Purchase and Travel Insurance

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Travel Accident Insurance If you suffer a loss as a result of an accidental bodily injury 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. 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
$10,000 per trip
$100 per item
$500 per year
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.
$2,500 per person
$10,000 per trip
$500 per person
(4+ hour delay)
$1,000,000
25 days (Under 65)
10 days (65 or Over)
$1,000 per trip $1,000 per trip
(4+ hour delay)
$1,000 per person

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

Travel Accident Insurance

If you, your spouse, or your dependent child sustain any of the losses below while occupying a common carrier, or while at the airport, terminal or station at the beginning/end of your trip, you are eligible for the corresponding benefit amount.

Coverage is activated when you charge the fare for the common carrier to your Scotiabank Gold American Express Card. The maximum benefit payable for loss resulting from any one occurrence is $1,000,000

Amount of Benefit
Accidental Loss of: Cardmember or Spouse Dependent Child(ren)
Life $500,000 $50,000
Total and Permanent Disability $500,000 $500,000
Both hands or both feet $500,000 $500,000
One foot or one hand and the entire sight of one eye $500,000 $500,000
Sight of both eyes $500,000 $500,000
One hand and one foot $500,000 $500,000
Speech and hearing $500,000 $500,000
One hand or one foot $250,000 $250,000
Sight of one eye $250,000 $250,000
Speech $250,000 $250,000
Hearing $250,000 $250,000

Note: Benefits are payable when an insured person has been totally and permanently disabled for 365 consecutive days.


Limitations & Exclusions

This policy does not cover any loss caused by or resulting from:

  • Intentional self-inflicted injuries
  • Suicide or attempted suicide, whether sane or insane
  • Illness or disease
  • Normal pregnancy or resulting childbirth or miscarriages
  • Bacterial infections, except bacterial infections of injuries that result in one of the losses above
  • Death resulting from the accidental ingestion of a substance contaminated by bacteria
  • Declared or undeclared war, not including acts of terrorism
  • Accident occurring while a passenger on, or operating or learning to operate, or serving as a member of the crew of any aircraft except as provided on this certificate


How to Make a Claim

  • Call Scotia Assist at 1-877-391-7507 immediately or as soon as reasonably possible. If possible, notice should be given within 90 days of the loss occurring.
  • Notice must include the following:
    • The name of the insured person who sustained the loss
    • The account number to which the cost of the ticket was charged
    • The name and address of the person to whom the claim forms should be sent
  • If you don't receive claim forms to provide proof of loss within 15 days of giving notice, you can provide a written statement describing the nature and extent of the loss instead

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 any valid loss of use charges, reasonable towing charges and administrative charges resulting from the damage or theft. This includes damage resulting from malicious vandalism and theft.

You are eligible for this type of coverage provided that:

  • You rent the car in your name and the full cost of the rental is charged to your Scotiabank Gold American Express Card and/or paid with your Scotia Rewards points
  • You declined the rental agency’s collision damage waiver (CDW) or similar provision
  • The length of the rental period doesn’t exceed 48 consecutive days

What Types of Rental Vehicles Are Covered?

Types of Vehicles Covered Types of Vehicles Not Covered
  • Cars
  • Sports Utility Vehicles
  • Mini-Vans, provided that they:
    • Are for private passenger use
    • Seat no more than 8 occupants including the driver
    • Are not to be used for hire by others
  • Vans other than mini-vans
  • Trucks, pick-up trucks or any vehicle that can be spontaneously reconfigured into a pick-up truck
  • Off-road vehicles
  • Motorcycles, mopeds or motorbikes
  • Campers, trailers or recreational vehicles
  • Vehicles not licensed for road use
  • Mini-buses or buses
  • Antique cars (over 20 years old or haven't been manufactured for 10 years or more)
  • Any vehicle which is either wholly or in part hand-made, hand finished or has a limited production of under 2,500 vehicles per year
  • Any vehicle with a manufacturer's suggested retail price excluding all taxes, over $65,000 at the time and place of loss
  • Tax-free cars
  • Vehicles towing or propelling trailers or any other object
  • Expensive or exotic vehicles


