1 WE-SUMM-EN_04/24
Table of Contents
ROGERS RED WORLD ELITE MASTERCARD PRODUCT SUMMARY for Out-of-Province/Out-of-Country
Emergency Medical Coverage, Trip Cancellation and Trip Interruption and Trip Delay ............................ 2
INTRODUCTION ................................................................................................................................ 2
COVERAGE
SUMMARY ........................................................................................................................ 2
OUT-OF-PROVINCE/OUT-OF-COUNTRY
MEDICAL
COVERAGE
.................................................................. 3
TRIP CANCELLATION AND TRIP INTERRUPTION AND TRIP DELAY COVERAGE ....................................... 4
GENERAL
PROVISIONS
....................................................................................................................... 4
ADDITIONAL
INFORMATION .............................................................................................................. 5
HOW TO FILE A COMPLAINT .............................................................................................................. 5
ROGERS RED WORLD ELITE MASTERCARD PRODUCT SUMMARY for Rental Car Collision/Damage
Insurance, Purchase Protection and Extended Warranty Insurance ....................................................... 7
INTRODUCTION ................................................................................................................................ 7
COVERAGE
SUMMARY ........................................................................................................................ 7
RENTAL
CAR
COLLISION/DAMAGE
INSURANCE
.................................................................................... 8
PURCHASE
PROTECTION
AND
EXTENDED
WARRANTY
COVERAGE
........................................................ 8
GENERAL
PROVISIONS
..................................................................................................................... 10
ADDITIONAL
INFORMATION ............................................................................................................ 10
HOW TO FILE A COMPLAINT ............................................................................................................ 10
Rogers Red World Elite
®
Mastercard
®
Insurance Product Summary
2 WE-SUMM-EN_04/24
INSURER
ADMINISTRATOR
DISTRIBUTOR
CUMIS
General
Insurance
Allianz
Global
Assistance
Rogers Bank
Company
700
Jamieson
Parkway
1 Mt. Pleasant Road, 5
th
Floor
151 North Service Road
Cambridge, ON N3C 4N6
Toronto, ON, M4Y 2Y5
Burlington, ON L7R 4C2
1-800-670-4426
1-855-775-2265
1-800-263-9120
Registered with the Autorité
des
marchés
financiers
under
client number 2000383675.
QUEBEC
RESIDENTS
The Autorité des marchés financiers can provide information about your rights and the duties of the
insurer, administrator and distributor.
Autorité des marchés financiers
Place de la Cité, Tour Cominar
2640, boulevard Laurier, 4e étage
Québec, QC G1V 5C1
1-877-525-0337
lautorite.qc.ca
This Product Summary will provide an overview of the insurance benefits included with your Rogers
Red World Elite Mastercard. It will help you determine if this insurance meets your needs. This
document highlights some of the key benefits, exclusions, limitations and restrictions that apply to this
coverage. Refer to the certificate of insurance for the complete terms and conditions. If you have
questions about this coverage, contact Allianz Global Assistance.
The certificate of insurance can be found at:
https://www.cumis.com/en/information/Pages/quebec-guides-and-summaries.aspx
Coverage
is
effective
during
the
Coverage
Period
described
in
the
certificate
of
insurance.
COVERAGE
LIMITS
Out-of-Province/Out-of-Country Emergency
Medical Coverage
Trip
Duration
•
Age 0-64:
Up to 10 consecutive days per trip
•
Age 65-75:
Up to 3 consecutive days per trip
Coverage Maximum:
Up to $1,000,000 per
person per trip.
Trip Cancellation and Trip Interruption and Trip
Delay Coverage
Cancellation:
$1,000 per insured person ($5,000
per account, per trip)
Interruption and Delay:
$1,000 per insured
person ($5,000 per account, per trip)
ROGERS RED WORLD ELITE MASTERCARD PRODUCT SUMMARY for Out-of-
Province/Out-of-Country Emergency Medical Coverage, Trip Cancellation and Trip Interruption
and Trip Delay
3 WE-SUMM-EN_04/24
Emergency Medical covers you up to $1 million for any unexpected emergency sickness or injury that
happens during your trip outside of your province or territory of residence.
