What does the insurance of my Everything Mastercard Koho card cover?

This coverage is activated in the following situations occurring before your trip, fully paid with your card or points:

• Illness requiring medical supervision and preventing departure, as declared by a doctor (including COVID-19).
• Death concerning a travel companion or a close family member.
• Significant property damage such as water damage, burglary, fire, etc., occurring at your home.
• Professional changes: includes dismissal, transfer, or involuntary modification of your leave dates.
  It allows reimbursement of prepaid, non-refundable travel expenses paid with the card if you need to cancel your trip for covered reasons.

Example: Isabelle has to cancel her trip to Europe because she fell seriously ill. Her doctor provides a certificate stating that she is unable to fly for her planned stay in the Balearic Islands. The costs of her flight and hotel are reimbursed by her card insurance.

This guarantee offers protection and assistance in case of accidents occurring during trips booked with your card for the cardholder and their family (spouse, children, etc.). It covers medical expenses, emergency medical assistance, compensation in case of death or disability, reimbursement of interrupted travel expenses, help in case of lost documents, and baggage protection. This insurance applies when using public transportation (trains, buses, taxis, etc.) as well as with a rental car.

Example: While using a taxi paid with her card to get to the airport, Laura is injured in an accident. The insurance fully covers all expenses for her treatment and repatriation home.

This coverage provides protection in the event of a delay of more than -1 hours in the arrival or departure of your scheduled flight with a commercial airline. It covers the following costs incurred due to the delay:

• Meal expenses: meals and refreshments.
• Accommodation: hotel expenses if necessary.
• Transfer costs: including transfers to and from the airport or train station.
• Ticket modifications: for connecting tickets affected by the delay.

This coverage provides protection if your luggage is lost, stolen, or accidentally damaged during check-in with a public carrier or transportation by a public carrier during a trip.

Example: Caroline, returning from Barcelona, discovers at Vancouver airport that her recently purchased suitcase has suffered significant damage to the shell and handle. She follows the procedure by submitting a claim to the appropriate airport service, keeping proof of this action. The next day, she files her insurance claim. As a result, she is eligible for compensation from her insurer, in addition to that offered by the airline.

This coverage is activated in case of baggage delay of -1 hours or more after your arrival. It covers expenses incurred for the purchase of essential items (clothing and toiletries only).

This coverage is activated in the following situations occurring during your trip:

• Illness preventing you from continuing your trip because it requires medical supervision (including COVID-19), as confirmed by a doctor.
• Death of a family member in your home country or a travel companion.
• Transportation delay causing you to miss a connection or preventing you from continuing your trip. Flight cancellation is not a valid reason.
  This coverage includes reimbursement of travel-related expenses (tickets, hotels, etc.) in case of postponement or non-use for one of the mentioned reasons.

Example: Marc was supposed to attend a diving course in Cuba. Unfortunately, he learned of his grandfather's death in Winnipeg. Marc contacted his card assistance to arrange an emergency return to Canada for the funeral. Upon his return, Marc filed a claim with his insurer. As a result, he was reimbursed for the eight hotel nights he couldn't use and the airfare.

This coverage includes the replacement or repair of your personal belongings that are stolen or damaged due to a burglary in your hotel room, motel room, or cruise cabin. Stolen or lost cash and checks are excluded from coverage, as well as burglaries in a vacation rental.

This coverage is activated in case of an accident or serious illness, including COVID-19, requiring medical repatriation. It covers the costs of transportation back to your home.

This guarantee covers you and your family in the event of a medical emergency occurring outside your province of residence or abroad. It includes reimbursement of medical expenses for emergency treatments, hospitalization, and prescribed medications. It may also cover the cost of emergency medical transport to a better-equipped hospital or repatriation for medical reasons to your home province. Coverage is granted when the trip is paid for in full with your card or using loyalty points associated with your card.
You are covered :

• the first 15 consecutive days of a trip, including the departure and return dates, if you are under 65.
• the first 3 consecutive days of a trip, including departure and return dates, if you are 65 or over.

Example: Sarah had an accident while hiking in the Appalachians in the United States. When she was taken to the nearest hospital, doctors found a knee injury requiring immediate surgery. Fortunately, thanks to her insurance, the costs of her hospitalization and helicopter transport to a specialized medical center were fully covered.

This guarantee covers damages to a rented vehicle, provided the rental is fully paid with the card. If you have purchased insurance offered by the rental company, the guarantee reimburses the deductible of that contract in case of an incident.
This coverage does not act as liability insurance and does not cover rentals longer than 48 days.

Example: Max rents a car to explore the coast. One morning, he finds the vehicle damaged. The insurance covers the repair costs. Max doesn't have to pay anything.

This guarantee covers expenses related to the theft of a rented vehicle, provided the rental is fully paid with the card. If you have purchased the insurance offered by the rental company, the guarantee reimburses the deductible of that contract in case of an incident.
This coverage does not act as liability insurance and does not cover rentals longer than 48 days.

Example: Max rents a car to explore the coast. One morning, he discovers that his vehicle has been stolen. The insurance covers the cost of the car. Max doesn't have to pay anything.

The purchase protection insurance covers theft or accidental damage of items fully paid with the card or the card's loyalty points up to -1 days after the purchase date. It provides reimbursement in cash or points for the affected items. Cash, pets, plants, and jewelry are excluded from this coverage.

This coverage protects your mobile device purchased with your card against all risks of accidental loss, accidental damage, or mechanical breakdown for two years from the date of purchase. It covers the costs of repair or replacement of your mobile device.

The extended warranty doubles the manufacturer's warranty up to a maximum of 2 years. The total warranty period cannot exceed 5 years.