Covers prepaid non-refundable travel charged to the card when you cancel before departure for a covered reason, up to $2,000 per insured person and $5,000 for all insured combined. Covered reasons centre on emergency medical conditions of you, a family member, or a travelling companion. Pre-existing conditions must be stable for 90 days before you charge any trip cost to the card.
Brim World Elite Mastercard insurance: which travel coverage actually pays out?
Brim·CA$89/year·World Elite Mastercard·Royal & Sun Alliance Insurance Company of Canada (RSA)
Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 30, 20268 min read
3,8/5Independent review · verified June 2026
3,7
4,3
3,2
Our Verdict · Travel Insurance
Our take on travel insurance for the Brim World Elite Mastercard
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
Full travel suite, one real catch. Brim's top tier covers all eleven travel guarantees, from $5,000,000 emergency medical down to hotel burglary. The kicker: medical is reimbursement-only and runs 15 days under 65, then drops to 3 days at 65 and over. You land in a foreign ER, you front the bill, then file with Global Excel afterward. Provincial plans like RAMQ and OHIP pay almost nothing outside Canada, so that advance can run into the tens of thousands. Standalone travel medical starts around $100,000 per person and pays the hospital directly. If you travel longer than 3 days past age 65, that medical window is the gap that actually matters.
What works on travel
- $5,000,000 emergency medical per person, the highest cap of any Brim tier
- All 11 travel guarantees covered: cancellation, interruption, delay, baggage, hotel burglary
- $2,000 trip cancellation per person, zero deductible, 90-day pre-existing window
- Flight delay pays after 4 hours, ahead of the 6-hour trigger common elsewhere
Where travel breaks down
- Reimbursement-only medical: you advance the full hospital bill and file afterward
- Emergency medical drops to 3 days at age 65 and over, versus 15 days under 65
- Pre-authorization required: call before treatment or non-surgical costs are capped
- Lost baggage excludes electronics and jewellery, so a stolen laptop is not covered
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 World Elite Mastercard Travel Insurance actually cover?
What's covered
- Emergency medical condition of the insured
- Emergency medical condition of a family member or travelling companion
- Death of the insured, a family member, or travelling companion
What's not covered
- Pre-existing conditions not stable in the 90 days before booking
- Known events or conditions at the time of booking
- Trips against medical advice
Reimbursement only: you front the full hospital bill and file afterward, and pre-authorization is required before treatment. The 3-day cap at 65+ means a longer trip past that age is uninsured on day 4. Provincial plans pay almost nothing abroad, so a serious ER visit ($20K to $80K) is yours to advance.
Covers emergency medical care outside your province up to $5,000,000 per insured person, per trip. Coverage lasts the first 15 consecutive days of a trip if you are under 65, but only the first 3 consecutive days if you are 65 or over. It is reimbursement-based: you must call Global Excel before treatment, and benefits coordinate with your provincial plan above $50,000. Pre-existing conditions must be stable for 90 days (under 65) or 180 days (65+).
What's covered
- Hospital and doctor charges above the provincial plan
- Emergency dental and prescription drugs
- Meals and accommodation up to $250 per day ($1,750 max)
What's not covered
- Care after day 15 under 65, or after day 3 at 65 and over
- Pre-existing conditions not stable in the 90 or 180-day window
- Treatment without calling Global Excel first
Every evacuation must be pre-approved by Global Excel. Arrange your own transport without that call and the cost is not covered.
Emergency evacuation and repatriation fall inside the $5,000,000 medical limit. When the attending doctor states it is medically necessary, the card covers one-way economy airfare home, a stretcher and medical escort if required, transportation to your bedside after 7 days in hospital, and return of remains up to $3,500. All transport must be approved by Global Excel in advance.
What's covered
- Medically necessary return home (one-way economy airfare)
- Medical escort and stretcher when required in writing
- Return of remains up to $3,500; vehicle return up to $1,000
What's not covered
- Transport not approved by Global Excel in advance
- Expenses past the medical coverage period (15 days / 3 days at 65+)
Covers unused prepaid travel and extra costs when a trip is cut short for a covered reason, up to $5,000 per insured person and $25,000 for all insured combined. The same covered-reason list as cancellation applies, built around emergency medical events. Keep unused tickets and receipts for the return.
What's covered
- Unused prepaid, non-refundable travel costs
- Extra transport to return home or rejoin the trip
- Covered reasons mirror trip cancellation
What's not covered
- Pre-existing conditions outside the 90-day stability window
- Reasons not on the covered list
Pays reasonable living expenses, meals and accommodation, when a flight is delayed 4 hours or more, up to $500 per insured person and $1,000 per occurrence for all insured combined. The same benefit covers a missed connection caused by the delay. Keep itemized receipts for everything you claim.
What's covered
- Meals and accommodation during the delay
- Missed connection caused by a covered flight delay
- Reasonable local transport
What's not covered
- Delays under 4 hours
- Expenses without itemized original receipts
A missed connection caused by a covered flight delay of 4 hours or more is reimbursed under the same flight delay benefit, up to $500 per day. It covers reasonable expenses to reach your destination or the next available departure point. Receipts are required.
