Scotiabank
®*
Gold American
Express
®
Card
Welcome Kit
Memorable
moments await.
*
*
Welcome ...............................................................1
...................................... 2
®
............................................. 3
Scene+ Program ............................................4-7
................................8-10
Insurance ......................................................11-12
...................................... 13
Scene+ Program
....................................14
1
Welcome
Congratulations on accepting and consenting to your
Scotiabank
®*
Gold American Express
®
Card.
You’re now on your way to earning reward points,
paying no foreign transaction fees, receiving
comprehensive insurance coverage and accessing
American Express
®
Go to scotiabank.com/activatecreditcard or call
1-800-806-8600.
• View your account balance, transactions and
pending transactions in real time
activity in your account
• Sign up for eStatements and get secure,
instant online access to your monthly account
statements
• Add supplementary Cardmembers to your
Credit Card account
1
• Set up pre-authorized transactions for
re-occurring payments
• View your Scene+ points balance
Download the Scotiabank mobile app, available on
the App Store and Google Play.
2
As a
and rewards 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.
2
Only the exchange
rate applies.
or catch up on business. Enjoy a preferred
discount on the Priority Pass™ membership
and access over 1,200 VIP lounges around
the world. To enroll in Priority Pass, visit
prioritypass.com/scotiabankgold.
3
Use Discount code:
From luxury travel to VIP dining and
everything in between, discover personalized
experiences provided by a global team of
experts at Ten.
4
You’ll receive
or you can
to book experiences that are uniquely yours.
Save up to 25% off base rates at participating
AVIS and Budget locations in Canada and
the U.S. when you pay with your Scotiabank
Gold American Express Card.
5
AVIS reservations may be made online at
or by calling
. Please quote
AVIS worldwide discount number C231401.
Budget Reservations may be made online at
or by
calling . Please quote Budget
Corporate Discount number A363307.
3
†
Make every day more rewarding with Amex Offers.
6
With offers for shopping, dining, travel, and more,
there’s something for everyone. Adding offers to
your Card is quick, easy, and best of all, incredibly
rewarding. Visit
to get started.
Experiences like breezing through the front gate at
Budweiser Stage* and sitting back and relaxing in
the American Express Lounge.
7
Make your night out at
a Mirvish Production with express concession service
at the American Express Priority Line in the Royal
Alexandra Theatre and exclusive Priority Bars in the
Princess of Wales and Ed Mirvish Theatres.
8
• Front Of The Line® Presale Tickets to some of the
most in-demand concerts, theatre productions,
restaurants and special events, often before
the general public.
9
• Front Of The Line Reserved Tickets* gets you
access to a block of great seats reserved for
Cardmembers even after shows are on sale to
the public.
• Special Offers & Experiences for all Cardmembers -
enjoy a variety of special Entertainment offers
and events created for Cardmembers.
9
To check out the latest entertainment offers,
visit .
4
Scene+ Program
Your Scotiabank Gold American Express Card also
gives you automatic membership to the Scene+
™*
program. Scene+ is the rewards program that brings
earn and redeem points.
Enjoy a world of entertainment and travel rewards,
gift cards, the latest in tech merchandise, statement
credits and much more. You earn Scene+ points when
you use your Card to make everyday purchases.
10
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
American Express Cardmembers” section of the
Scene+ program Terms and Conditions.
5
10
Earn 5X for every $1 CAD
spent in Canada at eligible
restaurants, fast food and
drinking establishments and
other grocery stores. Includes
popular food delivery and
food subscriptions.
5X points
eat in & eat out
Earn 5X for every $1 CAD
spent in Canada on eligible
entertainment purchases.
Includes movies, theatre
and ticketing agencies.
5X points
watch & cheer
Earn 3X for every $1 CAD
spent in Canada on eligible
select streaming services.
3X points
listen & stream
Earn 3X for every $1 CAD
spent in Canada on eligible
gas and daily transit options.
3X points
travel & commute
TIP: Use your Scene+ membership and pay with your
Scotiabank Gold American Express Card to earn points
faster at these partners like Cineplex
◊
, Scene+ Travel,
Powered by Expedia, Scene+ Rakuten
®**
, participating
grocery stores and 700+ restaurants to earn points
faster. Your points will never expire as long as you
have your Card.
11
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
Scene+ Program
Earn 6X for every $1 CAD spent on all eligible purchases in Canada
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.
