Does the Tangerine Money-Back Mastercard include travel insurance?

No. The Tangerine Money-Back Mastercard has no travel insurance whatsoever. There is no emergency medical, no trip cancellation or interruption, no flight or baggage delay, and no travel accident coverage. Its only insurance benefits are Purchase Assurance and Extended Warranty, both of which apply to things you buy, not to trips. If you are travelling, especially outside Canada where your provincial plan pays almost nothing, you need a separate travel medical policy. Do not rely on this card for any part of a trip.

Does the Tangerine Money-Back Mastercard have rental car insurance?

No. There is no rental car collision or loss damage coverage on this card. If you decline the rental counter's waiver expecting the card to cover damage, you will be paying out of pocket. This is one of the main differences from the Money-Back World Mastercard, which does include primary rental coverage. With the standard Money-Back Mastercard, either take the rental agency's collision damage waiver or use a different card or policy that actually covers the rental.

What insurance does the Tangerine Money-Back Mastercard actually include?

Two benefits, both for purchases. Purchase Assurance covers new items charged to the card against loss, theft, or damage for 90 days. Extended Warranty doubles the original manufacturer's warranty, up to one extra year. They share a combined $60,000 lifetime maximum, and both are excess coverage, meaning your home or other insurance pays first. There is no mobile device insurance, no rental car coverage, and no travel insurance. It is a deliberately minimal package on a no-fee card.

How does purchase protection work on the Tangerine Money-Back Mastercard?

Purchase Assurance automatically protects new items charged in full to the card against loss, theft, or damage for 90 days from the date of purchase. It pays the repair or replacement cost up to the item's original price, and gifts you buy are covered too. It is excess coverage, so you must claim on any homeowner's or other insurance first. Common exclusions include mysterious disappearance, motor vehicles, cash, tickets, and items used for business. The benefit shares a $60,000 lifetime cap with Extended Warranty.

Does the Tangerine Money-Back Mastercard extend warranties?

Yes. Extended Warranty doubles the original manufacturer's warranty, up to one additional year, on eligible items charged to the card. For items with a manufacturer's warranty of five years or more, you must register them with the insurer within one year of purchase or the coverage does not apply. It covers parts and labour for mechanical failure. The $60,000 lifetime cap is shared with Purchase Assurance, and motor vehicles, used items, and business purchases are excluded.

Does the Tangerine Money-Back Mastercard have mobile device insurance?

No. Mobile device insurance is not part of the standard Money-Back Mastercard. If your phone is lost, stolen, or broken, this card pays nothing. Mobile device coverage of up to $1,000 is a benefit of the Money-Back World Mastercard, the upgraded version of this card, not the standard one. If cell phone protection matters to you, you would need the World tier or a separate device insurance plan.

How do I file a claim on the Tangerine Money-Back Mastercard?

Claims go through Assurant, the insurer behind the card's coverage. Notify them before you repair or replace anything, online at cardbenefits.assurant.com or by calling 1-855-255-6050 between 8 am and 8 pm ET on weekdays. Keep the original receipt, the card statement showing the full charge, photos of the damaged item, and the manufacturer's warranty for warranty claims. Proof of loss is due within 90 days of the loss. Expect some back and forth by email before the payment clears.

Is there an annual fee for the Tangerine Money-Back Mastercard?

No. The Tangerine Money-Back Mastercard has no annual fee. That frames the insurance fairly: there is no premium to justify, so the two purchase protections are genuine extras rather than something you pay for. The trade-off is that almost everything else is missing. No travel, no rental, no mobile device coverage. For free shopping protection it is fine, but it is not a card to lean on for trips or rentals.

Tangerine Money-Back Mastercard insurance: is there any real coverage?

Tangerine·CA$0/year·Mastercard·American Bankers Insurance Company of Florida (Assurant)

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 25, 20268 min read

0,2/5Independent review · verified June 2026

Travel Insurance

0,0

Car Rental

0,0

Protection

1,9

Our Verdict · Travel Insurance

Our take on travel insurance for the Tangerine Money-Back Mastercard

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

There is no travel insurance on the Tangerine Money-Back Mastercard. Not a dollar. No emergency medical, no trip cancellation, no interruption, no flight or baggage delay. Your provincial plan (RAMQ, OHIP) pays next to nothing once you leave Canada, so a hospital stay abroad lands entirely on you. Standalone travel medical insurance for an international trip starts around $100,000 per person, and it costs less than a single night in a foreign ER. If you are booking a trip, this card does nothing for you. Buy a separate policy and do not think twice about it.

What works on travel

No annual fee, so there is no travel premium to weigh against the missing coverage
Simple by design: there is no travel insurance to misread or over-rely on

Where travel breaks down

No emergency medical abroad: a foreign hospital bill is entirely yours
No trip cancellation or interruption: prepaid flights and hotels are not refunded
No flight or baggage delay coverage of any kind
No travel accident or hotel theft protection

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 Tangerine Money-Back Mastercard Travel Insurance actually cover?

Quality, not just caps

This card includes no trip cancellation coverage. If illness, a death in the family, or a job loss forces you to cancel before departure, none of your prepaid flights, hotels, or tours are reimbursed. You would need a standalone travel policy for that.

There is no emergency medical coverage on this card. A hospital visit outside Canada is billed entirely to you, and your provincial plan (RAMQ, OHIP) pays almost nothing abroad. Standalone travel medical insurance is the only way to close this gap.

No emergency medical evacuation is covered. If you need an air ambulance or a medically supervised flight home, the full cost, often $50,000 or more, is yours. That is a travel medical insurance feature, not a card benefit here.

