This card does not include trip cancellation insurance. Non-refundable prepaid travel costs are not reimbursed if you have to cancel before departure.
What does the insurance on my Brim World Mastercard card actually cover?
Brim·CA$0/year·World Mastercard·Royal & Sun Alliance Insurance Company of Canada (RSA)
3,1/5Independent review · verified July 2026
2,8
4,0
3,0
Our Verdict · Travel Insurance
Our take on travel insurance for the Brim World Mastercard
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
The World Mastercard's travel package looks generous on paper but the core benefit is weak. Emergency medical is capped at $5,000,000 yet only for the first 8 days of a trip and only for cardholders age 64 or under, with mandatory pre-authorization; there is no coverage at all at age 65 or older. It also has no trip cancellation, interruption or early return. What it does well is the secondary suite: flight and baggage delay, lost or stolen baggage, hotel burglary and a $150,000 common carrier accident benefit.
What works on travel
- Emergency medical limit of $5,000,000 per trip
- Flight delay and missed connection $500/day after 4 hours
- Baggage delay $1,000 and lost or stolen baggage $1,000
- $150,000 common carrier accident benefit
- No foreign transaction fee
Where travel breaks down
- Emergency medical only covers the first 8 days of a trip
- No emergency medical coverage at age 65 or older
- Medical requires pre-approval before treatment
- No trip cancellation, interruption or early return
- Hotel burglary limited to $500
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 Mastercard Travel Insurance actually cover?
Call Global Excel at 1-833-429-2746 before seeking treatment; the $5,000,000 headline is limited by the 8-day and under-65 caps.
Out-of-province emergency travel medical up to $5,000,000 per insured person, per trip, but only for the first 8 consecutive days of a trip and only if you are age 64 or under. There is no emergency medical coverage at age 65 or older.
What's covered
- Emergency medical care while travelling outside your province
- Coordinates with your provincial health plan
- Emergency medical and travel assistance services
What's not covered
- Any trip beyond the first 8 consecutive days
- All coverage at age 65 or older
- Expenses not pre-approved by Global Excel
- Conditions not stable in the 90 days before departure
Repatriation shares the same 8-day / under-65 limits as the emergency medical benefit.
Medically necessary emergency evacuation and repatriation are provided within the emergency travel medical certificate.
What's covered
- Medically necessary transport home
- Coordinated by Global Excel
What's not covered
- Applies only when emergency medical coverage is in force (first 8 days, age 64 or under)
- Must be pre-authorized
This card does not include trip interruption insurance. Additional costs to continue or resume an interrupted trip are not reimbursed.
Trigger is a delay of 4 hours or more from the scheduled departure time.
Flight delay and missed connection benefit of up to $500 per day, subject to an aggregate limit of $1,000 per insured person, when a covered flight is delayed 4 hours or more.
What's covered
- Additional meals and accommodation during the delay
- Up to $100 ground transportation
- Up to $100 entertainment expenses
What's not covered
- Delays under 4 hours
- Expenses not charged to the card
Shares the aggregate $1,000 limit with the flight delay benefit.
Missed connection is covered within the same flight delay benefit, up to $500 per day and an aggregate $1,000 per insured person after a 4-hour delay.
What's covered
- Meals, accommodation and onward transport during the delay
What's not covered
- Delays under 4 hours
- Expenses not charged to the card
This card does not include an early return home benefit; there is no trip interruption coverage to fund an unplanned return.
Trigger is a delay of 6 hours or more by the airline.
Baggage delay benefit of up to $1,000 per insured person per occurrence (aggregate $2,000) for essential purchases when checked baggage is delayed by an airline 6 hours or more.
What's covered
- Essential clothing and toiletries during the delay
- Excess coverage
What's not covered
- Delays under 6 hours
- Purchases made after the baggage is returned
Excess coverage; jewellery and electronics have sub-limits.
Lost or stolen baggage benefit of up to $1,000 per insured person, to a maximum of $2,000 for any one occurrence, for checked or carry-on baggage.
What's covered
- Checked and carry-on baggage and personal effects
What's not covered
- Jewellery limited to $300
- Cameras, electronics and similar items limited
This is an accident (AD&D) benefit, not medical or liability cover. Handled directly by RSA.
Common carrier accident benefit of up to $150,000 per insured person (maximum $500,000 per accident) for accidental death or dismemberment while riding as a passenger on a licensed land, air or water common carrier.