What's covered
- Expenses to reach the destination after a missed connection
- Meals and accommodation during the wait
What's not covered
- Connection windows missed by delays under 4 hours
- Expenses without original receipts
Returning home early for a covered emergency is handled under the trip interruption benefit, which covers extra one-way transport home within the $5,000 per-person limit. The trigger reasons are the same medical and death events that apply to interruption. There is no separate early-return pot of money.
What's covered
- Extra one-way transport to return home early
- Covered reasons mirror trip interruption
What's not covered
- Reasons outside the covered interruption list
- Costs beyond the $5,000 per-person interruption limit
When checked baggage is delayed 6 hours or more, the card reimburses essential purchases up to $500 per insured person and $1,000 for all insured combined. This is excess coverage, so it pays after any airline compensation. Keep receipts for the essentials you buy during the wait.
What's covered
- Essential purchases during a 6-hour-plus delay
- Clothing and toiletries
What's not covered
- Delays under 6 hours
- Animals, sporting equipment, cameras, eyeglasses, tickets, money
The $1,000 does not cover electronics. A stolen laptop or camera in your checked bag is excluded, and jewellery is out unless it was hand-carried.
Covers lost, stolen, or damaged checked or carry-on baggage up to $1,000 per insured person and $2,000 for all insured combined. Coverage is excess to any airline indemnity. The exclusion list is the catch: cameras, sporting equipment, eyeglasses, tickets, and money are not covered, and jewellery is excluded from baggage that is not hand-carried.
What's covered
- Lost, stolen, or damaged checked or carry-on baggage
- Excess to airline compensation
What's not covered
- Cameras, electronics, sporting equipment, eyeglasses, contact lenses
- Jewellery from baggage not hand-carried
- Tickets, money, prosthetic devices, furs
Pays a lump sum for accidental death or dismemberment while riding as a paying passenger on a common carrier (a scheduled plane, train, bus, or boat), up to $150,000 per insured person and $500,000 per accident for all insured combined. This is an accident benefit, not medical or liability coverage. The fare must be charged to the card.
What's covered
- Accidental death or dismemberment on a common carrier
- Land, air, or water scheduled transport
What's not covered
- Sickness, disease, or medical conditions
- Riding as anything other than a passenger
Reimburses loss or damage to personal items when your accommodation is broken into while you are registered as a guest, up to $2,500 per occurrence for all insured combined. Fragile items, cash, documents, and tickets are excluded. Report the burglary to the hotel and local police and keep the report.
What's covered
- Personal items stolen or damaged in a hotel burglary
- While registered as a guest
What's not covered
- Cash, traveller's cheques, tickets, important documents
- China, glass, fragile items, furnishings
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 Brim World Elite Mastercard wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Compare
World Elite MastercardThis card3.8/5?
$89/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 Brim World Elite Mastercard stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most World Elite Mastercard shoppers also consider.
| Card | This card World Elite Mastercard Brim · $89/yr 3.8/5? | Rewards World Elite Mastercard BMO · $150/yr 4.3/5? | World Elite Mastercard ATB Financial · $120/yr 4.1/5? | |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | $2,000 per person ($5,000 max) Up to $5,000 per trip | $2,500 / person ($5,000 / account) $0 deductible | $1,000 / person (max $5,000 / trip) | |
Emergency medical Hospital bills abroad | $5,000,000 per person 15 days under 65 | $2,000,000 (under 65, first 21 days) First 21 days only | $2,000,000 / person · ≤22 days · under 65 | |
Emergency evacuation Air ambulance + repatriation | Within the $5M medical limit Pre-authorization required | Actual cost (pre-authorization required) Pre-authorization required | Included (within medical) | |
Trip delay trigger Hours before benefits kick in | $500 per person ($1,000 max) Trigger: 4 hours | $500 / account / trip (6h+ delay) Trigger: 6 hours | $500 / trip ($250/day, up to 2 days) | |
Trip interruption Covered amount | $5,000 per person ($25,000 max) Up to $25,000 per trip | $2,000 / person Up to $2,000 / person | $1,000 / person (max $5,000 / trip) |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Cardholder reviews
What cardholders say about the Brim World Elite Mastercard
Sentiment from Canadian credit-card review sites on coverage and claims 44 reviews
PO
Prince of Travel
Full travel suite, all eleven guarantees covered
Brim's top tier covers everything from $5,000,000 emergency medical down to hotel burglary, which is rare on a Canadian card. Add a primary rental CDW good to an $85,000 MSRP with personal effects and rental AD&D, and the breadth here is genuinely strong.
FF
Frugal Flyer
Primary CDW saved me the counter upsell
Declined the agency waiver, charged the full rental, and the primary collision coverage held up to actual cash value for a 48-day window. Filing directly without dragging in my own auto policy is exactly how it should work. Just confirm your vehicle qualifies first.
