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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.

Updated

Fact checked

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.

Compare travel insurance coverage by provider

American Express

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 coverageAmerican Express AIR MILES Credit CardAmerican Express AIR MILES Platinum Credit CardAmerican Express AIR MILES Reserve Credit CardBlue Sky Credit Card
Travel Emergency MedicalNoNoUp to $5,000,000 per insured person under the age of 65No
Travel Accident$100,000$100,000$100,000$100,000
Trip Cancellation/Trip InterruptionNoNoNoNo
Flight DelayNoNo$500No
Baggage DelayNoNo$500No
Lost or Stolen BaggageNoNo$500No
Hotel/Motel BurglaryNoNo$500No
Car Rental Theft and DamageNo$85,000$85,000No
Insurance coverageAmerican Express Essential Credit CardThe American Express CardSimplyCash Preferred CardSimplyCash CardThe Platinum CardAmerican Express Gold Rewards CardAmerican Express Cobalt Card
Travel Emergency MedicalNoNoUp to $5,000,000 per insured person under the age of 65NoUp to $5,000,000 per insured person under the age of 65Up to $5,000,000 per insured person under the age of 65Up to $5,000,000 per insured person under the age of 65
Travel Accident$100,000$250,000$100,000$100,000$500,000$500,000$250,000
Trip Cancellation/Trip InterruptionNoNo$500No$2,500 per insured personNo/$1,500 per insured personNo
Flight DelayNoNo$500No$1,000$500$500
Baggage DelayNoNo$500No$1,000$500$500
Lost or Stolen BaggageNoNo$500No$1,000$500$500
Hotel/Motel BurglaryNoNo$500No$1,000$500$500
Car Rental Theft and DamageNoNo$85,000$85,000$85,000$85,000$85,000

Definitions

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BMO

You can add insurance on to any BMO Mastercard product by calling BMO or applying online.
Insurance coverageMulti-Trip Travel Medical PlanMulti-Trip Premium Travel PlanSingle Trip Travel Medical PlanSingle Trip Premium Travel PlanSingle Trip – Trip Protection Plan
PremiumFrom $55From $102Tailored to your needsTailored to your needsTailored to your needs
Medical EmergencyYesYesYesYesNo
Trip CancellationNoYesNoYesYes
Trip Interruption and DelayNoYesNoYesYes
Flight DelayNoYesNoYesYes
Baggage and Personal EffectsNoYesNoYesYes
24/7 Trip AssistanceYesYesYesYesYes
Unlimited Number of Trips per yearYesYesNoNoNo

Definitions:

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CIBC

Not all CIBC credit cards may offer the following coverage, however you may have the option to add on insurance to your chosen credit card.
Travel Insurance

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.
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MBNA

Depending on the credit card you have, you can expect the following types of insurance coverage:

Insurance coverageWorld/World Elite CardPlatinum CardGold CardPreferred 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 BenefitsYesYesYesYes
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 ReplacementYesYesYesYes
Lost Luggage AssistanceYesYesYesYes
Pre-trip InformationYesYesYesYes
Legal AssistanceYesYesYesYes
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PC Financial

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.

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RBC

Insurance CoverageElite CardsAvion CardsSignature RewardsPreferred RewardsGold Visa CardsAirline Specific Cards
Emergency MedicalSome cardsYesNot listedYesNot listedYes
Trip ProtectionSome cardsYesNot listedYesNot listedYes
Trip Cancellation/InterruptionSome cardsYesNot listedYesYesSome cards
Rental Car InsuranceYesYesYesYesYesYes
Hotel ProtectionSome cardsYesSome cardsYesSome cardsSome cards
Accident InsuranceSome cardsSome cardsSome cardsYesYesSome cards

You have the option to purchase additional coverage for your RBC credit card. Choose between Basic Coverage and Enhanced Coverage.

Definitions

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Scotiabank

Not all Scotiabank credit cards offer complimentary insurance, however the cards that do tend to offer varying types of coverage.

Insurance coverageScotiabank Passport Visa Infinite CardScotia Momentum Visa Infinite CardGold American Express CardAmerican Express Travel Credit CardScotiabank Platinum American Express CardScotiaGold Passport Visa Travel CardScotiabank GM Visa Infinite Card
Travel Emergency MedicalYesYesYesYesYesYes$1,000,000
Travel AccidentYesYesYesYesYesYes$500,000
Trip Cancellation/Trip InterruptionYesYesYesYesYesYesYes
Flight DelayYesYesYesNoYesNo$500 per person
Delayed and Lost BaggageYesYesYesNoYesYesYes
Rental Car Collision Loss/DamageYesYesYesYesYesYesYes
Hotel/Motel Burglary InsuranceYesNoYesNoYesYesNo
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Tangerine

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.

TD

Depending on the credit card, insurance coverage varies greatly. Not all TD credit cards offer travel insurance.

Insurance coverageTD Cash Back Visa Infinite CardTD Aeroplan Visa Infinite CardTD Aeroplan Visa Platinum CardTD Aeroplan Visa Infinite Privilege CardTD First Class Travel Visa Infinite CardTD Platinum Travel Visa CardTD U.S. Dollar Visa Card
Travel Medical Insurance$2,000,000$1,000,000No$5,000,000$1,000,000NoNo
Common Carrier Travel Accident InsuranceNo$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 InsuranceNo$500$500$1,000No$500No
Trip Cancellation/Trip Interruption InsuranceNo$1,500 per insured person/$5,000 per insured personNo$2,500 per insured person/$5,000 per insured person$1,500 per insured person/$5,000 per insured personNo$5,000 per insured person for trip interruption
Auto Rental Collision/Loss Damage InsuranceYesYesYesYesYesYesYes

Definitions

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Types of 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.

    Factors to consider

    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.

    Key definitions

    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.

    Eligibility requirements

    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.
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    Bottom line

    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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