{"id":87931,"date":"2025-10-27T12:30:00","date_gmt":"2025-10-27T16:30:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/news\/credit-card-insurance-award\/"},"modified":"2026-05-08T15:52:47","modified_gmt":"2026-05-08T15:52:47","slug":"best-cards-credit-rewards-insurance","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/best-cards-credit-rewards-insurance\/","title":{"rendered":"Insurance: The Best Credit Cards for Travel Insurance When Using Rewards Points"},"content":{"rendered":"\n<p>Credit cards with travel insurance offer a significant advantage. If the coverage meets the traveller&#8217;s needs, it can even eliminate the need to purchase separate insurance. In addition to the rewards or points they offer, these cards provide comprehensive protection: travel insurance, cancellation insurance, purchase protection, car rental insurance, and more.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-credit-card-travel-insurance\">Credit Card Travel Insurance<\/h2>\n\n\n\n\n\n<p>When you received your credit card, you likely also received your insurance coverage booklet. Otherwise, it can be easily found on your financial institution&#8217;s website.<\/p>\n\n\n\n<p>Ideally, you should refer to your insurance booklet before deciding to use this card to book your trip. In fact, all credit cards have different types of coverage related to:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Cardholder&#8217;s age<\/li>\n\n\n\n<li>Covered individuals and destinations visited<\/li>\n\n\n\n<li>Coverage duration and length of absence from the province<\/li>\n\n\n\n<li>Type and cost of the rental car<\/li>\n\n\n\n<li>Number of hours of flight and baggage delay<\/li>\n<\/ul><\/div>\n\n\n\n<p>One of the most important sections is the one concerning the eligibility of the covered trip, especially if you decide to pay for your trip with points.<\/p>\n\n\n\n<p>This is where you\u2019ll find the terms and conditions for most of your card\u2019s <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/snowbirds-saving-travel-insurance\/\">insurance coverage<\/a>.<\/p>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p>If you book a trip with a credit card and then close the account, you will no longer be eligible for the card&#8217;s insurance benefits.<\/p>\n\n\n\n<p>No card, no insurance!<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-different-conditions-for-travel-insurance-coverage\">Different Conditions for Travel Insurance Coverage<\/h3>\n\n\n\n<p>Some credit cards will require that you:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>75% or 100% of the trip paid with the credit card<\/li>\n<\/ul><\/div>\n\n\n\n<p>If the entire trip must be charged to the credit card, you will not be able to use reward points to be covered.<\/p>\n\n\n\n<p>Alternatively, the minimum required amount might be 75%, such as with the <a target=\"_blank\" title=\"Scotiabank Passport<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"\/go\/scotia-infinite-passeport\/\" rel=\"noindex\">Scotiabank Passport Visa Infinite + Card<\/a>. Therefore, to be covered by this public transit accident insurance, you must have paid at least 75% of your ticket price using:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Your credit card;<\/li>\n\n\n\n<li>Or your Scene+ points;<\/li>\n\n\n\n<li>Or a combination of both.<\/li>\n<\/ul><\/div>\n\n\n\n<p>So, if your ticket costs $100, you must have paid at least $75 with your card or points for the insurance to apply.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"631\" height=\"177\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/10\/travel-insurance-passport-scotia.png\" alt=\"Insurance: The Best Credit Cards for Travel Insurance When Using Rewards Points - assurance voyage scotia passeport\" class=\"wp-image-469059\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/10\/travel-insurance-passport-scotia.png 631w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/10\/travel-insurance-passport-scotia-450x126.png 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/10\/travel-insurance-passport-scotia-200x56.png 200w\" sizes=\"(max-width: 631px) 100vw, 631px\" \/><\/figure>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22642\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>Credit card travel insurance may allow points from the card&#8217;s linked rewards program to be used to pay for the trip. This is the case, for example, with the <a target=\"_blank\" class=\"thirstylink\" title=\"American Express<sup>&reg;<\/sup> Gold Rewards Card\" href=\"\/go\/amex-or\/\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a>: the insurance is valid if:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Membership Rewards points were used to pay for the trip;<\/li>\n\n\n\n<li>The trip was paid for with the credit card;<\/li>\n\n\n\n<li>The trip was paid for using a combination of cash and Membership Rewards points.