No trip cancellation coverage. Cancel a prepaid trip for illness, a death in the family, or any other reason, and this card pays nothing back.
What does the insurance on your BMO eclipse Visa Infinite card actually cover?
BMO·CA$120/year·Visa Infinite·CUMIS General Insurance Company
Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 24, 20268 min read
2,1/5Independent review · verified June 2026
1,6
3,1
3,0
Our Verdict · Travel Insurance
Our take on travel insurance for the BMO Eclipse Visa Infinite
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
Call this what it is. The eclipse Visa Infinite is a rewards card with a thin layer of travel insurance, not a travel card. There is no trip cancellation, no interruption, no flight delay, and no baggage coverage. What you get is emergency medical and a common carrier accident benefit. The medical limit looks huge at $5,000,000, but read the fine print: it lasts 15 consecutive days, and only if you are 64 or under on your departure date. At 65 you are not covered at all. Your provincial plan (RAMQ, OHIP) pays almost nothing outside Canada, so for a short trip under 65 this is real protection. For anyone older, or anyone who wants a prepaid trip protected, it falls short on its own.<br><br>Our take: the eclipse is a fine everyday earner, but it is not a substitute for travel insurance. A standalone policy starts around $100,000 of emergency medical per person with no age cliff, and adds the trip cancellation this card skips. If you travel longer than two weeks, travel at 65 or over, or prepay a trip you would hate to lose, buy a separate policy and keep this card for the rewards.
What works on travel
- $5,000,000 emergency medical for travellers 64 and under, first 15 days
- Operations Centre can pay the hospital directly, 24 hours a day
- $500,000 common carrier accident coverage per person
Where travel breaks down
- No trip cancellation, interruption, or flight delay coverage
- No baggage insurance, delayed or lost
- Emergency medical excludes travellers 65 and over entirely
- Medical coverage stops after 15 days
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 BMO Eclipse Visa Infinite Travel Insurance actually cover?
Secondary coverage. Call 1 833 324-5947 within 24 hours, before treatment.
You are hospitalized in Florida and the bill climbs past $40,000. Provincial plans (RAMQ, OHIP) pay almost nothing outside Canada, so this benefit matters. The card covers up to $5,000,000 per person, but only the first 15 consecutive days of a trip, and only if you are 64 or under on your departure date. At 65 you are not eligible, not reduced, excluded. Coverage is secondary, and you must call the Operations Centre within 24 hours so they can coordinate care and, where possible, pay the hospital directly.
What's covered
- Up to $5,000,000 per insured person, per trip
- First 15 consecutive days of the trip
- Operations Centre can pay the provider directly where possible
- Emergency dental up to $2,000 for accidental injury
- Bedside companion: economy airfare plus $200 per day, max 10 days
What's not covered
- Travellers 65 and over, not eligible at all
- Anything after day 15 of the trip
- Conditions not stable in the 90 days before coverage
- Pregnancy within 9 weeks of the due date, child born on the trip
- Off-trail skiing, mountaineering, professional or contact sports, scuba without certification
If a doctor says you need an air ambulance home or a medical escort, the card covers the actual cost, but only when the Operations Centre arranges it in advance. Book the flight yourself and you risk the whole bill. Return of remains is capped at $3,000.
What's covered
- Air ambulance or medical evacuation, pre-arranged
- Medical escort when required
- Return of remains up to $3,000
- Bedside companion travel
What's not covered
- Any transport not pre-approved by the Operations Centre
- Burial coffin or urn
- Costs incurred after the medical emergency ends
No trip interruption coverage. If a covered emergency cuts your trip short, the card does not reimburse the unused, non-refundable portion.
No trip or flight delay coverage. A long weather or mechanical delay brings no meal or hotel reimbursement from this card.
No missed connection coverage.
No early return benefit. The card does not pay for a last-minute flight home after an emergency.
No baggage delay coverage. If your checked bag arrives late, essentials are not reimbursed.
No lost or stolen baggage coverage.
