Best Credit Cards with Travel Insurance

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The best credit cards for travel insurance in Canada provide important financial protection. They ensure you don’t have to worry about high costs from medical emergencies, trip cancellations, or delays.

Most cards require you to pay for your trip, or the taxes for point redemptions to qualify for the insurance. It is important to get familiar with exactly what your specific card offers before you book.

Different cards offer different levels of coverage with different limits. It is important to get familiar with exactly what your specific card has to offer before you book your travel. Most cards require you to pay for your trip, or the taxes for point redemptions to qualify for the insurance.

Here’re our hand-picked the best credit cards when looking for travel insurance in Canada for April 2026.

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What to Look for in Best Credit Cards with Travel Insurance

The best credit cards in Canada with travel insurance provide essential protection and help you earn points for nearly free travel.

These cards ensure you are covered for emergency medical costs and travel disruptions so you can focus on your trip instead of unexpected bills.

Emergency Medical Insurance

Emergency medical insurance is the most valuable benefit for Canadians travelling outside their home province.

The best credit cards in Canada with travel insurance offer between $1 million and $5 million in coverage.

This protects you from expensive hospital bills and doctors’ fees that provincial plans may not fully reimburse.

Trip Cancellation and Interruption

This insurance protects the money you’ve already spent on your trip.

If you have to cancel or come back early due to a covered reason, you can get your non-refundable costs back.

The best credit cards in Canada with travel insurance ensure your flights and hotels are protected when plans change.

Flight and Baggage Delay

Travel insurance is especially valuable during flight delays and cancellations.

While airlines have limited obligations for weather issues, your credit card’s trip delay benefit will reimburse you for food and hotels.

This keeps your out-of-pocket costs at zero while you wait for your next connection.

Car Rental Theft and Damage

The best credit cards in Canada with travel insurance allow you to decline the rental agency's expensive collision damage waiver.

This saves you money on every rental and provides peace of mind if the vehicle is damaged or stolen.

You just need to charge the full cost of the rental to your card to activate the coverage.

Summary of the Best Credit Cards with Travel Insurance

When looking at travel insurance, the best credit cards provide critical medical and trip protection for every trip. These cards fit different travel styles and make it simple to stay protected whenever you travel.

The value of the insurance benefits easily outweighs the annual fee. Having comprehensive coverage built into your card saves you from buying expensive third-party policies every time you fly.

