On the cards quoted below, travel insurance comes with conditions, limitations and exclusions set out in the card’s certificate of insurance, which sets the limits, the days covered and who is insured. The two tables under travel insurance by card list the emergency medical and trip cover that the cards’ providers state, by annual fee, and the conditions section gives the certificate terms that decide whether a claim is paid.
What credit card travel insurance covers
A card’s travel insurance is made up of several kinds of cover, listed one after another in its certificate. The lines below are what Amex states for one card, the American Express Gold Rewards Card, so the amounts are that card’s:
- Emergency medical cover is up to $5,000,000 per insured person per trip for the first 15 consecutive days of a trip (the certificate counts the departure date), for insured persons aged 64 or under on the departure date. The insured persons are the Cardmember, the Cardmember's spouse or the Cardmember's dependent child who have a valid government health insurance plan, whether travelling together or not. Amex's certificate says a top-up can be bought through the Enrollment Centre, charged to the card.
- Trip cancellation: covers the non-refundable and non-transferable portion of travel arrangements charged to the card before departure if the trip is cancelled for a covered reason, up to $1,500 per insured person per trip and $3,000 for all insured persons combined. The certificate adds that cover applies when any portion of the prepaid arrangements is charged to the card or bought with Membership Rewards points.
- Flight delay: if a confirmed scheduled departure is delayed four hours or more, or the insured person is denied boarding because of overbooking with no alternative transportation within four hours, the certificate pays reasonable living expenses and sundry items during the delay. A missed connection caused by a delayed incoming flight is covered when the airline offers no onward transportation within four hours. The maximum for flight delay and emergency baggage delay combined is $500 per occurrence. Cover begins when the full fare of the airline ticket is charged to the card. The trip cancellation and interruption certificate also covers trip delay: when a covered cause during the trip delays you beyond your scheduled return date.
- Emergency baggage delay: if checked-in baggage is not delivered within six hours of arrival at the outbound flight destination, the certificate pays reasonable and necessary emergency purchases of essential clothing and sundry items made within four days of arrival, before the baggage is returned. It shares the $500 flight and baggage delay limit per occurrence. It does not apply to a flight returning to the insured person's place of residence.
- Travel accident: accidental death and dismemberment cover up to $500,000 per covered person when the full fare of a plane, train, ship or bus ticket is charged to the card, for an accident while riding solely as a passenger on a common carrier (the certificate defines a common carrier conveyance as other than a rental vehicle). It excludes injury received while driving, riding in, boarding or alighting from a rental vehicle.
- Hotel burglary: covered for up to $500 against the loss of most personal items (excluding cash) if the accommodation is broken into, when the accommodation is charged to the card. Cover applies per burglary occurrence to loss of or damage to personal items when the accommodation is broken into while the insured person is registered as a guest; cash and currency are excluded.
Other cards’ limits for medical, cancellation, interruption, delay and baggage cover are in the tables below. Collision and damage cover for a rented car is on the rental car insurance page.
Travel insurance by card
The first table gives emergency medical cover and the second gives trip cover, summarised from what each card’s provider states, in order of annual fee.
Emergency medical cover by card
These cards’ providers list emergency medical cover; each cell gives the cover as this site has recorded it from the provider’s documents for the card; the card’s certificate can hold more, such as limits or days a cell leaves out.
| Card | Provider | Annual fee | Emergency medical cover |
|---|---|---|---|
| Rogers Red World Elite Mastercard | Rogers Bank | $0 | up to $1 million; the first 10 days of a trip if age 64 and under, the first 3 days if age 65 up to and including 75 |
| BMO VIPorter World Mastercard | BMO | $89/year | emergency medical insurance up to $5,000,000 per covered person per trip, for up to 8 consecutive days per trip for covered persons age 64 or younger |
| ScotiaGold Passport Visa Card | Scotiabank | $110/year | up to $1 million in emergency medical coverage for the cardmember, spouse and dependent children travelling outside their province or territory of residence, for eligible persons under age 65 for up to 25 consecutive days; the date of departure counts as day one; extra days beyond 25 can be bought from the insurer before departure; the benefit is subject to an exclusion for pre-existing medical conditions |
| National Bank World Mastercard | National Bank of Canada | $115/year | up to $5,000,000 per person; 54 and under 60 days, 55 to 64 31 days, 65 to 75 15 days |
| RBC Avion Visa Infinite | RBC Royal Bank | $120/year | unlimited emergency medical insurance; the first 15 consecutive days of a trip for travellers under 65, the first 3 consecutive days at 65 or older (top-up available before departure) |
| BMO eclipse Visa Infinite Card | BMO | $120/year | emergency medical insurance up to $5 million per insured person, per trip, up to 15 consecutive days, for insured persons aged 64 or under on the departure date |
