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Is my spouse, child or additional cardholder eligible for complimentary travel insurance?
Make sure your whole family travels safely with your credit cards complimentary travel insurance.
Premium credit cards often provide international travel insurance as a complimentary extra.
While it’s not exactly free if there’s a hefty annual fee or high interest charges involved, it can certainly be convenient when it comes to organizing your travels. Many premium insurance policies also extend coverage to your spouse, partner and children when they travel with you. The key is to make sure you know who and what is covered by the insurance policy and ensure that you all meet the requirements for coverage, just as you would with a separate insurance policy.
While credit card complimentary insurance policies vary between providers, they are typically underwritten by the same major insurance companies. In some cases, specific cards may offer different levels of coverage or excess costs. Make sure you read the complimentary credit card insurance coverage terms and conditions or contact your provider to find out exactly what coverage is provided by your credit card before you go on your trip.
All American Express credit cards offer some type of travel insurance coverage. It is important to note that you can upgrade or add on to your existing insurance package. Contact American Express to discuss your insurance coverage and request any add-ons. With so many credit card products on offer, we’ve split it into two tables.
|Insurance coverage||American Express AIR MILES Credit Card||American Express AIR MILES Platinum Credit Card||American Express AIR MILES Reserve Credit Card||Blue Sky Credit Card|
|Travel Emergency Medical||Up to $5,000,000 per insured person under the age of 65|
|Trip Cancellation/Trip Interruption|
|Lost or Stolen Baggage||$500|
|Car Rental Theft and Damage||$85,000||$85,000|
|Insurance coverage||American Express Essential Credit Card||The American Express Card||SimplyCash Preferred Card||SimplyCash Card||The Platinum Card||American Express Gold Rewards Card||American Express Cobalt Card|
|Travel Emergency Medical||Up to $5,000,000 per insured person under the age of 65||Up to $5,000,000 per insured person under the age of 65||Up to $5,000,000 per insured person under the age of 65||Up to $5,000,000 per insured person under the age of 65|
|Trip Cancellation/Trip Interruption||$500||$2,500 per insured person||No/$1,500 per insured person|
|Lost or Stolen Baggage||$500||$1,000||$500||$500|
|Car Rental Theft and Damage||$85,000||$85,000||$85,000||$85,000||$85,000|
|Insurance coverage||Multi-Trip Travel Medical Plan||Multi-Trip Premium Travel Plan||Single Trip Travel Medical Plan||Single Trip Premium Travel Plan||Single Trip – Trip Protection Plan|
|Premium||From $55||From $102||Tailored to your needs||Tailored to your needs||Tailored to your needs|
|Trip Interruption and Delay|
|Baggage and Personal Effects|
|24/7 Trip Assistance|
|Unlimited Number of Trips per year|
If you charged your trip to your CIBC credit card, your travel credit card insurance may partially reimburse you for:
- Lost luggage
- Eligible expenses arising from delayed flights
- An interruption of your trip while travelling
- The reasonable living expenses you incur in the event your flight is delayed more than four hours. These expenses may include a car rental, hotel stay and meals you purchased during the period of delay.
Auto Rental Collision/Loss Damage Insurance
When arranging a car rental agreement, you may be asked to purchase the rental company’s insurance, Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW).
- If you pay for the car rental with a credit card with Auto Rental Collision/Loss Damage Insurance (CLDI) AND decline the rental agency’s insurance, CDW or LDW, the CLDI insurance with your credit card may provide coverage from loss or damage to the rental vehicle up to the actual cash value (ACV) of the rental vehicle as defined in your insurance certificate.
- Note that some car rental companies may assess their damages at an amount greater than the cash value of the rental vehicle and you may be liable to the car rental company for the difference.
