Changes to insurance coverages on select American Express® cards

EFFECTIVE AUGUST 1, 2019

Following the important changes to your Certificate of Insurance outlined in the Notice of Change document that was communicated to you in May 2019, below is a summary of all changes being made to the following insurance coverages, underwritten by Royal & Sun Alliance Insurance Company of Canada.

As of August 1, 2019, if you would like a copy of your new Certificate of Insurance, you may download a copy from www.americanexpress.ca/myinsurance or contact the number on the back of your Card should you wish to receive a printed copy. Note: If you hold a Centurion Card, a Platinum Credit Card or a ChoicePlus Card and you wish to receive a printed copy of your new Certificate of Insurance, you must contact the number on the back of your Card (not available for download).

Please refer to the Cards and Coverages section below to determine which of the insurance coverages listed here are applicable to your Card.

Cards and Coverages

The Centurion Card:

EMI, TCTI, FBD/HBI, LSB, CRTD, CRPE, BA, PPP

The Platinum Card:

EMI, TCTI, FBD/HBI, LSB, CRTD, BA, PPP

Gold Rewards Card:

EMI, TI, FBD/HBI, LSB, CRTD, BA, PPP

American Express Cobalt Card:

EMI, FBD/HBI, LSB, CRTD, BA, PPP

AeroplanPlus Reserve Card:

EMI, TCTI, FBD/HBI, LSB, CRTD, BA, PPP

AeroplanPlus Platinum Card:

EMI, TCTI, FBD/HBI, LSB, CRTD, BA, PPP

AeroplanPlus Gold Card:

FBD/HBI, LSB, CRTD, BA, PPP

AeroplanPlus Card:

BA, PPP

AIR MILES Reserve Credit Card:

EMI, FBD/HBI, LSB, CRTD, BA, PPP

AIR MILES Platinum Credit Card:

CRTD, BA, PPP

AIR MILES Credit Card:

BA, PPP

Marriott Bonvoy Card:

FBD/HBI, LSB, CRTD, BA, PPP

SimplyCash Preferred Card:

EMI, FBD/HBI, LSB, CRTD, BA, PPP

SimplyCash Card:

BA, PPP

The Essential Credit Card:

BA, PPP

American Express Card:

BA, PPP

Platinum Credit Card:

BA, PPP

ChoicePlus Card:

BA, PPP

Business Platinum Card:

EMI, TCTI, FBD/HBI, LSB, CRTD, BA, PPP
Summary of Coverage Changes
Out of Province/Country Emergency Medical Insurance† (herein referred to as "EMI")
(Group Policy No. PSI047257741)
Additions to Important Notices

Coverage is only available if you are a resident of Canada.

The basic Cardmember is responsible for this insurance coverage, including coverage bound by any purchases made by a supplementary Cardmember below the age of majority.

New definitions

Accommodation - means an establishment providing commercial accommodations or in the business of operating a vacation rental marketplace and hospitality service for the general public.

Basic Cardmember - means the person in whose name Amex Bank of Canada has opened a Card account and does not include a supplementary Cardmember, provided always that the basic Cardmember’s Card account privileges have not expired, been revoked, terminated or suspended.

Ridesharing services - mean transportation network companies in the business of providing peer-to-peer ridesharing transportation services through digital networks or other electronic means for the general public.

Updated definitions

Dependent child(ren) - means an unmarried natural, adopted, step or foster child of the Cardmember or his or her spouse who is, on the effective date, at least 15 days old, dependent on the Cardmember, or his or her spouse for support and:

  • is under 21 years of age;
  • is a full-time student who is under 25 years of age; or
  • has a permanent physical impairment or a permanent mental disability.

Departure point - the place from which you depart your Canadian province or territory of permanent residence on the first day, and return to on the last day of your intended trip.

Insured person - means any of the following persons who are under 65 years of age on the effective date and who have a valid government health insurance plan: the Cardmember, the Cardmember’s spouse, or the Cardmember’s dependent child.
(Note:Not applicable to The Centurion Card)

Insured person - means any of the following persons who have a valid government health insurance plan: the Cardmember, the Cardmember’s spouse, or the Cardmember’s dependent child.
(Note: Applicable to The Centurion Card)

Spouse - the person who is legally married to the Cardmember, or has been living in a conjugal relationship with the Cardmember for a continuous period of at least one year and who resides in the same household.

Removal of definition

Mental or emotional disorders

Removal of age requirement from coverage end date

Coverage ends on the earliest of:
1. the date the insured person attains 65 years of age;

Updates to benefit information

Return to your Departure Point

If the physician treating you recommends to us in writing that you return to your departure point because of your medical condition in order to receive emergency medical attention, or if the Insurer determines that you are able to and recommends that you return to your departure point, this insurance covers you for one or more of the following, when pre-authorized and arranged by Global Excel, when medically essential:

....

Hospital & Medical Expenses

Local ground ambulance service (or local taxi fare or ridesharing services in lieu) to a hospital, physician or medical service provider in a medical emergency.

Updated exclusions
  • Routine pre-natal care.
  • If you are pregnant, your pregnancy or the birth and delivery of your child, or any complications of either, occurring in the nine weeks before or after your expected delivery date as determined by your primary care physician in your province. Note that a child born during a trip, even if born outside of the nine weeks before or after the expected delivery date, shall not be regarded as an insured person and shall not have coverage under this certificate for the entire duration of the trip in which the child is born.
  • Your anxiety or panic attack or state of mental or emotional stress unless such state was sufficiently severe as to require a medical consultation.
  • Any medical condition you suffer or contract, or any loss you incur in a specific country, region or area for which the Government of Canada has issued a travel advisory or formal notice, before your effective date, advising travellers to avoid non-essential travel or to avoid all travel to that specific country, region or area. If the travel advisory or formal notice is issued after your effective date, your coverage under this insurance in that specific country, region or area will be limited to a period of 10 days from the date the travel advisory or formal notice was issued, or to a period that is reasonably necessary for you to safely evacuate the country, region or area.
Updated sports exclusion

