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Does my Scotiabank credit card have Trip Cancellation or Trip Interruption Insurance?

This is a list of Scotiabank credit cards that include trip cancellation insurance and/or trip interruption insurance benefits, as well as links to the current Certificates of Insurance with full details of these coverages:

Trip Cancellation and Trip Interruption

Scotiabank Passport Visa Infinite Card English PDF

Scotiabank American Express Gold Card English PDF

Scotiabank American Express Platinum Card English PDF

Scotiabank Momentum Visa Infinite Card English PDF

Scotiabank Passport Visa Infinite Business Card English PDF

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Scotia Momentum Visa Infinite Review 2024: The Best Travel Insurance Coverage From A Cash Back Card

Updated: Feb 21, 2024, 2:49am

Fact Checked

The Scotia Momentum Visa Infinite ranks among Canada’s best cash back credit cards for two major reasons: Its generous cash back rate offers a boon in some of the spending categories inflation may have hit the hardest (groceries, bills, gas) and it boasts some of the most robust travel insurance coverage of all cash back cards. Plus, it has a generous welcome offer of 10% cash back for the first three months, up to a $2,000, when you apply by October 31, 2024. But does that compensate for this cash back card’s rigid redemption rules? We break down what you need to know about the Scotia Momentum Visa Infinite, including how it stacks up to the competition.

Scotia Momentum Visa Infinite

All the momentum is on your side with the Scotia Momentum Visa Infinite Card. Check out the exclusive Visa Infinite benefits it comes with.

On Scotiabank's Secure Website

• Earn up to 4% cash back on purchases.
• Excellent travel insurance coverage for a cash back card.
• First year annual fee waiver includes supplementary cards.
• Reward spending categories fall short of the competition.
• Cash back rewards are only paid out once a year.
• Welcome bonus looks more attractive than it is.

Table of Contents

Introduction, at a glance, scotia momentum visa infinite rewards, scotia momentum visa infinite benefits, how the scotia momentum visa infinite stacks up, methodology, is the scotia momentum visa infinite right for you.

• Earn 10% cash back for the first $2000 spent in the first three months ($200 value). Must open your account by October 31, 2024.
• Earn 4% cash back on groceries and recurring payments.
• Earn 2% cash back on gas and transportation.
• Earn 1% cash back on everything else with no cash back limit.
• Includes travel insurance coverage, like  travel emergency medical and travel accident insurance, flight delay insurance, delayed and lost baggage and trip cancellation.
• Includes rental car loss/damage insurance.
• Up to $1,000 coverage for mobile devices.
• Purchase security and extended warranty protection.
• 25% discount on car rentals at participating Avis and Budget locations.
• Visa Infinite benefits including concierge service and hotel upgrades.

The Scotia Momentum Visa Infinite Card is an award-winning cash back credit card that punches above its weight when it comes to travel insurance, but leaves room for improvement when it comes to earning cash back.

This card’s top cash back category, a 4% cash back offer on grocery purchases, may seem like a selling point, especially considering grocery costs have been on the rise . However, consider where you do your shopping before you decide: Some of Canada’s largest grocers, like Loblaws and Costco, are partial to the Mastercard network and won’t accept this particular card (or any Visa for that matter).

This card also extends a 4% reward to subscriptions and bill payments. This feature could be a boon to families bracing for bigger bills because of inflation, like record-high heating bills .The only slight catch is you’ll have to sign up for pre-authorized billing to take advantage of the category, as manual bill payments don’t count.

The Scotia Momentum Visa Infinite Card’s other cash back category pays a 2% reward on gas and daily travel, which, fortunately, does extend to public transportation and electric vehicle charging should they be a regular expenditure for you. All other spending is rewarded with a 1% in cash back.

As a welcome bonus, the Scotia Momentum Visa Infinite Card offers 10% cash back on all purchases in the first three months when you apply by October 31, 2024. The bonus offer is limited to the first $2,000 in spending, meaning you can only earn a maximum of $200. Also, the bonus cash back isn’t paid until seven months after the card has been activated, and only if your account isn’t overdrawn or past due at that time.

A major downside of this card is its restrictive cash back redemption rules. Rewards are only paid to cardholders once per year, in November. If your account isn’t in good standing at that time, your cash back will be forfeited. The same applies if you’re overdrawn or if your minimum payment is past due. And if you have a Scotiabank chequing or savings account, your reward will be paid there, rather than applied to your credit card statement, unless you specifically request otherwise.

However, where this card shines brightest relative to other cash back credit cards is its travel insurance offering. As a cardholder, you’ll get coverage for trip interruption/cancellation, lost/delayed baggage, flight delays and travel accidents. This coverage is among the best available in the cash back category, albeit with lower limits relative to what you would get with a travel rewards credit card, like the Scotia Passport Visa Infinite Card.

• Cash back on all purchases including 4% on groceries and recurring payments like bills and subscriptions, 2% on gas and daily transit and 1% on everything else.
• The welcome offer includes 10% cash back on all purchases in the first three months (up to $2,000 in spending) when you apply by October 31, 2024, plus no annual fee for primary and secondary cardholders in the first year.
• Excellent travel insurance coverage, including emergency medical and travel accident insurance, trip interruption/cancellation, lost/delayed baggage, flight delays and rental car damage/collision insurance.

The Scotia Momentum Visa Infinite card is best used for the essential purchases in your life.

To get the most out of the top cash-back category, use this card for all your grocery shopping and regular bill payments. Note that you have to sign up for automatic billing using your card to get the 4% cash back, as manual bill payments made using the card won’t count.

This card is also good for purchasing travel, thanks to its above-average travel insurance coverage. However, keep in mind that travel purchases only qualify for the 1% “everything else” cash back category. If you’re a frequent traveller and aren’t set on earning cash back specifically, you may opt for another credit card with travel insurance coverage that can help you earn rewards when you book, too.

Earning rewards

Earning cash-back rewards with the Scotia Momentum Visa Infinite Card is easy, as the rewards are calculated and paid automatically. Every time you make a purchase, the cash back category and reward amount is noted on the transaction. Your accumulated cash back reward will appear on your monthly statement.

Redeeming Rewards

Unlike most cash back credit cards, which pay rewards monthly or on request, the Scotia Momentum Visa Infinite Card pays cash back to cardholders once per year each November.

If you have a Scotiabank chequing or savings account, your cash back rewards will be deposited there, unless you specifically request it be applied to your credit card account by the October 15 deadline. If you don’t have a Scotiabank chequing or savings account, the cash back reward will be automatically applied to your credit card statement.

If you close your account prior to the November payout, or if your account falls out of good standing as defined by Scotiabank, you will forfeit your accumulated cash-back rewards for the year.

Rewards Potential

Depending on your spending habits, the Scotia Momentum Visa Infinite Card has big potential for cash back rewards. We did the math for you by calculating what the average Canadian spends every year for each Scotia Momentum Visa Infinite cash back category. Forbes Advisor uses data from multiple government agencies in order to determine both baseline income and credit card spending averages across various categories.

Forbes Advisor estimates the total annual credit card spending to be $27,851.70. Of that amount, grocery purchases add up to $7,536, earning $301.44 in cash back. The $2,436 spent on bill payments annually would amount to $97.44 in cash back, assuming they were recurring. Canadians also spend $3,360 on gas, coming out to $67.20 in cash back (and more if they use transit, too). We can tag another $145.19 on annual cash back for $14,519 in other spending categories (like dining, air travel, hotels, online purchases and miscellaneous spending) that could reasonably be charged to a credit card and would earn at the base rate.

