Wealthsimple Cards: Travel Insurance Finally Available in Quebec
Quebec residents can now enrol in travel insurance with Wealthsimple’s Infinite+ and Infinite Privilege cards. Learn how to activate it and compare uncapped cash back, fees, and coverage.
Wealthsimple travel insurance is finally available to Quebec cardholders with a Visa Infinite+ or Visa Infinite Privilege card. Since November 2, 2026, you can enrol in emergency medical, trip cancellation and interruption, baggage, and flight delay coverage. You must give your consent: receiving the email does not activate the insurance. Coverage starts from activation, subject to the certificate’s conditions.
The change strengthens an appealing combination for travellers: unlimited 2% cash back, no added foreign transaction fees on purchases, and an annual fee that can be waived. These benefits apply to Infinite+ and Infinite Privilege. The Visa Infinite 1% card in beta follows different rules.
Compare the Wealthsimple Visa Infinite+ Card and Wealthsimple Visa Infinite Privilege Card to find the version that fits your circumstances.
For everyday purchases and your next trip, consider the Wealthsimple Visa Infinite+ Card or, if you meet its criteria, the Wealthsimple Visa Infinite Privilege Card. Both offer unlimited 2% cash back and no added foreign transaction fees on purchases.
Terms and certificates checked on November 10, 2026. All amounts are in Canadian dollars.
Wealthsimple travel insurance in Quebec: activate it before travelling
The email sent to cardholders announces four protections: out-of-province or out-of-country emergency medical insurance, trip cancellation and interruption insurance, delayed and lost baggage insurance, and flight delay insurance.
In Quebec, these group insurance coverages are optional and require enrolment. Wealthsimple explains in its email that cardholders must provide explicit consent. The coverages are issued by Chubb Insurance Company of Canada, through Walnut Insurance Inc.
For Infinite+ and Infinite Privilege, enrolment comes at no additional cost. It does not change your card’s annual fee.
How to activate coverage in your account
You can follow the personal link in the email and sign in to Wealthsimple. You can also enrol directly through your card settings.
- Open your credit card account in the Wealthsimple app.
- Select the gear icon in the upper-right corner.
- Choose the option to add travel coverage under your card benefits.
- Read the coverages and certificates, then select the enrolment consent checkbox.
- Confirm using Add benefits, as shown in the screenshot below.
- Check that Wealthsimple confirms your enrolment.
On the website, open your credit card account details and select the option to add travel coverage. New applicants can also enrol after pre-approval.
The official enrolment and confirmation instructions explain the process. Wealthsimple’s benefits comparison also distinguishes the 1% beta card.
Wait for confirmation
Your settings may show that enrolment is being processed while Wealthsimple confirms it. The company says it will send an email when enrolment is confirmed. If enrolment fails, contact support.
November 2 is the availability date, not a retroactive activation date for every account. A trip you already booked and paid for does not automatically become covered for cancellation, interruption, baggage, or flight delays. For the Quebec coverages concerned, Wealthsimple says reservations and payments must follow enrolment. Confirm your circumstances before relying on a benefit.
Three Wealthsimple cards with different rules
The two cards paying 2% cash back are the focus of this announcement. The Infinite+ certificate also covers the older Visa Infinite 2% card. That older product must not be confused with the new Visa Infinite 1% card in beta.
Visa Infinite+: 2% cash back and travel coverage at no extra cost
The Wealthsimple Visa Infinite+ offers 2% cash back without spending categories or an annual rewards cap. It also waives added foreign transaction fees on purchases in other currencies. Quebec residents can now enrol in the four travel coverages at no additional cost.
Its medical and trip cancellation limits are lower than the Privilege card’s limits. It does not include the rental vehicle collision and damage insurance provided under the Privilege certificate.
View the offer and apply for the Wealthsimple Visa Infinite+.
Visa Infinite Privilege: higher travel insurance limits
The Wealthsimple Visa Infinite Privilege has the same base cash back rate and foreign transaction fee benefit. Its main insurance advantages are higher medical, cancellation, interruption, and baggage limits.
