🇨🇦 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
Conditions
- • 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.
Exclusions
- × 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.
Conditions
- • 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.
Exclusions
- × Self-inflicted injuries.
- × Illness or disease.
- × Acts of war or terrorism.
- × Piloting an aircraft.
- × Criminal acts.
Conditions
- • 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.
Exclusions
- × 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.
Conditions
- • 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.
Exclusions
- × 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.
Conditions
- • 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.
Exclusions
- × Criminal offences or illegal acts.
- × Acts of war.
- × Losses paid by other insurance (this is second payor insurance).
Conditions
- • 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.
Exclusions
- × Delays on return flight to home province.
- × Expenses incurred after baggage return.
- × Money, securities, tickets.
- × Losses from criminal acts.
Conditions
- • 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.
Exclusions
- × Money, securities, credit cards.
- × Cameras and electronic equipment.
- × Sporting equipment (except golf and ski gear).
- × Art objects and antiques.
- × Baggage not checked.
Conditions
- • 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.
Exclusions
- × Trucks and pick-up trucks.
- × Vans (other than minivans).
- × Off-road vehicles.
- × Motorcycles and mopeds.
- × Vehicles over $85,000 MSRP.
Conditions
- • 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.
Exclusions
- × Accessories and batteries.
- × Devices for resale or commercial use.
- × Refurbished or used devices.
- × Mysterious disappearance.
- × Theft from baggage unless hand-carried.
Conditions
- • 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.
Exclusions
- × 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.
Conditions
- • 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.
Exclusions
- × Motorized vehicles and parts.
- × Used or refurbished items.
- × Items for business use.
- × Living plants.