<\/li>\n<\/ul><\/div>\n\n\n\n<p>However, you will not have insurance if you used a program other than Membership Rewards, such as Aeroplan, Scene+ or AIR MILES. American Express certainly encourages cardholders to use its own program.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"822\" height=\"331\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/10\/travel-insurance-amex-gold.png\" alt=\"Insurance: The Best Credit Cards for Travel Insurance When Using Rewards Points - assurance voyage amex or\" class=\"wp-image-469061\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/10\/travel-insurance-amex-gold.png 822w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/10\/travel-insurance-amex-gold-450x181.png 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/10\/travel-insurance-amex-gold-200x81.png 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/10\/travel-insurance-amex-gold-768x309.png 768w\" sizes=\"(max-width: 822px) 100vw, 822px\" \/><\/figure>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22620\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>Other cards will only require that a <strong>portion<\/strong> of the trip be paid for with the credit card. The \u201cpartial\u201d cost of a ticket can be paid with another type of points or miles.<\/p>\n\n\n\n<p>For example, here is the <a href=\"https:\/\/www.bnc.ca\/content\/dam\/bnc\/particuliers\/pdf\/hypotheque\/certificat-assurance-assistance-world-elite.pdf\" target=\"_blank\" rel=\"noopener\">insurance certificate<\/a> for the <a target=\"_blank\" title=\"National Bank World Elite Mastercard\" href=\"\/go\/bnc-world-elite\/\" rel=\"noindex\">National Bank World Elite Mastercard<\/a>, covering trip cancellation and interruption insurance:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"845\" height=\"286\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/10\/travel-insurance-national-bank.png\" alt=\"Insurance: The Best Credit Cards for Travel Insurance When Using Rewards Points - assurance voyage banque nationale\" class=\"wp-image-469064\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/10\/travel-insurance-national-bank.png 845w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/10\/travel-insurance-national-bank-450x152.png 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/10\/travel-insurance-national-bank-200x68.png 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/10\/travel-insurance-national-bank-768x260.png 768w\" sizes=\"(max-width: 845px) 100vw, 845px\" \/><\/figure>\n\n\n\n<p>It&#8217;s <strong>very important to read and understand<\/strong> your credit card insurance certificate. If you have any doubts, contact your card&#8217;s customer service.<\/p>\n\n\n\n<p>A single card may have different eligibility criteria for different coverages. These are nuances that can have major consequences if a problem arises.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"401432\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-general-rule-using-a-card-linked-to-a-rewards-program\">General Rule: Using a Card Linked to a Rewards Program<\/h2>\n\n\n\n<p>As a general rule, it is advisable to pay for your trip with:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>An AIR MILES credit card to cover a trip for which you used AIR MILES miles<\/li>\n\n\n\n<li>An Aeroplan credit card to cover a trip for which you used Aeroplan points<\/li>\n\n\n\n<li>A Membership Rewards credit card to cover a trip for which you used American Express Membership Rewards points<\/li>\n\n\n\n<li>and so on for each program<\/li>\n<\/ul><\/div>\n\n\n\n<p>So, if you use your BMO AIR MILES World Elite Mastercard, you will be covered in case of a problem during your trip paid for with AIR MILES miles. Here is <a href=\"https:\/\/www.bmo.com\/pdf\/AM_WE_Travel_Medical_Protection_Insurance_Certificate_Fr.pdf\" target=\"_blank\" rel=\"noopener\">the insurance certificate<\/a> for this card concerning the purchase of airline tickets with points from the linked program (here AIR