Does the MBNA True Line Mastercard include travel insurance?

No. The True Line Mastercard carries no travel insurance — there is no emergency medical coverage abroad, no trip cancellation or interruption, no flight or baggage delay, no lost baggage and no travel accident coverage. It is a low-interest card, not a travel card, so you would need a separate travel insurance policy when you travel.

Does it cover rental cars?

No. The card provides no rental car collision/loss damage waiver (CDW), no liability, no roadside assistance and no personal effects or personal accident coverage. The ~10% discount on the base rate at Avis or Budget is a price discount, not insurance.

What insurance does the True Line Mastercard actually include?

Only two benefits: Purchase Assurance and Extended Warranty. Both are provided by TD Home and Auto Insurance Company under group policy TGV012 and administered by Global Excel Management Inc.

How does Purchase Assurance work?

When you charge the full cost of an eligible new item to your card, Purchase Assurance protects it against theft or damage for 90 days from the date of purchase, anywhere in the world. The item is repaired, replaced or reimbursed at the purchase price (excluding taxes), up to a lifetime maximum of $60,000 per account. Computers are limited to $1,000 per loss and jewellery/fine art to $500 per item.

How does the Extended Warranty work?

Extended Warranty doubles the original manufacturer's warranty for repair services, up to one additional year, on eligible items charged in full to the card. Manufacturer's warranties of 5 years or less are covered automatically; longer warranties must be registered with the Operations Centre within one year of purchase.

Who provides and administers the coverage?

The insurer is TD Home and Auto Insurance Company (MBNA is a division of The Toronto-Dominion Bank), under group policy TGV012. Claims and assistance are handled by Global Excel Management Inc. at 1-866-520-8827 (Canada/U.S.) or +1-519-742-9356 (collect, elsewhere).

How do I make a claim?

Notify Global Excel as soon as you learn of a loss and within 30 days of the event by calling 1-866-520-8827. You'll receive a claim form within 15 days; return it with your proof of loss (including your receipts) within 90 days of the date the claim arises. Approved claims are paid within 60 days.

Is there a fee for the insurance?

No. The True Line Mastercard has a $0 annual fee, and no separate fee is charged for the Purchase Assurance and Extended Warranty benefits.

What does the insurance on my MBNA True Line Mastercard card actually cover?

MBNA·CA$0/year·Mastercard·TD Home and Auto Insurance Company

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

0,3/5Independent review · verified July 2026

Travel Insurance

0,0

Car Rental

0,0

Protection

2,4

Our Verdict · Travel Insurance

Our take on travel insurance for the MBNA True Line Mastercard

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

The MBNA True Line Mastercard carries no travel insurance whatsoever — no emergency medical, trip cancellation or interruption, travel/baggage delay, lost baggage, travel accident or hotel theft coverage. It is a low-interest card, not a travel card.

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 MBNA True Line Mastercard Travel Insurance actually cover?

The True Line Mastercard does not include trip cancellation insurance; non-refundable costs of a cancelled trip are not reimbursed.

There is no emergency medical or hospital coverage abroad on this card; medical costs while travelling are your responsibility.

Emergency medical evacuation and repatriation are not covered by this card.

Trip interruption is not covered; the cost of cutting a trip short is not reimbursed.

Travel and flight delay expenses (meals, hotel) are not covered by this card.

Missed connection costs are not covered by this card.

Early return expenses are not covered by this card.

Baggage delay is not covered by this card.

Lost or stolen baggage is not covered by this card.

There is no common carrier travel accident (AD&D) coverage on this card.

Theft of belongings from a hotel room is not covered by 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 MBNA True Line Mastercard wins, where it loses

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

Trip Cancel: not covered by this card

Medical: not covered by this card

Evacuation: not covered by this card

Compare

True Line MastercardThis card0.3/5?

CA$0/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

CA$236 avg. annual fee

Click a layer to highlight its scores on the radar.

