The Syncro Mastercard includes no trip cancellation insurance; non-refundable costs if you cancel before departure are not reimbursed.
What does the insurance on my National Bank Syncro Mastercard card actually cover?
National Bank·CA$35/year·Mastercard·National Bank Life Insurance Company (Canassurance in Alberta)
Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 30, 20268 min read
0,4/5Independent review · verified June 2026
0,0
0,0
2,3
Our Verdict · Travel Insurance
Our take on travel insurance for the National Bank Syncro Mastercard
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
The Syncro Mastercard carries no travel insurance of any kind — no emergency medical care abroad, no trip cancellation or interruption, no flight or baggage delay, no lost-baggage indemnity, and no travel accident coverage. If you plan to travel, you will need a separate travel insurance policy; this low-interest card is built for everyday borrowing, not for trips.
What works on travel
- None — this card includes no travel coverage
Where travel breaks down
- No emergency medical or hospital coverage abroad
- No trip cancellation or interruption insurance
- No flight, trip or baggage delay coverage
- No lost or stolen baggage indemnity
- No travel accident / common-carrier 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 National Bank Syncro Mastercard Travel Insurance actually cover?
There is no emergency medical or hospital coverage abroad on this card; out-of-country medical bills are not covered.
No emergency repatriation or medical evacuation is covered by this card.
Trip interruption costs after departure are not covered by this card.
Flight or trip delay expenses are not covered by this card.
Missed connections are not covered by this card.
Early-return travel costs 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 travel accident or personal liability 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?
Coverage Radar
Where the National Bank Syncro Mastercard wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Compare
Syncro MastercardThis card0.4/5?
$35/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 National Bank Syncro Mastercard stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Syncro Mastercard shoppers also consider.
| Card | This card Syncro Mastercard National Bank · $35/yr 0.4/5? | World Elite Mastercard National Bank · $150/yr 4.1/5? | 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 | Not covered Cover this gap → | $2,500 / person Up to $2,500 / person | $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 → | $5,000,000 / person Up to $5,000,000 / 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 | Not covered Cover this gap → | Actual cost Actual cost | 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 / person Trigger: 4 hours | $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 → | $5,000 / person Up to $5,000 / person | $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 National Bank Syncro Mastercard
Based on InsurEye Canadian cardholder reviews (1.0/5 from 2 reviews) 2 reviews
JC
JR Chartrand
Disappointed in their service
Horrible overall experience. I am so disappointed in the way they handle themselves. They are so rude.
TC
Towanda C.
Awful phone service
Awful service when calling.
Emergency · Card assistance line
How to contact National Bank Syncro Mastercard assistance?
In Canada and the US
1-888-235-2645
24/7
Elsewhere in the world (collect)
+1 514-286-8345
Collect calls accepted
Benefit administrator: CanAssistance Inc. — insurer National Bank Life Insurance Company (Canassurance Insurance Company in Alberta), group insurance policy 713705-1
Claims & pre-authorizations
How to make a purchase protection or extended warranty claim
1
Contact CanAssistance right away
As soon as a covered theft, breakage or warranty event occurs, call the assistance provider at 1-888-235-2645 (Canada/US) or +1 514-286-8345 collect to open a claim file in your name.
2
Gather your proof of purchase
Keep your credit card statement showing the item was charged to the Syncro Mastercard, the original receipt, and the manufacturer's warranty — these are required to process purchase protection and extended warranty claims.
3
Complete and return the claim forms
Fill out and sign the forms sent by CanAssistance, attach the supporting documents, and return them to CanAssistance Inc. ideally within 90 days of the event.
4
Receive the decision
Once your complete file is received, the insurer reviews it and, if approved, pays the benefit within 60 days. Expenses must be approved in advance.
FAQ
What people ask about the National Bank Syncro Mastercard
- No. The Syncro Mastercard includes no travel insurance — there is no emergency medical coverage abroad, no trip cancellation or interruption, no flight or baggage delay, no lost-baggage indemnity, and no travel accident coverage. If you travel, you should buy a separate travel insurance policy.
- Only two protections: purchase protection (covers most new items against theft or breakage for 90 days) and extended warranty (doubles the manufacturer's warranty by up to one additional year). Together they are capped at $60,000 for the entire life of the account.
- No. There is no rental car collision/loss damage waiver (CDW), liability, roadside assistance, or personal-effects coverage. Do not decline the rental agency's CDW expecting coverage from this card — you have none.
- No. The card has no mobile device or cell phone insurance. Electronics — including phones — are also specifically excluded from purchase protection.
- It reimburses theft or accidental breakage of most new items charged to the card within 90 days of purchase, in Canada or abroad. Electronics and software, jewellery theft, automotive items, appliances, perishables and mail-order purchases are excluded, and the maximum is $60,000 for the life of the account.
- Extended warranty doubles the manufacturer's original warranty by up to one additional year, as long as that warranty is valid in Canada and the item was charged to the card. It shares the same $60,000 account-lifetime cap with purchase protection.
- The annual fee is $35 for the primary cardholder ($0 for additional cards). The protection benefits are underwritten by National Bank Life Insurance Company (Canassurance Insurance Company in Alberta) under group insurance policy 713705-1.
- Contact CanAssistance Inc. as soon as the event occurs at 1-888-235-2645 (Canada/US) or +1 514-286-8345 collect. Complete the claim forms, attach your receipt, card statement and manufacturer's warranty, and return them ideally within 90 days. Approved benefits are paid within 60 days of a complete file.
Not just National Bank
Other cards worth considering
Syncro Mastercard 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
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