How much emergency medical coverage does the Odyssey World Elite Mastercard include?

Up to $5,000,000 per insured person, per trip. The number of covered days depends on your age on departure: 60 days if you are 59 or under, 31 days at 60–64, and 15 days at 65–75. There is no emergency medical coverage from age 76.

How long am I covered for a trip?

Emergency health care and baggage are covered for up to 60 consecutive days if you are under 60 (fewer days as you get older). Trip cancellation has no age limit and applies for up to 365 days. For longer trips you can call 1-800-463-1623 before departure to extend coverage for an extra premium.

Does this card cover trip cancellation and interruption?

Yes. Trip cancellation pays up to $2,500 per person before departure for one of 18 recognized causes. Changes or interruptions made during a trip are reimbursed with no maximum. The trip must be paid with the card.

Is the car rental insurance primary?

Yes — the Auto Rental Collision/Loss Damage Insurance is primary when you decline the rental agency's own collision damage waiver. It covers the actual value of the vehicle for up to 48 consecutive days, on vehicles with an MSRP up to $85,000. It does not include third-party liability.

Does the card have flight delay or baggage delay coverage?

There is no flight or transport delay benefit. Baggage delay is covered: if your luggage is delayed by the carrier for more than 6 hours, you can be reimbursed up to $500 for essentials, within the $1,000 overall baggage maximum.

What purchase protections come with the card?

Purchase protection covers new items for 120 days ($10,000 per item, $50,000 lifetime per account), extended warranty doubles the manufacturer's warranty by up to 2 years, and mobile device insurance reimburses up to $1,500 (depreciated value, less a deductible).

Are pre-existing medical conditions covered?

You are not covered for a medical condition that was not stable in the 182 days before departure (90 days if you are under 55) for emergency medical, or in the 90 days before purchase for trip cancellation. Always review the certificate for the stability definition.

Who insures the coverage and how do I claim?

Travel coverage is underwritten by Desjardins Insurance (claims at www.desjardinstravelinsurance.ca, assistance 1-800-463-1623 or 418-838-9268 collect). Mobile, purchase, extended warranty and auto-rental coverage are underwritten by Assurant (1-888-409-4442). For a medical emergency, always call assistance before incurring expenses.

What does the Odyssey World Elite Mastercard cost?

The annual fee is $130 for the primary cardholder and $40 per additional card. You need an annual income of $80,000 (personal) or $150,000 (household). The insurance is included at no extra cost in the annual fee.

What does the insurance on my Odyssey World Elite Mastercard card actually cover?

Desjardins·CA$130/year·World Elite Mastercard·Desjardins Insurance (travel) / Assurant – American Bankers Insurance Company of Florida (protection & rental)

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

3,8/5Independent review · verified June 2026

Travel Insurance

3,8

Car Rental

3,9

Protection

3,2

Our Verdict · Travel Insurance

Our take on travel insurance for the Desjardins Odyssey World Elite Mastercard

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

The Odyssey World Elite is one of the strongest travel cards in our Canadian set on the coverages it offers, even though it offers only three: emergency medical care is best-in-class at $5,000,000 per trip for up to 60 consecutive days (under age 60), trip cancellation pays $2,500 before departure with unlimited reimbursement for changes made during a trip, and baggage is covered up to $1,000 including a $500 delay benefit after 6 hours. The trade-off is that there is no flight/transport delay benefit, no common-carrier travel-accident (AD&D) coverage, no missed-connection benefit, and no hotel-burglary coverage. Coverage days shrink with age (31 days at 60–64, 15 days at 65–75) and there is no medical coverage at all from age 76.

What works on travel

Emergency medical up to $5,000,000 per person, per trip
60 days of coverage for travellers under 60
Unlimited reimbursement for changes made during a trip (trip modification)
$2,500 trip cancellation, no age limit, up to 18 recognized causes
Baggage $1,000 plus a $500 delay benefit after 6 hours

Where travel breaks down

No flight/transport delay benefit
No travel accident (AD&D) coverage
No missed-connection benefit
Coverage days drop sharply with age and end entirely at 76
Pre-existing conditions must be stable for 182 days (90 if under 55)

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 Desjardins Odyssey World Elite Mastercard Travel Insurance actually cover?

Changes made during the trip (modification) are reimbursed with no maximum — see trip interruption.

Trip cancellation reimburses non-refundable amounts charged to the card if you must cancel before departure for one of 18 recognized causes.

What's covered

Up to $2,500 per insured person before departure
No age limit; up to 365 days
18 recognized causes (illness, accident, death, travel advisories, etc.)

What's not covered

Trip must be paid with the Odyssey World Elite Mastercard
Medical conditions not stable in the 90 days before purchase

Days included by age: 60 days if 59 or under, 31 days at 60–64, 15 days at 65–75.

Emergency health care covers sudden, unforeseen illness or accident outside your home province, including transport, repatriation and dental.

What's covered

Up to $5,000,000 per insured person, per trip
Emergency transport, repatriation, dental, vehicle return, family visit
$200/day, $2,000 total living expenses

What's not covered

Medical conditions not stable in the 182 days (90 if under 55) before departure
No coverage from age 76

Always call assistance at 1-800-463-1623 before incurring expenses.

Repatriation and emergency medical transport are included within the emergency health care coverage.

What's covered

Emergency repatriation to your home province
Return of remains; vehicle return

What's not covered

Subject to the emergency health care age and day limits

This is the card's strongest travel benefit — trip modification during travel is uncapped.

Changes or interruptions made during a trip for a recognized cause are reimbursed with no maximum.

What's covered

No maximum for changes made during a trip
Covers extra return transport and unused, non-refundable portions

What's not covered

Must result from one of the 18 recognized causes
Trip charged to the card

This card does not include a flight or transport delay benefit; delayed-departure meal/accommodation costs are not reimbursed.

