How do I activate the Triangle World Mastercard insurance benefits?

There is nothing to register for the standard benefits. Purchase security and extended warranty apply automatically when you charge the item to the card (warranties over five years must be registered with the insurer within a year). Car rental collision coverage activates when you reserve and pay for the full rental with the card and decline the rental agency's own collision or loss damage waiver at the counter. There is no travel insurance to activate, because this card has no travel insurance certificate, and there is no complimentary roadside plan on this tier.

Does the Triangle World Mastercard include travel medical insurance?

No. The Triangle World Mastercard includes no emergency travel medical insurance at any age. If you are injured or fall ill outside your province, every hospital, physician, and prescription cost is out of pocket, and provincial plans like OHIP and RAMQ pay almost nothing abroad. A serious US emergency room visit can run $20,000 to $80,000. Anyone traveling on this card should buy a standalone travel medical policy before leaving.

Who is covered under my Triangle World Mastercard benefits?

Purchase security and extended warranty cover the primary or supplementary cardmember who charges the item to the account. For car rental collision coverage, the insured person is the cardmember plus any other driver who holds a valid licence and has the cardmember's permission to drive, even if they are not listed on the rental contract. All eligible persons must be residents of Canada and the account must be in good standing.

How does the Triangle World Mastercard rental car coverage actually work?

Reserve and pay for the entire rental with the card and decline the rental agency's collision or loss damage waiver at the counter. The card then covers damage or theft up to the vehicle's actual cash value, for rentals of up to 31 consecutive days, on cars, SUVs, and minivans with an MSRP of $65,000 or less. It is primary coverage, so you do not claim through personal auto insurance first. It covers the vehicle only, never third-party liability, and not personal belongings left in the car.

Is the Triangle World Mastercard rental car coverage primary or secondary?

It is primary. You decline the rental agency's waiver and the card responds directly to damage or theft of the vehicle, up to its actual cash value, without going through your personal auto policy first. That said, it is not full insurance: it covers the rental vehicle only, with no third-party liability for injury or damage you cause to others, so you still need the agency's or your own liability coverage.

What is the difference between the Triangle World Mastercard and the World Elite Mastercard?

The insurance certificate gives both cards the same three benefits: primary car rental collision/loss damage waiver, 90-day purchase security, and extended warranty, all through Assurant. The difference is on the perks: the World Elite Mastercard adds a complimentary Canadian Tire Roadside Assistance Gold plan (worth about $99.95 a year) and concierge service, which the World Mastercard does not include. Neither card has any travel insurance, no emergency medical, trip cancellation, or flight delay on either.

Does the Triangle World Mastercard include roadside assistance?

No. Unlike the Triangle World Elite Mastercard, which comes with a free Canadian Tire Roadside Assistance Gold membership, the World Mastercard certificate includes no roadside benefit. If a breakdown is a concern, you would need to buy a separate roadside plan, such as Canadian Tire's own Roadside Assistance or CAA.

How do I file a claim with the Triangle World Mastercard?

Call the insurer, Assurant, at 1-800-797-8389 from Canada or the US (613-634-4953 locally or collect from elsewhere) as soon as the loss happens. For a damaged or stolen rental you must report within 48 hours; for purchase security, within 90 days and before any repair. Keep the sales receipt, the card statement, the rental agreement, and any police report, then complete the claim form the insurer sends. Submit full proof of claim within one year of the loss.

Triangle World Mastercard benefits: which insurance coverage actually holds up?

Canadian Tire·CA$0/year·World Mastercard·American Bankers Compagnie d'Assurance Générale de la Floride (Assurant)

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 30, 20268 min read

1,1/5Independent review · verified June 2026

Travel Insurance

0,0

Car Rental

3,7

Protection

1,8

Our Verdict · Travel Insurance

Our take on travel insurance for the Canadian Tire Triangle World Mastercard

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

No travel insurance. None at all. The Triangle World Mastercard is built around Canadian Tire rewards, car rental coverage, and purchase protection, and its certificate says nothing about emergency medical, trip cancellation, or flight delay. A World Mastercard tier sounds like it should carry travel medical: this one does not, at any age. Board a flight on this card and every hospital bill abroad and every cancelled deposit is yours to absorb. If you travel outside your province, add a standalone travel medical policy before you go.