| CIBC Dividend Visa Infinite Card | CIBC | $120/year | Out-of-Province Emergency Travel Medical Insurance: up to $5,000,000 per insured person per trip; 10-day coverage period if age 64 or under |
| Scotia Momentum Visa Infinite+ Card | Scotiabank | $120/year | up to $1 million CAD for you, your spouse and eligible dependent children; travellers under 65 for up to 15 consecutive days |
| Scotiabank Gold American Express Card | Scotiabank | $120/year | up to $1 million for you, your spouse and eligible dependent children; under 65 for up to 25 consecutive days, 65 and older for up to 3 consecutive days |
| MBNA Rewards World Elite Mastercard | MBNA | $120/year | Travel medical insurance included: up to $2 million of coverage for the first 21 days of the trip, for an insured person under 65 years of age |
| TD Aeroplan Visa Infinite Card | TD | $139/year | up to $2,000,000 per insured person per trip; first 21 consecutive days of a trip if 64 or under, first 4 consecutive days if 65 or older |
| CIBC Aeroplan Visa Infinite Card | CIBC | $139/year $159/year and $80 for each additional card, both from January 12, 2027 | up to $5,000,000 per insured person per trip; 15-day coverage period if age 64 or under on departure date, 3-day if age 65 or over |
| CIBC Aventura Gold Visa Card | CIBC | $139/year | up to $5,000,000 per insured person per trip; 15-day coverage period if age 64 or under |
| WestJet RBC World Elite Mastercard | RBC Royal Bank | $139/year | unlimited emergency medical insurance; the first 15 consecutive days of a trip for travellers under 65, the first 3 consecutive days at 65 or older (top-up available) |
| TD Cash Back Visa Infinite Card | TD | $139/year | up to $2,000,000 per insured person per trip; first 10 consecutive days of a trip if 64 or under, first 4 consecutive days if 65 or older |
| CIBC Aventura Visa Infinite Card | CIBC | $139/year | up to $5,000,000 per insured person per trip; 15-day coverage period if age 64 or under, 3-day coverage period if age 65 or over |
| TD First Class Travel Visa Infinite Card | TD | $139/year | up to $2,000,000 per insured person per trip; first 21 consecutive days of a trip if 64 or under, first 4 consecutive days if 65 or older |
| BMO Ascend World Elite Mastercard | BMO | $150/year | emergency medical insurance up to $5 million per insured person, per trip, up to 21 consecutive days, for insured persons aged 64 or under on the departure date |
| Scotiabank Passport Visa Infinite+ Card | Scotiabank | $150/year | up to $2 million CAD for the cardmember, a spouse who is a resident of Canada covered by a government health plan, and eligible dependent children, while the account is in good standing; the first 25 consecutive days of a trip for travellers under 65, the first 3 consecutive days at 65 or older |
| American Express Cobalt Card | American Express | $15.99/mo outside Quebec; $191.88/year in Quebec | up to $5,000,000 for the first 15 consecutive days of a trip, for cardmembers under age 65 |
| BMO VIPorter World Elite Mastercard | BMO | $199/year | emergency medical insurance up to $5,000,000 per covered person per trip, for up to 21 consecutive days per trip for covered persons age 64 or younger |
| American Express Gold Rewards Card | American Express | $250/year | up to $5,000,000 for the first 15 consecutive days of a trip, for cardmembers under age 65 |
| RBC Avion Visa Infinite Privilege | RBC Royal Bank | $399/year | unlimited emergency medical insurance; the first 31 consecutive days of a trip for travellers under 65, the first 7 consecutive days at 65 or older (top-up available before departure) |
| Scotiabank Platinum American Express Card | Scotiabank | $399/year | up to $2 million CAD for you, your spouse and eligible dependent children; under 65 up to 31 consecutive days, 65 and older up to 10 consecutive days |
| Rogers Red World Legend Mastercard | Rogers Bank | $495/year | Emergency travel medical insurance up to $5,000,000 per insured person per trip (21 days under age 65, 5 days ages 65-75) |
| CIBC Aventura Visa Infinite Privilege Card | CIBC | $499/year | up to $5,000,000 per insured person per trip; 31-day coverage period if age 64 or under, 10-day coverage period if age 65 or over |
| American Express Aeroplan Reserve Card | American Express | $599/year $799/year from January 12, 2027 | up to $5,000,000 for the first 15 consecutive days of a trip, for cardmembers under age 65 |
| CIBC Aeroplan Visa Infinite Privilege Card | CIBC | $599/year $699/year and $159 for each additional card, both from January 12, 2027 | up to $5,000,000 per insured person per trip; 31-day coverage period if age 64 or under, 10-day coverage period if age 65 or over |
| TD Aeroplan Visa Infinite Privilege Card | TD | $599/year | up to $5,000,000 per insured person per trip; first 31 consecutive days of a trip if 64 or under, first 4 consecutive days if 65 or older |
| Scotiabank Passport Visa Infinite Privilege Card | Scotiabank | $599/year | up to $5 million CAD; under 65 up to 31 consecutive days, 65 and older up to 10 consecutive days |
| BMO eclipse Visa Infinite Privilege Card | BMO | $599/year | emergency medical insurance up to $5 million per insured person, per trip, up to 22 consecutive days if aged 64 or under on the departure date (3 days if 65 or over) |
| American Express Platinum Card | American Express | $799/year | up to $5,000,000 for the first 15 consecutive days of a trip, for cardmembers under age 65 |
Welcome offers, first-year fee waivers and fee rebates tied to a bank account, banking package, profession or another card are not included.
For a card that isn’t in this table, the card’s certificate of insurance, from its provider, sets out what travel cover it has.
