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

Coverage Area	Covered?	Limit	Conditions	Exclusions
emergency medical Start Claim	✅ Yes	$5,000,000	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	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
travel accident Start Claim	✅ Yes	$500,000	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	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
trip cancellation Start Claim	✅ Yes	$1,500 per person / $3,000 total	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	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
trip interruption Start Claim	✅ Yes	$1,500 per person / $6,000 total	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	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
trip delay Start Claim	✅ Yes	$1,000	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	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
lost baggage Start Claim	✅ Yes	$1,000	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	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
delayed baggage Start Claim	✅ Yes	$1,000	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	Delay on a flight returning to place of residence Illegal activity War or acts of war Terrorism
rental car Start Claim	✅ Yes	Actual Cash Value	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	Trucks, pick-up trucks, and cargo vans Off-road vehicles Motorcycles or mopeds Antique vehicles (over 20 years old) Driving while intoxicated
cell phone protection	❌ No	—	—	—
purchase protection Start Claim	✅ Yes	$1,000	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	Wear and tear Theft from motor vehicles Mysterious disappearance Consumables and perishables Used or refurbished items
extended warranty Start Claim	✅ Yes	$10,000	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	Used or refurbished items Motorized vehicles Items for commercial use Animals or living plants Jewelry

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