🇨🇦 American Express Cobalt® Card

Conditions

• • You must contact Global Excel before receiving emergency treatment or a penalty applies
• • Coverage is only available for residents of Canada covered by a government health insurance plan
• • Coverage extends automatically if hospitalized on return date or transportation is delayed
• • Top-up coverage is available for trips longer than 15 days

Exclusions

• × Medical conditions that were not stable in the 90 days before departure
• × Non-emergency services or experimental treatments
• × Pregnancy complications occurring 9 weeks before or after expected delivery
• × Injuries from high-risk activities like mountain climbing or professional sports
• × Alcohol abuse or drug overdose

Conditions

• • Covers loss of life, dismemberment, or loss of sight due to accident
• • Must be riding as a passenger in a Common Carrier (plane, train, ship)
• • Loss must occur within 100 days of the accident
• • Ticket must be charged to the American Express Card

Exclusions

• × Suicide or self-inflicted injury
• × War or acts of war
• × Committing a criminal offense
• × Serving as crew member
• × Alcohol or drug use unless prescribed
• × Rental vehicle accidents

Conditions

Exclusions

Conditions

Exclusions

Conditions

• • Covers reasonable living expenses and sundry items
• • Applies if flight is delayed 4+ hours or denied boarding occurs
• • Applies if a connecting flight is missed due to incoming flight delay
• • Aggregate limit of $500 includes baggage delay coverage

Exclusions

• × Alternate travel arrangements (except taxi/rideshare)
• × Delays on a flight returning to your place of residence
• × Illegal activity or criminal acts
• × War or acts of war
• × Terrorism

Conditions

• • Covers essential clothing and sundry items
• • Expenses must be incurred within 4 days of arrival and before baggage return
• • Aggregate limit of $500 includes flight delay coverage
• • Baggage must not be delivered within 6 hours of arrival

Exclusions

• × Delay occurring on a flight returning to your place of residence
• × Illegal activity
• × War or acts of war
• × Terrorism

Conditions

• • Covers loss or damage to checked-in or carry-on baggage
• • Full fare must be charged to the Card
• • Coverage begins when baggage is checked in and ends upon retrieval
• • Maximum payable is $500 for all insured persons combined per occurrence

Exclusions

• × Contact lenses, eyeglasses, sunglasses
• × Cameras, laptops, cell phones, and other electronics
• × Cash, currency, tickets, or documents
• × Confiscation by government or customs
• × Sports equipment (except golf clubs and racquets)
• × Perishable items, animals, and furs

Conditions

• • Must decline the rental agency's Collision Damage Waiver (CDW/LDW)
• • Must charge the full cost of the rental to the Card
• • Only one rental vehicle covered at a time
• • Covers theft, loss, damage, and valid loss of use charges

Exclusions

• × Trucks, pick-up trucks, and cargo vans
• × Off-road vehicles
• × Motorcycles, mopeds, or motor bikes
• × Trailers, campers, and RVs
• × Vehicles over $85,000 MSRP
• × Antique vehicles (over 20 years old)
• × Third party liability (damage to other cars or people)
• × Driving while intoxicated

Conditions

• • Covers lost, stolen, or accidentally damaged devices
• • Full price must be charged to Card OR financed with bill payments on Card
• • Depreciation is 2% per month from purchase date
• • Maximum of 1 claim per 12 months, 2 claims per 48 months
• • Device must be new (or official replacement)

Exclusions

• × Mysterious disappearance (unexplained loss)
• × Cosmetic damage not affecting functionality
• × Accessories (batteries, cases)
• × Theft from baggage unless hand-carried
• × Used or refurbished devices (unless warranty replacement)
• × Devices purchased for business or resale

Conditions

• • Covers direct physical damage or theft
• • At least a portion of the purchase price must be charged to the Card
• • Coverage limited to the portion charged to the Card
• • Items given as gifts are covered

Exclusions

• × Wear and tear
• × Theft from a motor vehicle
• × Mysterious disappearance (lost items)
• × Consumables and perishables (food, perfume)
• × Jewelry and watches in baggage
• × Motorized vehicles and their parts
• × Business property

Conditions

• • Doubles original manufacturer's warranty up to one additional year
• • Original warranty must be 5 years or less
• • Must charge full purchase price to the Card
• • Valid in Canada or the United States

Exclusions

• × Used or refurbished items
• × Motorized vehicles (cars, boats, planes)
• × Business property or fixtures
• × Items with warranties longer than 5 years