6X points
6
12
With Scene+ Travel, Powered by Expedia, you earn
3 Scene+ points per Canadian dollar spent on hotel
and car rental bookings when you pay with your
Scene+ points or Scotiabank Gold American Express
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,
Powered by Expedia
• Book your travel with points, your Scotiabank
Gold American Express Card, or a combination
of both
To book over the phone:
• Call 1-800-419-8586 (available 24/7, fees apply)
13
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 Gold
American Express Card
• Wait for your travel purchase to be posted to
your Card
• Log into ScenePlus.ca, and redeem your Scene+
points towards the travel purchase
To learn more on how to apply Scene+ points to
travel, visit ScenePlus.ca or call 1-866-586-2805.
Scene+ Program
7
Treat yourself or your loved ones with rewarding
experiences and 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 over 700+ restaurant
partners including Swiss Chalet
‡
, Harvey’s
‡
,
Montana’s
‡
and more.
- Redeem points at Cineplex
Theatres
◊
, Cineplex Store
◊
, The Rec Room
◊
and Playdium
◊
.
14
- Use the ‘Points for Credit’ option
to receive a statement credit on your Scotiabank Gold
American Express Card.
For more information about all the ways you can
redeem your points or about the Scene+ Program,
visit ScenePlus.ca or call 1-866-586-2805.
Scene+ Program
8
Scene+ is a loyalty rewards program operated by
Scene Limited Partnership (“Scene LP”), a limited
partnership owned by Scotia Loyalty Ltd., a subsidiary
of The Bank of Nova Scotia and Galaxy Entertainment
Inc., a subsidiary of Cineplex Entertainment LP. The
Scene+ loyalty rewards program is referred to herein
as “Scene+”, the “Scene+ Program” or the “Program”.
Scene LP is solely responsible for conducting and
administering the Program.
The Scene+ Program Terms and Conditions are in
addition to the other agreements that apply to your
Scotiabank Gold American Express Card account
(also referred to as the ‘account”). Your Scotiabank
Gold American Express Card is also governed by the
Revolving Credit Agreement and your disclosure
statement (the “agreement”) in addition to the
Scotiabank Privacy Agreement. You agree to be bound
by the agreement, a copy of which has been provided
to you with this document. Also see below in this
document for more information about your
Scotiabank Privacy Agreement.
By enrolling in the Scene+ Program (including auto-
matic enrollment due to obtaining a Scotiabank Gold
American Express Card) or collecting points (“Points”
as further described below), you agree that you have
read and understand the Scene+ Program Terms
and Conditions and Scene+ Privacy Policy, as well as
the agreement that applies to your Scotiabank Gold
American Express Card, and are bound by all these
terms. You also acknowledge that the agreement
governing your Scotiabank Gold American Express
Card account and Scotiabank Privacy Agreement are
in addition to the Terms and Conditions governing
your Scene+ membership Card.
You require a Scotiabank Gold American Express Card
and a Scene+ Account.
We will facilitate the automatic connection and/or
enrollment of your Scene+ Account to your
Scotiabank Gold American Express Card in
accordance with the Scene+ Privacy Policy.
9
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 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.
10
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 Gold
American Express account (the “account”) and is in
good standing.
If your Scene+ Account is closed, you will forfeit
all Scene+ points in your Scene+ Account. Unless
prohibited by law, earning Scene+ points through
your account with Scotiabank will not be considered
earning Scene+ points on your Scene+ Account unless
the account has been linked to your Scene+ Account.
Written notice from Scene LP, as required by
applicable law, will be provided prior to your Scene+
Account being closed.
Every Scene+ member who is a Scotiabank Gold
American Express Cardmembers will receive Scene+
points for purchases made on their Scotiabank credit
Card or debit card account (the “account”) that is
associated with the Scene+ Program provided their
card(s) for that account are linked to their Scene+
membership by Scotiabank. 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 Cardmembers will
accrue points for the account of the primary
Cardmember only.
11
Insurance Included
Go without worry. Your Card has you covered.
Your Scotiabank Gold American Express Card
comes packed with a comprehensive suite of
insurances
15
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 $1,000,000 per insured person per trip
Trip Cancellation
Up to $1,500 per insured person / $10,000
per trip
Trip Interruption
Up to $1,500 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
Mobile Device
Insurance
Up to $1,000
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 .
12
Scotia Credit Card Protection
16
insurance can help
when it matters most. This optional insurance
17
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.