Limitations & Exclusions

This insurance does not include coverage for:

  • A replacement vehicle for which your personal automobile insurance or the repair shop is covering all or part of the cost of the rental
  • Loss or theft of personal belongings in the vehicle
  • Third party liability (injury to anyone or anything inside or outside the vehicle)
  • Expenses assumed, paid or payable by the rental agency or its insurers
  • Damage or loss arising directly or indirectly from:
    • Operation of the vehicle by any driver other than an insured person
    • Operation of the vehicle on other than regularly maintained roads
    • Operation of the vehicle while the driver is intoxicated or under the influence of any narcotic
    • Any dishonest, fraudulent or criminal act committed by the insured person and/or any authorized driver
    • Operation of the rental vehicle contrary to the terms of the rental agreement/contract
    • Wear and tear, gradual deterioration, or mechanical breakdown of the vehicle
    • Road damage to tires unless in conjunction with an insured cause
    • Insects or vermin, inherent vice or damage
    • War, hostile or warlike action, insurrection, rebellion, revolution, civil war, usurped power, or action taken by government or public authority in hindering, combating, or defending against such action
    • Seizure or destruction under quarantine or customer regulations, confiscation by order of any government or public authority
    • Transportation of contraband or illegal trade
    • Transportation of property or passengers for hire
    • Nuclear reaction, radiation or radioactive contamination


Helpful Hints

  • Before you rent a vehicle, confirm that the rental agency allows you to decline the collision damage waiver without having to make a deposit
  • Check the rental car carefully for scratches, dents or any other damages before you take possession of the car and make sure you notify the rental agency’s rep. of your findings


How to Make a Claim

  • Call Scotia Assist immediately at 1-877-391-7507 but no later than 90 days from the date of the loss or theft to obtain a claim form.
  • The claim form must be completed and sent back within 1 year in order for benefits to be paid.

Purchase Security

This plan automatically insures most new items purchased anywhere in the world for 90 days from the date of purchase. If the item is lost, stolen or damaged, you will be reimbursed for the lesser of the repair or replacement cost. Only items that were paid for in full with your Scotiabank Gold American Express Card and/or paid with Scotia Rewards points are covered by this plan.

Note: There is a maximum lifetime liability of $60,000 under the purchase security and extended warranty coverages.


Limitations & Exclusions

The following items are not covered by this plan:

  • Travellers cheques, cash, tickets or any other negotiable instruments
  • Bullion, rare or precious coins
  • Art objects (such as but not limited to hand-made items, limited editions, original, signature pieces or collectible plates)
  • Pre-owned or used items, including antiques and demos
  • Animals and living plants
  • Perishables such as food and liquor
  • Aircrafts and their parts and accessories
  • Automobiles, motorboats, motorcycles or any other motorized vehicles and their parts and accessories
  • Items consumed in use
  • Services
  • Ancillary costs incurred in respect of an insured item and not forming part of the purchase price
  • Parts and/or labour required as a result of mechanical breakdown
  • Items purchased by and/or used for a business or commercial purpose and commercial gain
  • Mail order items until received and accepted by you in new and undamaged condition
  • Jewelry transported/stored in baggage that is not under your personal supervision

This plan does not provide coverage for losses resulting from:

  • Misuse or abuse
  • Fraud
  • Normal wear and tear
  • Inherent product defects
  • Mysterious disappearance
  • Theft from a vehicle unless it's locked and there are visible signs of forced entry
  • Flood, earthquake or radioactive contamination
  • Hostilities of any kind (including war, invasion, terrorism, rebellion or insurrection)
  • Confiscation by authorities, risks of contraband or illegal activity
  • Incidental and consequential damages, including bodily injury, property, punitive and exemplary damages, and legal damages


How to Make a Claim

Call Scotia Assist at 1-877-391-7507 as soon as reasonably possible, but no later than 90 days from the date of the loss or damage, to obtain a claim form.

