🇨🇦 The Platinum Card® from American Express - CA

Conditions

• • 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

Exclusions

• × 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

Conditions

• • 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

Exclusions

• × Suicide or self-inflicted injury
• × War or acts of war
• × Criminal offenses
• × Serving as operator or crew member
• × Injury involving rental vehicles

Conditions

• • 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

Exclusions

• × 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

Conditions

• • 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

Exclusions

• × 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

Conditions

• • 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

Exclusions

• × 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

Conditions

• • 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

Exclusions

• × Delay on a flight returning to the insured's place of residence
• × Illegal activity or criminal acts
• × War or acts of war
• × Terrorism

Conditions

• • 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

Exclusions

• × 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

Conditions

• • 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

Exclusions

• × 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

Conditions

Exclusions

Conditions

• • 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

Exclusions

• × Wear and tear
• × Theft from motor vehicles
• × Mysterious disappearance
• × Cash, tickets, or documents
• × Perishable goods and consumables
• × Jewelry in baggage unless hand-carried

Conditions

• • 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

Exclusions

• × Used, refurbished, or demo products
• × Motorized vehicles (cars, boats, scooters, etc.)
• × Business fixtures and property
• × Jewelry
• × Perishables and consumables
• × Warranties exceeding 5 years