The Airline Passenger Protection Regulations (APPR) were introduced in December 2019, just before the pandemic.
For the past two years, the RPPA has been put to the test. However, there are several shortcomings with this charter in regards to situations that are out of the airline’s control.
For example, the labour shortage is a carrier-driven situation. However, if the underlying cause is a COVID-19 outbreak among the crew, would the lack of personnel then be considered a circumstance out of control?
As a result, the Canadian Transportation Agency has just announced changes to better protect passengers in the event of a flight delay or cancellation beyond the control of the carrier.
Review of the Air Passenger Protection Regulations
The Air Passenger Protection Regulations are a passenger bill of rights that dictate the minimum obligations that airlines must fulfill to the travelling public.
All airlines operating flights to and from Canada must comply.
Selecting seats for children
Under the Airline Passenger Protection Regulations, carriers must assign seats near a parent (or guardian) at no additional charge. This rule applies to youth under the age of 14. After that, the specific proximity is determined by the age of the child.
Under 5 years old: adjacent to a parent
Between 5 and 11 years old: in the same row and cannot be separated by more than one seat with the parent
Between 11 and 13 years old: cannot be separated more than one row with the parent
To ensure you have side-by-side benches with your children between the ages of 5 and 13, you can use the travel credits with National Bank’s World Elite Mastercard® and the HSBC World Elite® Mastercard® for seat selection.
With the Revenge Travel phenomenon, it’s better to be in full control when you can!
Flight delay and cancellation
The Airline Passenger Protection Regulations state that you can be compensated and that you must be treated with a minimum of standards when your flight is delayed or cancelled.
The PAPR guidelines will be amended to benefit consumers in this area. During the current pandemic period, schedule changes, as well as delayed and cancelled flights, have become commonplace.
Since the beginning of the RPPA, airlines are required to pay you monetary compensation if they were responsible for the late arrival at your destination.
The situations attributable to the airline are:
commercial overbooking
mandatory routine maintenance of the aircraft
mechanical failures found during routine maintenance
delay or cancellation of a flight due to lack of crew
communication of flight change or cancellation within 14 days of departure
In these situations, the carrier’s responsibilities are:
offer meals or meal coupons
provide accommodation and return transportation if the delay is overnight
offer an alternative route (including another airline) to the destination if the delay is more than 9 hours
offer the possibility of a refund
Compensation varies according to the time incurred if the company is responsible:
Delay
Large companies
Small companies
between 3 and 6 hours
$400
$125
between 6 and 9 hours
$700
$250
9 hours and more
$1,000
$500
Changes to the Air Passengers Protection Regulations (September 2022)
As of September 8, 2022, passengers are also protected against situations categorized as “out of control” by the carrier, such as weather delays, strikes, COVID-19, etc.
The RPPA rules regarding delays due to company circumstances remain unchanged.
The 48-hour window
In the event of a delay of more than 3 hours, the Air Passenger Protection Regulations require the carrier to rebook you on another confirmed flight according to your preferences. The latter (their aircraft or another airline) must be within 48 hours of the departure time of your initial flight.
If the airline is unable to rebook you on another flight within the 48-hour window, you will have the option of receiving a refund or booking a later flight.
However, there will be no compensation if the cause of the delay is beyond their control.
Finally, if you request a refund, it must be given to you within 30 days.
The method of reimbursement
Effective September 8, 2022, if the carrier cannot issue you a new confirmed ticket within 48 hours of your original departure, you may request a refund.
A refund of the unused portion of the ticket must be made in the original form of payment for flight delays and cancellations for reasons beyond the airline’s control. The carrier may also issue a travel credit if and only if it does not have an expiration date.
Changes to the Air Passengers Protection Regulations (September 2023)
In a press release, the government has proposed certain changes to the APPR that could be in effect as of September 30, 2023.
Basically, these changes are intended to close the various loopholes with the current rules so that passengers can be compensated more easily. Indeed, when the RPPA was introduced in 2019, airlines had to compensate their customers when a delay or cancellation occurred within their control such as a lack of crew for example.
However, events beyond their control such as weather or security-related issues were not eligible for compensation. Therefore, these reasons were often cited as the cause of delays.
With the changes that came into effect in September 2022, the government has established measures that require airlines to rebook the passenger on another flight within a 48-hour window, as explained earlier in this article.