Trip cancellation, interruption, delay and baggage
This table gives four kinds of cover, trip cancellation, trip interruption, flight delay and baggage, as this site has recorded them from the provider’s documents; a card’s certificate can hold more. Other kinds, such as travel accident and hotel burglary cover, are left out of it.
| Card | Provider | Annual fee | Trip cover the provider lists |
|---|---|---|---|
| Rogers Red World Elite Mastercard | Rogers Bank | $0 | Trip cancellation: Included until November 18, 2026, then removed Trip interruption: Included until November 18, 2026, then removed Flight delay: Rogers Bank's Trip Delay coverage, included until November 18, 2026, then removed |
| Capital One Quicksilver World Elite Mastercard | Capital One Canada | $0 | Flight delay: Flight Delay Insurance Baggage: Lost Baggage Insurance and Baggage Delay Insurance |
| Capital One Quicksilver World Mastercard | Capital One Canada | $0 | Flight delay: Flight Delay Insurance Baggage: Lost Baggage Insurance and Baggage Delay Insurance |
| Capital One Smart Rewards Mastercard | Capital One Canada | $0 | Baggage: Checked baggage delayed more than four hours at the destination: up to $100 a day for up to three days for essential items, when the full ticket cost is charged to the card |
| TD Aeroplan Visa Platinum Card | TD | $89/year | Flight delay: up to $500 per insured person if the flight or trip is delayed for over 4 hours Baggage: delayed or lost baggage: up to $1,000 of overall coverage per insured person toward essentials such as clothes and toiletries if baggage is delayed over 6 hours or lost |
| TD Platinum Travel Visa Card | TD | $89/year | Flight delay: up to $500 if the flight or trip is delayed more than 4 hours Baggage: delayed or lost baggage: up to $1,000 overall coverage per insured person toward essentials such as clothing and toiletries if baggage is delayed more than 6 hours or lost |
| BMO VIPorter World Mastercard | BMO | $89/year | Flight delay: up to $500 per account per trip when the scheduled flight is delayed by more than 4 hours Baggage: lost, stolen or damaged baggage up to $500 per covered person (maximum $1,000 per account per trip); delayed baggage up to $500 per covered person (maximum $1,000 per account per trip) when delayed by the common carrier for more than 6 hours |
| ScotiaGold Passport Visa Card | Scotiabank | $110/year | Baggage: lost luggage benefit limited to the lesser of the value of the covered luggage or the carrier’s cash reimbursement, to a combined maximum of $1,250; delayed luggage benefit limited to $1,000 for all insured persons on the same trip (4-hour delay) for essential items |
| National Bank World Mastercard | National Bank of Canada | $115/year | Trip cancellation: up to $2,500 per person Trip interruption: up to $5,000 per person Flight delay: up to $500 per person (delay over 4 hours) Baggage: baggage delay (over 6 hours) up to $500 per person; baggage theft or loss up to $1,000 per person |
| RBC Avion Visa Infinite | RBC Royal Bank | $120/year | Trip cancellation: up to $1,500 per trip for each covered person, to an overall maximum of $5,000 (a dependent child aged 16-25 travelling alone and each additional cardholder: $1,500) Trip interruption: up to $5,000 per trip for each covered person, to an overall maximum of $25,000 Flight delay: up to $250 per occurrence per covered person, to a maximum of $500 per occurrence for all covered persons; coverage begins four hours after the delay Baggage: delayed or lost checked baggage: emergency purchases up to $500 per occurrence per covered person, overall maximum $2,500 per occurrence for all covered persons |
| RBC Avion Visa Platinum | RBC Royal Bank | $120/year | Trip cancellation: up to $1,000 per trip for each covered person, to an overall maximum of $5,000 Trip interruption: up to $2,500 per trip for each covered person Flight delay: up to $250 per occurrence per covered person, to a maximum of $500 per occurrence for all covered persons Baggage: delayed or lost checked baggage: emergency purchases up to $500 per occurrence per covered person, overall maximum $2,500 per occurrence for all covered persons |
| Scotia Momentum Visa Infinite+ Card | Scotiabank | $120/year | Trip cancellation: up to $1,500 per person in travel expenses, to a maximum of $10,000 per trip Trip interruption: up to $2,000 per person in travel expenses, to a maximum of $10,000 per trip Flight delay: up to $500 per insured person on the same trip Baggage: lost luggage up to $500 per trip and delayed luggage up to $500 per trip for all insured persons on the same trip, if the full fare is charged to the account |
| American Express Aeroplan Card | American Express | $120/year $150/year from January 12, 2027 | Flight delay: up to $500, combined with baggage delay insurance, when the full fare of the airline ticket is charged to the card (delay of four hours or more) Baggage: up to $500 per occurrence for all insured persons combined for lost or stolen baggage in transit on a scheduled airline flight |
| Marriott Bonvoy American Express Card | American Express | $120/year | Flight delay: up to $500, combined with baggage delay insurance, when the full fare of the airline ticket is charged to the card (delay of four hours or more) Baggage: up to $500 per occurrence for all insured persons combined for lost or stolen baggage in transit on a scheduled airline flight |
| Scotiabank Gold American Express Card | Scotiabank | $120/year | Trip cancellation: up to $1,500 per person for travel expenses (maximum of $10,000 per trip) Trip interruption: up to $1,500 per insured person (maximum $10,000 per trip) Flight delay: up to $500 per insured person on the same trip Baggage: delayed or lost checked luggage may be covered up to $1,000 if the full cost of the travel ticket is charged to the card |
