Scotiabank Passport™ Visa Infinite* Card Welcome Kit Go farther

Scotiabank Passport

™



Card





your Passport.

Displayed card designs may not be available until 2023.

Actual cards will vary.

Welcome ...............................................................1

 .................................. 2-3

Scene+ Program ............................................4-7



 ................................ 8-10

Insurance ......................................................11-12

 ...................................... 13



Scene+ Program



 ....................................14



Welcome

Congratulations on accepting and consenting to

your Scotiabank Passport

™



Card.



Go to scotiabank.com/activatecreditcard or call

1-800-806-8600.





• View your account balance, transactions and

pending transactions in real time

 

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.





As a  Cardmember,



that make incredible experiences possible and easy

to have.



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).



With the Visa Airport Companion Program

(“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



Airport Companion. Enrollment is quick and

your membership begins immediately. Once

enrolled, simply show your membership within

the Visa Airport Companion App or Website



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

.







the things you do even better. Whether it’s travel,

dining, or entertainment, these perks were created

for you by Visa.



  

can help you plan the perfect trip, birthday,

or your next great idea. Available 24/7 at

1-888-853-4458.



  

complimentary Wi-Fi and breakfast, late

checkout and more at over 900 properties

around the world.

  

Get access to amazing dining events with top

chefs at the best restaurants and wineries

across the country.

  

Take advantage of specially curated offers





and more.

Visit  to learn more and subscribe





inclusions featured here are subject to change.

Save on Car Rentals

  

offers complimentary AVIS Preferred Plus

Membership

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

 or by calling Avis

at . Please quote AVIS

worldwide discount number C030506.



Scene+ Program







automatic membership to the Scene+

™*

program.

Scene+ is the rewards program that brings you better



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.





at 1-866-586-2805.









TIP: Use your Scene+ membership and pay with



points faster at partners like Cineplex

◊

, Scene+ Travel,

®*

, participating grocery

stores, and 700+ restaurants. Your points will never

expire as long as you have your Card.

• Earn an additional 10,000 bonus Scene+ points

when you spend $40,000 in purchases annually



(the “account”).

• 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!

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.

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





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



Card. Points can be redeemed fully or partially, for





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



of both

To book over the phone:

• Call 1-800-419-8586 (available 24/7, fees apply)

Scene+ Program







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



• 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.



Treat yourself or your loved ones with rewarding

experiences and exclusive offers by Scene+.

 - 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.

 - Redeem points at 700+ restaurant partners

including Swiss Chalet

‡

, Harvey’s

‡

, Montana’s

‡

and more.

 - Redeem points at Cineplex Theatres

◊

Cineplex Store

◊

, The Rec Room

◊

and Playdium

◊

 - Use the ‘Points for Credit’ option

to receive a statement credit on your Scotiabank









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



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



(also referred to as the ‘account”). Your Scotiabank



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



(“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



terms. You also acknowledge that the agreement



account and Scotiabank Privacy Agreement are in

addition to the Terms and Conditions governing your

Scene+ membership card.





and a Scene+ Account.



We will facilitate the automatic connection and/or

enrollment of your Scene+ Account to your



with the Scene+ Privacy Policy.







Your membership in the Scene+ Program is

governed by the Scene+ Program Terms and

Conditions, available at

www.sceneplus.ca/terms-and-conditions.



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



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.







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 , unless you have

a Scotiabank debit card or credit card account that

earns Scene+ points like the Scotiabank Passport



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.



Every Scene+ member who is a Scotiabank Passport



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.











ScenePlus.ca or call 1-866-586-2805.





Insurance



Go without worry. Your card has you covered.



with a suite of comprehensive insurance and service



that protect you, your loved ones and

your belongings.





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



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



or call .





Scotia Credit Card Protection

insurance can help



when it matters most. This optional insurance

coverage can pay off your outstanding account

balance or help cover your monthly credit card

payments as a result of certain unexpected events



Disability, Job Loss, Strike or Lockout, Critical Illness

or Loss of Life.

Visit  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.







The information you need is always close at hand.



