You book a trip, then a covered reason forces you to cancel before you leave. The card refunds the prepaid, non-refundable travel you charged to the account, up to $2,500 per person and $5,000 per trip for everyone combined.
What does the insurance on my BMO eclipse Visa Infinite Privilege card actually cover?
BMO·CA$599/year·Visa Infinite Privilege·CUMIS General Insurance Company
Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 29, 20268 min read
3,9/5Independent review · verified June 2026
4,2
3,1
3,3
Our Verdict · Travel Insurance
Our take on travel insurance for the BMO Eclipse Visa Infinite Privilege
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
A near-complete travel suite, which is what you expect at this fee. Emergency medical reaches $5,000,000, but read the duration before you trust the headline: 22 days if you are 64 or under, and only 3 days once you turn 65. Trip cancellation pays $2,500 per person and interruption $5,000, both with a long covered-reasons list that includes a COVID-19 diagnosis, job loss and jury duty. Flight delay kicks in at 4 hours, baggage loss and baggage delay are both here, and there is even hotel burglary cover. The one real hole is missed connection, which is not covered at all. If you travel internationally and you are over 65, that 3-day medical window is the gap that actually matters.
What works on travel
- $5,000,000 emergency medical, 22 days for travellers 64 and under
- Trip cancellation $2,500/person and interruption $5,000/person, 10+ covered reasons
- Flight delay at the 4-hour mark, plus baggage loss ($1,000) and baggage delay ($500)
- Common carrier travel accident up to $500,000 per person
Where travel breaks down
- Emergency medical drops to 3 days at age 65, despite the $5M headline
- Missed connection is not covered
- Baggage loss excludes electronics, jewelry and cameras
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 Privilege Travel Insurance actually cover?
You only need part of the trip charged to the card to be eligible, which is more generous than the 75% rule on many Canadian cards.
What's covered
- Sickness, injury or death (including a COVID-19 diagnosis)
- Job loss or job transfer requiring a move
- Jury duty or being subpoenaed
- Travel visa refusal
- Government travel advisory issued after booking
What's not covered
- Pre-existing conditions not stable in the 90 days before coverage
- Cancelling for a reason already known at booking
- Pregnancy complications within 9 weeks of the due date
The duration is the catch: 22 consecutive days if you are 64 or under, and only 3 days once you are 65 or older. The $5M number means little to a senior traveller past day 3.
You are in a foreign ER and your provincial plan pays almost nothing across the border. The card covers emergency hospital, ambulance, physician and emergency dental up to $5,000,000. Call the Operations Centre within 24 hours, since some treatment needs pre-approval and the centre can arrange direct payment to the provider.
What's covered
- Emergency hospital, ambulance and physician care
- Emergency air transportation and evacuation
- Emergency dental, private duty nursing, return of deceased
- Automatic extension if you are hospitalized on your return date
What's not covered
- Pre-existing conditions not stable in the stability period (90 days under 65, 180 days at 65+)
- Non-emergency or elective treatment
- Travel against a doctor's advice or to a destination under a pre-trip travel advisory
Pre-arrangement by the Allianz Operations Centre is mandatory; book it yourself and the cost may not be reimbursed.
A serious injury abroad means you may need an air ambulance or a medically supervised flight home. The card covers emergency air transport, evacuation and a medical escort, plus return of remains up to the medical limit. The Operations Centre must arrange it.
What's covered
- Emergency air ambulance and evacuation
- Medical escort where required
- Transportation to bedside for a family member
- Return of deceased
What's not covered
- Any evacuation not arranged in advance by the Operations Centre
- Non-emergency transport
Same wide covered-reasons list as cancellation, including illness, death and government travel advisories issued after you leave.
You are already travelling and a covered reason cuts the trip short or delays your return. The card pays up to $5,000 per person, to a $25,000 trip maximum, for the unused prepaid portion and the extra cost of getting home.
What's covered
- Unused non-refundable prepaid travel
- Extra transportation to return home
- Reasonable accommodation and meals during the interruption
What's not covered
- Pre-existing conditions not stable in the 90 days before coverage
- Reasons known before departure
The 4-hour trigger is better than the 6-hour threshold on many cards. The full airfare must be charged to the card.
Your scheduled flight is delayed more than 4 hours and you are stuck. The card covers up to $1,000 per trip for all insured combined toward extra accommodation, meals and local transport. Keep every receipt.
What's covered
- Additional accommodation
- Meals during the delay
- Local transportation
What's not covered
- Delays you cause
- Aircraft operation or crew duty
- Travel supplier bankruptcy
This card does not include a separate missed connection benefit. A blown connection that strands you is not reimbursed under a dedicated coverage.