It also includes collision and damage insurance for eligible rental vehicles, plus access to the Visa Airport Companion program under its conditions. Qualification requirements are higher than for Infinite+.
See the Wealthsimple Visa Infinite Privilege offer.
Visa Infinite 1%: a customizable beta card
The third card offers unlimited 1% cash back and no annual fee, without meeting the fee-waiver conditions for the 2% cards. During beta, it is available by invitation; Wealthsimple has not announced a general waitlist for it.
You select three personalized benefits. The foreign transaction fee benefit and each of the four travel insurance coverages are separate choices. You cannot fit all five into three selections. Wealthsimple’s help page says selections are locked for 12 months.
Purchase protection and extended warranty are included. Other insurance benefits apply only when selected and confirmed. This card’s certificate dates the Quebec coverages from October 23, 2026, rather than November 2. Our review of Wealthsimple’s three cards explains the differences.
What travel protection do you get?
The amounts below are maximum reimbursements for eligible losses, rather than automatic payouts. Quebec residents must enrol in the four travel coverages on the 2% cards. On the 1% card, each coverage must also be among the selected benefits.
| Coverage | Visa Infinite 1% (beta) | Infinite+ / older Infinite 2% | Visa Infinite Privilege |
|---|---|---|---|
| Emergency medical | Optional: up to $1,000,000 | Up to $1,000,000 | Up to $2,000,000 |
| Medical duration and age | If selected: first 21 days; under 65 | First 21 days; under 65 | First 21 days; under 65 |
| Cancellation / interruption | Optional: $1,000 per person; $3,000 per trip | $1,000 per person; $3,000 per trip | $1,500 per person; $5,000 per trip |
| Baggage delayed > 6 hours | Optional: up to $500 | Up to $500 | Up to $1,000 |
| Lost / damaged baggage | Optional: up to $750 | Up to $750 | Up to $1,000 |
| Combined baggage maximum | Optional: $1,000 | $1,000 | $1,250 |
| Eligible flight delay | Optional: 3-hour threshold; limits below | 3-hour threshold; limits below | 3-hour threshold; limits below |
| Rental vehicle collision / damage | Optional; eligible rentals of 31 days or less | Not included | Included; eligible rentals of 31 days or less |
Emergency medical: up to $2 million
The eligible emergency medical expense limits are:
- Visa Infinite+: up to $1,000,000.
- Visa Infinite Privilege: up to $2,000,000.
- Visa Infinite 1%, if selected: up to $1,000,000.
The supplied certificates cover the first 21 consecutive days of an eligible trip for insured people under age 65. Departure and return days count. Coverage ends upon returning to your province, at the applicable time limit, or when the card or coverage terminates.
A detail to check: some help pages still state 14 days. The supplied English and French certificates, updated in October and November 2026, state 21 days. Check the certificate attached to your card and have the insurer confirm any discrepancy before departure.
Medical coverage concerns emergencies outside your home province or territory, including elsewhere in Canada. Eligibility requires valid government health insurance and an account in good standing. Unlike the booking-related coverages, the medical section does not make charging the trip to the card an eligibility condition.
Medical services and useful sublimits
Eligible expenses can include hospital care, physicians, certain prescriptions, and ambulance services. Medical evacuation and transportation require approval and coordination under the certificate.
- Dental treatment following an accidental injury: up to $2,000.
- Emergency relief of dental pain: up to $200.
- Certain prescribed paramedical services: up to $250 per discipline.
- Approved private nursing during hospitalization: up to $5,000.
- Additional hotel and meals because of a medically delayed return: up to $150 daily, to a maximum of $1,500.
- Excess baggage returned following an eligible air ambulance evacuation: up to $500.
The certificate also addresses returning dependent children, returning a vehicle, and a family member’s bedside visit, subject to conditions. Returning remains has specific arrangements and sublimits, including preparation or burial expenses.
Automatic extensions apply in defined circumstances: eligible hospitalization and up to five days after discharge, up to five days for certain medically delayed returns, or up to 72 hours for an eligible carrier delay. They do not extend a holiday you choose to prolong.
