Have you ever heard that you can buy travel insurance with your credit card? This is true, but not every card offers this benefit.
So if you have a trip in your plans and you still don’t know which travel insurance credit card to choose, we’ve got you covered. Here’s a breakdown of the best travel insurance credit cards in Canada.
Compare coverage, prices, and benefits with regular travel insurance and see if it’s worth hiring for your next trip.

1. Scotiabank Passport Visa Infinite Card

No doubt, the Scotiabank Passport Visa Infinite Card offers one of the best all-in-one travel rewards cards in Canada.

With the card, you have access to emergency medical insurance up to 75 years old. You will hardly see credit cards that cover people over 65 years in Canada. This card, however, exceeds expectations by providing emergency medical insurance to cardholders over the age of 75. If you are over 75, the emergency medical insurance protects you for up to 3 days. For those under 65, you are protected for up to 25 days each trip.

That’s not all; the card also offers over five types of insurance to make your travel stress free.

Here is a summary of the coverages:

• Flight Delay up to $500
• Baggage Delay up to $1,000
• Travel Accident up to $500,000
• Trip Cancellation/interruption: up to $1,500
• Lost or Stolen Baggage/Hotel Burglary up to $1,000

Click here to Apply or learn more about the Scotiabank Passport Visa Infinite Card

2. Scotiabank Gold American Express

You can get over seven different types of insurance coverages with the Scotiabank Gold American Express. With this level of coverage, you will be protected against travel delays like canceled flights and misplaced luggage, which can weigh heavily on any trip. Most crucially, the extra extended warranty included with this card doubles or extended the manufacturer’s warranty coverage by one year.

Here is a summary of the coverages:

• Travel accident up to $500,000
• Travel medical up to $1 million
• Trip interruption up to $1,500 per person
• Flight delays up to $500 per person
• Lost baggage up to $1,000 per trip
• Delayed baggage up to $1,000 per trip (If the delay is more than 4 hours)

Click here to Apply or learn more about the Scotiabank Gold American Express

3. The Platinum Card from American Express

The Platinum Card from American Express offers one of the best travel insurance in Canada. However, it comes with a hefty annual fee of $699. The cards offer up to 15 different forms of insurance. No other credit card offers as many benefits. Although this may be due to its annual fee.

Unlike most credit cards, this one does not provide three months of purchase protection. Instead, this card comes with 4-month purchase security. This means that this plan automatically protects most new things purchased anywhere globally for 120 days from the date of purchase.

Here is a summary of the coverages:

• Travel Accident up to $500,000
• Trip Cancellation up to $2,500
• Trip Interruption up to $1,500
• Flight Delay/ Baggage Delay up to $1,000
• Lost or Stolen Baggage up to $1,000
• Hotel Burglary up to $1,000

Click here to Apply

4. MBNA Rewards Platinum Plus Mastercard

If you want a no annual fee credit card with travel insurance, then the MBNA Rewards Platinum Plus Mastercard has no match. However, the travel insurance offered by this card is somewhat limited compared to the premium cards listed above. Nevertheless, it can still be an excellent option for frequent travelers because the card has no annual fee.

Here is a summary of the coverages:

• Mobile Device Insurance up to $1,000
• Rental Car Accident up to $2,000,000
• Unexpected Return Home up to $2,000
• Rental Car Personal Effects up to $1,000
• Travel Accident up to $1,000,000

Click here to Apply or learn more about the MBNA Rewards Platinum Plus Mastercard.

In conclusion

Travel insurance credit cards are generally offered for cards in the premium category. Of course, the higher the category, the greater the coverage offered. However, some low income cards like MBNA Rewards Platinum Plus Mastercard offer travel insurance for cardholders but are not as comprehensive as the premium cards.

Regardless of the card you choose, make sure you understand all the rules of use and insurance restrictions to enjoy the card’s benefits.