There is no separate early-return pot of money; it draws from the same $5,000 interruption limit.
Need to fly home early for a covered emergency such as illness or a family death? The cost of the early return is handled inside Trip Interruption rather than as a stand-alone benefit, up to the $5,000 per person limit.
What's covered
- Extra one-way transportation home for a covered reason
- Draws on the Trip Interruption limit
What's not covered
- Reasons not on the covered interruption list
The 4-hour trigger is generous. The full ticket must be charged to the card.
Your checked bag does not show up. After a 4-hour delay by the carrier, the card covers up to $500 per person ($1,000 per trip combined) for essentials: toiletries, a change of clothes, the basics to get through the wait. Save the receipts.
What's covered
- Necessary toiletries and clothing during the delay
- Up to $500 per person, $1,000 per trip combined
What's not covered
- Return-trip delays in some cases
- Items beyond reasonable essentials
Read the exclusions before you count on it: cell phones, computers, cameras, jewelry and furs are not covered here.
Your bag is lost, stolen or damaged while you travel on a common carrier (any scheduled airline, train, bus or cruise line). The card pays up to $1,000 per person, to a $2,500 trip maximum.
What's covered
- Lost, stolen or damaged checked or carry-on baggage
- Personal items while on a common carrier
What's not covered
- Cell phones, computers and cameras
- Jewelry and furs
- Normal wear and tear
- Items insured with another company
It is travel accident cover, not medical. The full common carrier ticket must be charged to the card.
This is accidental death and dismemberment while you are a passenger on, boarding or leaving a licensed common carrier. The card pays up to $500,000 per person, with a $1,500,000 cap per account for one accident.
What's covered
- AD&D as a fare-paying passenger on a plane, train, bus, taxi or cruise ship
- Up to $500,000 per person
What's not covered
- Sickness or illness
- Intentional self-harm
- Operating or crewing an aircraft
Coverage hinges on an actual break-in. A bag that simply goes missing, with no evidence of theft, will not qualify.
Someone breaks into your hotel room and takes your things. The card covers up to $2,500 per burglary occurrence to replace or repair stolen or damaged personal property, as long as the accommodation was charged to the card.
What's covered
- Personal property stolen or damaged in a hotel, motel or vacation rental burglary
What's not covered
- Money and perishable goods
- Property that goes missing with no evidence of theft
- Failure to take reasonable steps to protect belongings
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 BMO Eclipse Visa Infinite Privilege wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Compare
Eclipse Visa Infinite PrivilegeThis card3.9/5?
$599/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 Privilege stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Eclipse Visa Infinite Privilege shoppers also consider.
| Card | This card Eclipse Visa Infinite Privilege BMO · $599/yr 3.9/5? | Rewards World Elite Mastercard BMO · $150/yr 4.3/5? | Aeroplan Reserve American Express · $599/yr 4.1/5? | World Elite Mastercard ATB Financial · $120/yr 4.1/5? |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | $2,500 / person ($5,000 / trip) | $2,500 / person ($5,000 / account) $0 deductible | $1,500 / person Covered reasons apply | $1,000 / person (max $5,000 / trip) |
Emergency medical Hospital bills abroad | $5,000,000 (22 days <65 / 3 days 65+) | $2,000,000 (under 65, first 21 days) First 21 days only | $5,000,000 Age 64 or under only | $2,000,000 / person · ≤22 days · under 65 |
Emergency evacuation Air ambulance + repatriation | Included in $5M medical | Actual cost (pre-authorization required) Pre-authorization required | Within $5M medical Within emergency medical | Included (within medical) |
Trip delay trigger Hours before benefits kick in | $1,000 / trip (4h+) | $500 / account / trip (6h+ delay) Trigger: 6 hours | 4h / $1,000 agg 4-hour trigger | $500 / trip ($250/day, up to 2 days) |
Trip interruption Covered amount | $5,000 / person ($25,000 / trip) | $2,000 / person Up to $2,000 / person | $1,500 / person Covered reasons apply | $1,000 / person (max $5,000 / trip) |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Emergency · Card assistance line
How to contact BMO Eclipse Visa Infinite Privilege assistance?
The insurance is underwritten by CUMIS General Insurance Company and administered by Allianz Global Assistance. One Operations Centre handles both emergencies and claims, 24/7.
From Canada and the U.S.
