Yes, you can file a claim on our website.

Here’s how it works:

1. Enter the first 6 digits of your credit card number.
2. Select your credit card type (if applicable).
3. Complete the fields to create an account. If you already have an account, login.
4. On the “My Account” page, click “File a Claim”.
5. Select your coverage type from the dropdown menu at the top of the page.
6. Click “File a Claim” under the description of the coverage.
7. Complete the claim form. Please be aware that missing information may cause a delay of your claim.
8. Click “Save and Exit” to save your progress and come back later to complete the form.
9. If all information has been entered, click “Upload Supporting Documents”.
10. On the “Upload Supporting Documents” page click browse beside each required document. You can either browse for a document or take a picture from your phone.
11. If all documents have been uploaded, click “Review” to proceed to the review page. If you would like to come back later to upload more documents click “Save and Exit”.
12. Select “Continue with Upload” if you would like to proceed to the review page
13. On the “Confirm Your Claim Information” page please carefully review the information to ensure you have entered the correct details. Then click “Authorization”.
14. Carefully review and accept the authorization and then click “Submit Claim”.
15. You will receive a message that your claim has been submitted.

You can check the status of a claim on our website. Just enter your email address and password to login to your account.

Yes at anytime throughout the claim process you can click “Save and Exit”. This will save your progress so you can come back later to add information or upload supporting documents.

When you have the necessary information you can login to your account to add more information and upload additional documents for your claim.

You can file a claim right here on our website! However, if you would like a hard copy claim form you can give us a call and one of our Customer Service Representatives will send a claim form to you.

You can submit your claim by any of the following methods:

* We cannot guarantee the security or privacy of your e-mail correspondence with Scotia Assist. You should consider whether it is appropriate to use e-mail to send confidential messages or information to us.

Please note that you are responsible for any charges incurred for the completion of all forms, and the provision of all supplemental documentation. An incomplete submission of the requested documentation and claim form could result in a delay of the assessment of your claim. 

Once your claim form and all supporting documentation have been received, it typically takes approximately 5 - 10 business days for us to assess your claim.  Keep in mind that any missing or incomplete information will cause delays in the claim review process.  It is important that you read your claim form and instructions carefully and provide all required information.

You may, but please be aware that missing information will cause delays in the approval process.  Therefore it is important that you read your claim form and instructions carefully, and provide all required information.  We will not be able to approve any claims without ALL required information and documentation.

If you would like to change your password, you must login to your account. Once logged in scroll to the “Profile” section of the “My Account Page” and update your password.

To protect your privacy and personal information, the site currently allows only one email address to be used per profile.

Yes, in order to use this website your browser must accept cookies.

No, JavaScript does not need to be turned on, but enabling it will enhance your browsing experience.

Yes, we take information security very seriously. The database that stores your profile information is located in a secure facility and all personal information stored in the database is encrypted. Encryption is a secure way of coding the information in a file so that if it's intercepted by a third party as it travels over a network, it cannot be read.

Only the person or persons that have the right type of decoding software can unscramble this encrypted message. Thus, your encrypted information can only be read by this website. Internet Explorer, Firefox, Chrome, and Safari support the recommended 128-bit key length encryption.

In addition, this website is encrypted using SSL (Secure Socket Layer) encryption. So even when being displayed on your computer screen, access to your information is still restricted. To further help protect your privacy this website will also automatically log you out after 15 minutes of inactivity.

Please review our Privacy Policy if you have questions or concerns about our security system.

Please contact us if the website isn’t working properly.

Travel Emergency Medical Insurance is available with the following Cards:

• Scotiabank Platinum American Express
• Scotiabank Gold American Express 
• Scotiabank American Express
• Scotia Momentum Visa Infinite
• Scotia Momentum for business Visa
• ScotiaGold Passport Visa
• Scotiabank GM Visa Infinite
• Scotiabank Passport Visa Infinite
• Scotiabank Passport Visa Infinite Business

Insured Persons under this coverage include:

• Eligible Cardholders and their spouse are both covered provided they are residents of Canada and covered by the Government Health Insurance Plan for their province or territory of residence. 
• Dependent children are also covered provided they are travelling with the eligible Cardholder or Spouse.

There is no need to charge any of the trip to your account in order to be covered for Travel Emergency Medical insurance. 

Dependent children must meet the following eligibility requirements:

• Unmarried natural, adopted, or step-children who are dependent on you for maintenance and support and,
• Are under 21 years of age, or
• Are under 25 years of age and a full-time student, or
• Are 21 years of age or over and are permanently mentally or physically challenged and incapable of self-support.

Yes, depending on your age on the departure date and the Scotiabank Card you carry, there are a maximum number of days of coverage.

• Scotiabank Platinum American Express: coverage is provided for the: (1) first 31 consecutive days for those under 65 years of age and, (2) first 10 consecutive days for those 65 years of age or older. 
• Scotiabank Gold American Express: coverage is provided for the: (1) first 25 consecutive days for those under 65 years and, (2) first 3 consecutive days for those 65 years of age or older.
• Scotiabank American Express: coverage is provided for the: (1) first 8 consecutive days for those under 65 years of age and, (2) first 3 consecutive days for those 65 years of age or older.
• Scotia Momentum Visa Infinite: coverage is provided for the first 15 consecutive days for those under 65 years of age.
• Scotia Momentum for business Visa: coverage is provided for the: (1) first 8 consecutive days for those under 65 years of age and, (2) first 3 consecutive days for those 65 years of age or older.
• ScotiaGold Passport Visa: coverage is provided for the first 25 consecutive days for those under 65 years of age.
• Scotiabank GM Visa Infinite: coverage is provided for the first 15 consecutive days for those under 65 years of age.
• Scotiabank Passport Visa Infinite and Scotiabank Passport Visa Infinite Business: coverage is provided for the: (1) first 25 consecutive days for those under 65 years and, (2) first 10 consecutive days for those 65 years of age or older.

There is no coverage for the portion of a trip beyond the maximum number of days. In determining your coverage period, you must count both the day of departure and the day of return as 1 full day.

Coverage may be extended for trips that exceed the maximum number of days. For more information or to purchase Travel Extension Coverage, please call Scotia Assist from within Canada prior to departure.

The premium for the Travel Extension Coverage must be charged to your account and must be paid in full before the departure date. You will receive a separate Certificate of Insurance for the Travel Extension Coverage.

In the event of a Medical Emergency, and assuming your claim meets all other eligibility criteria, the following expenses are eligible for reimbursement:

• Hospital accommodation, medical expenses and doctor charges
• Private duty nursing
• Diagnostic services
• Ambulance service
• Emergency air transport to your province or territory of residence
• Prescription drug reimbursement
• Accidental dental injury care
• Medically necessary appliances such as wheelchair rental or crutches
• Return airfare
• Transportation of a family member to bedside
• Vehicle return
• Car accident assistance
• Return of deceased

Please refer to your Certificate of Insurance for detailed terms, limitations and exclusions.

The maximum benefit amount for:

• The Scotiabank Platinum American Express Card is $2,000,000 (in Canadian dollars) for each Insured Person on a trip.
• The Scotiabank Gold American Express, Scotiabank American Express, Scotia Momentum Visa Infinite, Scotia Momentum for business Visa, ScotiaGold Passport Visa, Scotiabank GM Visa Infinite, Scotiabank Passport Visa Infinite and Scotiabank Passport Visa Infinite Business Cards is $1,000,000 (in Canadian dollars) for each Insured Person on a trip.

There are also maximums which apply to some of the individual types of covered expenses, such as accidental dental injury.  Please read the Certificate of Insurance for details.

Illnesses relating to pre-existing conditions are not covered. Please see the Certificate of Insurance for detailed information.

You must call Scotia Assist as soon as possible and without delay. If you do not contact Scotia Assist at the time of the Medical Emergency, benefits may be reduced and coverage may be limited. Someone else may call on your behalf, so it is important to have the Scotia Assist telephone numbers with you at all times.

