What does the insurance of my Air Miles No Fees Business Mastercard BMO card cover?

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

• You or your travel companion experience an accidental injury, death, or illness that prevents travel.
• A change in military orders for you or your spouse.
• Severe weather that makes it unsafe to start or continue a trip. This includes weather at the trip’s starting point before departure and along the travel route before departure.
• Significant property damage such as water damage, burglary, fire, etc., occurring at your home.
• Travel warning issued by the U.S. government near your home or destination.
  It allows reimbursement of prepaid, non-refundable travel expenses paid with the card if you need to cancel your trip for covered reasons. It does not include event tickets such as museum tickets or golf courses booking.

Example: Jessica 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 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 benefit provides reimbursement if your luggage is lost, stolen, or damaged during a trip with a public carrier.

Example: Sarah, returning from Barcelona, discovers at Philadelphia 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).

Cette garantie offre une protection et une assistance en cas d'accidents survenant lors de voyages réservés avec votre carte pour le titulaire de la carte et sa famille (conjoint, enfants..). Elle couvre les frais médicaux, l'assistance médicale d'urgence, l'indemnisation en cas de décès ou d'invalidité, le remboursement des frais de voyage interrompu, l'aide en cas de perte de documents et la protection des bagages. Cette assurance s'applique lors de l'utilisation de transports publics (trains, bus, taxis..) mais aussi avec une voiture de location.

Exemple : En utilisant un taxi payé avec sa carte pour se rendre à l'aéroport, Laura est blessée dans un accident. L'assurance prend entièrement en charge toutes les dépenses pour être soignée et être rapatriée chez elle.

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.

The trip interruption must be caused by or result from:

• The death, accidental bodily Injury, disease or physical illness of you or your family members
• Default of the carrier resulting from financial insolvency.

This benefit covers your rental against theft and collisions. This coverage is active for the first 31 days of your rental. Damage to other driver's car, injuries to other people and damage to anything are not covered.

This benefit covers your rental against theft and collisions. This coverage is active for the first 31 days of your rental. Damage to other driver's car, injuries to other people and damage to anything are not covered.

This benefit extends your original warranty by an additional year if the original warranty was less than 3 years. The coverage is limited to the item's original purchase price (as shown on your credit card receipt), minus shipping and handling fees, with a maximum limit of $1000 per claim.

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 purchase protection insurance covers theft or accidental damage of items fully paid with the card or the card's loyalty points up to 90 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.