The total cash back collected brings the potential annual earnings to $611.27. When we subtract the annual $120 fee, this card still earns an impressive $491.27.

• Visa Infinite Concierge Service: Get help with trip planning, restaurant reservations and more with access to Visa Infinite’s complimentary concierge.
• Visa Infinite Hotel Collection: Get guaranteed best available rates, automatic upgrades and free in-room Wi-Fi at over 900 participating properties.
• Visa Infinite* Dining and Wine Country program: Get access to exclusive Visa Infinite dining events.
• Up to 25% off car rentals: Save up to 25% off your reservation at participating Budget and Avis locations.
• Insurance coverage: Get travel emergency medical for up to $1,000,000 for 15 days of travel. You’ll also get travel accident insurance. Plus, coverage for trip delay/interruption, flight delay, delayed/lost baggage and rental car collision loss/damage insurance.
• Consumer protection: Get purchase security and extended warranty protection. Plus, mobile device insurance.

Interest Rates

• Regular APR: 20.99%
• Cash Advance: $5
• Foreign Transaction Fee: 2.5%
• Annual Fee: $120 (waived in the first year)
• Additional cardholder: $50

The Scotia Momentum Visa Infinite is a premium card, but it has some serious competition, especially in the BMO CashBack World Elite Mastercard.

Scotia Momentum Visa Infinite vs. BMO CashBack World Elite Mastercard

The Scotia Momentum Visa Infinite Card has a serious competitor in the BMO CashBack World Elite Mastercard.

When it comes to cash back , the BMO CashBack World Elite Mastercard offers 5% cash back on groceries (the highest rate we’ve come across in Canada), 4% on transit, 3% on gas, 2% on recurring payments and 1% on everything else. However, the BMO card does have spending caps of $500 per month on those grocery, transit, gas and bill earnings categories, after which you’ll earn the base rate of 1%. When you factor that in, the earnings come to $490.07 annually, after the annual fee is accounted for. Considering that the Scotia Momentum offers $491.27, the difference very small.

However, the BMO has a slightly better welcome offer, which matches Scotia’s 10% for the first 3 months, but has a higher maximum earning capacity of $260, compared with the Scotia Momentum Visa Infinite Card’s $200.BMO customers can also redeem their cash back any time—like when they actually need it—whereas Scotia customers have to wait for their annual payout to arrive in November.

Where the Scotia Momentum Visa Infinite Card outshines the BMO CashBack World Elite Mastercard is in its insurance coverage. While the BMO card does offer emergency travel medical insurance, as well as some other travel coverage, Scotia’s option has more comprehensive travel insurance and a very useful mobile device insurance policy.

If you’re not concerned with travel insurance and know you don’t spend more than $500 a month on expenses like groceries and bills (like if you’re single), the BMO card might be the winner for you. However, if you have a large family to shop for, a substantial work commute or need travel insurance coverage, the Scotia might be the winner.

Scotia Momentum Visa Infinite vs. CIBC Dividend Visa Infinite

A close relative of the Scotia Momentum Visa Infinite Card, the CIBC Dividend Visa Infinite Card offers similar features, especially since they’re both part of the Visa Infinite family.

You may earn slightly more cash back rewards using CIBC’s cash back card, which offers 4% cash back on groceries and gas, 2% on transportation, dining and recurring payments and 1% on everything else. When we added it up, you can earn $537.50 with the CIBC card, after you factor in the annual fee. Compared to the Scotia card’s $491.27, it’s easy to see who is the winner here.

CIBC also wins for flexible redemption, since cardholders can redeem their cash back rewards at any time. However, they won’t enjoy any welcome offer (as of the time of writing.)

The CIBC Dividend Visa Infinite Card also gives cardholders an enticing $0.10 discount on gas at participating stations, but doesn’t offer any other benefits that exceed those offered by the Scotia Momentum Visa Infinite Card. As with most cash back credit cards, CIBC’s travel insurance coverage falls behind Scotia’s excellent coverage.

Scotia Momentum Visa Infinite vs. SimplyCash Preferred from American Express

The SimplyCash Preferred Card from American Express isn’t accepted at as many locations as the Scotia Momentum Visa Infinite Card since it’s an Amex card, but it still packs a punch when it comes to cash back rewards—and bonus points for simplicity.

Rather than picking and choosing categories, this American Express card offers 2% cash back on all purchases after a 10% cash back offer in the first four months (up to a $400 value). Despite this, you’ll earn more cash back with a Scotia Momentum Visa Infinite Card if you have a typical spending profile. The SimplyCash Preferred earns $348.13 annually (when you factor in the annual fee), while the Scotia card offers $491.27. And because Visa is more widely accepted than American Express, you’re likely to get better use (and therefore more cash back) out of the Scotia card.

When it comes to benefits, the SimplyCash Preferred Card is one of few that rival the Scotia Momentum Visa Infinite Card. The American Express card offers a higher limit on travel emergency medical coverage and comparable coverage in other travel categories except trip cancellation.

When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With cash back, the scoring model used takes into account factors such as, but not limited to, cash back rates and categories, fees, welcome bonuses, and other rewards and features. Keep in mind, what may be best for some people might not be right for you. Conduct informed research before deciding which cards will best help you achieve your financial goals.

If you spend a lot of money at grocery stores that accept Visa cards and like to put your bills with automatic payments, the Scotia Momentum Visa Infinite card will be a particularly rewarding cash back credit card for you.

This card may also be right for you if you like to travel but prefer a cash back card to a (sometimes confusing) travel rewards program credit card. With some of the best travel insurance coverage among cash back credit cards in Canada, the Scotia Momentum Visa Infinite card is a great choice for booking your next vacation.

If you don’t need travel insurance coverage, you should consider the CIBC Dividend Visa Infinite, which offers more cash back earning potential annually. If you shop at a grocery store that only takes MasterCard, the BMO CashBack World Elite Mastercard is a good alternative too, with 5% cash back on groceries and more flexible redemption rules.

Related: Best Credit Cards You Can Get

Frequently Asked Questions (FAQs)

What rewards will i get for using the scotia momentum visa infinite card.

With this card, you’ll get cash back rewards totalling 4% on groceries and recurring bill payments, 2% on gas and daily transit and 1% on everything else. You’ll also get 10% cash back on your first $2,000 in purchases made within the first three months when you apply by April 30th, 2023.

How much cash back can I earn?

Forbes Advisor Canada estimates a first-year reward of $611.14 with a typical spending profile.

What are the qualification criteria?

The Scotia Momentum Visa Infinite Card requires a minimum personal income of $60,000 or a minimum household income of $100,000. You’ll also need a credit score in the “good” to “excellent” range.

Do I need a Scotiabank bank account to get this card?

No, you don’t need to be a Scotiabank customer to get this card. As long as you meet the minimum income and credit requirements, you can get the Scotia Momentum Visa Infinite card no matter where you do your daily banking.

Should I get this card if I carry a balance?

If you carry a balance, this card’s high 20.99% interest rate will quickly add up to far more than any cash back rewards you earn. If you need to carry a balance on your credit card, look for a balance transfer credit card or low interest credit card instead.

Jordan Lavin is a personal finance expert, marketing professional, content creator, and writer with an extensive history of working with leading media, financial, and technology companies. When he’s not writing, Jordan can be found at a campground or curling rink, depending on the weather.

Aaron Broverman is the lead editor of Forbes Advisor Canada. He has over a decade of experience writing in the personal finance space for outlets such as Creditcards.com, creditcardGenius.ca, Yahoo Finance Canada, Nerd Wallet Canada and Greedyrates.ca. He lives in Waterloo, Ontario with his wife and son.

