Learn more about the detailed breakdown of insurance benefits for the Visa Infinite card.

Out of province/country emergency medical insurance

This insurance covers you and your family (Spouse and Dependent Children only) for up to $1,000,000 in emergency medical expenses while travelling outside your home province or country.

Summary of insurance benefits:

• Coverage: Up to $1,000,000 for emergency medical treatment.
• Eligibility: Insureds under age 65 only.
• Coverage duration: You're covered for the first 14 consecutive days of your trip.
• Benefits include:
  • Hospital and medical expenses
  • Emergency dental expenses (up to $2,000 for accidental dental injury, $200 for dental pain)
  • Emergency air transportation/evacuation
  • Return of deceased (up to $5,000)
  • Additional hotel and meal expenses (up to $150/day, maximum $1,500)
• Exclusions & limitations: Refer to pages 8-9 of the certificate of insurance.

Trip cancellation/trip interruption insurance

If you need to cancel or interrupt your trip due to a covered reason, you may be reimbursed for up to $1,000 per eligible person, with a maximum of $3,000 per trip. Your trip cancellation/trip interruption insurance covers trips booked and paid for on or after September 1, 2025.

Summary of insurance benefits:

• Coverage: Up to $1,000 per eligible person (maximum $3,000 per trip).
• Eligibility: The full cost of the trip must be charged to your card.
• Covered interruption reasons: Refer to page 14 of the certificate of insurance.
• Covered cancellation reasons: Refer to pages 13-14 of the certificate of insurance.
• Exclusions & limitations: Refer to page 15 of the certificate of insurance.

Delayed & lost baggage insurance

This insurance can cover you for emergency purchases if your baggage is delayed for more than 6 hours. It can also cover lost or damaged baggage. Delayed and lost baggage insurance covers airline tickets booked and paid for on or after September 1, 2025.

Summary of insurance benefits:

• Coverage:
  • Delayed baggage by more than 6 hours: Up to $500 for emergency purchases
  • Lost/damaged baggage: Up to $750 for lost checked baggage and contents.
  • Maximum combined coverage: $1,000
• Eligibility: The full cost of an airline ticket must be charged to your card.
• Coverage duration: You can make emergency purchases if your baggage is delayed for more than 6 hours. Be sure to make your purchases within 96 hours (4 days) of your arrival.
• Exclusions & limitations: Refer to pages 18-19 of the certificate of insurance.

Flight delay insurance

This insurance can cover you for up to $1,000 in reasonable and necessary expenses, such as hotel accommodations, meals, refreshments, and emergency purchases, incurred when a traveller faces a missed connection, denied boarding, or a flight delay of at least three hours. Flight Delay Insurance provides coverage when airline tickets are booked and paid for after the effective date of February 3, 2026.

Summary of insurance benefits:

• Coverage: Up to $1,000 for reasonable and necessary expenses (maximum $2,500 per any one occurrence)
• Eligibility: The full cost of an airline ticket must be charged to your card.
• Covered duration:
  • Missed connection: Your coverage begins for a missed connection if your arrival is delayed by more than 3 hours, and the airline doesn't offer you an alternative way to travel within 3 hours of your original departure time.
  • Delayed flight departure: Your coverage begins for a delayed departure if your flight is delayed for more than 3 hours and the airline doesn't offer you an alternative way to travel during that time.
  • Denied onboarding: Your coverage begins if you're denied boarding because a flight is overbooked, you're covered for expenses starting 3 hours after the denial, as long as the airline doesn't offer you another way to travel within 4 hours of your original departure.
• Exclusions: Refer to page 21 of the certificate of insurance.

Purchase security & extended warranty

Purchase security protects new items you buy with your credit card against loss, theft, or damage. Extended warranty coverage automatically doubles the period of repair services provided by the original manufacturer's warranty, up to a maximum of one additional year.

Summary of insurance benefits:

Purchase security

• Coverage: Up to $1,000 per occurrence for a total limit of $10,000 maximum per cardholder.
• Eligibility: The full purchase price of the insured item was charged to your card.
• Covered duration: Up to 90 days after the date of purchase.
• Exclusions: Refer to pages 24-25 of the certificate of insurance.

Extended warranty

• Coverage: Doubles the manufacturer's repair period up to one year.
• Eligibility: The full purchase price of the insured item was charged to your card.
• Covered duration: One full year following the expiry of the manufacturer’s warranty.
• Exclusions: Refer to pages 24-25 of the certificate of insurance.

Mobile phone insurance

You're covered for theft or damage to your phone when you pay your monthly bill with your credit card.

Summary of insurance benefits:

• Coverage: Up to $1,000 per claim, with a $50 deductible.
• Eligibility: You must pay your monthly phone bill with your card.
• Covered duration: Maximum of 2 claims per 12-month period.
• Exclusions: Refer to page 28 of the certificate of insurance.

The Visa Infinite Privilege credit card offers all the same insurance travel benefits as the Visa Infinite card, but with higher coverage limits.

