🇨🇦 American Express® Aeroplan®* 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
Conditions
- • Must call Global Excel before receiving emergency services
- • Must be a resident of Canada covered by a government health insurance plan
- • Coverage available for persons age 64 or under
- • Coverage applies to the first 15 consecutive days of the trip
- • If you do not call Global Excel before treatment, you may be responsible for 20% of expenses up to $25,000
Exclusions
- × Medical conditions that were not stable in the 90 days before departure
- × Routine pre-natal care or pregnancy complications 9 weeks before/after due date
- × Participation in professional sports, motorized races, or mountain climbing
- × Travel against physician advice
- × Any medical condition if travel is undertaken to seek treatment
Conditions
- • Must be riding as a passenger in a common carrier
- • Full fare must be charged to the Card
- • Loss must occur within 100 days of accident
- • Maximum indemnity per covered person is $500,000
Exclusions
- × Suicide or self-inflicted injury
- × War or acts of war
- × Commission of a criminal offense
- × Operating or serving as crew of conveyance
- × Being under the influence of drugs or alcohol
Conditions
- • Must cancel with travel supplier no later than the business day following the cause of cancellation
- • Prepaid travel arrangements must be charged to the Card or paid with Aeroplan points
- • Medical conditions must be stable for 90 days prior to effective date
- • Reimbursement reduced by any travel vouchers offered by supplier
Exclusions
- × Pregnancy complications within 9 weeks of due date
- × Travel against physician advice
- × Known reasons that might prevent travel at time of booking
- × Participation in professional sports or dangerous activities
- × Travel to visit an ailing person who is the cause of the claim
Conditions
- • Cause of interruption must occur during the trip
- • Includes reimbursement for unused prepaid arrangements
- • Includes extra cost of economy transportation to return home
- • Medical conditions must be stable for 90 days prior to departure
Exclusions
- × Pre-existing medical conditions not stable for 90 days
- × Travel against physician advice
- × Pregnancy complications within 9 weeks of due date
- × War or acts of war
- × Illegal activity
Conditions
- • Full fare must be charged to the Card or paid with Aeroplan points
- • Delay must be 4 hours or more
- • Includes denied boarding due to overbooking
- • Includes missed connections due to delay of incoming flight
- • Covers reasonable living expenses and sundry items
Exclusions
- × Alternate travel arrangements made by the insured (except taxi/rideshare)
- × Illegal activity or fraud
- × War or acts of war
- × Terrorism
- × Failure of any device to correctly read date/time data
Conditions
- • Baggage not delivered within 6 hours of arrival
- • Coverage applies to outbound flight destination only
- • Purchases must be made within 4 days of arrival
- • Full fare must be charged to the Card
Exclusions
- × Delay on a flight returning to place of residence
- × Illegal activity
- × War or acts of war
- × Terrorism
Conditions
- • Baggage must be checked-in or carry-on
- • Full fare must be charged to the Card
- • Coverage is in excess of other insurance or carrier payments
- • Must report loss to police or carrier immediately
Exclusions
- × Cameras, camera equipment, and accessories
- × Electronics including laptops and cell phones
- × Cash, currency, and tickets
- × Sporting equipment (except golf, ski, and tennis)
- × Confiscation by government authority
Conditions
- • Must decline rental agency's CDW/LDW
- • Full cost of rental must be charged to the Card
- • Coverage limited to one vehicle at a time
- • Must report damage within 48 hours
Exclusions
- × Trucks, pick-up trucks, and cargo vans
- × Off-road vehicles
- × Motorcycles or mopeds
- × Antique vehicles (over 20 years old)
- × Driving while intoxicated
Conditions
—Exclusions
—Conditions
- • Protects against direct physical damage or theft
- • Must report incident within 48 hours
- • Coverage ends 90 days after purchase
- • At least a portion of the purchase price must be charged to the Card
Exclusions
- × Wear and tear
- × Theft from motor vehicles
- × Mysterious disappearance
- × Consumables and perishables
- × Used or refurbished items
Conditions
- • Doubles original manufacturer warranty up to 1 year
- • Original warranty must be 5 years or less
- • Must be valid in Canada or US
- • Entire purchase price must be charged to the Card
Exclusions
- × Used or refurbished items
- × Motorized vehicles
- × Items for commercial use
- × Animals or living plants
- × Jewelry