This card includes no trip cancellation insurance. Non-refundable costs you lose by cancelling before departure are not reimbursed.
ATB Gold My Rewards Mastercard insurance: what's actually covered?
ATB Financial·CA$0/year·Mastercard·Assurant (American Bankers Insurance Company of Florida / American Bankers Life Assurance Company of Florida)
1,8/5Independent review · verified July 2026
0,7
4,2
2,9
Our Verdict · Travel Insurance
Our take on travel insurance for the ATB Financial Gold My Rewards Mastercard
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
Most of the travel suite is missing here. No emergency medical, no trip cancellation, no interruption, no lost-baggage indemnity. What you get is narrow: flight delay and delayed baggage at $250 a day to a $500 cap, plus common-carrier accidental death of $200,000 (up to $300,000 per account). Useful if a storm strands you overnight or a checked bag shows up late. For a real medical emergency abroad, where provincial plans (RAMQ, OHIP) pay almost nothing, this card does nothing, and the hospital bill is entirely on you.
What works on travel
- Flight delay and delayed baggage covered at $250/day, up to $500 (2 days) per trip
- Common-carrier accidental death and dismemberment up to $200,000 per person
- 4-hour delay trigger, in line with the better cards
Where travel breaks down
- No emergency medical coverage abroad of any kind
- No trip cancellation and no trip interruption
- No lost or stolen baggage indemnity (only delayed-baggage expenses)
- No missed-connection, early-return or hotel-theft benefit
Our methodology
Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.
Travel Insurance · 11 guarantees
What does ATB Financial Gold My Rewards Mastercard Travel Insurance actually cover?
There is no out-of-country emergency medical coverage on this card. A hospital bill abroad is entirely out of pocket, since provincial plans (RAMQ, OHIP) pay almost nothing outside Canada.
No emergency medical evacuation or repatriation benefit is provided, because the card carries no emergency medical coverage to evacuate under.
This card includes no trip interruption insurance. Extra costs to get home or resume a trip cut short are not covered.
The delay must exceed 4 hours with no alternative transport offered within 4 hours; charge the full ticket to the card and/or My Rewards points.
Pays for hotel, meals and essentials when your flight is delayed 4 hours or more from the scheduled departure.
What's covered
- $250 per day, up to $500 (2 days) per trip
- Hotel, meals, refreshments and essential items
- Covers you, spouse and dependent children travelling with you
- Delays from weather, strike, mechanical breakdown or overbooking
What's not covered
- Criminal or fraudulent acts
- War, insurrection or warlike acts
There is no missed-connection benefit. A connection missed because of an earlier delay is not reimbursed.
No early-return benefit is included. The cost of cutting a trip short for an emergency is not covered.
Charge the full ticket to the card and/or My Rewards points; keep receipts for the essentials you buy.
Reimburses essential purchases when your checked baggage is delayed 4 or more hours at your destination.
What's covered
- $250 per day, up to $500 (2 days) per trip
- Essential clothing and personal hygiene items
- While luggage is in the custody of a common carrier
What's not covered
- Delays on the final return leg home
- Expenses after the luggage is returned
- Losses from confiscation, war or a criminal act
There is no lost or stolen baggage indemnity. Only delayed-baggage expenses are covered; a permanently lost checked bag is not reimbursed.
The full common-carrier fare must be charged to the card and/or My Rewards points.
Pays a lump sum if you suffer death or serious dismemberment (loss of limb, sight, speech or hearing) in an accident while travelling as a fare-paying passenger on a common carrier such as a plane, train or bus.
What's covered
- Up to $200,000 per insured person for loss of life
- Maximum $300,000 per account per accident
- Covers you, spouse and dependent children travelling with you
What's not covered
- Self-inflicted injuries, suicide
- Illness or disease
- Acts of war or civil disorder
- Piloting or crewing an aircraft
This card does not cover theft of personal property from a hotel or motel room.
Policy document
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the ATB Financial Gold My Rewards Mastercard wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Compare
Gold My Rewards MastercardThis card1.8/5?
CA$0/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
CA$238 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the ATB Financial Gold My Rewards Mastercard stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Gold My Rewards Mastercard shoppers also consider.
| Card | This card Gold My Rewards Mastercard ATB Financial · CA$0/yr 1.8/5? | World Elite Mastercard ATB Financial · CA$120/yr 4.1/5? | Rewards World Elite Mastercard BMO · CA$150/yr 4.3/5? | World Elite Mastercard National Bank · CA$150/yr 4.1/5? |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | Not covered Cover this gap → | $1,000 / person (max $5,000 / trip) | $2,500 / person ($5,000 / account) $0 deductible | $2,500 / person Up to $2,500 / person |
Emergency medical Hospital bills abroad | Not covered Cover this gap → | $2,000,000 / person · ≤22 days · under 65 | $2,000,000 (under 65, first 21 days) First 21 days only | $5,000,000 / person Up to $5,000,000 / trip |
Emergency evacuation Air ambulance + repatriation | Not covered Cover this gap → | Included (within medical) | Actual cost (pre-authorization required) Pre-authorization required | Actual cost Actual cost |
Trip delay trigger Hours before benefits kick in | $500 / trip ($250/day, up to 2 days) | $500 / trip ($250/day, up to 2 days) | $500 / account / trip (6h+ delay) Trigger: 6 hours | $500 / person Trigger: 4 hours |
Trip interruption Covered amount | Not covered Cover this gap → | $1,000 / person (max $5,000 / trip) | $2,000 / person Up to $2,000 / person | $5,000 / person Up to $5,000 / person |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Emergency · Card assistance line
How to contact ATB Financial Gold My Rewards Mastercard assistance?
