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Flight delay insurance credit cards in Canada

Flight delay insurance included with the card. Pays reasonable expenses after a minimum delay; the ticket usually must be charged to the card.

13 cards · Highest net annual rewards first

Values are estimates based on typical spending of $2,000/month, after annual fees. How we calculate

Annual Fee
$150.00
First Year Bonus Value
$300.00
Up to 70,000 Hilton Honors points and a Free Night Reward
Net Annual Rewards
$442.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value
$742.00

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

Annual Fee
$120.00
First Year Bonus Value
$650.00
Up to 65,000 Scene+ points
Net Annual Rewards
$361.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value
$1,011.00

Comparison example at $2,000/month. Separate from your personalized estimate. Review the value basis and conditions.

Annual Fee
$120.00
First Year Bonus Value
$300.00
Net Annual Rewards
$343.20Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value
$643.20

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

View Details: American Express Cobalt
Annual Fee
$191.88
First Year Bonus Value
$150.00
Up to 15,000 Membership Rewards points
Net Annual Rewards
$236.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value
$386.00

Comparison example at $2,000/month. Separate from your personalized estimate. Review the value basis and conditions.

Annual Fee
$139.00
First Year Bonus Value
$500.00
Up to 50,000 Aeroplan points + first-year fee rebate
Net Annual Rewards
$140.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value
$779.00

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

Annual Fee
$120.00
First Year Bonus Value
$350.00
Up to 45,000 Aeroplan points
Net Annual Rewards
$132.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value
$482.00

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

Annual Fee
$250.00
First Year Bonus Value
$600.00
Up to 60,000 Membership Rewards points
Net Annual Rewards
$31.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value
$631.00

Comparison example at $2,000/month. Separate from your personalized estimate. Review the value basis and conditions.

View Details: CIBC Aventura Gold Visa
Annual Fee
$139.00
First Year Bonus Value
$375.00
Up to 60,000 Aventura points + first-year fee rebate
Net Annual Rewards
$24.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value
$538.00

Comparison example at $2,000/month. Separate from your personalized estimate. Review the value basis and conditions.

View Details: CIBC Aventura Visa Infinite
Annual Fee
$139.00
First Year Bonus Value
$375.00
Up to 60,000 Aventura points + first-year fee rebate
Net Annual Rewards
$24.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value
$538.00

Comparison example at $2,000/month. Separate from your personalized estimate. Review the value basis and conditions.

Annual Fee
$499.00
First Year Bonus Value
$800.00
Up to 80,000 Aventura points
Net Annual Rewards
-$153.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value
$647.00

Comparison example at $2,000/month. Separate from your personalized estimate. Review the value basis and conditions.

How we chose these cards

Cards included here match: flight delay insurance included with the card. They’re ordered by net annual rewards at typical spending of $2,000/month — change the order with “Sort by”. How we calculate.

Coverage by card

Coverage we’ve verified in each card’s insurance certificate, with the date we checked it. A card that isn’t listed may still include this coverage; check its certificate.

CardCoverageLimitLength of coverageChecked
Hilton Honors American Express CardFlight delay insuranceUp to $500 per occurrence (combined with baggage delay)Delays or denied boarding of 4+ hours; missed connections
Scotiabank Gold American ExpressFlight delay insuranceUp to $500 per insured personDelays of 4 hours or more; expenses within 48 hours of the scheduled departure
RBC Cash Back Preferred World Elite MastercardFlight delay insurance$250/person; $500 total/occurrence4-hour trigger; coverage ends within 48 hours
American Express CobaltFlight delay insurance$500 shared with missed connection and baggage delayDelay / denied boarding of 4+ hours
CIBC Aeroplan Visa Infinite CardFlight delay insurance$500 for all insured persons combinedFlight delayed at least 4 hours
American Express Aeroplan CardFlight delay / missed connectionCAD 500 shared with baggage-delay expenses per occurrenceDelay or qualifying missed connection at least four hours
American Express Gold RewardsFlight / baggage delay insuranceCombined maximum $500 per occurrence for all insured personsFlight delayed at least 4 hours; baggage at least 6 hours
CIBC Aventura Gold VisaFlight delay insurance$500 for all insured persons combinedFlight delayed at least 4 hours
CIBC Aventura Visa InfiniteFlight delay insurance$500 for all insured persons combinedFlight delayed at least 4 hours
CIBC Aventura Visa Infinite PrivilegeFlight delay insurance$500/person; $1,000/occurrence combinedFlight delayed at least 4 hours
CIBC Aeroplan Visa Infinite PrivilegeFlight delay insurance$500/person; $1,000/occurrence combinedFlight delayed at least 4 hours
The Platinum CardFlight / baggage delay insuranceCombined maximum $1000 per occurrence for all insured personsFlight delayed at least 4 hours; baggage at least 6 hours
National Bank World MastercardDeparting flight delayCAD 250/day, up to CAD 500 per insured personMore than four hours, or qualifying overbooking without alternative flight within four hours