Participation:

  • a)as a professional athlete in a sporting event including training or practice;
  • b)in any motorized race or motorized speed contest;
  • c)in scuba diving (unless you hold a basic SCUBA designation from a certified school or other licensing body), hang-gliding, rock climbing, paragliding, skydiving, parachuting, bungee jumping, mountain climbing, rodeo, heli-skiing, any downhill skiing or snowboarding outside marked trails or any cycling racing event or ski racing event.
Removal of arbitration clause in Other Claim Information

You and we agree that all disputes, controversies or claims arising under this insurance or otherwise in connection with this insurance, whether of law or fact and of any nature whatsoever including, but not limited to, all disputes or controversies related to determinations made under the insurance shall be decided by arbitration before a single arbitrator in the Canadian province or territory in which this insurance was issued under the rules embodied in the arbitration legislation of the Canadian province or territory in which this insurance was issued or, in the absence of such legislation, in the Commercial Arbitration Act, R.S.C. 1985, C.17 (second supp.), as amended. In any event, any action or arbitration proceeding against us for the recovery of a claim under this insurance shall not be commenced more than 1 year after the occurrence which gives rise to the claim. If, however, this limitation is invalid according to the laws of the Canadian province or territory where this insurance was issued, you must commence your action or arbitration proceeding within the shortest time limit permitted by the laws of that province or territory.

In addition, the venue of any action or arbitration proceeding shall only be in the province or territory where the insurance was issued. You, your heirs and assigns consent to the transfer of any action or arbitration proceeding to the province or territory where the insurance was issued and at a venue chosen by us and/or Global Excel.

Update to limitation periods information under General Conditions

Every action or proceeding against an insurer for the recovery of insurance money payable under the contract is absolutely barred unless commenced within the time set out in the Insurance Act (for actions or proceedings governed by the laws of British Columbia, Alberta and Manitoba), the Limitations Act, 2002 (for actions or proceedings governed by the laws of Ontario), Article 2925 of the Civil Code of Quebec (for actions or proceedings governed by the laws of Quebec), or other applicable legislation

Addition of sanctions clause to General Conditions

The Insurer is required to comply with economic, financial and trade sanctions ("Sanctions") imposed by Canada and may be required to comply with Sanctions imposed by the United States in certain circumstances. The Insurer is a member of the RSA Group whose principal insurance company in the United Kingdom is required to comply with Sanctions imposed by the European Union and the United Kingdom and the parties acknowledge that the Insurer intends to adhere to the same standard. Accordingly, the Insurer shall not provide any coverage or be liable to provide any indemnity or payment or other benefit under this certificate which would breach applicable Sanctions imposed under the laws of Canada, the European Union, the United Kingdom, or the United States.

Trip Cancellation & Trip Interruption Insurance† (herein referred to as "TCTI")
(Group Policy No. PSI047258485)
Additions to Important Notices

Coverage is only available if you are a resident of Canada.

The basic Cardmember is responsible for this insurance coverage, including coverage bound by any purchases made by a supplementary Cardmember below the age of majority.

New definitions

Accommodation - means an establishment providing commercial accommodations or in the business of operating a vacation rental marketplace and hospitality service for the general public.

Basic Cardmember - means the person in whose name Amex Bank of Canada has opened a Card account and does not include a supplementary Cardmember, provided always that the basic Cardmember’s Card account privileges have not expired, been revoked, terminated or suspended.

Common carrier - means any land, water, or air conveyance operated under a license for the transportation of passengers for hire and for which a ticket has been obtained. Common carrier does not include any conveyance that is hired or used for a sport, gamesmanship, contest, cruise and/or recreational activity, regardless of whether such conveyance is licensed. Rental vehicles are not considered common carriers.

Ridesharing services - mean transportation network companies in the business of providing peer-to-peer ridesharing transportation services through digital networks or other electronic means for the general public.

Updated definitions

Cardmember - means a holder of a valid Basic or Supplementary Card from American Express issued in Canada by Amex Bank of Canada.

Departure point - the place from which you depart your Canadian province or territory of permanent residence on the first day, and return to on the last day of your intended trip.

Dependent child(ren) - means an unmarried natural, adopted, step or foster child of the Cardmember or his or her spouse who is, on the effective date, at least 15 days old, dependent on the Cardmember, or his or her spouse for support and:

  • is under 21 years of age;
  • is a full-time student who is under 25 years of age; or
  • has a permanent physical impairment or a permanent mental disability.

Effective date - means the date and time any portion of the trip costs are first charged to the Card by the Cardmember and before any cancellation penalties have been incurred, or paid by redeeming points earned under the Card reward program provided any applicable taxes are charged to the Card. Note: Trips will not be covered for Trip Cancellation or Trip Interruption, if purchased with points from a reward program other than the Card reward program.

Insured person - means any of the following persons: the Cardmember, the Cardmember’s spouse, or the Cardmember’s dependent child.

Spouse - the person who is legally married to the Cardmember, or has been living in a conjugal relationship with the Cardmember for a continuous period of at least one year and who resides in the same household.

Trip - a period of travel outside your Canadian province or territory of residence for which:

  • a)There is a departure point and a destination; and
  • b)There are predetermined and recorded beginning and ending dates; and
  • c)Any portion of the prepaid travel arrangements was charged to the Cardmember’s Card prior to your departure.

Note: For trip cancellation coverage, only the prepaid travel arrangements charged to the Cardmember’s Card will be considered for reimbursement, up to the benefit maximum. Any expenses incurred using other payment sources will not be considered. For trip interruption/trip delay coverage, benefits are payable to you as long as any portion of the prepaid travel arrangements are charged to the Cardmember’s Card, up to the benefit maximum. This definition is extended to include a common carrier ticket or accommodations obtained through the redemption of points earned under the Card reward program.

Removal of definition

Mental or emotional disorders

Updated coverage start and end date information

This insurance provides coverage whenever any portion of the trip costs (before any cancellation penalties have been incurred), is paid with your Card or paid using points earned under the Card reward program, provided any applicable taxes are charged to the Card. Note: Trips will not be covered for Trip Cancellation or Trip Interruption, if purchased with points from a reward program other than the Card reward program.

