An emergency travel credit card in Canada can provide invaluable protection in case of medical or other travel emergencies, so make sure to read over all the fine print before selecting one.
Credit card travel insurance typically only covers expenses charged directly to that particular card, such as emergency medical coverage, trip cancellation coverage and flight delay coverage.
1. RBC Avion Visa Infinite
RBC Avion Visa Infinite is one of six personal cards from RBC that earn Avion points, their loyalty program. This card provides an unparalleled flexible redemption schedule for flights, making it perfect for frequent travellers seeking maximum value out of their points. However, its high income requirement and limited perks and benefits beyond travel insurance may disqualify this card from consideration for everyone.
With the RBC Avion Visa Infinite, you can earn 1.25 points for every dollar spent on purchases that code as travel within the Visa network, such as airlines, hotels, tour operators services, cruise lines or car rental agencies. Your points can then be redeemed against merchandise, statement credits or even statement credits!
With the RBC Avion Visa Infinite, primary cardholders and up to nine travel companions on one reservation can enjoy free baggage up to 23kg/50lbs when flying Air Canada – something American Express Aeroplan Card doesn’t provide.
2. TD Aeroplan Visa Infinite Privilege
The TD Aeroplan Visa Infinite Privilege credit card is an ideal co-branded solution for Air Canada and Aeroplan fans looking to maximize their points earning potential and enjoy all kinds of travel benefits. Voted the best Ultra Premium credit card by Rewards Canada 2022, it features one of the highest base earn rates outside accelerated Aeroplan point purchase categories as well as comprehensive flight delay and cancellation coverage – not forgetting an array of travel insurances such as comprehensive flight delay protection coverage.
This card also provides cardholders and their guests a complimentary first checked bag on all Air Canada flights, free Dragonpass airport lounge passes and NEXUS fee rebates. For an additional $199 annually, supplementary cardholders will enjoy all of these travel benefits alongside those enjoyed by primary cardholders.
This card’s annual fee of $599 may seem high to some people, but frequent flyers who require top-of-the-line premium travel credit cards will find its benefits more than worth their while.
3. National Bank World Elite Mastercard
The National Bank World Elite Mastercard is a premium travel rewards credit card offering one of the most comprehensive insurance packages on the market, such as purchase protection and extended warranty insurance, trip cancellation/interruption/out-of-province hospital/medical coverage as well as flight delay/baggage loss coverage.
This card with travel insurance Canada is an excellent option for frequent travellers, offering comprehensive protection of airfare and hotel expenses with its excellent travel package and offering a $150 travel credit each year that may help offset its annual fee.
Additionally, this card offers five A la carte Rewards Points per dollar spent on grocery and restaurant purchases, free and unlimited access to the National Bank Lounge at Montreal-Trudeau Airport for themselves and two guests, and earns 1 Rewards Point for every $1 spent in other expenses – these earned rewards can then be redeemed for gift cards, statement credits merchandise or even investing into an RRSP (regular retirement savings account) account at National Bank of Canada.
4. Brim World Elite Mastercard
The Brim World Elite Mastercard is an ideal premium card for Canadians who travel frequently. Boasting zero foreign transaction fees and offering comprehensive insurance (event ticket reimbursement, mobile device coverage and car rental coverage), its annual fee of just $199 makes this premium card well worth its weight in gold.
This card provides an easy points earning system with an accelerated rate of three points for every dollar spent with partner merchants, redeemable for cash back anytime and earned on every purchase – up to an annual spending limit of $25,000, after which its cash back earnings fall from 2% to 1%.
This card also comes equipped with a free budgeting app and credit score boosting features, enabling cardholders to track spending and savings through Brim Open Rewards program, access free global Wi-Fi through Boingo for travel costs savings and receive first time bonuses worth up to $500 in value – offering additional value-adding features!
