Does the Momentum No-Fee Visa include travel insurance?

No. The Scotia Momentum No-Fee Visa includes no travel insurance of any kind: no emergency medical, no trip cancellation, no baggage or flight delay coverage. If you are travelling, you will need a standalone travel insurance policy. You can compare travel insurance quotes on HelloSafe in a couple of minutes.

Does this card cover rental car damage (CDW)?

No. There is no collision or loss damage waiver on this card. If you rent a car, either buy the rental company's waiver at the counter or arrange a separate rental policy, because declining coverage leaves you responsible for the full value of the vehicle.

Is there purchase protection or extended warranty?

No. Unlike many no-fee cards, the Momentum No-Fee Visa has neither purchase security nor extended warranty. Even Scotia's paid 49 dollar Momentum Visa adds these two benefits, but the no-fee version does not.

Does the Momentum No-Fee Visa have mobile device insurance?

No. Mobile device insurance is reserved for higher-tier Scotia cards such as the Momentum Visa Infinite+. This no-fee card does not cover a lost, stolen or damaged phone.

What insurance can I add to this card?

The only insurance tied to the card is Scotia Credit Card Protection, an optional paid balance-protection plan underwritten by Chubb Life Insurance Company of Canada. It pays your minimum payment or balance in events such as disability, job loss, critical illness or death. It is not a travel or purchase benefit.

Which Scotiabank card should I get if I want travel insurance?

Step up to a card that bundles coverage, such as the Scotia Momentum Visa Infinite+, the Passport Visa Infinite, or the Gold American Express. Each carries emergency medical, trip cancellation and other travel benefits this no-fee card lacks.

Do I need travel insurance if I only carry this card?

Yes, if you leave your province. Provincial health plans cover very little outside Canada, and this card adds nothing. A standalone travel medical policy is the safe choice. Compare options on HelloSafe before you go.

Is the foreign transaction fee waived on this card?

No. The Momentum No-Fee Visa charges the standard 2.5% foreign currency conversion fee on purchases made in a currency other than Canadian dollars. There is no FX-free benefit on this card.

Scotia Momentum No-Fee Visa benefits: what insurance is actually covered?

Scotiabank·CA$0/year·Visa·None (no card-benefit insurance)

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

0,1/5Independent review · verified June 2026

Travel Insurance

0,0

Car Rental

0,0

Protection

0,0

Our Verdict · Travel Insurance

Our take on travel insurance for the Scotiabank Momentum No-Fee Visa Card

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

There is no travel insurance on the Momentum No-Fee Visa. No emergency medical, no trip cancellation, no baggage or delay coverage. If you travel, you need a standalone travel insurance policy, which you can compare on HelloSafe in a couple of minutes.

What works on travel

Costs nothing to hold (no annual fee).

Where travel breaks down

No emergency medical coverage abroad.
No trip cancellation or interruption.
No baggage or travel delay benefit.

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 Scotiabank Momentum No-Fee Visa Card Travel Insurance actually cover?

The Momentum No-Fee Visa does not include trip cancellation insurance. Prepaid, non-refundable trip costs are not reimbursed if you have to cancel before departure.

There is no emergency medical insurance on this card. Hospital and medical bills incurred outside your home province are not covered.

Repatriation and medical evacuation are not covered. The card provides no emergency transport home.

Trip interruption is not covered. Extra costs from cutting a trip short are not reimbursed.

Travel and flight delay benefits are not included. Meals or accommodation during a delay are not reimbursed.

Missed connection coverage is not provided. Costs from a missed onward connection are not reimbursed.

Early return coverage is not included. The card does not pay for an unplanned early trip home.

Delayed baggage coverage is not provided. Essentials bought while your bags are delayed are not reimbursed.

Lost or stolen baggage is not covered. The card pays nothing toward luggage or contents lost in transit.

Common carrier travel accident coverage is not included. There is no accidental death or dismemberment benefit while travelling.

Hotel or motel burglary coverage is not provided. Items stolen from your room are not reimbursed.

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 Scotiabank Momentum No-Fee Visa Card wins, where it loses

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

Compare

Momentum No-Fee Visa CardThis card0.1/5?

$0/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

$150 avg. annual fee

Click a layer to highlight its scores on the radar.

Side-by-side comparison

How the Scotiabank Momentum No-Fee Visa Card stacks up against the alternatives

Same 5 coverage dimensions, ranked head-to-head against the cards most Momentum No-Fee Visa Card shoppers also consider.

Card	This card Momentum No-Fee Visa Card Scotiabank · $0/yr 0.1/5?	Gold American Express Scotiabank · $120/yr 4.0/5?	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 →	$1,500 / person (max $10,000 / trip)	$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 →	$1,000,000 / person	$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 →	Included	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 (up to 48 h)	$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 →	$1,500 / person (max $10,000 / trip)	$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.

Scotiabank customer service

1-888-882-8958

Free · 24/7

Optional Scotia Credit Card Protection (paid)

1-855-753-4272

Optional paid product · Business hours

Benefit administrator: None (no card-benefit insurance)

Claims & pre-authorizations

How to get travel protection for your trip

Check what the card covers

Before you book, remember the Momentum No-Fee Visa has no travel, medical, baggage or rental coverage. Nothing on this card will pay out for a trip problem, so plan to arrange protection separately.

Compare a standalone travel policy

Use the HelloSafe travel insurance comparator to line up emergency medical, trip cancellation and baggage cover from several insurers in a couple of minutes. Match the plan to your destination, trip length and your age.

Buy coverage before you leave

Purchase your policy before departure, because most travel medical plans will not cover you once a trip has already started. Keep the policy number and the 24/7 assistance line with you while you travel.

Keep the card for everyday spend

Use the Momentum No-Fee Visa for its cash back and Visa Zero Liability fraud protection at home. For balance protection on the card itself, the optional paid Scotia Credit Card Protection is available from Scotiabank at 1-855-753-4272.

No. The Scotia Momentum No-Fee Visa includes no travel insurance of any kind: no emergency medical, no trip cancellation, no baggage or flight delay coverage. If you are travelling, you will need a standalone travel insurance policy. You can compare travel insurance quotes on HelloSafe in a couple of minutes.
No. There is no collision or loss damage waiver on this card. If you rent a car, either buy the rental company's waiver at the counter or arrange a separate rental policy, because declining coverage leaves you responsible for the full value of the vehicle.
No. Unlike many no-fee cards, the Momentum No-Fee Visa has neither purchase security nor extended warranty. Even Scotia's paid 49 dollar Momentum Visa adds these two benefits, but the no-fee version does not.
No. Mobile device insurance is reserved for higher-tier Scotia cards such as the Momentum Visa Infinite+. This no-fee card does not cover a lost, stolen or damaged phone.
The only insurance tied to the card is Scotia Credit Card Protection, an optional paid balance-protection plan underwritten by Chubb Life Insurance Company of Canada. It pays your minimum payment or balance in events such as disability, job loss, critical illness or death. It is not a travel or purchase benefit.
Step up to a card that bundles coverage, such as the Scotia Momentum Visa Infinite+, the Passport Visa Infinite, or the Gold American Express. Each carries emergency medical, trip cancellation and other travel benefits this no-fee card lacks.
Yes, if you leave your province. Provincial health plans cover very little outside Canada, and this card adds nothing. A standalone travel medical policy is the safe choice. Compare options on HelloSafe before you go.
No. The Momentum No-Fee Visa charges the standard 2.5% foreign currency conversion fee on purchases made in a currency other than Canadian dollars. There is no FX-free benefit on this card.