National Bank World Elite® Mastercard®

National Bank World Elite® Mastercard®

Annual Fee: $150

Issuer: National Bank

Policy Version: February 2024

Last Updated: 2026-02-08

Policy Information

Claims Contact

website: nbc.ca
phone domestic: 1-888-235-2645
phone international: 514-286-8345

Global Limits

who is covered: Primary cardholder, spouse, and dependent children
trip duration limit: 60 days (age 54 and under), 31 days (age 55-64), 15 days (age 65-75)

Coverage Summary

Coverage Area	Covered?	Limit	Conditions	Exclusions
emergency medical Start Claim	✅ Yes	$5,000,000	Must be a resident of Canada Must have valid government health insurance plan Must contact assistance provider before receiving treatment Trip length must not exceed limits based on age	Pre-existing conditions not stable for 3 months (under age 61) or 6 months (age 61+) Pregnancy within 8 weeks of due date Participation in dangerous sports or activities like skydiving or bungee jumping Alcohol or drug abuse Travel for the purpose of receiving medical treatment
travel accident	❌ No	—	—	—
trip cancellation Start Claim	✅ Yes	$2,500	Must cancel before departure Must notify travel provider within 48 hours of event At least a portion of the trip cost must be charged to the card	Pre-existing medical conditions in the 3 months prior to booking Pregnancy within 8 weeks of due date Travel to visit a sick friend/relative whose condition changes Aversion to travel Financial difficulties
trip interruption Start Claim	✅ Yes	$5,000	Interruption must occur after departure Must be due to a covered cause At least a portion of the trip cost must be charged to the card	Pre-existing medical conditions in the 3 months prior to trip Pregnancy within 8 weeks of due date Participation in high-risk activities Mental or nervous problems unless hospitalized
trip delay Start Claim	✅ Yes	$500	Flight must be delayed more than 4 hours Or denied boarding due to overbooking with no alternative within 4 hours Must check in at least 2 hours before scheduled departure	Delays not caused by mechanical failure, weather, road accident, or police-directed road closure
lost baggage Start Claim	✅ Yes	$1,000	Item limit is $250 Must take reasonable measures to prevent loss Must report theft to police immediately	Money, tickets, and documents Animals and plants Electronics (tablets, mobile devices, laptops) Fragile items (unless fire/vandalism) Mysterious disappearance (unless checked baggage)
delayed baggage Start Claim	✅ Yes	$500	Only valid for outbound trips (before return date) Must be checked baggage with a common carrier Covers essential items like clothing and toiletries	Delay on return flight home Delays less than 6 hours
rental car Start Claim	✅ Yes	$65,000	Must decline rental agency's collision damage waiver Full cost of rental must be charged to the card Only one vehicle rented at a time	Trucks, campers, and trailers Off-road vehicles Luxury vehicles over $65,000 MSRP Vans with more than 8 seats Antique cars (over 20 years old)
cell phone protection Start Claim	✅ Yes	$1,000 Ded: Tiered ($25-$100) based on device value	Covers breakage, loss, or theft Device must be purchased new Full price or all monthly plan payments must be charged to card Limit of 1 claim per year or 2 claims every 4 years	Accessories and batteries Devices for business use Used or refurbished devices Cosmetic damage Mysterious disappearance without theft
purchase protection Start Claim	✅ Yes	Purchase Price	Item must be new Full purchase price must be charged to the card Must report theft to police immediately	Traveler's cheques and cash Animals and plants Used or pre-owned items Motorized vehicles Items for business use
extended warranty Start Claim	✅ Yes	Purchase Price	Triples original manufacturer warranty up to 2 extra years Original warranty must be valid in Canada Must register if original warranty is longer than 5 years	Used items Motorized vehicles Items for commercial use Normal wear and tear

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