Travel insurance included, with up to $5M emergency medical

Your card includes a travel insurance package. Out-of-province emergency medical care is covered up to $5,000,000 per person per trip. Trip cancellation is covered up to $2,500 and trip interruption up to $5,000 per person. Delayed departure flights over 4 hours are covered up to $500. Baggage is covered up to $1,000 per person, of which up to $500 is for delays over 6 hours. You also get rental car damage and theft cover, plus medical, general and legal assistance during your trip.

Conditions: Emergency medical covers trips of up to 60 days if you are 54 or under, 31 days at 55 to 64 and 15 days at 65 to 75. Trips at 76 or older are not covered, and a trip longer than your limit is not covered at all. The trip does not need to be charged to the card for medical cover. Other cover needs the costs charged at least in part to the card, and baggage cover needs all transportation costs charged to the card. Lost, damaged or stolen items are capped at $250 each. Rental car cover applies to rentals of 48 days or less, paid entirely with the card or its points, on vehicles with an MSRP up to $65,000. Trucks, RVs, motorcycles and some vans are excluded, and it does not include liability cover. The policy covers the primary cardholder plus a spouse and dependent children travelling with them, and you must be a resident of Canada. Exclusions apply, including for pre-existing conditions; see the insurance certificate.