Does the Tangerine Money-Back World Mastercard include travel medical insurance?

No. This card carries no emergency travel medical or hospital coverage abroad. If you travel, buy a standalone travel medical policy — your card will not pay out-of-country medical bills.

Does it cover trip cancellation or interruption?

No. There is no trip cancellation, trip interruption, flight/baggage delay, lost baggage or travel-accident coverage on this card. None of these benefits are offered.

What rental car coverage does it provide?

Rental Car Collision/Loss Damage (CLD) covers damage to or theft of an eligible rental vehicle up to its actual cash value (vehicles up to $65,000), for rentals of 31 consecutive days or less. It does not include third-party liability, roadside assistance or coverage for personal belongings.

Is the rental coverage primary or secondary?

It is primary insurance — a valid claim is paid without first going through your personal auto policy. You must decline the rental agency's CDW/LDW and charge the full rental cost to the card.

Does the card cover my cellphone?

Yes. Mobile Device Insurance covers a new phone or tablet bought with the card (or with all wireless bills charged to the card) against loss, theft, mechanical breakdown and accidental damage, up to $1,000. A 2%/month depreciation and a $25–$100 deductible apply, with a maximum of one claim per 12 months.

What do purchase assurance and extended warranty cover?

Purchase Assurance protects most new purchases against loss, theft or damage for 90 days, and Extended Warranty doubles the manufacturer's warranty by up to one year. Both are excess coverage and share one combined $60,000 lifetime maximum.

Is there an extra fee for the insurance?

No. The insurance coverages are included with the Tangerine Money-Back World Mastercard at no additional cost, and the card itself has a $0 annual fee.

How do I make an insurance claim?

All claims are handled by Assurant. File online at cardbenefits.assurant.com or call 1-855-255-6050 (8 a.m.–8 p.m. ET, Monday–Friday). Notify before any repair or replacement and provide your receipts, card statement and any required reports.

What does the insurance on my Tangerine Money-Back World Mastercard actually cover?

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

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

1,3/5Independent review · verified July 2026

Travel Insurance

0,0

Car Rental

4,2

Protection

2,9

Our Verdict · Travel Insurance

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

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

The Tangerine Money-Back World Mastercard includes no travel insurance whatsoever — no emergency medical, trip cancellation/interruption, flight or baggage coverage, and no travel-accident benefit. Anyone travelling should buy a standalone travel policy.

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 World Mastercard Travel Insurance actually cover?

This card does not include trip cancellation insurance; non-refundable deposits lost to a cancelled trip are not reimbursed.

This card carries no emergency medical or hospital coverage abroad; out-of-country medical bills are not covered.

There is no emergency medical repatriation or evacuation benefit on this card.

Trip interruption is not covered; extra costs to cut a trip short are not reimbursed.

Flight or travel delay expenses such as meals and accommodation are not covered by this card.

Missed connection costs are not covered.

There is no early-return benefit; the cost of returning home early is not covered.

Baggage delay is not covered; essentials bought while your bags are delayed are not reimbursed.

Lost or stolen baggage is not covered by this card.

There is no common-carrier travel accident (AD&D) benefit on this card.

Theft of belongings from a hotel room is 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 Tangerine Money-Back World Mastercard 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

Money-Back World MastercardThis card1.3/5?

CA$0/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

CA$235 avg. annual fee

Click a layer to highlight its scores on the radar.

Side-by-side comparison

How the Tangerine Money-Back World Mastercard stacks up against the alternatives

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

Card	This card Money-Back World Mastercard Tangerine · CA$0/yr 1.3/5?	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 →	$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 Tangerine Money-Back World Mastercard

Based on creditcardGenius user reviews (3.4/5 from 25 reviewers) 25 reviews

Donna

2025

Effortless cash back

"Very happy with this card. It gives me cash back in the 3 categories of my choice. It's a great effortless way to save money."

victorzwc

2025

2% is plenty

"2% cash back is perfect for me, even with just two categories—that's more than enough. Later on, I'll add a savings account to unlock the third 2% category."

Michelle

2023

Let me down while travelling

"Very disappointed with Tangerine Mastercard... not reliable when you need it," citing card lockouts during travel situations.

Benefits & claims (Assurant)

1-855-255-6050

Toll-free · 8 a.m.–8 p.m. ET, Mon–Fri

Benefit administrator: Assurant (American Bankers Insurance Company of Florida)

Claims & pre-authorizations

How to file a claim

Contact the administrator first

Before any repair or replacement, contact Assurant online at cardbenefits.assurant.com or call 1-855-255-6050 (8 a.m.–8 p.m. ET, Mon–Fri). For mobile-device loss or theft, also notify your wireless carrier within 48 hours and the police within 7 days.

Open your claim on time

Purchase Assurance / Extended Warranty: notify immediately and provide proof of loss within 90 days. Mobile Device: notify within 14 days of the loss. Rental car: report the damage or theft promptly.

Gather your documents

Keep your card statement showing the charge, the original sales receipt, the rental agreement (for car claims), repair estimates, police/loss reports, and any other-insurance payout documents.

Submit and follow up

Complete and sign the claim form with the time, place, cause and amount of loss, submit the required documents and keep your originals. Benefits are paid in excess of any other insurance you hold.

No. This card carries no emergency travel medical or hospital coverage abroad. If you travel, buy a standalone travel medical policy — your card will not pay out-of-country medical bills.
No. There is no trip cancellation, trip interruption, flight/baggage delay, lost baggage or travel-accident coverage on this card. None of these benefits are offered.
Rental Car Collision/Loss Damage (CLD) covers damage to or theft of an eligible rental vehicle up to its actual cash value (vehicles up to $65,000), for rentals of 31 consecutive days or less. It does not include third-party liability, roadside assistance or coverage for personal belongings.
It is primary insurance — a valid claim is paid without first going through your personal auto policy. You must decline the rental agency's CDW/LDW and charge the full rental cost to the card.
Yes. Mobile Device Insurance covers a new phone or tablet bought with the card (or with all wireless bills charged to the card) against loss, theft, mechanical breakdown and accidental damage, up to $1,000. A 2%/month depreciation and a $25–$100 deductible apply, with a maximum of one claim per 12 months.
Purchase Assurance protects most new purchases against loss, theft or damage for 90 days, and Extended Warranty doubles the manufacturer's warranty by up to one year. Both are excess coverage and share one combined $60,000 lifetime maximum.
No. The insurance coverages are included with the Tangerine Money-Back World Mastercard at no additional cost, and the card itself has a $0 annual fee.
All claims are handled by Assurant. File online at cardbenefits.assurant.com or call 1-855-255-6050 (8 a.m.–8 p.m. ET, Monday–Friday). Notify before any repair or replacement and provide your receipts, card statement and any required reports.