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COVID-19 travel insurance: costs, coverage and the fine print

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This article is more than 2 years old and some information may not be up to date.

The federal government has lifted its blanket advisory against all non-essential travel. The U.S. land border is once again open and growing numbers of Canadians are ready to travel.

While bookings aren’t expected to return to pre-pandemic levels until sometime well into 2022 or even 2023, travel agents are receiving a growing number of inquiries, especially from clients eyeing sunny getaways in February or March of next year, says Wendy Paradis, president of the Association of Canadian Travel Agencies (ACTA).

But for every trip they’re helping to plan, travel agents these days are having an average of seven to eight calls with clients, twice the number they’d normally field before COVID-19 , according to Paradis. The number one question, she says, is about travel insurance .

The good news is that COVID-19 coverage is no longer hard to find. More than half of travel insurance providers in Canada now offer options to protect yourself in case of medical emergencies or trip disruptions linked to the virus, estimates Will McAleer, executive director of the Travel Health Insurance Association of Canada (THIA).

And the pandemic hasn’t had much of an impact on travel insurance costs, he adds.

“If you’re vaccinated, most plans aren’t going to charge you extra to receive coverage for COVID-19 ,” he says.

For example, Medipac Travel Insurance, which is endorsed by the Canadian Snowbird Association, said most of the rate adjustments it has made over the past couple of years reflect medical inflation and aren’t directly related to the pandemic.

Still, the tricky part is ensuring you have the coverage you need, Paradis says.

“Not all travel policies are created equal,” she warns. “If there’s any time that you’re going to read the fine print in your insurance policy, now’s the time.”

If you’re ready to pack your bags, here are a few things to know.

If you get sick just before leaving

If you’re getting ready to board an international flight, chances are, you’ll have to take a COVID-19 test. What happens if you test positive?

That’s when trip cancellation and interruption insurance comes into play, McAleer says. This kind of coverage, which helps you recover some expenses if your travel plans are derailed, usually kicks in from the time you purchase the policy, not your departure date, he notes.

That’s why it’s a good idea to get coverage as soon as you’ve made your booking, he adds.

Keep in mind, though, that some COVID-19 plans only cover medical emergencies and not trip cancellation and interruption. Global News also reviewed plans that offer coverage for trip interruptions after the departure date but not disruptions that occur prior to the start of the trip.

How much coverage do you need for a COVID-19 related medical emergency?

If you’re considering an all-inclusive deal, you may find that some COVID-19 insurance coverage comes standard with your booking.

Several large resorts and vacation packages promise peace of mind with complimentary coverage that often includes emergency medical costs, trip interruption coverage and even quarantine expenses. Some of the plans reviewed by Global News, though, have maximum coverage of $100,000 or $200,000.

Standalone travel insurance policies, by contrast, cap coverage at $2 million, $5 million or $10 million, according to McAleer.

“While that number seems high, that will just provide you peace of mind,” he says.

The average cost of COVID-19 hospital stays that require ICU beds or access to ventilators tops $400,000 in some U.S. states, according to research from Fair Health, an independent non-profit organization.

If you need to quarantine and extend your stay

Another detail to watch for: does your policy include quarantine costs?

Travellers need a negative COVID-19 test to enter Canada, so if you test positive before your return home, you may have to wait out the virus in a hotel, short-term rental or government facility.

The real must-have when it comes to COVID-19 insurance is coverage for emergency medical expenses, McAleer says. But a policy that will also foot part of the bill for the expenses of an unexpected quarantine stay is a nice-to-have, he adds.

Typically, your insurer will chip in up to a maximum amount per day to help pay for costs like an extra-long stay until you’re cleared to go back home.

If it’s any comfort, many resorts and large hotels will let you quarantine on their premises, says Richard Vanderlubbe, president at Tripcentral.ca.

“They’re nowhere close to running full occupancy. So they have empty rooms and they just created sort of a wing,” he says.

Still, in the Caribbean, the positive test rate among tourists has been extremely low so far, he adds.

Who pays for PCR tests?

One cost you’ll likely be saddled with is that of molecular polymerase chain reaction tests, or PCR tests. Right now, anyone travelling to Canada by air or arriving by car, bus, boat, ferry, or train from the U.S. must show a negative molecular test taken within 72 hours of boarding or arrival at the border.

The cost of the test can easily reach $200 per person, according to Paradis.

“For a family of four, you’re looking at quite a considerable cost added to the trip,” she says.

Travel insurance, however, is meant for unforeseen expenses and won’t cover those routine costs.

Still, in an effort to make vacationing during COVID-19 as painless as possible, several resorts say they now offer molecular tests administered by medical professionals free of charge or at a reduced cost.

'Cancel for any reason' coverage is coming back

Even without a formal travel advisory, you may decide to cancel your trip before it starts. What would happen if you decided to pull the plug on an expensive vacation because COVID-19 counts in Canada or your destination country have risen beyond your comfort level?

This is a scenario in which so-called cancel for any reason (CFAR) coverage comes in handy. That’s the only kind of policy that will let you backtrack on your travel plans simply because you’re worried.

CFAR policies are coming back onto the market in Canada after virtually disappearing earlier in the pandemic, says McAleer, but they’re no panacea. They typically come at a price premium and will only cover a portion of any non-refundable costs, he warns.

In general, if you’re arranging your next trip, you may want to consider getting trip cancellation and interruption insurance as well as signing up for whatever flexible travel options are on offer, Vanderlubbe says.

“We’re recommending that people consider buying both,” he says.

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Am I covered if I have to cancel or interrupt my trip due to COVID-19?

Allianz Global Assistance declared COVID-19 to be a known event for Trip Cancellation and Trip Interruption benefits on March 11, 2020. This known event declaration applies specifically to claims resulting from Global Affairs Canada travel advisories against non-essential travel (Level 3) or all travel (Level 4) due to COVID-19. As a result of the known event declaration, customers who purchased their policy on or after March 11, 2020 are not covered for Trip Cancellation and Trip Interruption claims related to COVID-19.

An exception to this known event declaration relates to claims if a customer becomes ill due to COVID-19 in their home province before departure, or at their destination during their trip. In these scenarios, a client can still claim for their non-refundable trip costs under Trip Cancellation (before departure) or Trip Interruption (after departure) benefits.

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What expenses are eligible for trip cancellation or trip interruption insurance?

If your Scotiabank credit card includes trip cancellation and/or trip interruption insurance, eligible expenses include, but are not limited to, the non-refundable portion of the following (if at least 75% of the cost has been charged to your credit card):

• Airline tickets or similar transportation
• Hotel bookings or similar accommodations
• Package tours (excluding insurance premiums)

For a complete list of eligible expenses, please refer to the definitions section of your Certificate of Insurance.

Related Articles

Where can I find Scotiabank travel and insurance information related to COVID-19?

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I have a question about the travel insurance I purchased with Scotiabank. How can I get my questions answered?

How to navigate travel insurance ahead of spring break as pandemic restrictions ease

Canadians looking to get away for spring break now have a more robust range of travel insurance options.

The federal government announced last week it will roll back testing and quarantine restrictions effective Monday and will also lift its blanket advisory against trips abroad.

Although Canada's requirement for pre-departure COVID-19 molecular testing will end on that date, potentially cheaper and easier-to-access rapid antigen tests will be mandatory. Unvaccinated children under 12 will also no longer need to self-isolate upon return to the country.

