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

Your card comes with a travel insurance package: up to $5 million for emergency medical care outside your province or territory, trip cancellation up to $1,500 per person, trip interruption or delay up to $2,000 per person, up to $500 for flight delays, up to $500 for essentials when your bag is delayed, up to $500 for lost, stolen or damaged checked baggage, hotel burglary cover up to $2,500, $500,000 common carrier accident insurance, and rental car collision and loss damage insurance.

Conditions: Emergency medical covers the primary cardholder, spouse and dependent children for the first 15 days of a trip if aged 64 or under, or the first 3 days if 65 or over. You don't need to charge the trip to the card, but you must call Global Excel before treatment. Trip cancellation tops out at $5,000 per trip for everyone combined and needs the trip charged to the card. Flight delay pays after 4 hours and baggage delay after 6 hours. Flight delay, baggage and common carrier cover need at least 75% of the fare charged to the card. Hotel burglary needs part of the stay charged to the card. Rental car cover needs the full rental charged to the card and the rental company's collision or loss damage waiver declined, for rentals up to 48 days on vehicles with an MSRP up to $85,000. Medical conditions that were not stable before the trip may not be covered. Underwritten by Belair Insurance Company Inc. Some cover is excess insurance, and the certificate of insurance has the full terms.