American Express Aeroplan Reserve benefits: which travel insurance protections actually pay out?

Trip Cancellation reimburses non-refundable prepaid travel cancelled before departure for a covered reason, up to $1,500 per insured person and $3,000 for all insured persons combined. Only arrangements charged to the Card or paid with the Card's reward points qualify. Underwritten by Belair Insurance and administered by Global Excel.

Out of Province/Country Emergency Medical pays up to $5,000,000 per insured person for the first 15 consecutive days of a trip, in excess of your provincial plan. The certificate insures only travellers age 64 or under on the departure date: there is no medical coverage at 65 or older. Global Excel arranges direct payment where possible. Call before treatment, or pay 20% of covered expenses with a non-approved provider.

Emergency air ambulance, medical transport, and return to your departure point are covered within the $5,000,000 Emergency Medical benefit. Global Excel arranges and pays for medically necessary transport, then your return home. Return of a deceased person and transportation to your bedside are included. Applies only to insured persons age 64 or under. Call Global Excel before any transport.

Trip Interruption reimburses the non-refundable unused portion of prepaid travel plus extra economy transportation when a covered reason interrupts your trip after departure, up to $1,500 per insured person and $6,000 combined. An out-of-pocket benefit pays $100 per day up to $1,000 for accommodation, meals, phone, and taxi or rideshare when your trip is interrupted or your return is delayed.

Flight Delay covers reasonable expenses when a missed connection, a delayed departure, or denied boarding holds you up 4 hours or more with no alternative. The benefit shares a $1,000 aggregate per occurrence with the baggage delay coverage. The airfare or accommodation must be charged to the Card or paid with Card reward points.

Missed Connection is one of the flight delay triggers. When a missed connection leaves you delayed 4 hours or more with no alternative offered, the benefit reimburses meals, accommodation, and local transportation. It shares the same $1,000 aggregate per occurrence with the delayed departure, denied boarding, and baggage delay coverages.

Early return home is provided through the Trip Interruption benefit and the medical return-home provision. When a covered reason cuts your trip short, the card covers a one-way economy fare to your departure point, within the $1,500 per person and $6,000 combined interruption limit. A medically necessary return is arranged by Global Excel for insured persons 64 and under.

Baggage Delay reimburses essential purchases when your checked baggage is not delivered within 6 hours of arrival. Expenses must be incurred within 4 days. The benefit shares a $1,000 aggregate per occurrence with the flight delay coverage, and it does not apply on flights returning to your residence.

Lost or Stolen Baggage covers loss or damage to your baggage and personal effects, up to $1,000 per occurrence for all insured persons combined. A $300 sub-limit applies to jewellery and a $250 sub-limit to golf clubs and bags. Cash, tickets, documents, and fragile items are excluded.

Travel Accident Insurance pays a lump sum for accidental death or dismemberment while riding as a passenger on a common carrier: $500,000 for loss of life and $250,000 to $500,000 for dismemberment per the schedule. Underwritten by Chubb Life Insurance Company of Canada. The loss must occur within 100 days of the accident, and the greatest single loss is paid.

Hotel Burglary pays up to $1,000 per burglary occurrence for loss or damage to your personal items while you are registered as a guest at the accommodation. The room must be charged to the Card or paid with Card reward points.