The change means an insured traveller can get full coverage if they suffer a medical emergency on foreign soil due to COVID-19, as companies add the virus to their polices again after removing it when Ottawa rolled out its travel warning in mid-December.

• Newsletter sign-up: Get The COVID-19 Brief sent to your inbox

"Now there are no riders, no caps on it," said Marty Firestone, president of Toronto-based insurance broker Travel Secure.

If tourists test positive they will still have to wait 10 days before returning to Canada, a cost they can hedge with trip interruption coverage that covers accommodations, airfare costs and other expenses.

However, Firestone says insurers continue to exclude pandemics from their trip cancellation coverage, meaning payments for resort packages or short-term rentals could be lost should border closures resume.

"You still won't be able to claim if your reason for not going is COVID-related," he said, adding that insurance companies may leave out global epidemics indefinitely.

"I think they're all going to cover their behinds a bit here now and never get into that position again ... You are never going to be covered for cancelling a trip because of a pandemic anymore," Firestone predicted.

Airlines sell various forms of trip cancellation coverage if you purchase a package from them.

Airlines and travel agents say bookings are on the rise again as the Omicron-fuelled surge in cases recedes and Canadians locked at home for much of the past two years clamber for escape to warmer weather.

Air Canada CEO Michael Rousseau said Friday reservations were ticking upward over the past month. Bookings at travel agencies Flight Centre and Tripcentral.ca rose to between 40 and 50 per cent of pre-pandemic levels in the days leading up to last week's federal announcement, and towered over numbers from the same time last year, when Caribbean flights were halted.

With COVID-19-related cancellations still unviable as a claim, Firestone recommended that groups putting down large deposits hash out a refund agreement with the "end user" -- resorts, rental companies, tour operators.

Cruise travel also remains at a Level 4 advisory as the government warns citizens to "avoid all cruises. The notice affects insurance coverage, with days quarantining in one's cabin -- and paying for it -- likely unclaimable, Firestone said.

Those relying on their credit cards, particularly older clients, should check the fine print for details like the length of time they're covered while overseas.

This report by The Canadian Press was first published Feb. 23, 2022.

CTVNews.ca Top Stories

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Edmonton public board votes in favour of bringing back school resource officers

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Bidet boom: Toilet technology sees rise in popularity in Canada

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Saskatoon police set to begin search of landfill for remains of missing woman

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Northern Ontario

Northern community reacts after mayor and council booted by the province.

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Vancouver Island

Harbour Air launches direct flights from Vancouver to Butchart Gardens

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Alberta-to-Montana passenger train would benefit economy, tourism: report

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'Odd request': Suspect asked woman for chili powder after Lethbridge kidnapping, robbery

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Guinness World Record attempt made in Drumheller, Alta.

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Sault Ste. Marie

Efforts continue to save the Sault YMCA

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Union concerned about mounting safety incidents at Algoma Steel

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Province boosts northern travel grant, eases restrictions, increases payouts

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'I feel honoured to say I was his friend': Wayne Gretzky remembers Bob Cole

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Voice of 'Hockey Night in Canada' Bob Cole never considered moving out of St. John's

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Cenovus fined $2.5 million for biggest oil spill in Newfoundland and Labrador history

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Shopping Trends

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My Mobile Wallet  is now included with the FREE Scotiabank Mobile Banking app and lets you tap your smartphone on the terminal to pay. Just look for the  Visa payWave  symbol at the checkout.

Apple Pay  - The easy, secure, and private way to pay with your eligible Scotiabank credit cards. 12

Click to Pay Δ* - Paying online with your Visa card is easy, smart, and secure. Just click to pay with your Visa when you see the Click to Pay icon where your Scotiabank card is accepted.

Unforgettable experiences

Take advantage of these one-of-a-kind dining, entertainment adventures, and exclusive benefits for Visa Infinite Card holders. 8

Visa Infinite Concierge Service

Whether you need help planning your trip, booking restaurant reservations, or scoring tickets to a show, our concierge is happy to assist you 24/7. 11

Visa Infinite Hotel Collection

Save with the best available rates – guaranteed. Receive an automatic room upgrade when it’s available and free Wi-Fi in your room when you check in.

Visa Infinite Dining and Wine Country program

Dine with some of the biggest names in the food and wine industry in a private, sophisticated setting. Savour a delicious, multi-course meal and expertly paired wines.

For details, and to check out the current exclusive Card holder offers, visit Visainfinite.ca .

Get a supplementary Card

Add an additional Supplementary Cardholder to your Scotiabank Passport ® Visa Infinite * Card. One account, multiple cards. Added benefits! Get an additional Card for a friend or family member 8 .

See your rewards and save.

Scene+ Program  Terms and Conditions

Insurance coverages included with your Card

Take advantage of all the ways a Scotiabank Passport ®  Visa Infinite * Card adds to your life.

Travel Emergency Medical Insurance 4

Coverage is provided for eligible persons under age 65 for up to 25 consecutive days and for eligible persons age 65 and older for up to 3 consecutive days.

As a Scotiabank Passport Visa Infinite cardmember (cardmember includes the primary cardmember and any supplemental cardmember), you, your spouse and your dependent children are each eligible for up to $2 million in emergency medical coverage if sudden and unexpected illness or accidental injury should occur while travelling outside your province or territory of residence in Canada.

Coverage includes eligible expenses for hospital care, nursing care, prescription drugs, licensed ambulances and physicians' and surgeons' fees, as well as other eligible medical services and supplies. The date of departure is counted as the first day.

This benefit is subject to exclusion for pre-existing medical conditions.

If you are under age 65 and are travelling for more than 25 days or if you are age 65 and older and travelling for more than 3 days, you may choose to purchase extension coverage from the insurer prior to your departure date by calling 1-877-222-7342. You will receive a separate Certificate of Insurance if you choose to purchase this coverage.

Certificate of Insurance

Trip Cancellation / Trip Interruption Insurance 4

Charge at least 75% of your trip costs to your Card and get trip interruption insurance at no extra cost.

Trip Cancellation 

You, your spouse, and your dependent children are eligible for up to $1,500 per person for travel expenses (maximum $10,000 per trip) when you charge at least 75% of such trip expenses to your Scotiabank Passport Visa Infinite Card and are forced to cancel your trip for medical or non-medical causes. Coverage provides reimbursement of non-refundable eligible trip costs and additional charges for ticketing changes. 

Trip Interruption

You, your spouse, and your dependent children are eligible for up to $2,500 per person for travel expenses (maximum $10,000 per trip) when you charge at least 75% of such trip expenses to your Scotiabank Passport Visa Infinite Card and are forced to interrupt your trip for medical or non-medical causes. Coverage provides reimbursement of non-refundable eligible trip costs and additional charges for ticketing changes. 

Flight Delay Insurance 4

Charge at least 75% of the full ticket cost to your Scotiabank Passport Visa Infinite Card Card and you’ll be eligible for reimbursement of necessary expenses such as hotel accommodations, meals and other emergency items.

You may be reimbursed for eligible necessary and reasonable living expenses incurred during the period of a delayed flight or missed connection which lasts four hours or more to a limit of $500 per insured person on the same trip.

Delayed and Lost Baggage Insurance 4

Charge the full cost of your airplane, train, bus or cruise ship tickets to your Card. If your checked luggage is delayed or lost – you’re covered.

When you purchase common carrier tickets with your Scotiabank Passport Visa Infinite Card, you are eligible for coverage against the loss or the delay of your checked luggage. The lost luggage benefit is limited to the lesser of the value of the covered luggage or the actual replacement cost of the lost or stolen covered luggage, to a combined maximum of $1,000.