Scotia Assist can be contacted 24 hours a day.

Scotia Assist will confirm coverage details to medical providers, provide directions to the nearest appropriate medical facility, provide authorization of payment of eligible expenses and manage the medical emergency on your behalf.  They will make every effort to pay or authorize payment of eligible expenses directly to the various medical providers.  If direct payment is not possible, you may be required to make payments yourself.  In that case, you will be reimbursed for your eligible expenses on submission of a valid claim to Scotia Assist.

Trip Cancellation Insurance is available with the following Cards:

• Scotiabank Platinum American Express
• Scotiabank Gold American Express 
• Scotiabank Passport Visa Infinite
• Scotiabank Passport Visa Infinite Business
• Scotia Momentum Visa Infinite

Trip Cancellation coverage is available to the Cardmember, spouse, dependent children and one travelling companion when they are booked to travel with the Cardmember and/or spouse. All eligible expenses must be charged to the account.

A Trip Cancellation claim would be submitted if there is a covered cause for cancellation, which requires you to cancel your trip prior to departure. A Trip Interruption claim is filed if, while on the trip, you are unable to continue your trip or need to delay your return due a covered cause for interruption.

You are covered for eligible expenses that are not refundable or reimbursable. The amount payable is subject to a maximum of:

• Scotiabank Gold American Express and Scotia Momentum Visa Infinite Cards: $1,500 per person and $10,000 per trip.
• Scotiabank Platinum American Express, Scotiabank Passport Visa Infinite and Scotiabank Passport Visa Infinite Business Cards: $2,500 per person and $10,000 per trip.

To be eligible at least 75% of all trip costs must be charged to the account (including deposits and pre-payments but excluding the cost of additional insurance obtained from travel supplier).

Eligible expenses are travel arrangements that have been booked or reserved prior to departure, including:

• Cost of transportation by common carrier
• Meals
• Car rental
• Tickets or passes for a sporting event, exhibition or other comparable entertainment event
• Hotel or similar accommodation
• Lessons or services of a guide

The Trip Cancellation benefit includes cancellation for hospitalization of at least 48 hours for surgery that cannot be postponed. Reimbursement is limited to the cancellation penalties in effect on the date you were notified of the potential hospitalization. We recommend that you verify the potential hospital stay and recovery period with the treating physician and make your decision based on this information.

If your job transfer is requested by the same employer that you worked for when your trip was booked and you now must move your residence within 30 days of your scheduled departure date the non-refundable portion, at the time the you were advised of the transfer, would be paid. The charge to change the travel dates would be covered. The value of any lost Aeroplan, Airmiles or similar points would not be covered.

If the trip is cancelled as a result of a formal warning by the Canadian Department of Foreign Affairs and International Trade advising Canadians NOT to travel to that country or area, you have coverage. Please note that country warnings are by specific area, therefore a warning for your destination country, for example, may be restricted to a remote area of the country that you will not be visiting. Therefore, it is important that you verify with the government website. In the event of a claim, the examiner will also verify that the warning became in force after the trip was booked and was still in effect at the time of cancellation.

There is no coverage for cancellation of a trip in the event you are denied a Visa.

Trip Cancellation benefits do not cover bankruptcy of a provider. If you charged your ticket to your account, you may be eligible for reimbursement through Scotiabank. Call the toll free number on the back of your Card.

If the travelling companion’s illness was not related to a pre-existing condition, you would be eligible for reimbursement of the non-refundable portion. If your travelling companion’s trip expenses were charged to your account, you would be eligible for reimbursement of the non-refundable portion. In the event you wished to continue with the cruise, you may also be eligible for payment rescheduling expenses if you wish to go with another travelling companion.

Yes. If the cancellation is as a result of a covered cause for cancellation you can claim for yourself and 1 travelling companion.

No. For trip cancellation benefits, at least 75% of all costs (including deposits and pre-payments) must have been charged to your account and/or paid for with your Scotia Rewards points in order to be eligible.

Trip Interruption Insurance is available with the following Cards:

• Scotiabank Platinum American Express
• Scotiabank Gold American Express 
• Scotiabank American Express
• Scotia Momentum Visa Infinite
• Scotiabank GM Visa Infinite
• Scotiabank Passport Visa Infinite
• Scotiabank Passport Visa Infinite Business

Insured persons under this coverage include:

• Cardmembers and their spouse are covered when eligible trip expenses are charged to the Card.
• Also, dependent children and 1 travelling companion are eligible for this coverage when:
  • They are booked to travel with the Cardmember or spouse and,
  • Their eligible expenses have been charged to the Card.

A Trip Cancellation claim would be submitted if there is a covered cause for cancellation, which requires you to cancel your trip before departure.

A Trip Interruption claim is filed if, while on the trip, you are unable to continue the trip or need to delay your return due to a covered cause for interruption.

Information about your coverage is available on this website, please ensure your card has Trip Interruption coverage. You are responsible for booking your transportation. Your coverage is limited to the change in ticketing or the cost of a one-way economy fare to return to point of departure. Upon your return, you must submit your claim with all required documentation to Scotia Assist.

You are covered if you are unable to continue the trip as a result of a formal warning by the Canadian Department of Foreign Affairs and International Trade advising Canadians NOT to travel to that country or area. Please note that country warnings are by specific area, therefore a warning for your destination country, for example, may be restricted to a remote area of the country that you will not be visiting. Therefore, it is important that you verify with the government website. In the event of a claim, the examiner will also verify that the warning became in force after the trip was booked and was still in effect at the time of early return.

No, to be eligible at least 75% of all costs (including deposits and prepayments) must have been charged to your account and/or paid for with Your Scotia Rewards points.

Covered causes for trip interruption include:

Medical:

• Death of an insured person, travelling companion, or an immediate family member of either during the trip.
• Accidental bodily injury or sudden and unexpected sickness of an insured person or travelling companion. The person must require immediate medical attention that prevents them from leaving on the scheduled return date. Must be based on medical advice by a Doctor with supporting documentation and cannot be from a pre-existing condition.
• Accidental bodily injury or a sudden and unexpected sickness requiring Hospitalization of an insured person’s or their travelling companion’s immediate family member during the trip. Must be based on medical advice by a Doctor with supporting documentation and cannot be from a pre-existing condition.
• Hospitalization or death during the trip of an insured person’s or travel companion’s: (1) legal business partner, (2) key employee or, (3) host at destination.

Non-Medical:

• Official Government of Canada Travel Advisory against travel to an area during the trip
• Natural disaster that renders a principal residence uninhabitable
• An insured person’s quarantine or hijacking
• A call to service of an insured person by government with respect to reservists, military, police or fire personnel

Delay causing a missed connection for a common carrier:

• The delay of a common carrier resulting from: (1) mechanical failure, (2) traffic accident or an emergency police-directed road closure, (3) weather conditions or, (4) an unexpected or unforeseen earthquake or volcanic eruption

Benefits for Trip Interruption coverage are available to a maximum of:

• $1,500 per insured person for Scotiabank Gold American Express Cards.
• $2,000 per insured person for Scotia Momentum Visa and Scotiabank GM Visa Infinite Cards
• $2,500 per insured person for Scotiabank American Express, Scotiabank Platinum American Express, Scotiabank Passport Visa Infinite and Scotiabank Passport Visa Infinite Business Cards
• For all Cards there is a limit of $10,000 per trip for all insured persons on the same trip.

If a trip is interrupted, the following will be reimbursed:

• The additional charges paid to change tickets or,
• The cost of a one-way economy fare to return to the departure location and,

Flight Delay Insurance is available with the following Cards:

• Scotiabank Platinum American Express
• Scotiabank Gold American Express 
• Scotia Momentum Visa Infinite
• ScotiaGold Passport for Business Visa
• Scotiabank GM Visa Infinite
• Scotiabank Passport Visa Infinite
• Scotiabank Passport Visa Infinite Business

Insured persons under this coverage include:

• Cardmembers and their spouse when the cost of the flight is charged to the Card.
• Dependent Children when they are booked to travel on a trip with the Cardmember and/or spouse.