MILES):<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"904\" height=\"294\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/10\/bmo-travel-insurance.png\" alt=\"Insurance: The Best Credit Cards for Travel Insurance When Using Rewards Points - assurance voyage air miles\" class=\"wp-image-469071\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/10\/bmo-travel-insurance.png 904w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/10\/bmo-travel-insurance-450x146.png 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/10\/bmo-travel-insurance-200x65.png 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/10\/bmo-travel-insurance-768x250.png 768w\" sizes=\"(max-width: 904px) 100vw, 904px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-specific-rule-cards-that-cover-all-situations\">Specific Rule: Cards That Cover All Situations<\/h2>\n\n\n\n<p>Only two credit cards allow you to be covered <strong>even if you only pay a portion of the trip with them<\/strong>!<\/p>\n\n\n\n<p>This means you can use Aeroplan points, pay the taxes and fees with this type of credit card, and still be covered by your credit card\u2019s insurance!<\/p>\n\n\n\n<p>Two credit cards stand out in Canada:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a class=\"thirstylink\" title=\"National Bank World Elite Mastercard\" href=\"https:\/\/mp-2702.milesopedia.dev\/cartes-de-credit\/carte-world-elite-mastercard-de-banque-nationale\/\">National Bank World Elite Mastercard<\/a><\/li>\n\n\n\n<li><a target=\"_blank\" class=\"thirstylink\" title=\"National Bank World Mastercard\" href=\"\/go\/bnc-world\/\">National Bank World Mastercard<\/a><\/li>\n<\/ul><\/div>\n\n\n\n<p>For the most part, these two credit cards cover the cost of your trip, whether you have paid for it in full or in part with your card. However, baggage delay insurance requires that <strong>the full cost of the flight<\/strong> was charged to the card. The same is true for car rental insurance.<\/p>\n\n\n\n<p>One of the major advantages for <strong>individuals aged 65 to 75<\/strong>: Out-of-province Emergency Medical Care Insurance coverage is included for a period of 15 days.<\/p>\n\n\n\n<p>Note that the credit card whose insurance most closely resembles that of the <a target=\"_blank\" title=\"National Bank World Elite Mastercard\" href=\"\/go\/bnc-world-elite\/\" rel=\"noindex\">National Bank World Elite Mastercard<\/a> is the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/desjardins-odyssee-world-elite-mastercard-review\/\" target=\"_blank\" rel=\"noopener\">Desjardins Odyssey<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup> Mastercard<\/a>. However, the difference is that the Desjardins credit card requires the entire payment to be charged to the card.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"401432,22654\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"437875\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-national-bank-credit-card-travel-insurance\">National Bank Credit Card Travel Insurance<\/h3>\n\n\n\n<p>For most included insurance coverages, the <a target=\"_blank\" title=\"National Bank World Elite Mastercard\" href=\"\/go\/bnc-world-elite\/\" rel=\"noindex\">National Bank World Elite Mastercard<\/a> and the <a target=\"_blank\" title=\"National Bank World Mastercard\" href=\"\/go\/bnc-world\/\" rel=\"noindex\">National Bank World Mastercard<\/a> are among the few credit cards in Canada that cover you even if you only charge a portion of the trip cost to them.<\/p>\n\n\n\n<p>In the case of travel, only baggage delay and car rental insurance require the full cost to be charged to the card.<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr style=\"height: 24px;\"><td class=\"has-text-align-center\" data-align=\"center\">Insurance<\/td><td class=\"has-text-align-center\" data-align=\"center\">Coverage<\/td><\/tr><\/thead><tbody><tr style=\"height: 47px;\"><td class=\"has-text-align-center\" data-align=\"center\">Emergency medical insurance<br>Out-of-province-of-residence<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to $5,000,000<br>per person (see details below regarding age and duration)<\/td><\/tr><tr style=\"height: 24px;\"><td class=\"has-text-align-center\" data-align=\"center\">Flight Cancellation<br>(before departure)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to $2,500<br>per insured person<\/td><\/tr><tr style=\"height: 24px;\"><td class=\"has-text-align-center\" data-align=\"center\">Trip Interruption Insurance<br>(after departure)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to $5,000<br>per insured person<\/td><\/tr><tr style=\"height: 47px;\"><td class=\"has-text-align-center\" data-align=\"center\">Flight delay<br>(over 4 hours)<\/td><td class=\"has-text-align-center\" data-align=\"center\">$500 per insured person<\/td><\/tr><tr style=\"height: 47px;\"><td class=\"has-text-align-center\" data-align=\"center\">Baggage insurance in case of delay<br>(over 6 hours)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to $500 per insured person<\/td><\/tr><tr style=\"height: 23px;\"><td class=\"has-text-align-center\" data-align=\"center\">Lost or Stolen Baggage Insurance<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to $1,000 per insured person<\/td><\/tr><tr style=\"height: 95px;\"><td class=\"has-text-align-center\" data-align=\"center\">Vehicle rental insurance<\/td><td class=\"has-text-align-center\" data-align=\"center\">Vehicle valued up to $65,000<\/td><\/tr><tr style=\"height: 47px;\"><td class=\"has-text-align-center\" data-align=\"center\">Purchase protection in the event of theft or damage<br>(180 days)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to $60,000<\/td><\/tr><tr style=\"height: 55px;\"><td class=\"has-text-align-center\" data-align=\"center\">Extended warranty<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to 2 additional years<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Medical, General, and Legal Assistance<\/td><td class=\"has-text-align-center\" data-align=\"center\">Included<\/td><\/tr><tr style=\"height: 95px;\"><td class=\"has-text-align-center\" data-align=\"center\">Insurance booklet<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p><a target=\"_blank\" href=\"https:\/\/www.bnc.ca\/content\/dam\/bnc\/particuliers\/pdf\/assurance\/certificat-713705-3.pdf\">National Bank World Elite Mastercard<\/a><\/p>\n\n\n\n<p><a target=\"_blank\" href=\"https:\/\/www.bnc.ca\/content\/dam\/bnc\/particuliers\/pdf\/assurance\/certificat-713705-3.pdf\">National Bank World Mastercard<\/a><\/p>\n<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n\n<p>The <a target=\"_blank\" title=\"National Bank World Elite Mastercard\" href=\"\/go\/bnc-world-elite\/\" rel=\"noindex\">National Bank World Elite Mastercard<\/a> and the <a target=\"_blank\" title=\"National Bank World Mastercard\" href=\"\/go\/bnc-world\/\" rel=\"noindex\">National Bank World Mastercard<\/a> offer different emergency medical travel protection based on:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>The person&#8217;s age<\/li>\n\n\n\n<li>The duration of their trip<\/li>\n<\/ul><\/div>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr style=\"height: 24px;\"><td class=\"has-text-align-center\" data-align=\"center\">Age<\/td><td class=\"has-text-align-center\" data-align=\"center\">Maximum trip time frame<\/td><\/tr><\/thead><tbody><tr style=\"height: 22px;\"><td class=\"has-text-align-center\" data-align=\"center\">54 and under<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>60 days<\/strong><\/td><\/tr><tr style=\"height: 24px;\"><td class=\"has-text-align-center\" data-align=\"center\">55 to 64<\/td><td class=\"has-text-align-center\" data-align=\"center\">31 days<\/td><\/tr><tr style=\"height: 24px;\"><td class=\"has-text-align-center\" data-align=\"center\">65-75 years old<\/td><td class=\"has-text-align-center\" data-align=\"center\">15 days<\/td><\/tr><tr style=\"height: 24px;\"><td class=\"has-text-align-center\" data-align=\"center\">76 years or older<\/td><td class=\"has-text-align-center\" data-align=\"center\">no coverage<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"401432,22654\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p>Few credit cards offer coverage of up to 60 days. In addition, coverage remains significant for people aged 65 to 75, for up to 15 days.<\/p>\n\n\n\n<p>If you need a longer duration, have a pre-existing condition, or are over 76 years old, I recommend getting quotes from <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/products\/sonomad-insurance-travel-affordable\/\" target=\"_blank\" rel=\"noopener\">SoNomad<\/a>, which specializes in these situations.<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bottom-line\">Bottom Line<\/h2>\n\n\n\n<p>As always, we advise you to carefully read each credit card&#8217;s insurance booklet before making a decision. It is <strong>your responsibility<\/strong> to contact your credit card issuer for clarification in case of doubt.