For 2023, the federal government aims to place the burden of proof on the airline to avoid the need for customers to demonstrate that the reason for the delay was actually within their control. This is indeed a problem right now, as we often see people getting different explanations about their travel blunders when they were all on the same flight!
Travel insurance
Travel insurance should not be overlooked even though the RPPA protects against flight delays and cancellations. For example, a flight delay could result in the loss or late arrival of your luggage!
The Air Passenger Protection Regulations assure that the carrier must book you on another flight within 48 hours. However, if your bags get lost in the airport rush, good insurance will reimburse you to replace your belongings. So, you can buy your bathing suits and start your vacation at your all-inclusive resort.
Travel insurance from National Bank’s World Elite Mastercard® is the best in the market. Since you’ll probably be paying for your trip with a credit card, get a card that offers excellent insurance for you and your family!
Bottom line
The changes to the Air Passenger Protection Regulations bode well for Canadian travellers even though the APPR falls far short of the European Union’s charter.
Will these changes be meaningful? Only time will tell.
Our valuationⓘMilesopedia first-year estimateFirst-year valueAnnual fee rebated$150Total$150Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
With Milesopedia, take advantage of an exclusive offer: your first-year annual fees are refunded with the National Bank World Elite Mastercard. This offer is exclusively available on the Milesopedia network, from June 30 to November 4, 2026.
Refund of the first-year annual fee (a $150 value) for the primary cardholder. This fee is charged to your new card account, then refunded as a credit on your statement within five months of opening your account, provided it remains open and in good standing.
The National Bank World Elite Mastercard is the best Mastercard credit card offered by NBC.
With this card, you earn up to 5 points per dollar on your purchases:
5 points per dollar for groceries and restaurants
2 points per dollar on gas and electric recharge purchases
2 points per dollar on recurring bills
2 points per dollar on À la carte Travel
1 point per dollar for all other purchases
And since it’s an NBC mycredit Mastercard, you can use it at Costco.
With this card, you have access to a $150 annual travel credit that you can use in any of these categories:
Airport parking
Baggage fees
Seat selection
Access to airport lounges
Airline ticket upgrades
What’s more, you can enjoy access to DragonPass airport lounges and unlimited access to the National Bank Lounge at Montreal-Trudeau.
Finally, Milesopedia has named the National Bank World Elite Mastercard as the Best Travel Credit Card in 2023, 2024, 2025, and 2026.
Legal
® Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. National Bank is an authorized user.
® The À LA CARTE REWARDS logo is a registered trademark of National Bank of Canada.
® NATIONAL BANK OF CANADA LOUNGE is a registered trademark of National Bank of Canada.
® À LA CARTE REWARDS PLAN is a registered trademark of National Bank of Canada.
® Apple Pay is a registered trademark of Apple Inc., registered in the U.S. and other countries. Apple Inc. is not a sponsor of or participant in National Bank Mobile Banking Solutions.
® Google Pay is a registered trademark of Google LLC. Use of this trademark is subject to Google Inc. Permissions.
TM À LA CARTE TRAVEL is a trademark of National Bank of Canada. The À la carte Travel agency is owned by Transat Distribution Canada Inc. and holds a Quebec permit (No. 753141).
TM À LA CARTE REWARDS is a trademark of National Bank of Canada.
® THE TOTAL, THE CONNECTED and NATIONAL BANK are registered trademarks of National Bank of Canada.
* Mastercard® World Elite®
The National Bank® World Elite® Mastercard® credit card was voted best Mastercard credit card by Milesopedia in 2026, 2025 and 2024.
The National Bank® World Elite® Mastercard® credit card was voted best travel credit card by Milesopedia in 2026, 2025 and 2024.
Every year, Milesopedia reviews credit card offers from major financial institutions and establishes its Ranking based on over 150 criteria such as fees, welcome offer, minimum income required, number of points per category, account credits, insurance, airport lounge access, etc.
Certain restrictions apply. For more information, see the Rewards Plan section or the Plan Rules applicable to point accumulation.
Grace period: No interest is charged on purchases made during the month if the cardholder pays the full balance of their account within twenty-one (21) days of the statement date. This grace period does not apply to cash advances and balance transfers. Minimum payment: if your account balance is less than $10, you must pay the balance in full. If you reside in the province of Quebec, your minimum payment is 5% of your account balance plus any overdue amount, or $10, whichever is greater. If you reside outside Quebec, your minimum payment is 2.5% of the credit card account balance plus any overdue amount, or $10, whichever is greater. Account statement: an account statement is sent monthly.
