Laurentian Bank Visa Infinite insurance: what does the coverage really include?

Trip cancellation pays up to $2,000 per trip for cancellation before departure, travel agency bankruptcy, a delayed departure or a missed connection, and up to $5,000 per trip for an early or delayed return. It reimburses the non-refundable prepaid portion of your travel arrangements charged to the card. Covered reasons include illness, accident or death of you, a travel companion or a family member, a disaster at your home, jury duty, and a government travel advisory issued after booking.

Emergency hospital, medical and paramedical care is covered up to $5,000,000 per person for an accident or sudden illness during a trip outside your province. Coverage lasts a maximum of 31 days for travellers aged 65 and under, and 15 days for travellers 66 to 75. You must call the assistance service for pre-approval of fees, or notify them as soon as possible, and the care must be urgent and necessary to stabilize your condition.

Emergency medical evacuation and repatriation are included within the $5,000,000 emergency medical benefit. The insurer covers the cost of transporting you to an appropriate facility or back home when it is medically necessary. You must contact the assistance service for pre-approval, and the same age and duration limits as the medical benefit apply.

Trip interruption is covered under the trip cancellation benefit, which pays up to $5,000 per trip for an early or delayed return caused by a covered event. It reimburses the unused non-refundable portion of prepaid arrangements plus an economy class airfare to return home. The covered reasons are the same as for trip cancellation.

A delayed departure is covered under the trip cancellation benefit, up to $2,000 per trip. It reimburses additional costs and an economy class airfare ticket when your departure is delayed by a covered cause. The summary does not publish a fixed hour trigger; the delay must result from one of the listed covered events.

A missed connection is covered under the trip cancellation benefit, up to $2,000 per trip. It reimburses additional costs and an economy class airfare when you miss a connection because of a covered cause. The connection and original tickets must have been charged to the card.

Early or delayed return is covered up to $5,000 per trip under the trip cancellation benefit. When a covered event forces you home early or delays your return, the card reimburses the unused prepaid portion of your trip plus an economy class airfare. Covered reasons match the trip cancellation list, including illness, family death and a disaster at home.

Baggage delay reimburses essential purchases when your checked baggage is delayed more than 12 hours. You receive up to $200 per person ($1,000 for all insured) for a delay of 12 to 72 hours, and up to $500 per person ($2,500 for all insured) for a delay over 72 hours. Items such as toiletries, underwear and everyday clothing must be bought within four days of arrival and before your baggage is delivered, and the plane ticket must be charged to the card.

No lost or stolen baggage coverage. This card only reimburses essentials when checked baggage is delayed, not the value of bags that are permanently lost or stolen. The full cost of replacing lost or stolen luggage and its contents is the cardholder's responsibility.

Public transportation vehicle accident insurance pays a benefit if you suffer loss of life or a serious injury while a paying passenger on a public transportation vehicle during your trip. The benefit is $500,000 for loss of life, and $83,333 to $500,000 for other covered injuries such as loss of a limb, sight, speech or hearing. Your ticket must be charged to the card.

No hotel or motel burglary coverage. This benefit is not included with this card. The cost of belongings stolen from your accommodation is the cardholder's responsibility.