There is no dedicated missed-connection benefit on this card.

There is no standalone early-return benefit; an early return for a recognized cause is handled under trip modification (see trip interruption).

Keep receipts for essentials; reimbursement counts toward the $1,000 baggage cap.

If your baggage is delayed by the carrier for more than 6 hours, the cost of basic necessities is reimbursed.

What's covered

Up to $500 for essential purchases after a 6-hour delay

What's not covered

Forms part of the $1,000 overall baggage maximum

Per-item cap is $500 — high-value single items are only partially covered.

Pays if your luggage is stolen, or lost, damaged or delivered late by the common carrier.

What's covered

Up to $1,000 per insured person, per trip
$500 per item; $250 for lost documents

What's not covered

Same age-tiered day limits as emergency medical

This card does not include personal liability or common-carrier travel accident (AD&D) coverage.

There is no hotel/motel burglary coverage 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 Desjardins Odyssey World Elite Mastercard wins, where it loses

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

Compare

Odyssey World Elite MastercardThis card3.8/5?

$130/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 Desjardins Odyssey World Elite Mastercard stacks up against the alternatives

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

Card	This card Odyssey World Elite Mastercard Desjardins · $130/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	$2,500 / person	$2,500 / person ($5,000 / account) $0 deductible	$1,000 / person (max $5,000 / trip)
Emergency medical Hospital bills abroad	$5,000,000 / person	$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	Included	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	Unlimited (during 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 Desjardins Odyssey World Elite Mastercard

Sentiment from Canadian credit-card review sites on coverage and claims 71 reviews

Milesopedia

2025

$5M medical and a primary rental waiver that delivers

Best-in-class $5,000,000 emergency medical for up to 60 days, plus a primary rental CDW good to an $85,000 MSRP for 48 days. Few Canadian cards match that combination, and the medical limit alone makes it a serious travel card.

Prince of Travel

March 2025

Trip cancellation and changes held up on my claim

Cancellation pays $2,500 before departure and reimburses changes once you are on the trip. I claimed a reroute mid-trip and Desjardins covered it without a fight. Baggage up to $1,000 with a delay benefit rounds it out nicely.

r/CreditCardsCanada

2024

Medical cuts off at 76 and no flight-delay benefit

Great while you are under 60, but coverage days shrink fast with age and there is no medical at all from 76. There is also no flight or transport delay and no missed-connection cover, so older travellers and anyone worried about delays need a separate policy.

Desjardins travel assistance (Canada & US)

1-800-463-1623

Toll-free · 24/7

Travel assistance abroad (collect)

418-838-9268

Call collect · 24/7

Benefit administrator: Desjardins Insurance (Desjardins Financial Security Life Assurance Company) for travel; American Bankers Insurance Company of Florida (Assurant) for protection & auto rental (1-888-409-4442)

Claims & pre-authorizations

How to make a claim

Call assistance before acting

For a medical emergency, call Desjardins travel assistance at 1-800-463-1623 (Canada/US) or 418-838-9268 collect worldwide BEFORE going to a hospital or clinic. For a mobile/purchase/warranty/rental claim, notify Assurant at 1-888-409-4442 and get prior approval before any repair or replacement.

Get the claim form

Request the required claim form by phone or online — travel claims at www.desjardinstravelinsurance.ca, Assurant claims at assurant.ca/customer-assistance.

Submit proof within the deadline

Send the completed form and supporting documents within 90 days of the event (travel) or notice of loss; full proof of loss for Assurant claims within 1 year of the date of loss.

Receive the decision

Desjardins pays approved travel claims within 60 days of receiving all required documents; Assurant benefits are paid directly to you on receipt of full proof of loss.

Up to $5,000,000 per insured person, per trip. The number of covered days depends on your age on departure: 60 days if you are 59 or under, 31 days at 60–64, and 15 days at 65–75. There is no emergency medical coverage from age 76.
Emergency health care and baggage are covered for up to 60 consecutive days if you are under 60 (fewer days as you get older). Trip cancellation has no age limit and applies for up to 365 days. For longer trips you can call 1-800-463-1623 before departure to extend coverage for an extra premium.
Yes. Trip cancellation pays up to $2,500 per person before departure for one of 18 recognized causes. Changes or interruptions made during a trip are reimbursed with no maximum. The trip must be paid with the card.
Yes — the Auto Rental Collision/Loss Damage Insurance is primary when you decline the rental agency's own collision damage waiver. It covers the actual value of the vehicle for up to 48 consecutive days, on vehicles with an MSRP up to $85,000. It does not include third-party liability.
There is no flight or transport delay benefit. Baggage delay is covered: if your luggage is delayed by the carrier for more than 6 hours, you can be reimbursed up to $500 for essentials, within the $1,000 overall baggage maximum.
Purchase protection covers new items for 120 days ($10,000 per item, $50,000 lifetime per account), extended warranty doubles the manufacturer's warranty by up to 2 years, and mobile device insurance reimburses up to $1,500 (depreciated value, less a deductible).
You are not covered for a medical condition that was not stable in the 182 days before departure (90 days if you are under 55) for emergency medical, or in the 90 days before purchase for trip cancellation. Always review the certificate for the stability definition.
Travel coverage is underwritten by Desjardins Insurance (claims at www.desjardinstravelinsurance.ca, assistance 1-800-463-1623 or 418-838-9268 collect). Mobile, purchase, extended warranty and auto-rental coverage are underwritten by Assurant (1-888-409-4442). For a medical emergency, always call assistance before incurring expenses.
The annual fee is $130 for the primary cardholder and $40 per additional card. You need an annual income of $80,000 (personal) or $150,000 (household). The insurance is included at no extra cost in the annual fee.