What does the insurance on my Momentum Visa Infinite Scotiabank card actually cover?

Trip cancellation pays up to $1,500 per insured person, capped at $10,000 per trip for everyone combined. It works worldwide, even for travel inside your own province. To qualify, at least 75% of the trip has to be charged to the Scotia Momentum Visa Infinite, and you have to contact the insurer within 48 hours of whatever forces the cancellation. Pre-existing conditions are excluded.

Emergency medical pays up to $1,000,000 per person for sudden, unexpected medical emergencies abroad. Two hard limits shape it. Coverage applies only to cardholders and spouses under 65, and only for the first 15 consecutive days of any trip. It pays in excess of your provincial health plan, so you front the hospital bill and claim it back afterward. Call the administrator before treatment or part of the bill can fall on you.

Getting you home is folded into the emergency medical benefit, not sold as a separate line. The certificate covers repatriation and emergency transport, drawn from the same $1,000,000 medical pool. It runs on the same rails as the medical coverage, which means under 65 only, first 15 days, and reimbursement after the fact. You must call the administrator before arranging any transport.

Trip interruption pays up to $2,000 per person, capped at $10,000 per trip combined, when a covered event cuts your trip short or forces a late return. It reimburses the unused, non-refundable part of your trip, or the change fee and a one-way economy fare home, whichever costs less. The same 75% prepayment rule applies. Pre-existing conditions are excluded.

Flight delay covers up to $500 per insured person when your flight runs more than 4 hours late. The 4-hour trigger is generous by Canadian standards, where many cards start at 6. It pays meals, accommodation and toiletries during a delay of up to 48 hours. At least 75% of the delayed ticket has to be on the card. Dependent children are covered only when travelling with you.

No missed connection benefit. The certificate handles late departures under flight delay, not a separate missed-connection line. Costs to rebook a connection you miss are the cardholder's responsibility.

No standalone early return benefit. A covered early return home is handled inside trip interruption, not as its own coverage. There is no separate pool for emergency homeward travel beyond the interruption cap.

Baggage delay reimburses essential purchases up to $500 when your checked bag is more than 4 hours late at your final destination. The window runs up to 96 hours after you land. Here is the catch: that $500 is the combined limit for everyone insured on the trip, not per person. The ticket has to be paid with the card.

Lost luggage pays up to $500 combined to replace checked items that are lost or stolen. Two limits gut it. The $500 is shared across everyone insured on the trip, and electronics are flatly excluded. Your phone, laptop or tablet in a lost checked bag is not covered here. Money, tickets and documents are out too.

Common carrier travel accident pays up to $500,000 per person, to a maximum of $1,000,000 for any single event, for death or serious injury on a plane, train, bus or boat. It is accidental death and dismemberment coverage, so it pays a set amount for loss of life, a limb, sight, speech or hearing. At least 75% of the ticket has to be on the card. Most travellers never claim it.

No hotel theft coverage. The certificate has no benefit for belongings stolen from a hotel or motel room. Theft of valuables from your accommodation is the cardholder's responsibility.