BMO Ascend World Elite®* Mastercard®*

BMO Ascend World Elite®* Mastercard®*

Annual Fee: $150

Issuer: Bank of Montreal

Policy Version: October 2022

Last Updated: 2026-02-08

Policy Information

Claims Contact

website: www.allianz-assistance.ca
phone domestic: 1-877-704-0341
phone international: 519-741-0782

Global Limits

who is covered: Primary cardholder, spouse, and dependent children
trip duration limit: 21 days

Coverage Summary

Coverage Area	Covered?	Limit	Conditions	Exclusions
emergency medical Start Claim	✅ Yes	$5,000,000	Must be a resident of Canada Must be covered by a Government Health Insurance Plan (GHIP) Account must be in good standing Trip does not need to be charged to the card Must contact Operations Centre within 24 hours of emergency	Pre-existing conditions not stable for 180 days prior to departure High-risk activities like scuba diving (without certification), skydiving, or bungee jumping Alcohol abuse or drug use Travel against medical advice Pregnancy complications within 9 weeks of expected due date
travel accident Start Claim	✅ Yes	$500,000	Full cost of ticket must be charged to the card Injury must be accidental and occur while passenger on licensed common carrier Loss must occur within 365 days of accident	Sickness or disease Suicide or self-inflicted injury Illegal acts War or terrorism Operating or serving as crew on an aircraft
trip cancellation Start Claim	✅ Yes	$1,500 per person	Full or partial cost of trip must be charged to the card Must be a resident of Canada Account must be in good standing Must notify Operations Centre within 48 hours of cause	Pre-existing medical conditions not stable for 180 days (or 365 days if age 65+) Pregnancy complications Known events at time of booking Travel advisory issued before booking Alcohol or drug abuse
trip interruption Start Claim	✅ Yes	$2,000 per person	Full or partial cost of trip must be charged to the card Must be a resident of Canada Account must be in good standing Must notify Operations Centre within 48 hours	Pre-existing medical conditions not stable for 180 days (or 365 days if age 65+) Known events prior to departure Travel against medical advice Alcohol or drug abuse Bankruptcy of travel supplier (except as expressly covered)
trip delay Start Claim	✅ Yes	$500	Delay must be more than 4 hours Must be on a regularly scheduled commercial airline Full cost of ticket must be charged to the card Expenses must be incurred as a result of the delay	Operating or learning to operate an aircraft Illegal acts War, terrorism, or political risk Bankruptcy or insolvency of travel supplier Sanctions violations
lost baggage Start Claim	✅ Yes	$1,000	Full cost of ticket must be charged to the card Baggage must be checked in with or carried on a common carrier Must notify Operations Centre immediately	Normal wear and tear Animals Money, securities, or tickets Computers, software, or cellular phones Jewelry or cameras in checked baggage
delayed baggage Start Claim	✅ Yes	$1,000	Full cost of ticket must be charged to the card Baggage delayed more than 6 hours Benefit only available for outbound travel Purchases must be made within 36 hours of arrival	Delay occurring on return travel to residence Wear and tear Illegal acts Sanctions violations
rental car Start Claim	✅ Yes	$65,000	Must be a resident of Canada Full cost of rental must be charged to the card Must decline the rental agency's Collision Damage Waiver (CDW) Must not rent more than one vehicle at a time Rental period must not exceed 48 days	Trucks, campers, or trailers Off-road vehicles Motorcycles or mopeds Vehicles with MSRP over $65,000 Antique vehicles Wear and tear Off-road operation
cell phone protection	❌ No	—	—	—
purchase protection Start Claim	✅ Yes	Purchase price (Lifetime max $60,000)	Full purchase price must be charged to the card Must be a resident of Canada Account must be in good standing Must use diligence to avoid loss	Money, tickets, or documents Animals or living plants Consumable or perishable goods Jewelry in baggage not hand-carried Used or refurbished items Vehicles and motorized equipment Mysterious disappearance
extended warranty Start Claim	✅ Yes	Purchase price (Lifetime max $60,000)	Full purchase price must be charged to the card Original manufacturer's warranty must be valid in Canada Must register item if original warranty exceeds 5 years Max extension is 1 year (doubles original warranty)	Used or refurbished items Vehicles Commercial property Items with lifetime warranty Installations or work in progress

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