Table of examples of credit fees calculated over a 30-day period
Annual interest rate
$500
$3,000
22.49%
$9.24
$55.45
20.99%
$8.63
$51.76
13.2%
$5.53
$33.16
9.2%
$3.78
$22.68
*Variable interest rate in effect as of September 1, 2021.
Balance transfers and cash advances are subject to National Bank credit approval. Each amount transferred cannot be less than $250.
Exclusive to World Elite Mastercard cardholders. Presentation of the physical credit card and boarding pass is required to access the lounge. The National Bank® Lounge is accessible to customers traveling on international flights only (excluding flights to Canada and the United States). You benefit from free and unlimited access with one guest and two children aged 12 and under. Until October 4, 2026 (date subject to change), customers can enter the National Bank Lounge three hours before their flight departure time. From October 5, 2026 (date subject to change), access will be authorized for a maximum duration of 2 hours (3 hours for customers who hold a Private Banking 1859® World Elite® Mastercard® credit card). National Bank customers who are not World Elite ® Mastercard ® cardholders can also access the current lounge based on current rates and benefit from a 25 % discount on these rates : 63,24 $ taxes included for adults (excluding discount) $40.24 taxes included for children aged 2 to 12 (excluding discount) free for children under 2 (excluding discount) The entry fee is subject to change without notice and is the responsibility of the lounge operator.
Subject to providing the required supporting documents in the manner and within the prescribed timeframe. Certain conditions may apply. Only the primary cardholder of a National Bank World Elite Mastercard (Cardholder) whose account is in good standing can request a « Travel Fee Reimbursement ». « Account in good standing » means an account linked to the credit card that does not violate the Credit Card Agreement in any way and on which no restrictions apply. For example, and without limitation, the associated annual fees must have been paid in full. The maximum reimbursement of $150 can be requested from January 1 to December 31 of each year. Eligible expenses are: airport parking baggage fees seat selection airport lounge access worldwide airline ticket upgrades A reimbursement request must be made within 60 days of the purchase date. Travel expenses must be charged to the National Bank World Elite Mastercard credit card account. The maximum reimbursement of $150 is applicable per account. Please allow up to 7 business days for the reimbursement to be processed from the date your request is submitted. National Bank reserves the right to request additional supporting documents for validation purposes (e.g., invoices). You must keep all receipts and supporting documents for a period of 12 months from the date you made your reimbursement request. An unused reimbursement in one year cannot be carried over to the next year. You can make your request online at rewards.nbc.ca or by calling 1-800-341-8083 (toll-free) for an agent to assist you with your travel fee reimbursement request.
Point accumulation on grocery and restaurant spending depends on the total gross monthly amount charged to the credit card account, across all categories. Earn 5 points per dollar spent on eligible grocery and restaurant purchases. The 5 points per dollar accumulation is valid for the first $2,500 of gross monthly purchases charged to the account. Beyond this amount, eligible grocery and restaurant spending will earn 2 points per dollar. The calculation of the gross monthly purchase amount is based on monthly billing. A grocery purchase means a purchase made at a merchant whose primary business is selling food, such as a grocery store, delicatessen, supermarket, fruit store, or specialty food store. Meal kit subscriptions and meal delivery services are eligible. Therefore, this definition excludes, among others, retail stores and big-box stores whose primary business is selling non-food items. Some merchants may sell products or services identical or similar to those of eligible merchants, or are separate merchants located on the same premises as eligible merchants, but are classified by Mastercard in different categories. Purchases made from other merchants only earn base reward points. A restaurant purchase means a purchase made at a restaurant, including quick-service restaurants, bars, discotheques, nightclubs, and taverns. To view the full list of Mastercard codes associated with eligible merchants, download the À la carte Rewards Plan® terms and conditions document.