For general information:

In Canada & U.S. 1-888-999-2718

All other areas (collect) 416-288-4676



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)



For emergency card replacements/cash:

In Canada & U.S. 1-800-VISA-911

All other areas (collect) 416-581-9994





In Canada & U.S. 1-800-263-0997

Outside Canada & U.S. (collect) 416-977-1552



In Canada & U.S. 1-800-263-0997

Outside Canada & U.S. (collect) 416-977-1552



In Canada & U.S. 1-888-853-4458

Outside Canada & U.S. (collect) 1-630-350-4543



In Canada 1-855-753-4272

TeleScotia

In Canada & U.S. 1-800-267-1234



Worldwide look for machines displaying the



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 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



and maintains Scotiabank’s privacy program.

  We have implemented measures

designed to protect the personal information

that has been entrusted to us.

  We collect, use, and disclose

personal information in a manner that is fair,

ethical and non-discriminatory.

  We use information to deliver value,

enhance the banking experience, and to manage

our business.

  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.

  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:



or a Scotiabank Branch.









® 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.

 

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.

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.

 

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



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

for more information. To view the full Terms and Conditions for the

Program, including DragonPass Terms of Use and Privacy Policy and Visa’s

Program App or Website.

 

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





remember to update your card details within the Visa Airport Companion

Program (either on the App or on the Program Website).

 





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





subject to complete terms and conditions, including third party suppliers’





(available at visa.ca/en_CA/legal/global-privacy-notice.html) applies to





collection, use and disclosure of Cardholders’ personal information by third



subject to such third parties’ own privacy policies.

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



Preferred Plus membership and services.

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



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









Accelerated Earn Rate (under the Merchant Category Code (“MCC”)

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



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



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.

 

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.

Scene+ Travel booking site is Powered by Expedia. Visit ScenePlus.ca for

full details.

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.

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





of Insurance and Terms and Conditions and keep them in a safe place with

your other valuable documents.

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



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,



IMPORTANT NOTICE - READ CAREFULLY BEFORE

YOU TRAVEL

Your credit card includes travel coverage – what’s next?

We want you to understand (and it is in your best



includes, what it excludes, and what is limited (payable

but with limits). Please take time to read through your





 

and unexpected situations (i.e.: accidents and



recurrent care.

 

eligibility requirements.

• This insurance contains limitations and exclusions

(e.g.: Medical Conditions that are not stable, pregnancy,



• This insurance may not cover claims related to



 



or denied.

 

may be reviewed.

IT IS YOUR RESPONSIBILITY TO UNDERSTAND

YOUR COVERAGE. IF YOU HAVE QUESTIONS,

CALL 1-800-263-0997.

Scotiabank

Passport

™



Card







 ...............................1

 ..................................................2-6



 ................................ 6-9



 ...........................9-13





 .....................13-16



 ................... 16-21

 ........................21-22



 ............................ 22-25



 ..............................25-30



 ......................... 30-31

TABLE OF CONTENTS



























, and is provided to eligible

Scotiabank Passport



Cardmembers. Purchase







No. BNS749







Policy No. BNS749









No. BNS749



















are subject in every respect to the Policy, which alone



provided. You or a person making a claim under this











Claim payment and administrative services are provided









services under this Policy.

















 means an accidental bodily injury





 means the Cardmember’s Scotiabank Passport



with the Policyholder.

means the Primary Cardmember and, any

supplemental Cardmember who is a natural person resident



is issued and whose name is embossed on the card. The



 means a car rental club that provides its



parked in a convenient location and does not include online



owned cars, or other similar online services.











to the Account.

 means suitcases or other containers





Person by a Common Carrier.

 means any land, water or air conveyance

which is licensed to carry passengers without discrimination













 means Your unmarried natural,











age or over who are permanently mentally or physically



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



whom the service is rendered.

 and $ means Canadian dollars.



travel arrangements which have been booked or reserved









Your Scene+

* points:

 

 

 

which has been sold as a unit and includes at least two



• transportation by Common Carrier

• meals

• car rental

  

other comparable entertainment event

• hotel or similar accommodation

  



a Trip was booked and makes it necessary to receive



 means treatment necessary



 mean the minimum essential clothing and











your Ticket.

