American Express® Aeroplan®* Card

🇨🇦 American Express® Aeroplan®* Card

Annual Fee: $120

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

Coverage Summary

Conditions

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Exclusions

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Conditions

  • • Death or dismemberment must occur within 100 days of accident
  • • Must be riding as a passenger on a Common Carrier (plane, train, ship)
  • • Fare must be charged to the American Express Card
  • • Includes exposure to elements and disappearance (presumed dead after 52 weeks)

Exclusions

  • × Suicide or self-inflicted injury
  • × War or acts of war
  • × Commission of a criminal offense
  • × Serving as operator or crew member
  • × Alcohol or drug use unless prescribed

Conditions

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Exclusions

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Conditions

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Exclusions

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Conditions

  • • The flight departure is delayed for 4 hours or more
  • • Denied boarding due to overbooking and no alternative transport within 4 hours
  • • Missed connection due to delay of incoming flight and no alternative transport within 4 hours
  • • Coverage includes reasonable living expenses (meals, accommodation, taxi)
  • • 100% of the ticket cost must be charged to the Card

Exclusions

  • × Alternate travel arrangements like new airline tickets (except local taxi/rideshare)
  • × Illegal activity or criminal acts
  • × War, hostilities, or terrorism
  • × Failure of any device to correctly read date/time data

Conditions

  • • Baggage is not delivered within 6 hours of arrival at outbound destination
  • • Purchases must be for essential clothing and sundries
  • • Expenses must be incurred within 4 days of arrival
  • • Full fare of the ticket must be charged to the Card

Exclusions

  • × Delay occurring on a flight returning to the place of residence
  • × Illegal activity or fraud
  • × War, hostilities, or terrorism

Conditions

  • • Baggage must be checked-in with a scheduled or charter airline
  • • Carry-on baggage is covered when the person boards the aircraft
  • • Coverage covers loss or damage to owned or borrowed baggage
  • • Full fare of the ticket must be charged to the Card

Exclusions

  • × Eyeglasses, sunglasses, contact lenses
  • × Electronics including cameras, laptops, cell phones, MP3 players
  • × Cash, securities, tickets, or documents
  • × Sports equipment (except golf clubs, skis, and racquets)
  • × Fragile items like china, glass, or antiques
  • × Illegal activity, war, or confiscation by authorities

Conditions

  • • Must decline the rental agency's Collision Damage Waiver (CDW)
  • • Full cost of rental must be charged to the Card (or Points + Card)
  • • Only one vehicle rented at a time is covered
  • • Must initiate and complete the rental with the same Card

Exclusions

  • × Trucks, pick-up trucks, or vehicles reconfigurable into pick-ups
  • × Off-road vehicles, motorcycles, mopeds
  • × Trailers, campers, recreational vehicles
  • × Vehicles with MSRP over $85,000
  • × Intoxicated driving or illegal narcotics
  • × Wear and tear, mechanical breakdown

Conditions

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Exclusions

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Conditions

  • • Covers direct physical damage or theft
  • • At least a portion of the purchase price must be charged to the Card
  • • Coverage is in excess of other insurance
  • • Items given as gifts are covered

Exclusions

  • × Wear and tear
  • × Theft from a motor vehicle
  • × Mysterious disappearance (lost items)
  • × Consumables (perfume, food) and living plants
  • × Jewelry in baggage unless hand-carried
  • × Motorized vehicles and business property

Conditions

  • • Doubles original manufacturer warranty up to one additional year
  • • Original warranty must be 5 years or less
  • • Entire purchase price must be charged to the Card
  • • Valid in Canada or the United States

Exclusions

  • × Used, rebuilt, or refurbished items
  • × Motorized vehicles (cars, boats, etc.)
  • × Business fixtures
  • × Items with warranties longer than 5 years
  • × Perishables and living plants
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