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Tipo de Cambio - Banco de Guatemala miércoles, 28 de octubre de 2026 Tipo de Cambio de Referencia vigente para el  miércoles, 28 de octubre de 2026 7.64427 Consulta de cuadros diarios (detalle) Consulta de todos los tipos de cambios de una fecha Cotización de monedas del: Consulta de una moneda específica en un rango de fechas Seleccione la moneda y el rango de fechas de la serie que desea consultar Moneda: - Seleccione moneda - Dólares de EE.UU. Yenes Japoneses Francos Suizos Dólares Canadienses Libras Esterlinas Coronas Suecas Colones Costarricenses Colones Salvadoreños Pesos Mexicanos Lempiras Hondureños Córdobas Nicaragüenses Bolivares Venezolanos Corona Danesa Euro Corona Noruega DEG Peso Argentina Real Brasileño Won Coreano Dólar Hong Kong Dólar Taiwán Yuan China Rupia Pakistán Rupee India Bolivar Fuerte Peso Colombiano Peso Dominicano Ringgit Malasia Bolívar Soberano A partir de: Hasta el: Otros servicios Puede consultar esta información por medio de WebServices ¿Qué es tipo de cambio de referencia? Ver en formato PDF (60K)

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Tipos de cambio de referencia | Banco de Guatemala Pasar al contenido principal Buscar − Aa + Restablecer Tema Institucional Qué es el Banco de Guatemala Estrategia Institucional Funciones Autoridades del Banco de Guatemala Funcionarios Superiores Marco Normativo Estructura Organizacional Memoria de Labores Transparencia Rendición de Cuentas Anual Transparencia Activa (Artículo 10 de la Ley de Acceso a la Información Pública) Prensa Actas de Comité de Ejecución por año Memoria de Labores Manuales de Procedimientos Presupuesto de Ingresos y Egresos Información sobre contrataciones Estados Financieros Fondo para la Protección del Ahorro Programa de becas Listado de Viajes Política Monetaria, Cambiaria y Crediticia Evaluación de Política Monetaria, Cambiaria y Crediticia Informe de Política Monetaria Resoluciones de Junta Monetaria Operaciones Monetarias Sistema de Pagos Estandarización de cuentas Sistema LBTR Cámara de Compensación Bancaria -CCB- Cámara de Compensación Automatizada -CCA- Modernización del Sistema de Pagos Cuentas de Depósitos Normativa Regional en Centroamérica y República Dominicana Sistema de Interconexión de Pagos de Centroamérica y República Dominicana (SIPA) Estadísticas Macroeconómicas Inflación Actividad Económica Cuentas Ambientales Sector Externo Sector Monetario y Financiero Sector Fiscal Página Nacional de Resumen de Datos (PNRD) Otros Indicadores Reservas Internacionales Política de Inversiones Informes Trimestrales Movimiento Diario de las Reservas Monetarias Internacionales Publicaciones Estudios e Investigaciones Documentos de Trabajo Notas Monetarias Revista Banca Central Conferencias de Prensa Publicaciones Culturales y Educativas Billetes, Educación y Cultura Monedas y Billetes Programa de Estudios Superiores Museo Numismático Bibliotecas Pinacoteca Banguat Educa ES | EN Tipos de cambio de referencia De conformidad con la Ley de Libre Negociación de Divisas, el Banco de Guatemala diariamente, calcula los tipos de cambio de referencia del quetzal con respecto al dólar de los Estados Unidos de América, los cuales son aplicables para la liquidación de obligaciones tributarias u otras que supongan pagos del o al Estado y sus entidades, así como para la resolución de conflictos en el ámbito administrativo y jurisdiccional. La Junta Monetaria dispuso que para los efectos del cálculo de dichos tipos de cambio se tome de base la información que diariamente proporcionan al Banco de Guatemala las instituciones que constituyen el Mercado Institucional de Divisas (los bancos, las sociedades financieras privadas, las bolsas de valores y las casas de cambio), relativa al monto de divisas compradas y al monto de divisas vendidas y sus respectivas equivalencias en moneda nacional. Los tipos de cambio de referencia de compra y de venta corresponden al promedio ponderado de las operaciones de compra y de venta, reportadas por las instituciones, respectivamente, y tienen vigencia a partir de las cero horas del día hábil siguiente al de la fecha de cálculo, es decir, del segundo día hábil después al que corresponden las operaciones de compra y de venta de divisas reportadas por las instituciones que constituyen el Mercado Institucional de Divisas. Por otra parte, el Banco de Guatemala también calcula los tipos de cambio de referencia del quetzal con respecto a monedas extranjeras diferentes al dólar de los Estados Unidos de América. Para ello obtiene, de un servicio informativo especializado, entre las 8:00 y las 9:00 horas, las cotizaciones internacionales de las monedas de que se trate. El resultado de multiplicar esas cotizaciones por el tipo de cambio de referencia del quetzal con respecto al dólar de los Estados Unidos de América, constituirá el tipo de cambio de referencia del quetzal con respecto a otras monedas extranjeras, el que tendrá vigencia durante el día a que se refiera. Por considerarse de mayor importancia para el comercio internacional de Guatemala, el tipo de cambio de referencia se calcula con respecto a las monedas siguientes: euro, libra esterlina, franco suizo, dólar canadiense, peso mexicano, yen japonés, colón salvadoreño, lempira hondureño, córdoba nicaragüense y colón costarricense; no obstante, de ser necesario, y siempre que exista cotización en el mercado internacional, se proporcionarán los tipos de cambio de la o las monedas extranjeras de que se trate. Los tipos de cambio de referencia del quetzal con respecto al dólar de los Estados Unidos de América son publicados, diariamente, por el Banco de Guatemala en diferentes medios informativos, como la prensa escrita Internet, y grabaciones telefónicas (teléfonos: (502) 230 6222 y (502) 230 6232). En cuanto a los tipos de cambio de referencia del quetzal con respecto a otras monedas extranjeras distintas del dólar de los Estados Unidos, éstos son publicados en la página del Banco de Guatemala. Regresar Contáctanos Horario: 8:00 a 16:00 horas Teléfonos: PBX (502) 2429 6000 (502) 2485 6000 (502) 2390 6000 (502) 2307 2200 Código Postal: 01001 Dirección: 7a. Avenida 22-01, Zona 1, Ciudad de Guatemala, Guatemala Buzón de sugerencias Redes sociales Información Acerca del Banco Política Monetaria, Cambiaria y Crediticia Estadísticas Macroeconómicas Operaciones Monetarias y Cambiarias Preguntas Frecuentes Mapa del Sitio Aplicaciones Móviles Derechos Reservados - Banco de Guatemala Institucional Qué es el Banco de Guatemala Estrategia Institucional Funciones Autoridades del Banco de Guatemala Funcionarios Superiores Marco Normativo Estructura Organizacional Memoria de Labores Transparencia Rendición de Cuentas Anual Transparencia Activa (Artículo 10 de la Ley de Acceso a la Información Pública) Prensa Actas de Comité de Ejecución por año Memoria de Labores Manuales de Procedimientos Presupuesto de Ingresos y Egresos Información sobre contrataciones Estados Financieros Fondo para la Protección del Ahorro Programa de becas Listado de Viajes Política Monetaria, Cambiaria y Crediticia Evaluación de Política Monetaria, Cambiaria y Crediticia Informe de Política Monetaria Resoluciones de Junta Monetaria Operaciones Monetarias Sistema de Pagos Estandarización de cuentas Sistema LBTR Cámara de Compensación Bancaria -CCB- Cámara de Compensación Automatizada -CCA- Modernización del Sistema de Pagos Cuentas de Depósitos Normativa Regional en Centroamérica y República Dominicana Sistema de Interconexión de Pagos de Centroamérica y República Dominicana (SIPA) Estadísticas Macroeconómicas Inflación Actividad Económica Cuentas Ambientales Sector Externo Sector Monetario y Financiero Sector Fiscal Página Nacional de Resumen de Datos (PNRD) Otros Indicadores Reservas Internacionales Política de Inversiones Informes Trimestrales Movimiento Diario de las Reservas Monetarias Internacionales Publicaciones Estudios e Investigaciones Documentos de Trabajo Notas Monetarias Revista Banca Central Conferencias de Prensa Publicaciones Culturales y Educativas Billetes, Educación y Cultura Monedas y Billetes Programa de Estudios Superiores Museo Numismático Bibliotecas Pinacoteca Banguat Educa Preguntas Mapa Contáctenos Autoridades

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Más información Tipo de cambio en Guatemala hoy Conoce el cambio del dólar hoy en Guatemala ¡Conoce más! Precio de compra y venta en Banrural Dólares Efectivo US$ Documento Banca Virtual - APP Compra Q Q Q Venta Q Q Q Euros Efectivo EUR€ Documento Compra Q Q Venta Q Q Comunicate con nosotros Calcula tus cuotas + Ver más Transparencia Reglamentos Tarifario Fideicomisos Canal Ético Nosotros Políticas de Privacidad Información Trabaja con Nosotros Activos Extraordinarios Cuentas Inactivas Remesadores Nuestras Bancas Personas Mipymes Empresas Instituciones Ayuda Ubicaciones Contacto Aplicación Banrural Transparencia Reglamentos Tarifario Fideicomisos Canal Ético Nosotros Políticas de Privacidad Información Trabaja con Nosotros Activos Extraordinarios Cuentas Inactivas Remesadores Nuestras Bancas Personas Mipymes Empresas Instituciones Ayuda Ubicaciones Contacto Aplicación Banrural 2026 © Todos los derechos reservados | Banco de Desarrollo Rural.

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Banco Agromercantil de Guatemala, S.A. - BAM Personas Privada Empresas Seguros Agromercantil Contáctanos Buscar Inicio Productos y servicios Promociones Bienestar Financiero Realizar Pagos USD Compra: Q. 7.44 Venta: Q. 7.82 EUR Compra: $. 1.04 Venta: $. 1.23 Bamvirtual Personas Bamvirtual Personas Bamvirtual Empresas ENTRAR Cuentas Tarjetas de crédito Préstamos Nómina Inversión Seguros Servicios Bienes en venta USD Compra: Q. 7.44 Venta: Q. 7.82 EUR Compra: $. 1.04 Venta: $. 1.23 Historias Bam Tu historia escribe la nuestra Un siglo acompañando personas, familias y negocios que mueven a Guatemala Ver historias Historias Bam Tu historia escribe la nuestra Un siglo acompañando personas, familias y negocios que mueven a Guatemala Ver historias Cuenta Fácil Abre tu Cuenta sin complicaciones y 100% digital Abre tu cuenta de forma fácil y rápida desde la comodidad de tu hogar, y con un monto de apertura de Q0.00. Abre tu cuenta Préstamos Financia tus metas con la mejor opción Solicita el financiamiento ideal que necesitas en pocos pasos y obtén el impulso que te ayudará a llegar aún más lejos. Conoce más Historias Bam Tu historia escribe la nuestra Un siglo acompañando personas, familias y negocios que mueven a Guatemala Ver historias Historias Bam Tu historia escribe la nuestra Un siglo acompañando personas, familias y negocios que mueven a Guatemala Ver historias Pensando en ti Sala de prensa Entérate de las últimas noticias de Bam Conoce más Conoce de Ciberseguridad Protege la información confidencial de todos tus productos. Conoce más Regístrate y gana con Efecto Bam Con Efecto Bam Podrás ganar reintegros, bonos de millas y/o puntos. Conoce más Alianza Bam Funsepa Nuestros pequeños, con tecnología cambian nuestro destino. Conoce más Descubre más de nuestros productos y servicios Extrafinanciamiento Solicita tu Extrafinanciamiento Utiliza tu extrafinanciamiento Bam para convertir tus compras o el saldo total de tu tarjeta de crédito a cuotas e incluso desembolsar un monto de efectivo. Conoce más Bienes en venta Encuentra tu casa o tu vehículo Ponemos a tu disposición una variedad de inmuebles, vehículos y bienes en subasta. Conoce más Tarjeta de Crédito Pide la Extensión de tu tarjeta Ten un gesto de confianza con alguien especial y solicítale una extensión de tu tarjeta. Conoce más Esto te puede interesar Invierte hoy en tus metas del mañana Haz crecer tu dinero con Inversión Virtual, una cuenta 100% digital en la que tu decides cuánto invertir, por cuánto tiempo y donde verás crecer tu dinero mes a mes. Conoce más aquí ¿Necesitas ayuda? Contáctanos Ponte en contacto con nosotros a través de las distintas plataformas. ¡Hablemos! Agencias y cajeros Encuentra la ubicación, horarios y servicios de nuestras agencias y cajeros automáticos. Cómo llegar Centro de Ayuda Encuentra la ayuda que necesitas para solucionar todas tus dudas. Resuelve tus dudas Emergencias bancarias Si has sido víctima de robo o pérdida de tu tarjeta de crédito o débito, comunícate ahora mismo. ¡Llámanos! Descarga Bamapp en tu móvil Descarga Bamapp en tu móvil Realiza gestiones y transacciones bancarias de manera fácil y rápida desde el teléfono móvil. Descarga el App Disponible en Google Play Disponible en App Store Disponible en App Gallery WhatsApp Preguntas frecuentes Agencias y cajeros Contáctanos Banca Personas Privada Empresas Seguros Agromercantil Accesos rápidos Bamvirtual Personas Bamapp Personas Bamvirtual Empresas Bamapp Empresas Preguntas frecuentes Información legal CRS FATCA Políticas de privacidad Información Corporativa Bam Acerca de nosotros Trabaja con nosotros Servicios Agencias Eventos Contáctanos 7a. Avenida 7-30 Zona 9, Ciudad de Guatemala Teléfono:  +502 2338 6565 Contáctanos Línea ética: 2378-6933 etica@bam.com.gt

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TIPO DE CAMBIO AGENCIAS Aplica únicamente en agencias Moneda Compra Venta Dólar Q. 7.30 Q. 7.50 BANCA EN LÍNEA Aplica únicamente en banca en línea Moneda Compra Venta Dólar Q. 7.36 Q. 7.46

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This includes a maximum of $10,000 per trip. 7 Certificate of insurance Flight Delay Insurance If you charge at least 75% of your ticket to your card, you’re eligible for reimbursement of necessary expenses if your flight is delayed up to $500 per insured person on the same trip. 7 Certificate of insurance Delayed & Lost Luggage Insurance If your checked luggage is delayed or lost, you’re covered up to $1,000 if you charged the full cost of your travel ticket to your card. 7 Certificate of insurance Rental Car Collision/Loss Damage Insurance If your eligible rental car is damaged or stolen, you’re automatically insured if you’ve charged the full cost of it to your card. 7 Certificate of insurance Hotel/Motel Burglary Insurance When you use your card to pay for your stay at any hotel or motel around the world, you, your spouse, and your dependent children are eligible for coverage up to $1,000 against theft if your room is broken into. 7 Certificate of insurance Common Carrier Travel Accident Insurance When you charge at least 75% of your trip to your card, you’re insured against accidental loss of life or dismemberment up to $500,000 per insured person and up to $1,000,000 for the trip. 7 Certificate of insurance Purchase Security and Extended Warranty Most of the new items you buy with your card are insured against theft, loss, or damage for 90 days from the purchase date. 7 When you charge the full cost of most items to your card, extended warranty coverage can double the original manufacturer’s warranty for up to one year. 7 Certificate of insurance Scotia Credit Card Protection (optional) This insurance helps protect your finances by helping cover your balance or monthly payments during unexpected life events, such as 18 : Death Critical Illness Hospitalization Disability Job Loss Strike or Lockout There are two different coverage bundles to choose from 18 : Basic Protection Life Benefit Critical Illness Benefit Hospitalization Benefit Comprehensive Protection Life Benefit Critical Illness Benefit Hospitalization Benefit Disability Benefit Job Loss Benefit Strike or Lockout Benefit Learn more Scene+ points on every transaction Earn Redeem Earn Scene+ points for every $1 you spend on eligible purchases. 19 Up to 4 points Earn 1 Scene+ point for every $1 you spend on eligible travel purchases. 19 Plus, earn an extra 3 Scene+ points for every $1 you spend on hotels and car rentals when you book through Scene+ Travel, Powered by Expedia. 8 3 points At Sobeys, Safeway, Foodland, participating IGA and co-ops, and more . 2 points On dining out and other eligible grocery stores. 2 points On eligible entertainment purchases. Includes movies, theatre, and ticket agencies. 2 points On eligible transit options, including rideshare, buses, taxis, subways, and more. 1 point On all other eligible purchases. Earn extra points with Scene+ rewards partners when you show your Scene+ membership card. Calculate your rewards Redeem your points, your way. Visit the Scene+ hub to explore all the ways to redeem or check out a few examples here: 1,000 points $10 off Cineplex movie tickets 3,000 points $20 account credit on eligible accounts 5,000 points $50 off at Home Hardware 10,000 points $100 off at eligible grocery stores 20,000 points $200 off travel with Scene+ Travel, Powered by Expedia and Apply Points to Travel Some redemptions require a minimum number of points. Learn more . Calculate your rewards Your award-winning credit card Winner of the 2026 Best Travel Credit Card FinlyWealth ^ Winner of the 2026 Best Credit Card No Foreign Transaction Fee Milesopedia 2026 *± Winner of the 2025 Canada’s Choice RWRDS.ca Top Overall Travel Rewards Card ± Winner of the 2025 Canada's Choice RWRDS.ca Top No Foreign Transaction Fee Credit Card ± Winner of the 2025 Rewards Canada Top No Foreign Transaction Fees Credit Card ± Winner of the 2025 milesopedia Best Credit Card for No FX *± Winner of the 2024 Canada's Choice RWRDS.ca Top No Foreign Transaction Fee Credit Card Winner of the 2024 milesopedia Best Credit Card for No FX Winner of the 2022 Rewards Canada Top No Foreign Transaction Fees Credit Card Winner of the 2022 MoneySense Best Points Card with No Foreign Transaction Fees Winner of the 2021 RateHub Best No Foreign Transaction Fee Credit Card Winner of the 2021 MoneySense Best Rewards Card with No Foreign Transaction Fees Winner of the 2020 MoneySense Best Travel Points Card with No Foreign Transaction Fees Your award-winning credit card Leading publishers like FinlyWealth and milesopedia agree that the Scotiabank Passport ® Visa Infinite + * Card is a winner. Browse all awards . Frequently asked questions Expand all Collapse all Which credit cards give me access to airport lounges? The Scotiabank Passport Visa Infinite +, Scotiabank Passport Visa Infinite Privilege, and Scotiabank American Express Platinum cards give you access to airport lounges. The Scotiabank Passport Visa Infinite + Card gives primary cardholders a complimentary membership in the Visa Airport Companion Program, plus six complimentary lounge visits per year from the date of enrollment. The Scotiabank Passport Visa Infinite Privilege card gives the primary and each additional cardholder a complimentary membership in the Visa Airport Companion Program, plus ten complimentary lounge visits per year from the date of enrollment. This program is powered by DragonPass, and provides access to 1,200+ airport lounges globally, including participating Plaza Premium Lounges. These lounge visits are eligible for the primary cardholder and a travel companion. Scotiabank American Express Platinum cardholders can visit lounges in more than 100 countries and 300 cities worldwide. Primary cardholders get a complimentary membership to Priority Pass, plus 10 free visits per year from the date of enrollment. Supplementary cardholders get a Priority Pass membership and 4 free visits per year. How do I use my credit card to enter an airport lounge? To enter an airport lounge with a Scotiabank Passport Visa Infinite + or Scotiabank Passport Visa Infinite Privilege card, you first need to sign up for the Visa Airport Companion Program (powered by DragonPass). Once you sign up, a Membership ID linked to your card will be created under the DragonPass Membership Profile. To find out more about the Visa Airport Companion Program and other benefits offered with these cards, visit us online at Scotiabank Passport Visa Infinite + Card or Scotiabank Passport Visa Infinite Privilege Card . To enter lounges accessible through Priority Pass with your American Express Platinum card, show your Priority Pass membership card (physical or digital) and present your credit card to access the Plaza Premium lounges. To find out more about the Priority Pass Access Lounge Program and other benefits offered with the Scotiabank American Express Platinum Card, visit us online at Scotiabank Platinum American Express® Card . If I miss my cruise, flight, or hotel reservation, can I dispute the charges? If the merchant was willing and able to provide the cruise, flight, or hotel stay, they are entitled to be paid. We encourage you to work with them directly to find a solution. If you missed your cruise departure due to a cancelled flight that the cruise merchant was responsible for arranging, please contact us so we can look into it for you. Learn what’s eligible for a dispute here . How do I activate my card? To activate a Visa or American Express card: Activate online: follow the steps on our online activation page Make an in-store purchase: insert your card and enter your PIN (check the sticker on your card for eligibility) For Mastercard: Activate on the phone: call 1-866-583-6289 Once activated, you can use your card right away. How do I add a supplementary card? To add a supplementary card to your credit card account: From your Accounts page, select your credit card account Select Additional Services Select Add Supplementary Cards and follow the instructions Browse more FAQs Ready to apply? We’ll ask a few quick questions including ones about your job, your yearly income, and where you live. Open an account This will take about 15 minutes. Apply now Speak to an advisor We’re here to help. Book an appointment Not sure if this is right for you? This card might not be right if you: Will carry an outstanding balance for a long period of time or use it for debt consolidation Rarely travel, rarely make foreign currency purchases, or rarely need travel insurance coverage Prefer cash back rewards Prefer not to pay an annual fee Explore other credit cards Scotiabank® Scene+™ Visa* Card Explore this card Scotiabank Passport® Visa Infinite Privilege* Card Explore this card Need more information? Set up your card Activate your card Add card to mobile wallet Apply for a credit limit increase Add a supplementary card Add Scotia Credit Card Protection Get to know your card Revolving credit agreement (Visa/Amex) Credit card welcome kit Certificate of insurance Credit card fees Credit card interest rates Zero liability policy, commitment, and codes Report a lost or stolen card Scene+ program Terms & Conditions Apply now Extended 2 Terms & Conditions Arrow Symbol (optional) ^ Legal Text Awarded on January 9, 2026, by FinlyWealth Asterisk Symbol (optional) * Legal Text Visa Int. / Licensed User Legal - Δ Symbol (optional) Δ Legal Text Savings and point earn potential in first 12 months includes welcome offer value, first year point earn potential, foreign transaction fee and airport lounge savings as of May 22, 2026: $250 in travel points (25,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite + Card clients who spend $2,000 within the first 3 months $100 in travel points (10,000 bonus Scene+ points) when you spend $40,000 annually on your Account . $50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite + Card clients $132 in foreign transaction fee savings based on average annual foreign spend per active account over the last 24 months (don't pay the 2.5% foreign transaction fee markup typically charged by other card issuers); $364 in first year point earn potential (36,400  Scene+ points) on everyday purchases based on average annual spend per active account over the last 24 months with an average spend of 21% in 3X and 2X accelerator categories combined. $358 value with a complimentary Visa Airport Companion Program Membership that includes 6 lounge passes (based on a ‘Preferential’ membership valued at approx. CAD$358/USD$259). Currency conversion as at May 22, 2026. Potential First Year Value = up to $1,254 (rounded down to $1,250) Actual offers, savings and points earned will depend on individual card usage and eligibility for applicable offers. Conditions apply. Legal - ♢ Symbol (optional) ♢ Legal Text Offer Description and Conditions: The 25,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank Passport Visa Infinite + credit card accounts (“Accounts”) that are opened between August 4, 2026 to November 1, 2026 (regardless of the date you apply for the Account) subject to the conditions below. