🇨🇦 Scotiabank® Gold American Express® Card
Annual Fee: $120
Issuer: Scotiabank
Policy Version: October 2022
Last Updated: 2026-02-08
Policy Information
Claims Contact
- website: www.manulife.ca/scotia
- phone domestic: 1-800-263-0997
- phone international: 416-977-1552
Global Limits
- who is covered: Cardmember, Spouse, and eligible Dependent Children
- trip duration limit: 25 days for under 65, 3 days for 65 and over
Coverage Summary
Conditions
- • Must contact the administrator immediately when a medical emergency occurs
- • Coverage limited to first 25 days (under 65) or 3 days (65+) of the trip
- • Must be a resident of Canada covered by a Government Health Insurance Plan
- • Coverage ends if you are absent for more than the covered number of days
Exclusions
- × Pre-existing medical conditions not stable for 180 days (under 75) or 365 days (75+)
- × Pregnancy or childbirth complications within 9 weeks of expected delivery
- × Participation in professional or dangerous sports
- × Alcohol or drug abuse
- × Non-emergency or elective treatments
Conditions
- • Injury must occur while occupying a Common Carrier
- • At least 75% of ticket cost must be charged to the card
- • Benefits payable for accidental death or dismemberment
- • Maximum benefit of $1,000,000 per occurrence
Exclusions
- × Suicide or self-inflicted injury
- × Illness or disease
- × Pregnancy or childbirth
- × Declared or undeclared war
- × Serving as crew on aircraft
Conditions
- • Must cancel travel arrangements immediately when cause arises
- • Notify administrator within 48 hours of cause
- • Reimburses non-refundable eligible expenses
- • Coverage for rescheduling expenses is limited to what cancellation would have cost
Exclusions
- × Pre-existing medical conditions
- × Pregnancy complications within 9 weeks of due date
- × Intentionally self-inflicted injury or suicide
- × Travel to a region with a government travel advisory issued before booking
- × Alcohol or drug use
Conditions
- • Must notify administrator immediately
- • Reimburses additional transport costs to return home
- • Reimburses unused non-refundable land arrangements
Exclusions
- × Pre-existing medical conditions
- × Pregnancy complications within 9 weeks of due date
- × Participation in dangerous sports
- × Travel to a region with a government travel advisory issued during trip
- × Alcohol or drug use
Conditions
- • Delay must be due to strike, weather, mechanical breakdown, or overbooking
- • No alternative transport made available within 4 hours
- • Reimburses reasonable expenses for hotel, meals, and essential items
- • Expenses must be incurred within 48 hours of scheduled departure
Exclusions
- × Criminal or fraudulent acts
- × War, civil war, or rebellion
- × Warlike acts by government or military forces
Conditions
- • Luggage must be delayed more than 4 hours at final destination
- • Reimburses cost of essential items (clothing, toiletries)
- • Purchases must be made within 96 hours of arrival
- • Purchases must be made before luggage is returned
Exclusions
- × Delay on return trip to home province
- × Expenses incurred after luggage is returned
- × Money, securities, and tickets
- × Losses caused by criminal acts
Conditions
- • Covers theft or permanent misdirection by Common Carrier
- • Luggage must be checked
- • Payment based on replacement cost if replaced, or actual cash value
- • Maximum payable is per trip for all insured persons combined
Exclusions
- × Animals
- × Money, securities, and credit cards
- × Cameras and electronic equipment
- × Sporting equipment
- × Art objects and business items
- × Losses covered by the carrier
Conditions
- • Must decline rental agency's collision/loss damage waiver
- • Must charge full cost to card or pay with Scene+ points
- • Coverage limited to one vehicle at a time
- • Includes loss of use and towing charges
Exclusions
- × Trucks and pick-up trucks
- × Off-road vehicles
- × Motorcycles or mopeds
- × Expensive or exotic vehicles (MSRP over $65,000)
- × Vans (other than minivans)
- × Vehicles used for hire or moving
- × Wear and tear or mechanical breakdown
Conditions
- • Must purchase new device and charge full price to card OR finance via plan charged to card
- • Scene+ points cannot be used for purchase
- • Coverage limited to 2 years from purchase
- • Device is depreciated by 2% per month
Exclusions
- × Accessories and batteries
- × Used or refurbished devices
- × Cosmetic damage
- × Theft from baggage unless hand-carried
- × Mysterious disappearance
Conditions
- • Covers loss, theft, or damage
- • Must charge full purchase price to card
- • Aggregate lifetime liability limit is $60,000
- • Report to other insurance first if applicable
Exclusions
- × Cash, travellers cheques, negotiable instruments
- × Animals and living plants
- × Motorized vehicles and parts
- × Used or pre-owned items
- × Items for business or commercial use
- × Mysterious disappearance
Conditions
- • Doubles original manufacturer warranty up to 1 extra year
- • Must charge full purchase price to card
- • Must register items with warranties of 5 years or more within 1 year
- • Lifetime liability limit is $60,000 (combined with Purchase Security)
Exclusions
- × Motorized vehicles and parts
- × Used items
- × Items for business or commercial use
- × Aircraft and parts