The delayed luggage benefit is limited to $1,000 for all insured persons on the same trip for the cost of replacing eligible essential items if your checked luggage is not delivered within four (4) hours from your time of arrival at your final destination.

Rental Car Collision Loss/Damage Insurance 4

Charge the full cost of your eligible rental car to your Card and you’re automatically insured if your rental is damaged or stolen.

You are automatically covered by Collision Loss/Damage Insurance when you rent a vehicle in your name, decline the agency's collision damage waiver or loss damage waiver (or similar provision) and use your Scotiabank Passport Visa Infinite Card to pay for the entire cost of the rental. If your rental car is damaged or stolen you are covered for the amount that you are liable to the Rental Agency up to the actual cash value of the vehicle. Note that the rental period cannot exceed 48 consecutive days and vehicles costing over $65,000 are not covered.

Hotel/Motel Burglary Insurance 4

Use your Card to pay for your stay at any hotel or motel.

When you check into your hotel or motel and charge your stay to your Scotiabank Passport Visa Infinite Card, you and your spouse and dependent children travelling with you will be eligible for coverage against theft of your covered personal property if your room is broken into. Should your claim exceed the amount reimbursable by the hotel, and/or any applicable insurance protection, your coverage picks up the balance, up to a maximum of $1,000.

Travel Accident Insurance 4

Charge at least 75% of your ticket cost to your Card and you’re insured against accidental loss of life or dismemberment.

You, your spouse and eligible dependent children will be automatically insured against accidental loss of life, or dismemberment – up to a maximum of $500,000 (to a maximum of $1,000,000 per occurrence). Coverage is in place while occupying a common carrier for which you have charged at least 75% of the ticket cost to your Scotiabank Passport Visa Infinite Card, and which is licensed to carry passengers such as airplanes, cruise ships, trains or buses.

Purchase Security & Extended Warranty Protection 4

Most items purchased with your Card are insured against theft, loss or damage for 90 days from the purchase date and the manufacturer’s warranty is doubled for up to one year.

Purchase Security & Extended Warranty Protection (Maximum lifetime liability of $60,000) 4

Most items purchased anywhere in the world are automatically insured against theft, loss or damage as long as the full cost of the item is charged to your Scotiabank Passport Visa Infinite Card.

Coverage extends for the first 90 days from the date of purchase, is limited to the lesser of the repair cost, replacement cost or original purchase price, and is in excess of any other insurance coverage.

When you charge the full cost of most items to your Card, extended warranty coverage doubles the original manufacturer’s warranty for up to one year. Coverage is limited to the lesser of the repair cost, replacement cost, or original purchase price.

Items covered by a manufacturer’s warranty repair services of five years or more must be registered within the first year of purchase.

For claim forms and answers to Frequently Asked Questions visit our  partner's site .

Scotia Credit Card Protection (optional) 13

This optional insurance coverage can provide you and your family financial protection by paying off your outstanding account balance or helping to cover your monthly credit card payments as a result of certain unexpected life events, such as Death, Critical Illness, Hospitalization, Disability, Job Loss or Strike or Lockout.

There are two different coverage bundles to choose from:

Basic Protection 

• Life Benefit
• Critical Illness Benefit  
• Hospitalization Benefit

Comprehensive Protection

• Critical Illness Benefit
• Disability Benefit
• Job Loss Benefit
• Strike or Lockout Benefit

How to qualify

You must have a minimum annual income of $60,000 or a minimum household income of $100,000 or a minimum assets under management of $250,000.

Get the Scotiabank Passport® Visa * Infinite Card

Pay no foreign transaction fees

Check out how your card saves you 2.5% on all your foreign currency purchases. **

Save 2.5% on all your foreign currency purchases. **

Watch the video to see how it works.

Scene+ makes every experience more rewarding.

Scene+ is our enhanced rewards program that allows members to earn and redeem points for travel, shopping, dining and more.

A bank account that does more, means you will too. 

Receive an annual fee waiver on select credit cards by signing up for a Preferred Package or Ultimate Package.

Discover your credit card rewards

Enter your monthly spend details to compare Scotiabank's credit card benefits and calculate your rewards.

Choose the right credit option for you

Tell us about your spending and borrowing needs and we'll help you find the credit solution that's right for you.

Manage your card

Do more with your card, helpful resources.

Compared to other consumer credit cards publicly offered by Canadian Schedule 1 banks as of March 3, 2023.

We do not charge any foreign currency conversion fees, only the exchange rate applies. See the Application Disclosure Statement, under "Foreign Currency Conversion Fees" section for full details.

Savings and reward potential in first 12 months based on the following card usage and offers:

$300  in travel rewards (30,000 bonus Scene+ points) when you spend $1,000 within your first 3 months; 

$100  in travel rewards (10,000 bonus Scene+ points)  when you spend $40,000 annually on your Account each year (12-months).

$150 primary card fee waiver for the first year;

$50  additional card fee waiver on your first additional card (including those issued to co-borrowers and supplementary cardholders) every year;

$104 in foreign transaction fee savings based on average first year annual foreign spend per account (save the 2.5% foreign transaction fee typically charged by other card issuers);

$287 in travel rewards (28,733 Scene+ points) on everyday purchases based on average annual first year spend per account with an average spend of 19% in 2x accelerator categories.

$350  value with a complimentary Visa Airport Companion Program Membership and 6 lounge passes (annual membership plus one free visit of approx. CAD$136/USD$99 plus 5 lounge passes at CDN$43/USD$31 per pass). Currency conversion as at November 9, 2023.

Potential First Year Value = up to $1,341

Actual savings and rewards earned will depend on individual card usage and eligibility for applicable offers. Conditions apply.

Offer Description and Conditions:  : The 30,000 Bonus Scene+ Points Offer and First Year Annual Fee Waiver (the “Offer”) applies only to new Scotiabank Passport Visa Infinite credit card accounts (“Accounts”) that are opened by July 1, 2024 subject to the conditions below.  We will waive the annual fee for the primary card issued before July 1, 2024 on the Account for the first year only. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers. 

Plus, as a Scotiabank Passport Visa Infinite credit cardholder you are always eligible to earn an annual 10,000 Scene+ point bonus when you spend at least $40,000 in everyday eligible purchases annually on your Scotiabank Passport Visa Infinite account. Conditions apply - see below for further details.

30,000 Bonus Scene+ Point Offer Description and Conditions:  To qualify for the 30,000 bonus Scene+ points (the “Bonus Offer”), you must have at least $1,000 in eligible purchases posted to your new Account within the first 3 months of the Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges. The 30,000 Bonus Offer points will be credited to the primary cardholder’s Scene+ account within approximately 2-3 business days following the qualifying $1,000 in eligible purchases being posted to your Account within 3 months from the Account open date, provided the Account is open and in good standing. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. Bonus Offer applies to new Accounts only opened by July 1, 2024.  All other terms and conditions of the Program Terms continue to apply during the Offer period.

10,000 Annual Bonus Scene+ Point Conditions:  As a Scotiabank Passport Visa Infinite credit cardholder you can earn an annual Scene+ point bonus starting at 10,000 Scene+ points when you make at least $40,000 in eligible purchases annually on your Account each year (12-months). Annual period starts from the Account open date and resets every 12 months thereafter. You will earn 2,000 bonus Scene+ points for every additional $10,000 in eligible purchases thereafter in that same year, after the $40,000 annual spend has been reached.  Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges.