These protections apply if the purchases or rental are paid for in part with the card before departure, except, if applicable, for out-of-province medical-hospital insurance for which it is not necessary to charge the purchase of an à la carte trip and for baggage delay protection where the full cost of transport must have been charged to the card. All these protections apply to the primary cardholder, their spouse and/or their dependent children when they (spouse and dependent children) travel with the cardholder. Extended warranties apply to most new items purchased with the card, in Canada or abroad, provided the manufacturer’s warranty exists and is valid in Canada. Certain conditions, limitations and restrictions apply. For more information and details regarding your insurance coverage, please consult the insurance certificate linked to your card.
Subject to credit approval by National Bank.
Certain conditions apply. Visit mastercard.ca for more information. See all credit card terms and conditions.
To earn 2 points per dollar spent, you must pay for your gas or electric charging purchases at a gas station or certain big-box stores. Some merchants may sell products or services identical or similar to those of eligible merchants, or are separate merchants located on the same premises as eligible merchants, but are classified by Mastercard in different categories. Purchases made from other merchants only earn base reward points. To view the full list of Mastercard codes associated with eligible merchants, download the À la carte Rewards Plan® terms and conditions document.
Recurring bill payments are defined as payments made monthly or regularly that are automatically charged by the merchant to your National Bank World Elite Mastercard. Not all merchants offer recurring payments, and not all recurring payments are considered recurring bill payments. Therefore, some payments may not qualify for accelerated reward points.
To earn 2 points per dollar spent, you must pay for your eligible purchases through the À la carte TravelTM agency section of our À la carte RewardsTM site.
For example, if you spend $400 monthly on groceries, $200 on gas, $100 on recurring bills and $150 on other purchases, the $850 spent will generate 2,750 points, broken down as follows: 2,000 points for grocery spending (since the total gross monthly amount is $850, which is less than $2,500), 400 points for gas spending, 200 points for recurring bills and 150 points for other purchases.
Insurance up to $1,000 in case of breakage, loss or theft of mobile devices for a maximum period of 2 years following the date of purchase. Subject to purchasing the device with the National Bank World Elite Mastercard or a phone service subscription paid by recurring payments from your National Bank Platinum Mastercard starting September 1, 2022. For all conditions, please consult the insurance certificate linked to your card.
Annual fee
Primary card$150
Additional card$50
Annual income required
Individual$80,000
Household$150,000
Conversion fees
2.5%
Earning rate
5xRestaurants
5xGroceries
2xTravel
2xBills & recurring payments
2xGas & EV
1xAll spending
Value
1st Year Value$778
2nd Year Value$923
Card benefits
Airport lounge access$400
Travel creditsIncluded
Travel insurance
Travel medical (under 55)Up to $5,000,000 / 60 days
Our valuationⓘMilesopedia first-year estimateFirst-year valueWelcome bonus$469Annual fee rebated$120Total$589Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
The BMO eclipse Visa Infinite* Card is one of the best Visa Infinite rewards credit cards in Canada. Its welcome offer lets you earn up to 70,000 BMO Rewards points, for a total value of up to $1,150*.
It also includes a monthly statement credit for streaming services, an annual $50 lifestyle credit, and no annual fee for the first year (a $120 value)*.
With the BMO eclipse Visa Infinite* Card, you also get:
5x BMO Rewards points for every dollar spent on groceries, meal delivery or takeout, rideshare, public transit, and gas*
1 BMO Rewards point for every dollar spent on all other purchases*
10% more points when you add an authorized user to your account*
Mobile device insurance offering coverage up to $1,000*
The Pay with Points feature, which allows you to redeem your points on recent purchases starting at $1*
Six months of Instacart+ membership plus a monthly $10 Instacart credit with an eligible card*
Legal
*Terms and conditions apply
BMO is not responsible for updating the content of this site. For the most up-to-date information, please click on the Online Application link.
Annual fee
Primary card$120
Additional card$50
Annual income required
Individual$60,000
Household$100,000
Conversion fees
2.5%
Earning rate
5xRestaurants
5xGas & EV
5xGroceries
5xTransit
1xAll spending
Value
1st Year Value$1,128
2nd Year Value$365
Travel insurance
Travel medical (under 55)Up to $5,000,000 / 21 days
Travel medical (55-64)Up to $5,000,000 / 21 days
Travel AccidentUp to $500,000
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 1 years
Auto Rental CollisionUp to $65,000 / 48 days
Our editorial integrity
Our reviews and rankings are based on an objective assessment. Advertisers do not influence our content. We may receive compensation through some links; our analysis and opinions remain independent.