You must contact Scotia Assist before proceeding with any action or repairs.

The claim form must be completed and sent back within 1 year in order for benefits to be paid, and it must include:

  • A copy of the original store receipt
  • A copy of the credit card charge slip
  • A copy of your account statement showing the charge to your Scotiabank Gold American Express Card
  • The police report, if obtainable
  • Any other information reasonably required by Scotia Assist to determine your eligibility for benefits

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. Only items that were paid for in full with your Scotiabank Gold American Express Card and/or paid with Scotia Rewards points are covered by this plan. Benefits are limited to the lesser of the cost to repair or the original purchase price charged to the account.

This coverage applies automatically to items with warranties that are 5 years or less. Items with warranties greater than 5 years must be registered by calling 1-877-391-7507 within 1 year of the date of purchase in order for coverage to apply.

Note: There is a maximum lifetime liability of $60,000 under the purchase security and extended warranty coverages.


Limitations & Exclusions

The following items are not covered by this plan:

  • Aircrafts and their parts and accessories
  • Automobiles, motorboats, motorcycles or any other motorized vehicles and their parts and accessories
  • Used items
  • Living plants
  • Trim parts
  • Services
  • Items purchased by and/or used for a business or commercial purpose and commercial gain
  • Dealer and assembler warranties
  • Any other obligation other than those specifically covered under the original manufacturer's warranty

This plan does not provide coverage for losses resulting from:

  • Misuse or abuse
  • Fraud
  • Normal wear and tear
  • Inherent product defects
  • Mysterious disappearance
  • Theft from a vehicle unless it's locked and there are visible signs of forced entry
  • Flood, earthquake or radioactive contamination
  • Hostilities of any kind (including war, invasion, terrorism, rebellion or insurrection)
  • Confiscation by authorities, risks of contraband or illegal activity
  • Incidental and consequential damages, including bodily injury, property, punitive and exemplary damages, and legal damages


How to Make a Claim

Call Scotia Assist at 1-877-391-7507 as soon as reasonably possible, but no later than 90 days from the date of the loss or damage, to obtain a claim form.

You must complete the claim form before proceeding with any repairs.

The claim form must be completed and sent back within 1 year in order for benefits to be paid, and it must include:

  • A copy of the original store receipt
  • A copy of the credit card charge slip
  • A copy of your account statement showing the charge to your Scotiabank Gold American Express Card
  • A copy of the original manufacturer's warranty

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

Trip Cancellation

If, before your scheduled departure, you are required to cancel your trip due to a covered cause for cancellation, your eligible expenses are covered up to $2,500 per person and up to $10,000 per trip.

You, your spouse and dependent children, as well as one travelling companion are all eligible to receive benefits under this insurance when at least 75% of your eligible expenses are charged to your Scotiabank Gold American Express Card and/or paid with your Scotia Rewards points.


Eligible Expenses

You will be reimbursed for the following expenses so long as they are not refundable or reimbursable in any manner:

  • Cost of transportation by common carrier
  • Cost of hotel or similar accommodation
  • Cost of a package tour which has been sold as a unit and includes at least two of the following:
    • Transportation by common carrier
    • Meals
    • Car rental
    • Tickets or passes for a sporting event, exhibition or other comparable entertainment event
    • Hotel or similar accommodation
    • Lessons or services of a guide


Covered Causes for Cancellation

Medical:

  • Death of an insured person, a travelling companion or of either of their immediate family members, occurring after the trip was booked and within 31 days prior to the scheduled departure date
  • Accidental bodily injury or sudden and unexpected sickness of an insured person or travelling companion (must not have resulted from a pre-existing condition and requires a written doctor’s note advising you to cancel the trip)
  • Hospitalization due to an accidental bodily injury or a sudden and unexpected sickness of either an insured person's or travelling companion's immediate family member, which did not result from a pre-existing condition, occurring after the trip was booked and within 31 days prior to the scheduled departure date
  • Hospitalization or death of either an insured person's or travelling companion's legal business partner or key employee occurring after the trip was booked
  • Hospitalization or death of either an insured person's or travelling companion's host at the destination occurring after the trip was booked

