Complimentary travel insurance with $5M emergency medical

Your card includes a travel insurance package. Emergency medical cover outside your province or Canada pays up to $5 million per person for the first 8 days of each trip. It also includes collision and loss damage cover on rental cars and up to $500,000 in common carrier accident cover. Flight delays of more than 4 hours are covered up to $500 per trip. Lost, stolen or damaged bags are covered up to $500 per person, and delayed bags up to $500 per person for essentials, each up to $1,000 per trip. A hotel burglary is covered up to $1,000.

Conditions: Emergency medical cover is for Canadian residents aged 64 or under on the departure date who are covered by a provincial health plan. The trip does not have to be charged to the card, but the account must be in good standing. Longer trips can be extended for a fee charged to the card. Rental car cover needs the full rental charged to the card. You must decline the agency's collision damage waiver, the rental can last up to 48 consecutive days, and the car's MSRP can be up to $65,000. Common carrier, flight delay and baggage cover need the full ticket cost paid with the card. Hotel burglary cover needs the accommodation paid with the card. There is no trip cancellation or trip interruption cover. Insurance is underwritten by CUMIS General Insurance Company and administered by Allianz Global Assistance. Limits and exclusions, including pre-existing conditions, are in the Certificate of Insurance.