| TD Aeroplan Visa Infinite Card | TD | $139/year | Trip cancellation: up to $1,500 per insured person, to a maximum of $5,000 for all insured persons Trip interruption: up to $5,000 per insured person, to a maximum of $25,000 for all insured persons on the same trip Flight delay: up to $500 per insured person if the flight or trip is delayed for over 4 hours Baggage: delayed or lost baggage: up to $1,000 overall coverage per insured person toward essentials such as clothes and toiletries if baggage is delayed more than 6 hours or lost |
| CIBC Aeroplan Visa Infinite Card | CIBC | $139/year $159/year and $80 for each additional card, both from January 12, 2027 | Trip cancellation: up to $1,500 per insured person per trip, to a maximum of $5,000 per trip for all insured persons combined Trip interruption: up to $2,000 per insured person per trip (trip interruption and trip delay) Flight delay: up to $500 per occurrence for all insured persons combined, subject to sub-limits Baggage: delay of checked baggage up to $500 per insured person (maximum $1,000 per occurrence for all insured persons combined); lost or stolen baggage up to $500 per insured person (maximum $1,000 per occurrence for all insured persons combined) |
| CIBC Aventura Gold Visa Card | CIBC | $139/year | Flight delay: up to $500 for all insured persons combined, when a flight is delayed 4 hours or more Baggage: delay of 6 hours or more: up to $500 per insured person (maximum $1,000 for all insured persons combined); loss, damage or theft: up to $500 per insured person (maximum $1,000 for all insured persons combined) |
| WestJet RBC World Elite Mastercard | RBC Royal Bank | $139/year | Trip cancellation: up to $1,500 per trip for each covered person, to an overall maximum of $5,000 Trip interruption: up to $5,000 per trip for each covered person, to an overall maximum of $25,000 Flight delay: up to $250 per occurrence per covered person, to a maximum of $500 per occurrence for all covered persons Baggage: delayed or lost checked baggage: emergency purchases up to $500 per occurrence per covered person, overall maximum $2,500 per occurrence for all covered persons |
| CIBC Aventura Visa Infinite Card | CIBC | $139/year | Trip cancellation: up to $1,500 per insured person per trip, to a maximum of $5,000 for all insured persons combined Trip interruption: up to $2,000 per insured person per trip (trip interruption or trip delay) Flight delay: up to $500 for all insured persons combined, when a flight is delayed 4 hours or more Baggage: delay of 6 hours or more: up to $500 per insured person (maximum $1,000 for all insured persons combined); loss, damage or theft: up to $500 per insured person (maximum $1,000 for all insured persons combined) |
| TD First Class Travel Visa Infinite Card | TD | $139/year | Trip cancellation: up to $1,500 per insured person, to a maximum of $5,000 for all insured persons Trip interruption: up to $5,000 per insured person, to a maximum of $25,000 for all insured persons on the same trip Flight delay: up to $500 per insured person if the flight or trip is delayed for over 4 hours Baggage: delayed or lost baggage: up to $1,000 overall coverage per insured person toward essentials such as clothes and toiletries if baggage is delayed more than 6 hours or lost |
| BMO Ascend World Elite Mastercard | BMO | $150/year | Trip cancellation: up to $1,500 per covered person (maximum $5,000 per account per trip) Trip interruption: up to $2,000 per covered person (maximum $10,000 per account per trip) for trip interruption or delay Flight delay: up to $500 per trip for all insured persons Baggage: lost, stolen or damaged baggage up to $500 per covered person (maximum $1,000 per account per trip); delayed baggage up to $500 per covered person (maximum $1,000 per account per trip) when delayed by the common carrier for more than 6 hours |
| Scotiabank Passport Visa Infinite+ Card | Scotiabank | $150/year | Trip cancellation: up to $1,500 per person, to a maximum of $10,000 per trip, when at least 75% of the trip's costs (including deposits and pre-payments) are charged to the card (or paid with Scene+ points) Trip interruption: up to $2,500 per person, to a maximum of $10,000 per trip, when at least 75% of the trip's costs (including deposits and pre-payments) are charged to the card (or paid with Scene+ points) Flight delay: up to $500 per insured person on the same trip, when at least 75% of the ticket is charged to the card (or paid with Scene+ points) and no alternative transport is offered within 4 hours Baggage: delayed or lost checked luggage covered up to $1,000 if the full cost of the travel ticket is charged to the card |
| American Express Cobalt Card | American Express | $15.99/mo outside Quebec; $191.88/year in Quebec | Flight delay: up to $500, combined with baggage delay insurance, when the full fare of the airline tickets is charged to the card (delay of 4 hours or more) Baggage: up to $500 per occurrence for all insured persons combined for lost or stolen baggage when the full fare of the airline tickets is charged to the card |
| BMO VIPorter World Elite Mastercard | BMO | $199/year | Trip cancellation: up to $1,500 per covered person (maximum $5,000 per account per trip) Trip interruption: up to $2,000 per covered person (maximum $10,000 per account per trip) for trip interruption or delay Flight delay: up to $500 per account per trip when the scheduled flight is delayed by more than 4 hours Baggage: lost, stolen or damaged baggage up to $500 per covered person (maximum $1,000 per account per trip); delayed baggage up to $500 per covered person (maximum $1,000 per account per trip) when delayed by the common carrier for more than 6 hours |