To
be
eligible,
you
must:
•
be
a
Canadian
resident
listed
on
a
Rogers Red World Elite Mastercard
account,
•
be age 75 or younger, and
•
be
covered
by
a
government
health
insurance
plan
during
the
entire
trip.
Important:
Your
account
must
be
in
good
standing
If you are age 0-64, you have coverage for trips up to 10 consecutive days (including your departure date).
If you are age 65-75 you have coverage for trips up to 3 consecutive days (including your departure date).
BENEFITS
EXCLUSIONS
If you experience a medical emergency while
travelling, this insurance provides coverage for
the following:
•
Emergency Hospital, Ambulance & Medical
Expenses
•
Emergency
Air
Transportation
or
Evacuation
•
Attendant/Return
of
Travel
Companion
•
Transportation
to
Bedside
•
Return
of
Deceased
(Repatriation)
•
Additional Hotel and Meal Expenses
•
Return
of
Vehicle
You will not be paid for expenses that arise
from, or relate to the following:
•
Pre-existing Conditions:
A sickness, injury, or
medical condition that is not stable during the
stability period listed in the certificate of
insurance.
•
Travelling against the advice of a physician
•
Some matters relating to mental or emotional
disorders
•
Abuse of alcohol or drugs including misuse of
medication
•
Travelling
to
seek
medical
treatment
•
Some
matters
related
to
pregnancy
•
Participation in dangerous activities or illegal
acts
•
Travel to regions for which the Canadian
government has issued a travel advisory
•
Acts of war and terrorism or any nuclear
occurrence
Refer to the
Benefits
of the Emergency Medical
Coverage section in the
certificate
of insurance for
details.
Refer to the Exclusions of the Emergency Medical
Coverage section in the
certificate
of insurance for
details.
NOTICE
WARNING
4 WE-SUMM-EN_04/24
You will receive payment for non-refundable, non-transferable, prepaid travel expenses if you need to
cancel, interrupt or delay your trip as a result of a covered reason.
•
Trip Cancellation Insurance: Up to $1,000 per person per trip (maximum $5,000 per account). Trip
Cancellation Insurance occurs before you leave.
•
Trip Interruption/Trip Delay Insurance: Up to $1,000 per person per trip (maximum $5,000 per
account). Trip Interruption/Trip Delay Insurance occurs while you are on trip and cannot continue as
planned.
To
be
eligible,
you
must:
•
be
a
Canadian
resident
listed
on
a
Rogers Red World Elite Mastercard
account,
and
•
charge
the
full
trip
cost
to
the
account
prior
to
departure.
COVERED
REASONS
EXCLUSIONS
Covered Reasons include but are not limited to
the following:
Work
•
Job
transfer
•
Involuntary
termination
Health
•
Sickness
or
injury
•
Death
Legal
•
Jury
duty
Other
•
Extreme
weather
•
Canadian government issues a travel advisory
after the effective date
You will not be paid for expenses that arise
from, or relate to the following:
•
Pre-existing Conditions:
A sickness, injury, or
medical condition that is not stable during the
stability period listed in the certificate of
insurance.
•
Known reasons that require you to cancel
your trip or return during the trip
•
Visiting an ailing person whose sickness or
death causes cancellation or interruption
•
Certain matters related to mental and
emotional disorders
•
Abuse of alcohol or drugs including misuse of
medication
•
Certain
matters
related
to
pregnancy
•
Acts or war and terrorism, any nuclear
occurrence, or participation of any criminal
offence
•
Losses
recovered
from
any
other
source
Refer to the Trip Cancellation Insurance and Trip Interruption and Trip Delay Coverage section of the
certificate
of
insurance.
Additional Insurance
- This insurance only pays amounts that are beyond amounts payable from your
government health insurance plan (if applicable), any other insurance plan or source.
Currency - All amounts in the certificate are in Canadian currency and reimbursements will be provided in
Canadian currency.
Waiver - no provision of this insurance shall be considered to be waived, either in whole or in part, unless
clearly stated in writing and signed by the insurer.
TRIP CANCELLATION AND TRIP INTERRUPTION AND TRIP DELAY
WARNING
5 WE-SUMM-EN_04/24
Legal Action
- Legal action against the insurer must begin within the timeline determined by the Insurance
Act or Limitations Act of your home province or territory of residence. For Quebec residents this is in the
Quebec Civil Code.
