How much emergency medical coverage does the Scotiabank Passport Visa Infinite include?

Up to $2,000,000 per insured person, in excess of your provincial health plan (GHIP) and any other coverage. It applies to the first 25 consecutive days of a trip if you are under 65, and only the first 3 consecutive days if you are 65 or older.

Is the rental car coverage primary or secondary?

It is primary. The collision/loss damage waiver (CDW) covers a rented vehicle up to its actual cash value for rentals of up to 48 consecutive days, paid without first going through your personal auto insurer. You must charge the rental to the card, decline the agency's CDW/LDW and rent in your own name.

Does the card cover travellers aged 65 and older?

Yes, but emergency medical is limited to the first 3 consecutive days of a trip from age 65, versus 25 days for those under 65. A pre-existing-condition exclusion also applies (180-day lookback under 75, 365-day at 75 or older).

Do I have to call before getting medical treatment?

Yes. You must contact the assistance administrator before treatment. If you do not, eligible non-surgical expenses are limited to 80% of the total up to $30,000, and surgery or invasive procedures may not be covered without prior approval.

What trip cancellation and interruption limits apply?

Trip cancellation is up to $1,500 per insured person ($10,000 per trip), and trip interruption is up to $2,500 per insured person ($10,000 per trip). Eligible expenses must be charged to the card or paid with Scene+ points, and pre-existing conditions are excluded.

What baggage and flight delay coverage is included?

Flight delay pays up to $500 per person when no alternative transport is available within 4 hours. Baggage delay (over 4 hours) and lost/stolen checked luggage are each up to $1,000 per trip, though the lost-luggage benefit excludes electronics, cameras, sporting equipment, money, documents and jewellery.

Is there mobile device or cell phone insurance?

No. The Passport Visa Infinite certificate does not include mobile device or cell phone insurance, price protection or return protection. Purchase security (90 days) and extended warranty (doubles the manufacturer's warranty, up to +1 year) are included, sharing a $60,000 lifetime maximum.

What must I charge to the card for the insurance to apply?

Most travel benefits require the eligible cost to be charged to the card or paid with Scene+ points — at least 75% of the ticket for flight delay and common-carrier accident, and the full fare or room cost for baggage and hotel burglary benefits. Purchase protections require the item to be charged in full to the card.

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

Scotiabank·CA$150/year·Visa Infinite·Manulife (The Manufacturers Life Insurance Company); FNAIC for non-medical benefits — Group Policy BNS749

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 29, 20268 min read

3,9/5Independent review · verified June 2026

Travel Insurance

4,0

Car Rental

4,2

Protection

2,8

Our Verdict · Travel Insurance

Our take on travel insurance for the Scotiabank Passport Visa Infinite

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

The Passport Visa Infinite is a genuine travel card: it bundles emergency medical, trip cancellation and interruption, flight and baggage delay, lost/stolen luggage, hotel burglary and common-carrier accident coverage. The headline $2,000,000 medical limit is strong, but the coverage window is short — 25 days per trip under 65 and only 3 days from age 65 — and a pre-existing-condition exclusion applies. Eligible expenses must be charged to the card or paid with Scene+ points.

What works on travel

$2,000,000 emergency medical limit, in excess of GHIP
Broad package: cancellation, interruption, flight & baggage delay, lost luggage, hotel burglary, common-carrier AD&D
No foreign transaction fee
24/7 worldwide assistance

Where travel breaks down

Medical limited to 25 days under 65 — just 3 days at 65+
Pre-existing conditions excluded (180-day / 365-day lookback)
Must call the administrator before treatment or benefits are capped
Modest $1,000 luggage limits with a broad exclusion list

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 Passport Visa Infinite Travel Insurance actually cover?

Notify the administrator within 48 hours of the covered cause.

Reimburses prepaid, non-refundable travel costs if you must cancel before departure for a covered reason (illness, injury, death and other listed events). Eligible expenses must be charged to the card or paid with Scene+ points.

What's covered

Up to $1,500 per insured person
Up to $10,000 per trip (all insured persons combined)
Limited to cancellation penalties in effect when the covered cause arises

What's not covered

Pre-existing medical conditions (180-day lookback under 75; 365-day at 75+)
Causes known before booking
Expenses not charged to the card or Scene+

Coverage is short for older travellers — only 3 days from age 65. Call the administrator before any treatment.

