Frequently Asked
Questions

You should purchase travel insurance before you travel outside of your home province or territory so that you can be protected in the event of a medical emergency. If you plan on pre-paying for your travel arrangements, you may want to consider purchasing trip cancellation/trip interruption coverage in order to protect your investment should you have to cancel your trip due to one of the covered reasons.

Get a no obligation quote and make a purchase online in minutes by clicking the ‘Get a quote or purchase a plan’ feature on the AMEX® Travel Insurance home page, or by calling +1-844-200-8959.

You can purchase travel insurance for up to 365 days, which will cover you beyond the maximum number of days allowed outside your Canadian province or territory of residence. This is provided you receive written permission from the provincial government in your province of residence to maintain your provincial government health insurance coverage beyond the regular maximum in advance of your departure. In the event of a claim, you will be asked to provide such written permission.

Baggage and Personal Effects Insurance protects against physical loss/theft or damage of your baggage or personal effects, from the time you leave your home province or territory up to and including your return date. Note that not all plans cover baggage and personal effects. For more information, view plan details and download insurance certificates, or call 1-844-200-8959.

Emergency Medical Insurance could provide you coverage up to an overall maximum coverage of $5,000,000 per insured person, per trip, for reasonable and customary charges in respect to eligible expenses incurred as a result of an emergency for which medically necessary treatment is needed while travelling outside your province or territory of residence. 

For complete benefit details, including individual benefit limits, view plan details and download insurance certificates, or call 1-844-200-8959.

If you currently have coverage with Amex^® Travel Insurance^† and, are on your trip and have a travel emergency or require support, please call Global Excel Management Inc. (Global Excel), the claims and assistance company appointed by the Insurer, to provide 24-hour assistance services at 1-844-780-0501 (Toll Free from Canada and the U.S.) or +(819) 780-0501 (collect from anywhere in the world). Experienced multilingual representatives can provide you with immediate access to information and directions.

Notwithstanding the cancellation terms and conditions applicable to the plan you purchase, you have the right to examine your policy and cancel within 10 days of receipt and receive a full refund.

Coverage may be extended by calling 1-844-200-8959 and requesting an extension before your existing coverage for your trip terminates. Your total trip length outside your Canadian province or territory of residence, including your initial trip plus any extensions, is limited to the maximum Period of Coverage for which you are eligible under the certificate of insurance. Your request may be approved provided you meet the eligibility requirements, and no event has occurred that would give rise to a claim under the insurance. If an event has occurred that would give rise to a claim, the extension of your insurance is subject to the approval of the Insurer.

Yes, as provincial plans may not cover everything once you leave your home province/territory and typically only cover a limited portion once you leave Canada. In fact, the Government of Canada urges all Canadians to purchase supplemental health insurance when leaving your province of residence.

It is important to note that the reimbursement of actual costs incurred may vary in every province. There can also be significant delays in receiving reimbursements from the appropriate provincial ministries which could result in significant out-of-pocket expenses.

Coverage for dependents may be available based on the terms and conditions of the plan selected. View plan details and download insurance certificates, or call 1-844-200-8959.

Travel insurance coverage varies from Card to Card. Your American Express^® Card may cover you with certain benefits related to travel, such as:

• Travel Emergency Assistance¹
• Travel Accident Insurance^2†
• Flight Delay Insurance^3†
• Baggage Delay Insurance^3†
• Lost or Stolen Baggage Insurance^3†
• Hotel/Motel Burglary Insurance^3†
  

If your Card includes these benefits, you may still want to increase the level of coverage to suit your individual travelling needs. We recommend that you carefully review the travel insurance coverage that your American Express® Card provides or call 1-844-200-8959.

Our flexible plans offer coverages for situations that may require Emergency Medical, Trip Cancellation, Trip Interruption, or Baggage insurance. Coverage varies based on the plan selected. For details, View plan details and download insurance certificates, or call 1-844-200-8959.

If you have a medical emergency, you must call Global Excel Management Inc. (Global Excel) before you receive emergency services, as certain benefits require Global Excel’s pre-approval. Of course, if your medical condition prevents you from calling, we understand – you must call as soon as medically possible or, as an alternative, someone else may call on your behalf (relative, friend, nurse or physician).

Global Excel can be contacted 24 hours a day, 7 days a week by calling: 1-844-780-0501 toll-free from the U.S. & Canada, or +819-780-0501 collect from anywhere in the world

Please note, if you do not call before seeking medical assistance, or if you choose to seek care from a non-approved medical service provider, your claim may be impacted such that your costs may not be reimbursed in full.

Trip Cancellation and Trip Interruption Insurance provides reimbursement of expenses incurred as a result of a covered reason for eligible pre-paid travel arrangements, transportation and out-of-pocket expenses. For complete benefit details, including maximum benefit limits, view our different plans and download the insurance certificates, or call 1-844-200-8959.

Exclusions related to medical conditions that are not stable apply to medical conditions that are not stable and that existed prior to your trip. Please refer to the insurance certificates available to see how this applies and how it relates to your departure date, date of purchase, or effective date.