Emergency travel medical insurance included with the card. Age limits, trip length and pre-existing-condition rules apply.
Values are estimates based on typical spending of $2,000/month, after annual fees. How we calculate
Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.
Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.
Comparison example at $2,000/month. Separate from your personalized estimate. Review the value basis and conditions.
Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.
Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.
Comparison example at $2,000/month. Separate from your personalized estimate. Review the value basis and conditions.
Comparison example at $2,000/month. Separate from your personalized estimate. Review the value basis and conditions.
Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.
Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.
Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.
Cards included here match: emergency travel medical 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 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.
| Card | Coverage | Limit | Length of coverage | Checked |
|---|---|---|---|---|
| MBNA Rewards World Elite Mastercard | Emergency medical insurance | Up to $2,000,000 per insured person / trip | First 21 consecutive days; primary/spouse under 65 | |
| National Bank World Elite Mastercard | Emergency medical insurance | Up to $5,000,000 per person | Age ≤54: 60 days; 55–64: 31 days; 65–75: 15 days; ≥76: excluded. No coverage if entire trip exceeds the age-based maximum | |
| Scotiabank Gold American Express | Emergency medical insurance | Up to $1,000,000 per person / trip | 25 days under 65; 3 days age 65+ | |
| Rogers Red World Elite Mastercard | Emergency medical insurance | Up to $1,000,000 | First 10 days of a trip under age 65 (15 days from November 18, 2026); first 3 days ages 65 to 75 | |
| RBC Cash Back Preferred World Elite Mastercard | Emergency medical insurance | Reasonable emergency costs; no overall maximum in certificate | 10 days under age 65; 3 days age 65+ | |
| CIBC Dividend Visa Infinite | Emergency travel medical insurance | Up to $5,000,000 per insured person / trip | 10 days; age ≤64 | |
| American Express Cobalt | Emergency medical insurance | Up to $5,000,000 per person / trip | First 15 consecutive days; age 64 or younger | |
| National Bank Platinum Mastercard | Emergency medical insurance | Up to $5,000,000 per person | Up to 10 days; younger than 76. No coverage if the entire trip exceeds 10 days | |
| CIBC Aeroplan Visa Infinite Card | Emergency travel medical insurance | Up to $5,000,000 per insured person / trip | 15 days if 64 or younger; 3 days if 65 or older | |
| Scotiabank Platinum American Express | Emergency travel medical insurance | Up to $2,000,000 per insured person / trip | 31 days if 64 or younger; 10 days if 65 or older | |
| American Express Gold Rewards | Emergency medical insurance | Up to $5,000,000 per insured person / trip | First 15 days; age 64 or younger, departure and return days included | |
| CIBC Aventura Gold Visa | Emergency travel medical insurance | Up to $5,000,000 per insured person / trip | 15 days; age 64 or younger | |
| CIBC Aventura Visa Infinite | Emergency travel medical insurance | Up to $5,000,000 per insured person / trip | 15 days ≤64; 3 days ≥65 | |
| CIBC Aventura Visa Infinite Privilege | Emergency travel medical insurance | Up to $5,000,000 per insured person / trip | 31 days ≤64; 10 days ≥65 | |
| CIBC Aeroplan Visa Infinite Privilege | Emergency travel medical insurance | Up to $5,000,000 per insured person / trip | 31 days if 64 or younger; 10 days if 65 or older | |
| Scotiabank Passport Visa Infinite Privilege | Emergency travel medical insurance | Up to $5,000,000 per insured person / trip | 31 days if 64 or younger; 10 days if 65 or older | |
| The Platinum Card | Emergency medical insurance | Up to $5,000,000 per insured person / trip | First 15 days; age 64 or younger, departure and return days included | |
| National Bank World Mastercard | Emergency medical | Up to CAD 5,000,000 per person | Age ≤54: 60 days; 55–64: 31 days; 65–75: 15 days; 76+: not covered |
