Travel protection

The benefits and coverage listed below vary by credit card. Please view the card benefits page for more information.

Inclusive Travel Medical Insurance

Coverage is for the first 15 days of each trip outside your province or territory of residence.

Coverage is up to $2,000,000, per insured person and includes:
  • Hospital inpatient room and board charges, up to semi-private ward or the equivalent
  • Emergency medical treatment (including x-rays and lab) and prescription drugs prescribed because of an emergency condition (limited to a 30 day supply)
  • Up to $350 per profession for professional fees for emergency medical treatment by a licensed physiotherapist, chiropractor, chiropodist or podiatrist
  • Emergency treatment of eligible dental expenses (including x-rays and lab); also covers up to $250 to relieve dental pain
  • Emergency medical transportation to an appropriate medical facility, subject to any required authorization
  • Return the insured person to their province or territory of residence following emergency medical treatment, if our administrator's consulting physician determines the insured person is medically able to and recommends the return home
  • Family member or friend transportation to bedside if the insured person is travelling alone and hospitalized as an inpatient for more than 3 consecutive days
  • Up to $5,000 for repatriation of remains to the insured person's city of residence
  • Return of dependent children if insured person is hospitalized more than 24 hours or must return to Canada due to their emergency medical condition covered under this insurance
  • Up to $2,000 for return of vehicle to the insured person's residence or rental agency, subject to any required authorization
Emergency Travel Assistance Services
24-hour assistance to:
  • Confirm emergency medical coverage and direct insured person to medical facility
  • Arrange and pay for covered emergency medical transportation services
  • Keep in contact with insured person and their treating physician
  • Provide travel document and ticket replacement assistance
  • Provide assistance to find a local legal advisor
  • Provide emergency cash transfers of up to $5,000 under certain circumstances
  • Provide emergency messaging assistance
Coverage applies to:
  • Primary cardholder
  • His/her spouse
  • Eligible dependent children
Who meet the following eligibility requirements:
  • Resident of Canada
  • Covered under a Government Health Insurance Plan for the full duration of the coverage period
  • Under age 75 at the time of card activation or on annual renewal date; and
  • Not employed outside of Canada on a full or part-time basis

Optional extension of coverage is available by calling toll-free 1-866-520-8827 from anywhere in Canada or the United States, or collect from anywhere in the world at 519-742-9356. The additional coverage may require the completion of a medical questionnaire.
Please note this is not a certificate of insurance. All benefits and coverages outlined above are subject to terms, conditions, exclusions and limitations , including a pre-existing condition exclusion, that are fully described in the certificate of insurance that accompanies your credit card. The day of departure from and the day of return to your province of residence each count as one full day. In the event of a conflict between the description above and the certificate of insurance, the certificate of insurance shall govern. Coverage is underwritten by TD Life Insurance Company. Allianz Global Assistance is the administrator of the inclusive travel medical program.

Allianz Global Assistance
Toll free: 1-866-520-8827
Collect: 519-742-9356


The Certificate of Insurance contains a complete list of benefits, eligibility, exclusions and limitations
MasterTrip
Trip Cancellation Insurance
  • Charge at least 75% of your trip to your MasterCard Card
  • Applies if you, a family member, or a travelling companion falls ill, experiences serious injuries or passes on unexpectedly, requiring you to cancel your tickets at the last minute
  • Coverage applies to cardholders and your spouse 69 years of age and under, and dependent children travelling with you
  • Tickets will be refunded up to $3,000 per account per trip
Accidental Death Insurance
  • $1,000 will be paid to your beneficiary if you sustain accidental bodily injury causing death
Common Carrier Travel Accident Insurance
  • Up to $500,000 coverage when you purchase your ticket with your MasterCard card
Baggage Delay
  • Up to $300 for expenses for emergency purchase of essential items when baggage is delayed or misdirected for more than 24 hours
Unexpected Return Home Benefits
  • In the event of a death in your immediate family, you are covered for up to $2,000 for return travel
Emergency Assistance Services
  • Emergency cash transfer
  • Lost document and ticket replacement
  • Lost luggage assistance
  • Pre-trip information

Insurance benefits are underwritten by American Bankers Insurance Company of Florida and/or American Bankers Life Assurance Company of Florida, Assurant SolutionsTM companies
Toll free 1-800-315-2051
Collect 905-305-4255
Details of your coverage, including terms, conditions, limitations and exclusions, are in the Certificate of Insurance provided with your card.