What does the insurance of my Gold American Express Card Scotia Bank card cover?

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Victor
Victor
Credit card insurance expert @Hellosafe
The Scotiabank Gold American Express Card offers extensive insurance coverage across several categories.
Travel insurance
Mountain stay
Car rental
For travel abroad, it includes Emergency Medical Insurance of up to $1 million CAD for trips lasting up to 25 days for travelers under 65 and up to 3 days for those aged 65 and older. It also provides Trip Cancellation Insurance of up to $1,500 CAD per insured person and Trip Interruption Insurance of up to $1,500 CAD per insured person, ensuring protection against unexpected travel disruptions. Additionally, it offers Flight Delay Insurance of up to $500 CAD and Baggage Delay and Loss Insurance of up to $1,000 CAD per trip.
For winter sports enthusiasts, the card does not specify coverage tailored to snow or mountain activities. While general travel protections may indirectly assist during emergencies at winter destinations, the lack of specialized coverage makes it a less suitable choice for avid winter sports travelers.
When it comes to car rentals, the card includes Rental Car Collision/Loss Damage Insurance, covering vehicles up to $65,000 in value for rental periods of up to 48 days. This eliminates the need for additional coverage from rental agencies, offering significant cost savings. However, the card does not include third-party liability insurance, so users should arrange for supplementary coverage if needed.

Travel Insurance Card Gold American Express Scotia Bank

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On site
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Car Rental Insurance Card Gold American Express Scotia Bank

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Content Insurance Card Gold American Express Scotia Bank

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FAQ - Scotia Bank Gold American Express

faq

How can I contact customer support?

For inquiries related to your Scotiabank Gold American Express Card, contact 1-888-860-7093, available 24/7.

How do I report a claim?

To report a claim, contact the insurance provider at 1-800-263-0997. All claims must be filed within 90 days of the incident.

Who is insured?

Coverage includes the primary cardholder, their spouse, and eligible dependent children as defined in the policy.

How can I obtain an insurance certificate?

You can obtain an insurance certificate by calling Scotiabank customer service at 1-888-860-7093.

For which sports activities am I not insured?

Excluded activities include high-risk sports such as skydiving, bungee jumping, and motor racing.

From when am I covered, and for how long?

Coverage begins on the departure date and ends upon your return to your province or territory of residence.

In which countries am I covered? Am I covered worldwide?

Yes, coverage is valid worldwide but subject to exclusions and conditions as outlined in the policy.

To benefit from the coverage, does the trip need to be paid in full with the card?

Yes, the trip or purchase must be fully paid for with your Scotiabank Gold American Express Card to be eligible for coverage.

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