🇨🇦 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
Conditions
- • 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
Exclusions
- × 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
Conditions
- • 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
Exclusions
- × Suicide or self-inflicted injuries
- × Disease or illness
- × Pregnancy or childbirth
- × Declared or undeclared war
- × Serving as crew of an aircraft
Conditions
- • 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
Exclusions
- × 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
Conditions
- • Must notify administrator immediately
- • Covers unused non-refundable expenses and return transport
- • Based on medical advice that travel cannot continue
Exclusions
- × 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
Conditions
- • 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
Exclusions
- × Criminal or fraudulent acts
- × War, civil war, or rebellion
- × Warlike acts by government or military force
Conditions
- • Items must be purchased before luggage is returned
- • Must be purchased within 96 hours of arrival
- • Covers essential clothing and toiletries
Exclusions
- × Losses occurring on return home
- × Expenses incurred after luggage is returned
- × Money, securities, and tickets
- × Criminal acts
Conditions
- • Item must be permanently misdirected or stolen
- • Payment based on actual replacement cost if replaced, otherwise cash value
Exclusions
- × Animals
- × Cameras and electronic equipment
- × Sporting equipment
- × Money, securities, and credit cards
- × Art objects and business items
- × Luggage not checked
Conditions
- • 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
Exclusions
- × 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
Conditions
- • 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
Exclusions
- × Accessories and batteries
- × Devices for resale or professional use
- × Refurbished devices
- × Cosmetic damage
- × Theft from baggage unless hand-carried
- × Software issues
Conditions
- • New items only
- • Lifetime liability limit of $60,000 combined with Extended Warranty
- • Gifts are covered
Exclusions
- × Travelers cheques, cash, or tickets
- × Animals and living plants
- × Food and perishables
- × Motorized vehicles and parts
- × Items for business use
- × Jewelry in checked baggage
Conditions
- • Doubles original manufacturer's warranty
- • Must register items with warranty over 5 years
- • Lifetime liability limit of $60,000
Exclusions
- × Motorized vehicles
- × Used items
- × Items for business use
- × Dealer or assembler warranties