Depending on the credit card you have, you can expect the following types of insurance coverage:
|Insurance coverage||World/World Elite Card||Platinum Card||Gold Card||Preferred Card|
|Common Carrier Accidental Death and Dismemberment benefits||$1,000,000||$1,000,000||$500,000||$150,000|
|Unexpected Return Home||$2,000||$2,000||$2,000|
|Rental Vehicle Collision Damage Waiver Benefits|
|Rental Vehicle Accidental Death and Dismemberment benefits||$200,000||$200,000||$200,000|
|Personal Effects Benefit||$1,000 per insured/$2,000 per account||$1,000 per insured/$2,000 per account||$1,000 per insured/$2,000 per account||$1,000 per insured/$2,000 per account|
|Lost Document and Ticket Replacement|
|Lost Luggage Assistance|
PC travel insurance can be purchased online or by telephone. Insurance coverage can be tailored to suit your specific needs, depending on the type of coverage you’re looking for, the trip duration and other important factors. Choices of insurance packages include:
- Emergency Medical
- Comprehensive Coverage
- Trip Cancellation
- Baggage Coverage
- Emergency Dental Coverage
- Seniors Coverages
- PC Financial Travel Insurance To Go (offered at select stores, offers $1,000,000 in Emergency Medical Coverage) For travellers under the age 60, PC Financial Travel Insurance To Go offers both Single and Family packages. The trip duration must be for 4, 8 or 15 days. For those over the age of 60 up to age74, PC Financial Travel Insurance To Go offers a Single package for an 8 day trip duration only.
|Insurance Coverage||Elite Cards||Avion Cards||Signature Rewards||Preferred Rewards||Gold Visa Cards||Airline Specific Cards|
|Emergency Medical||Some cards||Not listed||Not listed|
|Trip Protection||Some cards||Not listed||Not listed|
|Trip Cancellation/Interruption||Some cards||Not listed||Some cards|
|Rental Car Insurance|
|Hotel Protection||Some cards||Some cards||Some cards||Some cards|
|Accident Insurance||Some cards||Some cards||Some cards||Some cards|
You have the option to purchase additional coverage for your RBC credit card. Choose between Basic Coverage and Enhanced Coverage.
Not all Scotiabank credit cards offer complimentary insurance, however the cards that do tend to offer varying types of coverage.
|Insurance coverage||Scotiabank Passport Visa Infinite Card||Scotia Momentum Visa Infinite Card||Gold American Express Card||American Express Travel Credit Card||Scotiabank Platinum American Express Card||ScotiaGold Passport Visa Travel Card||Scotiabank GM Visa Infinite Card|
|Travel Emergency Medical||$1,000,000|
|Trip Cancellation/Trip Interruption|
|Flight Delay||$500 per person|
|Delayed and Lost Baggage|
|Rental Car Collision Loss/Damage|
|Hotel/Motel Burglary Insurance|
The Tangerine Cash Back Credit Card does not mention offering travel insurance. Coverage appears to be limited to:
- Purchase Assurance. Up to a maximum of $60,000 to cover loss, theft or damage on most new and insured items for 90 days from the date of purchase.
- Extended Warranty. Can double the period of repair services up to a maximum of one year.
Depending on the credit card, insurance coverage varies greatly. Not all TD credit cards offer travel insurance.
|Insurance coverage||TD Cash Back Visa Infinite Card||TD Aeroplan Visa Infinite Card||TD Aeroplan Visa Platinum Card||TD Aeroplan Visa Infinite Privilege Card||TD First Class Travel Visa Infinite Card||TD Platinum Travel Visa Card||TD U.S. Dollar Visa Card|
|Travel Medical Insurance||$2,000,000||$1,000,000||$5,000,000||$1,000,000|
|Common Carrier Travel Accident Insurance||$500,000||$500,000||$500,000||$500,000||$500,000||$500,000|
|Delayed and Lost Baggage Insurance||$1,000 per insured person||$1,000 per insured person||$1,000 per insured person||$1,000 per insured person for delayed baggage, $2,500 per person for lost baggage||$1,000 per insured person||$1,000 per insured person||$1,000 per insured person|
|Flight/Trip Delay Insurance||$500||$500||$1,000||$500|
|Trip Cancellation/Trip Interruption Insurance||$1,500 per insured person/$5,000 per insured person||$2,500 per insured person/$5,000 per insured person||$1,500 per insured person/$5,000 per insured person||$5,000 per insured person for trip interruption|
|Auto Rental Collision/Loss Damage Insurance|
There are many different types of complimentary insurances offered by credit cards. While not all cards will offer all types of insurance coverage, many typically offer one or more types.