GHIP



 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.

 means an institution which is licensed to provide,



and injured persons through medical, diagnostic and major







used principally as a clinic, a continued care or extended care





drug addiction or alcoholism.





be postponed.

 means an establishment that provides lodging







online marketplace service, or other similar online service.

 means an eligible Cardmember’s











points.

 means eligible persons as outlined under

each coverage.

 means an employee whose continued





Your Trip.

 means a person who participates





Loss means:

 

death.

b) With respect to sight, speech or hearing, Accidental



speech or hearing.

 



hand at or above the knuckle joints.

 



 means the amount charged by a car rental

agency to compensate it when a rental vehicle is unavailable



during the rental period.

 means an express written

warranty valid in Canada or the United States issued by







 means any illness, injury or symptom,

whether diagnosed or not.



accidental injury which occurs during a Trip and which

























Medical Treatment under the Policy.



Common Carrier.

 means all other applicable valid insurance,

indemnity, warranty, or protection available to You in respect







card coverage (whether group or individual), and any other

reimbursement plans.















prior to the date the Trip was booked, and in the case where the



date the Trip was booked.



Condition does not include a Medical Condition which is







Person’s departure, there has been no other treatment or

investigation recommended and there has been no change



dosage constitutes a change.



Account who is a natural person resident in Canada to whom



Policyholder.



including any applicable taxes, as shown on the store receipt.

 means charges which











 mean the additional charges







or paid with Your Scene+ points.

 means the person who is legally married to the

Cardmember or the person who has been living with the



publicly represented as the Cardmember’s Spouse.





with Scene+ points.

 or 









education, training, experience or skill.

 means a person booked to travel







three (3) persons.



Trip 



residence in Canada, as determined by the departure and

return dates.







1. PURCHASE SECURITY

 















cost, not exceeding the original Purchase Price charged





in section 3.

 







items, limited editions, original, signature pieces or























accepted by the Cardmember in new and undamaged





or Cardmember’s travelling companion.

 







 













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













 



 



 

and

(iii) the date the Cardmember ceases to be eligible



 

2. 

 











or paid with Scene+ 



Purchase Price charged to the Account, subject to the





 











1-800-263-0997 









 

 



 

 

 



















 







 

















coverage is provided strictly as excess coverage and does

not apply as contributing insurance. Any reimbursement



will be only to the extent a permitted claim exceeds











 



(i) 





(ii) 

and

(iii) the date the Cardmember ceases to be eligible





not covered.

3. LIMITS OF LIABILITY AND EXCLUSIONS FOR PURCHASE



a) 



 

or replaced, the administrator, at its sole option, may



 





individually and cannot be replaced individually. Where









 





















consequential damages, including bodily injury, property,





 

 







by calling 1-800-263-0997 

States or 416-977-1552 





.

 







caused, the Cardmember MUST give immediate notice

to the police or other authorities having jurisdiction.

The Cardmember may be required to send, at the





by the administrator.

 





delivered as soon as reasonably possible, but in all events



  

Purchase Security coverage, the Cardmember will be











required by the administrator to determine coverage



is not obtainable, You must provide the police

department address and telephone number, incident



  





to proceeding with any repairs and MUST include

















complete the necessary repairs.





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



rental contract.



1. ELIGIBILITY







a) You initiate the rental transaction with Your Scotiabank



booking or reserving the car rental with Your Scotiabank







b) You decline the rental agency’s collision damage waiver



and

c) You rent the car in Your name and either:

 



 





is charged to Your Account.



during the same period there is more than one vehicle rental

















or another vehicle.







deductible that may apply, provided all the procedures



and You have waived the rental agency’s deductible waiver.



be reimbursed under the Policy.



• 



package was charged to Your Account and all other

eligibility requirements are met.

• 





charges) was charged to Your Account and all other

eligibility requirements are met. Some Car Sharing













have been met.



• 



had to make previous vehicle rentals, and each such



in paragraphs a) through c).

• 









eligibility conditions set out in paragraphs a) through c).

