Scotiabank Passport® Visa Infinite Privilege* Card

Scotiabank Passport® Visa Infinite Privilege* Card

Annual Fee: $599

Issuer: Scotiabank

Policy Version: July 2024

Last Updated: 2026-02-08

Policy Information

Claims Contact

website: www.manulife.ca/scotia
phone domestic: 1-877-251-0941
phone international: 519-251-0941

Global Limits

who is covered: Cardmember, spouse, and eligible dependent children
trip duration limit: 31 days (under age 65), 10 days (age 65 or older)

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 (GHIP). Must contact the Administrator before seeking treatment. Coverage available for the first 31 days if under 65, or first 10 days if 65 or older. Failure to contact Administrator may result in paying 20% of eligible expenses. Top-up coverage is available for longer trips.	Pre-existing conditions not stable in the 90 days (under 75) or 180 days (75+) before departure. Non-essential travel if a government advisory is issued. Routine pre-natal or post-natal care. Pregnancy complications within 9 weeks of expected delivery. Participation in extreme sports like mountain climbing, parachuting, or bungee jumping.
travel accident Start Claim	✅ Yes	$500,000	Full cost of ticket must be charged to card or paid with Scene+ points. Injury must result in loss within 365 days. Covers accidental death or dismemberment while occupying common carrier.	Self-inflicted injuries. Illness or disease. Acts of war or terrorism. Piloting an aircraft. Criminal acts.
trip cancellation Start Claim	✅ Yes	$2,500 per person ($10,000 total)	Must cancel travel arrangements with supplier immediately when cause arises. Must notify Administrator within 48 hours of the cause for cancellation. Eligible expenses must be charged to the account or paid with Scene+ points. Reimbursement limited to non-refundable prepaid expenses.	Pre-existing conditions not stable in the 90 days (under 75) or 180 days (75+) before booking. Travel advisories issued before booking. Known events that could prevent travel. Pregnancy complications within 9 weeks of expected delivery. Mental or emotional disorders.
trip interruption Start Claim	✅ Yes	$5,000 per person ($25,000 total)	Must notify Administrator immediately when cause arises. Covers additional transport costs to return home or rejoin trip. Covers unused portion of non-refundable expenses. Includes Trip Disruption benefits for missed connections due to specific causes.	Pre-existing conditions not stable in the 90 days (under 75) or 180 days (75+) before booking. Travel advisories issued before departure. Pregnancy complications within 9 weeks of expected delivery. Participation in extreme sports. Alcohol or drug abuse.
trip delay Start Claim	✅ Yes	$1,000	Flight must be delayed by at least 4 hours. No alternative transportation made available within 4 hours. Full cost of the flight must be charged to the card or paid with Scene+ points. Covers hotel, meals, refreshments, and sundry items. Includes $100 for entertainment.	Criminal offences or illegal acts. Acts of war. Losses paid by other insurance (this is second payor insurance).
lost baggage Start Claim	✅ Yes	$2,500 per person ($5,000 combined max)	Full cost of ticket must be charged to the card or paid with Scene+ points. Baggage must be checked with a common carrier. Must notify Administrator within 90 days of loss. Must provide police or carrier report.	Money, securities, credit cards. Cameras and electronic equipment. Sporting equipment (except golf and ski gear). Art objects and antiques. Baggage not checked.
delayed baggage Start Claim	✅ Yes	$1,000	Baggage delayed more than 4 hours from arrival. Items must be purchased within 4 days of arrival. Coverage ends when baggage is returned. Full cost of ticket must be charged to card or paid with Scene+ points.	Delays on return flight to home province. Expenses incurred after baggage return. Money, securities, tickets. Losses from criminal acts.
rental car Start Claim	✅ Yes	Up to actual cash value	Must decline rental agency's CDW/LDW. Full cost of rental must be charged to card or paid with Scene+ points. Rental period must not exceed 48 days. Limited to one vehicle rental at a time. Must inspect vehicle for damage before taking possession.	Trucks and pick-up trucks. Vans (other than minivans). Off-road vehicles. Motorcycles and mopeds. Vehicles over $85,000 MSRP.
cell phone protection Start Claim	✅ Yes	$1,000 Ded: $25 to $100 depending on price	Must purchase new device and charge full price to account, OR Fund device through a plan and pay all monthly bills with the account. Coverage limited to 2 years from purchase. Depreciation of 2% per month applies. Deductible applies based on purchase price.	Accessories and batteries. Devices for resale or commercial use. Refurbished or used devices. Mysterious disappearance. Theft from baggage unless hand-carried.
purchase protection Start Claim	✅ Yes	Purchase price (Lifetime max $60,000 combined)	Full purchase price must be charged to card or paid with Scene+ points. Items must be new personal property. Covers loss, theft, or damage. Gifts are covered.	Cash, tickets, negotiable instruments. Animals and living plants. Perishables (food, liquor). Motorized vehicles and parts. Used or pre-owned items. Jewelry in baggage not under personal supervision.
extended warranty Start Claim	✅ Yes	Purchase price (Lifetime max $60,000 combined)	Triples original manufacturer's warranty up to 2 additional years. Full purchase price must be charged to card or paid with Scene+ points. Must register items with warranties of 5 years or more within 1 year. Valid only on warranties valid in Canada or US.	Motorized vehicles and parts. Used or refurbished items. Items for business use. Living plants.

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