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers. Plus, as a Scotiabank Passport Visa Infinite + credit cardholder you are always eligible to earn an annual 10,000 Scene+ point bonus when you spend at least $40,000 in everyday eligible purchases annually on your Scotiabank Passport Visa Infinite + account. Conditions apply - see below for further details. 25,000 Bonus Scene+ Point Offer Description and Conditions: To qualify for the 25,000 bonus Scene+ points (the “25,000 Point Bonus”), you must have at least $2,000 in eligible purchases posted to your new Account within the first 3 months of the Account open date. 10,000 Annual Bonus Scene+ Point Conditions: As a Scotiabank Passport Visa Infinite + credit cardholder you can earn an annual Scene+ point bonus starting at 10,000 Scene+ points (the “Annual Point Bonus”) when you make at least $40,000 in eligible purchases annually on your Account each year (12-months). Annual period starts from the Account open date and resets every 12 months thereafter. If you switch from another Scene+ eligible Credit Card to the Scotiabank Passport Visa Infinite + Card (vs. it being opened as a new or additional Card), your original Account open date will carry over to your new Scotiabank Passport Visa Infinite + Card and your annual period for this benefit will begin on the next anniversary of your original Account open date. For Example: If you originally opened a Scotiabank®* Gold American Express® Card on January 15, 2022, and switch that Card to the Scotiabank Passport® Visa Infinite +* Card on July 15, 2025 – your annual period for the 10,000 annual Scene+ point benefit will begin on January 15, 2026 (your next Anniversary) and will reset annually on January 15th afterwards. You can also earn 2,000 bonus Scene+ points for every additional $10,000 in eligible purchases thereafter in that same year, after the $40,000 annual spend has been reached. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges. Point Bonus Fulfillment: The applicable point Bonus(es) will be credited within approximately 8 weeks after qualifying for a Bonus, provided the Account is open and in good standing. For Joint Accounts with a Primary Borrower and Co-borrower, the applicable point Bonus will be credited as follows: (i) the 25,000 Point Bonus,  and the Annual Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases (i.e., $2,000 or $40,000) in the appropriate time frame (i.e., first 3 months or first 12 months). If a supplementary cardholder completes the last qualifying transaction to meet the qualifying amount of eligible purchases for the 25,000 Point Bonus, or the Annual Point Bonus, the applicable point Bonus will be credited to the Primary Borrower’s Scene+ account linked to the Account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene+.  The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. All other terms and conditions of the Program Terms continue to apply during the Offer period. Offer Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer. Rates and Fees: The current annual fee is $150 for the primary card, $0 for the first additional card and $50 for each additional card thereafter (including those issued to co-borrowers and supplementary cardholders). The current preferred annual interest rates for this Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions). All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change. Legal 01 Symbol (optional) Legal Text Rates and Fees: The current annual fee is $150 for the primary card, $0 for the first additional card and $50 for each additional card thereafter (including those issued to co-borrowers and supplementary cardholders). The current preferred annual interest rates for this Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions). All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change. Legal 02 Symbol (optional) Legal Text If you open an Ultimate Package account (the “Account”), on or after the date you open the Account (“Account Open Date”) you will receive an annual fee rebate of up to $150 on one Eligible Card that you hold as the primary cardholder (“Annual Fee Rebate”), for each year as long as you have one eligible Scotiabank Credit Card account (an “Eligible Card”) and the Account  which are open and in good standing. You will receive the Annual Fee Rebate, even if you opened an Eligible Card prior to the Account Open Date. Eligible Cards are the Scotiabank Gold American Express®, Scotiabank Passport® Visa Infinite +*, Scotiabank Passport® Visa Infinite Privilege*, Scotia Momentum® Visa Infinite +* and Scotiabank Value® Visa* credit cards. Eligible Cards are subject to change. Each Account will only receive one Annual Fee Rebate regardless of the number of accountholders on the Account or Eligible Cards held or opened. The Annual Fee Rebate will be applied to the first annual fee charged on the Eligible Card after the Account Open Date. If you are the primary cardholder of multiple Eligible Cards, the Annual Fee Rebate will be applied to the first annual fee that is charged on an Eligible Card after the Account Open Date. If your Eligible Card has an annual fee that is greater than $150, you remain responsible for any difference after the Annual Fee Rebate is applied.  All other fees and charges applicable to the Eligible Card continue to apply. Annual Fee Rebate cannot be combined with any other annual fee rebate or waiver offer. Current annual fees, rates and other features for Eligible Cards are subject to change. Legal 03 Symbol (optional) Legal Text Effective starting on and after June 22, 2026 (the “Effective Date”), clients who have a Preferred Package account (“Account”) will receive an annual fee rebate of $40 (“Annual Fee Rebate”) on one Eligible Card Account where they are the primary cardholder (“Eligible Card”), beginning on the first Anniversary Date after June 22, 2026 (and on each annual Anniversary Date thereafter), provided all of the following conditions are met: (i) there must be at least $15,000 in Qualifying Purchases posted to the Eligible Card Account in the 12 monthly statement periods prior to the month in which the Eligible Card Account’s annual fee is charged to the Eligible Card Account (the “Annual Anniversary Spend Amount"), and (ii) both the Eligible Card Account and the Account must be open and in good standing at the time the Annual Fee Rebate is applied. The Rebate should appear on your Eligible Card statement approximately on, or within the first two statements after the annual fee is charged to the Eligible Card Account. The first-year annual fee(s) charged on your Eligible Card Account after the Effective Date is not eligible for an Annual Fee Rebate. The Annual Fee Rebate applies, even if you opened an Eligible Card Account prior to the Account Open Date. Each Account will only receive one Annual Fee Rebate regardless of the number of accountholders on the Account or Eligible Cards held or opened on the Eligible Card Account. If you are the primary cardholder of multiple Eligible Cards, the Annual Fee Rebate will be applied to the annual fee that is charged first on an Eligible Card after the Account Open Date if you meet the Annual Anniversary Spend Amount. If your Eligible Card Account has an annual fee(s) that is greater than the amount of the Annual Fee Rebate, you are responsible for any difference in annual fee(s) after the Annual Fee Rebate is applied. All other fees and charges applicable to the Eligible Card Account continue to apply. The Annual Fee Rebate is subject to change and cannot be combined with any other offer including an annual fee rebate or waiver offer. Annual fees, rates and other features for Eligible Cards are subject to change. We may limit or revoke the Annual Fee Rebate(s) without notice if we believe there is suspicious or fraudulent activity, if the offer is being abused, or if you receive an Annual Fee Rebate in error. “Account Open Date” means the date that the Account is opened. “Anniversary Date” means the date that is one year after the annual fee is first charged to your Eligible Card Account and every 12 months thereafter. “Eligible Card Accounts” are currently the Scotiabank Gold American Express®, Scotiabank Passport® Visa Infinite +* and Scotia Momentum® Visa Infinite +* credit cards. Eligible Card Accounts are subject to change. A “Qualifying Purchase” is a Purchase (as defined in your credit agreement for your Eligible Card Account) that is posted to your Eligible Card Account, less any refunds, returns or other similar credits on your Eligible Card Account. Qualifying Purchases exclude cash advances (including balance transfers and cash-like transactions), interest charges, fees and payments posted to your Eligible Card Account. Legal 04 Symbol (optional) Legal Text The primary cardmember and/or co-borrower are liable for all charges incurred on the Scotiabank credit card account by any supplementary card issued in connection with the account. Legal 05 Symbol (optional) Legal Text We will not charge you Foreign Transaction Fees on foreign currency transactions, including purchases, only the exchange rate applies. The term “Foreign Transaction Fees” is a substitute for “Foreign Currency Conversion” as described in the Disclosure Statement you received with your Card. This fee relates to the 2.5% mark-up that is typically charged by credit card issuers in addition to the exchange rate. See the Foreign Currency Conversion section of the Disclosure Statement for this Card for full details. Rates and fees are subject to change. Legal 06 Symbol (optional) Legal Text Primary Cardholders with a valid Scotiabank Passport Visa Infinite + Card account (the “Account”) have access to participating lounges within the Visa Airport Companion Program (“Program”), hosted and managed by DragonPass International Ltd. Cardholders must enroll for this benefit either through the Visa Airport Companion App (available to download for free) or on the Program Website ( visaairportcompanion.ca ) using a valid Card on the Account. Upon enrollment, 6 complimentary lounge visits will be available for the Primary Cardholder per membership year; the complimentary visits can be used by any Cardholder for themselves and for their accompanying guests at participating lounges (however, Primary Cardholder must be present for each such use). Lounge visits are counted on a per person per visit basis (e.g. lounge access by a Cardholder and one accompanying guest will count as two (2) visits). All additional visits beyond complimentary visits are subject to a fee of $32 USD (subject to change) per person per visit. Applicable lounge access fees will be charged to the Card connected to the Cardholders’ Program membership (i.e. the Card enrolled in Program). To view a full list of participating airport lounges, their facilities, opening times and restrictions Cardholders can visit the Program App and Website . To view the full Terms and Conditions for the Program, including DragonPass Terms of Use and Privacy Policy and Visa’s Privacy Policy that apply to the Program, visit the Visa Airport Companion Program App or Website . The Program services and benefits are provided by DragonPass and applicable third party offer providers and neither Visa nor The Bank of Nova Scotia is responsible for the Program or any claims or damages arising from participation in the Program. Unless the Program membership is suspended or cancelled, the Program membership and any included complimentary lounge visits (if applicable) will automatically renew annually on the anniversary date (based on date when the Cardholder enrolled for the Program). Program membership will be cancelled if your Scotiabank Passport Visa Infinite + Card is cancelled. If your Scotiabank Passport Visa Infinite + Card is renewed or replaced, remember to update your card details within the Visa Airport Companion Program (either on the App or on the Program Website ). Access upon presentation of a valid and enrolled Scotiabank Passport Visa Infinite + Card, while available in most lounges within the Visa Airport Companion Program, is subject to availability. Legal 07 Symbol (optional) Legal Text Under all insurance coverages or services, certain limitations, restrictions and exclusions apply, including a pre-existing condition exclusion for certain benefits. Please see the Certificates of Insurance for full coverage details. Coverages are underwritten by The Manufacturers Life Insurance Company and its wholly owned subsidiary First North American Insurance Company. The Bank of Nova Scotia is not an insurer. All insurance claims must be forwarded to the insurance providers. Legal 08 Symbol (optional) Legal Text The Scene+ Travel website and call center are owned and operated by Expedia Group, a third-party travel service provider (the “Scene+ Travel Partner”). To earn or redeem Points, travel must be booked through the Scene+ Travel website or Scene+ Travel call centre. Travel booked via the Scene+ Travel call centre may be subject to a booking fee. Prices are in Canadian dollars unless otherwise specified. Prices and points requirement are available on the website, and subject to change.  The Scene+ Travel Partner may impose terms and conditions that supplement the ‘Additional Terms and Conditions for Scene+ Travel’ included in the Scene+ Program Terms and Conditions. Scene LP and its owners are not responsible for the products and services made available to you by third parties. Earning Scene+ Points for Scene+ Travel purchases: Scene+ points are earned on eligible travel and Things to Do purchased through Scene+ Travel website or call centre (collectively “Scene+ Travel)”. Scene+ Points are earned on the total value of Things to do, hotel or car rental booking purchases (including taxes and fees) made through Scene+ Travel regardless of the payment method used for the purchase (Scene+ points redemption and/or payment card purchases). Points earned will be added to your Scene+ account within six weeks from the completion of your travel itinerary. Paying for your eligible Scene+ Travel purchase: Points may be redeemed for the entire amount of the things to do, flight, hotel or car rental booking purchases (including taxes and fees), or redeemed in part with the remaining balance paid by an available payment card. Additional Scene+ Travel Program Terms and Conditions. Click here for details. Legal 09 Symbol (optional) Legal Text Apply Points to Travel redemptions are only permitted towards an eligible travel purchase charged to a Scotiabank credit card or debit card that earns Scene+ Points. Redemptions must be requested through sceneplus.ca or the Scene+ app within 12 months of the travel purchase transaction date. For full terms and conditions, click here . Legal 10 Symbol (optional) Legal Text The savings of up to 25% applies to Avis base rates and is applicable only to the time and mileage charges of the rental. All taxes, fees (including but not limited Air Conditioning Excise Recovery Fee, Concession Recovery Fee, Vehicle License Recovery Fee, Energy Recovery Fee, Tire Management Fee, and Frequent Traveler Fee) and surcharges (including but not limited to Customer Facility Charge and Environmental Fee Recovery Charge) are extra. Avis Preferred Plus membership and services are provided by a third party. The Bank of Nova Scotia and its affiliates are not responsible for Avis Preferred Plus membership and services. Legal 11 Symbol (optional) Legal Text Scotia SelectPay Conditions apply. Review Terms and Conditions for full details or visit scotiabank.com/selectpay to learn more. Legal 12 Symbol (optional) Legal Text The goods and services cardholders request or otherwise choose to obtain through the Visa Infinite Concierge Service are provided by various third party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about, and assumes no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite Concierge. Neither Visa nor the Issuer is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of cardholders’ requests in all instances. There is no fee for the Concierge’s services, however cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the cardholder and purchased by the Visa Infinite Concierge on the cardholder’s behalf. All costs will be charged directly to the cardholder’s Visa Infinite + card. Legal 13 Symbol (optional) Legal Text Cardholders must use their eligible Canadian-issued Visa Infinite + card to reserve and pay for their hotel stay through the Visa Infinite Luxury Hotel Collection website or Visa Infinite Concierge to receive Visa premium card benefits. Visa reserves the right to modify or cancel this offer at any time and without notice. The Visa Infinite Luxury Hotel Collection benefits and services are provided by the individual hotels or their operators and suppliers; neither Visa nor the Issuer is responsible for any claims or damages arising from use of the Visa Infinite Luxury Hotel Collection. For full program terms and conditions, please visit: https://www.visainfiniteluxuryhotels.ca/about/benefits or https://www.visa.ca/en_CA/pay-with-visa/cards/credit-cards/infinite/terms-and-conditions.html . Legal 14 Symbol (optional) Legal Text Visa Infinite Dining Series offers are available to Visa Infinite + and Visa Infinite Privilege cardholders. Limit of 6 tickets per cardholder, and tickets are subject to availability. Purchased tickets must be cancelled more than 4 days before the event date for standard events, and 10 days before the event date for Prix Fixe Experiences - otherwise purchases are non-refundable. Events may be modified or cancelled, by Visa, in whole or in part at any time, for any reason, without prior notice or liability to any person. Advertised chefs and sommeliers may change without notice. Seating requests and special dietary restrictions and allergies will be considered when requested at booking, but cannot always be accommodated. Venues are not conducive to young children. Please drink responsibly. Visit visa.ca/infinite for full details and terms. Cardholders will be informed at least seven business days prior to an event of any change, postponement or cancellation. In the event of a cancellation, cardholders will receive a full refund. Cardholders must follow all provincial guidelines and cooperate with restaurant policies. In the event a guest fails to comply with provincial or restaurant policies, the restaurant and/or Visa and it’s service providers reserve the right to, without any refund or compensation, terminate such person's right to attend the event. The offers described herein are only available to Canadian Visa Infinite + and Visa Infinite Privilege cardholders. The appearance by all chefs, sommeliers, and bartenders and livestream events is subject to change without notice. Offer is based on availability and additional terms and conditions may apply. Visit visa.ca/infinite for details. Legal 15 Symbol (optional) Legal Text Eligible Visa Infinite + and Visa Infinite Privilege cardholders must be legal drinking age to participate in this benefit. Reservations are mandatory for the wineries that are flagged by a star [*] on visa.ca/infinite . Please contact the winery directly for reservations, hours of operation, blackout dates and other details. Tours, tastings, selection of merchandise, including wine, may be subject to availability. Eligible Visa Infinite + and Visa Infinite Privilege card must be presented at winery and used for any program-related purchases. Wine experiences may be modified or cancelled, by Visa or wineries, in whole or in part at any time, for any reason, without prior notice or liability to any person. Please drink responsibly. Venues are not conducive to young children. Legal 16 Symbol (optional) Legal Text You must be an eligible Canadian-issued Visa* Debit, Visa Classic*, Visa* Gold, Visa Platinum*, Visa* Business, Visa Infinite +*, Visa Infinite Business* or Visa Infinite Privilege* cardholder (collectively the “Eligible Cards”) to take advantage of the Visa GigSky offer. To participate in the Offer, you must have an Eligible Card issued in your name, ensure your Eligible Card account is in good standing, and add the Eligible Card as the default payment method in the GigSky App. These Global Mobile Data plan options offer terms (these “Offer Terms”) apply to the offer (the “Offer”) made available to the Eligible Cards by GigSky, Inc. (“GigSky”). Any Offer Plan continues to be subject to the standard GigSky Terms of Service . The Offer is solely offered by GigSky, and Visa is not providing or responsible for any Offer Plans, Discounts or GigSky Products hereunder. GigSky reserves the right to terminate your Offer Plan if you no longer hold an Eligible Card or such Eligible Card is no longer in good standing. GigSky reserves the right to terminate the Offer or any Offer Plan or change the terms of the Offer or Offer Plan at any time and without notice and in its sole and absolute discretion. This Offer cannot be combined with other