Updates to insured risk #19

19. Delay of your common carrier, resulting from the mechanical failure of that carrier, a traffic accident, an emergency police-directed road closure, weather conditions, earthquakes or volcanic eruptions, causing you to miss a connection or resulting in the interruption of your travel arrangements.

New insured risk under Trip Interruption

Delay of your departure, resulting from the mechanical failure of your common carrier, a traffic accident, an emergency police-directed road closure, weather conditions, or grounding of your air transportation, causing you to miss your scheduled cruise or tour, and no alternative travel arrangements can be made for you to join the cruise or tour.

Updated Prepaid Travel Arrangements benefit information

Prepaid Travel Arrangements - Reimbursement to you of the expenses you actually incur as a result of one of the insured risks up to the sum insured for:

  1. The portion of your travel arrangements purchased before your departure date that are non-refundable and non-transferable to another date (not applicable if trip purchased with points from a reward program other than the Card reward program.
  2. The unused portion of your travel arrangements purchased before your departure date, that are non-refundable and non-transferable to another travel date (not applicable if trip purchased with points from a reward program other than the Card reward program). This does not include reimbursement for prepaid unused transportation back to your departure point.
  3. The unused portion of your travel arrangements purchased before your departure date that are non-refundable and non-transferable to another travel date (not applicable if trip purchased with points from a reward program other than the Card reward program).

Any credits provided by the airline or travel supplier for travel on another date, are considered transferable amounts and shall not be payable under this insurance.

Updated Out-of-Pocket Expenses benefit information

Out-of-pocket Expenses
Reimbursement of up to $100 per day per insured person for expenses incurred for accommodation, meals, telephone, taxi and ridesharing services, if your trip is interrupted or, if return home is delayed beyond the scheduled return date. This benefit is subject to a maximum of $1,000 for all insured person(s).
(Note: Applicable to AeroplanPlus Reserve Card, AeroplanPlus Platinum Card and The Business Platinum Card)

Out-of-pocket Expenses
Reimbursement of up to $500 per day per insured person for expenses incurred for accommodation, meals, telephone, taxi and ridesharing services, if your trip is interrupted or, if return home is delayed beyond the scheduled return date. This benefit is subject to a maximum of $3,000 for all insured person(s).
(Note: Applicable to The Centurion Card)

Out-of-pocket Expenses
Reimbursement of up to $250 per day per insured person for expenses incurred for accommodation, meals, telephone, taxi and ridesharing services, if your trip is interrupted or, if return home is delayed beyond the scheduled return date. This benefit is subject to a maximum of $1,000 for all insured person(s).
(Note: Applicable to The Platinum Card)

Updated exclusions
  • Routine pre-natal care.
  • If you are pregnant, your pregnancy or the birth and delivery of your child, or any complications of either, occurring in the nine weeks before or after your expected delivery date as determined by your primary care physician in your province. Note that a child born during a trip, even if born outside of the nine weeks before or after the expected delivery date, shall not be regarded as an insured person and shall not have coverage under this certificate for the entire duration of the trip in which the child is born.
  • Your anxiety or panic attack or state of mental or emotional stress unless such state was sufficiently severe as to require a medical consultation.
  • Any medical condition you suffer or contract, or any loss you incur in a specific country, region or area for which the Government of Canada has issued a travel advisory or formal notice, before your effective date, advising travellers to avoid non-essential travel or to avoid all travel to that specific country, region or area. If the travel advisory or formal notice is issued after your effective date, your coverage under this insurance in that specific country, region or area will be limited to a period of 10 days from the date the travel advisory or formal notice was issued, or to a period that is reasonably necessary for you to safely evacuate the country, region or area.
Updated sports exclusion Participation:
  • a)as a professional athlete in a sporting event including training or practice;
  • b)in any motorized race or motorized speed contest;
  • c)in scuba diving (unless you hold a basic SCUBA designation from a certified school or other licensing body), hang-gliding, rock climbing, paragliding, skydiving, parachuting, bungee jumping, mountain climbing, rodeo, heli-skiing, any downhill skiing or snowboarding outside marked trails or any cycling racing event or ski racing event.
Removal of arbitration clause in Other Claim Information

You and we agree that all disputes, controversies or claims arising under this insurance or otherwise in connection with this insurance, whether of law or fact and of any nature whatsoever including, but not limited to, all disputes or controversies related to determinations made under the insurance shall be decided by arbitration before a single arbitrator in the Canadian province or territory in which this insurance was issued under the rules embodied in the arbitration legislation of the Canadian province or territory in which this insurance was issued or, in the absence of such legislation, in the Commercial Arbitration Act, R.S.C. 1985, C.17 (second supp.), as amended. In any event, any action or arbitration proceeding against us for the recovery of a claim under this insurance shall not be commenced more than 1 year after the occurrence which gives rise to the claim. If, however, this limitation is invalid according to the laws of the Canadian province or territory where this insurance was issued, you must commence your action or arbitration proceeding within the shortest time limit permitted by the laws of that province or territory. In addition, the venue of any action or arbitration proceeding shall only be in the province or territory where the insurance was issued. You, your heirs and assigns consent to the transfer of any action or arbitration proceeding to the province or territory where the insurance was issued and at a venue chosen by us and/or Global Excel.

Update to limitation periods information under General Conditions

Every action or proceeding against an insurer for the recovery of insurance money payable under the contract is absolutely barred unless commenced within the time set out in the Insurance Act (for actions or proceedings governed by the laws of British Columbia, Alberta and Manitoba), the Limitations Act, 2002 (for actions or proceedings governed by the laws of Ontario), Article 2925 of the Civil Code of Quebec (for actions or proceedings governed by the laws of Quebec), or other applicable legislation.

