These are the best credit cards for travel insurance in Canada for February 2026. They provide you with important financial protection. That way, you don’t have to worry about the high costs associated with medical emergencies, trip cancellations and delays.
Emergency medical insurance is probably the most valuable benefit for Canadians travelling outside their home province. It covers expensive hospital bills and doctors’ fees that your provincial health care plan may not fully reimburse.
Trip cancellation and interruption 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.
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 to keep your costs at zero.
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 picks for the best credit cards for travel insurance in Canada.
Best cards by program
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Best reward cards
Best Luxury Business Travel Card
American Express® Business Platinum Card
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 Card
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: 110,000
Welcome Value: $4,960
Annual Fee: $799
Best Primeum Aeroplan® Card
TD® Aeroplan® Visa* Infinite Privilege Card
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
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 Premium Aeroplan® Business Card
American Express® Aeroplan® Business Reserve Card
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
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: 70,000
Welcome Value: $2,410
Annual Fee: $250
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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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