This is accidental death and dismemberment, and only while you are on a common carrier: a scheduled plane, train, bus, or cruise. Charge the full ticket to the card and you are covered up to $500,000 per person, with a $1,500,000 cap per account if more than one cardholder is hurt in the same accident. It is a narrow benefit. It pays nothing for illness, or for an accident off the carrier.
What's covered
- Up to $500,000 per insured person
- Travel to and from the terminal immediately before and after
- Covers cardholder, spouse, and dependent children
What's not covered
- Sickness or disease
- Any accident not on a licensed common carrier
- Operating or crewing an aircraft
- Full ticket not charged to the card
No hotel burglary coverage.
Policy document 1
Policy document 2
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the BMO Eclipse Visa Infinite wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Compare
Eclipse Visa InfiniteThis card2.1/5?
$120/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
$150 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the BMO Eclipse Visa Infinite stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Eclipse Visa Infinite shoppers also consider.
| Card | This card Eclipse Visa Infinite BMO · $120/yr 2.1/5? | Rewards World Elite Mastercard BMO · $150/yr 4.3/5? | World Elite Mastercard National Bank · $150/yr 4.1/5? | WestJet World Elite Mastercard RBC · $139/yr 4.1/5? |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | Not covered Cover this gap → | $2,500 / person ($5,000 / account) $0 deductible | $2,500 / person Up to $2,500 / person | $1,500 per person Charged to card or WestJet dollars |
Emergency medical Hospital bills abroad | $5,000,000 / person · 15 days · age 64 or under | $2,000,000 (under 65, first 21 days) First 21 days only | $5,000,000 / person Up to $5,000,000 / trip | Unlimited No dollar ceiling |
Emergency evacuation Air ambulance + repatriation | Actual cost, pre-arranged · remains $3,000 | Actual cost (pre-authorization required) Pre-authorization required | Actual cost Actual cost | Within medical Air ambulance pre-authorized |
Trip delay trigger Hours before benefits kick in | Not covered Cover this gap → | $500 / account / trip (6h+ delay) Trigger: 6 hours | $500 / person Trigger: 4 hours | 4h / $500 $250 per day |
Trip interruption Covered amount | Not covered Cover this gap → | $2,000 / person Up to $2,000 / person | $5,000 / person Up to $5,000 / person | $5,000 per person $25,000 per trip overall |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Cardholder reviews
What cardholders say about the BMO Eclipse Visa Infinite
This card is discussed mostly for its rewards, not its insurance. Independent reviewers rate it around 3.7 out of 5. 2 reviews
RR
Ratehub.ca review
Useful mobile and rental coverage for the fee
Ratehub points to the mobile device insurance of up to $1,000 and the rental car collision coverage as the practical perks at the $120 annual fee, handy if you charge your phone and car rentals to the card.
CR
creditcardGenius
Thin travel insurance
creditcardGenius scores the card around 3.7 overall and flags that the travel insurance is limited to emergency medical and common carrier accident, with no trip cancellation or interruption, so frequent travellers will want more.
Emergency · Card assistance line
How to contact BMO Eclipse Visa Infinite assistance?
Insurance is underwritten by CUMIS General Insurance Company and administered by Allianz Global Assistance. Call the Operations Centre before any treatment.
From Canada and the United States
1 833 324-5947
Toll-free · 24 hours a day, 7 days a week
From elsewhere (call collect)
519 514-1916
Collect call · 24 hours a day, 7 days a week
Benefit administrator: Allianz Global Assistance (AZGA Service Canada Inc.), underwritten by CUMIS General Insurance Company
Claims & pre-authorizations
How to file a claim
1
Call before you act
For a medical emergency, call the Operations Centre at 1 833 324-5947, or 519 514-1916 collect from abroad, within 24 hours. They can direct you to care and, where possible, pay the provider directly.
2
Keep the originals
Save itemized bills, receipts, the rental agreement, and any police report (rental loss over $500, or phone theft). Allianz asks for itemized invoices, not just your card statement.
