The Platinum Card® from American Express - CA

The Platinum Card® from American Express - CA

Annual Fee: $799

Issuer: American Express

Policy Version: July 2025

Last Updated: 2026-02-08

Policy Information

Claims Contact

website: https://info.submitclaims.client.insure
phone domestic: 1-800-243-0198
phone international: +905-475-4822

Global Limits

who is covered: Cardmember, Spouse, Dependent Children
trip duration limit: 15 days

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 Must call Global Excel before receiving emergency services Coverage available for the first 15 consecutive days of a trip Must be age 64 or under on the departure date Must contact Global Excel immediately for assistance	Medical conditions that were not stable in the 90 days before departure Conditions requiring home oxygen or oral steroids for lung conditions Routine pre-natal care or pregnancy complications 9 weeks before/after due date Professional sports, motorized races, or high-risk activities like scuba diving without certification Travel against physician advice or to a region with a travel advisory
travel accident Start Claim	✅ Yes	$500,000	Fare must be charged to the American Express Card Loss must occur within 100 days of the accident Covers injury while riding as a passenger in a Common Carrier Pays for loss of life or dismemberment Presumption of death if body not found within 52 weeks	Suicide or self-inflicted injury War or acts of war Criminal offenses Serving as operator or crew member Injury involving rental vehicles
trip cancellation Start Claim	✅ Yes	$2,500 per person / $5,000 total	Must be a Canadian resident Only prepaid travel arrangements charged to the Card are covered Must cancel with travel supplier immediately (no later than next business day) Points redemption covered only if using Membership Rewards Reimburses non-refundable and non-transferable expenses	Medical conditions not stable in the 90 days before effective date Pregnancy or birth within 9 weeks of expected delivery Known reasons that might prevent travel at time of booking Professional sports, motorized racing, or high-risk activities Travel to visit an ailing person who is the cause of the claim
trip interruption Start Claim	✅ Yes	$2,500 per person / $6,000 total	Covers extra cost of economy transportation to return home or rejoin trip Covers out-of-pocket expenses up to $1,000 Must notify Global Excel immediately Medical conditions must be stable 90 days before departure Coverage begins on departure date	Medical conditions not stable in the 90 days before departure Travel purchased after departure Illegal activity or self-inflicted injury War, rebellion, or military service Travel to a region with a pre-existing government advisory
trip delay Start Claim	✅ Yes	$1,000	Full fare must be charged to the Card or paid with Membership Rewards points Delay must be 4 hours or more No alternative transportation made available within 4 hours Covers reasonable living expenses and sundry items Applies to missed connections, delayed flight departure, or denied boarding	Alternate travel arrangements made by the insured (except taxi/rideshare) Illegal activity or criminal acts War or acts of war Terrorism Failure of devices to interpret date/time correctly
lost baggage Start Claim	✅ Yes	$1,000	Full fare of airline ticket must be charged to the Card Covers loss or damage to baggage while in transit Coverage ends when baggage is unloaded Maximum payable is $1,000 combined for all insured persons Jewellery limited to $300 per occurrence	Cameras, electronics, laptops, and cell phones Cash, securities, tickets, or documents Sporting equipment (except golf, ski, and racquet equipment) Perishable items, animals, and furs Confiscation by government or customs officials
delayed baggage Start Claim	✅ Yes	$1,000	Baggage not delivered within 6 hours of arrival Purchases must be made within 4 days of arrival Covers essential clothing and sundry items Full fare must be charged to the Card Aggregate limit of $1,000 combined with Flight Delay benefits	Delay on a flight returning to the insured's place of residence Illegal activity or criminal acts War or acts of war Terrorism
rental car Start Claim	✅ Yes	Actual Cash Value up to $85,000 MSRP	Must charge full cost of rental to the Card Must decline the rental agency's Collision Damage Waiver (CDW) Coverage limits to one vehicle rented at a time Must check vehicle for damage before and after rental Must report damage/theft within 48 hours	Vehicles with MSRP over $85,000 Trucks, pick-up trucks, and cargo vans Off-road vehicles, motorcycles, and trailers Antique vehicles (over 20 years old) Driving while intoxicated or under influence of drugs
cell phone protection	❌ No	—	—	—
purchase protection Start Claim	✅ Yes	$1,000	At least a portion of the price must be charged to the Card Covers direct physical damage or theft Coverage is excess to other insurance Valid only for personal property (not business) Gifts are covered	Wear and tear Theft from motor vehicles Mysterious disappearance Cash, tickets, or documents Perishable goods and consumables Jewelry in baggage unless hand-carried
extended warranty Start Claim	✅ Yes	$10,000	Full purchase price must be charged to the Card Extends original manufacturer's warranty up to one additional year Original warranty must be valid in Canada or US Original warranty must be 5 years or less Item must be for personal use	Used, refurbished, or demo products Motorized vehicles (cars, boats, scooters, etc.) Business fixtures and property Jewelry Perishables and consumables Warranties exceeding 5 years

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