Insurance is underwritten by American Bankers Life Assurance Company of Florida and American Bankers Insurance Company of Florida, operating in Canada as Assurant, which also handles claims and 24/7 assistance.
Canada & United States
1-866-305-0888
Toll-free · 24/7
From elsewhere in the world (collect)
905-477-0702
Call collect · 24/7
Benefit administrator: Assurant (American Bankers Insurance Company of Florida / American Bankers Life Assurance Company of Florida)
Claims & pre-authorizations
How to make a claim
1
Know what's covered before you call
This card covers flight delay, delayed baggage, common-carrier accidental death, rental car damage, purchase protection, extended warranty and mobile device insurance. There is no emergency medical or trip cancellation benefit, so those situations are not claimable.
2
Respect the deadlines
Report rental car accidents or theft within 48 hours. For every benefit, give written notice within 45 days where possible and file your proof of loss within 90 days of the loss.
3
Get a claim form
Call Assurant at 1-866-305-0888 (Canada and US) or 905-477-0702 collect from elsewhere, or visit cardbenefits.assurant.com to obtain the right claim form for your benefit.
4
Provide supporting documents
Keep and submit receipts, tickets, the airline's written delay confirmation, police reports, the rental agreement showing you declined the agency CDW, and proof the trip, ticket or item was charged to the card and/or ATB My Rewards points.
FAQ
What people ask about the ATB Financial Gold My Rewards Mastercard
- There is no separate registration. Each benefit applies when you charge the full cost of the rental, ticket or item to the ATB Gold My Rewards Mastercard and/or pay with ATB My Rewards points. For the rental car coverage, also decline the agency's collision damage waiver at the counter. Be clear on the limits first: this card has no emergency medical and no trip cancellation insurance, so those benefits cannot be activated at all. What you can rely on is flight delay, delayed baggage, rental car damage, common-carrier accident, and purchase, warranty and mobile device protection.
- The flight delay, delayed baggage and common-carrier accident benefits cover the primary cardholder, their spouse and dependent children when travelling with you. Dependent children must be under 21, or under 25 if a full-time student. The rental car damage waiver also covers any authorized driver listed on the rental contract, and rental personal effects extends to immediate family travelling with you. There is no emergency medical benefit on this card for anyone, regardless of age.
- It offers primary coverage. You file directly with Assurant for collision or theft damage to the rental vehicle, with no involvement from your personal auto insurer (that is what primary means). To use it, decline the rental agency's collision damage waiver (CDW/LDW, the coverage the counter tries to sell you) and charge the full rental to the ATB Gold My Rewards Mastercard and/or ATB My Rewards points. Coverage runs for rentals of up to 31 consecutive days on vehicles with an actual cash value of $65,000 or less, and pays actual cash value plus loss-of-use. There is no third-party liability or roadside assistance.
- Claims are handled by Assurant. Call 1-866-305-0888 from Canada and the US, or 905-477-0702 collect from elsewhere, or file online at cardbenefits.assurant.com. Report rental car accidents or theft within 48 hours. For every benefit, send written notice within 45 days where possible and your proof of loss within 90 days of the loss. Keep receipts, tickets, the airline's written delay confirmation, the rental agreement showing you declined the agency CDW, and proof the cost was charged to the card and/or ATB My Rewards points.
- The big gaps are the headline travel benefits. There is no emergency medical coverage abroad, no trip cancellation, no trip interruption, no missed-connection, early-return or lost-baggage indemnity, and no hotel-theft benefit. On rentals, there is no third-party liability and no roadside assistance. On purchases, there is no price protection, return protection, event-ticket, rideshare or identity-theft coverage. Delayed-baggage and flight-delay payouts are capped at $500 per trip. For emergency medical abroad in particular, where provincial plans (RAMQ, OHIP) pay almost nothing, a standalone travel insurance policy is needed.
- Your flight must be delayed 4 hours or more from its scheduled departure, with no alternative transport offered within those 4 hours. After that, the ATB Gold My Rewards Mastercard reimburses hotel, meals, refreshments and essentials at $250 per day, up to $500 (2 days) per trip. The full ticket cost must have been charged to the card and/or ATB My Rewards points. Keep itemized receipts and get the airline's written confirmation of the delay and its cause before you file.
- Yes. Mobile Device Insurance covers a new phone against loss, theft, accidental damage or mechanical failure for up to two years, to a maximum of $1,500. A deductible of $25 to $100 applies depending on the device's cost, and the value depreciates 2% per month from purchase. To be eligible, charge the full device cost, or all up-front costs plus your monthly wireless bills, to the card. You can file one claim per 12 months and two per 48 months. Used or refurbished devices and accessories are excluded.
- Not on its own. The ATB Gold My Rewards Mastercard has no emergency medical coverage and no trip cancellation insurance, the two protections that matter most on an international trip. What it does well is the everyday side: a primary rental car damage waiver, flight and baggage delay, and purchase, warranty and mobile device protection. For any trip outside your province, you would need a standalone travel medical policy to cover a hospital stay, since provincial health plans pay almost nothing abroad. Treat this card's travel benefits as a useful extra, not your main coverage.
- Yes. Across the certificate, charging the full cost to the ATB Gold My Rewards Mastercard or paying with ATB My Rewards points activates the benefit, whether it is rental car damage, delayed baggage, purchase protection or mobile device insurance. The requirement is that the full cost is covered by the card and/or your points, not a partial payment. Keep the receipt and the statement showing how the purchase or trip was paid.
Not just ATB Financial
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