The Scene+ Visa Card includes no trip cancellation insurance; pre-paid, non-refundable travel costs are not reimbursed if you cancel.
What does the insurance on my Scotiabank Scene+ Visa Card actually cover?
Scotiabank·CA$0/year·Visa
0,1/5Independent review · verified July 2026
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Our Verdict · Travel Insurance
Our take on travel insurance for the Scotiabank Scene+ Visa Card
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
The Scene+ Visa Card includes no travel insurance — no emergency medical, trip cancellation/interruption, flight or baggage delay, travel accident or hotel 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 Scotiabank Scene+ Visa Card Travel Insurance actually cover?
This card carries no emergency medical or hospital coverage abroad; out-of-country medical expenses are not covered.
No emergency medical evacuation or repatriation coverage is provided by this card.
No trip interruption coverage; unused, non-refundable portions of an interrupted trip are not reimbursed.
No flight or travel delay coverage; meals and accommodation during a delay are not reimbursed.
No missed-connection coverage is provided by this card.
No early-return coverage; the cost of returning home early is not covered.
No baggage delay coverage; expenses for delayed checked baggage are not reimbursed.
No lost or stolen baggage coverage; replacing lost checked items is not covered.
No common carrier travel accident (AD&D) coverage is provided by this card.
No hotel/motel burglary coverage; items stolen from your accommodation are not covered.
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 Scotiabank Scene+ Visa Card wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Trip Cancel: not covered by this card
Medical: not covered by this card
Evacuation: not covered by this card
Compare
Scene+ Visa CardThis card0.1/5?
CA$0/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
CA$236 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the Scotiabank Scene+ Visa Card stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Scene+ Visa Card shoppers also consider.
| Card | This card Scene+ Visa Card Scotiabank · CA$0/yr 0.1/5? | Gold American Express Scotiabank · CA$120/yr 4.0/5? | Rewards World Elite Mastercard BMO · CA$150/yr 4.3/5? | World Elite Mastercard ATB Financial · CA$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.
Cardholder reviews
What cardholders say about the Scotiabank Scene+ Visa Card
User ratings from creditcardGenius (3.5/5 from 22 reviews) 22 reviews
AV
Avery
Easy no-fee card for earning points
Praised the simple application process, points-earning capability and no annual fee, and noted good in-branch support.
LY
Lynn
Good in its day, now overshadowed
Assessed the card as pretty good at its prime, but now overshadowed by other Scotiabank offerings.
SZ
Sajid Zareef
Good card, frustrating service
The card is good but completely useless because Scotiabank and staff have no clue of their product. After repeated issues with credit-limit increases and unresolved system errors, I switched to a TD Visa.
Emergency · Card assistance line
How to contact Scotiabank Scene+ Visa Card assistance?
The Scene+ Visa Card has no card-benefit insurance, so there is no travel or claims assistance line. The only insurance-related contact relates to the optional, paid Scotia Credit Card Protection (balance protection) product — not a free card benefit.
Scotia Credit Card Protection (optional, paid product)
1-855-753-4272
For the optional Scotia Credit Card Protection product only; claims must be reported within 90 days.
General card support (lost/stolen card, fraud)
1-888-882-8958
Benefit administrator: None — no card-benefit insurance
Claims & pre-authorizations
FAQ
What people ask about the Scotiabank Scene+ Visa Card
- No. The Scene+ Visa Card has no emergency medical or hospital coverage abroad. For out-of-country medical protection you would need a higher-tier Scotiabank card or a standalone travel-insurance policy.
- No. Pre-paid, non-refundable travel costs are not protected if you cancel or interrupt a trip.
- No. Damage or theft of a rental vehicle is not covered. The card only offers an Avis/Budget rental discount, which is a price discount and not insurance.
- No. A lost, stolen or damaged phone is not covered. (By contrast, the Scotiabank American Express Card does include mobile device insurance.)
- No. New purchases are not insured against theft or damage, and the manufacturer's warranty is not extended.
- It is a separate, optional, paid balance-protection product underwritten by Chubb Life Insurance Company of Canada. It can help cover your payments or pay off your balance on certain life events (such as disability, critical illness, job loss or death). It is not free card-benefit insurance — you must enrol and pay for it. Certificate or claims: 1-855-753-4272.
- Buy a standalone travel-insurance policy, charge eligible trips to a card that includes coverage, or upgrade to a Scotiabank card that carries insurance (for example the Passport Visa Infinite, Gold American Express, or Momentum Visa Infinite).
Not just Scotiabank
Other cards worth considering
Scene+ Visa Card 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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