| American Express Gold Rewards Card | American Express | $250/year | Trip cancellation: up to $1,500 per insured person per trip, to a maximum of $3,000 for all insured persons combined Trip interruption: up to $1,500 per insured person per trip, to a maximum of $6,000 for all insured persons combined Flight delay: up to $500, combined with baggage delay insurance, when the full fare of the airline tickets is charged to the card (delay of 4 hours or more) Baggage: up to $500 per occurrence for all insured persons combined for lost or stolen baggage when the full fare of the airline tickets is charged to the card |
| RBC Avion Visa Infinite Privilege | RBC Royal Bank | $399/year | Trip cancellation: up to $2,500 per trip for each covered person (a dependent child aged 16-25 travelling alone and each additional cardholder: $2,500) Trip interruption: up to $5,000 per trip for each covered person Flight delay: up to $500 per day per covered person, to a maximum of $1,000 per occurrence for all covered persons; coverage begins four hours after the delay Baggage: delayed or lost checked baggage: emergency purchases up to $750 per occurrence per covered person, overall maximum $3,000 per occurrence for all covered persons |
| Scotiabank Platinum American Express Card | Scotiabank | $399/year | Trip cancellation: up to $2,500 per person (maximum $10,000 per trip) Trip interruption: up to $5,000 per person (maximum $25,000 per trip) Flight delay: up to $1,000 per insured person on the same trip for a delay of 4 hours or more Baggage: delayed or lost checked luggage covered up to $1,000 for all insured persons on the same trip |
| Rogers Red World Legend Mastercard | Rogers Bank | $495/year | Trip cancellation: Trip cancellation and trip interruption insurance included Flight delay: Flight delay insurance included Baggage: Baggage insurance included |
| CIBC Aventura Visa Infinite Privilege Card | CIBC | $499/year | Trip cancellation: up to $2,500 per insured person per trip, to a maximum of $10,000 for all insured persons combined Trip interruption: up to $5,000 per insured person per trip, to a maximum of $25,000 for all insured persons combined (trip interruption or trip delay) Flight delay: up to $500 per insured person, to a maximum of $1,000 per occurrence for all insured persons combined, when a flight is delayed 4 hours or more Baggage: delay of 6 hours or more: up to $500 per insured person (maximum $1,000 for all insured persons combined); loss, damage or theft: up to $1,000 per insured person (maximum $2,500 for all insured persons combined) |
| American Express Aeroplan Reserve Card | American Express | $599/year $799/year from January 12, 2027 | Trip cancellation: up to $1,500 per insured person per trip, to a maximum of $3,000 for all insured persons combined Trip interruption: up to $1,500 per insured person per trip, to a maximum of $6,000 for all insured persons combined Flight delay: up to $1,000, combined with baggage delay insurance, when the full fare of the airline tickets is charged to the card (delay of 4 hours or more) Baggage: up to $1,000 per occurrence for all insured persons combined for lost or stolen baggage when the full fare of the airline tickets is charged to the card |
| CIBC Aeroplan Visa Infinite Privilege Card | CIBC | $599/year $699/year and $159 for each additional card, both from January 12, 2027 | Trip cancellation: up to $2,500 per insured person per trip, to a maximum of $10,000 for all insured persons combined Trip interruption: up to $5,000 per insured person per trip, to a maximum of $25,000 for all insured persons combined (trip interruption or trip delay) Flight delay: up to $500 per insured person, to a maximum of $1,000 per occurrence for all insured persons combined, when a flight is delayed 4 hours or more Baggage: delay of 6 hours or more: up to $500 per insured person (maximum $1,000 for all insured persons combined); loss, damage or theft: up to $1,000 per insured person (maximum $2,500 for all insured persons combined) |
| TD Aeroplan Visa Infinite Privilege Card | TD | $599/year | Trip cancellation: up to $2,500 per insured person, to a maximum of $5,000 for all insured persons Trip interruption: up to $5,000 per insured person, to a maximum of $25,000 for all insured persons on the same trip Flight delay: up to $1,000 in coverage if the flight or trip is delayed more than 4 hours Baggage: delayed baggage (over 4 hours) up to $1,000 per insured person; lost baggage up to $2,500 per insured person |
| Scotiabank Passport Visa Infinite Privilege Card | Scotiabank | $599/year | Trip cancellation: up to $2,500 per person (maximum $10,000 per trip) Trip interruption: up to $5,000 per person (maximum $25,000 per trip) Flight delay: up to $1,000 per insured person on the same trip for a delay of 4 hours or more Baggage: delayed baggage up to $1,000 per insured person; lost, stolen or damaged baggage up to $2,500 per insured person (combined maximum $5,000 per occurrence for all insured persons), if the full cost of the ticket is charged to the account and/or paid with Scotiabank Scene+ points |
| BMO eclipse Visa Infinite Privilege Card | BMO | $599/year | Flight delay: up to $1,000 per trip for all insured persons |
| American Express Platinum Card | American Express | $799/year | Trip cancellation: up to $2,500 per insured person per trip, to a maximum of $5,000 for all insured persons combined Trip interruption: up to $2,500 per insured person per trip, to a maximum of $6,000 for all insured persons combined Flight delay: up to $1,000, combined with baggage delay insurance, when the full fare of the airline tickets is charged to the card (delay of 4 hours or more) Baggage: up to $1,000 per occurrence for all insured persons combined for lost or stolen baggage when the full fare of the airline tickets is charged to the card |
Welcome offers, first-year fee waivers and fee rebates tied to a bank account, banking package, profession or another card are not included.