1-833-744-1266
Toll-free · 24 hours a day, 7 days a week
From elsewhere (call collect)
519-514-1305
Collect worldwide · 24 hours a day, 7 days a week
Benefit administrator: Allianz Global Assistance (AZGA Service Canada Inc.); insurer CUMIS General Insurance Company
Claims & pre-authorizations
How to file a claim
1
Call the Operations Centre first
Contact Allianz Global Assistance at 1-833-744-1266, or 519-514-1305 collect from outside Canada and the U.S. For a medical emergency, call within 24 hours; some treatment needs pre-approval. For a cancellation, interruption or delay, call within 48 hours.
2
Get your claim forms
The Operations Centre sends the right forms once you report. File online at allianz-assistance.ca, by phone, or by mail to Operations Centre, c/o Allianz Global Assistance, Claims Department, P.O. Box 277, Waterloo, ON N2J 4A4.
3
Gather itemized documents
Allianz asks for itemized bills, not payment summaries: medical invoices, written proof of non-refundable charges from each supplier, a police or property report for theft, and your card statement showing the charge. Quebec residents report within 30 days and send documents within 90 days.
4
Expect the payout timeline
Eligible claims are paid within 60 days of receiving the required documents. Expect some email back and forth before approval. Save the Operations Centre number in your phone before you travel, since the callback can show up as an unknown number.
FAQ
What people ask about the BMO Eclipse Visa Infinite Privilege
- The insurance is automatic once your account is open and in good standing; there is no enrolment. Some coverages have a payment condition. Emergency medical applies even if you did not charge the trip to the card, but trip cancellation needs at least part of the trip on the card, and flight delay, common carrier accident and baggage cover need the full ticket charged to the card. For purchases and mobile device cover, charge the item in full to the account. Always call the Allianz Operations Centre at 1-833-744-1266 before treatment or within the deadline for your benefit.
- You as the primary cardholder, your spouse, your dependent children and any additional cardholder on the account. Everyone must be a Canadian resident, and for emergency medical, covered by a provincial or territorial health plan for the entire trip. Dependent children means an unmarried child who is 20 or under, 25 or under if a full-time student, or 21 and over if permanently dependent due to a disability.
- It is secondary. Secondary coverage means your personal auto insurance pays first and the card covers what is left, which can trigger a claim on your own policy. To use it, decline the rental agency's collision damage waiver at the counter and charge the full rental to the card. It covers collision, theft, loss of use and towing on a vehicle up to $85,000 manufacturer's suggested retail price, for up to 48 consecutive days. There is no third-party liability, so carry your own.
- Call the Allianz Global Assistance Operations Centre at 1-833-744-1266, or 519-514-1305 collect from abroad. Report a medical emergency within 24 hours and a cancellation, interruption or delay within 48 hours. Allianz then sends the claim forms; you can file online at allianz-assistance.ca or by mail to P.O. Box 277, Waterloo, ON N2J 4A4. Keep itemized bills, proof that suppliers would not refund you, and your card statement. Eligible claims are paid within 60 days of complete documentation.
- Five gaps stand out. Emergency medical lasts only 3 days once you are 65 or older, despite the $5,000,000 limit. Missed connection is not covered at all. Pre-existing conditions must be stable through a 90-day window under 65, or 180 days at 65 and over. Baggage loss excludes cell phones, computers, cameras and jewelry. Rental coverage has no liability, roadside assistance or personal effects. Read the certificate for the full exclusion list before you rely on any single benefit.
- This is the weak spot. The headline is $5,000,000 per person, but the covered period is only 3 consecutive days once you are 65 or older, against 22 days for travellers 64 and under. A 67-year-old who needs care on day 4 of a trip is on their own, and provincial health plans pay almost nothing abroad. If you are over 65 and travelling internationally, a standalone travel medical policy fills this gap; they start well below the cost of a single uncovered hospital day.
- Yes. Mobile Device Insurance pays up to $1,000 if your phone is lost, stolen or accidentally damaged anywhere in the world. Charge the phone in full to the card, or finance it and put every monthly wireless bill on the card. The deductible is 10% of the depreciated value, with a $25 minimum, and depreciation runs 2% per month. You can make one claim per 12 months, up to two per 48 months. Accessories, batteries and laptops are not covered.
- The dollar figure is real, but the limit is rarely the constraint. The duration is. Coverage runs 22 consecutive days if you are 64 or under and just 3 days at 65 or older, and it is in excess of your provincial plan, so you may advance costs and claim afterward. For a short trip under 65 it is strong cover. For a long trip, or any trip at 65-plus, the cap on days matters far more than the millions on paper.
Not just BMO
Other cards worth considering
Eclipse Visa Infinite Privilege is a strong choice — but depending on what you prioritize, one of these may suit you better.
Rewards World Elite Mastercard
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World Elite Mastercard
ATB Financial
World Elite Mastercard
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WestJet World Elite Mastercard
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