enviro Visa insurance coverage

enviro™ Visa* cardholders enjoy a wide range of insurance1 benefits. Here is a summary of the insurance coverage depending on the card type you choose:

Extended warranty

Double or extend the manufacturer’s warranty by up to one year on most items when you use your enviro Visa to make a purchase.

Applicable to Vancity enviro Classic*, enviro Gold, enviro ExpenseGold Visa, and enviro Reloadable Prepaid Visa cards only.

Auto rental collision/loss damage insurance

Save between $15 and $22 a day when you rent a car using your enviro Gold or enviro ExpenseGold Visa, and decline the Rental Agency’s collision damage waiver or an equivalent coverage offered by the rental agency.

Applicable to Vancity enviro Gold and enviro ExpenseGold Visa cards only.

Purchase security insurance

Most items you buy with your enviro Visa will be repaired, replaced or reimbursed in the event of theft or damage within 90 days of the purchase date.

Applicable to Vancity enviro Classic*, enviro Gold, enviro ExpenseGold Visa, and enviro Reloadable Prepaid Visa cards only.

Delayed and Lost Baggage Insurance

If your baggage is delayed on your way to your destination, you'll be reimbursed for the cost of essential items for up to four days, when you use your enviro Gold or enviro ExpenseGold Visa to purchase your common carrier ticket. In the event the common carrier does not locate your baggage, you’ll be reimbursed for the portion of the replacement cost that isn't covered by the common carrier or other insurance.

Applicable to Vancity enviro Gold and enviro ExpenseGold Visa cards only

Price protection insurance

If you charge the full cost of an eligible product to your enviro Gold Visa and then find it at a lower written advertised price, you’ll be reimbursed for the difference within 60 days of purchase. Total claims can not exceed $1,000 in any calendar year.

Applicable to Vancity enviro Gold Visa cards only.

Travel accident insurance

Receive up to $500,000 of Travel Accident Insurance at no charge when you use your enviro Visa to purchase your common carrier fare.

Applicable to Vancity enviro Gold and enviro ExpenseGold Visa cards only.

For more information, please review the Visa Insurance Agreement or call us at 604.877.4999 or toll-free outside Greater Vancouver at 1.800.611.8472.

Optional insurance coverage

Travel medical/trip cancellation/trip interruption insurance

Before your next trip out of the province or country, protect yourself from unexpected emergencies with TuGo™ Travel Insurance3. As an enviro Visa cardholder, you can purchase optional annual multi and single trip travel medical insurance even if you have a pre-existing medical condition. Enjoy the travel delay benefit (up to $300 if your flight is delayed beyond 4 hours) as well as trip cancellation/trip interruption insurance and more. To find out what's covered, review the coverage certificate or call us at 604.231.3067 or toll-free at 1.866.590.8472. Check out all your options today!

Available for enviro Gold and enviro ExpenseGold, enviro Classic* Visa cards only.

Balance protection insurance

Balance Protection Insurance2 helps protect your finances when the unexpected happens.

  • If your earnings are interrupted by disability, job loss or strike, a monthly payment representing 5% of your outstanding balance on your credit card statement will be made to your account.
  • In the event of death, diagnosis of an insured critical illness or an accidental dismemberment/paraplegia, a lump sum payment will be made based on your outstanding account balance up to a maximum of $25,000.

Your monthly premium rate is only $0.83 per $100 of the outstanding balance on your credit card statement making it very affordable. For example, if your balance is $500, you will only pay $4.15.

To enroll or learn more, call us at 604.877.4999 or toll-free at 1.800.611.8472. You will receive a free 30-day trial period when you enroll into the program.

Available for enviro Classic* and enviro Gold Visa cards only.

Make Good Money™

When you choose and use an enviro Visa card, you earn great rewards, while making good things happen in your community through the enviroFund™ granting program.

Just by using your card for daily transactions, you ensure every year a portion of Vancity enviro Visa card's profits are distributed back to your local community. We call it Good Money.

1 Certain definitions, benefits, limitations, and exclusions apply to all enviro Visa card insurance coverage. You will receive a copy of the Certificate of Insurance that describes the insurance coverage in more detail. The insurance coverage is subject to change or cancellation without notice. Extended Warranty, Purchase Security Insurance, Auto Rental Collision/Loss Damage, and Delayed & Lost Baggage Insurance are underwritten by American Bankers Insurance Company of Florida and Travel Accident Insurance is insurance coverage underwritten by American Bankers Life Assurance Company of Florida. The Price Protection Service is a service provided by American Bankers Insurance Company of Florida.

2 Balance Protection Insurance is underwritten for Vancity by CUMIS® Life Insurance Company. CUMIS® is a trademark of CUMIS Insurance Society, Inc. and is used under license.

3 The language in this website may not be the same as the actual policy wording which will prevail in all instances and is available upon request. Certain exclusions, limitations and conditions may apply. TuGo is a registered trademark of and is administered by North American Air Travel Insurance Agents Ltd. d.b.a. TuGo, a licensed insurance broker in British Columbia, Alberta, Saskatchewan, Manitoba, and Ontario, represented by licensed insurance agents Kathleen S. Starko and Bradley G. Dance in New Brunswick, Nova Scotia and P.E.I. 11th Floor - 6081 No. 3 Road, Richmond, BC Canada V6Y 2B2. Insurance is underwritten by Industrial Alliance Insurance and Financial Services Inc., Industrial Alliance Pacific General Insurance Corporation and certain Lloyd's Underwriters, severally and not jointly.

™ enviro, enviroFund, Make Good Money, and Vancity are trademarks of Vancouver City Savings Credit Union.
*Trademark of Visa Int., used under license.