Does the Amex Cobalt have travel insurance?

Yes. The certificate provides out of province and out of country emergency medical insurance of up to $5,000,000 CAD per insured person, per trip, for the first 15 consecutive days, if you are age 64 or under at departure. Flight delay, baggage delay, lost baggage, hotel burglary and travel accident coverage come on top. The card product page covers the rest.

Does the Amex Cobalt have rental car coverage?

Yes, under precise conditions. The coverage pays up to the value of the vehicle at the date of loss, with no deductible, for a maximum of 48 consecutive days. You must charge the entire rental cost to the Card, decline the rental agency collision damage waiver, and rent a vehicle whose MSRP stays under $85,000 CAD before taxes. Vans, pickup trucks, limousines and recreational vehicles are excluded.

How do I make an Amex Cobalt mobile insurance claim?

First notify your Canadian wireless provider within 48 hours and ask them to suspend service. If the device was stolen, report it to police within 7 days. Then call the insurer at 1 800 243-0198, no later than 14 days after the loss, and before any repair or replacement. The benefit reaches $1,000, less a 10% deductible.

Does the Amex Cobalt Card cover trip cancellation?

No. The certificate contains neither trip cancellation nor trip interruption coverage. If you book packages far in advance, those two gaps matter. Compare our selection of the best credit cards for travel insurance, or read our comparison of the Cobalt Card and the Gold Rewards Card.

Do I have to pay for the trip with the Card to be covered?

It depends on the coverage. Emergency medical insurance applies without any prior purchase, simply because you hold a Card in good standing. Flight delay, baggage delay and lost baggage require the full airfare on the Card. Hotel burglary requires the full accommodation price. A Membership Rewards redemption still qualifies, but another rewards program does not.

Are travellers age 65 and over covered?

The certificate defines an insured person as someone age 64 or under at departure who holds a valid government health insurance plan. It therefore sets no period of medical insurance beyond that age. American Express offers top up insurance through its Enrolment Centre. Confirm your situation with the insurer before you book.