discounts and/or offers and is not redeemable for cash. Any taxes are the sole responsibility of the purchaser. The Offer is void where prohibited or restricted by applicable law. GigSky reserves the right to deny you participation in the Offer if GigSky suspects abuse or misuse of the Offer, in its sole discretion. You agree and acknowledge that GigSky may share your personal information with Visa and your debit or credit card issuing bank in connection with redemption of the Offer and use of an Offer Plan. For information about how we collect and use your Personal Information please see GigSky’s privacy policy at: https://www.gigsky.com/terms-and-conditions/privacy-policy Legal 17 Symbol (optional) Legal Text You must be an eligible Visa Infinite + cardholder with a valid Canadian issued Visa Infinite + card to take advantage of the Visa Infinite benefits and services. Certain benefits and services require enrolment. Offers and benefits are non-transferable and discounts cannot be combined with any other offer or discount. Neither Visa nor the Issuer of the card is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa reserves the right to modify or cancel offers or benefits at any time and without notice. All offers, benefits and services made available through Visa are subject to complete terms and conditions, including third party suppliers’ terms and conditions, available through the Visa Infinite Concierge at 1-888-853-4458, and as set out on visa.ca/infinite. The Visa Infinite Privacy Notice policy applies to all benefits and services that require enrolment through, or are otherwise provided by, the Visa Infinite Concierge or the Visa Infinite website or mobile app. The collection, use and disclosure of cardholders’ personal information by third party suppliers of services and benefits to Visa Infinite + cardholders are subject to such third parties’ own privacy policies. Legal 18 Symbol (optional) Legal Text Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada:  Tel: 1-800-387-7199 , Option 3, or www.chubb.com under a Group Policy issued to The Bank of Nova Scotia. All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive upon enrolment. Legal 19 Symbol (optional) Legal Text You are awarded three (3) Scene+ Points for every eligible $1.00 purchase made at Sobeys, Safeway, IGA, Foodland, Foodland & Participating Co-ops, FreshCo, Chalo! FreshCo, Thrifty Foods, Rachelle Béry, Les Marchés, Voilà by Sobeys, Voilà by Safeway and Voilà par IGA locations charged and posted to the Scotiabank Passport Visa Infinite + Account. This list of eligible grocers may be changed from time to time without notice. See full list of participating merchants across Canada at scotiabank.com/participatingstores . You are awarded two (2) Scene+ Points for every eligible $1.00 purchase on all other grocery (not listed above), dining, entertainment, and daily transit purchases charged and posted to the Scotiabank Passport Visa Infinite + Account (the earn rates for each of the above categories and merchants are referred to as the “Accelerated Earn Rates”). See below for the Spend Threshold that applies to this Accelerated Earn Rate. You are awarded one (1) Scene+ Point for every $1.00 in all other purchases of goods and services charged to the Scotiabank Passport Visa Infinite + Account (the “Regular Earn Rate”). Spend Threshold for the Accelerated Earn Rate (Scotiabank Passport Visa Infinite + Accounts only): You will earn the Accelerated Earn Rate on the first $50,000 in purchases made on your Scotiabank Passport Visa Infinite + account (the “Account”) annually at the following: purchases made at merchants classified in the Visa credit card network as: Grocery Stores and Supermarkets; Eating Places and Restaurants, Drinking Places, Fast Food Restaurants; Entertainment including Motion Picture Theatres, Theatrical Producers, Ticket Agencies, Bands, Orchestras, Miscellaneous Entertainers; Railroads, Local and Suburban Commuter Passenger Transportation, including Ferries, Passenger Railways, Taxicabs and Limousines, Bus Lines, Transportation Services (Not Elsewhere Classified). Some merchants may sell other products/services or are separate merchants who are located on the premises of these merchants, but are classified by the credit card network in another manner, in which case this added benefit would not apply. The annual spend calculation for the $50,000 maximum threshold is calculated annually from January 1st to December 31st each year. You will earn 1 point per $1 on purchases made on the Account after the 3 points and 2 points per $1 / $50,000 annual spend maximum is reached and on all other purchases made on the Account. Scene+ points are only awarded on purchases. Scene+ points are not awarded for cash advances, balance transfers, payments, returns, refunds or other similar credits, fees or interest or other charges. All dollar amounts are in Canadian currency unless otherwise stated. Plus Minus Symbol (optional) ± Legal Text As chosen by readers of RewardsCanada.ca - October 2025 As awarded on January 3, 2025 by votes cast in the RewardsCanada.ca Canada's Choice awards. Registered Symbol (optional) ® Legal Text Registered trademarks of The Bank of Nova Scotia. Registered Asterisk Symbol (optional) ®* Legal Text Avis Car Rental Inc All other marks are owned by their respective owners. Trademark Symbol (optional) ™ Legal Text Scene+ and the Icon Design are trademarks of Scene Plus IP Corporation, used under license. Trademark Asterisk Symbol (optional) TM* Legal Text Trademark of The Bank of Nova Scotia. asterisk-plus-minus Symbol (optional) *± Legal Text Awarded on January 15, 2026, by milesopedia legal-degree Symbol (optional) ° Legal Text Get up to 7 cents per litre in instant fuel discounts for a limited time and earn up to 3 cents per litre in Scene+ points value with an eligible Scotiabank Passport Visa Infinite + card linked to a Shell Go+ Account: Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations in Canada when you use any eligible Scotiabank debit card or credit card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Scotiabank debit card and per Scotiabank credit card account. This total limit resets at the start of each new month per payment card account. This discount is subject to the Scotiabank Fuel Benefit Terms and Conditions. Instant 4 cents per Litre Discount on Premium Fuel: Between May 26, 2026 and June 1, 2027 (“Promotional Period”), receive an instant 4 cents per litre discount on  purchases of V-Power® gasoline, or V-Power® diesel (“Premium Fuel Purchases”) at participating Shell locations in Canada when you use any eligible Scotiabank credit card that earns Scene+ points linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per credit card account. This total limit resets at the start of each new month per credit card account. This promotional offer, including the Promotional Period, may be changed, extended, or withdrawn at any time without notice. These promotional offer terms are in addition to the Scotiabank Fuel Benefit Terms and Conditions. Earn up to 3 cents per Litre in Scene+ points Value (Equivalent) on Fuel Purchases: Each time you use your linked Scotiabank credit card that earns Scene+ points on Fuel Purchases (All Grades) at participating Shell locations in Canada, you will earn at least 1 Scene+ point per $1 spent.  Plus, as a Scene+ Member you will also automatically earn 1 Scene+ point for each litre in Fuel Purchases (All Grades), and as a Shell Go+ member, automatically earn 1 additional Scene+ point for each litre in Premium Fuel Purchases, made with your linked Scotiabank credit card. This means that for every litre in fuel purchased with your linked credit card, you can earn the equivalent of up to 3 cents of redeemable Scene+ points value based on a redemption value of $10 for every 1,000 Scene+ points redeemed for fuel purchases at participating Shell locations.  Actual value may be lower depending on how you choose to redeem your Scene+ points. Earn and redemption limits may apply.See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditions for full details including redemption options and additional terms. Note: Highest value of 10 cents per litre assumes a Premium Fuel Purchase made with a Scotiabank Passport Visa Infinite + Card linked to a Shell Go+ Account. Actual value will vary depending on payment card used and whether or not the card is linked, fuel grade purchased, and how you choose to redeem your Scene+ points. Follow us Careers Bank your way Security and Fraud Legal Location Privacy Accessibility Cookie Settings © Scotiabank.com All Rights Reserved

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Blackout guidelines - Bank of Canada Skip to content Home Search the site Search FR Change theme Change theme Change theme Change theme About us About us What we do Our offices Our vision History Contact us Corporate governance Board of Directors Our leadership Governance documents Labour negotiation updates Labour negotiation updates Find the latest updates and Bank communications, answers to frequently asked questions, and other related content. Reconciliation Action Plan A plan to guide the Bank along its Reconciliation journey The Bank and you The Bank and you Engaging with Canadians Promoting economic literacy and education Educational resources The Economy, Plain and Simple Explainers Financial education resources Background materials Bank of Canada Museum Expand your understanding of spending and saving, discover your place in the economy and explore a world-class currency collection. What is a central bank? A central bank works to promote a country’s economic stability and its citizens’ financial well-being. Careers Careers Work at the Bank Scholarship awards Students and recent grads Work at the Bank Level up your career with us. Home Toggle navigation FR Toggle Search Change theme Change theme Change theme Change theme Search the site Search About us About us What we do Our offices Our vision History Contact us Corporate governance Board of Directors Our leadership Governance documents Labour negotiation updates Labour negotiation updates Find the latest updates and Bank communications, answers to frequently asked questions, and other related content. Reconciliation Action Plan A plan to guide the Bank along its Reconciliation journey The Bank and you The Bank and you Engaging with Canadians Promoting economic literacy and education Educational resources The Economy, Plain and Simple Explainers Financial education resources Background materials Bank of Canada Museum Expand your understanding of spending and saving, discover your place in the economy and explore a world-class currency collection. What is a central bank? A central bank works to promote a country’s economic stability and its citizens’ financial well-being. Careers Careers Work at the Bank Scholarship awards Students and recent grads Work at the Bank Level up your career with us. 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Publications Publications All publications Annual Report The Economy, Plain and Simple Financial Stability Report Monetary Policy Report Quarterly Financial Report Summary of deliberations Economic survey results Business Outlook Survey Canadian Survey of Consumer Expectations Financial System Survey Market Participants Survey Senior Loan Officer Survey Monetary Policy Report—October 2026 Inflation in Canada has been higher than anticipated and is projected to remain around 3% through much of 2027. It then returns close to 2% by the middle of 2028. The outlook for growth has improved, but uncertainty remains elevated. Financial Stability Report—2026 Canada’s financial system has functioned well through a challenging year. Households and businesses remain in stable financial condition, and banks have strengthened their capacity to absorb shocks. However, vulnerabilities have increased in some parts of the system, and a more turbulent global environment poses risks to financial stability. Research Research Key research themes Monetary policy Structural challenges Financial markets Financial system Money and payments Engaging with the research community Our research Sparks at Bank articles Staff analytical papers Staff working papers External publications Our researchers Forecasting oil prices: What works best and when Oil price forecasts help central banks assess risks to inflation and economic activity. Forecasters often rely on the latest price of oil, on futures markets or on economic models. The best approach depends on how far ahead forecasters are looking and whether they need only a forecast or also an explanation of what’s behind it. Press Press All press content Announcements Media advisories Press releases Selected media activities Speeches and appearances Upcoming events Webcasts Info Media contacts Blackout guidelines Principles for external communication News October 28, 2026 Bank of Canada raises the policy rate by 25 basis points to 2½% October 28, 2026 Monetary Policy Report—October 2026 October 28, 2026 Monetary Policy Report Press Conference Opening Statement October 19, 2026 Business Outlook Survey—Third Quarter of 2026 Press Conference: Monetary Policy Report – October 2026 Release of the Monetary Policy Report – Press conference by Governor Tiff Macklem and Senior Deputy Governor Carolyn Rogers (10:30 (ET) approx.). 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The key policy rate decision is published on a Wednesday at 9:45 Eastern Time. The blackout ends at 10:30 a.m. Eastern Time when the press conference associated with the decision begins. In January, April, July and October, when the Monetary Policy Report is published concurrently with the key policy interest rate decision, the blackout begins on Tuesday – eight days prior to the rate decision. When the policy rate decision is not published in conjunction with a Monetary Policy Report , the blackout begins on Wednesday – seven days prior to the rate decision. See the schedule of upcoming interest rate decisions. 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Send Money to Guatemala | Money Transfer to Guatemala - Wise You're on the Canada website. Switch to see what we offer on the Guatemala website. Skip to content Personal Wise Chequing Account Everything you need for your money at home and abroad, with zero monthly fees. Explore Features Send money Send large amounts Receive money Get a debit card Earn returns Pricing Personal pricing Business Wise Business The only account your start-up or scale-up needs to thrive internationally. Explore Features Send money Receive money Get a business card Earn returns Manage team finances Connect accounting software Solutions For startups Resources Explore API integrations Explore demo Contact sales Pricing Business pricing Platform Wise Platform Where banks, financial institutions and enterprises can plug into our network. 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Wise has an MSB licence with Revenu Québec under business number 1171229694. All investment services are provided by the respective Wise Assets entity in your location .

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¡Hola! Selecciona tu país Guatemala Banco CUSCATLAN El Salvador Banco CUSCATLAN Honduras Banco CUSCATLAN CUSCATLAN #TierradeCosasPreciosas Usted está siendo redireccionado hacia Continuar Recordar mi preferencia de país mediante
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Scotiabank Passport™  
Visa Infinite* Card 
Welcome Kit
Go farther with  
your Passport.
Displayed card designs may not be available until 2023. 
Actual cards will vary.
Welcome ...............................................................1
Features and Benefits ..................................2-3
Scene+ Program ............................................4-7
Scene+ Program Overview  
Terms and Conditions ................................8-10
  Insurance ......................................................11-12
Contact Information ...................................... 13 
General Inquiries  
Scene+ Program
Scotiabank’s 
Privacy Commitment  ....................................14
Table of Contents
1
Welcome
Congratulations on accepting and consenting to  
your Scotiabank Passport ™  Visa Infinite* Card.
Get started by activating your card.
Go to scotiabank.com/activatecreditcard or call 
1-800-806-8600.
Sign up for Scotia OnLine and mobile 
banking to:
 •  View your account balance, transactions and 
pending transactions in real time
 •  Set up Scotia InfoAlerts to get notified about  
important activity in your account
 •  Sign up for eStatements and get secure, 
instant online access to your monthly account 
statements
 • View your Scene+ points balance
 •  Add supplementary cardholders to your  
credit card account†
 •  Set up pre-authorized transactions for  
re-occurring payments
Download the Scotiabank mobile app, available on 
the App Store and Google Play.

2
Features and Benefits
Enter the world of exciting benefits
As a Scotiabank Passport Visa Infinite Cardmember, 
you get access to exclusive benefits and rewards  
that make incredible experiences possible and easy 
to have.
  No Foreign Transaction Fees
    You won’t pay the usual 2.5% foreign 
transaction fees on foreign currency 
purchases made online or when travelling 
abroad (only the exchange rate applies).1
  Lounge Access
   With the Visa Airport Companion Program 2 
(“Program”), the Primary Cardholder can 
enjoy 6 complimentary airport lounge visits 
per membership year (from the date of 
enrollment). This Program provides access to 
1,200 + airport lounges globally.
   To use a complimentary lounge visit, the 
Primary Cardholder must first enroll for Visa 
Airport Companion. Enrollment is quick and 
your membership begins immediately. Once 
enrolled, simply show your membership within 
the Visa Airport Companion App or Website 
or use your Scotiabank Passport Visa Infinite 
Card to gain access to lounges after enrolling.
   To enroll for the Program, review full  
Terms and Conditions for the Program and 
to view a full list of participating airport 
lounges (including facilities, opening times  
and restrictions) download the Visa Airport 
Companion App or visit 
visaairportcompanion.ca .
Visa Infinite benefits
As a Visa Infinite cardholder, your card provides 
benefits, special offers and experiences that make 
the things you do even better. Whether it’s travel, 
dining, or entertainment, these perks were created 
for you by Visa.3
  Visa Infinite Concierge
    Your complimentary Visa Infinite concierge 
can help you plan the perfect trip, birthday,  
or your next great idea. Available 24/7 at  
1-888-853-4458.
3
  Visa Infinite Luxury Hotel Collection
    Enjoy benefits including room upgrades, 
complimentary Wi-Fi and breakfast, late 
checkout and more at over 900 properties 
around the world.
  Visa Infinite Dining Series
    Get access to amazing dining events with top 
chefs at the best restaurants and wineries 
across the country.
   Entertainment & Lifestyle Offers
    Take advantage of specially curated offers 
including discounted golf, film screenings, 
wine country benefits, retail promotions  
and more.
Visit visainfinite.ca  to learn more and subscribe 
to receive emails from visa about Visa Infinite’s 
latest benefits and offers. The events, benefits and 
inclusions featured here are subject to change.
  Save on Car Rentals
    The Scotiabank Passport Visa Infinite account 
offers complimentary AVIS Preferred Plus 
Membership 4 to cardholders including:
  •  Complimentary upgrades  
(whenever available)
  •  Special AVIS Preferred Plus number for 
reservations and customer service support
  •  Discounts in Canada and United States 
ranging from 5% up to 25% off the lowest 
available discountable retail rate
Avis reservations may be made online at  
AVIS.com/scotiabankpassport  or by calling Avis 
at 1-800-try-AVIS (879-2847) . Please quote AVIS 
worldwide discount number C030506 .
Features and Benefits
4
Scene+ Program
Scene+ is the rewards program  
that puts you first.
Your Scotiabank Passport Visa Infinite Card gives you 
automatic membership to the Scene+™*  program. 
Scene+ is the rewards program that brings you better 
rewards, more exciting and flexible ways to earn and 
redeem points.
Enjoy a world of entertainment and travel rewards, 
gift cards, the latest in tech merchandise, statement 
credits and much more. You earn Scene+ points when 
you use your card to make everyday purchases.
For complete Scene+ program details, including how 
you earn Scene+ points, review the Scene+ program 
Terms and Conditions available at ScenePlus.ca.
To learn more about Scene+ and your Card, see the 
“Additional Terms and Conditions for Scotiabank Visa 
Cardmembers” section of the Scene+ program Terms 
and Conditions.
If you have any questions about the Scene+ program 
and its benefits, visit ScenePlus.ca or call us  
at 1-866-586-2805.
5
Here’s how you earn Scene+ points with 
your Scotiabank Passport Visa Infinite Card5
Earn 1 Scene+ point for every $1 spent on all 
other purchases.
TIP: Use your Scene+ membership and pay with 
your Scotiabank Passport Visa Infinite Card to earn 
points faster at partners like Cineplex◊, Scene+ Travel, 
Powered by Expedia, Rakuten®*, participating grocery 
stores, and 700+ restaurants. Your points will never 
expire as long as you have your Card.6
 •  Earn an additional 10,000 bonus Scene+ points 
when you spend $40,000 in purchases annually 
on your Scotiabank Passport Visa Infinite account 
(the “account”).7
 •  Following that, for every additional $10,000  
in purchases you charge in the same year to your 
account, you will earn 2,000 bonus Scene+ points. 
This is in addition to the points you already earn 
on those purchases!7
Scene+ Program
2X points
groceries
Earn 2X for every $1 spent at 
eligible grocery stores. 
2X points
dining
Earn 2X for every $1 spent at 
eligible restaurants, fast food  
and drinking establishments.
2X points
entertainment
Earn 2X for every $1 spent  
on eligible entertainment  
purchases, includes movies,  
theatre and ticketing agencies.
2X points
daily transit
Earn 2X for every $1  spent on 
eligible daily transit, includes 
ride-share, buses, taxis,  
subways and more.
3X points
Earn 3X for every $1 spent on all eligible purchases at participating 
grocery stores including Sobeys, Safeway, IGA, Foodland,  
Foodland & Participating Co-ops, FreshCo, Chalo! FreshCo,  
Thrifty Foods, Rachelle Béry, Les Marchés Tradition,  
Voilà by Sobeys, Voilà by Safeway and Voilà par IGA.
6
The Scene+ app is your gateway to rewards, your 
Scene+ card, points balance, and so much more.  
