Travel Emergency Medical reimburses eligible emergency medical expenses up to $5,000,000 per insured person per trip for a sudden, unexpected illness or injury that occurs while travelling outside your province of residence.
What does the insurance on my Meridian Visa Infinite Travel Rewards card actually cover?
Meridian·CA$99/year·Visa Infinite·American Bankers (Assurant)
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 Travel Rewards
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
The Meridian Visa Infinite Travel Rewards card carries one of the stronger travel suites among Canadian credit-union cards: emergency medical up to $5,000,000 per insured per trip, $1,000,000 common-carrier travel accident, trip cancellation and interruption/delay, and both delayed and lost/damaged baggage. The headline risk is the age-tiered medical duration — coverage drops from 48 days (age 59 and under) to just 15 days for ages 65–75, and there is no medical coverage at all for anyone 76 or older. Cancellation and baggage limits ($2,000 and $500/$1,000) are modest, so this is best treated as a medical-first travel card.
What works on travel
- Emergency medical up to $5,000,000 per insured per trip
- Common-carrier travel accident up to $1,000,000
- 48 days of medical coverage for travellers age 59 and under
- Trip cancellation, interruption/delay and baggage all included
Where travel breaks down
- Medical duration drops to 15 days for ages 65–75 and is nil at 76+
- Trip cancellation capped at only $2,000 per insured
- Baggage limits are modest ($500 delayed / $1,000 lost)
- No personal civil liability or hotel-theft 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 Travel Rewards Travel Insurance actually cover?
Age-tiered duration per trip: 48 days (age 59 and under), 23 days (60–64), 15 days (65–75), no coverage at 76+.
What's covered
- Hospital and physician charges
- Emergency ambulance and licensed air ambulance
- Prescription drugs and emergency dental
- Emergency medical transport / repatriation
What's not covered
- No coverage for persons age 76 or over on the departure date
- Medical conditions that are not stable, pregnancy and routine pre-natal care
- Expenses not reimbursed by a government health insurance plan (GHIP) only paid in excess
Must be arranged and pre-authorized by Assurant before transport.
Emergency medical transportation and repatriation to your province of residence is included within the Travel Emergency Medical benefit when medically necessary.
What's covered
- Medically necessary evacuation / repatriation
- Return of remains in the event of death
What's not covered
- Transport not pre-approved by the insurer
- Applies only while emergency medical coverage is in force
Eligible prepaid travel costs must be paid for the card to apply.
Trip Cancellation reimburses the non-refundable, prepaid portion of your trip (up to $2,000 per insured) when you must cancel before departure for a covered reason.
What's covered
- Covered causes including illness, injury or death of an insured or family member
- Most prepaid travel arrangements charged appropriately
What's not covered
- Cancellation due to a pre-existing condition that is not stable
- Events known before the trip was booked
Living-expense reimbursement requires receipts.
Trip Interruption reimburses unused prepaid expenses and the extra cost to return home, plus necessary living expenses, when a covered cause interrupts your trip after departure.
What's covered
- Unused non-refundable prepaid expenses
- Up to $200 a day to a maximum of $2,000 for necessary living expenses
- Unlimited coverage of the return transportation due to illness or accident
What's not covered
- Interruption due to a non-covered cause
- Expenses already reimbursed by another party
Shares the $2,000 living-expense maximum with trip interruption.
Provides necessary living expenses when your trip is delayed after departure for a covered cause.
What's covered
- Up to $200 a day for meals and accommodation
- Maximum $2,000 per insured per trip
What's not covered
- Delays not caused by a covered event
- Expenses without supporting receipts
Forms part of the trip interruption/delay benefit.
Reimburses additional costs when a covered missed connection disrupts your trip after departure.
What's covered
- Up to $2,000 per insured per trip for a covered missed connection
What's not covered
- Connections missed for reasons within your control
- Non-covered causes
Covered within the trip interruption limit; pre-approval recommended.
The cost of returning home early following a covered trip-interruption cause is included within the Trip Interruption benefit.
What's covered
- Extra transportation cost to return home early for a covered reason
What's not covered
- Early return for a non-covered reason
Keep receipts for replacement purchases.
Delayed Baggage reimburses the cost of essential toiletries and clothing if your checked baggage is delayed more than 6 hours from arrival at your destination.