- Travel medical. Travel medical insurance provides coverage for medical emergencies and evacuations. With free healthcare in Canada, this type of coverage is necessary once you leave the nation. It can also be helpful if you’re leaving your province since provincial coverage differs across the country.
- Trip cancellation. Should your trip be cancelled for an emergency reason, you will be reimbursed for any unused and pre-paid trip expenses. Common valid trip cancellation reasons include unforeseen illnesses, injuries or death of the traveller, their travel companion or a family member.
- Trip interruption. This type of insurance covers you in case you have to prematurely end your trip and return home for an emergency reason. You can only claim any unused pre-paid trip expenses.
- Flight delay. Depending on the card you have, you can usually claim expenses for a flight delayed for more than four to six+ hours. Expenses may include meals, accommodation, personal items and sometimes even entertainment.
- Lost/Stolen/Delayed luggage. Claim essential items if you’re luggage is delayed, while you can claim your lost or stolen items in full if your coverage allows it.
- Car rental. This type of insurance provides you with coverage should your rental car become damaged or stolen. There are usually quite a few restrictions on this type of coverage, which typically relate to the age and type of the car, as well as its current value.
- Hotel/Motel burglary. Insurance coverage for hotel/motel burglary will reimburse you for your lost or stolen items up to a certain dollar amount.
- Travel accident. Similar to a life insurance policy, travel accident insurance will vary slightly between insurers. In addition to covering death, it also usually covers dismemberment (loss of limbs) in the case of a travel accident.
Here are some factors to consider before choosing a credit card with complimentary travel insurance:
- Length of coverage. Complimentary travel insurance usually lasts for 10 to 60 days of continuous travel, while other policies (usually offered by premium cards) may offer coverage for longer. This could make a big difference depending on your travel plans.
- Activation requirements. Most credit cards have requirements necessary to activate the full travel insurance policy, such as purchasing pre-booked return travel tickets on your credit card.
- Age limits. Most insurance policies only cover people up to a certain age, which is usually 65. There are also age specifications for dependent children. Confirm your eligibility for a policy before choosing the right credit card.
- Excess costs. You usually need to pay an excess when making a claim, the amount of which can be found in your credit card insurance product disclosure statement.
- Credit card costs. Credit cards offering this type of complimentary insurance usually come with high annual fees and interest rates, so you should weigh up the pros and cons of the credit card before applying.
While definitions of “spouse” and “dependent children” will likely vary between insurance policies, here are a couple of popular examples:
- “Spouse”. This means a person you’re legally married to or cohabiting with and has been publicly represented as your spouse for at least 12 consecutive months.
- “Dependent child/children”. This means children, including adopted children and those children placed up for adoption, who are primarily dependent upon you for maintenance and support. Dependent children will need to be: 1) under the age of 19 and residing with you; 2) over the age of 19 and permanently mentally or physically challenged and incapable of self-support; or 3) under the age of 25 and classified as full-time students at a post-secondary institution.
Please note that eligibility requirements and restrictions will vary between different credit cards and the specific insurance policies. Some credit cards require you to activate the policy before going on the trip, while others may not. Your spouse and/or dependent children may not be automatically eligible for the coverage, or they may only be covered for a certain period of time, so it’s important to check before. Make sure you read your Product Disclosure Statement and contact the insurer or credit card provider before going on the trip to answer any questions or concerns you may have.
Typically, both you and your spouse and/or children will need to meet the following requirements to be eligible for insurance coverage:
- Be a Canadian citizen or a permanent resident. Temporary residents may also be covered depending on the policy.
- Meet any age requirements. This will likely be 65 and under. You may need to get extended coverage or separate coverage if you’re over the age of 65.
- Have a return ticket to Canada booked using your credit card.
- You may need to have used your credit card account before going on the trip and meet a certain spend requirement.
Complimentary travel insurance can be a convenient bonus when it comes to taking your family on vacation, but be sure to read your Product Disclosure Statement for specific information pertaining to your insurance policy and the provisions it covers. For the exact length of coverage, eligibility requirements, restrictions, claim excesses and claim benefits, please check with your credit card insurer or your credit card provider before boarding the plane.
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