Third Party Liability
- If you incur expenses due to a third party, the insurer may take legal action against
the third party at the insurer's expense. You will support the insurer by co-operating with them and
supplying any documentation they may need. You agree to do nothing to interfere with the insurer's right
to recover funds.
Refer
to
the
General
Provisions
section
of
the
certificate
of
insurance
for
details.
The
Operations
Center
has
the
following
services
available
to
you
24/7:
•
Pre-trip
assistance
such
as
passport
and
visa
information.
•
Medical emergency assistance
such as case monitoring and arranging emergency transportation
arrangements.
•
Non-medical
emergency
assistance
such
as
emergency
cash transfer
and
emergency
message
services.
Coverage automatically extends during hospitalization and for an additional 5 days after discharge from
the hospital. If medical evidence shows you are medically unfit to travel due to a covered sickness,
coverage automatically extends for up to 5 days.
If you are delayed due to a vehicle, airline, bus, train, or government-operated ferry system, coverage
automatically extends for up to 72 hours.
Refer
to
Automatic
Extension
of
Coverage
in
the
Emergency
Medical
section
of
the
certificate
for
details.
If you make a claim knowing it to be untrue in any respect, you will not have coverage and your claims will
not be paid.
If
you
decide
to
extend
your
trip
please
call
Allianz
Global
Assistance.
If you submit a claim and are not satisfied with the outcome, you have the right to file a complaint by
following the process below.
1.
Contact
Allianz
Global
Assistance
Appeals must be submitted in writing describing why the outcome of your claim is incorrect along
with any new supporting documentation.
Allianz
Global
Assistance
Appeals Department
P.O. Box 277
Waterloo, ON N2J 4A4
appeals@allianz-assistance.ca
2.
Contact
the
Ombudsman
If your complaint remains unresolved after following the appeals process above, you may request
additional consideration from the Ombudsman Office.
6 WE-SUMM-EN_04/24
The
Co-operators
Group
Limited
Ombudsperson
130 Macdonell Street
Guelph ON, N1H 6P8
Phone: 1-877-720-6733
Email:
Ombuds@cooperators.ca
3.
External
Recourse
If after submitting an appeal and contacting the insurer's ombudsman you are still unable to resolve
your concerns you may contact the General Insurance OmbudService (GIO).
General
Insurance
OmbudService
(GIO)
Phone:
1-877-225-0446
Website:
www.giocanada.org
QUEBEC
RESIDENTS
You may request in writing that a copy of your file be sent to Autorité des marchés financiers
(AMF) within 3 years of your claim being denied.
Autorité
des
marchés
financiers
(AMF)
Phone:
1-877-525-0337
Email:
renseignement-consommateur@lautorite.qc.ca
4.
The
Financial
Consumer
Agency
of
Canada
(FCAC)
The Financial Consumer Agency of Canada provides consumers with information about Financial
Products and your rights and responsibilities. They ensure compliance with federal consumer
protection laws that apply to banks and insurance companies.
Website:
https://www.canada.ca/en/financial-consumer-agency.html
7 WE-SUMM-EN_04/24
INSURER
ADMINISTRATOR
DISTRIBUTOR
CUMIS
General
Insurance
Allianz
Global
Assistance
Rogers Bank
Company
700
Jamieson
Parkway
1 Mt. Pleasant Road, 5th Floor
151 North Service Road
Cambridge, ON N3C 4N6
Toronto, ON M4Y 2Y5
Burlington, ON L7R 4C2
1-800-670-4426
1-855-775-2265
1-800-263-9120
Registered with the Autorité
des
marchés
financiers
under
client number 2000383675.
QUEBEC
RESIDENTS
The Autorité des marchés financiers can provide information about your rights and the duties of the
insurer, administrator and distributor.
Autorité des marchés financiers
Place de la Cité, Tour Cominar
2640, boulevard Laurier, 4e étage
Québec, QC G1V 5C1
1-877-525-0337
lautorite.qc.ca
This Product Summary will provide an overview of the insurance benefits included with your Rogers
Red World Elite Mastercard. It will help you determine if this insurance meets your needs. This
document highlights some of the key benefits, exclusions, limitations and restrictions that apply to this
coverage. Refer to the certificate of insurance for the complete terms and conditions. If you have
questions about this coverage, contact Allianz Global Assistance.