To be eligible for benefits, your flight must be delayed by at least 4 hours.

Flight Delay insurance will cover all necessary and reasonable expenses incurred due to the delay, including:

• Hotel accommodations,
• Meals and refreshments,
• Essential and sundry items. For example, small items such as: a magazine or paperback book

No, Flight Delay insurance does not cover transportation during your delay.

Flight Delay insurance will cover your necessary and reasonable expenses incurred within 48 hours of the delay.

Lost Luggage Insurance is available with the following Cards:

• Scotiabank Platinum American Express
• Scotiabank Gold American Express 
• Scotia Momentum Visa Infinite
• Scotiabank GM Visa Infinite
• Scotiabank Passport Visa Infinite
• Scotiabank Passport Visa Infinite Business
• ScotiaGold Passport Visa
• ScotiaGold Passport for business Visa

Insured Persons under this coverage include:

• The Cardmember
• The Cardmember’s spouse, dependent children and parents residing with the Cardmember (when travelling with the Cardmember)

For ScotiaGold Passport Visa and ScotiaGold Passport for business Visa Cards:

• Lost Luggage coverage will pay up to $1,250 per trip for all people on the same trip.

For Scotiabank American Express, Scotiabank Passport Visa Infinite and Scotiabank Passport Visa Infinite Business Cards:

• Lost Luggage coverage will pay up to $1,000 per trip for all people on the same trip.

Scotia Momentum Visa Infinite and Scotiabank GM Visa Infinite Cards:

• Lost Luggage coverage will pay up to $500 per trip for all people on the same trip.

No you don’t need to replace your lost items to file a claim, payment is based on either:

• The actual replacement cost if replaced or,
• The actual cash value of the article at the time of loss, if not replaced.

No, this coverage applies to checked luggage only.

Delayed Luggage Insurance is available with the following Cards:

• Scotiabank Platinum American Express
• Scotiabank Gold American Express
• Scotia Momentum Visa Infinite
• Scotiabank GM Visa Infinite
• Scotiabank Passport Visa Infinite
• Scotiabank Passport Visa Infinite Business
• ScotiaGold Passport Visa
• ScotiaGold Passport for business Visa

Insured Persons under this coverage include:

• The Cardmember
• The Cardmember’s spouse, dependent children and parents residing with the Cardmember (when travelling with the Cardmember)

For Scotiabank American Express, Scotiabank Passport Visa Infinite, ScotiaGold Passport Visa, ScotiaGold Passport for business Visa and Scotiabank Passport Visa Infinite Business Cards:

• Delayed Luggage coverage will pay up to $1,000 per trip for all people on the same trip.

Scotia Momentum Visa Infinite and Scotiabank GM Visa Infinite Cards:

• Delayed Luggage coverage will pay up to $500 per trip for all people on the same trip.

You will be reimbursed for essential items purchased during the delay at your final destination. Essential items are the minimum essential clothing and toiletries, necessary and indispensable during the delay of your checked luggage. Items purchased cannot exceed the maximum benefit amount based on your Card type.

Checked luggage must be delayed for at least 4 hours after arrival at the final destination. You are eligible to claim if essential items were purchased before your checked luggage was returned.

Delayed Luggage coverage reimburses the cost of essential items when luggage is delayed more than 4 hours. Essential Items are the necessary clothing and toiletries required to purchase if checked luggage is delayed.

No, Delayed Luggage does not cover losses when checked luggage is delayed on your return home. It only covers you when checked luggage is not delivered within 4 hours of your arrival at your travel destination.

Hotel/ Motel Burglary Insurance is available with the following Cards:

• Scotiabank Platinum American Express
• Scotiabank Gold American Express 
• Scotiabank Passport Visa Infinite
• Scotiabank Passport Visa Infinite Business
• ScotiaGold Passport Visa
• ScotiaGold Passport for business Visa

Hotel/ Motel Burglary coverage is available to Cardmembers when the cost of the hotel/ motel stay is charged to the Card. When travelling with the Cardmember, the Cardmember’s spouse, dependent children and parents residing with the Cardmember are also covered.

Hotel/Motel Burglary insurance protects you from check in to check out. Once you have checked out of your hotel/ motel there is no coverage available.

No, this coverage is only available in the territorial limits of Canada and the United States.

Hotel/Motel Burglary coverage will pay up to $1,000 per occurrence. It will be paid in excess of other insurance and/or payments made by the Hotel/ Motel.

Common Carrier Travel Accident Insurance is available with the following Cards:

• Scotiabank Platinum American Express
• Scotiabank Gold American Express 
• Scotiabank American Express
• Scotia Momentum Visa Infinite
• Scotiabank GM Visa Infinite
• ScotiaGold Passport Visa
• ScotiaGold Passport for Business Visa
• Scotiabank Passport Visa Infinite
• Scotiabank Passport Visa Infinite Business

Insured Persons under this coverage include:

• The Cardmember and spouse
• Dependent children (when their fare is charged to the Cardmember’s account)

Dependent children must meet the following eligibility requirements:

• Unmarried natural, adopted, or step-children who are dependent on you for maintenance and support and,
• Are under 21 years of age, or
• Are under 25 years of age and a full-time student or
• Are 21 years of age or over and are permanently mentally or physically challenged and incapable of self-support.

No, in order to be eligible for Common Carrier Travel Accident coverage, at least 75% of the ticket must have been charged to your account and/or paid with Scotia Rewards points.

The maximum benefit amount varies by Card type.

For Scotiabank Platinum American Express, Scotiabank Gold American Express, ScotiaGold Passport for Business Visa, Scotiabank GM Visa Infinite, Scotia Momentum Visa Infinite, Scotiabank Passport Visa Infinite and Scotiabank Passport Visa Infinite Business Cards – benefits are up to $500,000 (in Canadian dollars) per person per trip, to a maximum of $1,000,000 per occurrence.

For Scotiabank American Express and ScotiaGold Passport Visa Cards – benefits are up to $250,000 (in Canadian dollars) per person per trip, to a maximum of $500,000 per occurrence.

Please read the Certificate of Insurance for details.

Each eligible Insured Person is covered for the following accidental losses:

• Life
• Total and permanent disability
• Both hands or both feet
• One foot or one hand and the entire sight of one eye
• Sight of both eyes
• One hand and one foot
• Speech and hearing
• One hand or one foot
• Sight of one eye
• Speech
• Hearing

In the event of a claim, notify the Insurer.

If possible, notice should be given within 90 days of the occurrence of a loss. Proof of loss, whether it be a complete claim form or otherwise, must be given to the Insurer as soon as reasonably possible.

Rental Car Collision/Loss Damage Insurance is available with the following Cards:

• Scotiabank Platinum American Express
• Scotiabank Gold American Express 
• Scotiabank American Express
• Scotia Momentum Visa Infinite
• Scotia Momentum for business Visa
• Scotiabank GM Visa Infinite
• ScotiaGold Passport Visa
• ScotiaGold Passport for Business Visa
• Scotiabank Passport Visa Infinite
• No-Fee ScotiaGold Visa
• Scotiabank Passport Visa Infinite Business

Insured Persons under this coverage include:

• The Cardmember
• Any other person who holds a valid driver’s license and has the Cardmember’s permission to operate the rental vehicle

Yes, if you give express permission, and your friend qualifies under the car rental company’s policies, coverage would be available as per the terms and conditions of the Certificate of Insurance.

You will be eligible for coverage if:

• The car rental is pre-paid on the account and,
• The Card is provided for any additional charges when you initiate the rental

In the event of a claim, you will be asked to provide a copy of the voucher or invoice paid to the online agency indicating that the rental was paid on the Card.