Side-by-side comparison

How the MBNA True Line Mastercard stacks up against the alternatives

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

Card	This card True Line Mastercard MBNA · CA$0/yr 0.3/5?	Rewards World Elite Mastercard BMO · CA$150/yr 4.3/5?	World Elite Mastercard ATB Financial · CA$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 MBNA True Line Mastercard

Real user reviews from creditcardGenius (user rating 2.9/5 from 12 reviews) 12 reviews

New Brunswick (creditcardGenius)

2023

Helped pay down debt

"I used this card to pay off some pretty high credit card debts...I have said goodbye to infinity payments on 3 credit cards in the last 2+ years and am down to $30k in debt."

Keith (creditcardGenius)

2023

Great balance transfer perk

"Awesome card for sure. Help me with their balance transfer perks."

Riaz A (creditcardGenius)

2023

Poor balance transfer communication

"They didn't tell me my balance transfer wasn't approved until I called it and only had an $8000 limit. Pretty frustrating customer support experience."

Claims — Canada & U.S. (toll-free)

1-866-520-8827

24/7

Claims — elsewhere (call collect)

+1-519-742-9356

24/7

Benefit administrator: Global Excel Management Inc.

Claims & pre-authorizations

How to make a Purchase Assurance or Extended Warranty claim

Notify Global Excel promptly

Report your loss to the claims administrator, Global Excel Management Inc., as soon as you learn of it — and within 30 days of the event. Call 1-866-520-8827 toll-free from Canada or the U.S., or +1-519-742-9356 locally or collect from elsewhere.

Complete the claim form

Global Excel will send you a claim form within 15 days of receiving your notice of claim. If you don't receive it, send a written description of the loss and your proof of loss to the Operations Centre.

Submit your proof of loss

Send the completed claim form together with written proof of loss — including the merchant receipt and the Mastercard sales receipt — within 90 days of the date the claim arises.

Receive your payment

Once your claim is approved, payment is made within 60 days of receipt of satisfactory proof of loss.

No. The True Line Mastercard carries no travel insurance — there is no emergency medical coverage abroad, no trip cancellation or interruption, no flight or baggage delay, no lost baggage and no travel accident coverage. It is a low-interest card, not a travel card, so you would need a separate travel insurance policy when you travel.
No. The card provides no rental car collision/loss damage waiver (CDW), no liability, no roadside assistance and no personal effects or personal accident coverage. The ~10% discount on the base rate at Avis or Budget is a price discount, not insurance.
Only two benefits: Purchase Assurance and Extended Warranty. Both are provided by TD Home and Auto Insurance Company under group policy TGV012 and administered by Global Excel Management Inc.
When you charge the full cost of an eligible new item to your card, Purchase Assurance protects it against theft or damage for 90 days from the date of purchase, anywhere in the world. The item is repaired, replaced or reimbursed at the purchase price (excluding taxes), up to a lifetime maximum of $60,000 per account. Computers are limited to $1,000 per loss and jewellery/fine art to $500 per item.
Extended Warranty doubles the original manufacturer's warranty for repair services, up to one additional year, on eligible items charged in full to the card. Manufacturer's warranties of 5 years or less are covered automatically; longer warranties must be registered with the Operations Centre within one year of purchase.
The insurer is TD Home and Auto Insurance Company (MBNA is a division of The Toronto-Dominion Bank), under group policy TGV012. Claims and assistance are handled by Global Excel Management Inc. at 1-866-520-8827 (Canada/U.S.) or +1-519-742-9356 (collect, elsewhere).
Notify Global Excel as soon as you learn of a loss and within 30 days of the event by calling 1-866-520-8827. You'll receive a claim form within 15 days; return it with your proof of loss (including your receipts) within 90 days of the date the claim arises. Approved claims are paid within 60 days.
No. The True Line Mastercard has a $0 annual fee, and no separate fee is charged for the Purchase Assurance and Extended Warranty benefits.