The certificate of insurance can be found at:
https://www.cumis.com/en/information/Pages/quebec-guides-and-summaries.aspx
Coverage
is
effective
during
the
Coverage
Period
described
in
the
certificate
of
insurance.
COVERAGE
LIMITS
Rental
Car
Collision/Damage
Insurance
Rental
Period:
31
consecutive
days
Manufacturer's
Suggested
Retail
Price:
$65,000
Purchase Protection and Extended Warranty
Insurance
Purchase Protection:
90 days from purchase
Extended Warranty:
doubles original up to a 1
year
extension
ROGERS RED WORLD ELITE MASTERCARD PRODUCT SUMMARY for Rental Car
Collision/Damage Insurance, Purchase Protection and Extended Warranty Insurance
8 WE-SUMM-EN_04/24
Do
You
Qualify
For
This
Insurance?
(Eligibility)
To
be
eligible:
•
the rental car agreement
must be non-renewable
and
for
a maximum of 31 days,
•
you
must
be
a
Canadian
resident
listed
on
a
Rogers Red World Elite Mastercard
account,
•
you must rent the rental car,
•
the rental car must be rented from a
commercial agency,
•
the incident
must
be in the
coverage period,
•
the full cost
of the
rental
must
be
charged
to your
credit
card,
•
only
one
vehicle can
be rented during a
rental period,
•
you
must
decline
Collision
Damage
Waiver
benefits
from
the
rental
agency,
and
•
the rental car must be operated by a person on the rental agreement.
Coverage Details
BENEFITS
EXCLUSIONS
When the rental period does not exceed 31
consecutive days, Car Rental - Collision/Loss
Damage Insurance provides coverage for the
rental car up to a maximum Manufacturer's
suggested retail price of $65,000 for:
•
damages.
•
theft, including
parts and accessories.
•
loss-of-use charges.
•
towing.
You will not be paid for expenses or damage that
arise from the following:
•
insurance costs from the agency.
•
rental cars to transport property or
passengers.
•
Specific excluded vehicles such as trucks,
trailers, off-road vehicles, motorcycles, or
antiques.
•
Wear
and
tear
and
gradual
deterioration.
•
Violation
of
the
rental
car
agreement.
•
Off-road
operation
or
speed
contests.
•
Intoxication.
•
Travel to a location for which the Canadian
government issued a travel advisory.
Refer
to
the
Car
Rental
Collision/Loss
section
of
the
certificate
of
insurance.
Purchase Protection Coverage
Do
You
Qualify
For
This
Insurance?
(Eligibility)
To be eligible, you must
•
be
a
Canadian
resident
listed
on
a
Rogers Red World Elite Mastercard
account,
and
WARNING
9 WE-SUMM-EN_04/24
•
charge the
full price of the item to the
account.
BENEFITS
EXCLUSIONS
•
Purchase Protection provides coverage
against theft or damage to covered items for
90 days from the purchase date.
•
You will receive payment for the purchase
price, repair or replacement.
•
There is a lifetime maximum for Purchase
Protection and Extended Warranty combined
of $60,000.
You will not be paid for expenses or damage that
arise from the following:
•
Specific items including money, animals,
plants, consumables, cell phones, and jewelry.
•
Used
and
refurbished
items.
•
Items
intended
for
commercial
use.
•
Motorized vehicles and their parts and
accessories
•
Misuse and wear and tear.
•
Theft from a vehicle or residence when there
are no signs of a forced entrance.
Refer
to
the
Purchase
Protection
section
in
the
certificate
of
insurance
Extended Warranty Coverage
Do
You
Qualify
For
This
Insurance?
(Eligibility)
To
be
eligible:
•
you
must
be
a
Canadian
resident
listed
on
a
Rogers Red World Elite Mastercard
account,
•
you must charge the
full price of the item to the account,
•
the
original
manufacturer's
warranty
must
be
valid
in
Canada,
and
•
if the original warranty exceeds five years, you must register the item with Allianz Global Assistance
within one year of purchase.
