The purchase interest rate for the debt you carry on your credit card. To avoid paying interest, pay your balance in full every month.
The annual fee you pay for your credit card. This does not include interest you may incur as a result of carrying debt.
This feature typically ensures you a low interest rate on the credit card debt you carry. Interest rates can vary widely across credit card providers and result in significant costs.
This feature typically rewards you for using your credit card with a wide range of perks, such as travel miles, cash back, etc.
Rental Car Protection
This feature typically covers rental car damages, theft or loss of use when you pay for the rental car with your credit card. This coverage typically does NOT cover damages you inflict on someone's property or health (3rd party liability) or your bodily injuries.
This feature typically offers access to a 24/7 road advisory service that provides information or can arrange for roadside assistance.
This feature typically covers expenses for a number of roadside services, such as towing of a disabled car or delivery of gas.
This feature typically covers a certain, limited amount of expenses, such as additional flight tickets resulting from unforeseen events during your trip, e.g. death of a close relative causing you to interrupt your trip.
This feature typically covers a certain, limited amount of incurred expenses when you have already booked a trip but have to cancel it due to unforeseen events, such as unexpected injury.
This feature covers a certain, limited amount of expenses like meals, accommodation, and necessary items in case of a significant flight delay.
Baggage Delay / Loss
This feature typically covers a certain, limited amount of expenses for necessary items if your baggage is significantly delayed or lost.
This feature typically covers a certain, limited amount of losses incurred following a burglary from your hotel room or ship cabin.
Common Carrier Accident
This feature typically protects you in case of an accident resulting in loss of life or disability while travelling with a certified common carrier (e.g. plane, boat, train, bus) and you paid for the trip with your credit card.
Travel Medical Protection
This feature typically pays emergency medical expenses and other costs that you may incur while travelling abroad. This protection varies across cards by length of coverage, issues covered, age, and maximal amount.
Information / Identity Security
This feature normally offers additional protection of your identity and associated information, such as your credit score, from abuse by others.
This feature typically covers unauthorized expenses by your employees, e.g. after they have stopped working for you.
This feature typically extends the existing warranty for your new purchase if you pay with your credit card.
This feature typically protects new purchases made with your credit card during the first months, e.g. against accidental physical damage, theft, and loss.
This feature typically covers the minimum payments of the balance you owe if you cannot make the payments due to an unforeseen event such as disability, critical illness, loss of employment. In case of loss of life, it usually pays the entire balance owing.
This feature typically protects you against any unauthorized transactions involving your credit card. It is included in all major cards such as VISA, MasterCard, American Express.
Most Canadian credit cards offer 90 days purchase protection for the new items you buy! more »
© 2011 — 2015 InsurEye Inc. All Rights Reserved.
PLEASE REFER TO OUR SITE TERMS AND CONDITIONS INCLUDING DISCLAIMERS BEFORE ANY USE OF THIS SITE OR SERVICES. Although we have done our best to provide an accurate representation of information, the information provided on this site is for educational purposes only and should not be relied upon and is not a substitute for careful review of insurance policies or consultation with qualified professionals. InsurEye will not be liable or responsible to any person for any harm, loss or damage that may arise in any connection with your use of this site and the information provided to you. By using this site, you are agreeing to indemnify InsurEye for any claims for damages caused by your use of the information provided on this Site.
This tool is offered and operated by InsurEye Inc. InsurEye Inc. is a Canadian company registered in Toronto, Ontario, Canada. Should you have any questions or concerns, please do not hesitate to contact us at firstname.lastname@example.org
Although we have done our best to provide an accurate representation of information, the information provided on this site is for educational purposes only and should not be relied upon and is not a substitute for careful review of insurance policies or consultation with qualified professionals. InsurEye will not be liable or responsible to any person for any harm, loss or damage that may arise in any connection with your use of this site and the information provided to you. By using this site, you are agreeing to indemnify InsurEye for any claims for damages caused by your use of the information provided on this Site.
Knowing what protection your credit card offers can save you money. Credit Card insurance covers more than you think. If your flight is delayed, you could reimburse costs for meals and accommodation. Recover the costs of a stolen laptop within several months after having purchased it with a credit card.
However, overestimating your insurance coverage can lead to horror cost scenarios. For example, not every card with travel protection will pay for your medical bills abroad.
See how your credit card’s insurance features can save you money:
Pay a rental car with your credit card and save on default rental car insurance. Your card insurance will typically cover rental car damages, its theft or loss of use but will NOT cover damages you inflict on other's property or health (3rd party liability) and your bodily injuries.