2. BENEFITS









customary towing charges, and administration charges



vehicle is rented in Your name. This includes damage



are limited to one vehicle rental during any one period.



the world, except where prohibited by law or where the







coverage challenged.)

3. TYPES OF RENTAL VEHICLES COVERED





Minivans are covered provided they:

 



 

4. TYPES OF RENTAL VEHICLES NOT COVERED



covered:

a) 

b) 



c) 

d) 

e) 

 

g) 

h) 



i) 





j) 







k) 





l) 

and

m) expensive or exotic vehicles.

5. LIMITATIONS AND EXCLUSIONS



 





 

c) third party liability (injury to anyone or anything inside or



d) expenses assumed, paid or payable by the rental agency



 

 



 



(iii) alcohol intoxication where the driver’s blood alcohol

concentration is equal to or over the blood alcohol









 

 



 



(vii) wear and tear, gradual deterioration, or mechanical



(viii) road damage to tires unless in conjunction with an



 

(x) war, hostile or warlike action, insurrection, rebellion,

revolution, civil war, usurped power, or action taken

by government or public authority in hindering,



 





 



(xiv) nuclear reaction, radiation or radioactive

contamination.



6. HELPFUL HINTS



rental agency to ensure that You and all other drivers have





or damage to the covered rental vehicle.

a) Some rental agencies may resist Your declining their



















any payment You may have to make to obtain the rental



 

windshield chips and point out any damage to the agency





another vehicle.

7. END OF COVERAGE



 



 

 

coverage.





 



phone the administrator by calling 1-800-263-0997 

Canada and the United States or 416-977-1552 locally





.

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.







on which the loss occurred.

















1. LOST LUGGAGE

 





















 













items, limited editions, original, signature pieces or









coupons, travel vouchers) settlement is made by the

Common Carrier.

2. DELAYED LUGGAGE

 











Scene+ 











 























nature whatsoever.

 

 













with Scene+ 





 





4. END OF COVERAGE





 

 

coverage.





 

 





loss, by calling 1-800-263-0997 

United States or 416-977-1552



.

 







the Cardmember MUST give immediate notice to the

police or other authorities having jurisdiction.

 





delivered as soon as reasonably possible, but in all events



 













 

 





 

administrator to determine coverage eligibility.

 

















 

 



 

and

 

administrator to determine coverage eligibility.

 



















required by the administrator to determine coverage



obtainable, You must provide the police department





 







the Account.











1. ELIGIBILITY







2. TRIP CANCELLATION BENEFITS

















same Trip and will be limited to the cancellation penalties





travel arrangements with Your travel supplier as soon as



immediately advise the administrator as soon as a covered



























booked.





:

 









 









substantiate in writing that prior to the scheduled Trip



or Travelling Companion to cancel the Trip or that the





 













 









 







 



the Trip was booked.

:

 







 











 









 







 



 

road closure (either must be substantiated by a police







eruption.

 









 



 

 







the administrator by calling 1-800-263-0997 

and the United States or 416-977-1552 locally or collect





3. TRIP INTERRUPTION BENEFITS



continuing the Trip or is unable to return on the original





below, You will be reimbursed:

 





 











Persons on the same Trip. You must immediately advise the



arises.





:

 





 















 













 







 

or a Travelling Companion’s host at destination which

occurred during the Trip.



 



government during the Trip, advising Canadians not to





 







 



 

road closure (either must be substantiated by







eruption.

 









 



 

 







the administrator by calling 1-800-263-0997 

and the United States or 416-977-1552

other countries. They will assist You in making the necessary

arrangements to return.

4. LIMITATIONS AND EXCLUSIONS





 



 



 

 



 

 



g) illness or accidental injury sustained while under





 

 



 

 

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





Scene+ points.

5. END OF COVERAGE





 

 

coverage.





