American Express® Aeroplan®* Reserve Card

🇨🇦 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
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