You can track the points you earn online with the:
 •  Scene+ app – Download on the App Store  
and Google Play
 • Scene+ website – ScenePlus.ca
 • Scotiabank mobile app
 • Scotia OnLine – scotiabank.com 
Travel
Get ready to take off with Scene+ Travel, 
Powered by Expedia8
With Scene+ Travel, Powered by Expedia, you earn  
3 Scene+ points per Canadian dollar spent on hotel 
and car rental bookings when you pay with your 
Scene+ points or  Scotiabank Passport Visa Infinite 
Card. Points can be redeemed fully or partially, for 
flights, car rentals and hotels. You can access a range 
of flexible options when it comes to booking and 
redeeming for travel purchases.
You can choose to book online or over the phone.
To book online:
 • Log in to your Scene+ account at ScenePlus.ca
 • Plan your trip with Scene+ Travel 
 •  Book your travel with points, your Scotiabank  
Passport Visa Infinite Card or a combination  
of both
To book over the phone:
 •  Call 1-800-419-8586 (available 24/7, fees apply)
Scene+ Program
7
Apply Scene+ Points to travel9
With Scene+, you have the flexibility to make your 
own travel arrangements with any travel provider, site 
or operator that you choose, and then select the  
“Apply Points to Travel” option to redeem points to 
cover off your trip costs within 12 months from the 
date of the travel purchase.
Simply: 
 •  Book eligible travel using your Scotiabank  
Passport Visa Infinite Card
 •  Wait for your travel purchase to be posted to  
your Card
 •  Log into ScenePlus.ca, and redeem your Scene+ 
points towards the travel purchase
To learn more on how to apply Scene+ points to  
travel, call 1-866-586-2805.
Beyond travel rewards
Treat yourself or your loved ones with rewarding  
experiences and exclusive offers by Scene+. 
Shopping and Gift Cards - Shop online with Scene+ 
Rakuten®* and earn up to 20% more Cash Back in 
points for eligible online purchases with select retailers. 
Redeem for the latest in tech through the Apple and 
Best Buy™**  Catalogues, and for gift cards at more than 
60 national retailers.
Dining - Redeem points at 700+ restaurant partners 
including Swiss Chalet‡, Harvey’s‡, Montana’s‡  
and more.
Entertainment - Redeem points at Cineplex Theatres◊, 
Cineplex Store◊, The Rec Room◊ and Playdium◊. 
Points for Credit - Use the ‘Points for Credit’ option  
to receive a statement credit on your Scotiabank  
Passport Visa Infinite Card Account.
Remember to review the Scene+ program Terms and 
Conditions available on ScenePlus.ca for full details 
about the program.
For more information about all the ways you can  
redeem your points or about the Scene+ program,  
visit ScenePlus.ca or call 1-866-586-2805.
Scene+ Program
8
Scene+ Loyalty Program Overview
Scene+ is a loyalty rewards program operated by 
Scene Limited Partnership (“Scene LP”), a limited 
partnership owned by Scotia Loyalty Ltd., a subsidiary 
of The Bank of Nova Scotia and Galaxy Entertainment 
Inc., a subsidiary of Cineplex Entertainment LP. The 
Scene+ loyalty rewards program is referred to herein 
as “Scene+”, the “Scene+ Program” or the “Program”. 
Scene LP is solely responsible for conducting and 
administering the Program.
The Scene+ Program Terms and Conditions are in 
addition to the other agreements that apply to your 
Scotiabank Passport Visa Infinite Card account  
(also referred to as the ‘account”). Your Scotiabank 
Passport Visa Infinite Card is also governed by the 
Revolving Credit Agreement and your disclosure  
statement (the “agreement”) in addition to the  
Scotiabank Privacy Agreement. You agree to be  
bound by the agreement, a copy of which has been 
provided to you with this document. Also see below  
in this document for more information about your  
Scotiabank Privacy Agreement.
By enrolling in the Scene+ Program (including  
automatic enrollment due to obtaining a Scotiabank  
Passport Visa Infinite Card) or collecting points 
(“Points” as further described below), you agree that 
you have read and understood the Scene+ Program, 
Terms and Conditions and Scene+ Privacy Policy as 
well as the agreement that applies to your Scotiabank 
Passport Visa Infinite Card, and are bound by all these 
terms. You also acknowledge that the agreement 
governing your Scotiabank Passport Visa Infinite Card 
account and Scotiabank Privacy Agreement are in 
addition to the Terms and Conditions governing your 
Scene+ membership card.
Participation Requirements
You require a Scotiabank Passport Visa Infinite Card 
and a Scene+ Account.
Membership Enrollment
We will facilitate the automatic connection and/or  
enrollment of your Scene+ Account to your  
Scotiabank Passport Visa Infinite Card in accordance 
with the Scene+ Privacy Policy.
Scene+ Program Overview 
Terms and Conditions 
9
Scene+ Agreement and Privacy 
Your membership in the Scene+ Program is  
governed by the Scene+ Program Terms and  
Conditions, available at  
www.sceneplus.ca/terms-and-conditions.
In order to receive the benefits of the Scene+  
Program, Scotiabank will share the following  
transaction information on an on-going basis with 
Scene LP: purchase date and amount, and merchant 
name and location. Scotiabank may collect from, or 
share with, Scene LP or Reward Partners such other 
data as may reasonably be needed to operate or offer 
the Scene+ Program including any benefits  
thereunder. Scene LP may use your information  
(along or together with other information it may have) 
for purposes described in its privacy policy, including 
to send offers that may be of interest to you.  
In accordance with Scene LP’s Privacy Policy, Scene LP 
may also share certain parts of your information  
(including contact information, gender, date of birth 
and redemption history) with select Reward Partners 
for use in accordance with their respective privacy 
policies to provide you with rewarding and  
personalized experiences of offers.
For more information on Scene LP’s privacy practices, 
you can obtain a full copy of the Scene+ Privacy Policy 
at www.sceneplus.ca/privacy or by calling Scene LP  
at 1-866-586-2805.
Scene+ Program Overview 
Terms and Conditions 
10
Other information you may want to know about  
the Scene+ Program
Your Scene+ Account may be closed if your Scene+ 
Membership Card was not used to earn, redeem or 
complete any other reward transaction activity in 
more than 24 consecutive months, unless you have 
a Scotiabank debit card or credit card account that 
earns Scene+ points like the Scotiabank Passport  
Visa Infinite account (the “account”) and is in  
good standing.
If your Scene+ Account is closed, you will forfeit 
all Scene+ points in your Scene+ Account. Unless 
prohibited by law, earning Scene+ points through 
your account with Scotiabank will not be considered 
earning Scene+ points on your Scene+ Account unless 
the account has been linked to your Scene+ Account. 
Written notice from Scene LP, as required by  
applicable law, will be provided prior to your Scene+ 
Account being closed.
Earning on Purchases
Every Scene+ member who is a Scotiabank Passport 
Visa Infinite cardholder will receive Scene+ points for 
purchases made on their Scotiabank credit card or 
debit card account (the “account”) that is associated 
with the Scene+ Program provided their card(s) for 
that account are linked to their Scene+ membership. 
Scene+ points are calculated on purchases, less 
returns (“Net Purchases”). Cash advances, including 
Scotia® Credit Card Cheques, balance transfers  
cash-like transactions, payments, fees, returns,  
refunds or other similar credits do not earn  
Scene+ points.
Primary borrowers and co-borrowers receive Scene+ 
points for purchases charged to their card which is 
linked to their individual Scene+ membership account. 
All purchases by supplementary cardholders will  
accrue Points for the account of the primary  
cardholder only.
Find out more about what you earn with your Card, 
see the “Additional Terms and Conditions for  
Scotiabank Visa Cardmembers” included in the 
Scene+ Program Terms and Conditions.
Learn more about the Scene+ Program at  
ScenePlus.ca or call 1-866-586-2805.
Scene+ Program Overview 
Terms and Conditions 
11
Insurance
Comprehensive Insurance
Go without worry. Your card has you covered.
Your Scotiabank Passport Visa Infinite card comes 
with a suite of comprehensive insurance and service 
benefits10 that protect you, your loved ones and  
your belongings.
Insurance benefits at a glance:
Please see the enclosed Certificate of Insurance for  
full details of these insurance coverages.
Insurance Type Coverage (CAD$)
Travel  
Emergency  
Medical
25 days for cardmembers aged 64 and under 
3 days for cardmembers aged 65 and over
Up to $2,000,000 per insured person per trip
Trip Cancellation Up to $1,500 per insured person / $10,000 
per trip
Trip Interruption Up to $2,500 per insured person / $10,000 
per trip
Flight Delay Up to $500 per insured person per trip
Delayed &  
Lost Luggage Up to $1,000 per trip
Hotel/Motel  
Burglary Up to $1,000 per burglary occurrence
Rental Car  
Collision/Loss  
Damage
48 days 
Limited to vehicles up to $65,000 in value
Common Carrier  
Travel Accident
Up to $500,000 per insured person /
$1,000,000 per occurrence
Purchase Security  
and Extended  
Warranty
Most new items protected for the first 90 
days from date of purchase in the event of 
loss, theft, or damage. Doubles the original 
manufacturer warranty period for up to 1 
additional year.
Maximum lifetime limit of $60,000 and is in 
excess of any other insurance coverage.
For complete insurance details, please refer to the 
insurance certificates included in this Welcome Kit,  
or call 1-800-263-0997.
12
Financial Protection
Scotia Credit Card Protection (optional)
Scotia Credit Card Protection11 insurance can help 
offer your family the financial protection they need 
when it matters most. This optional insurance12  
coverage can pay off your outstanding account  
balance or help cover your monthly credit card  
payments as a result of certain unexpected events 
that may have significant financial impact, such as  
Disability, Job Loss, Strike or Lockout, Critical Illness  
or Loss of Life.
Visit scotiabank.com/creditcardprotection for more 
information or simply call 1-855-753-4272 between 
8am and 8pm (EST) Monday to Friday and a  
Customer Service Representative will be pleased  
to assist you.
Insurance - Optional
13
Contact Information
Contact Us
Keep up with your account
The information you need is always close at hand.
Scotiabank Passport Visa Infinite Customer Service
For general information:
In Canada & U.S. 1-888-999-2718
All other areas (collect) 416-288-4676
Rewards information, travel service
Visit ScenePlus.ca 
Scene+ Centre, call 1-866-586-2805  
(Mon - Sun 8 am to 11 pm EST) 
Scene+ Travel, call 1-800-419-8586 (24/7)
Visa Assistance Centre (V AC)
For emergency card replacements/cash:
In Canada & U.S. 1-800-VISA-911
All other areas (collect) 416-581-9994
24-Hour Travel Emergency Medical  
Insurance Assistance
In Canada & U.S. 1-800-263-0997
Outside Canada & U.S. (collect) 416-977-1552
To Report All Other Insurance Claims
In Canada & U.S. 1-800-263-0997
Outside Canada & U.S. (collect) 416-977-1552
Visa Infinite Concierge Service
In Canada & U.S. 1-888-853-4458
Outside Canada & U.S. (collect) 1-630-350-4543
Scotia Credit Card Protection
In Canada 1-855-753-4272
TeleScotia Telephone Banking
In Canada & U.S. 1-800-267-1234
ATM ACCESS 
Worldwide look for machines displaying the  
Interac**, Visa or LINK symbols
14
Since 1832, Scotiabank’s business and reputation 
have been built on trusted relationships with our 
customers, employees, and other stakeholders. The 
protection of information in our custody is a critical 
component of these trusted relationships. As part of 
our ongoing commitment to fostering and  
maintaining trust, Scotiabank has established a  
robust privacy program that is designed to protect  
the personal information entrusted to us.
We work hard to:
 •  Be Accountable: We have established a  
foundational privacy framework that sets out the 
structure and accountability for the treatment of 
personal information across the Bank. Our privacy 
framework is overseen by a dedicated Privacy  
Office, led by our Chief Privacy Officer that sets 
and maintains Scotiabank’s privacy program.
 •  Be Safe: We have implemented measures  
designed to protect the personal information  
that has been entrusted to us.
 •  Be Respectful: We collect, use, and disclose  
personal information in a manner that is fair,  
ethical and non-discriminatory.
 •  Be Useful: We use information to deliver value,  
enhance the banking experience, and to manage  
our business.
 •  Be Adaptable: We monitor privacy and data  
protection laws, standards and industry practices  
so that we can provide our products and services  
in a privacy-respectful manner.
 •  Be Transparent: We explain how we handle  
personal information in a clear and easily  
accessible manner.
Our Privacy Agreement describes how we treat  
personal information including the types of personal 
information we collect, when and why we collect and 
use personal information, and the circumstances 
when we share and disclose it.
For a full copy of our Privacy Agreement, please visit: 
scotiabank.com/ca/en/about/contact-us/privacy.html 
or a Scotiabank Branch.
Scotiabank’s  
Privacy Commitment
15
All features, benefits and other information are  
subject to change. 
®  Registered trademark of The Bank of Nova Scotia.
™  Trademark of The Bank of Nova Scotia.
*  Visa Inc./Licensed user.
™*  Scene+ and the Icon Design are trademarks of Scene Plus IP Corporation, 
used under license.
◊  Cineplex, Playdium, The Rec Room, Cineplex Store, trademarks of  
Cineplex Entertainment LP , used under license. 
‡  Swiss Chalet, Harvey’s, Montana’s, trademarks of Recipe Unlimited  
Corporation, used under license. 
  Apple is a trademark of Apple Inc., registered in the U.S. and other countries 
and regions.
	 	BEST	BUY™**	is	a	trademark	of	Best	Buy	and	its	affiliated	companies	 
used under license. 
 Rakuten®*, trademark of Ebates Inc, used under license.
 All other marks are owned by their respective owners.
†  You are liable for all charges incurred on your account with any  
supplementary card issued in connection with the account. When you  
request Scotiabank to issue a supplementary card, we will also issue  
renewal and replacement cards for such supplementary card, unless the 
card is cancelled by you or Scotiabank. A Supplementary Cardholder’s  
signature on or use or retention of the supplementary card issued in his 
or her name shall evidence your receipt of the agreements relating to the 
account and your acceptance of their terms.
1   We will not charge you Foreign Transaction Fees on foreign currency 
transactions including purchases, only the exchange rate applies.  
The term “Foreign Transaction Fees” is a substitute for “Foreign Currency 
Conversion” as described in the Disclosure Statement for this Card. 
This fee relates to the 2.5% mark-up that is typically charged by credit 
card issuers in addition to the exchange rate. See the Foreign Currency 
Conversion section of the Disclosure Statement for this Card for full 
details. Rates and fees are subject to change.
2		 	Primary	Cardholders	with	a	valid	Scotiabank	Passport	Visa	Infinite	credit	
card account (the “Account”) Card have access to participating lounges 
within the Visa Airport Companion Program (“Program”), hosted and 
managed by DragonPass International Ltd.  Cardholders must enroll for  
this	benefit	either	through	the	Visa	Airport	Companion	App	(available	to	 
download for free) or on the Program Website (visaairportcompanion.ca) 
using a valid Card on the Account. Upon enrollment, 6 complimentary 
lounge visits will be available for the Primary Cardholder per membership 
year; the complimentary visits can be used by any Cardholder for  
themselves and for their accompanying guests at participating lounges 
(however, Primary Cardholder must be present for each such use). Lounge 
visits are counted on a per person per visit basis (e.g. lounge access by a 
Cardholder and one accompanying guest will count as two (2) visits). All 
additional visits beyond complimentary visits are subject to a fee of $32 
USD (subject to change) per person per visit. Applicable lounge access 
fees will be charged to the Card connected to the Cardholders’ Program 
membership (i.e. the Card enrolled in Program). 
16
  To view a full list of participating airport lounges, their facilities, opening 
times and restrictions Cardholders can visit the Program App and Website 
for more information.  To view the full Terms and Conditions for the 
Program, including DragonPass Terms of Use and Privacy Policy and Visa’s 
Privacy Policy that apply to the Program, visit the Visa Airport Companion 
Program App or Website.  
	 	The	Program	services	and	benefits	are	provided	by	DragonPass	and	
applicable third party offer providers and neither Visa nor The Bank of Nova 
Scotia is responsible for the Program or any claims or damages arising from 
participation in the Program.
  Unless the Program membership is suspended or cancelled, the Program 
membership and any included complimentary lounge visits (if applicable) 
will automatically renew annually on the anniversary date (based on date 
when the Cardholder enrolled for the Program). Program membership will 
be	cancelled	if	your	Scotiabank	Passport	Visa	Infinite	Card	is	cancelled.	
If	your	Scotiabank	Passport	Visa	Infinite	Card	is	renewed	or	replaced,	
remember to update your card details within the Visa Airport Companion 
Program (either on the App or on the Program Website).
3		 	You	must	be	an	eligible	Visa	Infinite	Cardholder	with	a	valid	Visa	Infinite	
Card	to	take	advantage	of	the	Visa	Infinite	benefits	and	services.	Discounts	
and	benefits	are	non-transferable	and	discounts	cannot	be	combined	
with any other offer or discount. Visa reserves the right to modify or cancel 
offers at any time and without notice. Neither Visa nor the Issuer is  
responsible	for	any	claims	or	damages	arising	from	use	of	any	benefits	
or	services	provided	by	a	third	party.	All	offers,	benefits	and	services	are	
subject to complete terms and conditions, including third party suppliers’ 
terms	and	conditions	(available	at	visainfinite.ca/	infinite/en/terms.html).	
The	Visa	Infinite	privacy	notice	 
(available at visa.ca/en_CA/legal/global-privacy-notice.html) applies to 
all	benefits	and	services	that	require	enrolment	through,	or	are	otherwise	
provided	by,	the	Visa	Infinite	Concierge	or	the	Visa	Infinite	website.	The	
collection, use and disclosure of Cardholders’ personal information by third 
party	suppliers	of	services	and	benefits	to	Visa	Infinite	Cardholders	are	
subject to such third parties’ own privacy policies.
4   The savings of up to 25% applies to Avis base rates and is applicable only 
to the time and mileage charges of the rental. All taxes, fees (including but 
not limited to Air Conditioning Excise Recovery Fee, Concession Recovery 
Fee, Vehicle License Recovery Fee, Energy Recovery Fee, Tire Management 
Fee, and Frequent Traveler Fee) and surcharges (including but not limited 
to Customer Facility Charge and Environmental Fee Recovery Charge) are 
extra. Avis Preferred Plus membership and services are provided by a third 
party.	The	Bank	of	Nova	Scotia	and	its	affiliates	are	not	responsible	for	Avis	
Preferred Plus membership and services.
5   You are awarded three (3) Scene+ Points for every $1.00 on purchases 
made at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys,  
Voilà par IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, 
Les Marchés Tradition, Rachelle Béry, and Co-Op locations .
  You are awarded two (2) Scene+ Points for every $1.00 in grocery, dining, 
entertainment and daily transit purchases charged and posted to the  
Scotiabank	Passport	Visa	Infinite	Account	(referred	to	as	the	“Accelerated	
Earn Rates”). See below for the Spend Threshold that applies to this  
Accelerated Earn Rate. You are awarded one (1) Scene+ Point for every 
$1.00 in all other purchases of goods and services charged to the  
Scotiabank	Passport	Visa	Infinite	Account	(the	“Regular	Earn	Rate”).	The	
Accelerated	Earn	Rate	for	the	Scotiabank	Passport	Visa	Infinite	Account	
applies	to	the	first	$50,000	in	purchases	charged	to	that	Scotiabank	
Passport	Visa	Infinite	Account	annually	at	merchants	qualifying	for	the	 
Accelerated Earn Rate (under the Merchant Category Code (“MCC”)  
17
categories of grocery, dining, entertainment and daily transit purchases as 
more particularly described above), with the annual period calculated on 
a 12-month basis. Annual period starts from the Scotiabank Passport Visa 
Infinite	Card	Account	open	date	and	resets	every	12	months	thereafter.	
Once you exceed the applicable annual spend (purchase) threshold, you 
will continue earning Scene+ Points at the Regular Earn Rate of one (1) 
Scene+ Point per $1.00 in purchases charged and posted to the Scotiabank 
Passport	Visa	Infinite	Card.
