🇨🇦 BMO eclipse Visa Infinite Privilege* Card
Annual Fee: $599
Issuer: Bank of Montreal
Policy Version: September 2022
Last Updated: 2026-02-08
Policy Information
Claims Contact
- website: www.allianz-assistance.ca
- phone domestic: 1-833-744-1266
- phone international: 519-514-1305
Global Limits
- who is covered: Primary cardholder, spouse, dependent children, and any additional cardholders
- trip duration limit: 22 days (age 64 or under); 3 days (age 65 or over)
Coverage Summary
Conditions
- • Must be a resident of Canada
- • Must be covered by a Canadian Government Health Insurance Plan (GHIP)
- • Account must be in good standing
- • Must contact Operations Centre within 24 hours of incident
Exclusions
- × Conditions not stable in the 90 days (age 64 and under) or 180 days (age 65 and over) before trip
- × Non-emergency, experimental, or elective treatment
- × Travel against medical advice
- × Pregnancy complications within 9 weeks of due date
- × High-risk activities (e.g., professional sports, scuba diving without certification, skydiving)
- × Abuse of alcohol or drugs
Conditions
- • Full cost of ticket must be charged to the card
- • Injury must occur while passenger on or entering/exiting common carrier
- • Loss must occur within 365 days of accident
Exclusions
- × Sickness or disease
- × Suicide or self-inflicted injury
- × Commission of a criminal offence
- × War or terrorism
- × Operating an aircraft
Conditions
- • Must be a resident of Canada
- • Full or partial cost must be paid with the card
- • Must notify Operations Centre within 48 hours of incident
- • Trip must be prepaid, non-refundable, and non-transferable
Exclusions
- × Pre-existing medical conditions not stable for 90 days
- × Known events expected to prevent travel
- × Travel against medical advice
- × Pregnancy complications within 9 weeks of due date
- × Travel to a region with a travel advisory issued before booking
- × Mental, nervous, or emotional disorders without hospitalization
Conditions
- • Must be a resident of Canada
- • Full or partial cost must be paid with the card
- • Must notify Operations Centre within 48 hours
- • Reimburses extra cost to change ticket or one-way economy fare
Exclusions
- × Pre-existing medical conditions not stable for 90 days
- × Travel against medical advice
- × Pregnancy complications within 9 weeks of due date
- × Travel advisory issued before departure date
- × War, terrorism, or political risk
Conditions
- • Delay must be more than 4 hours
- • Applies to regularly scheduled flights on commercial airlines
- • Full cost of ticket must be charged to the card
Exclusions
- × Operating or learning to operate an aircraft
- × Illegal acts
- × War, terrorism, or political risk
- × Bankruptcy or insolvency of travel supplier
- × Prepaid expenses are not covered
Conditions
- • Delay must be more than 4 hours
- • Purchases must be made within 36 hours of arrival
- • Coverage is for essential items (clothing/toiletries)
- • Available on outbound travel only (not return home)
Exclusions
- × Wear and tear
- × Items specifically insured otherwise
- × Sanctions violations
Conditions
- • Baggage must be checked in with or carried on a common carrier
- • Full cost of ticket must be paid with the card
- • Item coverage limit is $500 per item
- • Must notify Operations Centre immediately
Exclusions
- × Normal wear and tear
- × Animals, automobiles, money, tickets
- × Jewelry, furs, and camera equipment in checked baggage
- × Computers, software, and cellular phones
- × Loss due to confiscation by government
Conditions
- • Must decline rental agency's Collision Damage Waiver (CDW)
- • Full cost of rental must be charged to the card
- • Rental period must not exceed 48 consecutive days
- • Only one vehicle rented at a time
Exclusions
- × Trucks, pick-ups, vans (except specific passenger vans)
- × Campers, trailers, off-road vehicles
- × Motorcycles, mopeds
- × Expensive or exotic vehicles over $85,000 MSRP
- × Antique vehicles (over 20 years old)
- × Intoxication or drug use
Conditions
- • Full purchase price charged to card OR financed with all monthly payments charged to card
- • Must activate with Canadian wireless provider
- • Must notify wireless provider within 48 hours of loss/theft
- • Limit of 1 claim per 12 months, 2 claims per 48 months
Exclusions
- × Accessories and batteries
- × Laptop computers
- × Devices for business or resale
- × Used or refurbished devices
- × Mysterious disappearance
- × Cosmetic damage
Conditions
- • Full purchase price must be paid with the card
- • Covers theft or damage
- • Must notify Operations Centre immediately
Exclusions
- × Money, travellers cheques
- × Animals and plants
- × Consumable or perishable goods
- × Jewelry/furs in baggage unless hand-carried
- × Used or refurbished items
- × Motorized vehicles
- × Wear and tear
- × Mysterious disappearance
Conditions
- • Full purchase price must be paid with the card
- • Original manufacturer's warranty must be valid in Canada
- • Registration required if original warranty exceeds 5 years
Exclusions
- × Items with lifetime warranty
- × Used or refurbished items
- × Motorized vehicles
- × Commercial property