Purchase and Travel Insurance

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Travel Accident Insurance If you suffer a loss as a result of an accidental bodily injury sustained while occupying a common carrier, you are eligible for this coverage. Car Rental Insurance If your rental vehicle is damaged or stolen while rented out in your name, you are covered up to the vehicle’s actual cash value plus valid loss of use charges. This insurance plan also includes coverage against the theft of, or damage to, your personal effects, as well as any loss resulting from an accidental bodily injury sustained while in the rental car. Purchase Security Automatically protects new purchases by insuring them for 90 days from the date of purchase in the event of loss, theft or damage. Extended Warranty Either doubles the length of the item’s manufacturer’s warranty coverage or extends it by 1 year—whichever is lesser. Trip Cancellation If you have to cancel your trip before it has even started, your prepaid travel costs will be covered up to a maximum amount if the cause of cancellation is eligible for the insurance. Price Protection If, within a certain amount of time of purchasing an item, its price drops or you find an identical item offered for a lower retail price than what you paid, you will be reimbursed for the difference.
See Below $65,000 Within 90 days of purchase Up to 1 year $2,500 per person
$5,000 per trip
N/A
Trip Interruption & Delay If your trip has to be cut short or is delayed after the scheduled departure date, you will be covered up to a maximum amount if the cause of interruption or delay is eligible for the insurance. Flight Delay If your departing flight is delayed by a certain number of hours, you will be reimbursed up to a certain amount for necessary and reasonable expenses incurred during the delay. Travel Medical Emergency In the event that you require urgent medical care while on a trip outside of your home province, you will be covered for any eligible medical expenses incurred. Lost Baggage In the event that your checked baggage cannot be located by a common carrier, you will be reimbursed for a portion of the replacement cost of lost personal property. Delayed Baggage If your checked baggage is not delivered within a specified time frame from the time of your arrival at your destination, you will be reimbursed for the cost to replace essential items. Hotel/Motel Burglary If, while you are checked in, your personal property is stolen from your hotel/motel room and there is evidence of forceful entry, you will be reimbursed for the stolen property up to a certain amount.
$2,000 per person $500 per trip
(6+ hour delay)
$2,000,000
15 days (Under 65)
$750 per person
$2,000 per trip
$200 per person
(12+ hour delay)
N/A

Select an insurance type in the drop-down menu to get more details:

Travel Accident Insurance

This insurance plan covers you, your spouse and dependent children against the accidental loss of life, limb, sight, speech or hearing while occupying a common carrier or while at the airport, terminal or station at the beginning/end of your trip.

The full amount of the passage fare must be paid for using your BMO Air Miles World Elite MasterCard and/or your earned loyalty points, and the loss must occur within 1 year of the accident in order for coverage to apply.

The maximum benefit payable is:

  • $500,000 for a CAD Dollar MasterCard
  • $100,000 for a U.S. Dollar MasterCard


Benefits

The full benefit amount ($500,000/$100,000) is payable for the accidental loss of:
• Life
• Two or more members
• Sight of both eyes
• Speech and hearing
• Any combination of the above

One half of the benefit amount ($250,000/$50,000) is payable for the accidental loss of:
• One member
• Sight of one eye
• Speech
• Hearing

One quarter of the benefit amount ($125,000/$25,000) is payable for the accidental loss of the thumb and index finger of the same hand.


Limitations & Exclusions

This insurance does not cover loss resulting from:

  • An insured person’s emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection, or bodily malfunctions
  • Suicide, attempted suicide or intentionally self-inflicted injuries
  • Declared or undeclared war, not including acts of terrorism
  • Any accident occurring while an insured person is in, entering or exiting any aircraft while acting or training as a pilot or crew member


How to Make a Claim

Call Allianz Global Assistance at 1-877-704-0341 (Canada or US) immediately or as soon as reasonably possible.

You may be asked to provide one or more of the following:

  • A copy of the invoice showing your BMO Air Miles World Elite MasterCard and/or your loyalty points as the method of payment
  • Certified death certificate, if applicable
  • Medical records pertaining to the accident
  • Police report or any other accident reports filed

Car Rental Insurance

This insurance plan covers you in the event that a) your rental vehicle is damaged or stolen, b) your personal belongings are damaged or stolen while in the rental vehicle, or c) you suffer a loss as a result of an accidental bodily injury sustained while occupying the rental vehicle.

