Reimburses non-refundable prepaid travel expenses if you have to cancel your trip before departure for a covered reason such as illness, injury or another insured event.
What does the insurance on my Meridian Visa Infinite Cash Back card actually cover?
Meridian·CA$99/year·Visa Infinite·Desjardins Financial Security (travel) / American Bankers Insurance Company of Florida - Assurant (rental, mobile, purchase)
3,9/5Independent review · verified July 2026
4,1
3,3
3,6
Our Verdict · Travel Insurance
Our take on travel insurance for the Meridian Visa Infinite Cash Back
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
For a cash-back card the Meridian Visa Infinite Cash Back carries a genuinely strong travel package, led by emergency medical coverage of up to $5,000,000 per trip, plus trip cancellation, trip interruption and delay, delayed and lost baggage, and $1,000,000 in common carrier accident protection. The travel benefits are underwritten by Desjardins Financial Security. The main limits are the age cap (covered trip length shrinks from 48 days at age 59 and under to 15 days at 65 to 75, with no coverage at 76 or over) and the absence of hotel burglary coverage.
What works on travel
- Emergency medical up to $5,000,000 per insured per trip
- Trip cancellation up to $2,000 and trip interruption/delay coverage
- $1,000,000 common carrier travel accident protection
- Delayed baggage $500 and lost or damaged baggage $1,000 per trip
Where travel breaks down
- No emergency medical coverage for travellers age 76 or over
- Covered duration shrinks with age (only 15 days from 65 to 75)
- No hotel or lodging burglary coverage
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 Meridian Visa Infinite Cash Back Travel Insurance actually cover?
Charge your trip to the card and keep proof that the cancelled arrangements were non-refundable.
What's covered
- Up to $2,000 per insured person per trip
- Covers the cardholder, spouse and eligible dependent children
- Applies to prepaid, non-refundable travel arrangements
What's not covered
- Cancellation for reasons not listed as covered
- Pre-existing conditions per the certificate
- Events known before you booked
The covered trip length drops sharply with age and there is no coverage at all from age 76, so older travellers should buy a separate policy.
Emergency medical coverage for eligible expenses if you get sick or injured while travelling outside your home province, including hospital care, treatment, transportation and repatriation.
What's covered
- Up to $5,000,000 per insured person per trip
- 48 days for age 59 and under, 23 days for 60 to 64, 15 days for 65 to 75
- Includes emergency transportation and repatriation
What's not covered
- No coverage for anyone age 76 or over at the departure date
- Pre-existing or unstable medical conditions per the certificate
- Travel against a government advisory or to obtain treatment
Always call the assistance line before arranging any medical transportation so it is authorized.
If a medical emergency abroad requires it, the emergency medical benefit and 24/7 travel assistance help arrange and pay for medically necessary transportation home.
What's covered
- Medically necessary repatriation arranged through Desjardins travel assistance
- Coordination of hospital admission and return travel
- Available 24 hours a day
What's not covered
- Transportation not approved in advance by the assistance provider
- Expenses beyond the emergency medical maximum
Keep receipts for meals, lodging and rebooking while your trip is interrupted.
Covers additional travel and living expenses if your trip is interrupted after departure for a covered reason, including reasonable living expenses when illness or injury delays you.
What's covered
- Up to $2,000 per insured for a missed connection
- Up to $200 a day, to a maximum of $2,000, for reasonable living expenses
- Unlimited coverage for return travel due to illness or accident
What's not covered
- Interruptions for reasons not listed as covered
- Expenses that are refundable elsewhere
Get written confirmation of the delay and its cause from the carrier.
Reimburses additional expenses caused by a covered travel delay after departure, such as extra transport arrangements when your trip is delayed.
What's covered
- Up to $2,000 per insured person per trip
- Covers additional travel arrangements after a covered delay
What's not covered
- Delays for reasons not covered by the certificate
- Costs reimbursed by the carrier
Ask the carrier for documentation showing why the connection was missed.