Best Luxury Business Travel Card
American Express Business Platinum Card
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Terms & Conditions apply
With the American Express Business Platinum Card, you’ll get premium travel insurance and purchase coverage, including:
Travel Medical Insurance: Up to $5,000,000 for the first 15 days if you’re under 65.
Trip Cancellation: Up to $2,500 per person and $5,000 total per trip.
Trip Interruption: Up to $2,500 per person and $6,000 total per trip.
Common Carrier Travel Accident Insurance: Up to $500,000.
Flight Delays: Up to $1,000 total per trip if your flight is delayed more than 4 hours.
Delayed or Lost/Stolen Baggage: Up to $1,000 total per trip if your baggage is delayed for 6 hours or more.
Auto Rental Collision/Loss Damage Insurance: Comprehensive coverage for vehicles up to $85,000 MSRP.
Hotel/Motel Burglary: Up to $1,000 per occurrence.
You’ll also get valuable purchase protection when you pay with your American Express Business Platinum Card:
Extended Warranty: Doubles the manufacturer’s warranty up to one additional year.
Purchase Protection: Covers items for 90 days.
Please review the card’s insurance certificate for complete details, terms, conditions, and eligibility.
Welcome Points: 120,000
Welcome Value: $5,100
Annual Fee: $799
Best Luxury Travel Card
American Express Platinum Rewards Card
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Terms & Conditions apply
With the American Express Platinum Rewards Card, you’ll get premium travel insurance and purchase coverage, including:
Travel Medical Insurance: Up to $5,000,000 for the first 15 days if you’re under 65.
Trip Cancellation: Up to $2,500 per person and $5,000 total per trip.
Trip Interruption: Up to $2,500 per person and $6,000 total per trip.
Common Carrier Travel Accident Insurance: Up to $500,000.
Flight Delays: Up to $1,000 total per trip if your flight is delayed more than 4 hours.
Delayed or Lost/Stolen Baggage: Up to $1,000 total per trip if your baggage is delayed for 6 hours or more.
Auto Rental Collision/Loss Damage Insurance: Comprehensive coverage for vehicles up to $85,000 MSRP.
Hotel/Motel Burglary: Up to $1,000 per occurrence.
You’ll also get valuable purchase protection when you pay with your American Express Platinum Rewards Card:
Extended Warranty: Doubles the manufacturer’s warranty up to one additional year.
Purchase Protection: Covers items for 90 days.
Please review the card’s insurance certificate for complete details, terms, conditions, and eligibility.
Welcome Points: 100,000
Welcome Value: $4,884
Annual Fee: $799
Best Premium Aeroplan Card
TD Aeroplan Visa Infinite Privilege Card
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Terms & Conditions apply
With the TD Aeroplan Visa Infinite Privilege Card, you’ll get solid travel insurance coverage for you and your household, including:
Travel Medical Insurance: Up to $5,000,000 for the first 21 days if you’re under 64, or 4 days if you’re 65 or older.
Trip Cancellation: Up to $2,500 per person and $5,000 total per trip.
Trip Interruption: Up to $5,000 per person and $25,000 total per trip.
Common Carrier Travel Accident Insurance: Up to $500,000.
Flight Delays: Up to $1,000 if your flight is delayed more than 4 hours.
Delayed or Lost/Stolen Baggage: Up to $2,500 per person for essential purchases if your baggage is delayed for 6 hours or more.
Auto Rental Collision/Loss Damage Insurance: Comprehensive coverage for vehicles up to $85,000 MSRP.
Hotel/Motel Burglary: Up to $2,500 per occurrence.
You’ll also get valuable purchase protection when you pay with your TD Aeroplan Visa Infinite Privilege Card:
Extended Warranty: Doubles the manufacturer’s warranty up to one additional year.
Purchase Protection: Covers items for 90 days.
Mobile Device Insurance: Up to $1,500 of coverage for one year in case of theft, loss, or damage.
Please review the card’s insurance certificate for complete details, terms, conditions, and eligibility.
Welcome Points: 85,000
Welcome Value: $3,580
Annual Fee: $599
Best for no FX fees & occasional lounge access
Scotiabank Passport Visa Infinite Card
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Terms & Conditions apply
With the Scotiabank Passport Visa Infinite Card, you’ll get comprehensive travel insurance and purchase coverage, including:
Travel Medical Insurance: Up to $2,000,000 for the first 25 days if you’re under 65 (3 days if you are 65 or older).
Trip Cancellation: Up to $1,500 per person and $10,000 total per trip.
Trip Interruption: Up to $2,500 per person and $10,000 total per trip.
Common Carrier Travel Accident Insurance: Up to $500,000.
Flight Delays: Up to $500 total per trip if your flight is delayed more than 4 hours.
Delayed or Lost/Stolen Baggage: Up to $1,000 total per trip for delayed or lost luggage.
Auto Rental Collision/Loss Damage Insurance: Comprehensive coverage for vehicles up to $65,000 MSRP for up to 48 days.
Hotel/Motel Burglary: Up to $1,000 per occurrence.
You’ll also get valuable purchase protection when you pay with your Scotiabank Passport Visa Infinite Card:
Extended Warranty: Doubles the manufacturer’s warranty up to one additional year.
Purchase Protection: Covers items for 90 days against theft, loss, or damage.
Please review the card’s insurance certificate for complete details, terms, conditions, and eligibility
Welcome Points: 60,000 Scene+
Welcome Value: $1,320
Annual Fee: $150
Best Primeum Aeroplan Business Card
American Express Aeroplan Business Reserve Card
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Terms & Conditions apply
With the American Express Aeroplan Business Reserve Card, you’ll get solid travel insurance coverage for you and your household, including:
Travel Medical Insurance: Up to $5,000,000 for the first 15 days if you’re under 65.
Trip Cancellation: Up to $1,500 per person and $3,000 total per trip.
Trip Interruption: Up to $1,500 per person and $6,000 total per trip.
Common Carrier Travel Accident Insurance: Up to $500,000.
Flight Delays: Up to $1,000 total per trip if your flight is delayed more than 4 hours.
Delayed or Lost/Stolen Baggage: Up to $1,000 total per trip if your baggage is delayed for 6 hours or more.
Auto Rental Collision/Loss Damage Insurance: Comprehensive coverage for vehicles up to $85,000 MSRP.
Hotel/Motel Burglary: Up to $1,000 per occurrence.
You’ll also get valuable purchase protection when you pay with your American Express Aeroplan Business Reserve Card:
Extended Warranty: Doubles the manufacturer’s warranty up to one additional year.
Purchase Protection: Covers items for 90 days.
Please review the card’s insurance certificate for complete details, terms, conditions, and eligibility.
Welcome Points: 90,000
Welcome Value: $3,380
Annual Fee: $599
Best for occasional lounge access
American Express Gold Rewards Card
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Terms & Conditions apply
With the Express Gold Rewards Card, you’ll get comprehensive travel insurance and purchase coverage, including:
Travel Medical Insurance: Up to $5,000,000 for the first 15 days if you’re under 65.
Trip Cancellation: Up to $1,500 per person and $3,000 total per trip.
Trip Interruption: Up to $1,500 per person and $6,000 total per trip.
Common Carrier Travel Accident Insurance: Up to $500,000.
Flight Delays: Up to $500 total per trip if your flight is delayed more than 4 hours.
Delayed or Lost/Stolen Baggage: Up to $500 total per trip if your baggage is delayed for 6 hours or more.
Auto Rental Collision/Loss Damage Insurance: Comprehensive coverage for vehicles up to $85,000 MSRP.
Hotel/Motel Burglary: Up to $500 per occurrence.
You’ll also get valuable purchase protection when you pay with your Express Gold Rewards Card:
Extended Warranty: Doubles the manufacturer’s warranty up to one additional year.
Purchase Protection: Covers items for 90 days.
Please review the card’s insurance certificate for complete details, terms, conditions, and eligibility.
Welcome Points: 60,000
Welcome Value: $2,190
Annual Fee: $250

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New to Points? Start Here

From points newbie to booking your first trip

Learn everything you need to know to start using credit cards, points, and travel loyalty programs. Make your first redemption with points for nearly free travel.

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