The same applies here: a card that isn’t listed has its terms in its own certificate.
The conditions that decide a claim
A certificate sets its own conditions, so a term given below is that card’s, and the card it belongs to is named beside it.
Paying for the trip with the card
How much of a trip must go on the card differs by card and by kind of cover. For the TD Aeroplan Visa Infinite Card, TD’s terms, in summary:
Trip cancellation, trip interruption, flight/trip delay and delayed/lost baggage: at least 75% of the trip cost must be paid with the TD credit card and/or Aeroplan points. Common carrier: the trip must be paid for in full with the card and/or points. Purchase security and extended warranty: at least 75% of the item cost must be paid with the card. Travel medical and trip cancellation/interruption have a pre-existing condition exclusion. All cover is subject to the conditions, limitations and exclusions in the certificates.
For the American Express Gold Rewards Card, Amex ties the cover to what is charged to the card, and for trip cancellation and interruption, to Membership Rewards points as well:
Amex's Certificates of Insurance for this card were amended and restated effective July 1, 2025, and the card page says all cover is subject to the terms of the master policies, with limitations, exclusions and restrictions. Delay and baggage cover starts when the full airline fare is charged to the card; travel accident cover when the plane, train, ship or bus fare is charged to the card; hotel burglary when the accommodation is charged to the card; rental cover when the full rental cost is charged to the card. Medical cover is only available while the person is a resident of Canada, covered by a government health plan and outside their province, and the certificate requires contacting Global Excel before emergency treatment. Trip cancellation and interruption cover applies when any portion of the prepaid travel arrangements is charged to the card (or paid with Membership Rewards points with taxes on the card).
For the Rogers Red World Elite Mastercard, Rogers Bank’s certificate says the medical cover doesn’t need the trip charged to the card, though it has other conditions (the medical line is under age), and on the card’s cover in general Rogers Bank’s terms, in summary:
Underwritten by CUMIS General Insurance Company and administered by Allianz Global Assistance; coverage is subject to conditions, limitations and exclusions, including a pre-existing condition for certain benefits and the requirement to charge the eligible expenses or items to the card. Trip Cancellation, Trip Interruption and Trip Delay coverage is removed on November 18, 2026.
How many days are covered
Medical cover runs for a set number of days from the start of the trip, and the medical table gives the days where the provider’s line states them. Amex’s certificate for the American Express Gold Rewards Card counts the departure date in those days, as its first line under what it covers says.
For a trip longer than the covered days, these providers state a way to extend or top up the cover:
- RBC Avion Visa Infinite and WestJet RBC World Elite Mastercard: RBC's certificate says top-up coverage is available if you are travelling for more than fifteen days and are under 65, or for more than three days and are 65 or older.
- TD Aeroplan Visa Infinite Card, TD Cash Back Visa Infinite Card, TD First Class Travel Visa Infinite Card and TD Aeroplan Visa Infinite Privilege Card: TD's certificate says you can apply to top up the coverage period by contacting the administrator, and that coverage may be available under a different TD Life group policy with different terms and conditions.
- BMO Ascend World Elite Mastercard: BMO's card page says that with BMO Travel Insurance you can top up your coverage for longer trips.
- Scotiabank Passport Visa Infinite+ Card: Scotiabank's certificate offers Travel Extension Coverage, bought by calling the insurer from within Canada before leaving the province or territory of residence; a separate certificate of insurance is issued for it.
- American Express Cobalt Card, American Express Gold Rewards Card, American Express Aeroplan Reserve Card and American Express Platinum Card: Amex's certificate defines a top up as coverage bought through the Enrollment Centre to extend travel insurance coverage that is in effect for a portion of the trip.
- RBC Avion Visa Infinite Privilege: RBC's certificate says top-up coverage is available if you are travelling for more than thirty-one days and are under 65, or for more than seven days and are 65 or older.
Age on the departure date
The medical table shows where a provider covers travellers 65 or older for fewer days, and where its cover is for travellers 64 or under. On the TD Aeroplan Visa Infinite Card, the card page and the certificate word the age limit differently:
Up to $2,000,000 per insured person per trip. Coverage lasts the first 21 consecutive days of a trip for insured persons 64 and under and the first 4 consecutive days for insured persons 65 or older, with age measured on the departure date and the departure day counting as a full day. The card page words the older-age limit as "you or your spouse is aged 65 or older". Insured: the primary cardholder, the primary cardholder's spouse, dependent children and additional cardholders who meet the certificate's eligibility conditions (the primary cardholder must be a resident of Canada covered under a government health insurance plan or a valid health care plan in Canada for members of the Canadian Armed Forces).
The Rogers Red World Elite Mastercard has an upper age limit on its medical cover:
Emergency medical cover up to $1 million, only if age 75 or under: for the first 10 days of a trip if age 64 and under, or the first 3 days of a trip if age 65 up to and including 75. A pre-existing condition exclusion applies to emergency medical and trip cancellation, interruption and delay for travellers of any age. You do not need to charge the trip to the card for the medical cover, but the certificate requires a Canadian resident listed on the account, covered by a government health insurance plan for the trip, travelling outside their province or territory of residence, with the account in good standing.
Rogers Bank says that effective November 18, 2026, important changes will be made to the insurance benefits included with the card, and that other changes will also apply, including newly defined terms and updates to some existing terms.