The Annual bonus Scene+ points will be credited within approximately 2-3 business days after you have met the $40,000 annual spend threshold on the Account and within approximately 2-3 business days after you have met each additional $10,000 annual spend threshold on the Account, provided your Account is open and in good standing (as defined above). 

First Year Annual Fee Waiver Offer Description and Conditions: We will waive the annual fee for the primary card issued before July 1, 2024 on the Account for the first year only.

Offer Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer.

Rates and Fees:  The current annual fee is $150 for the primary card, $0 for the first additional card and $50 for each additional card thereafter (including those issued to co-borrowers and supplementary cardholders). The current preferred annual interest rates for this Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions). All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are  subject to change. 

You are awarded three (3) Scene+ Points for every eligible $1.00 purchase made at Sobeys, Safeway, IGA, Foodland, Foodland & Participating Co-ops, FreshCo, Chalo! FreshCo, Thrifty Foods, Rachelle Béry, Les Marchés, Voilà by Sobeys, Voilà by Safeway and Voilà par IGA locations charged and posted to the Scotiabank Passport Visa Infinite Account. This list of eligible grocers may be changed from time to time without notice. See full list of participating merchants across Canada at scotiabank.com/participatingstores . 

You are awarded two (2) Scene+ Points for every eligible $1.00 purchase on all other grocery (not listed above), dining, entertainment, and daily transit purchases charged and posted to the Scotiabank Passport Visa Infinite Account (the earn rates for each of the above categories and merchants are referred to as the “Accelerated Earn Rates”). See below for the Spend Threshold that applies to this Accelerated Earn Rate.

You are awarded one (1) Scene+ Point for every $1.00 in all other purchases of goods and services charged to the Scotiabank Passport Visa Infinite Account (the “Regular Earn Rate”). 

Spend Threshold for the Accelerated Earn Rate (Scotiabank Passport Visa Infinite Accounts only):

You will earn the Accelerated Earn Rate on the first $50,000 in purchases made on your Scotiabank Passport Visa Infinite account (the “Account”) annually at the following: purchases made at merchants classified in the Visa credit card network as: Grocery Stores and Supermarkets; Eating Places and Restaurants, Drinking Places, Fast Food Restaurants; Entertainment including Motion Picture Theatres, Theatrical Producers, Ticket Agencies, Bands, Orchestras, Miscellaneous Entertainers; Railroads, Local and Suburban Commuter Passenger Transportation, including Ferries, Passenger Railways, Taxicabs and Limousines, Bus Lines, Transportation Services (Not Elsewhere Classified). Some merchants may sell other products/services or are separate merchants who are located on the premises of these merchants, but are classified by the credit card network in another manner, in which case this added benefit would not apply. The annual spend calculation for the $50,000 maximum threshold is calculated annually from January 1st to December 31st each year. You will earn 1 point per $1 on purchases made on the Account after the 2 points per $1 / $50,000 annual spend maximum is reached and on all other purchases made on the Account. Scene+ points are only awarded on purchases. Scene+ points are not awarded for cash advances, balance transfers, Scotia® Credit Card Cheques, payments, returns, refunds or other similar credits, fees or interest or other charges. All dollar amounts are in Canadian currency unless otherwise stated.

The primary cardmember and/or co-borrower are liable for all charges incurred on the Scotiabank credit card account by any supplementary card issued in connection with the account.

The Scene+ Travel website and call center are owned and operated by Expedia Group, a third-party travel service provider (the “Scene+ Travel Partner”). To earn or redeem Points, travel must be booked through the Scene+ Travel website or Scene+ Travel call centre. Travel booked via the Scene+ Travel call centre may be subject to a booking fee. Prices are in Canadian dollars unless otherwise specified. Prices and points requirement are available on the website, and subject to change.  The Scene+ Travel Partner may impose terms and conditions that supplement the ‘Additional Terms and Conditions for Scene+ Travel’ included in the Scene+ Program Terms and Conditions. Scene LP and its owners are not responsible for the products and services made available to you by third parties.

Earning Scene+ Points for Scene+ Travel purchases:   Scene+ points are earned on eligible travel purchases made through Scene+ Travel website or call centre (collectively “Scene+ Travel)”. Scene+ Points are only earned on the total value of hotel or car rental booking purchases (excluding taxes and fees) made through Scene+ Travel  regardless of the payment method used for the purchase (Scene+ points redemption and/or payment card purchases). Points earned will be added to your Scene+ account within six weeks from the completion of your travel itinerary.

Paying for your eligible Scene+ Travel purchase:   Points may be redeemed for the entire amount of the hotel or car rental booking purchases (including taxes and fees), or redeemed in part with the remaining balance paid by an available payment card.

Under all insurance coverages or services, certain limitations, restrictions and exclusions apply, including a pre-existing condition exclusion for certain benefits. Please see the Certificates of Insurance for full coverage details. Coverages are underwritten by The Manufacturers Life Insurance Company and its wholly owned subsidiary First North American Insurance Company. The Bank of Nova Scotia is not an insurer. All insurance claims must be forwarded to the insurance providers.

For current rates and information on fees and interest cost, call 1-888-882-8958. Interest rates, annual fees and features are subject to change without notice. Learn more about  credit card fees  and  interest rates  .

Apply Points to Travel redemptions are only permitted towards an eligible travel purchase charged to a Scotiabank credit card or debit card that earns Scene+ Points. Redemptions must be requested through sceneplus.ca or the Scene+ app within 12 months of the travel purchase transaction date. Minimum Scene+ Point redemption thresholds apply. For full terms and conditions, click here .

The savings of up to 25% applies to Avis base rates and is applicable only to the time and mileage charges of the rental. All taxes, fees (including but not limited Air Conditioning Excise Recovery Fee, Concession Recovery Fee, Vehicle License Recovery Fee, Energy Recovery Fee, Tire Management Fee, and Frequent Traveler Fee) and surcharges (including but not limited to Customer Facility Charge and Environmental Fee Recovery Charge) are extra. Avis Preferred Plus membership and services are provided by a third party. The Bank of Nova Scotia and its affiliates are not responsible for Avis Preferred Plus membership and services.

You must be an eligible Visa Infinite Cardholder with a valid Visa Infinite Card to take advantage of the Visa Infinite benefits and services. Discounts and benefits are non-transferable and discounts cannot be combined with any other offer or discount. Visa reserves the right to modify or cancel offers at any time and without notice. Neither Visa nor the Issuer is responsible for any claims or damages arising from use of any benefits or services provided by a third party. All offers, benefits and services are subject to complete terms and conditions, including third party suppliers’ terms and conditions (available at www.visainfinite.ca/infinite/terms.jsp). The Visa Infinite privacy policy (available at www.visainfinite.ca/infinite/privacy.jsp) applies to all benefits and services that require enrolment through, or are otherwise provided by, the Visa Infinite Concierge or the Visa Infinite website. The collection, use and disclosure of Cardholders’ personal information by third party suppliers of services and benefits to Visa Infinite Cardholders are subject to such third parties’ own privacy policies.

Terms and conditions apply. See the Scene+ program terms and conditions for full details.