The rental is governed by the terms and conditions of the car rental company. If the car rental company allows the car to be driven outside of the country of rental, it will be indicated. If there is an additional fee charged by the rental car company to allow it to be driven to specific countries and this is paid on your account, coverage will be provided. If there is an incident in a country where the rental contract does not permit the car to be driven, there will be no coverage provided.

Luxury rental cars are not covered. They fall under the category of cars over $65,000.00 (luxury/specialty cars) that are excluded from coverage in the Certificate of Insurance. Please review the Certificate of Insurance for detailed terms, limitations and exclusions.

Formerly rental car companies took an imprint of the Card at the time of the rental to provide a security or guarantee for any loss or damage to the car. Currently they generally hold a deposit on the Card or they keep track of the Card details in their reservation system in the event of loss or damage. This is sufficient to fulfill the ‘card imprint’ condition.

The Certificate of Insurance states that the rental period cannot be extended by renewing the rental agreement or by taking out a new rental agreement with the same or another rental agency. In the event of a claim, the claims examiner will review the circumstances and determine if the terms of the Certificate of Insurance were adhered to.

Rental Car Collision/Loss damage insurance pays for damage to the rental car. There is no coverage for damage to property or to other vehicles. Generally the rental car company will provide third party coverage. In foreign jurisdictions you may want to clarify what coverage is provided as standard under the car rental company’s insurance.

Rental Car Collision/Loss damage insurance only covers damage to the rental car and does not pay for any claims for injury whether or not the injured person was the person who rented the car, a passenger or a third party. You should check with your personal automobile insurer and the rental agency to ensure that you and all other drivers have adequate third party liability, personal injury and damage to property coverage.

The van would be covered if:

• It is for private use
• It has appropriate seating for up to 8 occupants (including the driver)
• You are not charging a fee to any of the occupants

Coverage would not be available if the vehicle cost is sponsored or a third-party payment is made for driving the group.

There is no coverage for operation of the vehicle on roads that are not regularly maintained. At the time of the incident, the claims examiner will contact the relevant highway authority and make the decision based on the information publicly available.

Tires are only covered if the damage is due to an insured cause, such as a collision or theft.

The types of rental vehicles covered include cars and sports utility vehicles. Mini-vans are also covered if they are (1) for private passenger use, (2) have seating from no more than 8 occupants including the driver and, (3) are not used for hire. Covered vehicles must have a suggested retail price of less than $65,000 (including taxes). Please see the Certificate of Insurance for a detailed list of vehicles excluded from this coverage.

It depends on the province in which you live, the type of policy you have, and the country you are visiting. Each policy should be thoroughly checked for the specific terms and conditions associated with rental vehicles. If you are not sure of the extent of your policy's coverage, ask your insurance agent or your insurer.

Mobile Device Insurance is available with Scotia Momentum Visa Infinite Cards.

Mobile Device Insurance covers you for the lesser of the repair and the replacement cost of your mobile device in the event of loss, theft, mechanical breakdown or accidental damage. The benefit amount cannot exceed the depreciated value of your device at date of loss less the deductible, to a maximum of $1,000.

You are eligible for mobile device insurance when you:

• charge the purchase price to your account. If the mobile device is equipped with cellular data technology, you must also activate it with a provider; or
• charge any portion of the purchase price that is required to be paid up-front to your account, fund the balance of the purchase price through a plan, and charge all monthly wireless bill payments to your account for the duration of your plan; or
• fund the full purchase price through a plan and charge all the monthly wireless bill payments to your account for the duration of the plan.

Coverage begins the later of:

• 30 days from the date of purchase; or
• The date the first monthly payment is charged to your account.

Coverage ends on the earliest of:

• 2 years from the date of purchase; or
• The date your card is cancelled, closed, or no longer in good standing; or
• The date one of your monthly payments is not charged to the card (if you’re funding the price of the device through your wireless plan).

For every completed month since the date of purchase, 2% of the purchase price is deducted from the value of your mobile device.

The deductible is based on the purchase price (less taxes) of your mobile device, as determined by the following table:

Purchase Price $800

Less depreciation cost – $128 (2% X 8 months X $800)

Depreciated value = $672

Less deductible – $100

Maximum reimbursement = $572

Yes, you must obtain approval before you proceed with any repair or replacement services. To do so, you can file a claim here on our website. In the event of a loss or theft, you must notify your provider to suspend your wireless services within 48 hours of the date of loss. Also, in the event of a theft, you must notify the police within seven days of the date of loss.

For mechanical failure and accidental damage claims, you must get a written repair estimate from a repair facility authorized by the original mobile device manufacturer.

Once the insurer approves your claim, you can proceed with the repair or replacement of your mobile device. Benefits will be paid upon receipt of evidence that the repair or replacement is charged to your account.

Purchase Security is available with the following Cards:

• Scotiabank Platinum American Express
• Scotiabank Gold American Express 
• Scotiabank American Express
• Scotia Momentum Visa Infinite
• Scotia Momentum for business Visa
• Scotiabank GM Visa
• Scotiabank GM Visa Infinite
• Scotiabank US Dollar Visa
• Scotiabank More Rewards Visa
• Scotiabank GM Visa Business 
• Scotiabank Passport Visa Infinite
• Scotiabank Passport Visa Infinite Business
• ScotiaGold Passport Visa
• ScotiaGold Passport for business Visa
• Scotia Momentum Visa
• ScotiaLine Personal Line of Credit
• ScotiaLine for Business Visa

Most new items purchased with your Card are covered in the event of loss, theft or damage. The coverage term varies depending on Card type:

• With Scotiabank Platinum American Express Cards, eligible items are covered for 120 days from the date of purchase.
• With Scotiabank Gold American Express, Scotiabank American Express, ScotiaGold Passport Visa, ScotiaGold Passport for business Visa, Scotia Momentum Visa, ScotiaLine Personal Line of Credit and ScotiaLine for Business Visa and Scotiabank Visa Cards, eligible items are covered for 90 days from the date of purchase.

Purchase Security coverage provides for replacement or reimbursement of the purchase price of the item. As a result, Scotia Assist will either: (1) ask you to replace your product with a comparable model and send us a receipt for reimbursement or; (2) reimburse you the lesser of the replacement price or the original purchase price paid.

Gifts are covered under Purchase Security, but the Cardmember must submit the claim. Proof of purchase would have to be provided and the damaged item may need to be returned to Scotia Assist.

Scotia Assist will require proof of purchase. They may also require that the broken product be returned to them for verification and substantiation of the claim.

If the cost of the product was fully charged to the account through Pay-Pal and is an insured item it would be covered. It would not be covered for Purchase Security until it was delivered and accepted by you in undamaged condition. If it was damaged in transit/delivery, a claim should be made with the courier/post office.

Extended Warranty is available with the following Cards:

• Scotiabank Platinum American Express
• Scotiabank Gold American Express
• Scotiabank American Express
• Scotia Momentum Visa Infinite
• Scotia Momentum for business Visa
• Scotiabank GM Visa
• Scotiabank GM Visa Infinite
• Scotiabank US Dollar Visa
• Scotiabank More Rewards Visa
• Scotiabank GM Visa Business
• Scotiabank Passport Visa Infinite
• Scotiabank Passport Visa Infinite Business
• ScotiaGold Passport Visa
• ScotiaGold Passport for business Visa
• Scotia Momentum Visa
• ScotiaLine Personal Line of Credit
• ScotiaLine for Business Visa

Extended Warranty coverage provides the Cardmember with double the period of repair services provided by the original Manufacturer’s Warranty. The coverage term varies depending on Card type. The term of extended coverage begins upon the expiration of the original Manufacturer’s Warranty.

Here’s a few examples:

Scotiabank Platinum American Express Cards

A maximum of 2 additional years of coverage. 