Separate cover for long winter trips is compared on travel insurance for snowbirds.
Pre-existing medical conditions
A condition that wasn’t stable for a period before the trip can be left out of the medical cover, and the period and the test for “stable” are the certificate’s. For the TD Aeroplan Visa Infinite Card, TD’s certificate sets these terms:
For travel medical, the certificate defines the pre-existing medical condition period as 90 days (insured persons 64 and under) or 180 days (65 or older) immediately before the coverage period begins, and it counts a medical condition as stable when seven listed statements about treatment, drugs, symptoms, hospital stays or specialist referrals, tests and planned treatment are all true, with two stated exceptions: a routine adjustment of Coumadin, warfarin or insulin, and a change from a brand name medication to a generic of the same dosage.
For the Scotiabank Passport Visa Infinite+ Card, on pre-existing conditions:
Scotiabank's certificate says the insurance may not cover claims related to pre-existing conditions, whether disclosed or not, and that the administrator must be contacted before seeking emergency medical treatment or benefits may be limited or denied.
The two CIBC Aeroplan cards’ periods are in their lines under who counts as family.
Who counts as family
Who the medical cover insures is set by the certificate: on some, a spouse and dependent children are insured whether or not they travel with the cardholder, and additional cardholders are insured on some cards and not others. The certificates also set conditions such as Canadian residence and a government health insurance plan, which some of the lines below leave out. What these providers state:
- Rogers Red World Elite Mastercard: Rogers Bank's certificate says the age restriction on emergency medical cover applies to the primary cardholder, the primary cardholder's spouse, the primary cardholder's dependent children and the authorized user.
- RBC Avion Visa Infinite, WestJet RBC World Elite Mastercard and RBC Avion Visa Infinite Privilege: RBC's certificate says a covered person is the applicant, the applicant's spouse, the applicant's dependent child who travels with or joins the applicant or the applicant's spouse on the same trip, or an additional cardholder, each with a valid government health insurance plan; an additional cardholder is covered in their own right, and all covered persons must be permanent residents of Canada.
- Scotia Momentum Visa Infinite+ Card and Scotiabank Gold American Express Card: Scotiabank's card page says the emergency medical coverage is for you, your spouse and your eligible dependent children.
- TD Aeroplan Visa Infinite Card, TD Cash Back Visa Infinite Card, TD First Class Travel Visa Infinite Card and TD Aeroplan Visa Infinite Privilege Card: TD's certificate insures the primary cardholder, and the cardholder's spouse and dependent child, who are residents of Canada and covered by a government health insurance plan (or a Canadian Armed Forces plan); the cardholder's account must be in good standing, and the spouse and dependent child are insured whether or not the cardholder is travelling. An additional cardholder is also insured if they are a resident of Canada covered by such a plan.
- American Express Cobalt Card, American Express Gold Rewards Card, American Express Aeroplan Reserve Card and American Express Platinum Card: Amex's certificate says the insured persons are the Cardmember, the Cardmember's spouse or the Cardmember's dependent child who are age 64 or under on the departure date and have a valid government health insurance plan, whether travelling together or not.
- Scotiabank Passport Visa Infinite Privilege Card: Scotiabank's card page says the emergency medical coverage is for you, your spouse and your eligible dependent children when you travel outside your province or territory.
The two CIBC Aeroplan cards differ on additional cardholders:
- CIBC Aeroplan Visa Infinite Card: Up to $5,000,000 per insured person per trip, outside the home province. The coverage period is 15 days if the insured person is 64 or under (age measured on the departure date) and 3 days if 65 or over. Expenses for health problems that were not stable in the 90 days before leaving (64 or under) or 180 days before leaving (65 or over) are not covered. Insured: the cardholder (the primary cardholder; an authorized user is covered only if also the primary cardholder's spouse or dependent child), the cardholder's spouse and dependent children, whether they travel with the cardholder or not; coverage is only available while the person is a resident of Canada, covered by a government health insurance plan and travelling outside their province.
- CIBC Aeroplan Visa Infinite Privilege Card: Up to $5,000,000 per insured person per trip, outside the home province. The coverage period is 31 days if the insured person is 64 or under (age measured on the departure date) and 10 days if 65 or over. Expenses for health problems that were not stable in the 90 days before leaving (64 or under) or 180 days before leaving (65 or over) are not covered. Insured: the primary cardholder, the primary cardholder's spouse and dependent children, whether they travel with the primary cardholder or not, and an authorized user; coverage is only available while the person is a resident of Canada, covered by a government health insurance plan and travelling outside their province.
On RBC’s certificate for the RBC Avion Visa Infinite, the age under which a legal guardian must complete the claim process for a covered person differs for Quebec residents; the line is under reading your certificate.
What do the Amex Aeroplan cards’ certificates cover?
The American Express Aeroplan Card has its own certificate. The certificate booklet's table of contents lists: Flight and Baggage Delay & Hotel Burglary Insurance; Lost or Stolen Baggage Insurance; Travel Accident Insurance; Car Rental Theft and Damage Insurance; Buyer’s Assurance Protection Plan; Purchase Protection Plan.