This feature typically covers a certain, limited amount of expenses like additional flight tickets resulting from unforeseen events during your trip e.g. death of a close relative so that you have to interrupt your trip.
This feature typically covers a certain, limited amount of already incurred expenses if you have already booked the trip but had to cancel it due to unforeseen events such as unexpected injury.
This feature covers a certain, limited amount of your expenses like meals, accommodation, necessary items in case your flight had a significant delay.
This feature typically covers a certain, limited amount of your expenses like buying necessary items in case your baggage had a significant delay or was lost.
This feature typically protects you in case of an accident resulted in a loss of life or disability while travelling with certified common carrier (e.g. plane, boat, train, bus) and you paid the trip with your credit card.
This feature typically pays out emergency medical and some other costs that you may incur while travelling abroad. This protection varies across cards by length of coverage, issues covered, and maximal amount.
This feature typically extends the existing warranty for your new purchase if you paid it with your credit card.
This feature typically protects the new purchases you do with your credit card during first months against accidental physical damage, theft, and loss.
Wisely choosing credit cards and avoiding insurance overlaps can reduce your annual card fees – no need to have three cards all offering a trip cancellation insurance.
We analyzed in detail all of the insurance policies associated with over 150 credit cards from all major banks and compiled this knowledge for InsurEye users. Our knowledge base grows every day, and we work hard to keep all information current.
The Credit Card Navigator covers key credit cards from the Personal and Small Business issuers: Amex, BMO, CAA (Bridgewater Bank), Canadian Tire Financial Services, Capital One, CIBC, Desjardins, HBC (Bay), HomeTrust, MBNA, National, President's Choice, RBC, Scotiabank, Sears Financial, TD, Vancity, Walmart Financial Services.
We care very much about information privacy and security. InsurEye uses the same 256-bit encryption and data security levels comparable to the banks. Our practices are monitored and verified by VeriSign and Digicert. We do NOT ask and do NOT store your credit card numbers.
We are firmly committed to safeguarding your confidentiality and protecting your information. The principles that follow apply to all of our dealings with you. We do not require you to create an account or share any personally identifiable information in order to use InsurEye Credit Card Navigator (“Tool”).
If you choose to get more information or apply for a credit card mentioned in this Tool, integrated into the site InsuranceHotline.com, you are taken directly to the credit card issuer's website and you provide your information directly to the issuer.
We do not require you to create an account or share any personally identifiable information in order to use our site. However, we do collect some non-personally identifiable information automatically.
InsurEye Credit Card Navigator offered on the site InsuranceHotline.comdoes NOT automatically collect personally identifiable information from your computer when you browse our site. We automatically collect some non-personally identifiable information about your visit, including the operating system and browser you are using, as well as the date, time, and pages you visit. Collecting this information helps us design the site to suit your needs.
When you request a page from our site, our servers log your current IP address. An Internet Protocol ("IP") address is a unique string of numbers that is automatically assigned to your computer by your Internet Service Provider. We use IP addresses to help diagnose problems and to gather demographic information and measure traffic to the site. We do not link IP addresses to any personally identifiable information about you.
InsurEyealso allows third party partners to place session cookies on your computer to collect non-personally identifiable information such as aggregate use statistics for internal evaluation of the site. See below for additional information on cookies.
InsurEye does NOT share information that we have about you with anyone except where required by law or where you expressly provide us with the permission to do so. We may also disclose personal information without knowledge or consent to a lawyer or other advisor representing us, to collect a debt, to comply with a subpoena, warrant or other court order or rules, if required for the investigation or enforcement of laws, or as may otherwise be required or authorized by law. Where a request for personal information is made by an organization claiming lawful authority for the request, we will take reasonable steps to ensure that the requesting party properly identifies its legal authority
We do not share, sell, rent, or trade personally identifiable information with third parties for their promotional purposes.
InsurEye has security measures in place and takes reasonable precautions to protect against the loss, misuse, and unauthorized access of your personal information under our control. To help us accomplish this, we adopt the following procedures:
- Employ internal access controls to ensure that the only people who see your information are those with a need to do so to perform their official duties
- Train relevant personnel on our privacy and security measures
- Regularly back up the information we collect online to insure against loss
- Periodically test our security procedures to ensure personnel and technical compliance
To report any known or suspected privacy or security breaches or if you do not feel your concerns have been addressed in our privacy statement, feel free to contact us. You may contact us in the following ways:
- By email at TECHSUPPORT@INSUREYE.COM
- Using our phone number: +1-647-930-6733
A cookie is a small data file that we transfer to your computer's hard drive through your web browser when you visit our site. Cookies enable our systems to recognize your computer so that we can provide you with personalized service and features, and to track traffic patterns. Although our cookies may contain a unique user ID, they do not collect or store any of your personally identifiable information.