Addition of sanctions clause to General Conditions

The Insurer is required to comply with economic, financial and trade sanctions ("Sanctions") imposed by Canada and may be required to comply with Sanctions imposed by the United States in certain circumstances. The Insurer is a member of the RSA Group whose principal insurance company in the United Kingdom is required to comply with Sanctions imposed by the European Union and the United Kingdom and the parties acknowledge that the Insurer intends to adhere to the same standard. Accordingly, the Insurer shall not provide any coverage or be liable to provide any indemnity or payment or other benefit under this certificate which would breach applicable Sanctions imposed under the laws of Canada, the European Union, the United Kingdom, or the United States.

Trip Interruption Insurance (herein referred to as "TI")
(Group Policy No. PSI047257709)
Additions to Important Notices

Coverage is only available if you are a resident of Canada.

The basic Cardmember is responsible for this insurance coverage, including coverage bound by any purchases made by a supplementary Cardmember below the age of majority.

New definitions

Accommodation - means an establishment providing commercial accommodations or in the business of operating a vacation rental marketplace and hospitality service for the general public.

Basic Cardmember - means the person in whose name Amex Bank of Canada has opened a Card account and does not include a supplementary Cardmember, provided always that the basic Cardmember’s Card account privileges have not expired, been revoked, terminated or suspended.

Common carrier - means any land, water, or air conveyance operated under a license for the transportation of passengers for hire and for which a ticket has been obtained. Common carrier does not include any conveyance that is hired or used for a sport, gamesmanship, contest, cruise and/or recreational activity, regardless of whether such conveyance is licensed. Rental vehicles are not considered common carriers.

Ridesharing services - mean transportation network companies in the business of providing peer-to-peer ridesharing transportation services through digital networks or other electronic means for the general public.

Updated definitions

Cardmember - means a holder of a valid Basic or Supplementary Card from American Express issued in Canada by Amex Bank of Canada.

Departure point - the place from which you depart your Canadian province or territory of permanent residence on the first day, and return to on the last day of your intended trip.

Dependent child(ren) - means an unmarried natural, adopted, step or foster child of the Cardmember or his or her spouse who is, on the effective date, at least 15 days old, dependent on the Cardmember, or his or her spouse for support and:

  • is under 21 years of age;
  • is a full-time student who is under 25 years of age; or
  • has a permanent physical impairment or a permanent mental disability.

Effective date - means the date and time any portion of the trip costs are first charged to the Card by the Cardmember and before any cancellation penalties have been incurred, or paid by redeeming points earned under the Card reward program provided any applicable taxes are charged to the Card. Note: Trips will not be covered for Trip Interruption, if purchased with points from a reward program other than the Card reward program.

Insured person - means any of the following persons: the Cardmember, the Cardmember’s spouse, or the Cardmember’s dependent child.

Spouse - the person who is legally married to the Cardmember, or has been living in a conjugal relationship with the Cardmember for a continuous period of at least one year and who resides in the same household.

Trip - a period of travel outside your Canadian province or territory of residence for which:

  • a)There is a departure point and a destination; and
  • b)There are predetermined and recorded beginning and ending dates; and
  • c)Any portion of the prepaid travel arrangements was charged to the Cardmember’s Card prior to your departure.

Note: For trip interruption/trip delay coverage, benefits are payable to you as long as any portion of the prepaid travel arrangements are charged to the Cardmember’s Card, up to the benefit maximum. This definition is extended to include a common carrier ticket or accommodations obtained through the redemption of points earned under the Card reward program.

Removal of definition

Mental or emotional disorders

Updated coverage start and end date information

This insurance provides coverage whenever any portion of the trip costs (before any cancellation penalties have been incurred), is paid with your Card or paid using points earned under the Card reward program, provided any applicable taxes are charged to the Card. Note: Trips will not be covered for Trip Interruption, if purchased with points from a reward program other than the Card reward program.

Updates to insured risk #19

19. Delay of your common carrier, resulting from the mechanical failure of that carrier, a traffic accident, an emergency police-directed road closure, weather conditions, earthquakes or volcanic eruptions, causing you to miss a connection or resulting in the interruption of your travel arrangements.

New insured risk under Trip Interruption

Delay of your departure, resulting from the mechanical failure of your common carrier, a traffic accident, an emergency police-directed road closure, weather conditions, or grounding of your air transportation, causing you to miss your scheduled cruise or tour, and no alternative travel arrangements can be made for you to join the cruise or tour.

Updated Prepaid Travel Arrangements benefit information

Prepaid Travel Arrangements - Reimbursement to you of the expenses you actually incur as a result of one of the insured risks up to the sum insured for:

  1. The unused portion of your travel arrangements purchased before your departure date, that are non-refundable and non-transferable to another travel date (not applicable if trip purchased with points from a reward program other than the Card reward program). This does not include reimbursement for prepaid unused transportation back to your departure point.
  2. The unused portion of your travel arrangements purchased before your departure date that are non-refundable and non-transferable to another travel date (not applicable if trip purchased with points from a reward program other than the Card reward program).
    Any credits provided by the airline or travel supplier for travel on another date, are considered transferable amounts and shall not be payable under this insurance.
    (Note: Applicable to the Gold Rewards Card)

Out-of-pocket Expenses
Reimbursement of up to $100 per day per insured person for expenses incurred for accommodation, meals, telephone, taxi and ridesharing services, if your trip is interrupted or, if return home is delayed beyond the scheduled return date. This benefit is subject to a maximum of $1,000 for all insured person(s).
(Note: Applicable to the Gold Rewards Card)

Updated exclusions
  • Routine pre-natal care.
  • If you are pregnant, your pregnancy or the birth and delivery of your child, or any complications of either, occurring in the nine weeks before or after your expected delivery date as determined by your primary care physician in your province. Note that a child born during a trip, even if born outside of the nine weeks before or after the expected delivery date, shall not be regarded as an insured person and shall not have coverage under this certificate for the entire duration of the trip in which the child is born.
  • Your anxiety or panic attack or state of mental or emotional stress unless such state was sufficiently severe as to require a medical consultation.
  • Any medical condition you suffer or contract, or any loss you incur in a specific country, region or area for which the Government of Canada has issued a travel advisory or formal notice, before your effective date, advising travellers to avoid non-essential travel or to avoid all travel to that specific country, region or area. If the travel advisory or formal notice is issued after your effective date, your coverage under this insurance in that specific country, region or area will be limited to a period of 10 days from the date the travel advisory or formal notice was issued, or to a period that is reasonably necessary for you to safely evacuate the country, region or area.
Updated sports exclusion