Trip interruption is not covered. If you have to cut a trip short for a covered emergency, the card does not reimburse the unused portion or the cost of getting home early.

There is no trip or flight delay benefit. A long tarmac wait or an overnight cancellation leaves your meals and hotel out of pocket.

Missed connection coverage is not included. A blown layover that forces a new ticket or an unplanned hotel night is not reimbursed.

Early return home is not covered. The card does not pay for a last-minute one-way fare if an emergency at home cuts your trip short.

Baggage delay is not covered. If your checked bag is late and you need toiletries or a change of clothes, those purchases are on you.

Lost or stolen baggage is not covered. The card does not reimburse luggage or its contents if the airline loses it or it is stolen during the trip.

There is no travel accident (accidental death and dismemberment) coverage. The card pays nothing for an injury or death while travelling on a common carrier.

Hotel theft is not covered. Items stolen from your hotel room during a trip are not reimbursed by this 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 Tangerine Money-Back Mastercard wins, where it loses

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

Compare

Money-Back MastercardThis card0.2/5?

$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 Tangerine Money-Back Mastercard stacks up against the alternatives

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

Card	This card Money-Back Mastercard Tangerine · $0/yr 0.2/5?	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 →	$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 →	$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 →	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 / account / trip (6h+ delay) Trigger: 6 hours	$500 / person Trigger: 4 hours
Rental CDW Primary or secondary	Not covered Cover this gap →	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.

Canada claims and questions

1-855-255-6050

8:00 am to 8:00 pm ET, Monday to Friday

Online claims

cardbenefits.assurant.com

24/7 online

Benefit administrator: Assurant (American Bankers Insurance Company of Florida) for Purchase Assurance and Extended Warranty

Claims & pre-authorizations

How to file a Tangerine Money-Back Mastercard claim

Call before you repair or replace anything

Notify the insurer first, online at cardbenefits.assurant.com or at 1-855-255-6050. Approval is required before you proceed with any repair or replacement.

Report theft to the police

For a Purchase Assurance theft claim, file a police report and keep a copy. Theft from a vehicle is only covered if the vehicle was locked with visible signs of forced entry.

Gather your documents

Keep the original sales receipt, the card statement showing the full charge, photos of the damaged item, and for warranty claims a copy of the original manufacturer's warranty.

Submit the claim and follow up

File the completed claim form at cardbenefits.assurant.com. Proof of loss is due within 90 days of the loss, and no later than one year. Expect some back and forth by email before payment clears.

No. The Tangerine Money-Back Mastercard has no travel insurance whatsoever. There is no emergency medical, no trip cancellation or interruption, no flight or baggage delay, and no travel accident coverage. Its only insurance benefits are Purchase Assurance and Extended Warranty, both of which apply to things you buy, not to trips. If you are travelling, especially outside Canada where your provincial plan pays almost nothing, you need a separate travel medical policy. Do not rely on this card for any part of a trip.
No. There is no rental car collision or loss damage coverage on this card. If you decline the rental counter's waiver expecting the card to cover damage, you will be paying out of pocket. This is one of the main differences from the Money-Back World Mastercard, which does include primary rental coverage. With the standard Money-Back Mastercard, either take the rental agency's collision damage waiver or use a different card or policy that actually covers the rental.
Two benefits, both for purchases. Purchase Assurance covers new items charged to the card against loss, theft, or damage for 90 days. Extended Warranty doubles the original manufacturer's warranty, up to one extra year. They share a combined $60,000 lifetime maximum, and both are excess coverage, meaning your home or other insurance pays first. There is no mobile device insurance, no rental car coverage, and no travel insurance. It is a deliberately minimal package on a no-fee card.
Purchase Assurance automatically protects new items charged in full to the card against loss, theft, or damage for 90 days from the date of purchase. It pays the repair or replacement cost up to the item's original price, and gifts you buy are covered too. It is excess coverage, so you must claim on any homeowner's or other insurance first. Common exclusions include mysterious disappearance, motor vehicles, cash, tickets, and items used for business. The benefit shares a $60,000 lifetime cap with Extended Warranty.
Yes. Extended Warranty doubles the original manufacturer's warranty, up to one additional year, on eligible items charged to the card. For items with a manufacturer's warranty of five years or more, you must register them with the insurer within one year of purchase or the coverage does not apply. It covers parts and labour for mechanical failure. The $60,000 lifetime cap is shared with Purchase Assurance, and motor vehicles, used items, and business purchases are excluded.
No. Mobile device insurance is not part of the standard Money-Back Mastercard. If your phone is lost, stolen, or broken, this card pays nothing. Mobile device coverage of up to $1,000 is a benefit of the Money-Back World Mastercard, the upgraded version of this card, not the standard one. If cell phone protection matters to you, you would need the World tier or a separate device insurance plan.
Claims go through Assurant, the insurer behind the card's coverage. Notify them before you repair or replace anything, online at cardbenefits.assurant.com or by calling 1-855-255-6050 between 8 am and 8 pm ET on weekdays. Keep the original receipt, the card statement showing the full charge, photos of the damaged item, and the manufacturer's warranty for warranty claims. Proof of loss is due within 90 days of the loss. Expect some back and forth by email before the payment clears.
No. The Tangerine Money-Back Mastercard has no annual fee. That frames the insurance fairly: there is no premium to justify, so the two purchase protections are genuine extras rather than something you pay for. The trade-off is that almost everything else is missing. No travel, no rental, no mobile device coverage. For free shopping protection it is fine, but it is not a card to lean on for trips or rentals.