What's covered
- Accidental death or dismemberment as a fare-paying passenger
- Cardmember, spouse and dependent children
What's not covered
- Sickness, disease and bacterial infections
- Riding as anything other than a passenger
Combined limit is $500 per burglary occurrence for everyone insured.
Hotel/motel burglary benefit of up to $500 per burglary occurrence (all insured persons combined) for loss or damage to personal property from unlawful entry into your room while registered as a guest.
What's covered
- Loss or damage from a break-in to your hotel/motel room
What's not covered
- Losses not reported to the hotel and police
- Benefit capped at $500 per occurrence
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 Mastercard wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Compare
World MastercardThis card3.1/5?
$0/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 Mastercard stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most World Mastercard shoppers also consider.
| Card | This card World Mastercard Brim · $0/yr 3.1/5? | 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 | Not covered Cover this gap → | $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 (8 days, age ≤64) | $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 $5M medical | 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/day (max $1,000), 4h | $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 | Not covered Cover this gap → | $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.
Emergency · Card assistance line
How to contact Brim World Mastercard assistance?
Travel insurance on the Brim World Mastercard is underwritten by RSA; claims and assistance are administered by Global Excel Management Inc.
In Canada or the U.S.
1-833-429-2746
Toll-free · 24/7
From anywhere in the world
+1-416-920-0938
Collect calls accepted · 24/7
Benefit administrator: Global Excel Management Inc. (for RSA). Common Carrier Accident claims are handled directly by RSA.
Claims & pre-authorizations
How to file a claim
1
Call before you act
As soon as the event occurs, call Global Excel at 1-833-429-2746 (Canada/US) or +1-416-920-0938 collect. For emergency medical you must call before seeking treatment to obtain pre-approval.
2
Get your claim file open
Global Excel will confirm your coverage, give you instructions and send you the applicable claim form.
3
Submit documents within 90 days
Complete the claim form and return it with all supporting documents (receipts, reports, tickets) within 90 days of the event.
4
Receive the decision
RSA notifies you of its decision and, if approved, pays the benefit within 60 days of receiving all required documents.
FAQ
What people ask about the Brim World Mastercard
- Yes, but with important limits. Out-of-province emergency medical is up to $5,000,000 per person per trip, but only for the first 8 consecutive days of a trip and only if you are age 64 or under. There is no emergency medical coverage at age 65 or older, and you must call Global Excel for pre-approval before treatment.
- Not for emergency medical. The travel medical benefit applies only to cardholders (and their dependents of a cardmember) who are age 64 or under. Other benefits such as flight/baggage delay, lost baggage, hotel burglary and common carrier accident are not age-limited in the same way, but the headline medical cover does not apply at 65+.
- No. Unlike the Brim World Elite Mastercard, the World Mastercard has no trip cancellation, trip interruption or early return coverage. Non-refundable prepaid costs are not reimbursed if you cancel or cut a trip short.
- Emergency medical (first 8 days, age 64 or under), emergency evacuation/repatriation within that medical limit, flight delay and missed connection ($500/day, aggregate $1,000, after 4 hours), baggage delay ($1,000 after 6 hours), lost or stolen baggage ($1,000), hotel/motel burglary ($500) and common carrier accident AD&D ($150,000).
- Collision/loss damage is primary, up to the vehicle's actual cash value, for cars with an MSRP up to $65,000 and rentals up to 48 consecutive days. You must decline the rental agency's CDW/LDW and charge the full rental to the card. Rental personal effects ($1,000) and rental AD&D ($100,000) are also included; third-party liability and roadside assistance are not.
- Purchase security ($1,000 per occurrence, 90 days), extended warranty (doubles the manufacturer's warranty up to +1 year), mobile device insurance ($1,000 with a 10% deductible) and event ticket protection ($1,000). Purchase security, extended warranty and mobile device share a combined $25,000 per policy year cap.
- Nothing extra. The insurance is embedded in the card and there is no separate premium. The Brim World Mastercard itself has no annual fee and no foreign transaction fee.
- Call Global Excel at 1-833-429-2746 (Canada/US) or +1-416-920-0938 collect as soon as the event occurs, and for medical before treatment. Submit the completed claim form and documents within 90 days; RSA pays approved claims within 60 days of receiving everything. Common Carrier Accident claims are handled directly by RSA.
Not just Brim
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World Mastercard is a strong choice — but depending on what you prioritize, one of these may suit you better.
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