🇨🇦 American Express® Aeroplan®* Business Reserve

Conditions

• • 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

Exclusions

• × 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

Conditions

• • 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)

Exclusions

• × Suicide or self-inflicted injury
• × War or acts of war
• × Commission of a criminal offense
• × Operating or serving as crew of any conveyance

Conditions

• • 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

Exclusions

• × 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

Conditions

• • 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.)

Exclusions

• × 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

Conditions

• • 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

Exclusions

• × 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

Conditions

• • 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

Exclusions

• × Delay on a flight returning to the insured's place of residence
• × Illegal activity or fraud
• × War or acts of war
• × Terrorism

Conditions

• • 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

Exclusions

• × Cameras, electronics (laptops, phones), and sports equipment (except golf/ski/racquets)
• × Cash, securities, tickets, and documents
• × Confiscation by government authorities
• × Illegal activity or fraud

Conditions

• • 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

Exclusions

• × 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

Conditions

Exclusions

Conditions

• • 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

Exclusions

• × Wear and tear
• × Theft from a motor vehicle
• × Mysterious disappearance
• × Consumable or perishable goods
• × Jewelry in baggage unless hand-carried
• × Cash, tickets, and documents

Conditions

• • 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

Exclusions

• × Used or refurbished products
• × Motorized vehicles and parts
• × Items for business or commercial use (fixtures, inventory)
• × Jewelry
• × Living plants or animals