Non-Medical:

  • Call to jury duty or sudden and unexpected subpoena of an insured person to act as a witness in a court of law requiring his or her presence in court during the trip
  • Notice issued (after you book your trip) by Canada’s Dept. of Foreign Affairs and International Trade advising Canadians not to travel to a particular region for a period that coincides with the place and time for which your trip has been booked
  • Employment transfer of the insured person which requires the relocation of his or her principal residence within 30 days before the scheduled departure date
  • Delay causing an insured person to miss a connection for a common carrier or resulting in the interruption of his or her travel arrangements, including the following:
    • Mechanical failure of the carrier
    • Traffic accident or emergency police-directed road closure
    • Weather conditions
    • Unexpected or unforeseen earthquake or volcanic eruption
  • Natural disaster that renders an insured person's principal residence uninhabitable
  • An insured person's quarantine or hijacking
  • Call to service of an insured person by government with respect to reservists, military, police or fire personnel


Limitations & Exclusions

No benefits are payable for a trip cancellation resulting directly or indirectly from:

  • Cancellation of a trip for any reason other than one of those listed above
  • Pre-existing medical conditions
  • Pregnancy, childbirth and/or related complications occurring within 9 weeks of the expected delivery date
  • Neo-natal care
  • Intentionally self-inflicted injury, suicide or any attempt thereat
  • Illness or accidental injury sustained while under the influence of drugs, medication, alcohol or other intoxicants
  • Participation in a criminal offence
  • Acts of terrorism, insurrection or war, whether declared or undeclared
  • Voluntary participation in a riot or civil commotion
  • Mental or emotional disorders
  • Participation in professional sports, speed contests, dangerous sports or events
Note: Only one travelling companion is covered on each trip.


How to Make a Claim

Call Scotia Assist at 1-877-391-7507 within 48 hours of the time the covered cause for cancellation arose to obtain a claim form.

You will be required to submit a completed claim form and provide documentation to substantiate your claim, including the following:

  • Original tickets, vouchers, itinerary, invoices, and receipts
  • Monthly credit card statement and any other documentation necessary to confirm that the costs of the eligible expenses were charged to your account
  • Proof that the cancellation of the trip resulted from a covered cause for cancellation
  • Name, address and phone number of your employer (if necessary)
  • Name, address and policy numbers for all other insurance coverage you and/or other insured persons may have

Notice and proof of claim must be provided no later than 1 year from the date the claim arises.

Price Protection

If within 60 days of the purchase of an eligible item, you find an identical item offered for retail sale at a price lower than the price you paid, you will be paid for the difference in price.

This insurance is available only to the Cardmember and applies only to items purchased in Canada that were paid for in full with your Scotiabank Gold American Express Card.


Limitations & Exclusions

Price protection services are subject to the following limitations:

  • Payment is based on the price of the item before applicable taxes, manufacturer's rebate, store rebates, and shipping and installation charges
  • No payments will be made for price differences of less than $10 per item
  • Maximum payment will be $100 per item up to a maximum of $500 per account per calendar year
  • This service applies to a maximum of 3 identical items during the 60-day period
  • No item can be submitted for reimbursement more than once during the 60-day period
  • Price comparisons with liquidated merchadise, grey market (internet) items and gift card or savings card incentives are not eligible

No coverage is provided for:

  • Travellers cheques, cash (whether paper or coin), bullion, precious metals, tickets, documents, stamps, negotiable instruments or property of a similar nature
  • Animals, living plants or perishables such as food, liquor and/or goods consumed in use
  • Computers (including hardware, software, printers and scanners), cellphones, personal digital assistants or any similar electronic device
  • Automobiles, motorboats, airplanes, motorcycles, motorscooters, riding lawn mowers, golf carts, lawn tractors or any other motorized vehicles (except for miniature electrically powered vehicles intended for recreational use by children) or any of their respective parts, fuels or accessories
  • One-of-a-kind items
  • Used or previously owned or refurbished items, including antiques, collectibles and fine art
  • Items purchased and/or used by or for a business or for commercial gain
  • Services related to items purchased, including insurance, duty, delivery and transportation costs


How to Make a Claim

Call 1-877-391-7507 as soon as you notice the price difference. You will be sent a request form which you will need to complete and sign, and send back within 90 days from the date of purchase.

The request form must include:

  • The customer copy of the original vendor's sales receipts
  • The account statement showing the charge
  • A dated advertisement or flyer to prove that the identical item was offered in Canada at the reduced price within 60 days of the date of your purchase

Note: If the request for payment of the price difference is for an item that was given as a gift, it must be made by the account holder, not the recipient.

Trip Interruption & Delay

If, as a result of one of the covered causes for interruption occurring during your trip, you are prevented from continuing the trip or are unable to return on the original scheduled return date, your eligible expenses are covered up to $2,500 per person and up to $10,000 per trip.

You, your spouse and dependent children, as well as one travelling companion are all eligible to receive benefits under this insurance when at least 75% of your eligible expenses are charged to your Scotiabank Gold American Express Card and/or paid with your Scotia Rewards points.

You will be reimbursed for:

  • The lesser of the additional charges paid by you for a change in ticketing or the cost of a one-way economy fare to return to point of departure
  • The amount of the unused portion of any eligible expenses which are not refundable or reimbursable, excluding the cost of pre-paid, unused return transportation


Eligible Expenses

You will be reimbursed for the following expenses so long as they are not refundable or reimbursable in any manner:

  • Cost of transportation by common carrier
  • Cost of hotel or similar accommodation
  • Cost of a package tour which has been sold as a unit and includes at least two of the following:
    • Transportation by common carrier
    • Meals
    • Car rental
    • Tickets or passes for a sporting event, exhibition or other comparable entertainment event
    • Hotel or similar accommodation
    • Lessons or services of a guide


Covered Causes for Interruption

Medical:

  • Death of an insured person, a travelling companion or of either of their immediate family members during the trip
  • Accidental bodily injury or sudden and unexpected sickness of an insured person or travelling companion (must not have resulted from a pre-existing condition and requires immediate medical attention)
  • Hospitalization due to an accidental bodily injury or a sudden and unexpected sickness of either an insured person's or travelling companion's immediate family member, which did not result from a pre-existing condition and which was not known to the insured person or travelling companion prior to the departure date
  • Hospitalization or death of either an insured person's or travelling companion's legal business partner or key employee occurring during the trip
  • Hospitalization or death of either an insured person's or travelling companion's host at the destination occurring during the trip

Non-Medical:

  • Notice issued (during your trip) by Canada’s Dept. of Foreign Affairs and International Trade advising Canadians not to travel to a particular region for a period that coincides with the place and time for which your trip has been booked
  • Delay causing an insured person to miss a connection for a common carrier or resulting in the interruption of an insured person's travel arrangements including the following:
    • Mechanical failure of the carrier
    • Traffic accident or emergency police-directed road closure
    • Weather conditions
    • Unexpected or unforeseen earthquake or volcanic eruption
  • Natural disaster that renders an insured person's principal residence uninhabitable
  • An insured person's quarantine or hijacking
  • Call to service of an insured person by government with respect to reservists, military, police or fire personnel


Limitations & Exclusions

No benefits are payable for a trip interruption resulting directly or indirectly from:

  • Interruption of a trip for any reason other than one of those listed above
  • Pre-existing medical conditions
  • Pregnancy, childbirth and/or related complications occurring within 9 weeks of the expected delivery date
  • Neo-natal care
  • Intentionally self-inflicted injury, suicide or any attempt thereat
  • Illness or accidental injury sustained while under the influence of drugs, medication, alcohol or other intoxicants
  • Participation in a criminal offence
  • Acts of terrorism, insurrection or war, whether declared or undeclared
  • Voluntary participation in a riot or civil commotion
  • Mental or emotional disorders
  • Participation in professional sports, speed contests, dangerous sports or events
Note: Only one travelling companion is covered on each trip.