Out of province/country emergency medical insurance

This insurance covers you and your family (Spouse and Dependant Children only) for up to $2,000,000 in emergency medical expenses while you're travelling outside your home province or country.

Summary of insurance benefits:

• Eligibility: Insureds under the age of 65 only.
• Coverage duration: You're covered for the first 14 consecutive days of your trip.
• Benefits include:
  • Hospital and medical expenses
  • Emergency dental expenses (up to $2,000 for accidental dental injury, $200 for dental pain)
  • Emergency air transportation/evacuation
  • Return of deceased (up to $5,000)
  • Additional hotel and meal expenses (up to $150/day, maximum $1,500)
• Exclusions & limitations: Refer to pages 40-41 of the certificate of insurance.

Trip cancellation/interruption insurance

If you need to cancel or interrupt your trip due to a covered reason, you may be reimbursed for up to $1,500 per occurrence, with a maximum of $5,000 per trip. Your trip cancellation/trip interruption insurance covers trips booked and paid for on or after October 1, 2025.

Summary of insurance benefits:

• Coverage: Up to $1,500 per eligible person (maximum $5,000 per trip).
• Eligibility: The full cost of the trip must be charged to your card.
• Covered interruption reasons: Refer to page 46 of the certificate of insurance.
• Covered cancellation reasons: Refer to pages 45-46 of the certificate of insurance.
• Exclusions & limitations: Refer to page 47 of the certificate of insurance.

Delayed & lost baggage insurance

This insurance can cover you for emergency purchases if your baggage is delayed for more than 6 hours. It can also cover lost or damaged baggage. Delayed and lost baggage insurance covers airline tickets booked and paid for on or after October 1, 2025.

Summary of insurance benefits:

• Coverage:
  • Delayed baggage by more than 6 hours: Up to $1,000 for emergency purchases
  • Lost/damaged baggage: Up to $1,000 for lost checked baggage and contents.
  • Maximum combined coverage: $1,250
• Eligibility: The full cost of an airline ticket must be charged to your card.
• Coverage duration: You can make emergency purchases if your baggage is delayed for more than 6 hours. Be sure to make your purchases within 96 hours (4 days) of your arrival.
• Exclusions & limitations: Refer to pages 50-51 of the certificate of insurance.

Flight delay insurance

This insurance can cover you for up to $1,000 in reasonable and necessary expenses, such as hotel accommodations, meals, refreshments, and emergency purchases, incurred when a traveller faces a missed connection, denied boarding, or a flight delay of at least three hours. Flight Delay Insurance provides coverage when airline tickets are booked and paid for after the effective date of February 3, 2026.

Summary of insurance benefits:

• Coverage: Up to $1,000 for reasonable and necessary expenses (maximum $2,500 per any one occurrence)
• Eligibility: The full cost of an airline ticket must be charged to your card.
• Coverage duration: 
  • Missed connection: Your coverage begins for a missed connection if your arrival is delayed by more than 3 hours, and the airline doesn't offer you an alternative way to travel within 3 hours of your original departure time.
  • Delayed flight departure: Your coverage begins for a delayed departure if your flight is delayed for more than 3 hours and the airline doesn't offer you an alternative way to travel during that time.
  • Denied onboarding: Your coverage begins if you're denied boarding because a flight is overbooked, you're covered for expenses starting 3 hours after the denial, as long as the airline doesn't offer you another way to travel within 4 hours of your original departure.
• Exclusions:  Refer to page 53 of the certificate of insurance.

Car rental collision/loss damage insurance

This benefit provides coverage for damage or theft of a rental car.

Summary of insurance benefits:

• Coverage: Maximum limit of $65,000 MSRP
• Eligibility: You charge the full cost of the rental car to your card and decline the rental agency's Collision Damage Waiver (CDW).
• Coverage duration: Up to 31 days of coverage
• Exclusions: Refer to pages 57-58 of the certificate of insurance.

Purchase security & extended warranty

Purchase security protects new items you buy with your credit card against loss, theft, or damage. Extended warranty coverage automatically doubles the period of repair services provided by the original manufacturer's warranty, up to a maximum of one additional year.

Summary of insurance benefits:

Purchase security

• Coverage: Up to $1,000 per occurrence for a total limit of $10,000 maximum per cardholder.
• Eligibility: The full purchase price of the insured item was charged to your card.
• Covered duration: Up to 90 days after the date of purchase.
• Exclusions: Refer to pages 62-63 of the certificate of insurance.

Extended warranty

• Coverage: Doubles the manufacturer's repair period up to one year.
• Eligibility: The full purchase price of the insured item was charged to your card.
• Covered duration: One full year following the expiry of the manufacturer’s warranty.
• Exclusions: Refer to pages 62-63 of the certificate of insurance.

Mobile phone insurance

You're covered for theft or damage to your phone when you pay your monthly bill with your credit card.

Summary of insurance benefits:

• Coverage: Up to $1,000 per claim, with a $50 deductible.
• Eligibility: You must pay your monthly phone bill with your card.
• Covered duration: Maximum of 2 claims per 12-month period.
• Exclusions: Refer to page 66 of the certificate of insurance.