You are eligible for this type of coverage provided that:

  • The full or partial cost of the rental vehicle is charged to your BMO Air Miles World Elite MasterCard or through the redemption of your earned loyalty points
  • You declined the rental agency’s Collision Damage Waiver (CDW) benefits option
  • The length of the rental period doesn’t exceed 48 consecutive days


What Types of Rental Vehicles Are Covered?

You are covered for rental vehicles with a Manufacturer’s Suggested Retail Price (MSRP) up to $65,000 for damage to or theft of the vehicle, valid loss of use charges, and reasonable towing charges.

Types of Vehicles Covered Types of Vehicles Not Covered
  • Cars
  • Sports Utility Vehicles
  • Vans, provided that they:
    • Are for private passenger use
    • Seat a maximum of 8 people including the driver
    • Do not exceed a “3/4 ton” rating
    • Are not designed for recreational use
    • Are not to be used for hire by others
  • Vans that do not meet the listed criteria
  • Trucks, pick-up trucks or any vehicle that can be spontaneously reconfigured into a pick-up truck
  • Campers or trailers
  • Vehicles towing or propelling trailers or any other object
  • Off-road vehicles (any vehicle used on roads that aren’t publicly maintained and/or that has a cargo bed)
  • Motorcycles, mopeds or motorbikes
  • Limousines
  • Expensive or exotic vehicles (any vehicle with an MSRP over $65,000)
  • Antique vehicles (over 20 years old or have not been manufactured for 10 years or more)
  • Recreational vehicles or vehicles not licensed for road use
  • Leased vehicles with a buyback guarantee
  • Rental vehicles used to transport property or passengers for hire or compensation


Personal Effects Benefits

This plan also covers the actual cash value of your personal effects up to $1,000 per insured person for a maximum of $2,000, to protect against theft or damage of your belongings while they are in the rental car during the rental period.

You must make a reasonable effort to protect your personal effects, and benefits are not payable if you lose your personal effects as a result of a mysterious disappearance or if you can’t provide evidence of a forced entry.

Coverage does not extend to the loss of or damage to the following:
• Money (whether paper or coin)
• Tickets
• Consumable or perishable goods
• Bullion
• Banknotes
• Negotiable instruments or other numismatic property


Accidental Death & Dismemberment Benefits

If you, your spouse or your dependent child suffers any of the losses below while occupying a rental car, you are eligible for the corresponding benefit amount. The maximum benefit payable for any one accident is $300,000.

Benefit Amount
Type of Loss Primary Cardholder Each Additional Insured Person
Life $200,000 $20,000
Both Hands or Both Feet $200,000 $20,000
One Foot or One Hand and the Entire Sight of One Eye $200,000 $20,000
Entire Sight of Both Eyes $200,000 $20,000
One Hand and One Foot $200,000 $20,000
Speech and Hearing $200,000 $20,000
One Hand or One Foot $100,000 $10,000
Entire Sight of One Eye $100,000 $10,000
Speech $100,000 $10,000
Hearing $100,000 $10,000
Thumb and Index Finger on the Same Hand $50,000 $5,000

Limitations & Exclusions

No benefits are payable if a claim is a result of one or more of the following:

  • Damage (wear and tear, gradual deterioration, mechanical or electrical breakdown or failure, insects or vermin, inherent flaw or damage, damage caused by incorrect fuel type)
  • Loss or misplacement of vehicle entry device
  • Diminished value of the vehicle for having a significant damage history
  • Violation of the rental car agreement
  • Damage due to intentional acts while sane or insane
  • Off-road operation or speed contests
  • Intoxication or any voluntary taking of drugs or poison
  • Bodily or mental infirmity, sickness, illness, or disease of any kind
  • Medical complications
  • Suicide, attempted suicide or self-inflicted injury while sane or insane
  • Criminal offence, transporting contraband or illegal trade
  • War or insurrection
  • Third party liability insurance (whether automobile, property damage or personal injury)
  • Expenses waived or paid by the rental car company
  • Confiscation by order of any government or public authority
  • Seizure or destruction under a quarantine or customs regulation
  • Financial collapse or default by any transport, tour or accommodation provider
  • Epidemic or pandemic
  • Sanctions
  • Formal travel advisory


How to Make a Claim

Call Allianz Global Assistance at 1-877-704-0341 (Canada or US) within 48 hours of a claim or as soon as possible.