Scotiabank Gold American Express, Scotiabank American Express and Scotiabank Visa Cards

A maximum of 1 additional year of coverage.

The Extended Warranty coverage provides one year of coverage from the expiration of the original Manufacturer’s Warranty. In this case, the extended warranty included with your Card would overlap with the extended warranty purchased from the store. As a result, there is no coverage available in the third year. If you did have a claim during the extended warranty period, you would submit your claim to the provider of the extended warranty product that you purchased first.

If the cost of the product was fully charged to the account through Pay-Pal and is an insured item it would be covered. It is covered once it is delivered and accepted by you in undamaged condition.

No, as the original manufacturer is responsible during the initial warranty period.

Price Protection Service is available with the following Cards:

• Scotiabank Platinum American Express
• Scotiabank American Express
• Scotiabank More Rewards Visa
• Scotiabank Passport Visa Infinite

The Price Protection Service will pay you the price difference if you find an identical item offered for retail sale in Canada at a price lower than the price you paid.

The Price Protection service is in effect for 60 days from the date of purchase of most new items of personal property.

No. The Price Protection service only covers retail items purchased in Canada.

Yes. Price Protection service payments won’t be made for price differences of less than $10 per item and the maximum payment will be $100 per item up to a maximum of $500 per account per calendar year.

The Price Protection service will apply to a maximum of 3 identical items during the 60-day period. No item can be submitted for a Price Protection payment more than once during the 60-day period.

Yes, any eligible item that you gave as a gift is covered. In the event of a price difference, the Cardmember, not the recipient of the gift, must make the request for payment.

Yes, you can file a claim on our website.

Here’s how it works:

1. Enter the first 6 digits of your credit card number.
2. Select your credit card type (if applicable).
3. Complete the fields to create an account. If you already have an account, login.
4. On the “My Account” page, click “File a Claim”.
5. Select your coverage type from the dropdown menu at the top of the page.
6. Click “File a Claim” under the description of the coverage.
7. Complete the claim form. Please be aware that missing information may cause a delay of your claim.
8. Click “Save and Exit” to save your progress and come back later to complete the form.
9. If all information has been entered, click “Continue”.
10. On the “Upload Supporting Documents” page click browse beside each required document. You can either browse for a document or take a picture from your mobile device.
11. If all documents have been uploaded, click “Continue” to proceed to the review page. If you would like to come back later to upload more documents click “Save and Exit”
12. On the “Review” page please carefully review the information to ensure you have entered the correct details. Then click “Continue”
13. Carefully review and accept the authorization and then click “Submit Claim”.
14. You will receive a message that your claim has been submitted.

You can check the status of a claim on our website. Just enter your email address and password to login to your account.

Yes at anytime throughout the claim process you can click “Save and Exit”. This will save your progress so you can come back later to add information or upload supporting documents.

When you have the necessary information you can login to your account to add more information and upload additional documents for your claim.

You can file a claim on this website. However if you would prefer to receive a hardcopy claim form, please give us a call and one of our Customer Service Representatives will send a claim form to you, via mail or email:

• 1-888-409-4442 from within Canada and the United States, or 613-634-4993 collect from other countries.

You can submit your claim by any of the following methods:

* We cannot guarantee the security or privacy of your e-mail correspondence with the administrator. You should consider whether it is appropriate to use e-mail to send confidential messages or information to us.

Please note that you are responsible for any charges incurred for the completion of all forms, and the provision of all supplemental documentation. An incomplete submission of the requested documentation and claim form could result in a delay of the assessment of your claim.

Once your claim form and all supporting documentation have been received, it typically takes approximately 5 - 10 business days for us to assess your claim.  Keep in mind that any missing or incomplete information will cause delays in the claim review process.  It is important that you read your claim form and instructions carefully and provide all required information.

You may, but please be aware that missing information will cause delays in the approval process.  Therefore it is important that you read your claim form and instructions carefully, and provide all required information.  We will not be able to approve any claims without ALL required information and documentation.

If you would like to change your password, you must login to your account. Once logged in scroll to the “Profile” section of the “My Account Page” and update your password.

To protect your privacy and personal information, the site currently allows only one email address to be used per profile.

Yes, in order to use this website your browser must accept cookies.

No, JavaScript does not need to be turned on, but enabling it will enhance your browsing experience.

Yes, we take information security very seriously. The database that stores your profile information is located in a secure facility and all personal information stored in the database is encrypted. Encryption is a secure way of coding the information in a file so that if it's intercepted by a third party as it travels over a network, it cannot be read.

Only the person or persons that have the right type of decoding software can unscramble this encrypted message. Thus, your encrypted information can only be read by this website. Internet Explorer, Firefox, Chrome, and Safari support the recommended 128-bit key length encryption.

In addition, this website is encrypted using SSL (Secure Socket Layer) encryption. So even when being displayed on your computer screen, access to your information is still restricted. To further help protect your privacy this website will also automatically log you out after 15 minutes of inactivity.

Please review our Privacy Policy if you have questions or concerns about our security system.

Please contact us if the website isn’t working properly.

Auto Rental Collision/ Loss Damage Insurance is available with the following Desjardins cards:

• Odyssey Gold Visa
• Travel Gold Visa
• Affinity Gold Visa
• Odyssey Visa Infinite Privilege
• Platinum Visa
• Platinum Prestige Visa
• U.S. Visa
• Cash Back World Mastercard
• Odyssey World Elite Mastercard
• Business Advantage
• U.S. Business Card

Insured persons under this coverage include:

• The Cardholder
• Any other person who holds a valid driver’s license and has the Cardholder’s permission to operate the rental vehicle

Yes, if you give express permission, and your friend qualifies under the car rental company’s policies, coverage would be available as per the terms and conditions of the Certificate of Insurance.

You will be eligible for coverage if:

• The car rental is pre-paid on the Desjardins card
• The Card is provided for any additional charges when you initiate the rental

In the event of a claim, you will be asked to provide a copy of the voucher or invoice paid to the online agency indicating that the rental was paid on the Card.

The rental is governed by the terms and conditions of the car rental company. If the car rental company allows the car to be driven outside of the country of rental, it will be indicated. If there is an additional fee charged by the rental car company to allow it to be driven to specific countries and this is paid on your Desjardins card, coverage will be provided. If there is an incident in a country where the rental contract does not permit the car to be driven, there will be no coverage provided.

Luxury vehicles such as BMW, Cadillac, Lincoln and Mercedes are covered as long as they meet all other requirements of the Certificate of Insurance.

Vehicles with a Manufacturer’s Suggested Retail Price (MSRP) of $85,000 or more will not be covered. Exotic vehicles, meaning vehicles such as Aston Martin, Bentley, Bricklin, Daimler, DeLorean, Excalibur, Ferrari, Jensen, Lamborghini, Lotus, Maserati, Porsche, and Rolls Royce will not be covered.

Please review the Certificate of Insurance for detailed terms, limitations and exclusions.

Formerly rental car companies took an imprint of the card at the time of the rental to provide a security or guarantee for any loss or damage to the car. Currently they generally hold a deposit on the Card or they keep track of the Card details in their reservation system in the event of loss or damage. This is sufficient to fulfill the ‘payment guarantee’ condition.

The Certificate of Insurance states that the rental period must not exceed 48 consecutive days.  Coverage may not be extended by renewing the rental agreement or by taking out a new rental agreement with the same or another rental agency for the same vehicle or another vehicle. A full calendar day must elapse between rental periods. In the event of a claim, the claims examiner will review the circumstances and determine if the terms of the Certificate of Insurance were adhered to.

Auto Rental Collision/Loss damage insurance pays for damage to the rental car. There is no coverage for damage to property or to other vehicles. Generally the rental car company will provide third party coverage. In foreign jurisdictions you may want to clarify what coverage is provided as standard under the car rental company’s insurance.