RC
r/CreditCardsCanada
Medical is reimbursement-only and drops to 3 days at 65
The catch is the medical: you front the ER bill and claim back through Global Excel afterward, and the window is 15 days under 65, then just 3 days at 65 and over. The mobile device coverage caps at $1,000 with depreciation too. Older travellers need a standalone policy.
Emergency · Card assistance line
How to contact Brim World Elite Mastercard assistance?
Global Excel Management handles every travel coverage, around the clock
Canada and US Assistance
1-833-429-2746
24/7
International Assistance
collect: +1-416-920-0938
Collect calls accepted · 24/7
Benefit administrator: Global Excel Management Inc. for all travel coverages | RSA for Common Carrier Accident
Claims & pre-authorizations
How to file a Brim World Elite Mastercard claim
1
Step 1: Call Global Excel right away
As soon as the event happens, call Global Excel at 1-833-429-2746 from Canada or the US, or +1-416-920-0938 collect from anywhere else. For any medical situation, call before treatment so costs can be coordinated and pre-authorization granted. Save the number in your phone before you travel.
2
Step 2: Gather your documents
Keep itemized bills, not just card statements. For medical, you need hospital invoices and reports. For trip claims, keep proof the trip was charged to the card, written non-refund confirmation from each supplier, and unused tickets. For baggage, get the carrier's written delay or loss report.
3
Step 3: Submit within 90 days
Complete the claim form Global Excel sends you and return it with all supporting documents within 90 days of the event. A decision and payment follow within 60 days of receiving complete documentation. File the day the event happens rather than waiting until you are home.
FAQ
What people ask about the Brim World Elite Mastercard
- The Brim World Elite Mastercard insurance turns on automatically once you activate your card, with no registration needed. For trip cancellation, interruption, delay, and rental car coverage, the relevant cost must be charged to the card: the trip for travel benefits, the full rental for the collision waiver. For rental coverage specifically, decline the rental agency's collision damage waiver at the counter. Emergency medical applies automatically while you travel, but you must call Global Excel before any treatment so costs can be coordinated.
- Coverage extends to the primary cardholder, their spouse, and dependent children, subject to the limits in each benefit. A dependent child is generally 15 days to 20 years old and financially dependent, or up to 25 if a full-time student. One age limit matters most: emergency medical runs the first 15 consecutive days of a trip for travellers under 65, but only the first 3 consecutive days for travellers 65 and over. Always check your Certificate of Insurance for each benefit's exact definition of who is covered.
- It offers primary rental car coverage. That means you file directly with Global Excel without first going through your personal auto insurance, so a rental collision does not have to touch your own policy. Coverage runs up to the vehicle's actual cash value for rentals of 48 consecutive days or less, on vehicles with an MSRP of $85,000 or less. To use it, decline the rental agency's collision damage waiver at the counter and charge the full rental to your card. Trucks, vans, and exotic cars are excluded, so confirm your vehicle qualifies first.
- Claims go through Global Excel Management, the administrator behind every Brim travel coverage. Call 1-833-429-2746 from Canada or the US, or +1-416-920-0938 collect from elsewhere, as soon as the event happens. The kicker: they ask for itemized bills, not card statements. For trip claims, keep proof the trip was charged to the card and written refusal of refund from each supplier. Submit the claim form and documents within 90 days of the event, and expect a decision and payment within 60 days of complete documentation. Common Carrier Accident claims are handled by RSA directly.
- The biggest gap is medical duration for older travellers: coverage lasts 15 days under 65 but only 3 days at 65 and over, so a longer trip past that age needs a separate policy. Medical is also reimbursement-only, meaning you advance the bill and file afterward, and pre-authorization is required before treatment. Pre-existing conditions are excluded unless stable for 90 days (180 days at 65+). Lost baggage excludes electronics and jewellery, and rental coverage excludes trucks, vans, exotics, and third-party liability.
- You pay first. The emergency medical benefit is reimbursement-based: you advance the cost, then file with Global Excel for repayment. The one exception is that you must call Global Excel before treatment so they can coordinate and pre-authorize care, and for evacuation they arrange and approve the transport. Because provincial plans like RAMQ and OHIP pay almost nothing abroad, a serious hospital stay can mean fronting tens of thousands of dollars. If advancing that cash is a concern, a standalone travel medical policy that pays the hospital directly fills this gap.
- Not on its own for trips longer than 3 days. The emergency medical limit is high at $5,000,000 per person, but for travellers 65 and over it only lasts the first 3 consecutive days of a trip, versus 15 days under 65. Your provincial health plan pays almost nothing abroad, so anyone 65+ travelling longer than 3 days should add a standalone travel medical policy for the rest of the trip. For shorter trips and younger travellers, the medical coverage is generous for an $89 annual fee.
- Yes. Mobile device insurance covers loss, theft, or accidental damage to a phone, smartphone, or tablet whose purchase price was charged to the card. It reimburses the lesser of repair or replacement up to $1,000, less a 10% deductible, with the device value dropping 2% for each month since purchase. You get one claim per 12 months and two per 48 months. Accessories, laptops, and batteries are excluded. Note that the Product Summary lists $1,500, but the Certificate of Insurance, which governs, states $1,000.
Not just Brim
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