You may be asked for one or more of the following:

  • Copy of your driver’s license
  • A copy of the loss/damage report you completed with the rental agency
  • A copy of the original police report (if loss from damage or theft was over $500)
  • A copy of your credit card statement showing the rental charge
  • A copy of the visual inspection report completed when you took control of the vehicle
  • A copy of or the original rental car agreement
  • Confirmation of the rental period booked
  • A copy of the itemized repair estimate final itemized repair bill and parts invoices
  • Original receipts for any repairs that you may have paid for

Purchase Security

This insurance plan covers most items purchased anywhere in the world for 90 days from the date of purchase. If the item is stolen or damaged, it will be repaired, replaced or you will be reimbursed for the purchase price. Only items that were paid for in full with your BMO Air Miles World Elite MasterCard or obtained through the redemption of loyalty points are covered by this plan.

Note: The combined lifetime maximum of purchase security and extended warranty insurance benefits is $60,000 per account.


Limitations & Exclusions

The following items are not covered:

  • Traveller’s cheques, money (paper or coin), tickets, documents, bullion, banknotes, negotiable instruments or other numismatic property
  • Animals, fish, birds or living plants
  • Consumable and/or perishable goods
  • Mail order purchases or purchases made from an online site, until delivered and accepted by you in perfect condition
  • Golf balls
  • Used and/or pre-owned items, newly purchased items that have been rebuilt, refurbished or returned and re-sold
  • Automobiles, trailers, motorcycles, motorboats, or accessories attached to or mounted on such property, airplanes, motor scooters, snow blowers, riding lawnmowers, golf carts, lawn tractors, motorized wheelchairs or any other motorized vehicles except for miniature electrically powered vehicles intended for children or any of their respective parts or accessories
  • Jewelry, gems, watches and furs or garments trimmed with fur stored in baggage unless such baggage is hand carried under your personal supervision
  • Any and all property items and/or equipment intended for commercial use
  • Items left behind

Claims resulting from the following are not covered:

  • Fraud or abuse
  • Hostilities of any kind (including but not limited to war, invasion, rebellion, insurrection)
  • Confiscation by authorities, risks of contraband, illegal activities
  • Delay, loss of use, or consequential damages
  • Normal wear and tear, gradual deterioration
  • Loss or damage while undergoing any installation process or while being worked on
  • Insects or vermin
  • Flood, earthquake, radioactive contamination
  • Setting, expansion or contraction, bulging, buckling or cracking, temperature changes, freezing, heating, atmospheric changes, dampness or dryness, evaporation and/or leakage of contents, exposure to light, change in texture, finish or colour, rust or corrosion
  • Loss or damage to sports equipment and/or goods due to the use thereof
  • Mysterious disappearance
  • Inherent product defects
  • One of a kind items that cannot be replaced
  • Products purchased with an unconditional guarantee


How to Make a Claim

Call the Allianz Global Assistance Operations Centre at 1-877-704-0341 (Canada or US) immediately after learning of any loss or occurrence to obtain the appropriate claim forms.

In addition to the completed claim form, you may be asked to send one or more of the following:

  • A copy of the original store receipt
  • A copy of your credit card statement reflecting the item purchased
  • Original police report or other report to local authorities
  • Estimate of repairs, if applicable
  • Photo of the damaged item if applicable
  • A copy of the original store receipt for the replacement item, if applicable

Note: If the claim is for a gift, it must be made by the account holder, not the recipient.

Extended Warranty

This insurance plan either doubles the length of the item’s manufacturer’s warranty coverage or extends it by 1 year—whichever is lesser.

This coverage applies automatically to items with warranties that are 5 years or less. Items with warranties greater than 5 years must be registered with the Allianz Global Assistance Operations Centre within 1 year of the date of purchase in order for coverage to apply.

Note: The combined lifetime maximum of purchase security and extended warranty insurance benefits is $60,000 per account.


