Does the free Brim Mastercard include emergency travel medical insurance?

No. The entry-level Brim Mastercard ($0 annual fee) does not include any out-of-province or out-of-country emergency medical insurance. If you fall ill or are injured while travelling, your emergency hospital and medical bills are not covered by this card. Travel medical coverage only appears on the higher Brim World Mastercard (8 days) and Brim World Elite Mastercard (15 days) tiers. For a trip, you should buy a separate travel medical policy.

Are trip cancellation and trip interruption covered?

No. There is no trip cancellation or trip interruption insurance on the free Brim Mastercard. If you have to cancel before departure or cut a trip short, your non-refundable prepaid costs and extra return expenses are not reimbursed. These benefits are only on the World and World Elite Brim tiers.

What insurance does the free Brim Mastercard actually include?

Five benefits: Common Carrier Accident Insurance (accidental death & dismemberment up to $100,000 while on a common carrier), Purchase Security ($1,000 per item, 90 days), Extended Warranty (doubles the manufacturer's warranty up to +1 year), Mobile Device Insurance (up to $500 CAD with a 10% deductible) and Event Ticket Protector ($1,000 per occurrence). All are underwritten by Royal & Sun Alliance Insurance Company of Canada (RSA).

How does the Common Carrier Accident benefit work?

If the full fare for a bus, train, plane or boat is charged to your Brim Mastercard and you suffer accidental death or a covered dismemberment while riding that common carrier (or travelling directly to/from the terminal), RSA pays a lump sum — $100,000 for loss of life, paralysis or loss of speech/hearing, down to $25,000 for loss of a thumb and index finger. The maximum for any single accident is $300,000. This is accident coverage only — it pays nothing for illness or ordinary injury.

How much mobile device (cell phone) coverage is there?

Up to $500 CAD per claim, provided the device's full price was charged to the card. A 10% deductible applies and the payout is based on the depreciated value (2% per month from the purchase date), so the real reimbursement is usually well below $500. Coverage starts 90 days after purchase and runs up to two years, limited to one claim per 12 months.

Does the Brim Mastercard cover rental cars?

No. The free tier provides no rental car collision/loss damage waiver (CDW) and no rental liability coverage. You must rely on the rental agency's own coverage or your personal auto insurance. Rental CDW is only available on the Brim World and World Elite tiers.

Who underwrites the coverage and how do I make a claim?

All Brim Mastercard insurance is underwritten by Royal & Sun Alliance Insurance Company of Canada (RSA), with claims administered by Global Excel Management Inc. To start a claim or confirm coverage, call 1-833-429-2746 toll-free from Canada or the U.S., or +416-920-0938 collect from elsewhere in the world. Event-ticket losses must be reported within 24 hours.

Should I buy separate travel insurance if I have this card?

Yes. Because the free Brim Mastercard has no emergency medical, no trip cancellation/interruption and no baggage or flight-delay coverage, it should not be relied on as travel insurance. For any trip, compare and buy a standalone travel insurance policy that includes emergency medical and cancellation cover.

What does the insurance on my Brim Mastercard card actually cover?

Brim·CA$0/year·Mastercard·Royal & Sun Alliance Insurance Company of Canada (RSA)

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 25, 20268 min read

1,0/5Independent review · verified June 2026

Travel Insurance

0,8

Car Rental

0,0

Protection

2,8

Our Verdict · Travel Insurance

Our take on travel insurance for the Brim Mastercard

Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews

The Brim Mastercard offers almost no travel protection. There is no emergency medical, no trip cancellation or interruption, and no flight or baggage delay coverage. Its only travel benefit is Common Carrier Accident Insurance — accidental death & dismemberment up to $100,000 — which pays nothing for illness or an ordinary injury. Treat this card as having no usable travel insurance and buy a standalone travel medical policy for any trip.

What works on travel

Common Carrier Accident Insurance up to $100,000 ($300,000 per accident)
Covers cardmember, spouse and dependent children
No foreign transaction fees abroad (0% FX)

Where travel breaks down

No emergency travel medical coverage
No trip cancellation or interruption
No flight or baggage delay, and no lost baggage
No hotel/motel burglary coverage

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 Brim Mastercard Travel Insurance actually cover?

This card does not include trip cancellation insurance; non-refundable prepaid travel costs are not reimbursed if you have to cancel before departure.

The free Brim Mastercard has no out-of-province or out-of-country emergency medical coverage; emergency hospital and medical bills while travelling are not covered. This is the card's biggest gap — buy separate travel medical insurance.

Emergency medical repatriation or evacuation is not covered, since it depends on emergency medical insurance, which this card does not provide.

Trip interruption insurance is not included; extra costs to return home or resume a trip after an unexpected event are not reimbursed.

Flight or travel delay insurance is not included; meals, accommodation and incidentals during a delay are not reimbursed.

Missed connection coverage is not included on this card.

Early return coverage is not included, as it is tied to the trip interruption benefit this card does not provide.

Baggage delay coverage is not included; expenses for essentials during a baggage delay are not reimbursed.

There is no lost, stolen or damaged baggage coverage on this card.

This is accidental death & dismemberment only — it is not travel medical insurance and pays nothing for illness or ordinary injury abroad.

Common Carrier Accident Insurance pays a lump sum if accidental death or a covered dismemberment results from an accident while you ride a common carrier (bus, train, plane, boat) whose full fare was charged to your Brim Mastercard.

