Scotiabank Passport® Visa Infinite* Card

Scotiabank Passport® Visa Infinite* Card

Annual Fee: $150

Issuer: Scotiabank

Policy Version: February 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, Dependent Children
trip duration limit: 25 days (under 65), 3 days (65+)

Coverage Summary

Coverage Area	Covered?	Limit	Conditions	Exclusions
emergency medical Start Claim	✅ Yes	$2,000,000	Must be a resident of Canada covered by a Government Health Insurance Plan (GHIP). Must notify the administrator immediately upon emergency or benefits may be limited to 80% or $30,000. Coverage ends if you are absent from residence for more than the covered days (25 or 3). Extensions available if delayed by common carrier or vehicle breakdown. Treatment must be for an unforeseen illness or accidental injury.	Pre-existing medical conditions (180 days stability for under 75, 365 days for 75+). Pregnancy or childbirth complications within 9 weeks of expected delivery. Any elective or non-emergency surgery or treatment. High-risk sports or professional sports participation. Alcohol or drug abuse.
travel accident Start Claim	✅ Yes	$500,000	Must be occupying a Common Carrier (plane, train, bus). At least 75% of ticket cost must be charged to the card or Scene+ points. Covers accidental death or dismemberment.	Suicide or self-inflicted injury. Illness or disease. Pregnancy. War or terrorism. Operating or serving as crew on aircraft.
trip cancellation Start Claim	✅ Yes	$1,500 per person	Must cancel travel arrangements immediately when cause arises. Must notify administrator within 48 hours. At least 75% of eligible trip expenses must be charged to the card or Scene+ points.	Pre-existing medical conditions (180 days stability under 75, 365 days over 75). Pregnancy within 9 weeks of expected delivery. Substance abuse (drugs/alcohol). Travel to visit a sick person. Known events or risks before booking.
trip interruption Start Claim	✅ Yes	$2,500 per person	Must notify administrator immediately. At least 75% of eligible trip expenses must be charged to the card or Scene+ points. Reimburses additional transport or unused non-refundable costs.	Pre-existing medical conditions. Pregnancy complications within 9 weeks of delivery. Participation in dangerous sports. Terrorism or war. Self-inflicted injuries.
trip delay Start Claim	✅ Yes	$500	Delay must be due to strike, weather, mechanical breakdown, or overbooking. No alternative transportation made available within 4 hours. Must charge at least 75% of the ticket cost to the card or Scene+ points. Expenses must be incurred within 48 hours of scheduled departure.	Criminal or fraudulent acts. War, rebellion, or insurrection. Warlike acts by government or military force.
lost baggage Start Claim	✅ Yes	$1,000	Luggage must be checked with a Common Carrier. Full price of the fare must be charged to the card or Scene+ points. Based on actual replacement cost or cash value.	Money, securities, and credit cards. Cameras and electronic equipment. Sporting equipment. Art objects and collectibles. Animals. Luggage not checked.
delayed baggage Start Claim	✅ Yes	$1,000	Items must be purchased within 96 hours of arrival. Items must be purchased before luggage is returned. Full price of the fare must be charged to the card or Scene+ points.	Delays occurring on the return trip home. Expenses incurred after luggage is returned. Money, securities, and tickets.
rental car Start Claim	✅ Yes	Actual Cash Value	Must initiate rental and pay entire cost with card or Scene+ points. Must decline the rental agency's collision/loss damage waiver. Only one vehicle covered at a time. Coverage limited to vehicle actual cash value plus loss of use.	Trucks, pick-up trucks, or vans (other than minivans). Off-road vehicles, motorcycles, or mopeds. Campers, trailers, or RVs. Vehicles over $65,000 MSRP. Antique cars (over 20 years old). Third-party liability (injury to others).
cell phone protection	❌ No	—	—	—
purchase protection Start Claim	✅ Yes	Purchase Price	Full purchase price must be charged to the card or Scene+ points. Covered for loss, theft, or damage. Must notify administrator within 90 days of loss.	Cash, travelers cheques, or tickets. Animals or living plants. Motorized vehicles and parts. Business or commercial items. Mysterious disappearance. Wear and tear.
extended warranty Start Claim	✅ Yes	Purchase Price	Doubles original manufacturer's warranty up to 1 extra year. Full purchase price must be charged to the card or Scene+ points. Must register warranties of 5 years or more within first year.	Motorized vehicles. Used items. Items for business use. Aircraft.

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