Covers reasonable additional costs to reach your destination if you miss a connection during your trip for a covered reason.
What's covered
- Up to $2,000 per insured person per trip for a missed connection
What's not covered
- Missed connections due to reasons not covered
- Costs already covered by the carrier
This shares the trip interruption limit, so plan it alongside your other interruption claims.
If a covered event forces you to return home early, the trip interruption benefit helps cover the additional cost of your changed return travel.
What's covered
- Additional return travel costs due to a covered interruption
- Covers the cardholder, spouse and eligible dependent children
What's not covered
- Early return for reasons not listed as covered
- Refundable portions of your original ticket
Keep receipts for the essentials you buy while waiting for your bag.
Reimburses the cost of essential toiletries and clothing if your checked baggage is delayed by the carrier for more than 6 hours.
What's covered
- Up to $500 per insured person per trip
- Triggered when checked baggage is delayed more than 6 hours
What's not covered
- Delays under 6 hours
- Items bought after your baggage is recovered
Report loss or damage to the carrier immediately and keep the written report.
Covers repair or replacement of checked baggage and its contents if they are lost, stolen or damaged by the common carrier.
What's covered
- Up to $500 per item and $1,000 per insured person per trip
- Combined maximum of $250 for passports and travel documents
What's not covered
- Cash, tickets, securities and certain valuables
- Items not checked with the carrier
This is accidental death and dismemberment cover, not a substitute for life insurance.
Pays a benefit in the event of accidental death or serious injury while you are riding as a fare-paying passenger on a common carrier such as a plane, train, boat or bus.
What's covered
- Up to $1,000,000 per insured person per trip
- Covers the cardholder, spouse and eligible dependent children
- Applies to travel by common carrier
What's not covered
- Accidents not occurring aboard a common carrier
- Self-inflicted injury and excluded activities
This card does not include hotel or lodging burglary coverage; theft of belongings from your accommodation is not insured.
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 Meridian Visa Infinite Cash Back wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Medical: well above the market average
Evacuation: above the market average
Stay Interrupt: above the market average
Compare
Visa Infinite Cash BackThis card3.9/5?
CA$99/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
CA$238 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the Meridian Visa Infinite Cash Back stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Visa Infinite Cash Back shoppers also consider.
| Card | This card Visa Infinite Cash Back Meridian · CA$99/yr 3.9/5? | Visa Infinite Travel Rewards Meridian · CA$99/yr 3.9/5? | 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 | $2,000 / person | $2,000 / insured / trip | $2,500 / person ($5,000 / account) $0 deductible | $1,000 / person (max $5,000 / trip) |
Emergency medical Hospital bills abroad | $5,000,000 / person | $5,000,000 / insured / trip | $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 | Included | Actual cost (pre-authorization required) Pre-authorization required | Included (within medical) |
Trip delay trigger Hours before benefits kick in | $2,000 / person | $200 / day (max $2,000) | $500 / account / trip (6h+ delay) Trigger: 6 hours | $500 / trip ($250/day, up to 2 days) |
Trip interruption Covered amount | $2,000 + $200/day | $2,000 / insured + $200/day (max $2,000) | $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 Meridian Visa Infinite Cash Back
Real reviews collected from creditcardGenius (aggregate 1.6 out of 5 from 8 reviews). 8 reviews
PB
Paul B
Customer service is useless
The credit card company customer service is totally useless. They don't have a clue what they are doing and are very rude on top of that.
AN
Andrew
Worst customer service
It sucks. This card has the very worst customer service ever.
PE
Peter
Wallet and delivery issues
I could not add the card to my digital wallets despite repeated attempts, and delivery took far longer than other issuers. Transfers between the credit and chequing accounts are restrictive. That said, the 4% cash back and low annual fee are great perks.