Primary Cardholders with a valid Scotiabank Passport Visa Infinite Card account (the “Account”) have access to participating lounges within the Visa Airport Companion Program (“Program”), hosted and managed by DragonPass International Ltd. Cardholders must enroll for this benefit either through the Visa Airport Companion App (available to download for free) or on the Program Website ( visaairportcompanion.ca ) using a valid Card on the Account. Upon enrollment, 6 complimentary lounge visits will be available for the Primary Cardholder per membership year; the complimentary visits can be used by any Cardholder for themselves and for their accompanying guests at participating lounges (however, Primary Cardholder must be present for each such use).  Lounge visits are counted on a per person per visit basis (e.g. lounge access by a Cardholder and one accompanying guest will count as two (2) visits). All additional visits beyond complimentary visits are subject to a fee of $32 USD (subject to change) per person per visit. Applicable lounge access fees will be charged to the Card connected to the Cardholders’ Program membership (i.e. the Card enrolled in Program).

To view a full list of participating airport lounges, their facilities, opening times and restrictions Cardholders can visit the Program App and Website . To view the full Terms and Conditions for the Program, including DragonPass Terms of Use and Privacy Policy and Visa’s Privacy Policy that apply to the Program, visit the Visa Airport Companion Program App or Website . 

The Program services and benefits are provided by DragonPass and applicable third party offer providers and neither Visa nor The Bank of Nova Scotia is responsible for the Program or any claims or damages arising from participation in the Program.

Unless the Program membership is suspended or cancelled, the Program membership and any included complimentary lounge visits (if applicable) will automatically renew annually on the anniversary date (based on date when the Cardholder enrolled for the Program). Program membership will be cancelled if your Scotiabank Passport Visa Infinite Card is cancelled. If your Scotiabank Passport Visa Infinite Card is renewed or replaced, remember to update your card details within the Visa Airport Companion Program (either on the App or on the Program Website ).

Access upon presentation of a valid and enrolled Scotiabank Passport Visa Infinite Card, while available in most lounges within the Visa Airport Companion Program, is subject to availability.

Concierge Service provided by a duly licensed third-party premium concierge provider: AXA Assistance USA, Inc.

Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see  https://support.apple.com/km207105

All Scotiabank retail credit cards, except ScotiaLine Visa Card, Scotiabank Value Visa Card, and No-Fee Scotiabank Value Visa Card, will have Visa payWave when issued or reissued. Visa payWave™ is a Trademark of Visa Int./Lic. User.

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So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .

Best COVID-19 Travel Insurance in April 2024

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

Factors we considered when picking travel insurance that covers COVID

An overview of the best travel insurance for covid , top travel insurance for covid options , additional resources for covid-19 travel insurance shoppers.

No matter how well you prepare, travel plans don’t always go as expected. Some travelers buy travel insurance to protect their investment in prepaid travel costs. Amid the ongoing pandemic, exploring travel insurance with COVID-19 coverage is recommended. With the right policy, you can protect yourself if you need to cancel your trip or end it early due to illness. Many insurers offer travel insurance policies with this kind of coverage. 

This is the shortlist of the best travel insurance for COVID options: 

Berkshire Hathaway Travel Protection . 

John Hancock Insurance Agency, Inc.  

Seven Corners . 

Travelex Insurance Services . 

Travel Insured International . 

WorldTrips . 

We used the following factors to choose insurance providers to highlight in our best travel insurance for COVID list: 

Range of coverage: We looked at how many plans each company offered with COVID-19 coverage, plus the range of available plans. 

Depth of coverage: We compared the maximum caps for trip cancellation and trip interruption claims between carriers and plans.

Medical benefits: We examined whether plans included emergency medical benefits for COVID-19 reasons and whether plans included medical evacuation and repatriation benefits. 

Cost: We determined an average cost for shoppers to benchmark plan prices by looking at the basic coverage costs for plans with COVID-19 benefits across multiple companies.

We looked at quotes from various companies for a six-night trip in May 2023 to Croatia. The traveler was 30 years old, from Texas and planned to spend $1,500 on the trip, including airfare.

On average, the price of each company’s most basic coverage plan with COVID-19 coverage was $47.22. The prices listed below are for the most basic COVID-19 travel insurance coverage. All insurers offer multiple COVID-19 policies with greater coverage coming at a higher cost. 

Let's take a closer look at our eight recommendations for travel insurance with COVID coverage: 

Berkshire Hathaway Travel Protection

What makes Berkshire Hathaway Travel Protection great:

Several plans allow policyholders to cancel for COVID-19 sickness as part of trip cancellation and trip interruption insurance benefits. 

Several plans include COVID-19 medical coverage benefits.

Medical evacuation benefits are included in these plans. 

Plans include limited sports and activities coverage and sports equipment loss benefits. 

Basic Berkshire Hathaway Travel Protection will run you $50 for an ExactCare Value policy, the company’s most basic COVID-19 travel insurance coverage option.

What makes IMG great:

Many plans include COVID-19 cancellation benefits.

Most of these plans also include COVID-19 medical benefits (the Travel Essentials plan doesn’t include this). 

Medical evacuation coverage is available on select plans. 

Coverage for adventure travel is available for an extra cost. 

IMG is a good option for the budget-minded: Its Travel Essential plans cost more than $10 less than average based on our comparison. 

John Hancock Insurance Agency, Inc. 

What makes John Hancock Insurance Agency great:

Multiple plans offer COVID-19 cancellation benefits as part of the included trip interruption and trip cancellation coverage. 

These plans offer COVID-19 medical benefits.

Medical evacuation coverage is included in all COVID-19 coverage plans. 

The John Hancock Insurance Agency, Inc. basic plan (Bronze) costs $56. 

Seven Corners

What makes Seven Corners great:

Multiple plans offer COVID-19 cancellation benefits as part of the included trip interruption and trip cancelation coverage. 

These plans include COVID-19 medical benefits and evacuation and repatriation benefits.

There is no medical deductible. 

Seven Corners’ basic coverage plan (RoundTrip Basic) for our trip to Croatia costs $44.

Travelex Insurance Services

What makes Travelex Insurance Services great:

Multiple plans include Covid-19 sickness coverage, which reimburses prepaid and nonrefundable trip payments if a trip is canceled or interrupted due to a traveler contracting the virus.

These plans also include COVID-19 medical benefits.

Medical evacuation and repatriation benefits are included. 

Basic coverage (Travel Basic) from Travelex Insurance Services costs $44 for our sample trip, which is slightly cheaper than average. 

Travel Insured International

What makes Travel Insured International great:

Multiple plans cover COVID-19 cancellation benefits as part of the included trip interruption and trip cancelation coverage. 

These plans also include COVID-19 medical benefits, including medical evacuation. 

Limited sports and activities coverage is included in plans with COVID-19 coverage. 

Travel Insured International's basic coverage (Worldwide Trip Protector Edge) begins at $55 — only a few dollars more than the average basic policy price. 

What makes Tin Leg great:

A wide range of plans offer COVID-19 cancellation benefits as part of the included trip interruption and trip cancelation coverage. 

All of these plans also include COVID-19 medical benefits. 

All of these include medical evacuation benefits. 

An adventure travel policy is available. 

Another plus: Tin Leg’s basic coverage plan (Basic) for our trip to Croatia costs $48.85 — making it right around the average price for the policies we covered. 

WorldTrips 

What makes WorldTrips great:

Several plans include medical coverage for COVID-19. 

Sports and activities and sports equipment loss are included. 

Coverage can be extended for up to thirty days, including for medical quarantine purposes. 

WorldTrips’ most affordable plan with COVID-19 coverage (Atlas Journey Economy) starts at $44, making it a low-cost option. 

Do you want to learn more about travel insurance before you spend money on a policy? Take a look at these resources: 

What is travel insurance?  

What does travel insurance cover? 