6   If your account with Scotiabank that earns Scene+ Points is not in good 
standing, the accumulated Scene+ Points earned on that account are not 
eligible for redemption. Your Scene+ Account may be closed if your Scene+ 
Membership Card was not used to earn, redeem or complete any other 
reward transaction activity in more than 24 consecutive months, unless 
you have a Scene+ Scotiabank debit or credit card that earns Scene+ Points 
that has not been cancelled and for which the underlying account remains 
open with Scotiabank. If your Scene+ Account is closed, you will forfeit all 
Scene+ Points in your Scene+ Account. Unless prohibited by law, earning 
Scene+ Points through a Scene+ Scotiabank debit or credit card shall not 
be considered earning Scene+ Points on your Scene+ Account unless the 
Scene+ Scotiabank debit or credit card has been linked to your Scene+ 
Account. If your Scene+ Scotiabank credit card is closed by Scotiabank 
because it is not in good standing, only the Scene+ Points earned on the 
credit card will be forfeited immediately. For more details, refer to the 
Scene+ Program Terms and Conditions.
7		 	With	a	Scotiabank	Passport	Visa	Infinite	credit	card	account	(“Account”)	
you can earn an annual Scene+ point bonus starting at 10,000 Scene+ 
points when you make at least $40,000 in eligible purchases annually on 
your Account each year (12-months). Annual period starts from the Account 
open date and resets every 12 months thereafter. You will earn 2,000 bonus 
Scene+ points for every additional $10,000 in eligible purchases thereafter 
in that same year, after the $40,000 annual spend has been reached.  
Eligible purchases include purchases (less any refunds, returns or other 
similar credits) but do not include payments, cash advances (including 
balance transfers, Scotia® Credit Card Cheques or cash-like transactions), 
interest, fees or other charges. 
  The annual bonus Scene+ points will be credited within approximately 2-3 
business days after you have met the $40,000 annual spend threshold on 
the Account and within approximately 2-3 business days after you have 
met each additional $10,000 annual spend threshold on the Account, 
provided your Account is open and in good standing. The Account is 
considered in good standing if it is not past due or over limit and the  
Cardholder(s) is not in breach of the Revolving Credit Agreement that 
applies to the Account.  
8  Scene+ Travel booking site is Powered by Expedia. Visit ScenePlus.ca for  
full details.
9   A minimum of 5,000 Scene+ Points are required to be redeemed per 
redemption when using the Apply Points to Travel option. To redeem 
Scene+ Points, the Scene+ Scotiabank credit or debit card must be open 
and in good standing, and the merchant category code must be recognized 
by Scotiabank’s system as described in the Scene+ Program Terms and 
Conditions. The value of the Scene+ Points redeemed cannot exceed the 
amount of the Apply Points to Travel redemption charged to your Scene+ 
Scotiabank credit or debit card. Scene+ Points redeemed for an Apply 
Points to Travel redemption cannot be reversed once posted to your 
Scene+ Scotiabank credit or debit card.
10   Common Carrier Travel Accident Insurance and Travel Emergency Medical 
Insurance is underwritten by The Manufacturers Life Insurance Company 
(Manulife). All other coverages are underwritten by Manulife and its 
50390724 (10/22)
subsidiary First North American Insurance Company (FNAIC). The Bank of 
Nova Scotia is not an insurer. All claims for insurance indemnities must be 
forwarded to the administrator. Details of the coverage, including  
definitions,	benefits,	limitations,	and	exclusions,	are	in	the	enclosed	
Certificate	of	Insurance	and	Terms	and	Conditions.	Read	the	Certificates	
of Insurance and Terms and Conditions and keep them in a safe place with 
your other valuable documents.
11   Scotia Credit Card Protection is underwritten by Chubb Life Insurance 
Company of Canada under a Group Policy issued to The Bank of Nova 
Scotia. All coverage is subject to the terms and conditions outlined in the 
Certificate	of	Insurance	which	you	will	receive	upon	enrolment.
12   A waiting period and pre-existing conditions apply to certain coverages. 
Critical Illness, Disability, Job Loss and Strike or Lockout coverages end at 
age 70; however, Life insurance coverage remains in place until the Primary 
Borrower reaches age 80. Full details of the coverage, including when 
coverage begins and ends, how to make a claim, terms and conditions,  
and	limitations	and	exclusions,	are	outlined	in	the	Certificate	of	Insurance.
IMPORTANT NOTICE - READ CAREFULL Y BEFORE 
YOU TRA VEL
Your credit card includes travel coverage – what’s next? 
We want you to understand (and it is in your best 
interests to know) what your Certificate of Insurance 
includes, what it excludes, and what is limited (payable 
but with limits). Please take time to read through your 
Certificate of Insurance before you travel. Capitalized 
terms are defined in your Certificate of Insurance.
•  Travel insurance covers claims arising from sudden 
and unexpected situations (i.e.: accidents and 
emergencies) and typically not follow-up or 
recurrent care. 
•  To qualify for this insurance, you must meet all the 
eligibility requirements.
•  This insurance contains limitations and exclusions 
(e.g.: Medical Conditions that are not stable, pregnancy, 
child born on trip, use of alcohol, high risk activities, etc.). 
•  This insurance may not cover claims related to 
Pre-Existing Conditions, whether disclosed or not. 
•  Contact the administrator before seeking Emergency 
Medical Treatment or your benefits may be limited 
or denied. 
•  In the event of a claim your prior medical history 
may be reviewed. 
IT IS YOUR RESPONSIBILITY TO UNDERSTAND 
YOUR COVERAGE. IF YOU HA VE QUESTIONS, 
CALL 1-800-263-0997.
Scotiabank  
Passport™ Visa Infinite* Card
Certificate Of Insurance and  
Terms and Conditions
Amended and Restated Effective: July 1, 2021
Certificate of Insurance ............................... 1
Definitions  .................................................. 2-6
Purchase Security,  
Extended Warranty ................................ 6-9
   Rental Car Collision/ 
Loss Damage Insurance ........................... 9-13
 Lost Luggage, Delayed  
Luggage and Hotel/  
Motel Burglary Insurance ..................... 13-16
 Trip Cancellation and 
Trip Interruption Insurance ...................16-21
 Flight Delay Insurance ........................ 21-22
 Common Carrier Travel  
Accident Insurance ............................ 22-25
 Travel Emergency  
Medical Insurance .............................. 25-30
 General Provisions and  
Statutory Conditions  ......................... 30-31
TABLE OF CONTENTS
1
This Certificate of Insurance contains a clause which 
may limit the amount payable. Additionally, this 
Certificate of Insurance contains a provision removing 
or restricting the right of the Insured Person to 
designate persons to whom or for whose benefit 
insurance money is payable.
 
This Certificate of Insurance contains information about 
your insurance. Please read it carefully and keep it in a safe 
place. Refer to the Definitions section or to the applicable 
description of benefits and the paragraph following this one 
for the meanings of all capitalized terms.
The coverage outlined in this Certificate of Insurance is 
effective as of July 1, 2021, and is provided to eligible 
Scotiabank Passport Visa Infinite  Cardmembers. Purchase 
Security, Extended Warranty, Lost Luggage, Delayed 
Luggage, Hotel/Motel Burglary, Rental Car Collision/Loss 
Damage, and Flight Delay Insurance under Group Policy 
No. BNS749 is underwritten by First North American 
Insurance Company (FNAIC), a wholly owned subsidiary of 
The Manufacturers Life Insurance Company (Manulife). Trip 
Cancellation and Trip Interruption Insurance under Group 
Policy No. BNS749 is underwritten by Manulife and FNAIC. 
Medical covered causes for a claim is underwritten by 
Manulife. Non Medical covered causes for a claim is 
underwritten by FNAIC. Common Carrier Travel Accident 
Insurance and Travel Emergency Medical Insurance under 
Group Policy No. BNS749 is underwritten by Manulife. Each 
insurer is hereinafter referred to individually or collectively 
as the  “Insurer”, as appropriate, and each Group Policy is 
hereinafter referred to individually or collectively as the 
“Policy”, as appropriate. The Policy is issued by the Insurer 
to The Bank of Nova Scotia (hereinafter referred to as the 
“Policyholder”).
The terms, conditions and provisions of the Policy are 
summarized in this Certificate of Insurance, which is 
incorporated into and forms part of the Policy. All benefits 
are subject in every respect to the Policy, which alone 
constitutes the agreement under which benefits will be 
provided. You or a person making a claim under this 
Certificate may request a copy of the Policy and/or copy 
of Your application for this insurance (if applicable) by 
writing to the Insurer at the address shown below.
The head office for Manulife and FNAIC is located at 250 
Bloor St. E. Toronto, Ontario M4W 1E5. 
Claim payment and administrative services are provided 
by the administrator. Manulife has appointed Active 
Claims Management (2018) Inc., Operating as “Active Care 
Management”, “ACM” , “Global Excel Management” and/or 
“Global Excel” as the provider of all assistance and claims 
services under this Policy.  
In no event will a corporation, partnership or business entity 
be eligible for the insurance coverage provided by this 
Certificate of Insurance.
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TRAVEL
A. Definitions
In this Certificate of Insurance, the following words or 
phrases have the meanings set forth below:
 Accidental Bodily Injury means an accidental bodily injury 
which is the direct source of a loss, and is independent of 
disease, bodily infirmity or other cause.
Account means the Cardmember’s Scotiabank Passport 
Visa Infinite card account, which must be in Good Standing 
with the Policyholder.
Cardmember means the Primary Cardmember and, any 
supplemental Cardmember who is a natural person resident 
in Canada to whom a Scotiabank Passport Visa Infinite card 
is issued and whose name is embossed on the card. The 
Cardmember may be referred to as “You” or “Your”.
Car Sharing means a car rental club that provides its 
members with 24-hour access to its own fleet of cars 
parked in a convenient location and does not include online 
marketplace services which facilitate the rental of privately-
owned cars, or other similar online services.
Check In means the moment the Insured Person registers at 
the Hotel/Motel.
Check Out means the moment the Insured Person vacates 
the Hotel/Motel room and pays the itemized total cost 
incurred for the duration of the stay by charging the full cost 
to the Account.
Checked Luggage means suitcases or other containers 
specifically designated for carrying personal belongings, for 
which a baggage claim check has been issued to the Insured 
Person by a Common Carrier.
Common Carrier means any land, water or air conveyance 
which is licensed to carry passengers without discrimination 
and for hire, excluding courtesy transportation provided 
without a specific charge.
Delayed Luggage means an Insured Person’s Checked 
Luggage which is delayed by the Common Carrier for more 
than 4 hours from the Insured Person’s time of arrival at the 
Final Destination.
Dependent Children means Your unmarried natural, 
adopted or step-children who are dependent on You for 
maintenance and support and who are either under 21 years 
of age, or under 25 years of age and in fulltime attendance 
at a recognized institution of higher learning in Canada. 
Dependent Child(ren) also includes children 21 years of 
age or over who are permanently mentally or physically 
challenged and incapable of self-support.
Doctor means a physician or surgeon who is registered or 
licensed to practice medicine in the jurisdiction where the 
medical treatment or service is provided, and who is not 
related by blood or by marriage to the Insured Person to 
whom the service is rendered.
Dollars and $ means Canadian dollars.
Eligible Expenses mean charges for any of the following 
travel arrangements which have been booked or reserved 
prior to departure on a Trip and for which at least 75% of all 
costs (including deposits and pre-payments, but excluding 
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the cost of additional insurance You may obtain from Your 
travel supplier) has been charged to Your Account and/or 
Your Scene+TM* points:
a)  cost of transportation by Common Carrier;
b)  cost of hotel or similar accommodation; and
c)  cost of a package tour (excluding insurance premiums) 
which has been sold as a unit and includes at least two 
of the following:
 • transportation by Common Carrier
 • meals
 • car rental
 •  tickets or passes for a sporting event, exhibition or 
other comparable entertainment event
 • hotel or similar accommodation
 • lessons or services of a guide
Emergency means an unforeseen event that occurs after 
a Trip was booked and makes it necessary to receive 
immediate treatment from a Doctor or to be hospitalized.
Emergency Medical Treatment means treatment necessary 
for the immediate relief of a Medical Emergency.
Essential Items mean the minimum essential clothing and 
toiletries, the purchase of which is rendered absolutely 
necessary and indispensable due to the delay of the Insured 
Person’s Checked Luggage.
Final Destination means the away-from-home ticketed 
destination for any particular day of travel, as shown on 
your Ticket.
GHIP means the Government Health Insurance Plan of an 
Insured Person’s province or territory of residence in Canada.
Good Standing means, with respect to an Account, that the 
Primary Cardmember has not advised the Policyholder to 
close it or the Policyholder has not suspended or revoked 
credit privileges or otherwise closed the Account.
Hospital means an institution which is licensed to provide, 
on an inpatient basis, medical care and treatment of sick 
and injured persons through medical, diagnostic and major 
surgical facilities, under the supervision of a staff of Doctors 
and with 24-hour-a-day service. Hospital does not include 
any institution or part of an institution which is licensed or 
used principally as a clinic, a continued care or extended care 
facility, a convalescent home, a rest home, a nursing home 
or home for the aged, a health spa or a treatment centre for 
drug addiction or alcoholism.
Hospitalization means a stay of at least 48 hours in a 
Hospital for Emergency and medical treatment which cannot 
be postponed.
Hotel/Motel means an establishment that provides lodging 
for the general public, and usually meals, entertainment, 
and various personal services. Hotel/Motel does not include 
a privately-owned residence offered for rental through an 
online marketplace service, or other similar online service.
Immediate Family Member means an eligible Cardmember’s 
relative as outlined under the applicable benefit.
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Insured Item means a new item (a pair or set being one item) of 
personal property for which the full Purchase Price is charged to 
an Account and/or paid with Scene+ points.
Insured Person means eligible persons as outlined under 
each coverage.
Key Employee means an employee whose continued 
presence at the Insured Person’s place of business is critical 
to the ongoing affairs of the Insured Person’s business during 
Your Trip.
Legal Business Partner means a person who participates 
with the Insured Person in the daily management of a shared 
business and who shares the financial risk of the operation.
Loss means:
a)  With respect to life, Accidental Bodily Injury causing 
death.
b)  With respect to sight, speech or hearing, Accidental 
Bodily Injury causing entire and irrecoverable loss of sight, 
speech or hearing.
c)  With respect to a hand, Accidental Bodily Injury causing 
actual severance of the entire four fingers of the same 
hand at or above the knuckle joints.
d)   With respect to a foot, Accidental Bodily Injury causing 
actual severance of a foot at or above the ankle joint.
Loss of Use means the amount charged by a car rental 
agency to compensate it when a rental vehicle is unavailable 
for rental while undergoing repairs for damage incurred 
during the rental period.
Manufacturer’s Warranty means an express written 
warranty valid in Canada or the United States issued by 
the original manufacturer of the Insured Item at the time of 
purchase, excluding any extended warranty offered by the 
manufacturer or any third party.
Medical Condition means any illness, injury or symptom, 
whether diagnosed or not.
Medical Emergency means an unforeseen illness or 
accidental injury which occurs during a Trip and which 
requires immediate medical care or treatment from a Doctor. 
A Medical Emergency ends when the illness or accidental 
injury has been treated such that the Insured Person’s 
condition has stabilized. Treatment provided when medical 
evidence indicates that an Insured Person could delay 
treatment or return to Canada for such treatment, is not 
considered a Medical Emergency and is not covered.
Mysterious Disappearance means the vanishing of an 
item which cannot be explained, i.e. there is an absence of 
evidence of a wrongful act of another person.
Network means a network of preferred medical providers, 
such as Hospitals and Doctors, who provide Emergency 
Medical Treatment under the Policy.
Occupying means in or upon or boarding or alighting from a 
Common Carrier.
Other Insurance means all other applicable valid insurance, 
indemnity, warranty, or protection available to You in respect 
of a loss subject to a claim under this Certificate of 
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Insurance, including group and individual insurance, credit 
card coverage (whether group or individual), and any other 
reimbursement plans. 
Pre-Existing Condition means any Medical Condition for 
which symptoms appeared or for which an Insured Person or 
an Insured Person’s Immediate Family Member sought the 
attention of a Doctor, had investigated, diagnosed or treated, 
had treatment or further investigation recommended or 
for which medication was prescribed or altered, in the case 
where the person is under 75 years of age, in the 180 days 
prior to the date the Trip was booked, and in the case where the 
person is 75 years of age or older, in the 365 days prior to the 
date the Trip was booked.
For Travel Emergency Medical Insurance, a Pre-existing 
Condition does not include a Medical Condition which is 
controlled by the consistent use of medications prescribed 
by a Doctor, provided that, during the 180-day period 
or 365-day period, as applicable, before the Insured 
Person’s departure, there has been no other treatment or 
investigation recommended and there has been no change 
in medication. A new medication or increase/decrease in 
dosage constitutes a change.
Primary Cardmember means the principal applicant for an 
Account who is a natural person resident in Canada to whom 
a Scotiabank Passport Visa Infinite card is issued by the 
Policyholder.
Purchase Price means the actual cost of the Insured Item, 
including any applicable taxes, as shown on the store receipt.
Reasonable and Customary Charges means charges which 
do not exceed the general level of charges made by other 
providers of similar standing in the locality or geographical 
area where the charges are incurred, when furnishing 
comparable treatment, services or supplies for a similar 
Medical Emergency.
Rescheduling Expenses mean the additional charges 
associated with Eligible Expenses, including administrative and 
change fees, which result from rescheduling a Trip, prior to 
departure, and which have been charged to Your Account and/
or paid with Your Scene+ points.
Spouse means the person who is legally married to the 
Cardmember or the person who has been living with the 
Cardmember for a continuous period of at least 1 year and is 
publicly represented as the Cardmember’s Spouse.
Ticket means evidence of fare paid for travel on a Common 
Carrier, which has been charged to Your Account and/or paid 
with Scene+ points.
Total and Permanent Disability or Totally and Permanently 
Disabled means that the Insured Person is continuously and 
totally disabled and will, in the opinion of a Doctor, never be 
able to be gainfully employed in an occupation for which the 
Insured Person is qualified, or could be qualified, by reason of 
education, training, experience or skill.
Travelling Companion means a person booked to travel 
with You and/or Your Spouse on a Trip and who has prepaid 
accommodations and/or transportation arrangements for 
the same Trip. Maximum number of Travelling Companions is 
three (3) persons.
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Trip means a scheduled period of time during which an 
Insured Person is away from their province or territory of 
residence in Canada, as determined by the departure and 
return dates.
B. Purchase Security and Extended Warranty
For Purchase Security and Extended Warranty coverage, 
Insured Person means the Cardmember.
1. PURCHASE SECURITY
a)  Benefits – Purchase Security coverage automatically, and 
without registration, protects most new Insured Items 
purchased anywhere in the world for 90 days from the 
date of purchase in the event of loss, theft, or damage 
in excess of Other Insurance, provided the full Purchase 
Price is charged to the Account and/or paid with Scene+ 
points. If an Insured Item is lost, stolen or damaged, You 
will be reimbursed the lesser of the repair or replacement 
cost, not exceeding the original Purchase Price charged 
to the Account, subject to the Limits of Liability and 
Exclusions for Purchase Security and Extended Warranty 
in section 3.
b)  Excluded Items – Purchase Security does not cover the 
following items: travellers cheques, cash, tickets or any 
other negotiable instruments; bullion, rare or precious 
coins; art objects (such as but not limited to hand-made 
items, limited editions, original, signature pieces or 
collectible plates); pre-owned or used items, including 
antiques and demos; animals; living plants; perishables 
such as food and liquor; aircraft and parts and accessories 
thereof; automobiles, motorboats, motorcycles or any 
other motorized vehicles and parts and accessories 
thereof; items consumed in use; services; ancillary costs 
incurred in respect of an Insured Item and not forming 
part of the Purchase Price; parts and/or labour required 
as a result of mechanical breakdown; items purchased 
by and/or used for a business or commercial purpose 
and commercial gain; mail order items until received and 
accepted by the Cardmember in new and undamaged 
condition; jewellery transported/stored in baggage which 
is not under the personal supervision of the Cardmember 
or Cardmember’s travelling companion.
c)  Gifts – Insured Items the Cardmember gives as gifts are 
covered under Purchase Security. In the event of a claim, 
the Cardmember, not the recipient of the gift, must make 
the claim for benefits.
d)  Other Insurance – Where an Insured Person has Other 
Insurance, the loss or damage MUST be reported to 
the Other Insurance carrier in addition to filing with the 
administrator, and copies of the payout documents from 
the Other Insurance carrier must be provided to the 
administrator. If the loss or damage is not covered under 
Other Insurance, a letter from the Other Insurance carrier 
so indicating may be required. Purchase Security coverage 
is provided strictly as excess coverage and does not apply 
as contributing insurance. Any reimbursement to the 
Cardmember under Purchase Security will be only to the 
extent a permitted claim exceeds coverage and payment 
under Other Insurance, regardless of whether the Other 
Insurance contains provisions indicating that its coverage 
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is non-contributory or excess. Purchase Security also 
provides coverage for the amount of the deductible under 
Other Insurance.
e)  End of Coverage – Coverage under Purchase Security 
ends on the earliest of:
(i)  90 days after the date of purchase of an  
Insured Item;
(ii)  the date the Account ceases to be in Good Standing; 
and
(iii)  the date the Cardmember ceases to be eligible  
for coverage.