Trip cancellation and interruption: what can be reimbursed?
- Infinite+ and the selected benefit on the 1% card: up to $1,000 per eligible person, with a $3,000 maximum per trip.
- Infinite Privilege: up to $1,500 per eligible person, with a $5,000 maximum per trip.
Cancellation concerns eligible prepaid costs that cannot be refunded or transferred. Interruption can cover certain extra economy transportation costs and unused prepaid arrangements. An eligible delayed return can also trigger hotel and meal benefits of up to $150 daily, to a $1,000 maximum, subject to the applicable limits.
The full cost of the covered trip must be charged to the card. The certificate defines this cost after deducting redeemed travel rewards, provided a dollar amount is paid with the card. Paying only a small part of an ordinary booking does not automatically meet that requirement.
Covered reasons for cancellation or interruption
Listed events include an unexpected illness or injury with a physician’s written recommendation, a death, hospitalization of your host, a jury or witness summons, and a disaster making a principal residence uninhabitable.
The certificate also addresses certain recalls to public service, an employer-required relocation before departure, and specific transportation disruptions. Some situations require losing at least 30% of the trip’s duration. For certain connecting transportation incidents, the original schedule must allow arrival at least two hours before departure.
Global Affairs Canada advisories can qualify only in the circumstances described, including timing and reasons. Epidemic exclusions also apply. This is not cancel-for-any-reason insurance.
Baggage: the limits differ substantially
For Infinite+, the maximums are:
- Checked baggage delayed more than six hours: up to $500 in essential purchases.
- Lost or damaged checked baggage: up to $750.
- Combined maximum: $1,000.
For Infinite Privilege:
- Emergency purchases: up to $1,000.
- Lost or damaged checked baggage: up to $1,000.
- Combined maximum: $1,250.
The selected baggage benefit on the 1% card uses the Infinite+ limits. Purchases must take place before the bags are returned and within 96 hours of arrival. The full airline ticket cost must be charged to the card. Baggage delays on the final leg home are excluded.
Keep receipts and the carrier’s report. Excluded contents include electronic equipment, cameras, cash, valuable documents, and business items. Insuring a suitcase does not mean everything inside it qualifies.
Flight delays: after three hours, subject to conditions
Coverage addresses certain departure delays, missed connections, and denied boarding caused by overbooking when no replacement transportation is offered within the specified three-hour period.
Read these certificate limits together:
- Necessary expenses: up to $1,000 per day.
- Duration: up to 48 hours, or until another flight is offered.
- Multiple claimants: up to $1,000 per person and $2,500 per occurrence.
Do not multiply these figures to assume a higher payment. The full ticket cost must be paid with the card. You must have checked in and allowed the required connection time. Hotel, meal, and emergency purchase expenses must be documented. Payments by a carrier or another insurer are considered: the same expense cannot be reimbursed twice.
Who is insured, and which exclusions matter?
Spouses and dependent children
Travel coverages concern the eligible cardholder, spouse, and dependent children. An eligible spouse can be covered while travelling without the cardholder. Dependent children must travel with the cardholder or spouse.
The certificate’s definition includes unmarried children living in the same household who are under 21, or under 26 and attending college or university full-time. A separate provision addresses certain disabled children entirely dependent on the cardholder.
Everyone must meet the applicable eligibility requirements. The under-65 restriction belongs to emergency medical coverage; it should not be presented as the age limit for every benefit. A travelling companion whose illness triggers cancellation is not automatically an insured person.
Pre-existing conditions and other important exclusions
Medical coverage excludes pre-existing conditions that were not stable during the six months before departure. For cancellation and interruption, the relevant stability period precedes the start of the corresponding coverage. Stability involves more than feeling well: medication changes, new symptoms, pending tests, or a specialist referral can matter.
Other exclusions address foreseeable events, non-emergency care, certain travel advisories, travel against medical advice, alcohol or drug abuse, professional sports, and specified dangerous activities.
