Scotiabank® Platinum American Express® Card

Scotiabank® Platinum American Express® Card

Annual Fee: $399

Issuer: Scotiabank

Policy Version: July 2022

Last Updated: 2026-02-08

Policy Information

Claims Contact

website: www.manulife.ca/scotia
phone domestic: 1-877-391-7507
phone international: 416-572-3636

Global Limits

who is covered: Cardmember, Spouse, Dependent Children
trip duration limit: 31 days (under 65) / 10 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) Account must be in good standing Coverage extends for up to 3 days after a medical emergency ends Coverage ends if absent for more than 10 consecutive days if residing in province/territory	Pre-existing conditions that were not stable (180 days for under 75, 365 days for 75+) Pregnancy or childbirth complications within 9 weeks of expected delivery Participating in professional or dangerous sports like scuba diving without certification Any medical emergency occurring during a trip meant for working outside Canada Injuries sustained while under the influence of drugs or alcohol
travel accident Start Claim	✅ Yes	$500,000	Must be occupying a common carrier (plane, train, bus, ship) Includes travel to and from the terminal Death presumed if body not found within one year	Suicide or self-inflicted injuries Disease or illness Pregnancy or childbirth Declared or undeclared war Serving as crew of an aircraft
trip cancellation Start Claim	✅ Yes	$2,500 per person / $10,000 per trip	Must cancel travel arrangements as soon as cause arises Must notify administrator within 48 hours Coverage limited to cancellation penalties in effect on date cause arose	Pre-existing medical conditions (180 days <75, 365 days 75+) Pregnancy complications within 9 weeks of due date Intentionally self-inflicted injuries or suicide Travel to a region with a government travel advisory issued before booking Alcohol or drug use
trip interruption Start Claim	✅ Yes	$5,000 per person / $25,000 per trip	Must notify administrator immediately Covers unused non-refundable expenses and return transport Based on medical advice that travel cannot continue	Pre-existing medical conditions Pregnancy complications within 9 weeks of due date Participation in professional or dangerous sports Alcohol or drug use War or acts of terrorism
trip delay Start Claim	✅ Yes	$1,000	Flight must be delayed by 4 hours or more No alternative transportation made available within 4 hours Expenses must be incurred within 48 hours of delay Covers hotel, meals, refreshments, and essential items	Criminal or fraudulent acts War, civil war, or rebellion Warlike acts by government or military force
lost baggage Start Claim	✅ Yes	$1,000	Item must be permanently misdirected or stolen Payment based on actual replacement cost if replaced, otherwise cash value	Animals Cameras and electronic equipment Sporting equipment Money, securities, and credit cards Art objects and business items Luggage not checked
delayed baggage Start Claim	✅ Yes	$1,000	Items must be purchased before luggage is returned Must be purchased within 96 hours of arrival Covers essential clothing and toiletries	Losses occurring on return home Expenses incurred after luggage is returned Money, securities, and tickets Criminal acts
rental car Start Claim	✅ Yes	$65,000	Must decline rental agency's collision/loss damage waiver Rental must be in Cardmember's name Only one vehicle covered at a time Covers loss of use and towing charges	Trucks, pick-up trucks, and off-road vehicles Vans (except mini-vans) Vehicles over $65,000 MSRP Motorcycles or trailers Intoxication or narcotic use Driving on unmaintained roads
cell phone protection Start Claim	✅ Yes	$1,000 Ded: Variable based on price ($25 - $100)	Must be a new device Coverage starts 30 days after purchase or first bill payment Device depreciates 2% per month Max 2 claims in 48 months	Accessories and batteries Devices for resale or professional use Refurbished devices Cosmetic damage Theft from baggage unless hand-carried Software issues
purchase protection Start Claim	✅ Yes	Purchase Price	New items only Lifetime liability limit of $60,000 combined with Extended Warranty Gifts are covered	Travelers cheques, cash, or tickets Animals and living plants Food and perishables Motorized vehicles and parts Items for business use Jewelry in checked baggage
extended warranty Start Claim	✅ Yes	Purchase Price	Doubles original manufacturer's warranty Must register items with warranty over 5 years Lifetime liability limit of $60,000	Motorized vehicles Used items Items for business use Dealer or assembler warranties

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