What works on travel

Certificate is honest: it never advertises travel medical it does not provide

Where travel breaks down

No emergency medical: every hospital bill abroad is yours
No trip cancellation or interruption: lost prepaid deposits are not refunded
No flight or baggage delay: meals and hotels during a delay are out of pocket

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 Canadian Tire Triangle World Mastercard Travel Insurance actually cover?

No trip cancellation in the certificate. A cancelled $4K family trip is money you do not get back through this card.

No trip cancellation coverage. This card carries no travel insurance certificate, only purchase and rental protection. Any prepaid flights, tours, or hotels you lose to a cancellation are entirely out of pocket.

No emergency medical at all. Provincial plans like OHIP and RAMQ pay almost nothing abroad. A US ER visit runs $20K to $80K, all yours.

No emergency medical coverage. The Triangle World certificate covers purchases and car rentals only, not travel medical. Hospital and physician bills outside your province are the cardholder's responsibility.

No medical evacuation. An air ambulance from the Caribbean or Mexico can exceed $100K out of pocket.

No emergency evacuation or repatriation coverage. This card includes no travel medical insurance of any kind. Air ambulance costs, which can pass $100,000 from a remote location, are entirely yours.

No trip interruption coverage. If a trip is cut short by illness or a family emergency, the unused prepaid portion and extra travel home are not reimbursed. This card protects purchases and rentals, not trips.

No travel delay benefit. A delayed or cancelled flight does not trigger any meal or hotel reimbursement here. Those costs during a long delay are out of pocket.

No missed connection coverage. If a late inbound flight makes you miss a connection, rebooking and extra accommodation are not covered. This card has no travel insurance certificate.

No early return benefit. The cost of flying home early for a family emergency is not reimbursed. This card covers purchases and rentals, not travel disruptions.

No baggage delay coverage. When checked bags arrive late, the essentials you buy in the meantime are not reimbursed. This benefit is not included with this card.

No lost or stolen baggage coverage. Luggage lost, stolen, or damaged by an airline is not compensated through this card. Any replacement cost is the cardholder's responsibility.

No travel accident or common carrier AD&D coverage. There is no accidental death or dismemberment benefit while traveling on a plane, train, or bus. This card carries no travel insurance certificate.

No hotel burglary coverage. Belongings stolen from your hotel room while traveling are not covered. This benefit is not included with this card.

Policy document

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 Canadian Tire Triangle World Mastercard wins, where it loses

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

Compare

Triangle World MastercardThis card1.1/5?

$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 Canadian Tire Triangle World Mastercard stacks up against the alternatives

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

Card	This card Triangle World Mastercard Canadian Tire · $0/yr 1.1/5?	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 →	$2,500 / person ($5,000 / account) $0 deductible	$1,000 / person (max $5,000 / trip)
Emergency medical Hospital bills abroad	Not covered Cover this gap →	$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	Not covered Cover this gap →	Actual cost (pre-authorization required) Pre-authorization required	Included (within medical)
Trip delay trigger Hours before benefits kick in	Not covered Cover this gap →	$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 →	$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 Canadian Tire Triangle World Mastercard

Sentiment from Canadian credit-card review sites on coverage and rentals 28 reviews

Frugal Flyer

2025

Decent free card for the rental waiver

For a $0 annual fee, a primary rental collision waiver up to 31 days plus purchase security and extended warranty is a fair package. Just know it lacks the free roadside Gold plan and concierge you get on the World Elite tier.

Money We Have

2024

No travel insurance at all

There is no emergency travel medical, no trip cancellation, and no flight delay coverage on this card. Anyone assuming a World Mastercard comes with travel protection abroad is exposed and needs a separate policy.

creditcardGenius

2025

Rental cap and no roadside

The rental collision coverage stops at a $65,000 MSRP and 31 days, and unlike the World Elite this tier gives you no complimentary roadside assistance and no cell phone insurance. Useful, but thin.