Limitations & Exclusions

This insurance reflects all terms and conditions of the original manufacturer’s warranty and benefits end automatically when the original manufacturer ceases to carry on business for any reason whatsoever.

The following items are not covered:

  • Used and/or pre-owned items, newly purchased items that have been rebuilt, refurbished or returned and re-sold
  • Automobiles, trailers, motorcycles, motorboats, or accessories attached to or mounted on such property, airplanes, motor scooters, snow blowers, riding lawnmowers, golf carts, lawn tractors, motorized wheelchairs or any other motorized vehicles except for miniature electrically powered vehicles intended for children or any of their respective parts or accessories
  • Items with a lifetime warranty

Claims resulting from the following are not covered:

  • Fraud or abuse
  • Hostilities of any kind (including but not limited to war, invasion, rebellion, insurrection)
  • Confiscation by authorities, risks of contraband, illegal activities
  • Delay, loss of use, or consequential damages
  • Normal wear and tear, gradual deterioration
  • Loss or damage while undergoing any installation process or while being worked on
  • Insects or vermin
  • Flood, earthquake, radioactive contamination
  • Setting, expansion or contraction, bulging, buckling or cracking, temperature changes, freezing, heating, atmospheric changes, dampness or dryness, evaporation and/or leakage of contents, exposure to light, change in texture, finish or colour, rust or corrosion
  • Loss or damage to sports equipment and/or goods due to the use thereof
  • Mysterious disappearance
  • Inherent product defects
  • One of a kind items that cannot be replaced
  • Products purchased with an unconditional guarantee


How to Make a Claim

Call the Allianz Global Assistance Operations Centre at 1-877-704-0341 (Canada or US) immediately after learning of any loss or occurrence to obtain the appropriate claim forms.

In addition to the completed claim form, you may be asked to send one or more of the following:

  • A copy of the original store receipt
  • A copy of your credit card statement reflecting the item purchased
  • A copy of the original manufacturer’s warranty
  • A copy of the repair bill or estimate from the manufacturer’s authorized repair facility
  • A copy of the original store receipt for the replacement item, if applicable

Note: If the claim is for a gift, it must be made by the account holder, not the recipient.

Trip Cancellation

If you have to cancel your trip before it has even started, you will be reimbursed for the portion of your trip which is prepaid and non-refundable or non-transferable to another date, up to $2,500 per person and up to $5,000 for the entire trip.

The primary cardholder, his or her spouse and dependent children are all eligible to receive benefits under this insurance. The coverage period starts on the date that your trip is booked with a travel agent/supplier and runs either until your scheduled departure date or the cancellation date—whichever is earliest.

Note: Coverage applies only when the full or partial cost of the trip is charged to your BMO Air Miles World Elite MasterCard.


Covered Causes for Cancellation

  • Unexpected death, sickness, injury, or quarantine of an insured person or an insured person’s travel companion (requires doctor’s note advising you to cancel the trip)
  • Unexpected death, sickness, injury, or quarantine of an insured person’s immediate family member or travel companion’s immediate family member (requires doctor’s note advising you to cancel the trip)
  • Unexpected death, sickness or injury of a caregiver who was contracted to care for a dependent during an insured person’s absence (requires doctor’s note advising you to cancel the trip)
  • Complications of an insured person’s or travel companion’s pregnancy within the first 28 weeks or complications following the normal full term birth of a child
  • Side effects and/or adverse reactions to vaccinations required for your trip
  • Hospitalization or death of the host at your principal destination
  • Cancellation of a planned business meeting due to death or hospitalization of the person with whom the insured person is to meet
  • Cancellation of a conference due to circumstances beyond the control of the insured person or their employer (requires proof of registration)
  • Selection for jury duty or subpoena to appear as a witness in court of an insured person or travel companion
  • Disaster rendering an insured person’s or travel companion’s home uninhabitable or place of business unusable
  • Employment transfer of an insured person which requires a change in their permanent residence
  • Call to service by the Canadian Government of an insured person who is a military, police or fire reservist
  • Refusal of an insured person’s or travel companion’s visa application for the destination country provided that:
    • They are eligible to apply
    • Refusal is not due to late application
    • Application is not a subsequent attempt for a visa that was previously refused
  • Involuntary loss of an insured person’s employment provided that they had no knowledge of this loss when they booked the trip (requires letter of termination)
  • Travel Advisory issued by the Canadian Government for the insured person’s ticketed destination after the trip was booked
  • Default by a travel supplier that stops all service completely as a result of bankruptcy or insolvency
  • Delay causing an insured person to miss the scheduled departure due to:
    • Inclement weather
    • Mechanical failure or accident of a common carrier
    • Traffic accident or emergency police-directed road closure
  • Weather conditions delaying an insured person’s scheduled connecting carrier for 30% or more of the total duration of the trip and they choose not to continue with the trip