<\/p>\n\n\n\n<p>Here are the different articles you can consult regarding credit card <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/everything-you-need-to-know-about-travel-insurance-in-canada\/\" target=\"_blank\" rel=\"noopener\">travel insurance<\/a>:<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"401432,22654\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-go-further-with-membership-rewards\">Go further with American Express Membership Rewards<\/h2>\n\n\n\n<p>To maximize your Membership Rewards earning, check our <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/membership-rewards-american-express\/\">complete American Express Membership Rewards program guide<\/a> and our <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/membership-rewards\/\">best American Express Membership Rewards credit cards ranking<\/a>, updated monthly by the Milesopedia team.<\/p>","protected":false},"excerpt":{"rendered":"<p>Are you looking for the best credit card in Canada for travel insurance with rewards points? Here are the best credit cards.<\/p>","protected":false},"author":3,"featured_media":469091,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[46377],"tags":[],"mc_loyalty_program":[741,743,690],"class_list":["post-87931","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","mc_loyalty_program-aeroplan-en","mc_loyalty_program-air-miles-en","mc_loyalty_program-american-express-membership-rewards","post_series-credit-cards-insurance","tutorial-insurance","travel_type-budget-travel"],"acf":{"mc_approved_badge":false,"mc_card_used":401432,"mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Insurance: The Best Credit Cards for Travel Insurance When Using Rewards Points | Milesopedia<\/title>\n<meta name=\"description\" content=\"Discover the top credit card for travel insurance in Canada when you use your rewards points to book flights, hotels, or car rentals.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/best-cards-credit-rewards-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Insurance: The Best Credit Cards for Travel Insurance When Using Rewards Points\" \/>\n<meta property=\"og:description\" content=\"Discover the top credit card for travel insurance in Canada when you use your rewards points to book flights, hotels, or car rentals.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/best-cards-credit-rewards-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"Milesopedia\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/milesopedia\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-27T16:30:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-08T15:52:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/07\/assurance-voyage-desjardins-croix-bleue-manuvie.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1002\" \/>\n\t<meta property=\"og:image:height\" content=\"600\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Jean-Maximilien Voisine\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@milesopedia\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jean-Maximilien Voisine\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/personal-finance\\\/insurance\\\/best-cards-credit-rewards-insurance\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/personal-finance\\\/insurance\\\/best-cards-credit-rewards-insurance\\\/\"},\"author\":{\"name\":\"Jean-Maximilien Voisine\",\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/#\\\/schema\\\/person\\\/910fb721150b290316f16836cc905cad\"},\"headline\":\"Insurance: The Best Credit Cards for Travel Insurance When Using Rewards Points\",\"datePublished\":\"2025-10-27T16:30:00+00:00\",\"dateModified\":\"2026-05-08T15:52:47+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/personal-finance\\\/insurance\\\/best-cards-credit-rewards-insurance\\\/\"},\"wordCount\":1231,\"publisher\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/personal-finance\\\/insurance\\\/best-cards-credit-rewards-insurance\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/wp-content\\\/uploads\\\/2023\\\/07\\\/assurance-voyage-desjardins-croix-bleue-manuvie.png\",\"articleSection\":[\"Insurance\"],\"inLanguage\":\"en-CA\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/personal-finance\\\/insurance\\\/best-cards-credit-rewards-insurance\\\/\",\"url\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/personal-finance\\\/insurance\\\/best-cards-credit-rewards-insurance\\\/\",\"name\":\"Insurance: The Best Credit Cards for Travel Insurance When Using Rewards Points - 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