Canada and US Claims

1-800-797-8389

24/7

International (local / collect)

collect: +1-613-634-4953

Collect calls accepted · 24/7

Benefit administrator: American Bankers Insurance Company of Florida (Assurant) for purchase security, extended warranty, and car rental collision/loss damage waiver. Group Policy CTFS 0213, issued to Canadian Tire Bank.

Claims & pre-authorizations

How to file a Triangle World Mastercard claim

Step 1: Call the insurer right away

Phone Assurant at 1-800-797-8389 from Canada or the US (613-634-4953 locally or collect from elsewhere) as soon as a loss happens. For a damaged or stolen rental, you must report within 48 hours. For purchase security, report within 90 days of the loss and before any repair.

Step 2: Keep your receipts and reports

Hold on to the original sales receipt, the card statement showing the charge, the rental agreement, and any police or loss report. A police report is required when rental damage or theft tops $1,000.

Step 3: Complete and submit the claim form

The insurer sends a claim form to fill in with the time, place, cause, and amount of the loss. Submit it with full proof of claim within one year of the loss, or the claim will not be paid.

Step 4: Get approval before any repair

For purchase security and extended warranty claims, obtain the insurer's approval before proceeding with any repair, or the claim may be denied. The insurer may ask you to send the damaged item, at your expense, to support the claim.

There is nothing to register for the standard benefits. Purchase security and extended warranty apply automatically when you charge the item to the card (warranties over five years must be registered with the insurer within a year). Car rental collision coverage activates when you reserve and pay for the full rental with the card and decline the rental agency's own collision or loss damage waiver at the counter. There is no travel insurance to activate, because this card has no travel insurance certificate, and there is no complimentary roadside plan on this tier.
No. The Triangle World Mastercard includes no emergency travel medical insurance at any age. If you are injured or fall ill outside your province, every hospital, physician, and prescription cost is out of pocket, and provincial plans like OHIP and RAMQ pay almost nothing abroad. A serious US emergency room visit can run $20,000 to $80,000. Anyone traveling on this card should buy a standalone travel medical policy before leaving.
Purchase security and extended warranty cover the primary or supplementary cardmember who charges the item to the account. For car rental collision coverage, the insured person is the cardmember plus any other driver who holds a valid licence and has the cardmember's permission to drive, even if they are not listed on the rental contract. All eligible persons must be residents of Canada and the account must be in good standing.
Reserve and pay for the entire rental with the card and decline the rental agency's collision or loss damage waiver at the counter. The card then covers damage or theft up to the vehicle's actual cash value, for rentals of up to 31 consecutive days, on cars, SUVs, and minivans with an MSRP of $65,000 or less. It is primary coverage, so you do not claim through personal auto insurance first. It covers the vehicle only, never third-party liability, and not personal belongings left in the car.
It is primary. You decline the rental agency's waiver and the card responds directly to damage or theft of the vehicle, up to its actual cash value, without going through your personal auto policy first. That said, it is not full insurance: it covers the rental vehicle only, with no third-party liability for injury or damage you cause to others, so you still need the agency's or your own liability coverage.
The insurance certificate gives both cards the same three benefits: primary car rental collision/loss damage waiver, 90-day purchase security, and extended warranty, all through Assurant. The difference is on the perks: the World Elite Mastercard adds a complimentary Canadian Tire Roadside Assistance Gold plan (worth about $99.95 a year) and concierge service, which the World Mastercard does not include. Neither card has any travel insurance, no emergency medical, trip cancellation, or flight delay on either.
No. Unlike the Triangle World Elite Mastercard, which comes with a free Canadian Tire Roadside Assistance Gold membership, the World Mastercard certificate includes no roadside benefit. If a breakdown is a concern, you would need to buy a separate roadside plan, such as Canadian Tire's own Roadside Assistance or CAA.
Call the insurer, Assurant, at 1-800-797-8389 from Canada or the US (613-634-4953 locally or collect from elsewhere) as soon as the loss happens. For a damaged or stolen rental you must report within 48 hours; for purchase security, within 90 days and before any repair. Keep the sales receipt, the card statement, the rental agreement, and any police report, then complete the claim form the insurer sends. Submit full proof of claim within one year of the loss.