Travel credit cards are very well  received by Canadian consumers due to their great travel-related rewards. As popular as these are, there’s also a type of credit card that provides additional benefits and can provide insurance while travelling.

Travel insurance credit cards are travel rewards credit cards that offer travel rewards in addition to travel insurance. They are ideal for the customer that wants real peace of mind, and if you’re shopping for such a card, we’ve compiled a handy list for you to choose from!

Here are Canada’s best credit cards for travel insurance:

Scotiabank Passport™ Visa Infinite

The Scotiabank Passport™ Visa Infinite is a travel credit card that offers extensive insurance coverage:

  • Travel Emergency Medical Insurance
  • Trip Cancellation / Trip Interruption
  • Insurance
  • Flight Delay Insurance
  • Rental Car Collision Loss/Damage Insurance
  • Travel Accident Insurance
  • Delayed & Lost Baggage Insurance
  • Hotel/Motel Burglary Insurance
  • Purchase Security & Extended Warranty Protection
  • Price Protection Service

This card’s limited-time welcome offer is equally generous:

  • Earn up to 40,000 bonus Scotia Rewards points in your first year (worth $400)
    • Earn 30,000 bonus Scotia Rewards points when you spend $1,000 in everyday eligible purchases in the first 3 months.
    • Earn 10,000 bonus Scotia Rewards points when you spend at least $40,000 in everyday eligible purchases annually.
  • No annual fee for the first year
  • 5X Scotia Rewards points on Travel for the first 3 months (worth up to $2500)

Other card features include:

  • No Foreign Exchange Mark-up
  • Complimentary Airport Lounge Access, plus 6 free lounge visits per year
  • Scotia Rewards points that can be redeemed towards statement credits, travel, the latest in tech, gift cards and more.

Start saving on travel points on this card using these rates:

  • Earn 2x Scotia Rewards® points on every $1 you spend on eligible grocery stores, dining, entertainment purchases and daily transit purchases (including buses, subways, taxis and more)
  • Earn a Scotia Rewards point for every $1 spent on all other eligible purchases

Scotiabank® Gold American Express® Card

The Scotiabank® Gold American Express® Card is a travel credit card that offers broad travel insurance coverage:

  • Travel Emergency Medical Insurance
  • Trip Cancellation/Trip Interruption Insurance
  • Flight Delay Insurance
  • Delayed and Lost Baggage Insurance
  • Travel Accident Insurance
  • Rental Car Collision Loss/Damage Insurance
  • Hotel/Motel Burglary Insurance
  • Purchase Security & Extended Warranty Protection

This card features a generous limited-time  welcome offer:

  • Earn up to 50,000 bonus Scotia Rewards points in your first year (worth $500)
    • Earn 30,000 bonus Scotia Rewards points by making at least $1,000 in everyday eligible purchases in your first 3 months from account opening .
    • Plus, for a limited time, you are eligible to earn a 20,000 Scotia Rewards point bonus when you spend at least $7,500 in everyday eligible purchases in your first year
  • No annual fee for the first year

Regular features of this card include:

  • No foreign transaction fees: Users will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies.
  • Amex exclusive benefits (Front Of The Line)
  • Complimentary Concierge Services 24/7

This card features the following reward point allocation:

  • Earn 5 Scotia Rewards points for every $1 you spend at eligible grocery stores, dining and entertainment
  • Earn 3 Scotia Rewards points for every $1 you spend at eligible gas stations, daily transit, and select streaming services
  • Earn 1 point for every $1 you spend on all other eligible everyday purchases

CIBC Aventura® Visa Infinite Card

The CIBC Aventura® Visa Infinite Card is a travel card with travel insurance coverage that provides true peace of mind:

  • Out-of-Province Emergency Travel Medical Insurance
  • Flight Delay and Baggage Insurance
  • Trip Cancellation and Trip Interruption Insurance
  • Auto Rental Collision and Loss Damage Insurance
  • $500,000 Common Carrier Accident Insurance
  • Purchase Security and Extended Protection Insurance
  • Hotel Burglary Insurance
  • Mobile Device Insurance

This card’s welcome offer gives new users these perks†:

  • Earn up to 35,000 Aventura Points (worth up to $800† in travel value).
    • Get 20,000 Aventura Points when you make your first purchase†
    • Also, in your first year, you can earn an additional 1,250 Aventura Points each monthly statement period in which you spend at least $1,000 (maximum 15,000 points)†
  • Get a first-year annual fee rebate for you and up to 3 Authorized Users†

Other regular card perks allow users to:

  • Get access to 1,300+ airport lounges (worth over $200)
  • Enjoy a Priority Pass Membership and 4 complimentary airport lounge visits per year
  • Get a NEXUS application fee rebate (worth $50)

The points allocation for this card are as follows:

  • 2 points for every $1 spent on travel purchased through the CIBC Rewards Centre.
  • 5 points for every $1 spent at eligible gas stations, grocery stores and drug stores.
  • 1 point for every $1 spent on all other purchases.