The best travel insurance companies 

How to find the right travel insurance for you

10 credit cards that provide travel insurance

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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What You Need to Know Now About Travel Insurance

A spate of new travel insurance policies have begun covering Covid-19, just as many international destinations begin to require it. Here’s what to look for.

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By Elaine Glusac

When the pandemic struck, many travel insurance policies failed to cover Covid-19-related trip interruptions and cancellations, often because they excluded pandemics. But in the intervening months, the travel insurance industry has introduced a spate of new policies covering the disease just as many foreign destinations begin to require them.

“We’ve seen progress in that many plans will now treat Covid like any other unexpected sickness or illness,” said Stan Sandberg, a co-founder of the comparison website Travelinsurance.com . “If you have a trip and travel insurance and came down with Covid-19, which made it impossible to travel, that would fall under cancellation coverage as an unexpected illness that prevents you from traveling.”

Likewise, policies now including Covid-19 would cover holders in the event that a doctor diagnosed them with the virus while traveling under the trip interruption benefit.

Not all travel insurance excluded pandemics when the coronavirus began to spread early this year; Berkshire Hathaway Travel Protection was one exception. But the broader change partially arises from consumer demand, a better understanding of the virus — including mortality rates and hospital costs — and the industry’s eagerness for travel to resume.

“People who are traveling are more conscious of their risks and thinking about protecting themselves and their investment,” said Jeremy Murchland, the president of the travel insurer Seven Corners. The company launched policies that included Covid-19 coverage in June; they now account for more than 80 percent of sales.

But, like all insurance, the devil is in the details when it comes to understanding travel insurance, including what’s covered, destinations where it’s required, and the inevitable caveats, as follows.

How travel insurance covers Covid-19

The new Covid-inclusive insurance generally covers travelers from the day after purchase until their return home. During that period, if you become sick and a doctor determines you cannot travel (because of the virus or another illness), trip cancellation and trip interruption benefits would kick in.

These benefits vary by policy, but a search to insure a $2,000 weeklong trip to Costa Rica in December on Travelinsurance.com turned up a $69.75 Generali Global Assistance Standard policy with Covid-19 benefits that would be triggered if you, your host at your destination, a travel companion or a family member tested positive for the virus.

If this happened before your departure, the policy would cover your prepaid travel expenses. If you or your travel companion contracted Covid-19 during the trip and were diagnosed by a physician, it would reimburse prepaid arrangements, such as lodgings, and cover additional airfare to return home — once a doctor deems it safe to travel — up to $2,500. Should you be required to quarantine and can’t travel, travel delay coverage for lodging, meals and local transportation would pay up to $1,000. The policy also covers medical expenses for up to one year, even after you return home, up to $50,000 — though the policy also states that a holder would have to exhaust their own health insurance benefits before seeking coverage under the travel insurance plan.

Travelers should read these policies carefully to understand the benefits (for example, some rules vary by your state of residence), but brokers like TravelInsurance.com, InsureMyTrip and Squaremouth are making them easier to find through filters, F.A.Q.s and flags.

The new more comprehensive policies don’t necessarily cost more. On a Squaremouth search for insurance for two 40-year-olds on a two-week trip costing $5,000, the site turned up a variety of policies with or without coronavirus exclusions from $130 to $300, with no apparent premium for Covid-19 coverage.

Not every Covid-19-related expense is covered by many of these policies, including tests for the virus that many destinations require before arrival (those may be covered by private insurance).

Many policies include medical evacuation to a nearby facility, but won’t necessarily transport you home. For those concerned about treatment abroad, Medjet , a medical evacuation specialist, now offers Covid-19-related evacuations in the 48 contiguous United States, Canada, Mexico and the Caribbean that will transport you to the hospital of your choice in your home country (trip coverage starts at $99; annual memberships start at $189).

“Covid-19 requires special transport pods to protect the crew and others, which adds logistical issues,” said John Gobbels, the vice president and chief operating officer for Medjet.

In addition to the Medjet plan, travelers would need separate travel insurance with medical benefits to cover treatment costs and trip interruption.

Destination insurance requirements

Travelers aren’t the only ones worried about health. A growing list of countries are mandating medical coverage for Covid-19 as a prerequisite for visiting, often along with other measures like pre-trip virus testing and health screenings for symptoms on arrival.

Many Caribbean islands are among those requiring travel medical insurance, including Turks and Caicos and the Bahamas . St. Maarten requires health insurance coverage and strongly recommends additional travel insurance covering Covid-19.

Farther-flung countries also require policies that cover Covid-19, including French Polynesia and the Maldives .

Some destinations specify the required plan as a way to ensure travelers have the correct coverage and to expedite treatment. Aruba requires visitors to buy its Aruba Visitors Insurance, regardless of any other plans you may have.

“Insurance through a destination typically only covers Covid and infection while you’re there,” said Kasara Barto, a spokeswoman for Squaremouth.com. “If you catch Covid before, they don’t offer cancellation coverage. If you break a leg, the policy may only cover Covid medication. It varies by country.”

Costa Rica also requires insurance that includes an unusual benefit stipulating a policy cover up to $2,000 in expenses for a potential Covid-19 quarantine while in the country.

In response to the new requirement, which Costa Rica announced in October, insurers, including Trawick International , have begun introducing policies that meet the standard.

“It was a pretty quick and nimble reaction,” Mr. Sandberg of TravelInsurance.com said.

Normally, travel insurance varies by factors including the age of the traveler, destination, trip length and cost (most range from 4 to 10 percent of the trip cost). But some destinations are providing it at a flat fee, with most policies spelling out coverage limits and terms for emergency medical services, evacuation and costs associated with quarantines.

Jamaica, which will require insurance, but has not said when the new rule will go into effect, plans to charge $40 for each traveler. The Bahamas will include the insurance in the cost of its Travel Health Visa, an application that requires negative Covid-19 test results, which runs $40 to $60 depending on length of stay (free for children 10 and younger). The Turks and Caicos is offering a policy for $9.80 a day, and Costa Rica ’s policies, if purchased locally, cost roughly $10 a day.

Expect this list of destinations to grow. In January, the Spanish region of Andalusia plans to require travel medical insurance and is working on finding a provider to make it easy for travelers to buy it.

Gaps in travel insurance

Policies that cover Covid-19 as a medical event that may cause trip cancellation or disruption, or those that provide coverage for medical treatment and evacuation still don’t necessarily cover travelers who have a change of heart when they learn they will have to quarantine upon arrival, even if they don’t have the virus. Nor are policies necessarily tied to conditions on the ground, like a spike in infections, State Department travel warnings, a government travel ban or the cessation of flights to and from a destination.

For those events, there’s Cancel For Any Reason, or CFAR, an upgrade to plans that generally only returns 50 to 75 percent of your nonrefundable trip costs.

“Prior to the pandemic, we wouldn’t necessarily recommend CFAR because most of travelers’ concerns were covered by standard plans,” Ms. Barto of Squaremouth.com said. “It’s about 40 percent more expensive and we didn’t want travelers to pay for additional coverage.” Now, she added, there’s been a surge in interest in the upgrade, including in 22 percent of policies sold at the site since mid-March.

Industry experts predict some of these outstanding issues may work their way into policies of the future as they adapt to enduring realities, much as they did after 9/11 in covering travelers in case of terrorist events, which was not the norm before.

The pandemic “was unprecedented, but once it happened, the industry has been pretty quick to react and create coverage, and that’s in the spirit of how this industry is trying to define itself, to be one of those subtle but valuable assets,” Mr. Sandberg said. “Once the world opens back up, we expect travel insurance to be much more top of mind with travelers.”

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