BENEFITS
EXCLUSIONS
•
Extended Warranty coverage extends the
original manufacturer's warranty to a
maximum extension of 1 year.
•
This coverage follows the terms and
conditions of the original manufacturer's
warranty.
•
You will receive payment for the lesser cost of
repair or replacement.
•
There is a lifetime maximum for Purchase
Protection and Extended Warranty combined
of $60,000.
You will not be paid for expenses or damages
that arise from the following:
•
The original manufacturer stops business for
any reason.
•
Used
and
refurbished
items.
•
Motorized vehicles and their parts and
accessories.
•
Items with a
lifetime warranty.
•
Misuse
and
wear
and
tear
•
Theft from a vehicle or residence when there
are no signs of a forced entrance.
Refer
to
the
Extended
Warranty
section
in
the
certificate
of
insurance
IMPORTANT
10 WE-SUMM-EN_04/24
Additional Insurance
- This insurance only pays amounts that are beyond amounts payable from your
government health insurance plan (if applicable), any other insurance plan or source.
Currency - All amounts in the certificate are in Canadian currency and reimbursements will be provided in
Canadian currency.
Waiver - no provision of this insurance shall be considered to be waived, either in whole or in part, unless
clearly stated in writing and signed by the insurer.
Legal Action
- Legal action against the insurer must begin within the timeline determined by the Insurance
Act or Limitations Act of your home province or territory of residence. For Quebec residents this is in the
Quebec Civil Code.
Third Party Liability
- If you incur expenses due to a third party, the insurer may take legal action against
the third party at the insurer's expense. You will support the insurer by co-operating with them and
supplying any documentation they may need. You agree to do nothing to interfere with the insurer's right
to recover funds.
Refer
to
the
General
Provisions
section
of
the
certificate
of
insurance
for
details.
Travel
Assistance
The
Operations
Center
has
the
following
services
available
to
you
24/7:
•
Pre-trip
assistance
such
as
passport
and
visa
information.
•
Medical emergency assistance
such as case monitoring and arranging emergency transportation
arrangements.
•
Non-medical
emergency
assistance
such
as
emergency
cash transfer
and
emergency
message
services.
Misrepresentation And Nondisclosure
If you make a claim knowing it to be untrue in any respect, you will not have coverage and your claims will
not be paid.
Extending
Your
Trip
If
you
decide
to
extend
your
trip
please
call
Allianz
Global
Assistance.
If you submit a claim and are not satisfied with the outcome, you have the right to file a complaint by
following the process below.
1.
Contact
Allianz
Global
Assistance
Appeals must be submitted in writing describing why the outcome of your claim is incorrect along
with any new supporting documentation.
Allianz
Global
Assistance
Appeals Department
P.O. Box 277
Waterloo, ON N2J 4A4
appeals@allianz-assistance.ca
HOW TO FILE A COMPLAINT
11 WE-SUMM-EN_04/24
2.
Contact
the
Ombudsman
If your complaint remains unresolved after following the appeals process above, you may request
additional consideration from the Ombudsman Office.
The
Co-operators
Group
Limited
Ombudsperson
130 Macdonell Street
Guelph ON, N1H 6P8
Phone: 1-877-720-6733
Email:
Ombuds@cooperators.ca
3.
External
Recourse
If after submitting an appeal and contacting the insurer's ombudsman you are still unable to resolve
your concerns you may contact the General Insurance OmbudService (GIO).
General
Insurance
OmbudService
(GIO)
Phone:
1-877-225-0446
Website:
www.giocanada.org
QUEBEC
RESIDENTS
You may request in writing that a copy of your file be sent to Autorité des marchés financiers (AMF)
within 3 years of your claim being denied.
Autorité
des
marchés
financiers
(AMF)
Phone:
1-877-525-0337
Email:
renseignement-consommateur@lautorite.qc.ca
4.
The
Financial
Consumer
Agency
of
Canada
(FCAC)
The Financial Consumer Agency of Canada provides consumers with information about Financial
Products and your rights and responsibilities. They ensure compliance with federal consumer
protection laws that apply to banks and insurance companies.
Website:
https://www.canada.ca/en/financial-consumer-agency.html