Participation:

  • a)as a professional athlete in a sporting event including training or practice;
  • b)in any motorized race or motorized speed contest;
  • c)in scuba diving (unless you hold a basic SCUBA designation from a certified school or other licensing body), hang-gliding, rock climbing, paragliding, skydiving, parachuting, bungee jumping, mountain climbing, rodeo, heli-skiing, any downhill skiing or snowboarding outside marked trails or any cycling racing event or ski racing event.
Removal of arbitration clause in Other Claim Information

You and we agree that all disputes, controversies or claims arising under this insurance or otherwise in connection with this insurance, whether of law or fact and of any nature whatsoever including, but not limited to, all disputes or controversies related to determinations made under the insurance shall be decided by arbitration before a single arbitrator in the Canadian province or territory in which this insurance was issued under the rules embodied in the arbitration legislation of the Canadian province or territory in which this insurance was issued or, in the absence of such legislation, in the Commercial Arbitration Act, R.S.C. 1985, C.17 (second supp.), as amended. In any event, any action or arbitration proceeding against us for the recovery of a claim under this insurance shall not be commenced more than 1 year after the occurrence which gives rise to the claim. If, however, this limitation is invalid according to the laws of the Canadian province or territory where this insurance was issued, you must commence your action or arbitration proceeding within the shortest time limit permitted by the laws of that province or territory.
In addition, the venue of any action or arbitration proceeding shall only be in the province or territory where the insurance was issued. You, your heirs and assigns consent to the transfer of any action or arbitration proceeding to the province or territory where the insurance was issued and at a venue chosen by us and/or Global Excel.

Update to limitation periods information under General Conditions

Every action or proceeding against an insurer for the recovery of insurance money payable under the contract is absolutely barred unless commenced within the time set out in the Insurance Act (for actions or proceedings governed by the laws of British Columbia, Alberta and Manitoba), the Limitations Act, 2002 (for actions or proceedings governed by the laws of Ontario), Article 2925 of the Civil Code of Quebec (for actions or proceedings governed by the laws of Quebec), or other applicable legislation

Addition of sanctions clause to General Conditions

The Insurer is required to comply with economic, financial and trade sanctions ("Sanctions") imposed by Canada and may be required to comply with Sanctions imposed by the United States in certain circumstances. The Insurer is a member of the RSA Group whose principal insurance company in the United Kingdom is required to comply with Sanctions imposed by the European Union and the United Kingdom and the parties acknowledge that the Insurer intends to adhere to the same standard. Accordingly, the Insurer shall not provide any coverage or be liable to provide any indemnity or payment or other benefit under this certificate which would breach applicable Sanctions imposed under the laws of Canada, the European Union, the United Kingdom, or the United States.

Flight and Baggage Delay and Hotel Burglary Insurance† (herein referred to as "FBD" and "HBI" respectively)
(Group Policy No. PSI047258505)
Additions to Important Notices

Coverage is only available if you are a resident of Canada.

The basic Cardmember is responsible for this insurance coverage, including coverage bound by any purchases made by a supplementary Cardmember below the age of majority.

New definitions

Accommodation - means an establishment providing commercial accommodations or in the business of operating a vacation rental marketplace and hospitality service for the general public.

Basic Cardmember - means the person in whose name Amex Bank of Canada has opened a Card account and does not include a supplementary Cardmember, provided always that the basic Cardmember’s Card account privileges have not expired, been revoked, terminated or suspended.

Ridesharing services - mean transportation network companies in the business of providing peer-to-peer ridesharing transportation services through digital networks or other electronic means for the general public.

Supplementary Cardmember – means an authorized user of the Card account.

Updated definitions

Cardmember - means a holder of a valid Basic or Supplementary Card from American Express issued in Canada by Amex Bank of Canada.

Dependent child(ren) - means an unmarried natural, adopted, step or foster child of the Cardmember or his or her spouse who is, on the date the full fare is charged to the Card, at least 15 days old, dependent on the Cardmember, or his or her spouse for support and:

  • is under 21 years of age;
  • is a full-time student who is under 25 years of age; or
  • has a permanent physical impairment or a permanent mental disability.

Full Fare - means 100% of the airline ticket price or the cost of the accommodations, including taxes, was charged to the Card. Full fare is extended to include airline tickets obtained through the redemption of points from the Card reward program when applicable taxes have been charged to the Card. Full fare is also extended to include accommodations obtained through the redemption of points from the Card reward program. Note: There is no coverage for Flight and Baggage Delay and/or Hotel Burglary if the airline tickets and/or accommodations are purchased with points from a reward program other than the Card reward program.

Reasonable Living Expenses – means an insured person’s reasonable expenses for meals, accommodations and local taxi fare or ridesharing services, as determined by us.

Updated coverage start and end date information

For Coverage D - when the full fare of the insured person’s accommodations is reserved, booked and charged to the Cardmember's Card

Updated Coverage D - Hotel Burglary information

Coverage D - Hotel Burglary
If the insured person suffers a loss due to burglary of their accommodation (as a result of illegal forced entry) while registered as a guest, we will reimburse the insured person for the loss of personal items (excluding cash) upon receipt of due proof of loss.

New exclusion

Burglary of an insured person’s own rental property.

Removal of arbitration clause in What Other Terms Should You Know About?

At your option, you may request that any dispute with us relating to this insurance be decided by arbitration. If we agree with your request, the arbitration will be before a single arbitrator in, and under the rules embodied in the arbitration legislation of, the Canadian province or territory in which this insurance was issued to the cardmember. In the absence of such legislation, the arbitration will be conducted under the rules embodied in the Commercial Arbitration Act, R.S.C. 1985, C.17 (second supp.), as amended.

