Coverage finder
Credit cards with travel medical insurance in Canada
Cards that include emergency medical coverage when you travel. 16 cards, ranked by value. Every benefit cites the official issuer page. Updated 2026-06-20.
Several Canadian credit cards include emergency travel medical insurance that covers hospital and medical costs if you get sick or injured while travelling. Coverage limits, trip-length caps, and age restrictions vary by card, so the right pick depends on your age and how long your trips run. The cards below all list travel emergency medical 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
National BankWorld Elite
National Bank World Elite Mastercard
Everyday rewards
Welcome value
35k pts
Offer ends Jun 29Get up to $1,052 in benefits and rewards for the first year
- Annual fee
- $150
- Purchase APR
- 22.49%
7.9Cited · verified 2026-06-17View → - 5
PC FinancialWorld Elite
PC Insiders World Elite Mastercard
Everyday rewards
Welcome value
No current offer
First Year Annual Fee Waived and 50,000 bonus PC Optimum™ points*
- Annual fee
- $120
- Purchase APR
- 21.99%
7.9Cited · verified 2026-06-13View → - 6
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 → - 7
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 → - 8
PC World Elite Mastercard
No annual fee rewards
Welcome value
No current offer
Enjoy 50,000 bonus PC Optimum™ points
- Annual fee
- No fee
- Purchase APR
- 21.99%
7.7Cited · verified 2026-06-13View → - 9
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 → - 10
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 → - 11
Simplii Financial
Simplii Cash Back Visa
No annual fee rewards
Welcome value
No current offer
Earn up to 20% cash back
- Annual fee
- No fee
- Purchase APR
- 21.99%
7.5Cited · verified 2026-06-13View → - 12
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 → - 13
TangerineWorld Elite
Tangerine Rewards World Elite Mastercard
Everyday rewards
Welcome value
~$300
Offer until Oct 30Get a hold of your rewards with up to $600 in value; earn 30,000 bonus Scene+ points
- Annual fee
- $120
- Purchase APR
- 20.95%
7.1Cited · verified 2026-06-13View → - 14
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 → - 15
World Mastercard
Everyday rewards
Welcome value
No current offer
- Annual fee
- —
- Purchase APR
- —
7.1Cited · verified 2026-06-17View → - 16
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 travel medical insurance?
- We track 16 cards that list travel medical 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.
- Does credit card travel medical insurance cover seniors?
- Many cards reduce or drop emergency medical coverage past a certain age (often 65), and trip-length limits shorten too. Always read the certificate of insurance for the age cap and per-trip day limit before relying on it. Confirm details with the issuer.
- 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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