Also, in the course of advertising, a third party advertiser may place or recognize a unique cookie on your browser. InsurEye assumes no responsibility for any cookies placed on your browser by such third-party advertisers.
This policy covers our online practices and does not apply to any third party sites, including card issuers or other sites that may be linked from our website. We encourage you to read the terms and conditions and privacy policies of those other sites to learn how they collect and use information about you.
This Website is proprietary to INSUREYE INC. ("INSUREYE"). By using this website (“Site”) and any services available through this Site (“Services”), including without limitation by browsing, viewing, posting, accessing or downloading information, whether or not you register to become a registered user (“Registered User”) of the Site, you agree to accept and abide by the provisions set out in this Agreement (the “Terms”) for each visit to the Site or use of the Services. If you do not agree to this Agreement in its entirety, then you should not access this Site or use the Services.
You represent and warrant that you have the right, authority and capacity to legally enter into this Agreement and to comply with all of its terms and conditions.
Your use of the Site may be affected by other agreements between you and us or you and third parties and any use of this Site does not modify the terms and provisions of such other agreements.
The information contained on the pages of this Site is subject to modification and update from time to time without notice. INSUREYE does not guarantee or ensure the accuracy, completeness, currency or authenticity of any Site content, Site functionality, or your transmission of any Site content from the Site to you.
Changes may be made to the Terms at any time without notice by updating this posting. You agree to review the Terms regularly, and your continued access or use of the Site will mean that you agree to any changes.
INSUREYE is not a financial or insurance institution and is not responsible for the services or products represented on this Site.
INSUREYE does not review or control, and is not responsible for, any websites linked from or to the Site, the content of those websites, the privacy practices of those websites, the third parties named therein, or their products or services. Linking to any other website is at your sole risk and INSUREYE will not be responsible or liable for any damages in connection with such linking. In addition, INSUREYE does not endorse or approve of any websites linked from or linking to the Site.
INSUREYE does not guarantee and makes no representations as to the accuracy, quality, currentness, validity or authenticity of any rates, terms or information related to financial or insurance products.
YOU AGREE THAT YOUR USE OF THE SITE SHALL BE ON AN "AS IS" BASIS ENTIRELY AT YOUR RISK.
NO REPRESENTATIONS, CONDITIONS, WARRANTEES OR GUARANTEES ARE EXPRESSED OR CAN BE IMPLIED REGARDING THE SITE OR THE SERVICES OR THEIR USE, INCLUDING WITHOUT LIMITATION ANY REPRESENTATIONS, CONDITIONS, WARRANTEES OR GUARANTEES AS TO DESCRIPTION, CONDITIONS, FITNESS FOR PURPOSE, QUALITY, QUANTITY OR MERCHANTABILITY OR AS TO ANY OTHER MATTER WHATSOEVER. YOU EXPRESSLY WAIVE ALL SUCH EXPRESS OR IMPLIED REPRESENTATIONS, CONDITIONS, WARRANTIES AND GUARANTEES.
WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, WE MAKE NO REPRESENTATIONS, CONDITIONS, WARRANTIES OR GUARANTEES ABOUT THE ACCURACY, COMPLETENESS OR TIMELINESS OF ANY MATERIAL ON THE SITE OR ABOUT CONTINUOUS OR SECURE ACCESS TO OUR SITE OR SERVERS.
