Business Platinum Card® from American Express - CA

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

Coverage Area	Covered?	Limit	Conditions	Exclusions
emergency medical Start Claim	✅ Yes	$5,000,000	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	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
travel accident Start Claim	✅ Yes	$500,000	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	Suicide or self-inflicted injury War or acts of war Commission of a criminal offense Serving as pilot or crew member
trip cancellation Start Claim	✅ Yes	$1,500 per person / $3,000 combined	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	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
trip interruption Start Claim	✅ Yes	$1,500 per person / $6,000 combined	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)	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
trip delay Start Claim	✅ Yes	$1,000	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	Illegal activity or fraud War or acts of war Terrorism
lost baggage Start Claim	✅ Yes	$1,000	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	Electronics (laptops, cameras, cell phones) Cash, tickets, and documents Sporting equipment (except golf, ski, tennis) Confiscation by authorities
delayed baggage Start Claim	✅ Yes	$1,000	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	Delay occurring on return flight to place of residence Illegal activity War or terrorism
rental car Start Claim	✅ Yes	Actual Cash Value	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	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
cell phone protection Start Claim	✅ Yes	$1,500 Ded: 10% of depreciated value	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)	Personal use devices Accessories, batteries, and laptops Mysterious disappearance Cosmetic damage Theft from baggage unless hand-carried
purchase protection Start Claim	✅ Yes	$1,000	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	Wear and tear Mysterious disappearance (lost items) Consumable and perishable goods Jewelry in baggage unless hand-carried Items left behind
extended warranty Start Claim	✅ Yes	$10,000	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	Used or refurbished items Motorized vehicles (except children's toy vehicles) Items for resale or business inventory Business fixtures Living plants or animals

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