Limitations & Exclusions

This insurance does not cover, provide services for or pay claims resulting from:

  • Circumstances which you were aware of at the time you booked your trip
  • Pre-existing medical conditions (6 months if you’re under 65 and 12 months if you’re 65 or over)
  • Pregnancy, miscarriage, childbirth or complications of any of these conditions within 9 weeks of the expected date of birth
  • Riot or civil disorder, committing or attempting to commit a criminal offence
  • Intentional self-injury, suicide or attempted suicide while sane or insane
  • Abuse of any medication or non-compliance with prescribed medical treatment/therapy
  • Mental, nervous or emotional disorders that do not require immediate hospitalization
  • Any injury or accident occurring while the insured person is under the influence of illicit drugs or alcohol
  • Any chronic illness or hospitalization related to, or exacerbated by, the habitual use of alcohol or illicit drugs
  • The insured person voluntarily and knowingly exposing himself or herself to risk from:
    • An act of war, whether declared or undeclared
    • Rebellion or revolution
    • Hijacking or terrorism
    • Any service in the armed forces
  • Participation in professional sports, any speed contests, scuba diving, hang-gliding, sky diving, parachuting, bungee jumping, parasailing, spelunking, mountaineering, rock climbing or a flight accident
  • Any trip commenced or continued against the advice of the insured person’s physician
  • Failure of any travel supplier or of any travel agent, agency or broker
  • Non-presentation of required travel documents (visa, passport, etc.)
  • Death or serious illness of a person when the purpose of the trip is to provide support and physical care for them


How to Make a Claim

Cancel your trip and then call the Allianz Global Assistance Operations Centre at 1-877-704-0341 (Canada or US) within 48 hours of the event that caused you to cancel your trip. Failure to do so may reduce the amount payable.

Trip Interruption & Delay

If, after you’ve already departed, your trip is unexpectedly cut short or delayed, you will be reimbursed for the extra cost of a one-way economy airfare back to your departure point or to your destination point, and for any unused non-refundable land and travel arrangements up to a maximum of $2,000 per person.

If you are delayed in reaching the next part of your trip as a result of one of the covered causes for interruption, your necessary and reasonable costs of commercial accommodation and meals are also covered up to $150 a day per insured person.

The primary cardholder, his or her spouse and dependent children are all eligible to receive benefits under this insurance. The coverage period starts on the date that you depart for your trip and runs until you return to your point of departure.

Note: Coverage applies only when the full or partial cost of the trip is charged to your BMO Air Miles World Elite MasterCard.


Covered Causes for Interruption

  • Unexpected death, sickness, injury, or quarantine of an insured person or an insured person’s travel companion (requires doctor’s note advising you to interrupt or delay the trip)
  • Unexpected death, sickness, injury, or quarantine of an insured person’s immediate family member or travel companion’s immediate family member (requires doctor’s note advising you to interrupt or delay the trip)
  • Unexpected death, sickness or injury of a caregiver who was contracted to care for a dependent during an insured person’s absence (requires doctor’s note advising you to interrupt or delay the trip)
  • Complications of an insured person’s or travel companion’s pregnancy within the first 28 weeks or complications following the normal full term birth of a child
  • Side effects and/or adverse reactions to vaccinations required for your trip
  • Hospitalization or death of the host at your principal destination
  • Cancellation of a planned business meeting due to death or hospitalization of the person with whom the insured person is to meet
  • Cancellation of a conference due to circumstances beyond the control of the insured person or their employer (requires proof of registration)
  • Selection for jury duty or subpoena to appear as a witness in court of an insured person or travel companion
  • Call to service by the Canadian Government of an insured person who is a military, police or fire reservist
  • Disaster rendering an insured person’s or travel companion’s home uninhabitable or place of business unusable
  • Weather conditions delaying an insured person’s scheduled connecting carrier for 30% or more of the total duration of the trip and they choose not to continue with the trip
  • Hijacking of the common carrier while the insured person is en route to scheduled destination point
  • Travel Advisory issued by the Canadian Government for the insured person’s ticketed destination after they’ve departed on the trip


