The ATB World Elite Mastercard and ATB Alberta Rewards Businesscard Mastercard include Trip Cancellation and Trip Interruption coverage.

Trip Cancellation insurance will reimburse the traveler for eligible expenses, which are not refundable or reimbursable, if the trip must be called off before departure due to medical or non-medical covered causes. 

Trip Interruption insurance will reimburse the traveler for the lesser of additional expenses for changes in ticketing or one way economy fare to point of departure and for eligible expenses, which are not refundable or reimbursable, if the trip must be cut short (after it has begun) due to medical or non-medical covered causes.

If you book your trip while a Government of Canada travel advisory is in effect and the travel advisory remains in effect when you’re supposed to travel, you won’t be covered under Trip Cancellation Insurance.

If a Government of Canada travel advisory isn’t in effect when you book your trip but is issued and in effect when you’re due to travel, you may be eligible for coverage under Trip Cancellation Insurance if you cancel your trip before your departure date. Situations can change quickly so it’s important to check the Government of Canada website and fully understand your insurance coverage before booking any travel.

Eligible expenses include but are not limited to:

1. Airline tickets or similar transportation – non-refundable portion
2. Hotel bookings or similar accommodations – non-refundable portion
3. Package tour (excluding insurance premiums) – non-refundable portion

For a complete list of “Eligible Expenses”, please refer to the “Definitions” section of your Certificate of Insurance (ATB World Elite Mastercard or ATB Alberta Rewards Businesscard Mastercard).

Cancellation or changes to an event at the destination isn’t a covered cause for cancellation. For a claim to be considered for Trip Cancellation Insurance, the trip must be cancelled because of a covered cause for cancellation. Details are in the Certificate of Insurance (ATB World Elite Mastercard or ATB Alberta Rewards Businesscard Mastercard) under "Medical Covered Causes for Cancellation" or "Non-Medical Covered Causes for Cancellation".

A travel/credit voucher is a form of reimbursement. Trip Cancellation Insurance will cover any eligible expenses, which aren’t refundable or reimbursable in any manner (for example the non-refundable portion of your hotel booking). Because offering and issuing a travel/credit voucher is a form of reimbursement, you’ll only be covered for eligible expenses not covered by the travel/credit voucher, if you choose to cancel your trip.

Before contacting the insurer, you must cancel/interrupt the trip directly with the travel supplier (airline, tour operator, travel agent, hotel, etc.) that the trip was booked with. Some travel suppliers will cancel the arrangements and refund some or all pre-paid expenses, while others may offer a credit of the pre-paid expenses for future travel. Cardholders are required to take advantage of all credits and refunds offered by the travel provider.

To make a claim, you must notify the insurer immediately after learning of a loss (or an occurrence which may lead to a loss) due to a covered cause for cancellation/interruption/delay. To do this:

• Call from Canada or the U.S.: 1-866-305-0888
• Call collect from elsewhere: 1-905-477-0702
• Visit www.cardbenefits.assurant.com

Contact the insurer at the numbers on your Certificate of Insurance or call:

• From Canada or the U.S.: 1-866-305-0888
• From elsewhere, call collect: 1-905-477-0702

Please contact the travel provider directly. Your travel provider will provide you with cancellation and change policies specific to your booking.

If you booked your travel through ATB My Rewards or ATB My Business Rewards, please call the ATB My Rewards Call Centre at:

• 1-844-949-1112 for World Elite Mastercard customers, or
• 1-800-949-0820 for Gold My Rewards Travel and My Business Rewards customers

You may be eligible for reimbursement if the Government of Canada has issued a travel advisory that applies to your travel destination and your booked period of travel.

Before making an insurance claim, reach out to the travel provider(s) that the trip was booked with. Certain airlines and cruise lines have relaxed their change and cancellation policies and may be waiving or reducing the charges for customers wary of contracting COVID-19 while travelling. Most hotels have cancellation policies that allow travellers to cancel bookings at no cost within a certain period of time prior to departure.

Cardholders are required to take advantage of credits and refunds offered by the travel provider.

If you receive a credit towards future travel from your travel supplier, you can only submit a claim when the credit has expired and hasn’t been used. Should your travel supplier charge a "change fee", this change fee may be eligible for reimbursement through your Trip Cancellation/ Interruption/Delay insurance benefits.

If you choose to travel while the travel advisory is in effect, you won’t be eligible for Trip Cancellation/Trip Interruption/Delay coverage. However, situations can change quickly so it’s important to check the Government of Canada website and fully understand your insurance coverage before you travel.

Travel Emergency Medical Insurance only covers unforeseen medical emergencies. If your destination has a high level/rate of COVID-19 infections, it may not be considered an unforeseen medical emergency and you may not be covered.

For a claim to be considered for Trip Cancellation/Interruption/Delay, the following conditions need to be satisfied:

• If the trip cancellation or trip interruption/delay is due to a travel advisory, the Government of Canada must have issued the travel advisory after you booked your trip and it must affect your trip destination and travel period.
• If the trip cancellation or trip interruption/delay is due to other causes, the cause must be described in the Certificate of Insurance (ATB World Elite Mastercard or ATB Alberta Rewards Businesscard Mastercard) under "Medical Covered Causes for Cancellation/Interruption" or "Non-Medical Covered Causes for Cancellation/Interruption".
• The full cost of eligible expenses of the trip must have been charged to your ATB Mastercard that includes the coverage.
• Your Mastercard account must be in good standing.
• All of the other terms, conditions, limitations, and exclusions contained in the Certificate of Insurance (ATB World Elite Mastercard or ATB Alberta Rewards Businesscard Mastercard) must be met.

Refusal of boarding a common carrier isn’t a covered cause for Trip Cancellation/Trip Interruption Insurance. Because of this, you won’t be eligible for benefits or for the cost of a flight home.

For the health and safety of our guests and staff, a number of lounges are temporarily closed to reduce the risk of COVID-19. We recommend checking Mastercard LoungeKey before visiting the airport.