The Best Credit Cards for Travel Insurance - September 2026

These credit cards have the best insurance coverages in the country for your travels and purchases.

The number of days covered matters more than the headline limit. All six cards below cover a rental car for 48 days, but their emergency medical coverage runs from 15 to 60 days before age 55, and drops to between 3 and 15 days from age 65.

Here is a table summarizing the different offers. For more details, read on or click on the name of a card.

Coverage duration and the age 65 threshold

The table brings together the durations for every card on this page, the figure that actually separates two cards whose limits look alike.

The National Bank World Elite Mastercard stands clearly apart on this measure. It covers 60 days before age 55, twice the next card on the list, and keeps 15 days at 65 and over where the others fall to 3 or 4 days.

What the market offers after 65

A handful of cards keep enough coverage past 65 for a two-week trip, and the gap between them becomes the first thing to compare.

Of the 279 active Canadian credit cards whose insurance grid is documented, 112 provide emergency medical coverage before age 55. Of those, 48 provide none at all from age 65. For the cards that continue, the average duration falls from 19.6 days before 55 to 6.7 days from 65 onward.

No active Canadian credit card goes beyond 15 days of emergency medical coverage at 65 and over. Past two weeks of travel, a private policy takes over regardless of what is in your wallet.

Our detailed guides on this topic:

Frequent Asked Questions about credit cards

Here are some frequently asked questions in the milesopedia community about credit cards in Canada.