Auto Rental Collision/Loss damage insurance only covers damage to the rental car and does not pay for any claims for injury whether or not the injured person was the person who rented the car, a passenger or a third party. You should check with your personal automobile insurer and the rental agency to ensure that you and all other drivers have adequate third party liability, personal injury and damage to property coverage.

The van would be covered if:

• It is for private use
• It has appropriate seating for up to 8 occupants (including the driver)
• You are not charging a fee to any of the occupants

Coverage would not be available if the vehicle cost is sponsored or a third-party payment is made for driving the group.

There is no coverage for operation of the vehicle on roads that are not regularly maintained. At the time of the incident, the claims examiner will contact the relevant highway authority and make the decision based on the information publicly available.

Tires are only covered if the damage is due to an insured cause, such as a collision or theft.

It depends on the province in which you live, the type of policy you have, and the country you are visiting. Each policy should be thoroughly checked for the specific terms and conditions associated with rental vehicles. If you are not sure of the extent of your policy's coverage, ask your insurance agent or your insurer.

Purchase Protection is available with the following Desjardins cards:

• Prepaid Visa
• Cash Back Visa
• Cash Back Mastercard
• Odyssey Gold Visa
• Travel Gold Visa
• Affinity Gold Visa
• Odyssey Visa Infinite Privilege
• Elegance Gold Visa
• No-Fee Gold Visa
• Modulo Gold Visa
• Low-Rate Gold Visa
• Platinum Visa
• Platinum Prestige Visa
• Cash Back World Mastercard
• Odyssey World Elite Mastercard

Most new items purchased with your Card are covered in the event of loss, theft or damage. Eligible items are covered for 90 days from the date of purchase.

For Odyssey Visa Infinite Privilege cardholders, eligible items are covered for 180 days from the date of purchase.

Purchase Protection coverage provides for replacement or reimbursement of the purchase price of the item. In most cases, the administrator will ask you to replace your product with a comparable model and submit a receipt for reimbursement.  Reimbursement will be the lesser of the replacement price and the original purchase price paid.

Gifts are covered under Purchase Protection, but the Cardholder must submit the claim. Proof of purchase would have to be provided and the damaged item may need to be returned to the administrator.

The administrator will require proof of purchase. They may request a written repair estimate or may also require that the broken product be returned to them for verification and substantiation of the claim.

Some Desjardins cards offer Purchase Protection on mail-orders.  The product must be a “new item”.  The full purchase price must be charged to the account through PayPal, and it must be an insured item.  Coverage would take effect only once the item was delivered and accepted by you in undamaged condition.  Damage occurring during transit/delivery should be claimed through the courier/post office.

Please review your Certificate to determine if you would be covered in this circumstance.

• Prepaid Visa
• Cash Back Visa     
• Cash Back Mastercard
• Odyssey Gold Visa
• Travel Gold Visa
• Affinity Gold Visa
• Odyssey Visa Infinite Privilege
• Elegance Gold Visa
• No Fee Gold Visa
• Modulo Visa
• Low Rate Gold Visa
• Platinum Visa
• Platinum Prestige Visa
• Cash Back World Mastercard
• Odyssey World Elite Mastercard

For all cards except Odyssey Visa Infinite Privilege, Extended Warranty coverage provides the cardholder with double the period of repair services provided by the original Manufacturer’s Warranty, to a maximum of one year.

Examples of the coverage period as below:

For Odyssey Visa Infinite Privilege, Extended Warranty coverage provides the cardholder with triple the period of repair services provided by the original Manufacturer’s Warranty, to a maximum of two years.

Examples of the coverage period as below:

The Extended Warranty coverage provides additional coverage which begins at the time the original Manufacturer’s Warranty expires. In this case, the extended warranty included with your Card would overlap with the extended warranty purchased from the store. As a result, there is no coverage available in the third year (for all cards other than Odyssey Visa Infinite Privilege).

In the cases of overlap between a purchased extended warranty plan and this one, you would submit your claim to the other provider first.

If the product was a “new item” at time of purchase, and the full cost was charged to the Account through PayPal, and is an insured item it would be covered. It is covered once it is delivered and accepted by you in undamaged condition.

No, as the original manufacturer is responsible during the initial warranty period.

• Student Visa
• Cash Back Visa
• Odyssey Gold Visa
• Travel Gold Visa
• Affinity Gold Visa
• Odyssey Visa Infinite Privilege
• Elegance Gold Visa with 1% BONUSDOLLARS
• No Fee Gold Visa with 1% BONUSDOLLARS
• Modulo Visa
• Low Rate Gold Visa
• Cash Back Mastercard
• Cash Back World Mastercard
• Odyssey World Elite Mastercard

Mobile Device Insurance covers you for the lesser of the repair and the replacement cost of your mobile device in the event of loss, theft, mechanical breakdown or accidental damage. The benefit amount cannot exceed the depreciated value of your device at date of loss less the deductible, to a maximum of $1,000.

You are eligible for this insurance if:

• You charge the purchase price of the mobile device to your Desjardins card and you activate your device with a cellular data provider, OR
• You fund the purchase price of the mobile device through a plan with your provider and charge all monthly bill payments to your Desjardins credit card account.

Coverage begins the later of:

• 30 days from the date of purchase
• The date the first monthly payment is charged to your account

Coverage ends on the earliest of:

• 2 years from the date of purchase
• The date your card is cancelled, closed, or no longer in good standing
• The date one of your monthly payments is not charged to the card (if you’re funding the price of the device through your wireless plan).

For every completed month since the date of purchase, 2% of the purchase price is deducted from the value of your mobile device.

The deductible is based on the purchase price (less taxes) of your mobile device, as determined by the following table:

Purchase Price $800

Less depreciation cost – $128 (2% X 8 months X $800)

Depreciated value = $672

Less deductible – $100

Maximum reimbursement = $572

Yes, you must obtain approval before you proceed with any repair or replacement services. To do so, you can file a claim here on our website. In the event of a loss or theft, you must notify your provider to suspend your wireless services within 48 hours of the date of loss. Also, in the event of a theft, you must notify the police within seven days of the date of loss.

For mechanical failure and accidental damage claims, you must get a written repair estimate from a repair facility authorized by the original mobile device manufacturer.

Once the insurer approves your claim, you can proceed with the repair or replacement of your mobile device. Benefits will be paid upon receipt of evidence that the repair or replacement is charged to your account.

Yes, you can file a claim on our website.

Here’s how it works:

1. Enter the first 6 digits of your credit card number.
2. Select your credit card type (if applicable).
3. Complete the fields to create an account. If you already have an account, login.
4. On the “My Account” page, click “File a Claim”.
5. Select your coverage type from the dropdown menu at the top of the page.
6. Click “File a Claim” under the description of the coverage.
7. Complete the claim form. Please be aware that missing information may cause a delay of your claim.
8. Click “Save and Exit” to save your progress and come back later to complete the form.
9. If all information has been entered, click “Upload Supporting Documents”.
10. On the “Upload Supporting Documents” page click browse beside each required document. You can either browse for a document or take a picture from your mobile device.
11. If all documents have been uploaded, click “Review” to proceed to the review page. If you would like to come back later to upload more documents click “Save and Exit”
12. On the “Confirm Your Claim Information” page please carefully review the information to ensure you have entered the correct details. Then click “Authorization”
13. Carefully review and accept the authorization and then click “Submit Claim”.
14. You will receive a message that your claim has been submitted.

You can check the status of a claim on our website. Just enter your email address and password to login to your account.

Yes at anytime throughout the claim process you can click “Save and Exit”. This will save your progress so you can come back later to add information or upload supporting documents.

When you have the necessary information you can login to your account to add more information and upload additional documents for your claim.

You can file a claim right here on our website! However, if you would like a hard copy claim form you can give us a call and one of our Customer Service Representatives will send a claim form to you.

Once your claim form and all supporting documentation have been received, it typically takes approximately 5 - 10 business days for us to assess your claim. Keep in mind that any missing or incomplete information will cause delays in the claim review process. It is important that you read your claim form and instructions carefully and provide all required information.

