Scotiabank® Gold American Express® Card

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

Coverage Area	Covered?	Limit	Conditions	Exclusions
emergency medical Start Claim	✅ Yes	$1,000,000	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	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
travel accident Start Claim	✅ Yes	$500,000	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	Suicide or self-inflicted injury Illness or disease Pregnancy or childbirth Declared or undeclared war Serving as crew on aircraft
trip cancellation Start Claim	✅ Yes	$1,500 per person / $10,000 per trip	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	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
trip interruption Start Claim	✅ Yes	$1,500 per person / $10,000 per trip	Must notify administrator immediately Reimburses additional transport costs to return home Reimburses unused non-refundable land arrangements	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
trip delay Start Claim	✅ Yes	$500	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	Criminal or fraudulent acts War, civil war, or rebellion Warlike acts by government or military forces
lost baggage Start Claim	✅ Yes	$1,000	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	Animals Money, securities, and credit cards Cameras and electronic equipment Sporting equipment Art objects and business items Losses covered by the carrier
delayed baggage Start Claim	✅ Yes	$1,000	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	Delay on return trip to home province Expenses incurred after luggage is returned Money, securities, and tickets Losses caused by criminal acts
rental car Start Claim	✅ Yes	Up to actual cash value of vehicle	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	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
cell phone protection Start Claim	✅ Yes	$1,000 Ded: $25-$100 based on device price	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	Accessories and batteries Used or refurbished devices Cosmetic damage Theft from baggage unless hand-carried Mysterious disappearance
purchase protection Start Claim	✅ Yes	Purchase Price	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	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
extended warranty Start Claim	✅ Yes	Purchase Price	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)	Motorized vehicles and parts Used items Items for business or commercial use Aircraft and parts

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