3
File the claim
Submit online at allianz-assistance.ca, or by mail to Allianz Global Assistance, Claims Department, P.O. Box 277, Waterloo, ON N2J 4A4. Questions go to questions@allianz-assistance.ca.
4
Mind the Quebec deadlines
In Quebec, report a claim within 30 days of the incident and send documents within 90 days (within 1 year if that is not reasonably possible). Eligible claims are paid within 60 days of receiving the required documents.
FAQ
What people ask about the BMO Eclipse Visa Infinite
- Coverage is automatic, with no registration. Emergency medical applies while you travel as long as you are a Canadian resident, covered by a provincial health plan, and age 64 or under on your departure date. For the common carrier accident benefit, charge the full ticket to the card. For rental cars, decline the agency's collision waiver and charge the full rental to the card. For a medical emergency, call the Operations Centre at 1 833 324-5947 before treatment, or benefits can be reduced or denied.
- Coverage extends to you as the primary cardholder, your spouse, and your dependent children, subject to the limits of each benefit. One limit matters most for travel: emergency medical requires you to be age 64 or under on the departure date. Travellers 65 and over are not eligible for the medical benefit at all, so an older spouse would not be covered on the same trip.
- Secondary. The card covers collision, theft, loss of use, and towing on a rental car with a manufacturer's suggested retail price up to $65,000, for rentals of 48 days or less, but it pays in excess of any other insurance you hold. If you have a personal auto policy, that pays first and the card covers what is left. To use the benefit, decline the rental company's collision damage waiver at the counter and charge the entire rental to your card. There is no third-party liability coverage.
- Claims are handled by Allianz Global Assistance on behalf of CUMIS General Insurance Company. For a medical emergency, call 1 833 324-5947, or 519 514-1916 collect from abroad, within 24 hours. File online at allianz-assistance.ca or by mail to Allianz Global Assistance, Claims Department, P.O. Box 277, Waterloo, ON N2J 4A4. Keep itemized bills and receipts, not just your card statement. In Quebec, report the claim within 30 days and send documents within 90 days.
- Quite a lot, so plan around it. There is no trip cancellation, no trip interruption, no flight or trip delay, and no baggage coverage. Emergency medical excludes travellers 65 and over entirely, stops after 15 days, and does not cover conditions that were not stable in the 90 days before the trip. Rental coverage is secondary and excludes liability, trucks, and vehicles over $65,000 MSRP. Mobile device claims carry a 10% deductible and exclude accessories and mysterious disappearance.
- Yes, up to $5,000,000 per person, but with two hard limits. Coverage lasts only the first 15 consecutive days of a trip, and you must be age 64 or under on your departure date. At 65 and over there is no medical coverage at all. It is secondary to any other plan, and you must call the Operations Centre within 24 hours of a medical emergency so they can coordinate care and, where possible, pay the hospital directly. Your provincial plan pays almost nothing outside Canada, so anyone travelling longer than 15 days or aged 65 and over should add a standalone policy.
- Yes. Mobile Device Insurance covers loss, theft, or accidental damage up to $1,000 per occurrence. A 10% deductible applies to the depreciated value (minimum $25), and the device loses 2% of its value for each month you have owned it. If you paid the full price with the card, coverage begins on day 91, after purchase security ends. You can make one claim every 12 months, up to two in 48 months. Accessories, batteries, and theft from unattended baggage are not covered.
- For a short trip under age 65, the emergency medical and rental coverage are useful. For most other situations it is not enough. There is no trip cancellation, interruption, delay, or baggage coverage, and the medical benefit ends after 15 days and excludes anyone 65 and over. If you prepay a trip, travel longer than two weeks, or travel at 65 and over, pair the card with a standalone travel insurance policy.
Not just BMO
Other cards worth considering
Eclipse Visa Infinite is a strong choice — but depending on what you prioritize, one of these may suit you better.
Rewards World Elite Mastercard
BMO
World Elite Mastercard
National Bank
WestJet World Elite Mastercard
RBC
Aeroplan Reserve
American Express
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