Limitations & Exclusions

This insurance does not cover, provide services for or pay claims resulting from:

  • Circumstances which you were aware of at the time you booked your trip
  • Pre-existing medical conditions (6 months if you’re under 65 and 12 months if you’re 65 or over)
  • Pregnancy, miscarriage, childbirth or complications of any of these conditions within 9 weeks of the expected date of birth
  • Riot or civil disorder, committing or attempting to commit a criminal offence
  • Intentional self-injury, suicide or attempted suicide while sane or insane
  • Abuse of any medication or non-compliance with prescribed medical treatment/therapy
  • Mental, nervous or emotional disorders that do not require immediate hospitalization
  • Any injury or accident occurring while the insured person is under the influence of illicit drugs or alcohol
  • Any chronic illness or hospitalization related to, or exacerbated by, the habitual use of alcohol or illicit drugs
  • The insured person voluntarily and knowingly exposing himself or herself to risk from:
    • An act of war, whether declared or undeclared
    • Rebellion or revolution
    • Hijacking or terrorism
    • Any service in the armed forces
  • Participation in professional sports, any speed contests, scuba diving, hang-gliding, sky diving, parachuting, bungee jumping, parasailing, spelunking, mountaineering, rock climbing or a flight accident
  • Any trip commenced or continued against the advice of the insured person’s physician
  • Failure of any travel supplier or of any travel agent, agency or broker
  • Non-presentation of required travel documents (visa, passport, etc.)
  • Death or serious illness of a person when the purpose of the trip is to provide support and physical care for them


How to Make a Claim

Call the Allianz Global Assistance Operations Centre at 1-877-704-0341 (Canada or US) within 48 hours of the event that forced your trip to be interrupted/delayed. Failure to do so may reduce the amount payable.

You may be asked to provide one or more of the following:

  • A statement completed by the physician in attendance where the sickness or injury occurred, stating the diagnosis and the complete reason for the necessity of your trip delay
  • Documentary evidence of the emergency situation which caused the delay
  • Any tickets or receipts for any extra transportation costs incurred

Flight Delay

In the event that your scheduled arrival or departure is delayed for 6 hours or more, you will be reimbursed up to $500 per trip for reasonable, additional accommodation and travelling expenses incurred while delayed.

Note: Coverage applies only when the full or partial cost of the trip is charged to your BMO Air Miles World Elite MasterCard and expenses must be incurred as a result of the delay.


Limitations & Exclusions

This insurance does not cover, provide services for or pay claims resulting from:

  • Circumstances which you were aware of at the time you booked your trip
  • Pre-existing medical conditions (6 months if you’re under 65 and 12 months if you’re 65 or over)
  • Pregnancy, miscarriage, childbirth or complications of any of these conditions within 9 weeks of the expected date of birth
  • Riot or civil disorder, committing or attempting to commit a criminal offence
  • Intentional self-injury, suicide or attempted suicide while sane or insane
  • Abuse of any medication or non-compliance with prescribed medical treatment/therapy
  • Mental, nervous or emotional disorders that do not require immediate hospitalization
  • Any injury or accident occurring while the insured person is under the influence of illicit drugs or alcohol
  • Any chronic illness or hospitalization related to, or exacerbated by, the habitual use of alcohol or illicit drugs
  • The insured person voluntarily and knowingly exposing himself or herself to risk from:
    • An act of war, whether declared or undeclared
    • Rebellion or revolution
    • Hijacking or terrorism
    • Any service in the armed forces
  • Participation in professional sports, any speed contests, scuba diving, hang-gliding, sky diving, parachuting, bungee jumping, parasailing, spelunking, mountaineering, rock climbing or a flight accident
  • Any trip commenced or continued against the advice of the insured person’s physician
  • Failure of any travel supplier or of any travel agent, agency or broker
  • Non-presentation of required travel documents (visa, passport, etc.)
  • Death or serious illness of a person when the purpose of the trip is to provide support and physical care for them


How to Make a Claim

Call the Allianz Global Assistance Operations Centre at 1-877-704-0341 (Canada or US) immediately and notify them of your circumstance. You will be required to submit original, itemized receipts for any expense that you incur as a result of the delay as well as a report from the common carrier verifying the cause and duration of the delay.