How to Make a Claim

Call Scotia Assist at 1-877-391-7507 as soon as a cause for interruption occurs and they will assist you in making the necessary arrangements to return.

You will be sent a claim form which you will be required to complete, including the following documentation to substantiate your claim:

  • Original tickets, vouchers, itinerary, invoices, and receipts
  • Monthly credit card statement and any other documentation necessary to confirm that the costs of the eligible expenses were charged to your account
  • Proof that the interruption of the trip resulted from a covered cause for interruption
  • Name, address and phone number of your employer (if necessary)
  • Name, address and policy numbers for all other insurance coverage you and/or other insured persons may have

Notice and proof of claim must be provided no later than 1 year from the date the claim arises.

Flight Delay

If your scheduled departure from any airport is delayed by 4 hours or more, you will be reimbursed up to $500 per person for necessary and reasonable expenses on essential and sundry items, meals and refreshments, and hotel accommodations.

This coverage applies only to expenses incurred within 48 hours of the delay or denied boarding.


Eligibility

Benefits are payable subject to the following:

  • At least 75% of the full cost of the delayed flight was charged to your Scotiabank Gold American Express Card and/or paid with Scotia Rewards points
  • No alternative transportation is made available to you within 4 hours of the scheduled departure time of the original flight
  • The delay was the result of a strike by airline personnel, quarantine, civil commotion, hijack, natural disaster, inclement weather, mechanical breakdown or denied boarding due to overbooking
  • You provide the required proof of loss to Scotia Assist


Limitations & Exclusions

Coverage does not extend to loss caused by or resulting from:

  • Criminal or fraudulent acts of the insured person
  • War (whether declared or undeclared), civil war, insurrection, rebellion or revolution
  • Any warlike act by any government or military force


How to Make a Claim

In the event of a claim, contact Scotia Assist at 1-877-391-7507 (Canada or US) as soon as reasonably possible but no later than 90 days from the date of the delay, to provide them with a written notice of claim.

Proof of claim should include:

  • Plane tickets or the credit card sales receipt for the tickets
  • A written statement from the airline confirming and detailing the delay
  • Itemized original receipts with respect to the necessary and reasonable expenses incurred

Notice and proof of claim must be provided no later than 1 year from the date the claim arises.

Travel Medical Emergency

In the event of a medical emergency taking place during a trip outside of your home province, you will be covered for any medical expenses incurred.

You will be covered up to $1,000,000 for:

  • 25 days if you're under 65
  • 10 days if you're 65 or older


Eligibility

In order to receive benefits under this insurance, you must:

  • Be a resident of Canada
  • 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

Note: A dependent child must be travelling either with you and/or your spouse in order to be eligible.

Following the end of a medical emergency, or if an insured person is delayed in returning home due to a delay either of a common carrier or of their personal vehicle (accident or mechanical breakdown), then coverage is automatically extended up to 3 days.