INSUREYE MAY MAKE AVAILABLE CERTAIN INFORMATION PROVIDED RELATED TO THIRD PARTY INSURANCE PRODUCTS OR SERVICES (THE “INSURANCE INFORMATION”). THE INSURANCE INFORMATION IS PROVIDED FOR EDUCATIONAL AND ENTERTAINMENT PURPOSES ONLY AND SHOULD NOT BE INTERPRETED AS A RECOMMENDATION FOR A SPECIFIC PLAN, PRODUCT OR COURSE OF ACTION. USE OF THIS SITE AND THE SERVICES DOES NOT REPLACE CAREFUL REVIEW OF INSURANCE POLICIES OR CONSULTATIONS WITH QUALIFIED INSURANCE, FINANCIAL OR OTHER RELEVANT PROFESSIONAL. IN ADDITION, INSURANCE POLICIES ARE FREQUENTLY UPDATED AND CHANGES RAPIDLY AND THEREFORE, SOME OF THE INSURANCE INFORMATION MAY BE OUT OF DATE. YOU AGREE THAT ALL RISK ASSOCIATED WITH THE USE OF, OR RELIANCE ON, ANY OF THE INSURANCE INFORMATION RESTS WITH YOU. YOU FURTHER AGREE THAT INSUREYE SHALL NOT BE RESPONSIBLE OR LIABLE, DIRECTLY OR INDIRECTLY, IN ANY WAY FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF, OR IN CONNECTION WITH YOUR USE OF, OR RELIANCE ON, ANY SUCH INSURANCE INFORMATION.
NEITHER WE NOR OUR AFFILIATES NOR THEIR RESPECTIVE EMPLOYEES, DIRECTORS, SHAREHOLDERS, AGENTS, THIRD PARTY CONTENT PROVIDERS OR LICENSORS, IF ANY, WILL BE LIABLE FOR DAMAGES OF ANY KIND ARISING OUT OF OR FROM THE USE OF THE SITE OR THE SERVICES. THIS LIMITATION SHALL APPLY IRRESPECTIVE OF THE NATURE OF THE CAUSE OF ACTION, DEMAND OR ACTION, INCLUDING BUT NOT LIMITED TO, BREACH OF CONTRACT, NEGLIGENCE, TORT OR ANY OTHER LEGAL THEORY AND SURVIVE A FUNDAMENTAL BREACH OR BREACHES OR FAILURE OF THE ESSENTIAL PURPOSE OF THIS AGREEMENT, OR ANY REMEDY CONTAINED IN THIS AGREEMENT.
IN NO EVENT SHALL THE FOREGOING BE LIABLE FOR INDIRECT, SPECIAL, CONSEQUENTIAL, INCIDENTAL, PUNITIVE OR EXEMPLARY LOSSES, DAMAGE OR EXPENSES (INCLUDING BUT NOT LIMITED TO BUSINESS INTERRUPTION, LOSS OF PROFITS, LOST BUSINESS, OR LOST SAVINGS) EVEN IF THEY HAVE BEEN ADVISED OF THEIR POSSIBLE EXISTENCE. THE ALLOCATIONS OF LIABILITY IN THIS AGREEMENT REPRESENT THE AGREED AND BARGAINED-FOR UNDERSTANDING OF THE PARTIES.
IF THE LAWS OF CERTAIN JURISDICTIONS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, THEN SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MIGHT NOT APPLY TO YOU.
The Information is for informational purposes only and is not intended to provide specific insurance, financial, investment, tax, legal, accounting or other advice to you, and should not be acted or relied upon in that regard without seeking the advice of a professional. Your advisor can help to ensure that your own circumstances have been properly considered and any action is taken on the latest available information.
This Site is made available for your personal use only. We grant to you a non-exclusive, non-transferable, revocable and limited right to make personal use of the Site, including the right to access and view the Site, subject to the terms and conditions set out in this Agreement. You may not resell, repurpose or make any commercial use whatsoever of the Services or any information available to you through this Site.
In addition to any other limitations set out in this Agreement, you may not nor will you allow others to, directly or indirectly:
- use this Site in a manner that is contrary to applicable law or electronic etiquette, or which would adversely impact use of the Site or the Internet by other users;
- download or use content from the Site other than for personal non-commercial information purposes;
- modify, copy, display or translate the Site or any part of the Site;
- decompile, reverse engineer or disassemble the Site;
- create, reproduce, upload, download, communicate, publish, store or use any other person’s content that has been posted to the Site, or any content or other material the effect of which is to infringe upon third party intellectual property rights including copyrights;
- frame or use framing techniques to enclose any element of the Site including any of its content without our express written consent;
- use any meta tags or other "hidden text" containing our name or trademarks without our express written consent;
- meta-search the Site;
- upload, post or otherwise transmit on this Site any harmful, disruptive or destructive files, programs or other items;
- interfere with the security of, or otherwise abuse, this Site or any system resources, accounts, servers or networks connected to or accessible through this Site or associated or linked sites;
- use any robot, spider or other automatic program or device, or manual process to monitor, copy, summarize, or otherwise extract information from this Site in whole or in part;
- use or attempt to use another's account, password, service, system or other information without prior written authorization from us, or create or use a false identity on this Site, or circumvent measures used to restrict access to the Site;
- transmit through, to or from this Site spam, chain letters, junk mail or any other type of unsolicited mass e-mail;
- upload to, distribute to, or otherwise disseminate through this Site or through the use of the Services, any material or information of any kind that is defamatory, abusive, or violates any applicable law or infringes or violates any rights of any other person;
- disrupt or interfere with any other person’s use or enjoyment of this Site or associated or linked sites;
- attempt to obtain unauthorized access to this Site or portions of this Site which are restricted from general access;
- use this Site in any manner that could damage, disable, overburden or impair this Site; or
- use the Site or Services in any way that violates applicable law.