You may, but please be aware that missing information will cause delays in the approval process. Therefore it is important that you read your claim form and instructions carefully, and provide all required information. We will not be able to approve any claims without ALL required information and documentation.

If you would like to change your password, you must login to your account. Once logged in scroll to the “Profile” section of the “My Account Page” and update your password.

To protect your privacy and personal information, the site currently allows only one email address to be used per profile.

Yes, in order to use this website your browser must accept cookies.

No, JavaScript does not need to be turned on, but enabling it will enhance your browsing experience.

Yes, we take information security very seriously. The database that stores your profile information is located in a secure facility and all personal information stored in the database is encrypted. Encryption is a secure way of coding the information in a file so that if it's intercepted by a third party as it travels over a network, it cannot be read.

Only the person or persons that have the right type of decoding software can unscramble this encrypted message. Thus, your encrypted information can only be read by this website. Internet Explorer, Firefox, Chrome, and Safari support the recommended 128-bit key length encryption.

In addition, this website is encrypted using SSL (Secure Socket Layer) encryption. So even when being displayed on your computer screen, access to your information is still restricted. To further help protect your privacy this website will also automatically log you out after 15 minutes of inactivity.

Please review our Privacy Policy if you have questions or concerns about our security system.

Please contact us if the website isn’t working properly.

Travel Emergency Medical Insurance is available with the President’s Choice Financial World Elite Mastercard.

Insured persons under this coverage include:

• The primary cardholder, their spouse and dependent children when travelling with the primary cardholder and/or spouse on a trip.
• All insured persons must be permanent residents of Canada and insured by their provincial or territorial GHIP.

There is no need to charge any of the trip to your account in order to be covered for Travel Emergency Medical insurance.

Dependent children must meet the following eligibility requirements:

1. Unmarried natural, adopted, or step-children who are dependent on you for maintenance and support and,
2. Are under 21 years of age, or
3. Are under 25 years of age and a full-time student.

Yes, coverage is provided for the first 10 consecutive days of a trip for insured people under 65 years of age.

There is no coverage for the portion of a trip beyond the maximum number of days. In determining your coverage period, you must count both the day of departure and the day of return as 1 full day.

In the event of a Medical Emergency, and assuming your claim meets all other eligibility criteria, the following expenses are eligible for reimbursement:

• Hospital accommodation, medical expenses and doctor charges
• Private duty nursing
• Diagnostic services
• Ambulance service
• Emergency air transport to your province or territory of residence
• Prescription drug reimbursement
• Accidental dental injury care
• Medically necessary appliances such as wheelchair rental or crutches
• Return airfare
• Transportation of a family member to bedside
• Vehicle return
• Return of deceased

Please refer to your Certificate of Insurance for detailed terms, limitations and exclusions.

The maximum benefit amount is $1,000,000 (in Canadian dollars) for each insured person on a trip.

There are also maximums which apply to some of the individual types of covered expenses, such as accidental dental injury. Please read the Certificate of Insurance for details.

Illnesses relating to pre-existing conditions are not covered. Please see the Certificate of Insurance for detailed information.

You must call the administrator as soon as possible and without delay. If you do not contact the administrator at the time of the Medical Emergency, benefits may be reduced and coverage may be limited. Someone else may call on your behalf, so it is important to have the telephone numbers with you at all times.

The administrator can be contacted 24 hours a day:

• 1-866-892-8683 from within Canada and the United States, or 613-634-4997 locally or collect from other countries.

The administrator will confirm coverage details to medical providers, provide directions to the nearest appropriate medical facility, provide authorization of payment of eligible expenses and manage the medical emergency on your behalf. They will make every effort to pay or authorize payment of eligible expenses directly to the various medical providers. If direct payment is not possible, you may be required to make payments yourself. In that case, you will be reimbursed for your eligible expenses on submission of a valid claim.

Car Rental Collision/Loss Damage Waiver Insurance is available with the President’s Choice Financial World Elite Mastercard.

Insured persons under this coverage include:

• The Cardholder
• Any other person who holds a valid driver’s license and has the Cardholder’s permission to operate the rental vehicle

Yes, if you give express permission, and your friend qualifies under the car rental company’s policies, coverage would be available as per the terms and conditions of the Certificate of Insurance.

You will be eligible for coverage if:

• The car rental is pre-paid on the account and,
• The card is provided for any additional charges when you initiate the rental

In the event of a claim, you will be asked to provide a copy of the voucher or invoice paid to the online agency indicating that the rental was paid on the Card.

The rental is governed by the terms and conditions of the car rental company. If the car rental company allows the car to be driven outside of the country of rental, it will be indicated. If there is an additional fee charged by the rental car company to allow it to be driven to specific countries and this is paid on your account, coverage will be provided. If there is an incident in a country where the rental contract does not permit the car to be driven, there will be no coverage provided.

Luxury rental cars are not covered. They fall under the category of cars over $65,000.00 that are excluded from coverage in the Certificate of Insurance. Please review the Certificate of Insurance for detailed terms, limitations and exclusions.

The Certificate of Insurance states that the rental period cannot be extended by renewing the rental agreement or by taking out a new rental agreement with the same or another rental agency. In the event of a claim, the claims examiner will review the circumstances and determine if the terms of the Certificate of Insurance were adhered to.

Car Rental Collision/Loss Damage Waiver insurance pays for damage to the rental car. There is no coverage for damage to property or to other vehicles. Generally the rental car company will provide third party coverage. In foreign jurisdictions you may want to clarify what coverage is provided as standard under the car rental company’s insurance.

Car Rental Collision/Loss Damage Waiver insurance only covers damage to the rental car and does not pay for any claims for injury whether or not the injured person was the person who rented the car, a passenger or a third party. You should check with your personal automobile insurer and the rental agency to ensure that you and all other drivers have adequate third party liability, personal injury and damage to property coverage.

The van would be covered if:

• It is for private use
• It has appropriate seating for up to 8 occupants (including the driver)
• You are not charging a fee to any of the occupants

Coverage would not be available if the vehicle cost is sponsored or a third-party payment is made for driving the group.

There is no coverage for operation of the vehicle on roads that are not regularly maintained. At the time of the incident, the claims examiner will contact the relevant highway authority and make the decision based on the information publicly available.

Tires are only covered if the damage is due to an insured cause, such as a collision or theft.

The types of rental vehicles covered include cars and sports utility vehicles. Mini-vans are also covered if they are (1) for private passenger use, (2) have seating from no more than 8 occupants including the driver and, (3) are not used for hire. Covered vehicles must have a suggested retail price of less than $65,000 (including taxes). Please see the Certificate of Insurance for a detailed list of vehicles excluded from this coverage.

It depends on the province in which you live, the type of policy you have, and the country you are visiting. Each policy should be thoroughly checked for the specific terms and conditions associated with rental vehicles. If you are not sure of the extent of your policy's coverage, ask your insurance agent or your insurer.

Purchase Assurance is available with the following cards:

• President’s Choice Financial Mastercard
• President’s Choice Financial World Mastercard
• President’s Choice Financial World Elite Mastercard

Most new items purchased with your Card are covered in the event of loss, theft or damage. Items are covered for 90 days from the purchase date.

Purchase Assurance coverage provides for replacement or reimbursement of the purchase price of the item. As a result, the administrator will either: (1) ask you to replace your product with a comparable model and send us a receipt for reimbursement or; (2) reimburse you the lesser of the replacement price or the original purchase price paid.

Gifts are covered under Purchase Assurance, but the cardholder must submit the claim. Proof of purchase would have to be provided and the damaged item may need to be returned to the administrator.

The administrator will require proof of purchase. They may also require that the broken product be returned to them for verification and substantiation of the claim.