 Items purchased after coverage has ended are not covered. 
2. EXTENDED WARRANTY
a)  Benefits – Extended Warranty coverage provides the 
Cardmember with double the period of repair services 
otherwise provided by the original Manufacturer’s 
Warranty, to a maximum of 1 additional year, on most 
Insured Items purchased anywhere in the world when 
the full Purchase Price is charged to the Account and/
or paid with Scene+ points. Extended Warranty benefits 
are limited to the lesser of the repair cost and the original 
Purchase Price charged to the Account, subject to the 
Limits of Liability and Exclusions for Purchase Security 
and Extended Warranty in section 3.
b)  Registration – Insured Items with a Manufacturer’s 
Warranty of 5 or more years are ONL Y covered if 
registered within the first year of purchase. Insured 
Items with a Manufacturer’s Warranty of less than 5 years 
DO NOT require registration. To register item(s) with a 
Manufacturer’s Warranty of more than 5 years, call 
1-800-263-0997  between 8:00 a.m. and 9:00 p.m., 
Monday through Friday and 8:30 a.m. to 5:00 p.m.  on 
Saturday, EST. You will be required to send copies of the 
following items to the administrator within 
1 year after the Insured Item is purchased:
(i)  a copy of the original merchant sales receipt;
(ii)  the customer copy of Your sales receipt or 
transaction confirmation;
(iii) the serial number of the item; and
(iv)  a copy of the original Manufacturer’s Warranty.
c)  Excluded Items – Extended Warranty does not cover 
the following items: aircraft and parts and accessories 
thereof; automobiles, motorboats, motorcycles and 
any other motorized vehicles and parts and accessories 
thereof; used items; living plants; trim parts; services; 
items purchased by and/or used for a business or 
commercial purpose and commercial gain; dealer and 
assembler warranties; or any other obligation other than 
those specifically covered under the terms of the original 
Manufacturer’s Warranty.
d)  Gifts – Insured Items the Cardmember gives as gifts are 
covered under Extended Warranty. In the event of a claim, 
the Cardmember, not the recipient of the gift, must make 
the claim for benefits.
e)  Other Insurance – Where an Insured Person has Other 
Insurance, the loss or damage MUST be reported to 
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the Other Insurance carrier in addition to filing with the 
administrator, and copies of the payout documents 
from the Other Insurance carrier must be provided to 
the administrator. If the loss or damage is not covered 
under Other Insurance, a letter from the Other Insurance 
carrier so indicating may be required. Extended Warranty 
coverage is provided strictly as excess coverage and does 
not apply as contributing insurance. Any reimbursement 
to the Cardmember under Extended Warranty coverage 
will be only to the extent a permitted claim exceeds 
coverage and payment under Other Insurance, regardless 
of whether the Other Insurance contains provisions 
indicating that its coverage is non-contributory or excess. 
Extended Warranty also provides coverage for the 
amount of the deductible under Other Insurance.
f)  End of Coverage – Coverage under Extended Warranty 
ends on the earliest of:
(i)  upon expiry of the Manufacturer’s Warranty, 
at the end of an additional period equal to the 
Manufacturer’s Warranty, not exceeding 1 year;
(ii)  the date the Account ceases to be in Good Standing; 
and 
(iii)  the date the Cardmember ceases to be eligible 
for coverage.
Items purchased after coverage has ended are 
not covered.
3.  LIMITS OF LIABILITY AND EXCLUSIONS FOR PURCHASE 
SECURITY AND EXTENDED WARRANTY
a)  Limits of Liability – The aggregate maximum lifetime 
liability is $60,000.
b)  In the event that the Insured Item cannot be repaired 
or replaced, the administrator, at its sole option, may 
reimburse You up to the Purchase Price of the Insured Item.
c)  Claims for items belonging to and purchased as a pair or 
set will be paid for at the full Purchase Price of the pair or 
set provided that the parts of the pair or set are unusable 
individually and cannot be replaced individually. Where 
parts of the pair or set are usable individually, liability will be 
limited to payment equal to the proportionate part of the 
Purchase Price that the number of damaged or stolen parts 
bears to the number of parts in the complete pair or set.
d)  Exclusions – Purchase Security and Extended Warranty 
does NOT provide coverage for losses resulting 
from: misuse or abuse; fraud; normal wear and tear; 
inherent product defects (which means imperfections 
which impair the use of the product); Mysterious 
Disappearance; theft from a vehicle unless the vehicle 
is locked and there are visible signs of forced entry; 
flood, earthquake or radioactive contamination; 
hostilities of any kind (including war, invasion, terrorism, 
rebellion or insurrection), confiscation by authorities, 
risks of contraband or illegal activity; or incidental and 
consequential damages, including bodily injury, property, 
punitive and exemplary damages and legal fees.
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4. HOW TO CLAIM
a)  Filing a Claim – To initiate a claim, the Cardmember must 
notify the administrator as soon as reasonably possible 
and PRIOR to proceeding with any action or repairs and 
no later than 90 days from the date of loss or damage, 
by calling 1-800-263-0997  from Canada and the United 
States or 416-977-1552  locally or collect from other 
countries between 8:00 a.m. and 9:00 p.m. Monday 
through Friday and 8:30 a.m. to 5:00 p.m. on Saturday, EST. 
To file a claim online, please visit www.manulife.ca/scotia.
b)  Validation of a Claim – The Cardmember MUST maintain 
ORIGINAL copies of all documents required. Where a 
claim is due to fraud, malicious acts, burglary, robbery, 
theft or attempt thereat, or is suspected to be so 
caused, the Cardmember MUST give immediate notice 
to the police or other authorities having jurisdiction. 
The Cardmember may be required to send, at the 
Cardmember’s expense and risk, the damaged Insured 
Item on which a claim is based, to an address designated 
by the administrator.
c)  Claim Form – Upon notifying the administrator of the loss, 
the Cardmember will be sent a claim form. The completed 
claim forms together with written proof of loss must be 
delivered as soon as reasonably possible, but in all events 
within 1 year from the date on which the loss occurred.
  (i)  Proof of Loss for Purchase Security – Under the 
Purchase Security coverage, the Cardmember will be 
required to complete a claim form and MUST include 
copies of the customer copy of the original merchant 
receipt, Scotiabank Passport Visa Infinite charge 
slip or transaction confirmation, Account statement, 
police report, and any other information reasonably 
required by the administrator to determine coverage 
eligibility. Please note, if a copy of the police report 
is not obtainable, You must provide the police 
department address and telephone number, incident 
report file number, and contact name on the file. 
 (ii)  Proof of Loss for Extended Warranty – Under the 
Extended Warranty coverage, the Cardmember 
will be required to complete a claim form PRIOR 
to proceeding with any repairs and MUST include 
copies of the customer copy of the original merchant 
receipt, Scotiabank Passport Visa Infinite charge 
slip or transaction confirmation, Account statement, 
and Manufacturer’s Warranty. Upon receipt of 
the completed documentation, if the claim is 
eligible for coverage, the administrator will provide 
authorization to proceed with the necessary repairs 
and the particulars of the repair facility designated to 
complete the necessary repairs.
C. Rental Car Collision/Loss Damage Insurance
For this coverage, Insured Person means a Cardmember 
and any other person who holds a valid driver’s license and 
has the Cardmember’s express permission to operate the 
rental vehicle. This includes drivers not listed on Your rental 
contract, provided they would otherwise qualify under the 
rental contract. 
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1. ELIGIBILITY
You are eligible for Rental Car Collision/Loss Damage (CLD) 
insurance when You rent most private passenger vehicles for 
a period not to exceed 48 consecutive days, provided that:
a)  You initiate the rental transaction with Your Scotiabank 
Passport Visa Infinite card (if arranged in advance, by 
booking or reserving the car rental with Your Scotiabank 
Passport Visa Infinite card) and by providing an imprint 
of Your Scotiabank Passport Visa Infinite card at the time 
You take possession of the car;
b)  You decline the rental agency’s collision damage waiver 
(CDW) or loss damage waiver (LDW), or similar provision; 
and
c) You rent the car in Your name and either:
i)  charge the entire cost of the car rental to Your 
Account; or
ii)   use Your Scene+ points to pay for all or part of the 
rental provided that, if Your Scene+ points do not pay 
for the entire cost of the car rental, the remaining cost 
is charged to Your Account.
Coverage is limited to one rental vehicle at a time, i.e. if 
during the same period there is more than one vehicle rental 
charged to the Account, only the first rental will be eligible 
for these benefits.
The rental period of Your rental contract must not exceed 
48 days. If the rental period exceeds 48 days, no coverage 
will be provided, even for the first 48 days of the rental 
period. Coverage may not be extended for more than 
48 days by renewing or taking out a new rental agreement 
with the same or another rental agency for the same vehicle 
or another vehicle.
In some jurisdictions, the law requires the rental agencies 
to provide CDW or LDW in the price of the car rental. In 
these locations, CLD insurance will provide coverage of any 
deductible that may apply, provided all the procedures 
outlined in this Certificate of Insurance have been followed 
and You have waived the rental agency’s deductible waiver. 
No CDW or LDW premiums charged by rental agencies will 
be reimbursed under the Policy.
Notes:
 •  Rental vehicles which are part of pre-paid travel 
packages are eligible for CLD insurance if the total 
package was charged to Your Account and all other 
eligibility requirements are met.
 •  Rental vehicles which are part of a Car Sharing program 
are eligible for CLD insurance if the full cost of each 
rental of a vehicle (per use and kilometer/mileage 
charges) was charged to Your Account and all other 
eligibility requirements are met. Some Car Sharing 
plans will include CDW/LDW in their membership fee. If 
Your Car Sharing membership includes CDW/LDW and 
there is no option to waive, then CLD insurance under 
this Policy will only provide coverage for any deductible 
You may be held responsible for, provided all the other 
requirements outlined in this Certificate of Insurance 
have been met.
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 •  “Free rentals” are also eligible for CLD insurance when 
received as the result of a promotion where You have 
had to make previous vehicle rentals, and each such 
previous rental satisfied the eligibility conditions set out 
in paragraphs a) through c).
 •  You are covered if You receive a “free rental” day or days 
as a result of an airline point program (or other similar 
program) for the number of days of free rental. If the 
free rental day(s) are combined with rental days for 
which You pay the negotiated rate, You must satisfy the 
eligibility conditions set out in paragraphs a) through c).
2. BENEFITS
CLD insurance is primary insurance which pays the amount 
for which You are liable to the rental agency up to the 
actual cash value of the damaged or stolen vehicle as well 
as any valid and documented Loss of Use, reasonable and 
customary towing charges, and administration charges 
resulting from damage or theft occurring while the rental 
vehicle is rented in Your name. This includes damage 
resulting from malicious vandalism and theft. Benefits 
are limited to one vehicle rental during any one period.
This coverage is available on a 24-hour basis anywhere in 
the world, except where prohibited by law or where the 
coverage is in violation of the terms of the rental contract 
in the jurisdiction in which it was formed. (See the section 
“Helpful Hints” for tips on how to avoid having use of this 
coverage challenged.)
3. TYPES OF RENTAL VEHICLES COVERED
The types of rental vehicles covered include cars, sports 
utility vehicles and minivans (as defined below).
Minivans are covered provided they:
a)  are for private passenger use with seating for no more 
than 8 occupants including the driver; and
b) are not to be used for hire by others.
4. TYPES OF RENTAL VEHICLES NOT COVERED
Vehicles which belong to the following categories are NOT 
covered:
a)  vans, other than minivans as described above;
b)  trucks, pick-up trucks or any vehicle that can be spontaneously 
reconfigured into a pick-up truck;
c) off-road vehicles;
d) motorcycles, mopeds or motorbikes;
e) campers, trailers or recreational vehicles;
f) vehicles not licensed for road use;
g) mini-buses or buses;
h)  antique cars (cars which are over 20 years old or have not 
been manufactured for 10 years or more);
i)  any vehicle which is either wholly or in part hand-made, 
or has a limited production of under 2,500 vehicles per 
year;
j)  any vehicle with a manufacturer’s suggested retail price 
excluding all taxes, over $65,000, at the time and place 
of loss;
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k)  tax-free cars (a tax-free car package that provides tourists 
with a short-term (17 days to 6 months), tax-free vehicle 
lease agreement with a guaranteed buyback);
l)  vehicles towing or propelling trailers or any other object; 
and
m) expensive or exotic vehicles.
5. LIMITATIONS AND EXCLUSIONS
CLD insurance does NOT include coverage for:
a)  a replacement vehicle for which Your personal automobile 
insurance or the repair shop is covering all or part of the 
cost of the rental;
b)  loss or theft of personal belongings in the vehicle;
c)  third party liability (injury to anyone or anything inside or 
outside the vehicle);
d)  expenses assumed, paid or payable by the rental agency 
or its insurers; or
e) damage/loss arising directly or indirectly from:
(i)  operation of the vehicle by any driver other than an 
Insured Person;
(ii)  operation of the vehicle on other than regularly 
maintained roads;
(iii)  alcohol intoxication where the driver’s blood alcohol 
concentration is equal to or over the blood alcohol 
concentration limit for impaired driving under the 
Criminal Code of Canada or the jurisdiction in which 
the vehicle rental occurred, if lower, or where the 
driver is charged for impaired driving;
(iv) use of narcotic drugs by the driver;
(v)  any dishonest, fraudulent or criminal act committed 
by the Insured Person and/or any authorized driver;
(vi)  operation of the rental vehicle contrary to the terms 
of the rental agreement/contract;
(vii)  wear and tear, gradual deterioration, or mechanical 
breakdown of the vehicle;
(viii)  road damage to tires unless in conjunction with an 
insured cause;
(ix)  insects or vermin, inherent vice or damage;
(x)  war, hostile or warlike action, insurrection, rebellion, 
revolution, civil war, usurped power, or action taken 
by government or public authority in hindering, 
combating, or defending against such action;
(xi)  seizure or destruction under quarantine or customer 
regulations, confiscation by order of any government 
or public authority;
(xii)  transportation of contraband or illegal trade;
(xiii)  transportation of property or passengers for hire; or
(xiv)  nuclear reaction, radiation or radioactive 
contamination.
13
6. HELPFUL HINTS
Important: Check with Your personal insurer and the 
rental agency to ensure that You and all other drivers have 
adequate personal property, personal injury and third-party 
liability coverages. CLD insurance only protects against loss 
or damage to the covered rental vehicle.
a)  Some rental agencies may resist Your declining their 
CDW/LDW coverage. They may try to encourage You to 
take their coverage. If You refuse, they may insist You 
provide a deposit. Before booking a car, confirm that the 
rental agency will accept CLD insurance without requiring 
a deposit. If they won’t, find one that will, and try to get 
written confirmation. If booking your trip through a travel 
agency, let them know you want to take advantage of 
CLD Insurance and have them confirm the rental agency’s 
willingness to accept it. You will not be compensated for 
any payment You may have to make to obtain the rental 
agency’s CDW/LDW.
b)  Check the rental car carefully for scratches, dents and 
windshield chips and point out any damage to the agency 
representative before You take possession of the car. Have 
them note the damage on the rental agreement or ask for 
another vehicle.
7. END OF COVERAGE
Coverage under CLD ends on the earliest of:
a)  the date and time the rental agency reassumes control of the 
rental vehicle, whether at its place of business or elsewhere;
b)  the date the Account ceases to be in Good Standing; and 
c)  the date the Insured Person ceases to be eligible for 
coverage. 
No benefits will be paid for losses incurred after coverage has 
ended, unless otherwise specified or agreed.
8. HOW TO CLAIM
If the vehicle sustains damage of any kind, IMMEDIATEL Y 
phone the administrator by calling 1-800-263-0997 from 
Canada and the United States or 416-977-1552  locally 
or collect from other countries. You will then be sent 
a claim form. To file the claim online, please visit 
www.manulife.ca/scotia.
Advise the rental agent that You have reported the claim and 
provide the administrator’s phone number. Do not sign a blank 
sales draft to cover the damage and Loss of Use charges.
The completed claim form and proof of loss must be given 
to the administrator as soon as reasonably possible after a 
claim occurs, but in all events within 90 days from the date 
on which the loss occurred.
D.  Lost Luggage, Delayed Luggage and Hotel/Motel 
Burglary Insurance
For Lost Luggage, Delayed Luggage, and Hotel/Motel 
Burglary coverage, Insured Person means the Cardmember 
and any Immediate Family Member travelling with a 
Cardmember. Immediate Family Member means the 
Cardmember’s Spouse and eligible Dependent Children.
14
1. LOST LUGGAGE
a)  Benefits – Lost Luggage coverage provides protection 
from theft or permanent misdirection of the Checked 
Luggage by a Common Carrier, provided that the full 
price of the Insured Person’s fare has been charged to 
an Account and/or paid with Scene+ points. 
The maximum benefit payable per Trip for all Insured 
Persons on the same Trip is $1,000. Payment is based 
on the actual replacement cost of any lost or stolen 
article provided the article is actually replaced. Otherwise, 
payment is based on the actual cash value of the article 
at the time of loss.
b)  Excluded Items – Lost Luggage does not cover: animals; 
any conveyance or appurtenances except bicycles; 
contact lenses; eyeglasses; hearing aids; artificial teeth; 
dental bridges; prosthetic limbs; money; securities; credit 
cards and any other negotiable instruments; tickets and 
documents; cameras; sporting equipment; business 
items; art objects (such as but not limited to hand-made 
items, limited editions, original, signature pieces or 
collectible plates); electronic equipment; luggage 
not checked; luggage held, seized, quarantined 
or destroyed by a customs or government agency; or 
where a reimbursement or a non-monetary (tickets, 
coupons, travel vouchers) settlement is made by the 
Common Carrier.
2. DELA YED LUGGAGE
a)  Benefits – Delayed Luggage coverage reimburses an 
Insured Person for the cost of replacing Essential Items 
when Checked Luggage is not delivered within 4 hours 
from the Insured Person’s time of arrival at the Final 
Destination, provided the full price of the Insured Person’s 
fare has been charged to an Account and/or paid with 
Scene+ points. The Essential Items must be purchased 
before the Checked Luggage is returned to the Insured 
Person and no later than 96 hours after the Insured 
Person’s time of arrival at the Final Destination. The 
maximum benefit payable per Trip for all Insured Persons 
on the same Trip is $1,000.
b)  Excluded Items – The Delayed Luggage coverage does 
not cover: losses occurring when Checked Luggage is 
delayed on an Insured Person’s return home to their 
province or territory of residence in Canada; expenses 
incurred more than 96 hours after the Insured Person’s 
time of arrival at the Final Destination; expenses incurred 
after the Checked Luggage is returned to the Insured 
Person; losses caused by or resulting from any criminal 
act by the Insured Person; luggage not checked; luggage 
held, seized, quarantined or destroyed by a customs 
or government agency; money; securities; credit cards; 
negotiable instruments; tickets; or documents of any 
nature whatsoever.