CIBC Aeroplan® Visa Infinite Card

The CIBC Aeroplan® Visa Infinite Card is a travel credit card that offers comprehensive insurance coverage:

  • Out-of-Province Emergency Travel Medical Insurance
  • Trip Cancellation and Trip Interruption Insurance
  • Flight Delay and Baggage Insurance
  • Hotel Burglary Insurance
  • Car Rental Collision and Loss Damage Insurance
  • Purchase Security and Extended Protection Insurance
  • Mobile Device Insurance
  • Common Carrier Accident Insurance

This card’s welcome offer allows first-time users to:

  • Earn up to 20,000 Aeroplan points†
    • Earn 10,000 Aeroplan points when you make your first purchase†
    • Earn 10,000 bonus Aeroplan points when you spend $1,000 or more during the first 4 monthly statement periods†
  • Get a first-year annual fee rebate for you and up to 3 Authorized Users†

Regular perks of this travel card include:

  • Air Canada Buddy Pass: Users can get a second ticket when booking an economy ticket.
    • Buddy Pass program is eligible anywhere Air Canada flies in North America, including Hawaii and Mexico in Economy class
    • Users only pay the taxes and third-party charges on the second ticket
    • Buddy Pass program activated upon spending $1,000† or more on your card during the first 4 monthly statement periods
    • Users have a whole year to use their Buddy Pass
  • A free first checked bag for you, authorized users and up to 8 companions every time you fly with Air Canada

Earn reward points using this system:

  • 5 points for every $1 you spend on gas, groceries and with Air Canada directly, including through Air Canada Vacations.
  • 1 point for every $1 you spend on all other purchases.
  • Earn points twice at over 150 Aeroplan partners and 170+ online retailers through the Aeroplan eStore.

CIBC Aventura® Gold Visa Card

The CIBC Aventura® Gold Visa Card is a travel card that offers this travel insurance coverage package:

  • Out-of-Province Emergency Travel Medical Insurance
  • Flight Delay and Baggage Insurance
  • Auto rental Collision and Loss damage Insurance
  • $500,000 Common Carrier Accident Insurance
  • Purchase Security and Extended Protection Insurance
  • Hotel Burglary Insurance
  • Mobile Device Insurance

This card’s welcome offer† allows users to:

  • Earn up to 35,000 Aventura Points† (up to $800† in travel value)
    • Get 20,000 Aventura Points when you make your first purchase†
    • Earn an additional 1,250 Aventura Points each monthly statement period in which you spend at least $1,000† (up to 15,000 points)†
  • Get a first-year annual fee rebate for you and up to 3 Authorized Users†

Regular card features allow users to:

  • Get access to 1,300+ airport lounges (worth over $200)
  • Enjoy a Priority Pass Membership and 4 complimentary airport lounge visits per year
  • Get a NEXUS application fee rebate (worth $50)

Earn points on this card at these rates:

  • 2x points for every $1 spent on travel purchased through the CIBC Rewards Centre.
  • 5x point for every $1 spent at eligible gas stations, grocery stores and drug stores.
  • 1x point for every $1 spent on all other purchases.

WestJet  RBC World Elite Mastercard

The WestJet RBC World Elite Mastercard is a travel rewards credit card that takes care of its travelling cardholders. This card offers insurance that cover:

  • Out of Province/Country Emergency Medical
  • Trip Interruption
  • Travel Accident
  • Emergency Purchases and Flight Delay

As well, this travel card offers users 350 welcome WestJet dollars (on first purchase) as well as other great perks such as: free first checked bags for the primary cardholder, no-fee Boingo WiFi (inflight or on-the-go), and no blackout periods.

Start earning rewards on this card at these rates:

  • 5% back in WestJet dollars on everyday purchases.
  • 2% back in WestJet dollars on flights or packages with WestJet or WestJet Vacations.

TD Cash Back Visa Infinite Card

The TD Cash Back Visa Infinite Card is a cash back credit card that offers the best of both worlds. Although it does not offer a travel rewards program, it does allow users to travel with confidence using its Travel Medical Insurance.

This card’s limited-time promotion allows new users to:

  • Earn 6% Cash Back on all Purchases for the first 3 months up to a total spend of $2,000
  • Plus, first year no Annual Fee for the Primary and Additional Cardholders

Great regular features of this card include:

  • Emergency Road Services with the Deluxe TD Auto Club Membership
  • Travel with confidence with Travel Medical Insurance
  • Complimentary Visa Infinite® Concierge service available 24/7

You can redeem your Cash Back Dollars to help pay down your Account balance whenever you please (minimum amount of $25) at these rates:

  • Earn 3% in Cash Back Dollars on eligible grocery Purchases and gas Purchases, and on regularly recurring bill payments set up on your Account
  • Earn 1% in Cash Back Dollars on all other Purchases made with your Card

With this card, your Cash Back Dollars never expire as long as your account is open and in good standing.

With so many travel credit cards with great travel insurance coverage, you’re sure to find the one that is right for you!

Do you want to find out more? Check out our comparison charts to get a detailed analysis of how each credit card compares with the competition!

†Conditions Apply

Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by our advertising partners.

RatemyRewards.ca © 2021 All rights reserved. Terms and conditions | Privacy Policy | Disclaimer