The certificates also contain clauses concerning pregnancy complications during the nine weeks before the expected delivery date, certain mental or emotional conditions, intentional or criminal acts, war, and computer incidents. Exclusions differ between benefits, so read the section that applies to the loss.
The Wealthsimple Visa Infinite+ Card combines cash back with travel protection; the Wealthsimple Visa Infinite Privilege Card is worth comparing if you want higher medical and cancellation limits. Quebec cardholders must enrol in travel insurance after getting the card.
Other card protections worth knowing
Rental vehicles: a Privilege advantage
Infinite Privilege includes collision and damage insurance for certain vehicles rented for no more than 31 consecutive days, with an MSRP of $100,000 or less, subject to vehicle exclusions. The full rental cost must be charged to the card. The rental agency’s collision damage waiver generally must be declined where legally permitted.
If the rental exceeds 31 days, the certificate also excludes the first 31 days. This is not liability insurance or coverage for injuries to occupants. Check the excluded vehicles and uses before booking.
Infinite+ does not include this coverage. It can be selected as one of the three personalized benefits on the 1% card.
Purchases and mobile phones
Purchase protection covers certain new items paid for entirely with the card against theft or damage for 90 days. Extended warranty doubles an eligible manufacturer’s warranty by up to one additional year, provided the original warranty is no longer than five years. The limit is $1,000 per claim, with a $10,000 total maximum per cardholder for these coverages.
Mobile phone insurance on the 2% cards provides up to $1,000 per claim, a maximum of two claims in 12 months, and a $50 deductible. It requires paying the monthly wireless bill with the card. Coverage starts on the first day of the following calendar month; missing a monthly payment suspends coverage. On the 1% card, mobile phone insurance must be selected.
Why the 2% cards are more appealing in Quebec
Unlimited cash back without spending categories
Infinite+ and Infinite Privilege pay 2% cash back on eligible purchases, without an annual cap or category tracking. Cash-like transactions, refunds, fees, and adjustments are excluded.
For $30,000 in eligible annual purchases:
- Base cash back: $600.
- Annual fee with a waiver: $0.
- Standard annual fee without a waiver: $240.
- Cash back after that standard fee: $360, before other possible costs.
No added foreign transaction fees on purchases
The two 2% cards do not add foreign transaction fees to purchases in other currencies. Visa’s exchange rate still applies: no FX fee does not guarantee an interbank rate.
Example for foreign-currency purchases equivalent to $5,000 CAD:
- Added charges on a card with a 2.5% FX fee: $125.
- FX fees added by Wealthsimple: $0.
- Wealthsimple base cash back on those eligible purchases: $100.
Avoided fees and earned rewards are separate advantages, rather than a guaranteed 4.5% cash back rate. When a terminal offers to convert your purchase to Canadian dollars, paying in the local currency generally lets Visa handle conversion. A merchant’s conversion can include its own markup.
How to have the annual fee waived
As of November 10, 2026, Wealthsimple lists two main routes for waiving Infinite+ and Infinite Privilege fees:
- Hold at least $100,000 individually in net deposits or total assets with Wealthsimple, excluding business or corporate accounts.
- Receive at least $4,000 in qualifying direct deposits into your personal Wealthsimple chequing account in a calendar month. The current help page considers the previous or current calendar month for the applicable billing cycle.
A transfer between your own accounts is not automatically a qualifying direct deposit. Being in a Premium or Generation household no longer automatically qualifies new cases for a waiver, effective April 28, 2026. Wealthsimple says household-based waivers already granted before that date remain honoured until further notice.
In Quebec, the standard fee is $240 annually, charged at issuance if you do not qualify. If you qualify later, Wealthsimple provides a prorated refund for remaining months in the card year, at $20 per month. Check your next statement. The official eligibility and fee conditions explain the details.
Meet a fee-waiver condition? Check your eligibility for the Wealthsimple Visa Infinite+ Card or the Wealthsimple Visa Infinite Privilege Card to earn uncapped 2% cash back with no added FX fees and an annual fee that can be $0.
Card eligibility is separate from the fee waiver
You must live in Canada, have reached the age of majority, and hold an active Wealthsimple chequing account. Approval remains subject to Wealthsimple’s assessment.
