🇨🇦 Business Platinum Card® from American Express - CA
Annual Fee: $799
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
Conditions
- • Must be a resident of Canada covered by a government health insurance plan
- • Must call Global Excel before receiving treatment
- • Coverage applies to trips outside your province of residence
- • Cardmember, spouse, and dependent children are covered
Exclusions
- × Medical conditions that were not stable in the 90 days before the trip
- × Routine pre-natal care or pregnancy complications 9 weeks before/after due date
- × High risk sports like professional athletics, motorized racing, or mountain climbing
- × Alcohol abuse or drug overdose
Conditions
- • Fare must be charged to the American Express Card
- • Death or dismemberment must occur within 100 days of accident
- • Must be riding as a passenger on a common carrier
Exclusions
- × Suicide or self-inflicted injury
- × War or acts of war
- × Commission of a criminal offense
- × Serving as pilot or crew member
Conditions
- • Prepaid travel arrangements must be charged to the Card
- • Must be a resident of Canada
- • Must cancel with travel supplier immediately upon cause of cancellation
Exclusions
- × Medical conditions not stable in the 90 days before booking
- × Pregnancy complications 9 weeks before/after due date
- × Travel against physician advice
- × Known reasons that would prevent travel at time of booking
- × Trips purchased with points other than Membership Rewards
Conditions
- • Any portion of prepaid travel arrangements must be charged to the Card
- • Must be a resident of Canada
- • Out-of-pocket expenses up to $100 per day ($1,000 max)
Exclusions
- × Medical conditions not stable in the 90 days before departure
- × Pregnancy complications 9 weeks before/after due date
- × Travel against physician advice
- × Trips purchased with points other than Membership Rewards
Conditions
- • Full fare must be charged to the Card
- • Delay must be 4 hours or more
- • Includes denied boarding due to overbooking
- • Covers reasonable living expenses and sundry items
Exclusions
- × Illegal activity or fraud
- × War or acts of war
- × Terrorism
Conditions
- • Full fare must be charged to the Card
- • Purchases must be for essential clothing and sundries
- • Purchases must be made within 4 days of arrival
- • Coverage limit is aggregate with Flight Delay
Exclusions
- × Delay occurring on return flight to place of residence
- × Illegal activity
- × War or terrorism
Conditions
- • Full fare must be charged to the Card
- • Baggage must be checked-in (or carry-on while boarding)
- • Must be in custody of a scheduled airline
Exclusions
- × Electronics (laptops, cameras, cell phones)
- × Cash, tickets, and documents
- × Sporting equipment (except golf, ski, tennis)
- × Confiscation by authorities
Conditions
- • Full cost of rental must be charged to the Card
- • Must decline rental agency's Collision Damage Waiver (CDW)
- • Coverage applies to theft, loss, and damage of the rental vehicle
- • Only one vehicle rented at a time is covered
Exclusions
- × Trucks, pick-ups, and cargo vans
- × Off-road vehicles and antique vehicles
- × Intoxicated driving
- × Personal injury or third party liability
- × Mechanical breakdown or wear and tear
Conditions
- • Mobile device must be purchased for business use
- • Full price charged to card OR financed via card payments
- • Device must be activated with a Canadian wireless provider
- • Depreciation applies (2% per month)
Exclusions
- × Personal use devices
- × Accessories, batteries, and laptops
- × Mysterious disappearance
- × Cosmetic damage
- × Theft from baggage unless hand-carried
Conditions
- • At least a portion of the purchase price must be charged to the Card
- • Items given as gifts are covered
- • Covers direct physical damage or theft
Exclusions
- × Wear and tear
- × Mysterious disappearance (lost items)
- × Consumable and perishable goods
- × Jewelry in baggage unless hand-carried
- × Items left behind
Conditions
- • Entire purchase price must be charged to the Card
- • Original manufacturer warranty must be valid in Canada or US
- • Original warranty must be 5 years or less
Exclusions
- × Used or refurbished items
- × Motorized vehicles (except children's toy vehicles)
- × Items for resale or business inventory
- × Business fixtures
- × Living plants or animals