🇨🇦 American Express® Gold Rewards Card - CA

Conditions

• • Coverage is for the first 15 consecutive days of your trip
• • You must be a resident of Canada and covered by a government health insurance plan
• • You must call the assistance provider before receiving emergency services
• • Coverage ends if you are absent from your province for more than 15 days
• • Top-up coverage is available by calling the Enrollment Centre

Exclusions

• × Medical conditions that were not stable in the 90 days before departure
• × Routine care of a chronic condition
• × Pregnancy or birth complications occurring 9 weeks before or after expected delivery
• × Participation in professional sports, motorized races, or high-risk activities like rock climbing
• × Trips undertaken against physician advice or to seek treatment

Conditions

• • Fare must be charged to the American Express Card
• • Injury must occur while riding, boarding, or alighting a common carrier
• • Loss must occur within 100 days of the accident
• • Maximum indemnity per 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 any conveyance
• × Exposure to hazardous biological or nuclear material

Conditions

• • Any portion of prepaid travel arrangements must be charged to the card
• • Must cancel with travel supplier immediately (no later than next business day)
• • Reimbursement reduced by travel vouchers offered by supplier
• • Terrorism coverage is limited to 100% of eligible expenses
• • Must be a resident of Canada

Exclusions

• × Medical conditions not stable in the 90 days before effective date
• × Pregnancy complications 9 weeks before or after delivery
• × Known reasons that might prevent travel at time of booking
• × Travel to visit an ailing person who is the cause of the claim
• × Professional sports participation or motorized racing

Conditions

• • Coverage applies when cause occurs during the trip
• • Includes reimbursement for unused non-refundable arrangements
• • Includes extra cost of economy transportation to return home
• • Includes up to $1,000 total for out-of-pocket expenses ($100/day)
• • Must notify Global Excel immediately

Exclusions

• × Medical conditions not stable in the 90 days before departure
• × Travel to dangerous regions with active government advisories issued before departure
• × Illegal activity or fraud
• × Self-inflicted injury or suicide
• × Alcohol or drug abuse

Conditions

• • Coverage applies if the full fare of the ticket was charged to the card
• • Delay must be 4 hours or more
• • Also covers denied boarding due to overbooking
• • No alternative transportation made available within 4 hours
• • Covers reasonable living expenses and sundry items

Exclusions

• × Alternate travel arrangements (except local taxi/rideshare)
• × Illegal activities or fraud
• × War or acts of war
• × Terrorism
• × Tickets purchased with points from other reward programs

Conditions

• • Baggage must not be delivered within 6 hours of arrival
• • Full fare of the ticket must be charged to the card
• • Purchases must be for essential clothing and sundries
• • Expenses must be incurred within 4 days of arrival
• • Aggregate limit shared with flight delay coverage

Exclusions

• × Delay occurring on a flight returning to place of residence
• × Illegal activity
• × War or acts of war
• × Tickets purchased with points from other programs

Conditions

• • Full fare of the airline ticket must be charged to the card
• • Covers loss or damage to baggage while in transit
• • Coverage ends when baggage is placed in pickup area
• • Must file claim within 90 days
• • Includes carry-on baggage

Exclusions

• × Eyeglasses, sunglasses, and contact lenses
• × Cameras and electronics (laptops, phones, etc.)
• × Cash, tickets, and documents
• × Animals and furs
• × Confiscation by government authorities

Conditions

• • Must initiate and complete rental with the same card
• • Full cost of rental must be charged to the card
• • Must decline the rental agency's collision damage waiver (CDW)
• • Coverage is for one vehicle at a time
• • Must report claim within 48 hours

Exclusions

• × Trucks, pick-up trucks, and off-road vehicles
• × Vans or cargo vans (except mini-vans)
• × Vehicles with MSRP over $85,000
• × Operation while intoxicated
• × Third party liability (damage to other cars/people)

Conditions

Exclusions

Conditions

• • At least a portion of the purchase price must be charged to the card
• • Protects against direct physical damage or theft
• • Coverage is in excess of other insurance
• • Limit is $1,000 per occurrence

Exclusions

• × Wear and tear
• × Mysterious disappearance or lost items
• × Cash, tickets, and documents
• × Animals or living plants
• × Consumables and perishables

Conditions

• • Extends original manufacturer's warranty up to one additional year
• • Full purchase price must be charged to the card
• • Original warranty must be valid in Canada or USA
• • Original warranty must be 5 years or less

Exclusions

• × Used or refurbished items
• × Motorized vehicles (cars, boats, etc.)
• × Items for commercial business use
• × Inherent product defects
• × Wear and tear