American Express® Gold Rewards Card - CA

American Express® Gold Rewards Card - CA

Annual Fee: $250

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	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	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
travel accident Start Claim	✅ Yes	$500,000	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	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
trip cancellation Start Claim	✅ Yes	$1,500 per person / $3,000 total	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	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
trip interruption Start Claim	✅ Yes	$1,500 per person / $6,000 total	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	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
trip delay Start Claim	✅ Yes	$500	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	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
lost baggage Start Claim	✅ Yes	$500	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	Eyeglasses, sunglasses, and contact lenses Cameras and electronics (laptops, phones, etc.) Cash, tickets, and documents Animals and furs Confiscation by government authorities
delayed baggage Start Claim	✅ Yes	$500	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	Delay occurring on a flight returning to place of residence Illegal activity War or acts of war Tickets purchased with points from other programs
rental car Start Claim	✅ Yes	Actual cash value up to MSRP $85,000	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	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)
cell phone protection	❌ No	—	—	—
purchase protection Start Claim	✅ Yes	$1,000	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	Wear and tear Mysterious disappearance or lost items Cash, tickets, and documents Animals or living plants Consumables and perishables
extended warranty Start Claim	✅ Yes	$10,000	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	Used or refurbished items Motorized vehicles (cars, boats, etc.) Items for commercial business use Inherent product defects Wear and tear

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