BMO eclipse Visa Infinite Privilege* Card

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

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 Canadian Government Health Insurance Plan (GHIP) Account must be in good standing Must contact Operations Centre within 24 hours of incident	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
travel accident Start Claim	✅ Yes	$500,000	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	Sickness or disease Suicide or self-inflicted injury Commission of a criminal offence War or terrorism Operating an aircraft
trip cancellation Start Claim	✅ Yes	$2,500 per person ($5,000 total)	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	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
trip interruption Start Claim	✅ Yes	$5,000 per person ($25,000 total)	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	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
trip delay Start Claim	✅ Yes	$1,000	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	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
lost baggage Start Claim	✅ Yes	$1,000 per person ($2,500 total)	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	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
delayed baggage Start Claim	✅ Yes	$1,000	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)	Wear and tear Items specifically insured otherwise Sanctions violations
rental car Start Claim	✅ Yes	$85,000 MSRP	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	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
cell phone protection Start Claim	✅ Yes	$1,000 Ded: 10% of depreciated value or repair cost (min $25)	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	Accessories and batteries Laptop computers Devices for business or resale Used or refurbished devices Mysterious disappearance Cosmetic damage
purchase protection Start Claim	✅ Yes	Purchase price (up to lifetime max $60,000)	Full purchase price must be paid with the card Covers theft or damage Must notify Operations Centre immediately	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
extended warranty Start Claim	✅ Yes	Purchase price (up to lifetime max $60,000)	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	Items with lifetime warranty Used or refurbished items Motorized vehicles Commercial property

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