Updates to How Do You Submit a Claim?

For Coverage D:

  • Invoice issued by the accommodation.
  • A copy of the account statement in which the full fare of the accommodation appears, showing the Card as the method of payment.
  • Police report confirming forced entry and burglary report from the accommodation.
Update to limitation periods information under General Conditions

Every action or proceeding against an insurer for the recovery of insurance money payable under the contract is absolutely barred unless commenced within the time set out in the Insurance Act (for actions or proceedings governed by the laws of British Columbia, Alberta and Manitoba), the Limitations Act, 2002 (for actions or proceedings governed by the laws of Ontario), Article 2925 of the Civil Code of Quebec (for actions or proceedings governed by the laws of Quebec), or other applicable legislation

Addition of sanctions clause to General Conditions

The Insurer is required to comply with economic, financial and trade sanctions ("Sanctions") imposed by Canada and may be required to comply with Sanctions imposed by the United States in certain circumstances. The Insurer is a member of the RSA Group whose principal insurance company in the United Kingdom is required to comply with Sanctions imposed by the European Union and the United Kingdom and the parties acknowledge that the Insurer intends to adhere to the same standard. Accordingly, the Insurer shall not provide any coverage or be liable to provide any indemnity or payment or other benefit under this certificate which would breach applicable Sanctions imposed under the laws of Canada, the European Union, the United Kingdom, or the United States.

Lost or Stolen Baggage Insurance† (herein referred to as "LSB")
(Group Policy No. PSI047258521)
Additions to Important Notices

Coverage is only available if you are a resident of Canada.

The basic Cardmember is responsible for this insurance coverage, including coverage bound by any purchases made by a supplementary Cardmember below the age of majority.

New definitions

Basic Cardmember - means the person in whose name Amex Bank of Canada has opened a Card account and does not include a supplementary Cardmember, provided always that the basic Cardmember's Card account privileges have not expired, been revoked, terminated or suspended.

Supplementary Cardmember – means an authorized user of the Card account.

Updated definitions

Cardmember - means a holder of a valid Basic or Supplementary Card from American Express issued in Canada by Amex Bank of Canada.

Dependent child(ren) - means an unmarried natural, adopted, step or foster child of the Cardmember or his or her spouse who is, on the date the full fare is charged to the Card, at least 15 days old, dependent on the Cardmember, or his or her spouse for support and:

  • is under 21 years of age;
  • is a full-time student who is under 25 years of age; or
  • has a permanent physical impairment or a permanent mental disability.

Full Fare - means 100% of the airline ticket price, including taxes, was charged to the Card. Full fare is extended to include airline tickets obtained through the redemption of points from the Card reward program when applicable taxes have been charged to the Card. Note: Baggage and personal effects will not be covered if the airline ticket is purchased with points from a reward program other than the Card reward program.

Removal of arbitration clause in What Other Terms Should You Know About?

At your option, you may request that any dispute with us relating to this insurance be decided by arbitration. If we agree with your request, the arbitration will be before a single arbitrator in, and under the rules embodied in the arbitration legislation of, the Canadian province or territory in which this insurance was issued to the cardmember. In the absence of such legislation, the arbitration will be conducted under the rules embodied in the Commercial Arbitration Act, R.S.C. 1985, C.17 (second supp.), as amended.

Update to limitation periods information under General Conditions

Every action or proceeding against an insurer for the recovery of insurance money payable under the contract is absolutely barred unless commenced within the time set out in the Insurance Act (for actions or proceedings governed by the laws of British Columbia, Alberta and Manitoba), the Limitations Act, 2002 (for actions or proceedings governed by the laws of Ontario), Article 2925 of the Civil Code of Quebec (for actions or proceedings governed by the laws of Quebec), or other applicable legislation

Addition of sanctions clause to General Conditions

The Insurer is required to comply with economic, financial and trade sanctions ("Sanctions") imposed by Canada and may be required to comply with Sanctions imposed by the United States in certain circumstances. The Insurer is a member of the RSA Group whose principal insurance company in the United Kingdom is required to comply with Sanctions imposed by the European Union and the United Kingdom and the parties acknowledge that the Insurer intends to adhere to the same standard. Accordingly, the Insurer shall not provide any coverage or be liable to provide any indemnity or payment or other benefit under this certificate which would breach applicable Sanctions imposed under the laws of Canada, the European Union, the United Kingdom, or the United States.

Car Rental Theft and Damage Insurance† (herein referred to as "CRTD")
(Group Policy No. PSI018515861)
Additions to Important Notices

Coverage is only available if you are a resident of Canada.

The basic Cardmember is responsible for this insurance coverage, including coverage bound by any transactions carried out by a supplementary Cardmember below the age of majority.

Removal of definitions
  • Antique
  • Exotic
  • Expensive
  • Gross Vehicle Weight
New definitions

Basic Cardmember - means the person in whose name Amex Bank of Canada has opened a Card account and does not include a supplementary Cardmember, provided always that the basic Cardmember’s Card account privileges have not expired, been revoked, terminated or suspended.

Supplementary Cardmember – means an authorized user of the Card account.

Updated definitions

Cardmember - means a holder of a valid Basic or Supplementary Card from American Express issued in Canada by Amex Bank of Canada.

Mini-Van - means a vehicle which is designed and made by an automobile manufacturer as a mini-van. It is exclusively made to transport a maximum of eight people including the driver. It is used exclusively for transportation of passengers and their luggage and will not be used by the Cardmember for transportation of passengers for hire.

Principal driver - means a Cardmember who presents himself (herself) in person at the rental agency, signs the rental agreement, declines the rental agency's CDW (LDW in the United States) or its equivalent and takes possession of the rental auto and who complies with the terms of this certificate. The Cardmember and all drivers must otherwise qualify under and follow the terms of the rental agreement and must be legally licensed and permitted to drive the rental auto under the laws of the jurisdiction in which the rental auto shall be used.