Travel Medical Emergency

In the event of a medical emergency occurring during the first 15 days of a trip outside of your home province, you will be covered up to $2,000,000 for any medical expenses incurred.


Eligibility

In order to receive benefits under this insurance you must:

  • Be a resident of Canada under 65 years of age
  • Be covered by GHIP (Government Health Insurance Plan)
  • Have your credit card account in good standing (if you’re the primary cardholder)
  • Be the spouse or dependent child of the primary cardholder

If an insured person has a medical emergency at the end of the trip’s coverage period, or an insured person misses their scheduled return date due to a delay either of a common carrier or of their personal means of transportation, then coverage is automatically extended by 3 days.


Coverage Benefits

These benefits cover reasonable and customary charges for the following services arising from a medical emergency.

  • Emergency hospital, ambulance & medical expenses
  • Private duty nursing expenses (up to $5,000)
  • Emergency air transportation or evacuation (must be approved and arranged in advance by Allianz)
  • Other professional services (physiotherapist, chiropractor, osteopath, chiropodist or podiatrist) (up to $150 per discipline)
  • Emergency dental care expenses (up to $2,000) (emergency relief of dental pain covered up to $150)
  • Transportation to the bedside (includes one round-trip economy airfare plus lodging and meals up to $250 for an immediate family member)
  • Return of deceased (up to $3,000)
  • Additional hotel and meal expenses (up to $200 a day for up to 10 days in the event of a trip delay due to a medical emergency)
  • Return of vehicle (up to $1,000)


Limitations & Exclusions

This insurance does not cover, provide services for or pay claims resulting from:

  • Pre-existing medical conditions
  • The continued treatment, recurrence or complication of a medical condition following emergency treatment, if a medical advisor determines you’re able to return to Canada and you choose not to
  • Any medical condition for which you delayed or refused further treatment which was recommended by your physician before your departure date
  • Surgeries and procedures which are not approved prior to being performed, except in extreme circumstances
  • Treatment not performed by or under the supervision of a physician or dentist
  • Pregnancy, routine pre-natal care, miscarriage, childbirth or complications of any of these conditions within 9 weeks of the expected date of birth
  • Riot or civil disorder, committing or attempting to commit a criminal offence
  • Intentional self-injury, suicide or attempted suicide while sane or insane
  • Abuse of any medication or non-compliance with prescribed medical treatment/therapy
  • Mental, nervous or emotional disorders that do not require immediate hospitalization
  • Any injury or accident occurring while the insured person is under the influence of illicit drugs or alcohol
  • Any chronic illness or hospitalization related to, or exacerbated by, the habitual use of alcohol or illicit drugs
  • The insured person voluntarily and knowingly exposing himself or herself to risk from:
    • An act of war, whether declared or undeclared
    • Rebellion or revolution
    • Hijacking or terrorism
    • Any service in the armed forces
  • Drugs and medication, which are commonly available without a prescription or which are not legally registered and approved in Canada
  • Prescription refills
  • Replacement of lost or damaged eyeglasses, contact lenses or hearing aids
  • Participation in professional sports, any speed contests, full-contact sports, scuba diving, hang-gliding, sky diving, parachuting, bungee jumping, parasailing, spelunking, mountaineering, rock climbing, heli-skiing, skiing outside of marked trails, or air travel other than as a ticketed passenger
  • Any trip commenced or continued against the advice of a physician
  • Regular care of a chronic medical condition, elective treatment, cosmetic treatment, or any treatment or surgery that is not required for the relief of acute pain or suffering
  • Any trip to a country for which the Canadian Government has issued a travel advisory