Emergency medical care while travelling outside your province of residence, up to $2,000,000 per insured person, in excess of GHIP and any other coverage. Includes accidental dental ($2,000), bedside visit ($100/day to $1,500), vehicle return ($1,000) and return of deceased ($5,000).

What's covered

Up to $2,000,000 per insured person
First 25 consecutive days of a trip if under 65
First 3 consecutive days if 65 or older
24-hour worldwide assistance

What's not covered

Pre-existing conditions (180-day lookback under 75; 365-day at 75+)
Treatment not pre-approved: non-surgical expenses capped at 80% up to $30,000, surgery may be denied
High-risk/professional sports, war, criminal acts, impairment by alcohol or drugs

Coordinate with the Manulife/Global Excel assistance centre before incurring costs.

Repatriation and related benefits within the emergency medical coverage: return of the deceased home (up to $5,000), return of your vehicle (up to $1,000) and after-accident assistance ($200/day up to 3 days).

What's covered

Return of deceased up to $5,000
Vehicle return up to $1,000
After-accident assistance $200/day for up to 3 days

What's not covered

Subject to the same age/duration limits and pre-existing exclusions as emergency medical
Must be arranged through the administrator

Covers both interruption and early return home for a covered reason.

Trip interruption: if a covered event cuts your trip short, reimburses the one-way economy fare to return (or the change fee, whichever is less) plus the unused non-refundable portion of eligible expenses.

What's covered

Up to $2,500 per insured person
Up to $10,000 per trip (all insured persons)
Return transport + unused non-refundable expenses

What's not covered

Pre-existing conditions excluded
Expenses not charged to the card or Scene+

Keep receipts — only expenses within the first 48 hours qualify.

Flight delay: when no alternative transport is available within 4 hours of scheduled departure due to a covered cause, reimburses hotel, meals, refreshments and essential items incurred within 48 hours.

What's covered

Up to $500 per insured person
Triggered by strike, weather, mechanical breakdown, denied boarding (overbooking), quarantine, natural disaster, hijack, civil commotion
At least 75% of ticket cost charged to card/Scene+

What's not covered

Delays under 4 hours
Expenses incurred beyond 48 hours
Tickets not charged to the card or Scene+

This card does not include a standalone missed-connection benefit; only flight delay (over 4 hours) is covered.

Not a separate benefit — shares the trip interruption limit.

Returning home early for a covered reason is handled under the trip interruption benefit (up to $2,500 per person / $10,000 per trip), which pays the one-way return fare plus unused non-refundable expenses.

What's covered

Covered within trip interruption
One-way economy return fare or change fee, whichever is less

What's not covered

Pre-existing conditions excluded
No separate limit beyond the trip interruption maximum

Buy essentials before the bag arrives — purchases after it is returned are not eligible.

Baggage delay: if your checked luggage is delayed more than 4 hours after arrival at your final destination, reimburses essential items purchased before the bags arrive.

What's covered

Up to $1,000 per trip (all insured persons)
Checked luggage delayed more than 4 hours
Essential items bought within 96 hours of arrival

What's not covered

Does not apply on return home to Canada
Delays under 4 hours
Full fare must be charged to card/Scene+

The exclusion list is broad — most valuables and electronics are not covered.

Lost or stolen checked luggage: covers theft or permanent misdirection of checked baggage by a common carrier, up to $1,000 per trip.

What's covered

Up to $1,000 per trip (all insured persons)
Theft or permanent loss of checked luggage by a common carrier

What's not covered

Cameras, electronics, sporting equipment, money, documents, jewellery in checked baggage
Items not in the carrier's custody
Full fare must be charged to card/Scene+

This is an accident (AD&D) benefit, not medical coverage.

Common carrier travel accident: accidental death and dismemberment while riding as a fare-paying passenger on a common carrier, when at least 75% of the ticket is charged to the card or Scene+.

What's covered

Up to $500,000 for cardmember/spouse (loss of life); $50,000 per dependent child
$1,000,000 maximum per occurrence
Lesser losses paid at $250,000; total permanent disability $500,000 after 365 days

What's not covered

Travel not on a common carrier
Less than 75% of fare charged to card/Scene+
War, criminal acts, self-inflicted injury

A police/hotel report and proof of forced entry are required.