AL
Alan
Statements always late
My monthly statements consistently arrived about 8 days late, with the bill due before I even received the statement. It persisted even after I spoke with branch management, so I stopped using the card. Otherwise, it was a good card.
EP
Elizabeth P.
Over a month to get access
Very worst customer service ever. The operations felt US-based, the password reset did not work with Canadian ATMs, the card took two weeks to arrive and the PIN letter another two weeks, so I was over a month without access.
Emergency · Card assistance line
How to contact Meridian Visa Infinite Cash Back assistance?
This card uses two administrators: Desjardins for travel benefits and Assurant for purchase, rental and mobile benefits.
Purchase, rental and mobile claims (Assurant)
1-855-255-4037
Toll-free from Canada and the US; 1-613-634-4956 collect · Business hours
24/7 travel assistance and travel claims (Desjardins)
1-844-234-6255
Toll-free from Canada and the US; 1-514-875-4126 international collect · 24 hours a day, 7 days a week
Benefit administrator: Desjardins Financial Security (travel) / Assurant, American Bankers Insurance Company of Florida (purchase, rental, mobile)
Claims & pre-authorizations
How to make a claim
1
Call the right administrator first
For travel medical, trip cancellation or interruption, baggage or common carrier accident, call Desjardins at 1-844-234-6255. For purchase protection, extended warranty, rental or mobile device, call Assurant at 1-855-255-4037. Notify them before incurring major costs.
2
Gather your documents
Keep original itemized receipts, your Meridian Visa statement showing the charge, and any medical, police or common carrier reports, plus the rental agreement or repair estimates where relevant.
3
Submit within the deadline
File within the time limits in your Certificate of Insurance. Written notice is generally required within about 30 days of the loss and proof of loss within about 90 days.
4
Track and follow up
You can file and track purchase, rental and mobile device claims online at cardbenefits.assurant.com. Keep copies of everything you send.
FAQ
What people ask about the Meridian Visa Infinite Cash Back
- Yes. It includes emergency medical coverage of up to $5,000,000 per insured person per trip for emergencies that happen while you are travelling outside your home province. The travel coverage is underwritten by Desjardins Financial Security.
- The covered trip length depends on your age at the departure date: 48 days if you are 59 or under, 23 days from 60 to 64, and 15 days from 65 to 75. There is no emergency medical coverage for anyone age 76 or over.
- Yes. Trip cancellation reimburses up to $2,000 per person for non-refundable prepaid expenses before departure, and trip interruption or delay covers up to $2,000 for a missed connection plus up to $200 a day (to a maximum of $2,000) in living expenses after departure.
- Yes. Auto rental collision and loss damage insurance covers vehicles with an actual cash value up to $65,000 for rentals of up to 48 consecutive days, as long as you charge the full rental to the card and decline the agency's collision or loss damage waiver.
- Yes. Mobile device insurance pays up to $1,000 per occurrence for loss, theft, accidental damage or mechanical breakdown if you buy the device or pay all your monthly wireless bills with the card. A deductible and 2% monthly depreciation apply.
- The travel benefits (medical, common carrier accident, trip cancellation and interruption, and baggage) are underwritten by Desjardins Financial Security. The rental, mobile device, purchase protection, extended warranty and price protection benefits are provided by Assurant (American Bankers Insurance Company of Florida).
- Meridian is an Ontario credit union, so the card is generally available only to people who live or work in Ontario. It carries a $99 annual fee (waived the first year) and requires $60,000 personal or $100,000 household income.
Not just Meridian
Other cards worth considering
Visa Infinite Cash Back is a strong choice — but depending on what you prioritize, one of these may suit you better.
Rewards World Elite Mastercard
BMO
World Elite Mastercard
ATB Financial
World Elite Mastercard
National Bank
WestJet World Elite Mastercard
RBC
Fill the gaps in your card
Find complementary travel insurance
We analyze the gaps in your card and recommend the best complementary travel insurance based on your destination and profile.
Step 1 of 3