The American Express Aeroplan Reserve Card has its own certificate too. The certificate booklet's table of contents lists: Out of Province/Country Emergency Medical Insurance; Trip Cancellation & Trip Interruption Insurance; Flight and Baggage Delay & Hotel Burglary Insurance; Lost or Stolen Baggage Insurance; Travel Accident Insurance; Car Rental Theft and Damage Insurance; Buyer’s Assurance Protection Plan; Purchase Protection Plan. Its medical cover is up to $5,000,000 for the first 15 consecutive days of a trip, for cardmembers under age 65.
For a trip paid with points, the two certificates name the card’s own reward program:
Per the certificates: flight and baggage delay cover does not pay for alternate travel arrangements the insured person makes such as a taxi, limo, intercity bus or an airline ticket (other than local taxi and ridesharing). There is no delay, trip or rental cover if the airline tickets, accommodations or prepaid arrangements were bought with points from a reward program other than the card reward program. Baggage cover excludes contact lenses, eyeglasses, sunglasses, artificial teeth and limbs, cameras and other electronics, among other items.
The Reserve’s other benefits are in its entry on best Aeroplan credit cards.
Reading your certificate
The card names in the tables link to the card’s page at its provider, or to the provider’s list of cards. In a certificate, the terms this page covers are who is insured, the maximum per person and per trip, the days and ages, what has to be charged to the card, the exclusions and the claim deadlines. RBC’s certificate for the RBC Avion Visa Infinite sets claim deadlines:
Pre-existing medical condition exclusions apply (stability periods of 90 days before departure if under age 75, or 180 days if age 75 or older). Covered persons include additional cardholders. Medical and trip claims: notice within 30 days and information within 90 days of the date the claim arises.
For Quebec residents, these providers state the following:
- RBC Avion Visa Infinite and RBC Avion Visa Infinite Privilege: For actions or proceedings governed by the laws of Quebec, the prescriptive period is set out in the Quebec Civil Code; a legal guardian must complete the claim process for a covered person under 18 who lives in Quebec (under 16 elsewhere in Canada).
- CIBC Aeroplan Visa Infinite Card, CIBC Aventura Gold Visa Card, CIBC Aventura Visa Infinite Card, CIBC Aventura Visa Infinite Privilege Card and CIBC Aeroplan Visa Infinite Privilege Card: CIBC's certificates for flight delay and baggage, purchase security and extended protection, mobile device and hotel burglary insurance each say that "Except in Quebec where the provisions set out under section 2496 of the Civil Code of Quebec shall apply" the insurance is strictly excess coverage; CIBC also publishes a separate Quebec product summary and fact sheet for the card.
- American Express Cobalt Card, American Express Gold Rewards Card and American Express Platinum Card: The card page says Quebec residents should read the Insurance Summary and Fact Sheet (a separate Amex document from the Certificates of Insurance).
Card cover or separate travel insurance?
A certificate’s own terms can leave part of a trip without cover. The cases to compare against a card’s terms:
- a trip longer than the card’s covered days (how many days)
- an age past the card’s limit (age)
- a medical condition that wasn’t stable for the certificate’s period (pre-existing conditions)
- prepaid trip costs above the cancellation maximum in the trip cover table
On the CIBC Aeroplan Visa Infinite Card, CIBC also reduces benefits by any amount another insurer pays back:
Certain fees or expenses must be charged to the credit card account, in full or at least in part, to be covered. Travel insurance is provided by Belair Insurance Company Inc.; the insurance becomes available when the card is activated and ends when the account is closed or no longer in good standing. Benefits payable are reduced by any amount reimbursed by another entity or insurer.
Whether a separate policy is worth buying is on is travel insurance worth it, and plans sold on their own are on standalone travel insurance.
Purchase protection, extended warranty and mobile device cover
Purchase protection insures new items bought with the card against theft or damage for a set number of days after purchase, and an extended warranty adds time to the manufacturer’s warranty. The days and caps differ between cards from one provider:
- TD Aeroplan Visa Infinite Card: Purchase Security: eligible new items bought with the card are covered if stolen or damaged within 90 days of purchase; extended warranty, if the item comes with a manufacturer warranty valid in Canada, may double the warranty period for up to 12 additional months; mobile devices, up to $1,000 for loss, theft, accidental damage or mechanical breakdown of eligible mobile devices
- TD Aeroplan Visa Infinite Privilege Card: Purchase Security: eligible new items bought with the card are covered if stolen or damaged within 120 days of purchase; extended warranty, if the item comes with a manufacturer warranty valid in Canada, may double the warranty period for up to 24 additional months; mobile devices, up to $1,500 for loss, theft, accidental damage or mechanical breakdown of eligible mobile devices
- American Express Gold Rewards Card: purchase protection, 90 days from the date of purchase, up to $1,000 per occurrence
- American Express Platinum Card: purchase protection, 120 days from the date of purchase, up to $1,000 per occurrence
What no-fee cards include is in the no-fee perks table. Disputing a charge for goods that didn’t arrive is explained on how to dispute a credit card charge.
Related pages
- Credit card rental car insurance
- Credit cards with airport lounge access
- Travel credit cards
- Best Aeroplan credit cards
- No foreign transaction fee credit cards
- Premium cards
- Card reviews for some of the cards above: TD Aeroplan Visa Infinite, RBC Avion Visa Infinite, Rogers Red World Elite Mastercard and the Platinum Card from American Express; Amex’s points program is on Amex Membership Rewards
- Is travel insurance worth it and standalone travel insurance
Sources
The figures and rules on this page come from these sources, last checked against them on October 26, 2026. How we check facts.
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