Hotel/motel burglary: covers theft of personal property from your hotel or motel room when there is evidence of forced entry, between check-in and check-out.

What's covered

Up to $1,000 per occurrence (all insured persons)
Requires evidence of forced entry
In excess of other insurance and hotel reimbursement

What's not covered

Theft without forced entry
Property left unattended in public areas
Full room cost must be charged to card/Scene+

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?

Report an error Send updated PDF

Coverage Radar

Where the Scotiabank Passport Visa Infinite wins, where it loses

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

Compare

Passport Visa InfiniteThis card3.9/5?

$150/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 Passport Visa Infinite stacks up against the alternatives

Same 5 coverage dimensions, ranked head-to-head against the cards most Passport Visa Infinite shoppers also consider.

Card	This card Passport Visa Infinite Scotiabank · $150/yr 3.9/5?	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	$1,500 / person · $10,000 / trip	$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	$2,000,000 / person — 25 days (<65) / 3 days (65+)	$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	Return of deceased $5,000 · vehicle return $1,000	Included	Actual cost (pre-authorization required) Pre-authorization required	Included (within medical)
Trip delay trigger Hours before benefits kick in	$500 / person (delay > 4h)	$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	$2,500 / person · $10,000 / trip	$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.

International (call locally or collect)

416-977-1552

Collect calls accepted · 24/7

Emergency assistance (Canada & U.S.)

1-800-263-0997

Toll-free · 24/7

Benefit administrator: Active Care Management / Global Excel Management (manulife.ca/scotia)

Claims & pre-authorizations

How to make a claim

Call before you get treatment

For a medical emergency, contact the assistance centre at 1-800-263-0997 (Canada/U.S.) or 416-977-1552 (collect) BEFORE seeking treatment. Failing to call caps non-surgical expenses at 80% up to $30,000, and surgery may be denied without prior approval.

Notify within the deadline

For trip cancellation, notify the administrator within 48 hours of the covered cause. For theft or loss, report to police and/or the common carrier and obtain written reports.

Gather your documents

Keep all receipts, your card statement showing the charge (or Scene+ redemption), tickets, medical records, and any police or carrier reports.

Submit your claim

File your claim with the administrator (Active Care Management / Global Excel) at manulife.ca/scotia within the time limit stated in your certificate.

Up to $2,000,000 per insured person, in excess of your provincial health plan (GHIP) and any other coverage. It applies to the first 25 consecutive days of a trip if you are under 65, and only the first 3 consecutive days if you are 65 or older.
It is primary. The collision/loss damage waiver (CDW) covers a rented vehicle up to its actual cash value for rentals of up to 48 consecutive days, paid without first going through your personal auto insurer. You must charge the rental to the card, decline the agency's CDW/LDW and rent in your own name.
Yes, but emergency medical is limited to the first 3 consecutive days of a trip from age 65, versus 25 days for those under 65. A pre-existing-condition exclusion also applies (180-day lookback under 75, 365-day at 75 or older).
Yes. You must contact the assistance administrator before treatment. If you do not, eligible non-surgical expenses are limited to 80% of the total up to $30,000, and surgery or invasive procedures may not be covered without prior approval.
Trip cancellation is up to $1,500 per insured person ($10,000 per trip), and trip interruption is up to $2,500 per insured person ($10,000 per trip). Eligible expenses must be charged to the card or paid with Scene+ points, and pre-existing conditions are excluded.
Flight delay pays up to $500 per person when no alternative transport is available within 4 hours. Baggage delay (over 4 hours) and lost/stolen checked luggage are each up to $1,000 per trip, though the lost-luggage benefit excludes electronics, cameras, sporting equipment, money, documents and jewellery.
No. The Passport Visa Infinite certificate does not include mobile device or cell phone insurance, price protection or return protection. Purchase security (90 days) and extended warranty (doubles the manufacturer's warranty, up to +1 year) are included, sharing a $60,000 lifetime maximum.
Most travel benefits require the eligible cost to be charged to the card or paid with Scene+ points — at least 75% of the ticket for flight delay and common-carrier accident, and the full fare or room cost for baggage and hotel burglary benefits. Purchase protections require the item to be charged in full to the card.