 



may lead to a loss covered under Trip Cancellation or Trip



by calling 1-800-263-0997 

United States or 416-977-1552



visit .



documentation to substantiate Your claim, including the





a) original Ticket(s) (including any unused coupons), original



 





 

 





 



 



 

administrator to determine coverage eligibility.





cancellation or interruption occurs, but in no event later











 







1. ELIGIBILITY



 





 

personnel, quarantine, civil commotion, hijack, natural

disaster, inclement weather, mechanical breakdown or



c) no alternative transportation is made available within





2. BENEFITS

















3. LIMITATIONS AND EXCLUSIONS



 

b) war, whether declared or undeclared, civil war,



 



4. END OF COVERAGE



 

 

coverage.





5. OTHER INSURANCE



insurance, indemnity, reimbursement or protection











been claimed under and exhausted and subject to the terms,









 





contact the administrator by calling 1-800-263-0997 

Canada and the United States or 416-977-1552 locally or collect



online, please visit .



documentation to substantiate Your claim, including the



 



 



 







 

administrator to determine coverage eligibility.























1. ELIGIBILITY







Scene+ points.

2. COVERAGE







Common Carrier to:

 

trip shown on the Ticket.

b) Make the trip as shown on the Ticket.

 

trip shown on the Ticket to the next destination.





evidenced by the Ticket.

3. BENEFITS







Cardmember or

Spouse



Children



†

 

Total and Permanent



††

 

  





one eye

 

  

  

Speech and hearing  

  

  

Speech  

  

†



















††























4. EXPOSURE AND DISAPPEARANCE







Cardmember.





any vehicle in which the Cardmember was insured hereunder

as an occupant, then it shall be presumed, subject to all other





5. LIMITATIONS AND EXCLUSIONS





 

 

 

 

 







 



g) accident occurring while a passenger on, or operating or





insurance.

6. END OF COVERAGE

Coverage under Common Carrier Travel Accident insurance



 

 

coverage.





 



1-800-263-0997 

416-977-1552





























written statement, must be given to the administrator as

















Children. 





or older.

1. ELIGIBILITY





2. COVERAGE PERIOD









by the originally scheduled departure and return dates.











 



 

 







 

















by the originally scheduled departure and return dates.













 



 

 







 









3. AUTOMATIC EXTENSION OF COVERAGE























 



 

Person’s personal vehicle.

4. OPTIONAL EXTENSION OF COVERAGE PROCEDURES















1-877-222-7342 











Your Trip departure date.

5. BENEFITS













terms, limitations, and exclusions set out herein.

















by the administrator.















transportation.

 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 blow to the mouth.

 including slings, braces, splints, and local









stretcher and attending medical personnel to return the





approved and arranged by the administrator.



























to the nearest appropriate rental location, when the





























6. MEDICAL EMERGENCY PROCEDURES







1-800-263-0997

416-977-1552





call is not possible, call direct and You will be reimbursed.























7. LIMITATIONS







• 



prior approval by the administrator, except in extreme





• 







• 













• 





8. EXCLUSIONS





 

 





 





 



 



 

 

 



i) illness or accidental injury sustained while under





 



 

 

 

dangerous sports or events including recreational scuba





 



treatment













administrator.



treatment: 



they should be submitted to the administrator with original



or reduced where the administrator has not been contacted





Submitting Your Claim: 

administrator at 1-800-263-0997 

United States or 416-977-1552 

countries.



documentation to substantiate the claim, including the



 



 

 

 





 

 



 





 



 





documentation may not be paid.

 

Unless otherwise expressly provided herein or in the Policy,





1. SUBROGATION



















2. TERMINATION OF INSURANCE





 

b) the date the Policy terminates.







3. DUE DILIGENCE



reasonable to avoid or diminish any loss under the Policy.

4. NOTICE AND PROOF OF CLAIM





the administrator by calling 1-800-263-0997 

and the United States or 416-977-1552

























year, Your claim will not be paid.

5. PAYMENT OF CLAIM





6. LEGAL ACTION





barred unless commenced within the time set out in the

or other applicable legislation

in Your province or territory.

7. FALSE CLAIM







the Policy.

8. IF YOU HAVE A CONCERN OR COMPLAINT











You may pursue the concern or complaint in writing to an





and the external recourse by calling the administrator at the

number listed above or at:



complaint.html.

9. PRIVACY



,



















employees, mandatories, administrators or agents who are







may be in jurisdictions outside Canada, and subject to













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