip (6h+ delay) Trigger: 6 hours	$500 / trip ($250/day, up to 2 days)
Trip interruption Covered amount	Not covered Cover this gap →	$2,000 / person 27 covered reasons	$2,000 / person Up to $2,000 / person	$1,000 / person (max $5,000 / trip)

StrongLimited / misleadingNot covered

Data verified against each card's Guide to Benefits, May 2026.

Cardholder reviews

What cardholders say about the CIBC Dividend Visa Infinite

Real themes from cardholder forums and review sites on coverage and claims 41 reviews

r/PersonalFinanceCanada

February 2025

Primary rental cover saved me the counter fee

Booked a rental for a road trip, charged it all to the Dividend, declined their CDW and saved about $20 a day. Good to know it pays before my own car insurance, so a scratch claim would not touch my premiums.

creditcardGenius community

November 2024

Insurance is basic for a paid card

People assume a $120 Infinite card comes with a full travel package. It does not. There is medical and a rental waiver, but no trip cancellation and no baggage. I keep a separate travel policy for anything longer than a weekend.

r/PersonalFinanceCanada

August 2024

The age 65 cut off caught my parents

Found out the hard way that the emergency medical does not cover anyone 65 or older, and even under 65 it is only ten days. My dad assumed the $5 million meant he was set for a three week trip. He was not. Buy a real policy if you are older or travelling long.

Canada and US Assistance

1-866-363-3338

24/7

International Assistance

collect: +1-905-403-3338

Collect calls accepted · 24/7

Benefit administrator: Belair Insurance Company Inc. (insurer) | Global Excel Management Inc. (claims and assistance)

Claims & pre-authorizations

How to file a CIBC Dividend Visa Infinite claim

Step 1: Call Global Excel before you act

For a medical emergency, call Global Excel at 1-866-363-3338 (Canada and US) or collect at +1-905-403-3338 before seeking treatment. Pre-approval protects your coverage and lets Global Excel arrange direct payment to the hospital where possible.

Step 2: Report rental and property claims fast

Report rental car damage or theft within 48 hours. For purchase, warranty, or mobile device claims, give notice within 45 days and gather your card statement, receipts, the police or repair report, and the manufacturer's warranty.

Step 3: Submit proof of loss within 90 days

Complete the claim form and send all original itemized documents to Global Excel Management Inc., 73 Queen Street, Sherbrooke, Quebec J1M 0C9, within 90 days of the event. Keep copies of everything you send.

There is no enrollment. Coverage is automatic as long as you are a Canadian resident with a valid provincial health plan and the card account is in good standing. For most benefits you must charge the eligible cost to the card: the full rental for car coverage, the fare for the common carrier accident benefit, and the purchase price for purchase, warranty, and mobile device claims. Emergency medical applies on its own for the first 10 days of a trip if you are age 64 or under. The one action that matters most is calling Global Excel before you seek medical treatment, since failing to call can limit what is paid.
The primary cardholder, their spouse, and dependent children are covered. Dependent children must be under 21, or under 25 if a full time student, or have a permanent disability. For the out of province emergency medical benefit there is a strict age rule: each insured person is covered only if they are age 64 or under on the departure date. Anyone 65 or over has no medical coverage under this certificate, even if they are listed on the account. The rental, common carrier, and purchase benefits do not have that age limit.
It is primary collision and loss damage coverage, which is stronger than the secondary cover on many cards because it pays before your own auto policy. To use it, charge the entire rental cost to the card and decline the rental agency's collision damage waiver at the counter. Coverage then applies up to the vehicle's actual cash value plus valid loss of use, with no deductible. The rental can run up to 48 consecutive days, and the vehicle MSRP must be $85,000 or less. Vans, trucks, pick-ups, and exotic cars are excluded. Report any damage or theft within 48 hours.
Call Global Excel at 1-866-363-3338 from Canada or the US, or collect at +1-905-403-3338 from elsewhere. For a medical emergency, call before treatment. For a rental claim, report the damage or theft within 48 hours. For purchase, warranty, or mobile device claims, give notice within 45 days. In every case you must submit the completed claim form and all original itemized documents within 90 days of the event, mailed to Global Excel Management Inc., 73 Queen Street, Sherbrooke, Quebec J1M 0C9. Keep copies of everything.
Quite a lot for a paid travel card. There is no trip cancellation, no trip interruption, no flight or trip delay, no missed connection, and no baggage coverage of any kind. Emergency medical stops after 10 days and excludes anyone 65 or over. The rental benefit does not cover third party liability, roadside assistance, or personal effects. On the protection side there is no price protection, no return protection, and no identity theft help. Pre-existing medical conditions must be stable for 90 days before departure to be covered.
Often yes. The card's emergency medical is capped at the first 10 days of a trip, so any trip longer than that leaves you uninsured for the rest. It also covers no one age 65 or over. If you are travelling for more than 10 days, are 65 or older, or want coverage for trip cancellation and baggage that this card does not include, a standalone travel insurance policy is worth buying. For a short trip under 65 with no prepaid costs at risk, the built in medical may be enough on its own.
No. The out of province emergency medical certificate defines its coverage period only for insured persons age 64 or under on the departure date, and makes no provision for anyone older. In practice that means a traveller 65 or over has no emergency medical coverage from this card at all. The $5,000,000 limit and the 10 day window simply do not apply to them. Older travellers should arrange a separate travel medical policy before leaving the province.
It is primary. That means the card's coverage pays first for theft, loss, or damage to the rental car, before your personal auto insurance is touched. The practical benefit is that a minor scratch or a stolen car does not have to go through your own policy, so you protect your premiums and avoid your auto deductible. Just remember the conditions: charge the full rental to the card, decline the agency waiver, keep the rental to 48 days or fewer, and stay within the $85,000 MSRP limit.