What's covered

Loss of life, quadriplegia, paraplegia, hemiplegia, or loss of speech/hearing: $100,000
Loss or loss of use of one arm or one leg: $75,000
Loss or loss of use of one hand/foot, or sight of one eye: $50,000
Loss of thumb and index finger of the same hand: $25,000
Covers cardmember, spouse and dependent children when the full fare is charged to the card
Also covers travel directly to/from the terminal and time in the terminal

What's not covered

Maximum $300,000 for all losses from any one accident
Accidental death & dismemberment only — NOT medical insurance
Sickness, disease or any medical condition
Self-inflicted injury, suicide, war, criminal acts, drug/alcohol abuse, nuclear hazard
Acting as a pilot, operator or crew member

Hotel or motel burglary coverage is not included on this card.

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?

Report an error Send updated PDF

Coverage Radar

Where the Brim Mastercard wins, where it loses

Coverage snapshot for this tab — click any layer to highlight its scores.

Compare

MastercardThis card1.0/5?

$0/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

$150 avg. annual fee

Click a layer to highlight its scores on the radar.

Side-by-side comparison

How the Brim Mastercard stacks up against the alternatives

Same 5 coverage dimensions, ranked head-to-head against the cards most Mastercard shoppers also consider.

Card	This card Mastercard Brim · $0/yr 1.0/5?	Rewards World Elite Mastercard BMO · $150/yr 4.3/5?	World Elite Mastercard National Bank · $150/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
Emergency medical Hospital bills abroad	Not covered Cover this gap →	$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 →	Actual cost (pre-authorization required) Pre-authorization required	Actual cost Actual cost
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
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

StrongLimited / misleadingNot covered

Data verified against each card's Guide to Benefits, May 2026.

From Canada or the U.S. (toll-free)

1-833-429-2746

24/7

From elsewhere in the world (collect)

+416-920-0938

24/7

Benefit administrator: Global Excel Management Inc. (underwritten by Royal & Sun Alliance Insurance Company of Canada)

Claims & pre-authorizations

How to make a claim

Call the claims line as soon as possible

Phone Global Excel at 1-833-429-2746 (Canada/U.S. toll-free) or +416-920-0938 collect from abroad. For an Event Ticket Protector loss you must call within 24 hours of learning of the incident.

Report within the deadline

Notice for purchase/extended-warranty theft or damage must be given within 45 days; the signed Loss Report is due within 90 days. Accident claims should be reported as soon as reasonably possible.

Gather your documents

Keep your card statement showing the charge, original itemized receipts, the manufacturer's warranty (for warranty claims), and any police, medical or death-certificate documentation relevant to the loss.

File any primary insurance first

Purchase Security and Mobile Device coverage are excess: if you have homeowner's/tenant's or other applicable insurance, claim there first and provide proof before Brim's coverage pays the balance.

Submit and follow up

Complete the claim form provided by Global Excel and return it with your documentation. Keep copies and respond promptly to any request for additional information.

No. The entry-level Brim Mastercard ($0 annual fee) does not include any out-of-province or out-of-country emergency medical insurance. If you fall ill or are injured while travelling, your emergency hospital and medical bills are not covered by this card. Travel medical coverage only appears on the higher Brim World Mastercard (8 days) and Brim World Elite Mastercard (15 days) tiers. For a trip, you should buy a separate travel medical policy.
No. There is no trip cancellation or trip interruption insurance on the free Brim Mastercard. If you have to cancel before departure or cut a trip short, your non-refundable prepaid costs and extra return expenses are not reimbursed. These benefits are only on the World and World Elite Brim tiers.
Five benefits: Common Carrier Accident Insurance (accidental death & dismemberment up to $100,000 while on a common carrier), Purchase Security ($1,000 per item, 90 days), Extended Warranty (doubles the manufacturer's warranty up to +1 year), Mobile Device Insurance (up to $500 CAD with a 10% deductible) and Event Ticket Protector ($1,000 per occurrence). All are underwritten by Royal & Sun Alliance Insurance Company of Canada (RSA).
If the full fare for a bus, train, plane or boat is charged to your Brim Mastercard and you suffer accidental death or a covered dismemberment while riding that common carrier (or travelling directly to/from the terminal), RSA pays a lump sum — $100,000 for loss of life, paralysis or loss of speech/hearing, down to $25,000 for loss of a thumb and index finger. The maximum for any single accident is $300,000. This is accident coverage only — it pays nothing for illness or ordinary injury.
Up to $500 CAD per claim, provided the device's full price was charged to the card. A 10% deductible applies and the payout is based on the depreciated value (2% per month from the purchase date), so the real reimbursement is usually well below $500. Coverage starts 90 days after purchase and runs up to two years, limited to one claim per 12 months.
No. The free tier provides no rental car collision/loss damage waiver (CDW) and no rental liability coverage. You must rely on the rental agency's own coverage or your personal auto insurance. Rental CDW is only available on the Brim World and World Elite tiers.
All Brim Mastercard insurance is underwritten by Royal & Sun Alliance Insurance Company of Canada (RSA), with claims administered by Global Excel Management Inc. To start a claim or confirm coverage, call 1-833-429-2746 toll-free from Canada or the U.S., or +416-920-0938 collect from elsewhere in the world. Event-ticket losses must be reported within 24 hours.
Yes. Because the free Brim Mastercard has no emergency medical, no trip cancellation/interruption and no baggage or flight-delay coverage, it should not be relied on as travel insurance. For any trip, compare and buy a standalone travel insurance policy that includes emergency medical and cancellation cover.