Coverage Benefits

  • Hospital Accommodation, Medical Expenses and Doctor Charges
  • Private Duty Nursing
  • Diagnostic Services
  • Ambulance Service
  • Emergency Air Transport
  • Prescription Drug Reimbursement
  • Accidental Dental Care (up to $2,000)
  • Medical Appliances
  • Return Airfare
  • Transportation to Bedside (includes one round-trip economy airfare, food and accommodation expenses of $100 per day up to a maximum of $1,500 for an insured person's immediate family member when the insured person is hospitalized and expected to remain so for 3 days or more)
  • Vehicle Return (up to $1,000)
  • Car Accident Assistance (up to $200 per day for a maximum of 3 days for accommodation, food, car rental, or commercial transportation for the time vehicle is inoperable)
  • Return of Deceased (up to $5,000)


Limitations & Exclusions

No benefits are payable for any expenses incurred directly or indirectly as a result of:

  • Any pre-existing medical conditions
  • Any medical emergency or emergency medical treatment that occurs other than during a trip
  • Any elective or non-emergency surgery, treatment or medication
  • Any medical emergency that occurs on a trip where the primary purpose was to work outside of Canada
  • Pregnancy, childbirth and/or complications occurring within 9 weeks of the expected delivery date
  • Neo-natal care
  • Participation in a criminal offence
  • Intentionally self-inflicted injuries, suicide or any attempt thereat
  • Illness or accidental injury sustained while under the influence of drugs, medication, alcohol or other intoxicants
  • Acts of terrorism, insurrection or war, whether declared or undeclared
  • Voluntary participation in a riot or civil commotion
  • Mental or emotional disorders
  • Treatments that are not prescribed by a doctor
  • Participation in professional sports, speed contests, dangerous sports or events including recreational scuba diving

In addition, failure to notify Scotia Assist immediately following a medical emergency or as soon as possible under the circumstances, will limit the benefits payable under this insurance as follows:

  • No benefits will be payable for surgery or invasive procedures without prior approval, except in extreme circumstances
  • Non-surgical eligible expenses for which benefits would otherwise have been provided will be limited to 80% of the total, to a maximum of $30,000


How to Make a Claim

  • In the event of a medical emergency, call Scotia Assist at 1-877-391-7507 immediately or as soon as reasonably possible to obtain a claim form
  • Scotia Assist will confirm your coverage, provide directions to the nearest appropriate medical facility and provide the necessary authorization of payment of eligible expenses
  • They will make every effort to pay or authorize payment of eligible expenses directly, but if direct payment or payment authorization is not possible, you may be required to pay for the services yourself, and get reimbursed for them once a valid claim is submitted

If Scotia Assist is not notified in advance of medical treatment:

  • Eligible expenses should be submitted with original receipts and payment statements
  • Benefits may be excluded or reduced where Scotia Assist has not been contacted in advance of treatment

If Scotia Assist is notified in advance of medical treatment:

  • You must sign an authorization form allowing Scotia Assist to recover payments from your GHIP and other health plans/insurers, and return it to them within 30 days
  • If an advance has been made for ineligible expenses, you will be required to reimburse Scotia Assist

You will be required to submit (within 1 year of the loss occurring) a completed claim form and provide documentation to substantiate the claim, including the following:

  • The cause and nature of the medical condition requiring treatment
  • Original, itemized medical invoices
  • Original prescription receipts
  • Your date of birth as well as that of the claimant
  • A photocopy of the insured person's GHIP card
  • Name, address and phone number of the insured person's employer
  • Proof of the insured person's departure and/or return date
  • Name, address and policy numbers for all other insurance coverage you any insured person may have
  • Signed authorization to obtain any further required information

Lost Baggage Insurance

In the event that your checked luggage, or that of your spouse or dependent child, is stolen or permanently misdirected while in the custody of common carrier, you will be reimbursed up to a maximum of $1,000 per trip.

Payment is based on the actual replacement cost of any lost or stolen article, provided the article is actually replaced. Otherwise, payment is based on the actual cash value of the article at the time of loss.


Exclusions

No coverage is provided for:

  • Animals
  • Any conveyance or appurtenances except bicycles
  • Contact lenses or eyeglasses
  • Hearing aids, articificial teeth, dental bridges, prosthetic limbs
  • Money, securities, credit cards and any other negotiable instruments
  • Tickets and documents
  • Cameras
  • Sporting equipment
  • Business items
  • Art objects (such as but not limited to hand-made items, limited editions, original, signature pieces or collectible plates)
  • Electronic equipment
  • Luggage not checked
  • Luggage held, seized, quarantined or destroyed by a customs or government agency
  • Any reimbursement or non-monetary (tickets, coupons, travel vouchers) settlement made by the common carrier


How to Make a Claim

Call Scotia Assist at 1-877-391-7507 as soon as reasonably possible, but no later than 90 days from the date of the loss, to obtain a claim form.