Rental auto - means a vehicle rented from a rental agency for up to the coverage period allowed that is not a truck, off-road vehicle, motorcycle, moped, recreational vehicle, camper, trailer, nor a van, but certain mini-vans are covered.

Secondary driver - means any drivers who are not the principal driver of the rental auto who are permitted to operate the rental auto by the Cardmember (the principal driver) whether or not such person has been listed on the rental agreement or has been identified to the rental agency at the time of making the rental. The Cardmember and all drivers must otherwise qualify under and follow the terms of the rental agreement and must be legally licensed and permitted to drive the rental auto under the laws of the jurisdiction in which the rental auto shall be used.

Removal of exclusion
  • Exotic vehicles, meaning vehicles such as but not limited to, Aston Martin, Bentley, Bricklin, Daimler, De Lorean, Excalibur, Ferrari, Jaguar, Jensen, Lamborghini, Lotus, Maserati, Porsche, Rolls Royce and limousines;
  • Update to limitation periods information under General Conditions

    Every action or proceeding against an insurer for the recovery of insurance money payable under the contract is absolutely barred unless commenced within the time set out in the Insurance Act (for actions or proceedings governed by the laws of British Columbia, Alberta and Manitoba), the Limitations Act, 2002 (for actions or proceedings governed by the laws of Ontario), Article 2925 of the Civil Code of Quebec (for actions or proceedings governed by the laws of Quebec), or other applicable legislation

    Addition of sanctions clause to General Conditions

    The Insurer is required to comply with economic, financial and trade sanctions (“Sanctions”) imposed by Canada and may be required to comply with Sanctions imposed by the United States in certain circumstances. The Insurer is a member of the RSA Group whose principal insurance company in the United Kingdom is required to comply with Sanctions imposed by the European Union and the United Kingdom and the parties acknowledge that the Insurer intends to adhere to the same standard. Accordingly, the Insurer shall not provide any coverage or be liable to provide any indemnity or payment or other benefit under this certificate which would breach applicable Sanctions imposed under the laws of Canada, the European Union, the United Kingdom, or the United States.

    Car Rental Personal Effects Insurance† (herein referred to as "CRPE")
    (Group Policy No. PSI018515861)
    Additions to Important Notices

    Coverage is only available if you are a resident of Canada.

    The basic Cardmember is responsible for this insurance coverage, including coverage bound by any transactions carried out by a supplementary Cardmember below the age of majority.

    Removal of definition
    • Antique
    • Exotic
    • Expensive
    • Gross Vehicle Weight
    • Principal Driver
    New definitions

    Basic Cardmember - means the person in whose name Amex Bank of Canada has opened a Card account and does not include a supplementary Cardmember, provided always that the basic Cardmember’s Card account privileges have not expired, been revoked, terminated or suspended.

    Supplementary Cardmember – means an authorized user of the Card account.

    Updated definitions

    Cardmember - means a holder of a valid Basic or Supplementary Card from American Express issued in Canada by Amex Bank of Canada.

    Dependent child(ren) - means an unmarried natural, adopted, step or foster child of the Cardmember or his or her spouse who is, at the time the Cardmember legally takes control of the rental auto, at least 15 days old, dependent on the Cardmember, or his or her spouse for support and:

    • is under 21 years of age;
    • is a full-time student who is under 25 years of age; or
    • has a permanent physical impairment or a permanent mental disability.

    Mini-Van - means a vehicle which is designed and made by an automobile manufacturer as a mini-van. It is exclusively made to transport a maximum of eight people including the driver. It is used exclusively for transportation of passengers and their luggage and will not be used by the Cardmember for transportation of passengers for hire.

    Rental auto - means a vehicle rented from a rental agency for up to the coverage period allowed that is not a truck, off-road vehicle, motorcycle, moped, recreational vehicle, camper, trailer, nor a van, but certain mini-vans are covered.

    Spouse - the person who is legally married to the Cardmember, or has been living in a conjugal relationship with the Cardmember for a continuous period of at least one year and who resides in the same household.

    Update to limitation periods information under General Conditions

    Every action or proceeding against an insurer for the recovery of insurance money payable under the contract is absolutely barred unless commenced within the time set out in the Insurance Act (for actions or proceedings governed by the laws of British Columbia, Alberta and Manitoba), the Limitations Act, 2002 (for actions or proceedings governed by the laws of Ontario), Article 2925 of the Civil Code of Quebec (for actions or proceedings governed by the laws of Quebec), or other applicable legislation

    Addition of sanctions clause to General Conditions

    The Insurer is required to comply with economic, financial and trade sanctions ("Sanctions") imposed by Canada and may be required to comply with Sanctions imposed by the United States in certain circumstances. The Insurer is a member of the RSA Group whose principal insurance company in the United Kingdom is required to comply with Sanctions imposed by the European Union and the United Kingdom and the parties acknowledge that the Insurer intends to adhere to the same standard. Accordingly, the Insurer shall not provide any coverage or be liable to provide any indemnity or payment or other benefit under this certificate which would breach applicable Sanctions imposed under the laws of Canada, the European Union, the United Kingdom, or the United States.

    Buyer's Assurance® Protection Plan† (herein referred to as "BA")
    (Group Policy No. PSI018966745)
    Additions to Important Notices

    Coverage is only available if you are a resident of Canada.

    The basic Cardmember is responsible for this insurance coverage, including coverage bound by any purchases made by a supplementary Cardmember below the age of majority.

    New definitions

    Basic Cardmember - means the person in whose name Amex Bank of Canada has opened a Card account and does not include a supplementary Cardmember, provided always that the basic Cardmember's Card account privileges have not expired, been revoked, terminated or suspended.

    Supplementary Cardmember – means an authorized user of the Card account.

    Updated definitions

    Cardmember - means a holder of a valid Basic or Supplementary Card from American Express issued in Canada by Amex Bank of Canada.