If you would like further information concerning Site contents or you wish permission to use, to reproduce, or to republish any Site contents, you may contact us in the following ways:
- by email at CONTACT@INSUREYE.COM
- using our phone number: +1-647-930-6733
The laws of the Province of Ontario and the federal laws of Canada applicable therein shall govern as to the interpretation, validity and effect of this Agreement and any use of the Site. You hereby consent and submit to the non-exclusive jurisdiction of the courts of the Province of Ontario in any action or proceeding instituted under or related to this Agreement or your use of the Site.
All trade-marks displayed on the Site are trademarks or registered trademarks belonging to us or to our affiliates or licensors, or if not owned by us or our affiliates, are the property of their respective owners. THE APPEARANCE OF A THIRD PARTY TRADE-MARK ON THIS SITE DOES NOT IN ANY WAY IMPLY ANY ENDORSEMENT BY OR AFFILIATION WITH THE THIRD PARTY TRADE-MARK OWNER OR AN ENDORSEMENT BY INSUREYE OF THAT OWNER’S PRODUCTS OR SERVICES. The Site look and feel, layout, graphics, icons and images constitute trademarks or trade dress belong to us.
The content and any trade-marks and trade dress on this Site may not be reproduced or used in association with any products or services except as authorized by INSUREYE in writing.
All information on this Site is protected under copyright laws. Except as provided on this Site, no one has permission to copy, redistribute, reproduce or republish any information found on this Site, which includes uploading or downloading without the prior written consent of INSUREYE.
Any retransmission or alteration of trade-marks or other form of unauthorized copying may be a violation of the law and such users may be subject to legal action.
YOU AGREE TO HOLD HARMLESS AND INDEMNIFY INSUREYE, OUR AGENTS, AFFILIATES, PARTNERS, SUCCESSORS OR ASSIGNS, AND THEIR RESPECTIVE DIRECTORS, OFFICERS, SHAREHOLDERS AND EMPLOYEES (EACH AN “INDEMNIFIED PARTY”), FROM AND AGAINST ANY LOSSES, DAMAGES, EXPENSES, FINES, MONETARY PENALTIES, LIABILITIES (WHETHER ACCRUED, ACTUAL, CONTINGENT, LATENT OR OTHERWISE), CLAIMS AND DEMANDS OF ANY NATURE OR KIND INCLUDING ANY INTEREST AND ALL LEGAL FEES AND COSTS ON A SUBSTANTIAL INDEMNITY BASIS, AND INCLUDING WITHOUT LIMITATION ANY CLAIMS FOR LOSS OF REVENUE, EXPECTED PROFITS OR EXPECTED SAVINGS, OR ANY OTHER COMMERCIAL, ECONOMIC, GENERAL, SPECIFIC, DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY LOSSES OR DAMAGES (EACH A “CLAIM”) WHICH AN INDEMNIFIED PARTY MAY SUFFER OR INCUR BY REASON OF ANY BREACH OR ALLEGATION OF BREACH OF ANY WARRANTY, REPRESENTATION OR AGREEMENT MADE BY YOU UNDER THIS AGREEMENT, BY REASON OF YOUR USE OF THE SITE OR SERVICES OR BY REASON OF A FAILURE BY YOU TO COMPLY WITH ALL APPLICABLE LAWS.
You acknowledge and confirm that the Internet is not a secure medium where privacy can be ensured, and that complete security and confidentiality over the Internet is not possible at this time. Your confidential use of the Site cannot be guaranteed and you acknowledge that your use of the Site (including information you transmit to the Site) may be subject to access by, or disclosure to, other persons. Without limiting any other disclaimer herein, INSUREYE shall not be responsible or liable for any harm that you or any other person may suffer in connection with any such breach of confidentiality or security.