How to Make a Claim

  • Call the Allianz Global Assistance Operations Centre at 1-877-704-0341 (Canada or US) or 1-519-741-0782 (from elsewhere) within 24 hours of a medical emergency or as soon as reasonably possible
  • They will assist you in finding and arranging medical care, provide claims management and payment assistance, and pay hospitals and other medical providers directly whenever possible (if the expense is relatively small, you may be required to pay for the services yourself, and get reimbursed for them once your claim is submitted)
  • Failure to contact the Operations Centre could result in your expenses not being covered, denial or a delay in the settlement of your claim

Lost Baggage Insurance

This insurance plan covers the actual cash value of your baggage and personal effects up to $750 per person and up to a maximum of $2,000 per trip for the loss, damage, theft, and fire or transportation hazards to your luggage and/or belongings used by you during the trip. Coverage is limited to $500 per item, and camera equipment and jewelry are each considered one item. You, your spouse and dependent children are all eligible for this coverage.

Note: Coverage applies only when the full or partial cost of the trip is charged to your BMO Air Miles World Elite MasterCard.


Exclusions

No coverage is provided for:

  • Loss caused by normal wear and tear, gradual deterioration, moths, or vermin
  • Animals
  • Automobiles (including equipment and content), trailers, motorcycles, bicycles, boats, motors, other conveyances or their accessories
  • Souvenirs, fragile or collectible items
  • Consumable or perishable goods
  • Household effects and furnishings
  • Contact lenses, prescription glasses, non-prescription sunglasses
  • Artificial teeth and prostheses, medical equipment and appliances
  • Money, securities, tickets, documents
  • Any property pertaining to as business, profession or occupation
  • Personal computers, software or cellular phones
  • Loss or damage to jewelry, gems, watches and furs or garments trimmed with fur and camera equipment while in the custody of the common carrier
  • Loss of covered and non-covered items sustained due to any process or while being worked upon, radiation, confiscation by any government authority, war (declared or undeclared), contraband, or illegal transportation
  • Loss incurred while the insured person is performing any negligent or criminal acts
  • Items specifically or otherwise insured


How to Make a Claim

Call the Allianz Global Assistance Operations Centre at 1-877-704-0341 (Canada or US) immediately and notify them of your circumstance.

You may be asked to submit one or more of the following:

  • Original claim determination from the common carrier, if applicable
  • Original police report or other report of local authorities
  • Original receipts and list of stolen, lost or damaged items
  • Statement of loss providing the amount, date, time and cause of the loss

Delayed Baggage Insurance

If your checked baggage, or that of your spouse or dependent child, is delayed by more than 12 hours while you are en route to your final destination, you will be reimbursed up to $200 per person and up to an overall maximum of $2,000 per trip for the purchase of essential items until your baggage arrives.

Essential items must be purchased before your checked baggage is returned and no later than 36 hours after you’ve arrived at your destination.

Note: Coverage applies only when the full or partial cost of the trip is charged to your BMO Air Miles World Elite MasterCard.


Exclusions

No coverage is provided for:

  • Loss caused by normal wear and tear, gradual deterioration, moths, or vermin
  • Animals
  • Automobiles (including equipment and content), trailers, motorcycles, bicycles, boats, motors, other conveyances or their accessories
  • Souvenirs, fragile or collectible items
  • Consumable or perishable goods
  • Household effects and furnishings
  • Contact lenses, prescription glasses, non-prescription sunglasses
  • Artificial teeth and prostheses, medical equipment and appliances
  • Money, securities, tickets, documents
  • Any property pertaining to as business, profession or occupation
  • Personal computers, software or cellular phones
  • Loss or damage to jewelry, gems, watches and furs or garments trimmed with fur and camera equipment while in the custody of the common carrier
  • Loss of covered and non-covered items sustained due to any process or while being worked upon, radiation, confiscation by any government authority, war (declared or undeclared), contraband, or illegal transportation
  • Loss incurred while the insured person is performing any negligent or criminal acts
  • Items specifically or otherwise insured


How to Make a Claim

Call the Allianz Global Assistance Operations Centre at 1-877-704-0341 (Canada or US) immediately and notify them of your circumstance.

You may be asked to submit one or more of the following:

  • Original claim determination from the common carrier, if applicable
  • Original itemized receipts for actual expenses incurred for essential items
  • Statement from the common carrier verifying the cause and duration of the delay


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