Insurance coverage

Insurance coverage

As an enviro™ Visa* cardholder, you’ll enjoy a wide range of insurance coverage benefits. Here’s a summary of the coverage depending on the enviro Visa card you choose:

Auto rental collision / loss damage insurance1
When you rent a car for up to 48 consecutive days, decline the rental agency's collision damage waiver and charge the full cost of the rental to your enviro Visa card, you may be covered up to a specified amount if the rental car is damaged or stolen.

Applicable to Vancity enviro Gold™ Visa, enviro Visa Infinite*, enviro Visa Infinite Privilege*, enviro ExpenseGold™ Visa and enviro Visa Infinite Business* cards only. For full coverage details, visit vancity.com/VisaAgreements
Common carrier travel accident insurance1
You, your spouse and your dependent children have a specified amount of travel accident coverage for specified losses while traveling by common carrier when you purchase at least 75% of the common carrier fare with your enviro Visa card.

Applicable to Vancity enviro Classic* Visa, enviro Gold Visa, enviro Visa Infinite, enviro Visa Infinite Privilege, enviro ExpenseGold Visa and enviro Visa Infinite Business cards only. For full coverage details, visit vancity.com/VisaAgreements
Travel emergency medical insurance1
You, as the Primary Cardholder, your spouse, your dependent children and other Cardholders on your account have up to $5,000,000 in emergency medical coverage when traveling together outside of Canada (for up to 22 consecutive days for travelers under age 65 and for up to 3 consecutive days for travelers age 65 years and older).

Applicable to Vancity enviro Visa Infinite Privilege cards only. For full coverage details, visit vancity.com/VisaAgreements
Trip cancellation and trip interruption insurance1
If you are required to cancel your trip before departure for a covered cause, you are covered up to a specified amount to reimburse you for non-refundable deposits and cancellation fees if you purchase at least 75% of your common carrier fare with your enviro Visa card. If you need to return home earlier than planned due to a covered cause, you also covered up to specified amount for a change in ticketing and non-refundable eligible expenses.

Applicable to Vancity enviro Visa Infinite Privilege and enviro Visa Infinite Business cards only. For full coverage details, visit vancity.com/VisaAgreements
Flight delay insurance1
If you charge at least 75% of the fare for your flight to your enviro Visa card and your flight is delayed for more than 4 hours, you’ll be reimbursed for the cost of essential items up to a specified amount.

Applicable to Vancity enviro Visa Infinite, enviro Visa Infinite Privilege and enviro Visa Infinite Business cards only. For full coverage details, visit vancity.com/VisaAgreements
Delayed and lost baggage insurance1
If you purchase your common carrier fare with your enviro Visa card and your baggage is delayed for more than 4 hours, you’ll be reimbursed for the cost of essential items up to a specified amount. If your baggage is lost or stolen, you’ll be reimbursed for the cost of essential items up to a specified amount.

Applicable to Vancity enviro Gold Visa, enviro Visa Infinite, enviro Visa Infinite Privilege, enviro ExpenseGold Visa and enviro Visa Infinite Business cards only. For full coverage details, visit vancity.com/VisaAgreements
Emergency travel assistance services1
When experiencing a travel-related setback, you can get access to medical referral, lost luggage, legal referral and payment assistance, lost document and ticket replacement, emergency cash transfer, and pre-trip information when you call emergency travel assistance services. Additional costs may apply and will be charged to your enviro Visa card.

AApplicable to Vancity enviro Visa Infinite, enviro Visa Infinite Privilege and enviro Visa Infinite Business cards only. For full coverage details, visit vancity.com/VisaAgreements
Extended warranty insurance1
Extend the manufacturer's Canadian warranty by up to a specified amount of time on most items purchased with your enviro Visa card.

Applicable to Vancity enviro Classic Visa, enviro Gold Visa, enviro Visa Infinite, enviro Visa Infinite Privilege, enviro ExpenseGold Visa and enviro Visa Infinite Business cards only. For full coverage details, visit vancity.com/VisaAgreements
Price protection service1
If you charge the full cost of an eligible product to your enviro Visa card and then find it for a lower written advertised price within 60 days from the date of purchase, you may be reimbursed the difference.

Applicable to Vancity enviro Gold Visa, enviro Visa Infinite and enviro Visa Infinite Privilege cards only. For full coverage details, visit vancity.com/VisaAgreements
Purchase security insurance1
Most items you buy with your enviro Visa card will be protected in the event of direct physical damage or theft for a specified amount of days from the purchase date.

Applicable to Vancity enviro Classic Visa, enviro Gold Visa, enviro Visa Infinite, enviro Visa Infinite Privilege, enviro ExpenseGold Visa and enviro Visa Infinite Business cards only. For full coverage details, visit vancity.com/VisaAgreements
Mobile device insurance1
If your mobile phone or tablet is lost, stolen, accidently damaged or experiences mechanical failure, you may get up to $1,000 of coverage if you used your enviro Visa card to purchase the device or charge all monthly wireless bill payments to the card.

Applicable to Vancity enviro Visa Infinite, enviro Visa Infinite Privilege and enviro Visa Infinite Business cards only. For full coverage details, visit vancity.com/VisaAgreements
Liability waiver insurance2
Provides protection for your business against eligible unauthorized charges through card misuse by employees.

Applicable to Vancity enviro Visa Infinite Business cards only. For full coverage details, visit vancity.com/VisaAgreements


For more information, view your full insurance coverage details or call us at 604-877-4999 or toll-free 1-800-611-8472.

For enviro Reloadable Prepaid Visa cards, see the full details of your coverage and how to make a claim in the Certificate of Insurance.

Looking for optional insurance coverage and security protection to enhance your enviro Visa card experience? Learn more about our optional protection options.


1 Common Carrier Travel Accident and Travel Emergency Medical Insurance are insurance coverages underwritten by American Bankers Life Assurance Company of Florida (ABLAC) under Group Policy number VCVIL092019. All other insurance coverages are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy number VCVI092019. Price Protection Service and Emergency Travel Assistance Services are services only and not insurance and are provided by ABIC. ABIC and ABLAC, their subsidiaries, and affiliates carry on business in Canada under the name of Assurant®. ® Assurant is a registered trademark of Assurant, Inc. Details of the coverage, including definitions, benefits, limitations, and exclusions are in the Certificate of Insurance and the Statement of Services provided with the card. Read the Certificate of Insurance and Statement of Services, then keep these documents in a safe place, and take them with you when you travel.

2 Liability Waiver Insurance is underwritten by Royal & Sun Alliance Insurance Company of Canada. Conditions, limitations and exclusions apply. Please read the Liability Waiver Insurance Certificate carefully.