The claim form must be completed and sent back within 1 year in order for benefits to be paid, and it must include:

  • A copy of the common carrier ticket(s)
  • A copy of the baggage claim ticket
  • A copy of the credit card charge slip
  • A copy of your account statement showing the charge to your Scotiabank Gold American Express Card
  • A written statement from the common carrier confirming the date, time and details of the loss
  • Payout documentation from the common carrier including a copy of the cheque, claim form, a list of items lost and their value
  • Any other information reasonably required by Scotia Assist to determine coverage eligibility

Delayed Baggage Insurance

If your checked baggage, or that of your spouse or dependent child, is not delivered within 4 hours from the time of your arrival at the final destination, you will be reimbursed up to a maximum of $1,000 per trip for the cost of replacing essential items until your luggage arrives.

Essential items must be purchased before your checked luggage is returned and no later than 96 hours after you've arrived at the final destination.

Note: Coverage applies only when the full price of the passage fare is charged to your Scotiabank Gold American Express Card and/or paid with Scotia Rewards points.


Exclusions

No coverage is provided for:

  • Losses occurring when luggage is delayed on your return home to your province or territory of residence
  • Expenses incurred more than 96 hours after your arrival at the final destination
  • Expenses incurred after your luggage is returned to you
  • Losses caused by or resulting from any criminal act
  • Luggage not checked
  • Luggage held, seized, quarantined or destroyed by a customs or the government agency
  • Money, securities, credit cards, negotiable instruments, tickets or documents of any nature


How to Make a Claim

Call Scotia Assist at 1-877-391-7507 as soon as reasonably possible, but no later than 90 days from the date of the delay, to obtain a claim form.

The claim form must be completed and sent back within 1 year in order for benefits to be paid, and it must include:

  • A copy of the credit card charge slip
  • A copy of your account statement showing the charge to your Scotiabank Gold American Express Card
  • Itemized receipts for actual expenses incurred for essential items
  • A written statement from the common carrier confirming:
    • The date and time of the delay
    • The date and time your checked luggage was returned to you
    • The reason or circumstances surrounding the delay
    • Any other information reasonably required by Scotia Assist

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 up to $1,000 per person for the stolen property.

Note: Coverage applies only when the full cost of the hotel/motel room has been charged to your Scotiabank Gold American Express Card and/or paid with Scotia Rewards points.


Limitations & Exclusions

No coverage is provided for:

  • Cash
  • Travellers cheques
  • Securities
  • Credit cards
  • Tickets and documents

This plan does not provide coverage for losses resulting from:

  • Misuse or abuse
  • Fraud
  • Normal wear and tear
  • Inherent product defects
  • Mysterious disappearance
  • Theft from a vehicle unless it's locked and there are visible signs of forced entry
  • Flood, earthquake or radioactive contamination
  • Hostilities of any kind (including war, invasion, terrorism, rebellion or insurrection)
  • Confiscation by authorities, risks of contraband or illegal activity
  • Incidental and consequential damages, including bodily injury, property, punitive and exemplary damages, and legal damages


How to Make a Claim

Call Scotia Assist at 1-877-391-7507 as soon as reasonably possible, but no later than 90 days from the date of the theft, to obtain a claim form.

The claim form must be completed and sent back within 1 year in order for benefits to be paid, and it must include:

  • A copy of the credit card charge slip
  • A copy of your account statement showing the charge to your Scotiabank Gold American Express Card
  • The police report, if obtainable
  • Any other information reasonably required by Scotia Assist to determine coverage eligibility


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