If the cost of the product was fully charged to the account through Pay-Pal and is an insured item it would be covered. It would not be covered for Purchase Assurance until it was delivered and accepted by you in undamaged condition. If it was damaged in transit/delivery, a claim should be made with the courier/post office.

Extended Warranty is available with the following cards:

• President’s Choice Financial Mastercard
• President’s Choice Financial World Mastercard
• President’s Choice Financial World Elite Mastercard

Extended Warranty coverage provides the cardholder with double the period of repair services provided by the original Manufacturer’s Warranty, up to one full year. The term of extended coverage begins upon the expiration of the original Manufacturer’s Warranty.

Here’s some examples:

The Extended Warranty coverage provides one year of coverage from the expiration of the original Manufacturer’s Warranty. In this case, the extended warranty included with your Card would overlap with the extended warranty purchased from the store. As a result, there is no coverage available in the third year. If you did have a claim during the extended warranty period, you would submit your claim to the provider of the extended warranty product that you purchased first.

If the cost of the product was fully charged to the account through Pay-Pal and is an insured item it would be covered. It is covered once it is delivered and accepted by you in undamaged condition.

No, as the original manufacturer is responsible during the initial warranty period.

Yes, you can file a claim on our website.

Here’s how it works:

1. Enter the first 6 digits of your credit card number.
2. Select your credit card type (if applicable).
3. Complete the fields to create an account. If you already have an account, login.
4. On the “My Account” page, click “File a Claim”.
5. Select your coverage type from the dropdown menu at the top of the page.
6. Click “File a Claim” under the description of the coverage.
7. Complete the claim form. Please be aware that missing information may cause a delay of your claim.
8. Click “Save and Exit” to save your progress and come back later to complete the form.
9. If all information has been entered, click “Upload Supporting Documents”.
10. On the “Upload Supporting Documents” page click browse beside each required document. You can either browse for a document or take a picture from your phone.
11. If all documents have been uploaded, click “Review” to proceed to the review page. If you would like to come back later to upload more documents click “Save and Exit”
12. On the “Confirm Your Claim Information” page please carefully review the information to ensure you have entered the correct details. Then click “Continue”
13. Carefully review and accept the authorization and then click “Submit Claim”.
14. You will receive a message that your claim has been submitted.

You can check the status of a claim on our website. Just enter your email address and password to login to your account.

Yes at anytime throughout the claim process you can click “Save and Exit”. This will save your progress so you can come back later to add information or upload supporting documents.

When you have the necessary information you can login to your account to add more information and upload additional documents for your claim.

You can file a claim right here on our website! However, if you would like a hard copy claim form you can give us a call and one of our Customer Service Representatives will send a claim form to you.

You can submit your claim by any of the following methods:

* We cannot guarantee the security or privacy of your e-mail correspondence with AMEX Assist. You should consider whether it is appropriate to use e-mail to send confidential messages or information to us.

Please note that you are responsible for any charges incurred for the completion of all forms, and the provision of all supplemental documentation. An incomplete submission of the requested documentation and claim form could result in a delay of the assessment of your claim. 

Once your claim form and all supporting documentation have been received, it typically takes approximately 5 - 10 business days for us to assess your claim.  Keep in mind that any missing or incomplete information will cause delays in the claim review process.  It is important that you read your claim form and instructions carefully and provide all required information.

You may, but please be aware that missing information will cause delays in the approval process.  Therefore it is important that you read your claim form and instructions carefully, and provide all required information.  We will not be able to approve any claims without ALL required information and documentation.

If you would like to change your password, you must login to your account. Once logged in scroll to the “Profile” section of the “My Account Page” and update your password.

To protect your privacy and personal information, the site currently allows only one email address to be used per profile.

Yes, in order to use this website your browser must accept cookies.

No, JavaScript does not need to be turned on, but enabling it will enhance your browsing experience.

Yes, we take information security very seriously. The database that stores your profile information is located in a secure facility and all personal information stored in the database is encrypted. Encryption is a secure way of coding the information in a file so that if it's intercepted by a third party as it travels over a network, it cannot be read.

Only the person or persons that have the right type of decoding software can unscramble this encrypted message. Thus, your encrypted information can only be read by this website. Internet Explorer, Firefox, Chrome, and Safari support the recommended 128-bit key length encryption.

In addition, this website is encrypted using SSL (Secure Socket Layer) encryption. So even when being displayed on your computer screen, access to your information is still restricted. To further help protect your privacy this website will also automatically log you out after 15 minutes of inactivity.

Please review our Privacy Policy if you have questions or concerns about our security system.

Please contact us if the website isn’t working properly.

Yes, you can file a claim on our website.

Here’s how it works:

1. Enter the first 6 digits of your credit card number.
2. Select your credit card type (if applicable).
3. Complete the fields to create an account. If you already have an account, login.
4. On the “My Account” page, click “File a Claim”.
5. Select your coverage type from the dropdown menu at the top of the page.
6. Click “File a Claim” under the description of the coverage.
7. Complete the claim form. Please be aware that missing information may cause a delay of your claim.
8. Click “Save and Exit” to save your progress and come back later to complete the form.
9. If all information has been entered, click “Upload Supporting Documents”.
10. On the “Upload Supporting Documents” page click browse beside each required document. You can either browse for a document or take a picture from your phone.
11. If all documents have been uploaded, click “Review” to proceed to the review page. If you would like to come back later to upload more documents click “Save and Exit”
12. On the “Confirm Your Claim Information” page please carefully review the information to ensure you have entered the correct details. Then click “Continue”
13. Carefully review and accept the authorization and then click “Submit Claim”.
14. You will receive a message that your claim has been submitted.

You can check the status of a claim on our website. Just enter your email address and password to login to your account.

Yes at anytime throughout the claim process you can click “Save and Exit”. This will save your progress so you can come back later to add information or upload supporting documents.

When you have the necessary information you can login to your account to add more information and upload additional documents for your claim.

You can file a claim right here on our website! However, if you would like a hard copy claim form you can give us a call and one of our Customer Service Representatives will send a claim form to you.

You can submit your claim by any of the following methods:

* We cannot guarantee the security or privacy of your e-mail correspondence with Benefit Assist. You should consider whether it is appropriate to use e-mail to send confidential messages or information to us.

Please note that you are responsible for any charges incurred for the completion of all forms, and the provision of all supplemental documentation. An incomplete submission of the requested documentation and claim form could result in a delay of the assessment of your claim. 

Once your claim form and all supporting documentation have been received, it typically takes approximately 5 - 10 business days for us to assess your claim.  Keep in mind that any missing or incomplete information will cause delays in the claim review process.  It is important that you read your claim form and instructions carefully and provide all required information.

You may, but please be aware that missing information will cause delays in the approval process.  Therefore it is important that you read your claim form and instructions carefully, and provide all required information.  We will not be able to approve any claims without ALL required information and documentation.

If you would like to change your password, you must login to your account. Once logged in scroll to the “Profile” section of the “My Account Page” and update your password.

To protect your privacy and personal information, the site currently allows only one email address to be used per profile.

Yes, in order to use this website your browser must accept cookies.

No, JavaScript does not need to be turned on, but enabling it will enhance your browsing experience.

Yes, we take information security very seriously. The database that stores your profile information is located in a secure facility and all personal information stored in the database is encrypted. Encryption is a secure way of coding the information in a file so that if it's intercepted by a third party as it travels over a network, it cannot be read.

Only the person or persons that have the right type of decoding software can unscramble this encrypted message. Thus, your encrypted information can only be read by this website. Internet Explorer, Firefox, Chrome, and Safari support the recommended 128-bit key length encryption.

In addition, this website is encrypted using SSL (Secure Socket Layer) encryption. So even when being displayed on your computer screen, access to your information is still restricted. To further help protect your privacy this website will also automatically log you out after 15 minutes of inactivity.

Please review our Privacy Policy if you have questions or concerns about our security system.

Please contact us if the website isn’t working properly.