What's covered
- Up to $500 per insured per trip for essential replacement purchases
- Applies after a delay of more than 6 hours
What's not covered
- Purchases made after baggage is recovered
- Delays on the final leg returning home
Coverage applies to common-carrier loss only.
Lost/Damaged Baggage reimburses repair or replacement of personal property lost, stolen or damaged by the common carrier.
What's covered
- Up to $500 per item and $1,000 per insured per trip
- Up to $250 combined for passports, driver's licences and visas
What's not covered
- Cash, securities and tickets
- Items left unattended
This card does not include personal civil liability coverage; bodily injury or property damage you cause to others abroad is not covered.
This card does not include a dedicated hotel-room theft benefit; belongings stolen from your accommodation are not covered under this certificate.
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 Travel Rewards wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Compare
Visa Infinite Travel RewardsThis card3.9/5?
$99/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
$150 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the Meridian Visa Infinite Travel Rewards stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Visa Infinite Travel Rewards shoppers also consider.
| Card | This card Visa Infinite Travel Rewards Meridian · $99/yr 3.9/5? | 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 | $2,000 / 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 / 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 | Actual cost (pre-authorization required) Pre-authorization required | Included (within medical) | |
Trip delay trigger Hours before benefits kick in | $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 / 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 Travel Rewards
Verified cardholder rating aggregated from creditCardGenius. Reviews are few because the card is available only to Ontario residents. 1 reviews
S(
Seva (via creditCardGenius)
Frustrating service and billing after cancellation
Endless hours on the phone with multiple transfers to get my card, claim rewards, and finally close the account. Even after being told it was closed, I was charged the annual fee and still receive statements.
Emergency · Card assistance line
How to contact Meridian Visa Infinite Travel Rewards assistance?
Insurance on the Meridian Visa Infinite Travel Rewards card is underwritten by American Bankers (Assurant) under Group Policy MCUL102022 and administered by Assurant.
From within Canada & the US
1-800-316-7645
Toll-free · 24 hours a day, 7 days a week
From outside Canada & the US
613-634-6984
Call collect · 24 hours a day, 7 days a week
Benefit administrator: Assurant (American Bankers Insurance Company of Florida / American Bankers Life Assurance Company of Florida)
Claims & pre-authorizations
How to make a claim
1
Call Assurant before you incur major costs
For a medical emergency or any benefit requiring pre-authorization, call Assurant at 1-800-316-7645 (or 613-634-6984 collect from outside Canada/US) as soon as possible so treatment and transport can be approved.
2
Keep all documentation
Retain receipts, police or carrier reports, medical records, and proof that the trip or item was charged to your Meridian Visa Infinite Travel Rewards card.
3
Request and submit a claim form
Ask Assurant for the claim form for your benefit, complete it, and return it with your supporting documents within the time limit stated in the Certificate of Insurance.
4
Follow up with the administrator
Assurant assesses the claim against Group Policy MCUL102022 and arranges reimbursement or payment; respond promptly to any request for additional information.
FAQ
What people ask about the Meridian Visa Infinite Travel Rewards
- It provides Travel Emergency Medical coverage of up to $5,000,000 per insured person per trip. The number of days covered is age-tiered: 48 days for travellers age 59 and under, 23 days for ages 60–64, 15 days for ages 65–75, and no coverage for anyone age 76 or over on the departure date.
- Yes. Coverage duration shortens with age and there is no Travel Emergency Medical coverage for persons age 76 or over. Travellers 65–75 are limited to 15 days per trip, so older cardholders should buy a separate travel medical policy for longer trips.
- You must reserve and pay for the entire rental with your Meridian Visa Infinite Travel Rewards card and decline the rental agency's collision damage waiver (CDW) or loss damage waiver (LDW). Coverage applies to vehicles with an actual cash value up to $65,000 for rentals of up to 48 consecutive days, and covers the vehicle only — not third-party liability.
- Yes. Trip Cancellation is covered up to $2,000 per insured, Trip Interruption/Delay up to $2,000 plus $200/day (max $2,000) in living expenses, Delayed Baggage up to $500, and Lost/Damaged Baggage up to $500 per item and $1,000 per trip.
- The insurance is underwritten by American Bankers Insurance Company of Florida and American Bankers Life Assurance Company of Florida (Assurant) under Group Policy MCUL102022, and claims and emergency assistance are handled by Assurant at 1-800-316-7645.
- The annual fee is $99, waived for the first year. Additional cards are $30 each.
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