3. HOTEL/MOTEL BURGLARY
a)  Benefits – The Hotel/Motel Burglary coverage protects 
the Insured Person from theft of most items of personal 
property from a Hotel/Motel room for the period of time 
between Check In and Check Out where there is evidence 
of forceful entry, provided the full cost of the Hotel/Motel 
15
room has been charged to the Account and/or paid 
with Scene+ points. The maximum benefit payable per 
occurrence for all Insured Persons is $1,000, in excess of 
Other Insurance and/or payments made by the Hotel/Motel. 
b)  Excluded Items – Hotel/Motel Burglary does not cover: 
cash; travellers cheques; securities; credit cards or any 
other negotiable instruments; tickets; or documents.
4. END OF COVERAGE
Coverage under Lost Luggage, Delayed Luggage, and Hotel/
Motel Burglary ends on the earliest of:
a)  the date the Account ceases to be in Good Standing; and 
b)  the date the Insured Person ceases to be eligible for 
coverage. 
No benefits will be paid for losses incurred after coverage has 
ended, unless otherwise specified or agreed.
5. HOW TO CLAIM
a)  Filing a Claim – To initiate a claim, the Cardmember 
must notify the administrator as soon as reasonably 
possible, but no later than 90 days from the date of 
loss, by calling 1-800-263-0997  from Canada and the 
United States or 416-977-1552 locally or collect from 
other countries. To file a claim online, please visit 
www.manulife.ca/scotia.
b)  Validation of a Claim – The Cardmember MUST maintain 
ORIGINAL copies of all documents required. Where a 
claim is due to fraud, malicious acts, burglary, robbery, 
theft or attempt thereat, or is suspected to be so caused, 
the Cardmember MUST give immediate notice to the 
police or other authorities having jurisdiction. 
c)  Claim Form – Upon notifying the administrator of the loss, 
the Cardmember will be sent a claim form. The completed 
claim forms together with written proof of loss must be 
delivered as soon as reasonably possible, but in all events 
within 1 year from the date on which the loss occurred.
(i)  Proof of Loss for Lost Luggage – The Cardmember 
will be required to complete the claim form and 
MUST include copies of the Ticket, the baggage claim 
ticket, Scotiabank Passport Visa Infinite charge slip 
or transaction confirmation, Account statement, 
a written statement from the Common Carrier 
confirming:
• the date, time and details of the loss;
•  payout documentation from the Common Carrier 
including a copy of the cheque, claim form, a list of 
items lost and their value; and
•  any other information reasonably required by the 
administrator to determine coverage eligibility.
(ii)  Proof of Loss for Delayed Luggage – Under the 
Delayed Luggage coverage, the Cardmember will 
be required to complete the claim form and MUST 
include copies of the Scotiabank Passport Visa 
Infinite charge slip or transaction confirmation, 
Account statement, itemized receipts for actual 
expenses incurred for Essential Items, a written 
statement from the Common Carrier confirming:
16
• date and time of delay;
•  date and time that the Checked Luggage was 
returned to the Insured Person;
•  reason or circumstances surrounding the delay; 
and
•  any other information reasonably required by the 
administrator to determine coverage eligibility.
(iii)  Proof of Loss for Hotel/Motel Burglary – Under the 
Hotel/Motel Burglary coverage, the Cardmember 
will be required to complete a claim form and MUST 
include copies of the Scotiabank Passport Visa 
Infinite  charge slip or transaction confirmation, 
Account statement, a written statement from the 
Hotel/Motel confirming the date, time and details of 
the loss, police report, payout documentation from 
the Hotel/Motel and/or Other Insurance carrier, if 
applicable, and any other information reasonably 
required by the administrator to determine coverage 
eligibility. If a copy of the police report is not 
obtainable, You must provide the police department 
address and telephone number, incident report file 
number, and contact name on the file.
E.  Trip Cancellation and Trip Interruption Insurance
For this coverage, Insured Person means the Cardmember 
and/or a Spouse, and eligible Dependent Children if the cost 
of the Eligible Expenses for the Trip has been charged to 
the Account. 
Immediate Family Member means a spouse, daughter or 
son (whether natural, adopted or step-child), grandchild, 
grandparents, mother, father, step-parent, sister, step-sister, 
brother, step-brother, parent-in-law, daughter-in-law, 
son-in-law, sister-in-law or brother-in-law.
1. ELIGIBILITY
An Insured Person is eligible for Trip Cancellation and Trip 
Interruption coverage when Eligible Expenses for the Trip 
are charged to Your Account and/or paid with Scene+ points. 
2. TRIP CANCELLATION BENEFITS
If, prior to a scheduled departure, an Insured Person 
is required to cancel a Trip due to a covered cause for 
cancellation as described in the section Covered Causes for 
Cancellation below, You will be reimbursed for any Eligible 
Expenses which are not refundable or reimbursable in any 
manner, including through Other Insurance. The amount 
payable is subject to a maximum limit of $1,500 per Insured 
Person and $10,000 per Trip for all Insured Persons on the 
same Trip and will be limited to the cancellation penalties 
in effect on the date the covered cause for cancellation 
arises. It is therefore important that You cancel Your 
travel arrangements with Your travel supplier as soon as 
the covered cause for cancellation arises. Also, You must 
immediately advise the administrator as soon as a covered 
cause for cancellation arises.
If, prior to a scheduled departure, an Insured Person chooses 
to reschedule a Trip due to a covered cause for cancellation 
as described in the section Covered Causes for Cancellation 
below, You will be reimbursed for any Rescheduling Expenses 
17
which are not refundable or reimbursable in any manner, 
including through Other Insurance. The amount payable is 
the lesser of the Rescheduling Expenses and the amount 
that would have been paid under this Certificate of Insurance 
if the Trip had been cancelled outright. Your rescheduled trip 
will be considered a new Trip and the Pre-existing Condition 
period will be measured from the date the new Trip was 
booked.
Covered Causes for Cancellation (first occurring after Your 
Trip was booked) mean the following:
Medical Covered Causes for Cancellation:
a)  death of an Insured Person, a Travelling Companion, an 
Insured Person’s Immediate Family Member or a Travelling 
Companion’s Immediate Family Member occurring 
after the Trip is booked and within 31 days prior to the 
scheduled Trip departure date;
b)  Accidental Bodily Injury or sudden and unexpected 
sickness of an Insured Person or Travelling Companion, 
which did not result from a Pre-existing Condition 
and which prevents the Insured Person or Travelling 
Companion from starting the Trip. A Doctor must 
substantiate in writing that prior to the scheduled Trip 
departure date, he or she advised the Insured Person 
or Travelling Companion to cancel the Trip or that the 
Accidental Bodily Injury or sickness made it impossible for 
the Insured Person or Travelling Companion to start the Trip;
c)  Hospitalization due to an Accidental Bodily Injury or a 
sudden and unexpected sickness of an Insured Person’s 
Immediate Family Member or a Travelling Companion’s 
Immediate Family Member scheduled to occur during the 
Trip which did not result from a Pre-Existing condition 
and which was not known to the Insured Person or 
Travelling Companion prior to booking the Trip;
d)  Hospitalization of an Insured Person’s Immediate Family 
Member or a Travelling Companion’s Immediate Family 
Member, which did not result from a Pre-existing Condition, 
occurring after the Trip was booked and within 31 days prior 
to the Trip departure date;
e)  Hospitalization or death of an Insured Person’s Legal 
Business Partner or Key Employee or of a Travelling 
Companion’s Legal Business Partner or Key Employee 
occurring after the Trip was booked; and;
f)  Hospitalization or death of an Insured Person’s host or a 
Travelling Companion’s host at destination occurring after 
the Trip was booked.
Non-Medical Covered Causes for Cancellation:
a)  an enforceable call of an Insured Person to jury duty or 
sudden and unexpected subpoena of an Insured Person 
to act as a witness in a court of law requiring the Insured 
Person’s presence in court during the Trip;
b)  a written formal notice issued by the Department of Foreign 
Affairs and International Trade of the Canadian government 
after booking Your Trip, advising Canadians not to travel to 
a country, region or city originally ticketed for the Trip for a 
period that includes an Insured Person’s Trip;
18
c)  an employment transfer of the Insured Person by the 
employer with whom the Insured Person was employed 
on the date the Trip was booked, which transfer requires 
the relocation of the Insured Person’s principal residence 
within 30 days before the scheduled Trip departure date;
d)  a delay causing an Insured Person to miss a connection 
for a Common Carrier or resulting in the interruption of 
an Insured Person’s travel arrangements, including the 
following:
(i)  delay of an Insured Person’s Common Carrier resulting 
from the mechanical failure of that carrier;
(ii)  a traffic accident or an emergency police-directed 
road closure (either must be substantiated by a police 
report);
(iii) weather conditions; or
(iv)  unexpected or unforeseen earthquake of volcanic 
eruption.
  The outright cancellation of Common Carrier travel 
is not considered a delay. The benefit under this Cause 
for Cancellation is the Insured Person’s one-way economy 
fare via the most cost-effective route to the Insured 
Person’s next destination;
e)  a natural disaster that renders an Insured Person’s 
principal residence uninhabitable;
f)  an Insured Person’s quarantine or hijacking; and
g)  a call to service of an Insured Person by government with 
respect to reservists, military, police or fire personnel.
As soon as a covered cause for cancellation occurs, the 
Insured Person must cancel the Trip and You must notify 
the administrator by calling 1-800-263-0997  from Canada 
and the United States or 416-977-1552 locally or collect 
from other countries within 48 hours of the time the covered 
cause for cancellation arose.
3. TRIP INTERRUPTION BENEFITS
If during the Trip, an Insured Person is prevented from 
continuing the Trip or is unable to return on the original 
Trip return date due to a covered cause for interruption as 
described in the section Covered Causes for Interruption 
below, You will be reimbursed:
a)  the additional charges paid by You for a change in 
ticketing or the cost of a one-way economy fare to return 
to point of departure, whichever is less; and
b)  the amount of the unused portion of any Eligible 
Expenses which are not refundable or reimbursable, 
including through Other Insurance, excluding the cost 
of pre-paid, unused return transportation. 
The amount payable is subject to a maximum limit of $2,500 
per Insured Person and $10,000 per Trip for all Insured 
Persons on the same Trip. You must immediately advise the 
administrator as soon as a covered cause for interruption 
arises.
19
Covered Causes for Interruption mean the following: 
Medical Covered Causes for Interruption:
a)  death of an Insured Person, a Travelling Companion, an 
Insured Person’s Immediate Family Member or Travelling 
Companion’s Immediate Family Member during the Trip;
b)  Accidental Bodily Injury or sudden and unexpected 
sickness of an Insured Person or Travelling Companion, 
which did not result from a Pre-existing Condition and 
which, in the sole opinion of the administrator, based on 
medical advice provided by the attending Doctor, requires 
immediate medical attention and prevents the Insured 
Person or Travelling Companion from returning from the 
Trip on the scheduled return date;
c)  Accidental Bodily Injury or a sudden and unexpected 
sickness requiring Hospitalization of an Insured Person’s 
Immediate Family Member or a Travelling Companion’s 
Immediate Family Member during the Trip, which did not 
result from a Pre-existing Condition and which was not 
known to the Insured Person or Travelling Companion 
prior to the Trip departure date;
d)  Hospitalization or death of an Insured Person’s Legal 
Business Partner or Key Employee or a Travelling 
Companion’s Legal Business Partner or Key Employee 
which occurred during the Trip; and
e)  Hospitalization or death of an Insured Person’s host 
or a Travelling Companion’s host at destination which 
occurred during the Trip.
Non-Medical Covered Causes for Interruption
a)  a written formal notice issued by the Department of 
Foreign Affairs and International Trade of the Canadian 
government during the Trip, advising Canadians not to 
travel to a country, region or city originally ticketed for the 
Trip for a period that includes an Insured Person’s Trip;
b)  a delay causing an Insured Person to miss a connection 
for a Common Carrier or resulting in the interruption of 
an Insured Person’s travel arrangements including the 
following:
(i)  delay of an Insured Person’s Common Carrier resulting 
from the mechanical failure of that carrier;
(ii)  a traffic accident or an emergency police-directed 
road closure (either must be substantiated by 
a police report);
(iii) weather conditions; or
(iv)  unexpected or unforeseen earthquake or volcanic 
eruption.
  The outright cancellation of Common Carrier travel is 
not considered a delay. The benefit under this cause for 
interruption is the Insured Person’s one-way economy 
fare via the most cost-effective route to the Insured 
Person’s next destination;
c)  a natural disaster that renders an Insured Person’s 
principal residence uninhabitable;
d)  An Insured Person’s quarantine or hijacking; and
e)  a call to service of an Insured Person by government with 
respect to reservists, military, police or fire personnel.
20
As soon as a Cause for Interruption occurs, You must notify 
the administrator by calling 1-800-263-0997  from Canada 
and the United States or 416-977-1552 locally or collect from 
other countries. They will assist You in making the necessary 
arrangements to return.
4. LIMITATIONS AND EXCLUSIONS
No benefits are payable in respect of any Trip cancellation or 
Trip interruption resulting directly or indirectly from:
a)  cancellation of a Trip for any reason other than a covered 
cause for cancellation;
b)  interruption of a Trip for any reason other than a covered 
cause for interruption;
c) a Pre-existing Condition;
d)  pregnancy, childbirth and/or related complications 
occurring within 9 weeks of the expected delivery date;
e) neo-natal care;
f)  intentionally self-inflicted injury, suicide or any attempt 
thereat;
g)  illness or accidental injury sustained while under 
the influence of drugs, medication, alcohol or other 
intoxicants;
h) participation in a criminal offence;
i)  acts of terrorism, insurrection or war, whether declared or 
undeclared;
j)  voluntary participation in a riot or civil commotion; or
k)  participation in professional sports, speed contests, 
dangerous sports or events.
Please note: The Policy will only cover any excess cost over 
and above the travel rewards provided by any reward or 
frequent flyer plan. This Policy does not cover the value of 
the loss of any rewards or frequent flyer plan points, except 
Scene+ points.
5. END OF COVERAGE
Coverage under Trip Cancellation and Trip Interruption ends 
on the earliest of:
a)  the date the Account ceases to be in Good Standing; and 
b)  the date the Insured Person ceases to be eligible for 
coverage. 
No benefits will be paid for losses incurred after coverage has 
terminated, unless otherwise specified or agreed.
6. HOW TO CLAIM 
Immediately after learning of a loss or an occurrence which 
may lead to a loss covered under Trip Cancellation or Trip 
Interruption Insurance, You must contact the administrator 
by calling 1-800-263-0997  from within Canada and the 
United States or 416-977-1552 locally or collect from other 
countries to obtain a claim form. To file a claim online, please 
visit www.manulife.ca/scotia.
You must submit a completed claim form and provide 
documentation to substantiate Your claim, including the 
following:
21
a)  original Ticket(s) (including any unused coupons), original 
vouchers, original itinerary, invoices, and receipts;
b)  Scotiabank Passport Visa Infinite Account statement 
and any other documentation necessary to confirm 
that the costs of Eligible Expenses were charged to Your 
Account and/or paid with Scene+ points;
c)  proof satisfactory to the administrator that the 
cancellation or interruption of the Trip resulted from a 
covered cause for cancellation or interruption;
d)  name, address and phone number of the Insured Person’s 
employer; and
e)  name, address and policy numbers for all Other Insurance 
You and/or the Insured Person may have; and 
f)  any other information reasonably required by the 
administrator to determine coverage eligibility.
Written notice of claim must be given to the administrator 
as soon as reasonably possible after a covered cause for 
cancellation or interruption occurs, but in no event later 
than 90 days from the date on which the covered cause 
for cancellation or interruption occurred. Written notice 
given by or on behalf of the claimant or the beneficiary, with 
information sufficient to identify the Cardmember, will be 
deemed notice of claim.
F. Flight Delay Insurance
For this coverage, Insured Person means a Cardmember and/
or a Spouse, and eligible Dependent Children when travelling 
with the Cardmember and/or a Spouse. 
1. ELIGIBILITY
The Insured Person is eligible for Flight Delay coverage when:
a)  at least 75% of the full cost of the delayed flight ticket was 
charged to Your Account and/or paid with Scene+ points;
b)  delay of the flight was the result of strike by airline 
personnel, quarantine, civil commotion, hijack, natural 
disaster, inclement weather, mechanical breakdown or 
denied boarding due to overbooking; and
c)  no alternative transportation is made available within 
4 hours or more of the scheduled departure time of the 
original flight.
2. BENEFITS
You will be reimbursed for necessary and reasonable 
expenses incurred within 48 hours from the scheduled 
departure time of the original flight with respect to hotel 
accommodations, restaurant meals, refreshments, Essential 
Items and sundry items (such as a magazine, paperback 
book and other such small items) for all Insured Persons 
travelling on the same Trip. The maximum benefit payable 
per Insured Person is $500.
3. LIMITATIONS AND EXCLUSIONS
No benefits are payable for any loss caused by or resulting from:
a)  criminal or fraudulent acts of the Insured Person;
b)  war, whether declared or undeclared, civil war, 
insurrection, rebellion or revolution; or
c)  any warlike act by any government or military force.
22
4. END OF COVERAGE
Coverage under Flight Delay insurance ends on the earliest of:
a)  the date the Account ceases to be in Good Standing; and 
b)  the date the Insured Person ceases to be eligible for 
coverage. 
No benefits will be paid for losses incurred after coverage has 
ended, unless otherwise specified or agreed.
5. OTHER INSURANCE
This coverage is in excess of all other applicable valid 
insurance, indemnity, reimbursement or protection 
available to You in respect of the claim. The Insurer will be 
liable only for the amount of loss or damage exceeding the 
amount covered under such Other Insurance, indemnity, 
reimbursement or protection and for the amount of any 
applicable deductible, only if all such other coverage has 
been claimed under and exhausted and subject to the terms, 
exclusions and limits of liability set out in this Certificate 
of Insurance. This coverage will not apply as contributing 
insurance, notwithstanding any provision in any Other 
Insurance, indemnity or protection policies or contracts.
6. HOW TO CLAIM
Immediately after learning of a loss or an occurrence which 
may lead to a loss under Flight Delay Insurance, You must 
contact the administrator by calling 1-800-263-0997  from 
Canada and the United States or 416-977-1552 locally or collect 
from other countries to obtain a claim form. To file a claim 
online, please visit www.manulife.ca/scotia.
You must submit a completed claim form and provide 
documentation to substantiate Your claim, including the 
following:
a)  plane ticket(s) or the Scotiabank Passport Visa Infinite 
sales receipt for the plane ticket(s); 
b)  a written statement from the airline confirming and 
detailing the delay; 
c)  itemized original receipts for the necessary and 
reasonable expenses incurred for hotel accommodations, 
restaurant meals, refreshments, Essential Items and 
sundry items; and
d)  any other information reasonably required by the 
administrator to determine coverage eligibility.
Written notice of claim must be given to the administrator as 
soon as reasonably possible after a flight delay occurs, but 
in no event later than 90 days from the date on which the 
flight delay occurred. Written notice given by or on behalf of 
the claimant or the beneficiary, with information sufficient to 
identify the Cardmember, will be deemed notice of claim.
G. Common Carrier Travel Accident Insurance
For this coverage, Insured Person means a Cardmember and/
or a Spouse, and eligible Dependent Children while travelling 
with the Cardmember and/or a Spouse. 
23
1. ELIGIBILITY
The Insured Person is eligible for Common Carrier Travel 
Accident Insurance coverage when at least 75% of the cost 
of the Ticket is charged to Your Account and/or paid for with 
Scene+ points.
2. COVERAGE
Benefits are payable when an Insured Person sustains a Loss 
as a result of occupying a Common Carrier while coverage is 
in force. Coverage is in force when an Insured Person uses a 
Common Carrier to:
a)  Travel directly to the point-of-departure terminal for the 
trip shown on the Ticket.
b) Make the trip as shown on the Ticket.
c)  Travel directly from the point-of-arrival terminal for the 
trip shown on the Ticket to the next destination.
Coverage is also in force while the Insured Person is at a 
travel terminal immediately prior to or following the trip 
evidenced by the Ticket.
