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.
Only a few Canadian credit cards include hotel / motel burglary insurance more »
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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.
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