Coverage finder
Credit cards with flight & baggage delay insurance in Canada
Cards that cover expenses when your flight or bags are delayed. 10 cards, ranked by value. Every benefit cites the official issuer page. Updated 2026-06-20.
A handful of Canadian credit cards include flight delay and delayed or lost baggage insurance, covering reasonable expenses like meals, lodging, and essentials when a flight or your luggage is delayed past a set number of hours. The cards below list flight delay or baggage delay coverage from the issuer.
- 1
ScotiabankPlatinum
Scotiabank Platinum American Express Card
Great for travel abroad
Welcome value
~$800
Earn up to 80,000 bonus Scene+ points ($800 in travel rewards)
- Annual fee
- $399
- Purchase APR
- 9.99%
8.4Cited · verified 2026-06-13View → - 2
Scotiabank Gold American Express Card
Great for travel abroad
Welcome value
~$450
Earn up to 45,000 bonus Scene+ points ($450 in travel rewards)
- Annual fee
- $120
- Purchase APR
- 21.99%
8.3Cited · verified 2026-06-13View → - 3
Scotiabank Passport Visa Infinite Card
Great for travel abroad
Welcome value
~$500
Earn up to 40,000 bonus Scene+ points + 10,000 in first 6 months
- Annual fee
- $150
- Purchase APR
- 20.99%
8.1Cited · verified 2026-06-13View → - 4
BMOWorld Elite
BMO Ascend World Elite Mastercard
Everyday rewards
Welcome value
No current offer
Get up to $1,600 in value and the annual fees waived in the first year.
- Annual fee
- $150
- Purchase APR
- 21.99%
7.8Cited · verified 2026-06-13View → - 5
MBNAWorld Elite
MBNA Rewards World Elite Mastercard
Everyday rewards
Welcome value
30k pts
Earn up to 30,000 bonus MBNA Rewards Points
- Annual fee
- $120
- Purchase APR
- 21.99%
7.8Cited · verified 2026-06-17View → - 6
Scotia Momentum Visa Infinite Card
Cash back on everyday spending
Welcome value
No current offer
Offer until Nov 115% cash back on first $2,000 in everyday purchases (first 3 months) + first year annual fee waived
- Annual fee
- $120
- Purchase APR
- 20.99%
7.6Cited · verified 2026-06-13View → - 7
Scotiabank Passport Visa Infinite Privilege Card
Great for travel abroad
Welcome value
~$300
Earn 30,000 bonus Scene+ points
- Annual fee
- $599
- Purchase APR
- 20.99%
7.6Cited · verified 2026-06-13View → - 8
BrimWorld Elite
Brim World Elite Mastercard
Everyday rewards
Welcome value
No current offer
Earn up to $500 in Brim points when you use your Brim Card for the first time at participating merchants
- Annual fee
- $89
- Purchase APR
- —
7.1Cited · verified 2026-06-17View → - 9
WealthsimpleInfinite Privilege
Wealthsimple Credit Card
Great for travel abroad
Welcome value
No current offer
- Annual fee
- $240
- Purchase APR
- 20.99%
7.1Cited · verified 2026-06-13View → - 10
Neo FinancialWorld Elite
United MileagePlus Neo World Elite Mastercard
Travel points & miles
Welcome value
25k pts
Up to 25,000 MileagePlus miles
- Annual fee
- $89
- Purchase APR
- 19.99%
6.8Cited · verified 2026-06-13View →
Frequently asked
- Which Canadian credit cards include flight & baggage delay insurance?
- We track 10 cards that list flight & baggage delay insurance. By our value ranking the Scotiabank Platinum American Express Card from Scotiabank leads, with a $399 annual fee. Coverage terms vary, so read the issuer's certificate of insurance.
- Is the coverage guaranteed?
- No. Credit card insurance is conditional and governed by a certificate of insurance with limits, exclusions, and eligibility rules. We list which cards advertise the benefit; always confirm the current terms on the issuer's page before relying on it. Nothing here is financial advice.
- How current is this list?
- Benefits are checked against official issuer pages and were last refreshed 2026-06-20.
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