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

Coverage Area	Covered?	Limit	Conditions	Exclusions
emergency medical	❌ No	—	—	—
travel accident Start Claim	✅ Yes	$500,000	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)	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
trip cancellation	❌ No	—	—	—
trip interruption	❌ No	—	—	—
trip delay Start Claim	✅ Yes	$500	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	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
lost baggage Start Claim	✅ Yes	$500	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	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
delayed baggage Start Claim	✅ Yes	$500	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	Delay occurring on a flight returning to the place of residence Illegal activity or fraud War, hostilities, or terrorism
rental car Start Claim	✅ Yes	Actual Cash Value	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	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
cell phone protection	❌ No	—	—	—
purchase protection Start Claim	✅ Yes	$1,000	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	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
extended warranty Start Claim	✅ Yes	$10,000	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	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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