Credit cards with travel medical insurance
We compare 32 credit cards with travel medical insurance from 14 Canadian issuers. Annual fees range from $0 to $799. Sorted lowest annual fee first.
Updated October 2026
Credit cards with travel medical insurance compared
Travel medical insurance pays for emergency medical care while you’re out of province. Card coverage usually has a trip-length limit and age limits, so compare the number of days covered with how long you travel.
2% on restaurants
- 2% cash back on restaurants, entertainment and transit, with no annual fee
- Travel medical coverage for trips of up to 3 days
- Mobile device insurance up to $1,000
45x on Shoppers Drug Mart / Pharmaprix
- 45 points per dollar at Shoppers Drug Mart and Pharmaprix
- 30 points per dollar at Loblaw banner stores and Joe Fresh
- No annual fee, with free additional cards
3% on US-dollar purchases
- No annual fee with World Elite benefits
- 3% back on US-dollar purchases, above the 2.5% FX fee
- 1.5% cash back on everything else
2x on Porter Airlines purchases
- Annual voucher for 35% off the base fare of one Porter booking
- Automatic VIPorter Passport status with early boarding
- $89 annual fee waived in the first year
United MileagePlus Neo World Elite Mastercard
See detailsfrom Neo Financial$89 annual feeRates & fees1.25x on United Airlines & Star Alliance flights
- Free first checked bag on United-operated flights
- Group 2 priority boarding on United-operated flights
- At least 10% off United award flights
1x on all purchases
- 1.5% foreign transaction fee, below the 2.5% most cards charge
- Broad insurance, including mobile device and event ticket coverage
- Up to 30 points per dollar at Brim partner merchants
3x on foreign currency purchases
- Flat 1.5 points per dollar on everyday purchases
- 3 points per dollar on foreign currency purchases outside Canada
- First-year fee rebate, with additional cards free in year one
4% on groceries
- 4% cash back on the first $10,000 of groceries a year
- 3% on restaurants, entertainment and alternative transportation
- Mobile device insurance up to $1,500
2% on restaurants
- Travel medical for trips of up to 60 days, depending on age
- 2% in BONUSDOLLARS on dining, entertainment, travel and bills
- Mobile device insurance up to $1,000
SimplyCash Preferred Card from American Express
See detailsfrom American Express$119.88 annual feeRates & fees4% on groceries
- 2% cash back on every purchase outside the 4% categories
- 4% on gas and groceries
- Travel medical and mobile device insurance included
5x on Marriott Bonvoy stays
- 5 points per dollar on Marriott Bonvoy stays and 2 points on everything else
- Annual Free Night Award
- Automatic Silver Elite status plus 15 Elite Night Credits a year
5% on groceries
- 5% cash back on the first $500 of groceries each month
- 4% on transit and 3% on gas and EV charging
- Travel medical, trip cancellation and rental car insurance
4% on groceries
- 4% cash back on groceries, gas and EV charging
- 2% on dining, transportation and recurring payments
- First-year annual fee rebated under the current offer
5x on groceries
- 5 points per dollar in five everyday categories
- Annual birthday bonus of 10% of points earned, up to 15,000
- High $50,000 annual cap in each 5x category
1.25x on travel
- Transfer Avion points to airline partners, including Avios and Aeroplan
- Book any airline with no blackouts
- Up to 55,000 Avion points as a welcome offer
4% on groceries
- 4% cash back on groceries and recurring bill payments
- 2% on gas, EV charging, transit, rideshare and food delivery
- Redeem cash back any time once you have $25
6x at Sobeys, Safeway, FreshCo, Foodland and more
- Up to 6x Scene+ points at Sobeys, Safeway, FreshCo and Foodland
- No foreign transaction fee
- 5x on dining, food delivery and entertainment
3% on groceries
- 3% in BONUSDOLLARS on groceries and restaurants, up to annual limits
- Travel insurance for trips of up to 60 consecutive days
- 8 free lounge passes a year at Montreal-Trudeau airport
2x on groceries
- 2 points per dollar on groceries, gas, travel, transportation and bills
- Points redeem as a statement credit against any purchase
- $5 million travel medical coverage, including for travellers 65+
1.5x on groceries
- Free first checked bag on Air Canada flights
- 1.5 points per dollar on groceries, gas and EV charging
- NEXUS fee rebate
2x on travel via CIBC Rewards Centre
- Book any airline and any seat with no blackout dates
- Up to 35,000 Aventura points plus a first-year fee waiver
- 1.5 points per dollar on gas, EV charging, groceries and drugstores
1.5x on groceries
- Free first checked bag on Air Canada
- 1.5 points per dollar on groceries, gas and Air Canada purchases
- Travel medical coverage for trips of up to 21 days
3% on groceries
- 3% cash back across five everyday categories
- Free Deluxe TD Auto Club membership with 24/7 roadside assistance
- Fee rebated every year with a TD All-Inclusive Banking Plan
8x on travel via Expedia For TD
- 8 points per dollar on travel booked through Expedia For TD
- 6 points per dollar on dining and groceries
- Welcome offer of up to 146,000 TD Rewards points
5x on travel
- 5 points per dollar on travel purchases
- 3 points per dollar on dining, entertainment and recurring bills
- Airport lounge passes through Mastercard Travel Pass
2x on groceries
- 2x points on groceries, gas, travel and dining
- $100 annual travel credit offsets part of the fee
- Points transfer to airline and hotel partners
4% on restaurants
- 4% back on restaurants, entertainment and alternative transportation
- 11.9% purchase rate, unusually low for a premium card
- Up to 18 lounge visits a year across two programs
4x on Scene+ Travel
- No foreign transaction fee
- 2 Scene+ points per dollar on all purchases
- 10 VIP airport lounge passes
3x on travel via CIBC Rewards Centre (CIBC by Expedia)
- 2x points on groceries, gas, dining and transportation; 1.25x elsewhere
- $200 annual travel credit
- Six lounge visits a year and two NEXUS application fee rebates
3x on Air Canada & Aeroplan
- 3 Aeroplan points per dollar on Air Canada and Aeroplan purchases
- Maple Leaf Lounge access when you fly Air Canada
- Free first checked bag plus priority check-in, boarding and security
2x on Air Canada & Aeroplan
- Free first and second checked bags on Air Canada
- Air Canada Maple Leaf Lounge access with passes
- 1.25 points per dollar even outside the bonus categories
3x on dining & food delivery
- Unlimited airport lounge access, including Centurion and Priority Pass lounges
- $200 annual travel credit offsets part of the fee
- Points transfer 1:1 to airline and hotel partners
Questions
How many credit cards with travel medical insurance does CreditLab compare?
We compare 32 credit cards in this category from 14 issuers, with fees from $0 to $799 a year. Each one links to a full breakdown of its fees, rates and features.
Are there travel insurance options with no annual fee?
Yes. 3 of them have no annual fee, including the Desjardins Cash Back Mastercard, PC World Elite Mastercard, Rogers Red World Elite Mastercard.
More credit cards by category
Fees and rates come from each issuer’s published terms. Always confirm with the issuer before applying. See our methodology.