🇨🇦 American Express® Business Gold Rewards Card

Conditions

Exclusions

Conditions

• • Injury must occur while riding as a passenger in a Common Carrier (plane, train, bus, ship)
• • Must be on a trip where the fare was charged to the card
• • Loss must occur within 100 days of the accident

Exclusions

• × Suicide or self-inflicted injury
• × War or acts of war
• × Committing a criminal offense
• × Serving as an operator or crew member
• × Driving or riding in a rental vehicle

Conditions

Exclusions

Conditions

Exclusions

Conditions

• • Coverage includes missed connections if incoming flight is delayed and no alternative is available within 4 hours
• • Coverage includes denied boarding due to overbooking
• • Covers reasonable living expenses and sundry items
• • Full fare must be charged to the card or paid with Membership Rewards points

Exclusions

• × Alternate travel arrangements like purchasing a new airline ticket (except local taxi/rideshare)
• × Prepaid cards, gift cards, or cash
• × Illegal activity or fraud
• × War, hostilities, or military acts
• × Terrorism

Conditions

• • Baggage must be checked-in and accompanying the traveler
• • Purchases must be for essential clothing and sundry items
• • Expenses must be incurred within 4 days of arrival
• • Expenses must be incurred before the return of the baggage

Exclusions

• × Delays occurring on a flight returning to the place of residence
• × Illegal activity or fraud
• × War or military acts
• × Terrorism

Conditions

• • Covers loss or damage to baggage checked with an airline
• • Covers carry-on baggage while on board
• • Baggage must be in the care, custody, and control of the airline
• • Full fare of the ticket must be charged to the card

Exclusions

• × Eyeglasses, sunglasses, contact lenses, and artificial teeth
• × Electronics including laptops, cameras, phones, and media players
• × Sports equipment (except golf clubs, skis, and racquets)
• × Cash, securities, tickets, and documents
• × Fragile items like china, glass, or art
• × Confiscation by government or customs

Conditions

• • Must decline the rental agency's collision damage waiver (CDW/LDW)
• • Must charge the full cost of the rental to the card (or pay with Membership Rewards)
• • Coverage applies to theft, loss, and damage to the rental vehicle
• • Includes loss of use charges imposed by the rental agency
• • Only one rental vehicle is covered at a time

Exclusions

• × Third-party liability (damage to other cars or people)
• × Personal injury
• × Operation while intoxicated or under influence of drugs
• × Off-road operation
• × Vehicles with MSRP over $85,000
• × Trucks, pick-up trucks, cargo vans, limousines, and motorcycles

Conditions

• • Device must be purchased for business use only
• • Covers loss, theft, or accidental damage
• • Full purchase price must be charged to the card OR financed with monthly payments on the card
• • Coverage lasts up to 2 years from purchase
• • Device must be activated with a Canadian wireless provider (if cellular capable)

Exclusions

• × Accessories, batteries, and laptops
• × Devices purchased for personal use
• × Mysterious disappearance (unexplained loss)
• × Cosmetic damage not affecting functionality
• × Theft from baggage unless hand-carried

Conditions

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

Exclusions

• × Wear and tear
• × Theft from a motor vehicle
• × Mysterious disappearance (lost items)
• × Consumable or perishable goods
• × Jewelry and watches in baggage (unless hand-carried)
• × Motorized vehicles and their parts
• × Items for resale or inventory

Conditions

• • Extends original manufacturer's warranty by up to one additional year
• • Original warranty must be 5 years or less
• • Entire purchase price must be charged to the card
• • Applies to product malfunction, defect, or damage covered by original warranty

Exclusions

• × Used, rebuilt, or refurbished items
• × Motorized vehicles (cars, boats, etc.)
• × Items used for business fixtures or permanent upgrades
• × Jewelry
• × Consumables and perishables
• × Warranties lasting longer than 5 years