Does the Scotiabank Scene+ Visa Card include travel medical insurance?

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.

Does it have trip cancellation or trip interruption insurance?

No. Pre-paid, non-refundable travel costs are not protected if you cancel or interrupt a trip.

Is there rental car (CDW/LDW) coverage with this card?

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.

Does the Scene+ Visa Card include mobile device insurance?

No. A lost, stolen or damaged phone is not covered. (By contrast, the Scotiabank American Express Card does include mobile device insurance.)

Does it offer purchase protection or extended warranty?

No. New purchases are not insured against theft or damage, and the manufacturer's warranty is not extended.

What is "Scotia Credit Card Protection"?

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.

I want travel or purchase coverage — what are my options with this card?

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).

What does the insurance on my Scotiabank Scene+ Visa Card actually cover?

Scotiabank·CA$0/year·Visa

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 25, 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 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?

Quality, not just caps

The Scene+ Visa Card includes no trip cancellation insurance; pre-paid, non-refundable travel costs are not reimbursed if you cancel.

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?

Report an error Send updated PDF

Coverage Radar

Where the Scotiabank Scene+ Visa Card wins, where it loses

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

Compare

Scene+ 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 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 · $0/yr 0.1/5?	Momentum Visa Infinite Scotiabank · $120/yr 3.5/5?	Rewards World Elite Mastercard BMO · $150/yr 4.3/5?	World Elite Mastercard National Bank · $150/yr 4.1/5?
Trip cancellation Per person, per trip cap	Not covered Cover this gap →	$1,500 / person ($10,000 / trip) 75% prepaid with card	$2,500 / person ($5,000 / account) $0 deductible	$2,500 / person Up to $2,500 / person
Emergency medical Hospital bills abroad	Not covered Cover this gap →	$1M / person (under 65, 15 days) Under 65 only	$2,000,000 (under 65, first 21 days) First 21 days only	$5,000,000 / person Up to $5,000,000 / trip
Emergency evacuation Air ambulance + repatriation	Not covered Cover this gap →	Included in medical Within $1M medical	Actual cost (pre-authorization required) Pre-authorization required	Actual cost Actual cost
Trip delay trigger Hours before benefits kick in	Not covered Cover this gap →	$500 / person (4h+) Trigger: 4 hours	$500 / account / trip (6h+ delay) Trigger: 6 hours	$500 / person Trigger: 4 hours
Rental CDW Primary or secondary	Not covered Cover this gap →	Primary, actual cash value Primary coverage	Up to $65,000 MSRP, primary Primary coverage	$65,000 / 48 days Up to $65,000 MSRP

StrongLimited / misleadingNot covered

Data verified against each card's Guide to Benefits, May 2026.

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

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).