Does the Simplii Cash Back Visa include travel insurance?

No. The Simplii Cash Back Visa carries no travel insurance of any kind. There is no emergency medical, no trip cancellation or interruption, no flight or baggage delay, and no lost luggage coverage. Your provincial health plan pays almost nothing for care outside Canada, so if you travel you need a separate travel medical policy. This is a spending and cash back product, not a travel benefit card.

Does the Simplii Cash Back Visa cover emergency medical abroad?

No. There is zero emergency medical coverage on this card. A provincial plan like OHIP or RAMQ covers a tiny fraction of an out of country bill, and a single hospital stay in the United States can run tens of thousands of dollars. Standalone travel medical insurance starts around $100,000 per person and costs only a few dollars a day. Buy it before any trip outside Canada.

What insurance does the Simplii Cash Back Visa actually offer?

Two things, both purchase related. Purchase Security covers eligible items charged to the card against theft, loss, or accidental damage for 90 days. Extended Protection doubles the manufacturer's warranty by up to one additional year. Both share a single $60,000 lifetime cap per cardholder and are underwritten by Belair Insurance Company Inc. under Master Policy PSI033759392.

Does the Simplii Cash Back Visa have rental car insurance?

No. There is no collision damage waiver on this card, primary or secondary. If you decline the rental agency's coverage you are personally liable for damage to the vehicle. There is also no rental liability, roadside assistance, or personal effects coverage. Plan to buy the agency waiver or carry a separate rental policy.

How does purchase protection work on the Simplii Cash Back Visa?

Charge the item in full to the card. If it is stolen, lost, or accidentally damaged within 90 days of purchase, you can file a claim with Belair, the underwriter. Keep the receipt and the card statement showing the charge. The benefit pays up to a $60,000 lifetime cap shared with Extended Protection. Items lost through negligence, motorized vehicles, and cash are excluded.

Does the Simplii Cash Back Visa cover my cell phone?

No. There is no mobile device or cell phone insurance on this card. A cracked screen, theft, or loss of your phone is not covered. If mobile coverage matters to you, you would need a card that offers it or a separate device protection plan.

Is there an annual fee for the Simplii Cash Back Visa?

No. The card has a $0 annual fee. Note the foreign transaction fee is the standard 2.5% on purchases made in a currency other than Canadian dollars, which adds up quickly on trips abroad. The card has no travel insurance, so the lack of a fee does not buy you any trip protection.

Do I need separate travel insurance if I carry the Simplii Cash Back Visa?

Yes, for any trip outside your province. Because the card has no travel medical, cancellation, or baggage coverage, you are fully exposed without a standalone policy. Compare travel insurance plans before you book, especially for medical coverage abroad, where the gap between this card (nothing) and a real policy (often $100,000 or more per person) is the difference that matters.

Simplii Cash Back Visa insurance: what does the card actually cover?

Simplii Financial·CA$0/year·Visa·Belair Insurance Company Inc. (Intact Financial)

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

0,4/5Independent review · verified June 2026

Travel Insurance

0,0

Car Rental

0,0

Protection

2,3

Our Verdict · Travel Insurance

Our take on travel insurance for the Simplii Financial Cash Back Visa

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

Here is the short version: the Simplii Cash Back Visa carries no travel insurance at all. No emergency medical. None. No trip cancellation, no flight or baggage delay, no lost luggage. Your provincial plan (RAMQ, OHIP and the rest) pays close to zero for care outside Canada, so a hospital stay abroad lands entirely on you. A single emergency room visit in the United States can pass $25,000, and a medical evacuation from a remote area can run past $100,000. Standalone travel medical coverage starts around $100,000 per person and costs a few dollars a day. If you travel even once a year, treat this card as a way to pay, then buy travel insurance separately.

What works on travel

$0 annual fee, so carrying it costs nothing while you insure trips elsewhere

Where travel breaks down

No emergency medical abroad, where a provincial plan pays almost nothing
No trip cancellation or interruption, so prepaid bookings are at risk
No flight or baggage delay, and no lost luggage indemnity

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 Simplii Financial Cash Back Visa Travel Insurance actually cover?

This card carries no trip cancellation or interruption coverage. If illness or an emergency forces you to cancel, nothing prepaid is refunded through the card.

There is no emergency medical coverage abroad on this card. A provincial plan pays almost nothing outside Canada, so an out of country hospital bill is yours in full.

No emergency evacuation or repatriation benefit applies. A medical airlift from a remote area can run past $100,000, none of it covered here.

Trip interruption is not covered. Extra nights and a new fare home after a disruption come out of your own pocket.

No flight or transport delay benefit applies. Meals and a hotel during a long delay are not reimbursed by the card.

Missed connection coverage is not included. A re-booked onward flight after a missed link is not paid by the card.

There is no early return benefit. The cost of cutting a trip short for an emergency is not covered.

Baggage delay coverage is not included. Replacement essentials while you wait for a delayed bag are not reimbursed.