    Updates to Description of Coverage Information

    Coverage takes effect immediately following the expiry of the Item’s original manufacturer’s warranty, up to a maximum of one full year. In the event the item's original manufacturer's warranty is no longer available due to bankruptcy of the manufacturer, this insurance will provide coverage immediately following the manufacturer's date of bankruptcy, up to a maximum of one full year.
    (Note: Not applicable to The Centurion Card)

    Coverage takes effect immediately following the expiry of the Item’s original manufacturer’s warranty, up to a maximum of two full years. In the event the item's original manufacturer's warranty is no longer available due to bankruptcy of the manufacturer, this insurance will provide coverage immediately following the manufacturer's date of bankruptcy, up to a maximum of two full years.
    (Note: Applicable to The Centurion Card)

    Update to limitation periods information under General Conditions

    Every action or proceeding against an insurer for the recovery of insurance money payable under the contract is absolutely barred unless commenced within the time set out in the Insurance Act (for actions or proceedings governed by the laws of British Columbia, Alberta and Manitoba), the Limitations Act, 2002 (for actions or proceedings governed by the laws of Ontario), Article 2925 of the Civil Code of Quebec (for actions or proceedings governed by the laws of Quebec), or other applicable legislation

    Addition of sanctions clause to General Conditions

    The Insurer is required to comply with economic, financial and trade sanctions (“Sanctions”) imposed by Canada and may be required to comply with Sanctions imposed by the United States in certain circumstances. The Insurer is a member of the RSA Group whose principal insurance company in the United Kingdom is required to comply with Sanctions imposed by the European Union and the United Kingdom and the parties acknowledge that the Insurer intends to adhere to the same standard. Accordingly, the Insurer shall not provide any coverage or be liable to provide any indemnity or payment or other benefit under this certificate which would breach applicable Sanctions imposed under the laws of Canada, the European Union, the United Kingdom, or the United States.

    Purchase Protection® Plan† (herein referred to as "PPP")
    (Group Policy No. PSI018516570)
    Additions to Important Notices

    Coverage is only available if you are a resident of Canada.

    The basic Cardmember is responsible for this insurance coverage, including coverage bound by any purchases made by a supplementary Cardmember below the age of majority.

    New definitions

    Basic Cardmember - means the person in whose name Amex Bank of Canada has opened a Card account and does not include a supplementary Cardmember, provided always that the basic Cardmember’s Card account privileges have not expired, been revoked, terminated or suspended.

    Supplementary Cardmember – means an authorized user of the Card account.

    Updated definitions

    Cardmember - means a holder of a valid Basic or Supplementary Card from American Express issued in Canada by Amex Bank of Canada.

    Insured item - means a new item (a pair or set being one item) of personal property (not purchased by or for use by a business for commercial purposes), when at least a portion of the purchase price is charged to the Card.

    Purchase price - means the actual cost of the Insured Item, including any applicable sales tax, as shown on the store receipt and where at least a portion of the cost is charged to the Cardmember's Card.

    Updates to Description of Coverage Information

    The Purchase Protection Plan automatically, without registration, protects most insured items when at least a portion of purchase price is charged to the Card by insuring the item for ninety (90) days from the date of purchase in the event of direct physical damage or theft (hereinafter called “Loss”) anywhere in the world, if the item is not covered by other insurance. If the item is stolen or damaged, it will be replaced, repaired, or the Cardmember will be reimbursed the portion of the insured item that was charged to the Card, at the discretion of the Insurer. Items the Cardmember gives as gifts are covered under the Purchase Protection Plan subject to compliance with the terms and conditions of this Certificate.
    (Note: Not applicable to The Centurion Card and The Platinum Card)

    The Purchase Protection Plan automatically, without registration, protects most insured items when at least a portion of purchase price is charged to the Card by insuring the item for one hundred twenty(120) days from the date of purchase in the event of direct physical damage or theft (hereinafter called “Loss”) anywhere in the world, if the item is not covered by other insurance. If the item is stolen or damaged, it will be replaced, repaired, or the Cardmember will be reimbursed the portion of the insured item that was charged to the Card, at the discretion of the Insurer. Items the Cardmember gives as gifts are covered under the Purchase Protection Plan subject to compliance with the terms and conditions of this Certificate.
    (Note: Applicable to The Centurion Card and The Platinum Card)

    Updated limitations
    • For insured items where only a portion of the purchase price is charged to the Card, total liability will be limited to the portion of the purchase price charged to the Card.
    • Claims for insured Items belonging to a pair or set will be paid for at the portion of the purchase price charged to the Card of the pair or set providing the items are not useable individually and cannot be replaced individually. Where parts of a pair or set are usable individually, liability will be limited to payment equal to a proportionate part of the purchase price that the number of lost, stolen or damaged parts bear to the number of parts in the complete pair or set.
    Update to limitation periods information under General Conditions

    Every action or proceeding against an insurer for the recovery of insurance money payable under the contract is absolutely barred unless commenced within the time set out in the Insurance Act (for actions or proceedings governed by the laws of British Columbia, Alberta and Manitoba), the Limitations Act, 2002 (for actions or proceedings governed by the laws of Ontario), Article 2925 of the Civil Code of Quebec (for actions or proceedings governed by the laws of Quebec), or other applicable legislation

    Addition of sanctions clause to General Conditions

    The Insurer is required to comply with economic, financial and trade sanctions (“Sanctions”) imposed by Canada and may be required to comply with Sanctions imposed by the United States in certain circumstances. The Insurer is a member of the RSA Group whose principal insurance company in the United Kingdom is required to comply with Sanctions imposed by the European Union and the United Kingdom and the parties acknowledge that the Insurer intends to adhere to the same standard. Accordingly, the Insurer shall not provide any coverage or be liable to provide any indemnity or payment or other benefit under this certificate which would breach applicable Sanctions imposed under the laws of Canada, the European Union, the United Kingdom, or the United States.

    For any questions, contact RSA toll free at: 1-800-243-0198.

    †: All insurance coverage is subject to the terms and conditions of their respective master policies. Certain limitations, exclusions and restrictions apply. Please read your Certificates of Insurance carefully