American Express® Aeroplan®* Business Reserve Card

American Express® Aeroplan®* Business Reserve Card

Annual Fee: $599

Issuer: American Express

Policy Version: July 2025

Last Updated: 2026-02-08

Policy Information

Claims Contact

website: https://info.submitclaims.client.insure
phone domestic: 1-800-243-0198
phone international: +905-475-4822

Global Limits

who is covered: Cardmember, Spouse, Dependent Children
trip duration limit: 15 days

Coverage Summary

Coverage Area	Covered?	Limit	Conditions	Exclusions
emergency medical Start Claim	✅ Yes	$5,000,000	Coverage available only to Canadian residents covered by a government health insurance plan Coverage is for the first 15 consecutive days of a trip Must contact Global Excel before seeking emergency treatment Coverage ends if absent from province for more than 15 days	Medical conditions that were not stable in the 90 days before departure Trips undertaken to seek medical advice or treatment Participation in professional sports, motorized racing, or high-risk activities like scuba diving without certification Travel to a region with a government 'Avoid non-essential travel' advisory related to the medical condition
travel accident Start Claim	✅ Yes	$500,000	Accident must occur while riding as a passenger in, boarding, or alighting from a Common Carrier Fare for the trip must be charged to the Card Loss must occur within 100 days of the accident Only one benefit amount paid per accident (the greatest loss)	Suicide or self-inflicted injury War or acts of war Commission of a criminal offense Operating or serving as crew of any conveyance
trip cancellation Start Claim	✅ Yes	$1,500	Coverage activates when any portion of prepaid travel arrangements is charged to the Card Must be a Canadian resident traveling outside their province Must cancel with travel supplier no later than the business day following the cause of cancellation Reimbursement reduced by any travel vouchers offered by the supplier	Medical conditions not stable in the 90 days before the effective date Travel to visit an ailing person where that person's condition causes the claim Pregnancy or complications within 9 weeks of expected delivery Travel advisories issued before the effective date
trip interruption Start Claim	✅ Yes	$1,500	Coverage activates when any portion of prepaid travel arrangements is charged to the Card Covers unused prepaid arrangements and extra cost of economy transportation Must be a Canadian resident traveling outside their province Also covers up to $1,000 for out-of-pocket expenses (accommodation, meals, etc.)	Medical conditions not stable in the 90 days before departure Pregnancy or complications within 9 weeks of expected delivery Participation in professional sports or hazardous activities Travel advisories issued before departure
trip delay Start Claim	✅ Yes	$1,000	Full fare must be charged to the Card or paid with Card reward points Covers reasonable living expenses and sundry items Coverage applies to missed connections, delayed flight departure, or denied boarding Aggregate limit of $1,000 applies to Missed Connection, Delayed Flight, and Emergency Baggage Delay combined	Alternate travel arrangements made by the insured (except local taxi/rideshare) Delay on a flight returning to the place of residence (for baggage delay) Illegal activity or fraud War, terrorism, or civil unrest
lost baggage Start Claim	✅ Yes	$1,000	Full fare of airline ticket must be charged to the Card Covers loss or damage to baggage while in transit Includes carry-on baggage when insured boards the aircraft Maximum payable is $1,000 for all insured persons combined	Cameras, electronics (laptops, phones), and sports equipment (except golf/ski/racquets) Cash, securities, tickets, and documents Confiscation by government authorities Illegal activity or fraud
delayed baggage Start Claim	✅ Yes	$1,000	Full fare must be charged to the Card Purchases must be for essential clothing and sundry items Expenses must be incurred within 4 days of arrival Aggregate limit of $1,000 combined with Flight Delay coverage	Delay on a flight returning to the insured's place of residence Illegal activity or fraud War or acts of war Terrorism
rental car Start Claim	✅ Yes	Actual Cash Value	Must initiate and complete the rental with the Card Full cost of rental must be charged to the Card (or paid with points with taxes on Card) Must decline the rental agency's Collision Damage Waiver (CDW/LDW) Only one vehicle rented at a time is covered	Third party liability Personal injury or damage to property other than the rental auto Operation of vehicle while intoxicated Trucks, pick-up trucks, off-road vehicles, motorcycles, trailers, campers Vehicles with MSRP over $85,000
cell phone protection	❌ No	—	—	—
purchase protection Start Claim	✅ Yes	$1,000	At least a portion of the purchase price must be charged to the Card Covers direct physical damage or theft anywhere in the world Coverage is supplementary to other insurance Limit of $1,000 per occurrence	Wear and tear Theft from a motor vehicle Mysterious disappearance Consumable or perishable goods Jewelry in baggage unless hand-carried Cash, tickets, and documents
extended warranty Start Claim	✅ Yes	$10,000	Extends original manufacturer's warranty for up to one additional year Entire purchase price must be charged to the Card Applies to warranties of 5 years or less Maximum liability is the lesser of purchase price or repair cost	Used or refurbished products Motorized vehicles and parts Items for business or commercial use (fixtures, inventory) Jewelry Living plants or animals

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