3. BENEFITS
Benefits are payable according to the following schedule:
 Amount of Benefit
Loss of: Cardmember or 
Spouse
Dependent 
Children
Life† $500,000 $50,000
Total and Permanent 
Disability†† $500,000 $500,000
Both hands or both feet $500,000 $500,000
One foot or one hand 
and the entire sight of 
one eye
$500,000 $500,000
Sight of both eyes $500,000 $500,000
One hand and one foot $500,000 $500,000
Speech and hearing $500,000 $500,000
One hand or one foot $250,000 $250,000
Sight of one eye $250,000 $250,000
Speech $250,000 $250,000
Hearing $250,000 $250,000
†Loss of life benefits are paid to the beneficiary designated by 
the Insured Person; if no beneficiary is designated, benefits 
are paid to the first surviving class in the following order: 
the Insured Person’s Spouse; in equal share to the Insured 
Person’s surviving children; in equal share to the Insured 
Person’s surviving parents; in equal shares to the Insured 
Person’s siblings; to the Insured Person’s estate. 
All other benefits are payable to the Insured Person.
24
†† Benefits are payable when an Insured Person has 
been Totally and Permanently Disabled for a period of 
365 consecutive days. 
The maximum benefit payable is $1,000,000 for Loss 
resulting from any one occurrence.
If more than one Loss is sustained by an Insured Person, then 
the total benefit payable from one accident is limited to the 
greatest amount payable for any one Loss sustained.
In no event does possession of multiple Certificates of 
Insurance or Accounts entitle an Insured Person to benefits 
in excess of those stated herein for any one Loss sustained.
4. EXPOSURE AND DISAPPEARANCE
Loss resulting from unavoidable exposure to the elements 
and arising out of the hazards described above shall 
be covered to the extent of the benefits afforded the 
Cardmember.
If the body of the Cardmember has not been found within 
1 year of the disappearance, stranding, sinking or wrecking of 
any vehicle in which the Cardmember was insured hereunder 
as an occupant, then it shall be presumed, subject to all other 
terms of the policy, that the Cardmember has suffered Loss 
of life covered under this policy.
5. LIMITATIONS AND EXCLUSIONS
No benefits are payable for any Loss caused by or resulting 
from:
a)  intentionally self-inflicted injuries;
b)  suicide or attempted suicide, whether sane or insane;
c) illness or disease.;
d)  normal pregnancy or resulting childbirth or miscarriages;
e)  bacterial infection except bacterial infection of an 
accidental bodily injury, or if death results from the 
accidental ingestion of a substance contaminated 
by bacteria;
f)  a declared or undeclared war. declared or undeclared 
war does not include acts of terrorism;
g)  accident occurring while a passenger on, or operating or 
learning to operate, or serving as a member of the crew 
of any aircraft except as provided on this certificate of 
insurance.
6. END OF COVERAGE
Coverage under Common Carrier Travel Accident insurance 
ends on the earliest of:
a)  the date the Account ceases to be in Good Standing; and 
b)  the date the Insured Person ceases to be eligible for 
coverage. 
No benefits will be paid for a Loss incurred after coverage has 
ended, unless otherwise specified or agreed.
7. HOW TO CLAIM
In the event of a claim, notify the administrator by calling 
1-800-263-0997  from Canada and the United States or 
416-977-1552 locally or collect from other countries. 
If possible, notice should be given within 90 days of the 
occurrence of a Loss.
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Notice must include the name of the Insured Person who 
sustained the Loss, the Account number to which the cost 
of the Ticket was charged, and the name and address of the 
person (acting on behalf of the Insured Person if necessary) 
to whom claim forms should be sent. 
If a completed claim form and accompanying documents 
for providing proof of Loss are not received within 15 days of 
giving notice of the claim, proof of Loss may be provided by 
giving the administrator a written statement of the nature 
and extent of the Loss.
Proof of Loss, whether it be a completed claim form or 
written statement, must be given to the administrator as 
soon as reasonably possible. The Insurer, at its expense, has 
the right to have the Insured Person examined as often as 
reasonably necessary while a claim is pending. The Insurer 
may also have an autopsy performed unless prohibited by law.
H. Travel Emergency Medical Insurance
For this coverage, Insured Person means the Cardmember 
and/or the Cardmember’s Spouse who is a resident of 
Canada and covered by a GHIP, and eligible Dependent 
Children. Coverage is provided for the first 25 consecutive 
days for Insured Persons under 65 years of age and for the 
first 3 consecutive days for Insured Persons 65 years of age 
or older. 
1. ELIGIBILITY
An Insured Person is eligible for Travel Emergency Medical 
coverage, provided Your Account is in Good Standing. 
2. COVERAGE PERIOD
Coverage Period for Insured Persons under age 65 
(on the Trip departure date) 
Only the first 25 consecutive days of a Trip are covered 
under Travel Emergency Medical Insurance, as determined 
by the originally scheduled departure and return dates.
There is no coverage for that portion of a Trip which extends 
beyond the first 25 consecutive days. In the event of a claim, 
proof of scheduled Trip duration will be required.
Coverage begins at 12:01 a.m. on the date the Insured Person 
leaves on a Trip and ends on the earliest of:
a)  the date the Insured Person returns to their province or 
territory of residence in Canada; 
b)  the date the Account ceases to be in Good Standing; 
c)   the date the Insured Person has been absent for more 
than 25 consecutive days (including the day of departure 
and day of return) from their province or territory of 
residence in Canada; and 
d)  the date the Insured Person ceases to be eligible for 
coverage (for Dependent Children, see the Definitions 
section for age limits).
No benefits will be paid for losses incurred after coverage has 
ended, unless otherwise specified or agreed.
Coverage Period for Insured Persons age 65 or older 
(on the Trip departure date)
Only the first 3 consecutive days of a Trip are covered 
under Travel Emergency Medical Insurance, as determined 
by the originally scheduled departure and return dates. 
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There is no coverage for that portion of a Trip which extends 
beyond the first 3 consecutive days. In the event of a claim, 
proof of scheduled Trip duration will be required. 
Coverage begins at 12:01 a.m. on the date the Insured Person 
leaves on a Trip and ends on the earliest of: 
a)  the date the Insured Person returns to their province or 
territory of residence in Canada; 
b)  the date the Account ceases to be in Good Standing; 
c)  the date the Insured Person has been absent for more 
than 3 consecutive days (including the day of departure 
and day of return) from their province or territory of 
residence in Canada; and
d)  the date the Insured Person ceases to be eligible for 
coverage (for Dependent Children, see the Definitions 
section for age limits). 
No benefits will be paid for losses incurred after coverage has 
ended, unless otherwise specified or agreed.
3. AUTOMATIC EXTENSION OF COVERAGE
Coverage will be automatically extended beyond the 25-day 
limit for Insured Persons under 65 years of age or beyond 
the 3-day limit for Insured Persons 65 years of age or older 
for up to 3 days following the end of a Medical Emergency.
In addition, Travel Emergency Medical Insurance coverage 
will also be automatically extended beyond the 25-day limit 
for Insured Persons under 65 years of age or beyond the 
3-day limit for Insured Persons 65 years of age or older for 
up to 3 days if an Insured Person’s return to their province or 
territory of residence in Canada is delayed solely as the result 
of:
a)  the delayed departure of the bus, train, plane or ship on 
which he or she is booked; or 
b)  an accident or the mechanical breakdown of an Insured 
Person’s personal vehicle.
4. OPTIONAL EXTENSION OF COVERAGE PROCEDURES
For trips that exceed 25 days for Insured Persons under 
65 years of age or for trips that exceed 3 days for Insured 
Persons 65 years of age or older.
Coverage may be extended beyond 25 days for Insured 
Persons under 65 years of age or beyond 3 days for Insured 
Persons 65 years of age or older. For more information 
or to purchase Travel Extension Coverage, please call the 
Insurer at 1-877-222-7342  from within Canada prior to the 
Insured Person’s departure from their province or territory of 
residence in Canada. You will receive a separate certificate of 
insurance for this coverage. 
The premium for the Scotia Travel Extension Coverage must 
be charged to Your Account and must be paid in full prior to 
Your Trip departure date.
5. BENEFITS
In the event of a Medical Emergency, Reasonable and 
Customary Charges for Emergency Medical Treatment in excess 
of any amount payable by or reimbursable under a GHIP or 
Other Insurance, will be paid by the administrator. Benefits are 
27
limited to $2,000,000 for each Insured Person, subject to the 
terms, limitations, and exclusions set out herein. 
The following expenses are eligible for reimbursement:
Hospital Accommodation, Medical Expenses and Doctor 
Charges for Emergency Medical Treatment.
Private Duty Nursing when prescribed by a Doctor.
Diagnostic Services including laboratory tests and x-rays 
when prescribed by a Doctor. NOTE: Magnetic resonance 
imaging (MRI), computerized axial tomography (CAT scans), 
sonograms and ultrasound must be authorized in advance 
by the administrator.
Ambulance Service to the nearest Hospital equipped to 
provide the required Emergency Medical Treatment. 
Emergency Air Transport to the nearest Hospital, or 
repatriation to a Hospital in the Insured Person’s province 
or territory of residence in Canada (when approved and 
arranged by the administrator) in the event the Insured 
Person’s condition precludes the use of other means of 
transportation.
Prescription Drug Reimbursement excluding any drugs 
or medications which are commonly available without 
prescription, or which are not legally registered and 
approved in Canada or the United States.
Accidental Dental Care to a maximum of $2,000 for treatment 
of natural or permanently installed teeth, necessitated by an 
accidental blow to the mouth. 
Medical Appliances including slings, braces, splints, and local 
rental of crutches, walkers and wheelchairs.
Return Airfare to cover any additional cost incurred for a 
one-way economy fare (less any refunds due on original 
tickets) and, if required, the charge for transportation of a 
stretcher and attending medical personnel to return the 
Insured Person to their province or territory of residence in 
Canada if further medical treatment is warranted and when 
approved and arranged by the administrator.
Transportation to Bedside from Canada for one of the 
Insured Person’s Spouse, parent, child, brother or sister when 
the Insured Person is hospitalized and expected 
to remain so for 3 days or more. This benefit must be 
pre-approved by the administrator. This benefit includes 
one round-trip economy airfare, food and accommodation 
expenses of $100 per day to a maximum of $1,500. This 
Travel Emergency Medical insurance will be extended, 
at no charge, for the person required at bedside for the 
duration of the Medical Emergency.
Vehicle Return cost to a maximum of $1,000 to return an 
Insured Person’s car to their province or territory of residence 
in Canada, or in the case of a rented vehicle, 
to the nearest appropriate rental location, when the 
Insured Person is unable to return the vehicle as a result 
of a Medical Emergency.
Car Accident Assistance when an Insured Person’s vehicle is 
disabled as a result of an accident during the Trip. A maximum 
of $200 per day will be paid toward the cost of accommodation, 
food, car rental, or commercial transportation for the time the 
vehicle is inoperable for a maximum of 3 days immediately 
following the date of the accident.
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Return of Deceased when death results from a Medical 
Emergency, to a maximum of $5,000 for the cost of 
preparation (including cremation) and transport of the 
Insured Person (excluding the cost of a burial coffin or urn) 
to their province or territory of residence in Canada.
6. MEDICAL EMERGENCY PROCEDURES
When a Medical Emergency occurs, You must contact the 
administrator without delay. See Section 7 for coverage 
Limitations.
24-hour assistance is available by calling 1-800-263-0997  
from within Canada and the United States, or 416-977-1552 
locally or collect from other countries. If calling the 
administrator from somewhere in the world where a collect 
call is not possible, call direct and You will be reimbursed.
The administrator will confirm coverage, provide directions 
to the Network facility or the nearest appropriate medical 
facility, provide the necessary authorization of payment of 
eligible expenses and manage the Medical Emergency.
The administrator will make every effort to pay or authorize 
payment of eligible expenses to Hospitals, Doctors, and 
other medical providers directly. If direct payment or 
payment authorization is not possible, an Insured Person 
may be required to make payments. In that event, the 
Insured Person will be reimbursed for eligible expenses on 
submission of a valid claim.
7. LIMITATIONS
Failure to notify the administrator immediately following 
a Medical Emergency, or as soon as possible under the 
circumstances, will limit the benefits payable as follows:
•  No benefits will be payable for surgery or invasive 
procedures (such as cardiac catheterization) without 
prior approval by the administrator, except in extreme 
circumstances where a request for prior approval would 
delay surgery needed in a life-threatening medical crisis.
•  Non-surgical eligible expenses for which benefits would 
otherwise have been provided will be limited to 80% of 
the total, to a maximum of $30,000. 
Benefits payable are further limited as follows:
•  In consultation with the attending Doctor, the 
administrator reserves the right to transfer the Insured 
Person to an appropriate Network facility or to their 
province or territory of residence in Canada for 
Emergency Medical Treatment. Refusal to comply will 
absolve the Insurer of any liability for expenses incurred 
after the proposed transfer date.
•  Once a Medical Emergency ends, no further benefits are 
payable for that Medical Emergency or for any recurrence 
of the condition which caused the Medical Emergency.
8. EXCLUSIONS 
No benefits are payable for any expenses incurred directly 
or indirectly as a result of:
a) any Pre-existing Condition; 
b)  any Medical Emergency or Emergency Medical Treatment 
that occurs other than during a Trip; 
29
c)  any elective or non-emergency surgery, treatment 
or medication, including ongoing care of a chronic 
condition; 
d)  any Medical Emergency that occurs during a Trip where 
the primary purpose was to work outside of Canada; 
e)  pregnancy, childbirth and/or related complications 
occurring within 9 weeks of the expected delivery date; 
f) neo-natal care; 
g) participation in a criminal offence; 
h)  intentionally self-inflicted injuries, suicide or any attempt 
thereat; 
i)  illness or accidental injury sustained while under 
the influence of drugs, medication, alcohol or other 
intoxicants; 
j)  acts of terrorism, insurrection or war, whether declared 
or undeclared; 
k)  voluntary participation in a riot or civil commotion; 
l)  treatments that are not prescribed by a Doctor; or 
m)  participation in professional sports, speed contests, 
dangerous sports or events including recreational scuba 
diving (unless the Insured Person holds a basic scuba 
designation from a certified school or licensing body).
9. HOW TO CLAIM
If the administrator is notified in advance of medical 
treatment: If the administrator authorizes Hospital or 
other medical payments on an Insured Person’s behalf, 
the Insured Person must sign an authorization form 
allowing the administrator to recover payments from their 
GHIP, other health plans or insurers and return it to the 
administrator within 30 days. If an advance has been made 
for ineligible expenses, You will be required to reimburse the 
administrator.
If the administrator is not notified in advance of medical 
treatment: If eligible expenses are incurred for which 
payment has not been pre-authorized by the administrator, 
they should be submitted to the administrator with original 
receipts and payment statements. Benefits may be excluded 
or reduced where the administrator has not been contacted 
in advance of treatment (see Section 7 for limitations on 
benefit payments).
Submitting Your Claim: To obtain a claim form, call the 
administrator at 1-800-263-0997  from Canada and the 
United States or 416-977-1552 locally or collect from other 
countries.
You must submit the completed claim form and provide 
documentation to substantiate the claim, including the 
following: 
a)  the cause and nature of the Medical Condition requiring 
treatment; 
b) original, itemized medical invoices;
c) original prescription receipts; 
d)  Your date of birth and the claimant’s date of birth (proof 
of age may be required); 
30
e)  a photocopy of the Insured Person’s GHIP (Health) card; 
f)  name, address and phone number of the Insured Person’s 
employer; 
g)  proof of the Insured Person’s departure and/or 
return date (i.e. copy of tickets, receipts, prepaid 
accommodation invoice and gas receipts); 
h)  name, address and policy numbers for all Other Insurance 
You and other Insured Persons may have; and 
i)  signed authorization to obtain any further required 
information.
Claims submitted with incomplete or insufficient 
documentation may not be paid.
I.  General Provisions And Statutory Conditions
Unless otherwise expressly provided herein or in the Policy, 
the following general provisions apply to the benefits 
described in this Certificate of Insurance.
1. SUBROGATION
As a condition to the payment of any claim to a 
Cardmember, the Cardmember and/or any Insured Person 
shall, upon request, transfer or assign to the Insurer all legal 
rights against all other parties for the loss. The Cardmember 
and/or any Insured Person shall give the Insurer all such 
assistance as the Insurer may reasonably require to secure 
its rights and remedies, including the execution of all 
documents necessary to enable the Insurer to bring suit 
in the name of the Cardmember and/or Insured Person.
2. TERMINATION OF INSURANCE
All coverage under this Certificate of Insurance terminates 
on the earliest of:
a)  the date the Account is cancelled or closed; and
b) the date the Policy terminates.
No benefits will be paid for any loss incurred after coverage 
under this Certificate of Insurance has terminated, unless 
otherwise specified or agreed.
3. DUE DILIGENCE
The Insured Person shall use diligence and do all things 
reasonable to avoid or diminish any loss under the Policy.
4. NOTICE AND PROOF OF CLAIM
Immediately after learning of a loss or an occurrence which 
may lead to a loss covered under the Policy, You must notify 
the administrator by calling 1-800-263-0997  from Canada 
and the United States or 416-977-1552 locally or collect from 
other countries. You will then be sent a claim form.
Written notice of claim must be given to the administrator as 
soon as reasonably possible after a claim occurs, but in all events 
provided within 90 days from the date on which loss occurred.
Failure to provide notice or furnish proof of claim within the 
time prescribed herein does not invalidate the claim if notice 
or proof is given or furnished as soon as reasonably possible, 
and in no event later than 1 year from the date the a claim 
arises hereunder, if it is shown that it was not reasonably 
possible to give notice or furnish proof within the time so 
31
prescribed. If the notice or proof is given or furnished after 1 
year, Your claim will not be paid.
5. PA YMENT OF CLAIM
Benefits payable under the Policy will be paid upon receipt of 
full written proof, as determined by the administrator.
6. LEGAL ACTION
Every action or proceeding against an insurer for the recovery 
of insurance money payable under the contract is absolutely 
barred unless commenced within the time set out in the 
Insurance Act, Limitations Act or other applicable legislation 
in Your province or territory.
7. FALSE CLAIM
If You make a claim knowing it to be false or fraudulent in 
any respect, You will not be entitled to the benefit of coverage 
under the Policy, nor to the payment of any claim made under 
the Policy.
8. IF YOU HA VE A CONCERN OR COMPLAINT
If You have a concern or complaint about Your coverage, 
please call the administrator at 1-800-263-0997  or the 
Policyholder at 1-800-472-6842. The administrator will do its 
best to resolve Your concern or complaint. If for some reason 
the administrator is unable to do so to Your satisfaction, 
You may pursue the concern or complaint in writing to an 
independent external organization. You may also obtain 
detailed information for the Insurer’s resolution process 
and the external recourse by calling the administrator at the 
number listed above or at: 
www.manulife.ca/personal/support/contact-us/resolve-a-
complaint.html.
9. PRIV ACY
The Manufacturers Life Insurance Company and First North 
American Insurance Company,
Manulife is committed to protecting your privacy and the 
confidentiality of your personal information. Manulife’s 
Privacy Policy is located at www.manulife.ca. We will 
collect, use, and disclose personal information only for the 
purposes of administering the coverages in this Certificate.  
To protect the confidentiality of your personal information, 
we will establish a financial services file from which your 
information will be used to administer services and process 
claims. Access to this file will be restricted to Manulife 
employees, mandatories, administrators or agents who are 
responsible for the assessment and investigation of claims, 
and to any other persons you authorize or as authorized 
by law. These people, organizations and service providers 
may be in jurisdictions outside Canada, and subject to 
the laws of those foreign jurisdictions. Your file is secured 
in Manulife’s offices or those of our Administrator, Global 
Excel Management. You may request to review the personal 
information it contains and make corrections by writing to:  
Privacy Officer, Manulife, 500 King Street North, P.O. Box 
1602, Waterloo, ON N2J 4C6. Visit www.manulife.ca/privacy-
policies.html for further details on our privacy policy.  
32
® Registered Trademark of The Bank of Nova Scotia.
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50371411 (02/22)