There is no lost or stolen baggage indemnity. The card does not pay for luggage the airline loses.

No travel accident or personal liability benefit applies while you are travelling.

Hotel burglary coverage is not included. Items stolen from your room abroad are not covered by the card.

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 Simplii Financial Cash Back Visa wins, where it loses

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

Compare

Cash Back VisaThis card0.4/5?

$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 Simplii Financial Cash Back Visa stacks up against the alternatives

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

Card	This card Cash Back Visa Simplii Financial · $0/yr 0.4/5?	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 →	$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 →	$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 →	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 / account / trip (6h+ delay) Trigger: 6 hours	$500 / trip ($250/day, up to 2 days)
Trip interruption Covered amount	Not covered Cover this gap →	$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 Simplii Financial Cash Back Visa

Sentiment from Canadian credit-card review sites on coverage and protections 34 reviews

creditcardGenius

2025

Useful purchase coverage for a free card

For a no-fee card the $60,000 lifetime purchase security plus an extended warranty is genuinely above average. Just treat it as a no-fee spending card — there is nothing here for travel or rentals.

r/PersonalFinanceCanada

March 2025

No travel medical — do not rely on it abroad

People assume any Visa comes with some travel coverage. This one has zero emergency medical, zero trip cancellation, zero baggage. I found out before a US trip and bought a standalone policy. Use it to earn cash back at home, not to insure a trip.

Money We Have

2024

No rental waiver or phone insurance

Decline the rental counter's CDW with this card and you are fully on the hook — there is no collision coverage at all, and no mobile device insurance either. Fine as a cash-back card, but thin on protection beyond purchases.

Purchase and warranty claims

1-866-363-3338

Belair Insurance, business hours

Travel assistance

1-888-723-8881

No travel assistance line: this card has no travel coverage. Number shown is Simplii card service.

Benefit administrator: Belair Insurance Company Inc. (Intact Financial), Master Policy PSI033759392

Claims & pre-authorizations

How to file a Purchase Security or Extended Protection claim

Call Belair to open a claim

Contact Belair Insurance Company Inc. at 1-866-363-3338 as soon as you discover the loss, theft, or damage. Quote Master Policy PSI033759392 and your Simplii Cash Back Visa.

Gather your proof of purchase

Pull the original receipt and the card statement showing the item was charged in full to the card. Both are required before the claim moves forward.

Document the loss

For theft, file a police report. For damage, take photos. For a warranty claim, keep the manufacturer's warranty showing the original term.

Submit within the deadline

File a Purchase Security claim within 90 days of the purchase date. Send everything the administrator asks for, then expect some back and forth by email before any reimbursement.

No. The Simplii Cash Back Visa carries no travel insurance of any kind. There is no emergency medical, no trip cancellation or interruption, no flight or baggage delay, and no lost luggage coverage. Your provincial health plan pays almost nothing for care outside Canada, so if you travel you need a separate travel medical policy. This is a spending and cash back product, not a travel benefit card.
No. There is zero emergency medical coverage on this card. A provincial plan like OHIP or RAMQ covers a tiny fraction of an out of country bill, and a single hospital stay in the United States can run tens of thousands of dollars. Standalone travel medical insurance starts around $100,000 per person and costs only a few dollars a day. Buy it before any trip outside Canada.
Two things, both purchase related. Purchase Security covers eligible items charged to the card against theft, loss, or accidental damage for 90 days. Extended Protection doubles the manufacturer's warranty by up to one additional year. Both share a single $60,000 lifetime cap per cardholder and are underwritten by Belair Insurance Company Inc. under Master Policy PSI033759392.
No. There is no collision damage waiver on this card, primary or secondary. If you decline the rental agency's coverage you are personally liable for damage to the vehicle. There is also no rental liability, roadside assistance, or personal effects coverage. Plan to buy the agency waiver or carry a separate rental policy.
Charge the item in full to the card. If it is stolen, lost, or accidentally damaged within 90 days of purchase, you can file a claim with Belair, the underwriter. Keep the receipt and the card statement showing the charge. The benefit pays up to a $60,000 lifetime cap shared with Extended Protection. Items lost through negligence, motorized vehicles, and cash are excluded.
No. There is no mobile device or cell phone insurance on this card. A cracked screen, theft, or loss of your phone is not covered. If mobile coverage matters to you, you would need a card that offers it or a separate device protection plan.
No. The card has a $0 annual fee. Note the foreign transaction fee is the standard 2.5% on purchases made in a currency other than Canadian dollars, which adds up quickly on trips abroad. The card has no travel insurance, so the lack of a fee does not buy you any trip protection.
Yes, for any trip outside your province. Because the card has no travel medical, cancellation, or baggage coverage, you are fully exposed without a standalone policy. Compare travel insurance plans before you book, especially for medical coverage abroad, where the gap between this card (nothing) and a real policy (often $100,000 or more per person) is the difference that matters.