For Infinite+, the help page says you must meet at least one of these thresholds:
- Personal income: $80,000.
- Household income: $150,000.
- Savings and investments: $300,000.
- Annual credit card spending: $25,000.
For Infinite Privilege, the corresponding thresholds are:
- Personal income: $150,000.
- Household income: $200,000.
- Savings and investments: $400,000.
- Annual credit card spending: $50,000.
These qualification criteria are different from the requirements for eliminating the annual fee. Some clients may still encounter a waitlist.
Claims: prepare before you leave
For a medical emergency, contact Chubb Travel Assistance at 1-833-654-1253, or 514-285-0187 collect, before treatment where possible, within 24 hours of hospital admission, or as soon as reasonably possible.
Not calling, or using an unapproved provider, can trigger a 20% contribution on the first $25,000 of covered medical expenses remaining after government health insurance payments, under the certificate’s conditions.
For general claims, contact Crawford & Company at 1-888-359-0394. Report cancellation or interruption promptly: waiting more than 48 hours can reduce benefits. Travel certificates generally require written notice within 30 days and completed documentation within six months. Specific deadlines differ for other benefits, including phones and rental vehicles.
Keep card statements, invoices, trip confirmations, proof of points used, carrier reports, and relevant medical documentation.
Keep the three certificates
- Infinite+ and older Visa Infinite 2% certificate, updated November 2, 2026.
- Visa Infinite Privilege certificate, updated November 2, 2026.
- Visa Infinite 1% beta certificate, updated October 23, 2026.
This overview helps you compare. The certificate and master policy definitions, exclusions, sublimits, and conditions determine actual coverage.
More Wealthsimple announcements to follow
Quebec travel coverage joins several recent developments. Wealthsimple has announced a business credit card with no FX fees, planned for early 2027. It is a separate product from the personal cards discussed here.
You can also read about Wealthsimple accounts for kids and teens and follow our Wealthsimple promotions page. To compare with another travel card, see our Infinite+ Wealthsimple and TD First Class Travel comparison.
For eligible Quebec travellers who qualify for the fee waiver, the 2% cards now combine unlimited cash back, purchases abroad without added FX fees, and travel insurance available through enrolment at no extra cost. Check your eligibility, choose the right card, and confirm activation before booking.
Compare the Wealthsimple Visa Infinite+ or review the Wealthsimple Visa Infinite Privilege.
Explore more options in our best credit cards in Canada guide, and follow updates through the Milesopedia newsletter.
Milesopedia may receive compensation when you use certain card application links.
Ready to choose a travel card? Review the Wealthsimple Visa Infinite+ offer and the Wealthsimple Visa Infinite Privilege offer, then compare eligibility requirements and insurance limits with your circumstances.
Frequently asked questions
Is Wealthsimple travel insurance automatically active in Quebec?
You must enrol and give your consent. Follow the email link or open your credit card account settings, then check for confirmation.
Does adding the four travel coverages cost extra?
Enrolment is available at no additional cost for Infinite+ and Infinite Privilege in Quebec. Standard card fees still apply unless you qualify for a waiver.
Do all three cards offer 2% cash back and no FX fees?
Infinite+ and Infinite Privilege offer unlimited 2% cash back and no added FX fees on purchases. The beta card pays half that base rewards rate; the FX fee benefit must be selected as one of three personalized benefits.
Can my spouse travel alone with medical coverage?
The certificate allows an eligible spouse to travel without the cardholder, subject to all conditions. Dependent children must travel with the cardholder or spouse.
Is a booking paid before enrolment covered?
Do not assume retroactive protection. Wealthsimple says the Quebec cancellation, interruption, baggage, and flight delay coverages concerned require bookings and payments after enrolment. Medical insurance follows its own departure and effective-date conditions.
Can I cancel insurance without closing the card?
Enrolment is optional. Contact support to cancel. The current help page says cancelling travel coverage on a 2% card removes all four coverages together and cannot be completed directly in the app.