13
Contact Us
Locally and wherever your travels take you, it’s
important that you have access to your account
and your account information – in a variety of ways:
Visit or call (24/7)
• 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)
• Concierge Service available 24/7,
log into Ten’s online portal
(tenconcierge.amexgold.scotiabank.com) or
call their toll-free number 1-866-800-5160
Call 1-800-263-0997
Visit scotiabank.com
Call 1-800-267-1234
Worldwide look for machines displaying the
14
Since 1832, Scotiabank’s business and reputation
have been built on trusted relationships with our
customers, employees, and other stakeholders. The
protection of information in our custody is a critical
component of these trusted relationships. As part of
our ongoing commitment to fostering and
maintaining trust, Scotiabank has established a robust
privacy program that is designed to protect the
personal information entrusted to us.
We 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.
15
American Express Invites program. All offers are
the respective merchant. American Express and its
any offer or experience made available under this
changes or cancellation of any offer.
®* Registered trademarks of The Bank of Nova Scotia.
® American Express is a registered trademark of American Express. This
credit card program is issued and administered by The Bank of Nova Scotia
under license from American Express.
TM
Priority Pass, trademark of Priority Pass Limited.
®
†
Used by Amex Bank of Canada under license of American Express.
** The Bank of Nova Scotia is an authorized user of the mark.
TM
* Scene+ and the Icon Design are trademarks of Scene Plus IP Corporation,
used under license.
◊
Cineplex, Playdium, The Rec Room, Cineplex Store, trademarks of
Cineplex Entertainment LP, used under license.
‡
Swiss Chalet, Harvey’s, Montana’s, trademarks of Recipe Unlimited
Corporation, used under license.
Apple is a trademark of Apple Inc., registered in the U.S. and other
countries and regions.
BEST BUY
™**
under license.
Rakuten
®**
, trademark of Ebates Inc, used under license.
All other marks are owned by their respective owners.
* Access to the American Express Entrance is available to individuals upon
the presentation of a valid American Express Card.
1
You are liable for all charges incurred on your Scotiabank credit card
account (the “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.
2
We will not charge you Foreign Transaction Fees on foreign currency trans-
actions, including purchases. Only the exchange rate applies. The term
“Foreign Transaction Fees” is a substitute for “Foreign Currency Conversion”
as described in the Disclosure Statement you received with your Card. This
fee relates to the 2.5% mark-up that is typically charged by credit card
issuers in addition to the exchange rate. See the Foreign Currency
Conversion section of the Disclosure Statement for this Card for full details.
Rates and fees are subject to change.
3
Priority Pass™ membership includes access to airport lounges participating
in the Priority Pass program. Certain terms, conditions and exclusions
any time. Visit prioritypass.com/scotiabankgold for full details. Priority
16
Pass membership and services are provided by a third party and offered
through American Express. The Bank of Nova Scotia and American Express,
-
bership or services.
4
Concierge Services are provided by a duly licensed third-party premium
concierge provider (currently Ten Lifestyle Management Limited (“Ten” or
“Ten Group”)) and are subject to Terms & Conditions and Privacy Statement
of that provider. Provider is subject to change by The Bank of Nova Scotia
(“Scotiabank”). Scotiabank is not responsible for the Concierge Services,
including the delivery of, or for any failure to deliver, any such services.
By using the Concierge Services you must consent and agree to Ten Group’s
Terms & Conditions and Privacy Statement that apply. Effective as of
Scotiabank credit cards are subject to change.
5
The savings of up to 25% applies to Avis and Budget base rates and is
applicable only to the time and mileage charges of the rental. All taxes, fees
(including but not limited Air Conditioning Excise Recovery Fee, Concession
Recovery Fee, Vehicle License Recovery Fee, Energy Recovery Fee, Tire
Management Fee, and Frequent Traveler Fee) and surcharges (including but
not limited to Customer Facility Charge and Environmental Fee Recovery
Charge) are extra. The Bank of Nova Scotia is not responsible for, and
provides no representations, warranties or conditions regarding this offer
or any Avis or Budget products or services, including Avis Preferred Plus
membership and services and those obtained under this offer, which are
governed solely by Avis’ terms and conditions. Avis Preferred Plus
membership and services are provided by Avis.
6
Select offers are brought to you by American Express. The Bank of Nova
Scotia is not responsible for the offers, or any third party services provided
under the Amex Offers program. American Express reserves the right to
vary any eligibility criteria or the Terms prior to you registering for the offer.
If you do not agree with the Terms, you must not participate in the offer.
7
Access to the American Express® Lounge is available to individuals upon
the presentation of a valid American Express Card. Subject to lounge
capacity and public health and safety requirements.
8
Priority Line and Priority Bars – American Express Cardmembers may
access the Priority Line and/or Bar during an event operating day and
must pay with a valid, unexpired American Express Card. The Priority
Line and/or Bar is serviced by Ed Mirvish Enterprises Limited staff and
located at select bar areas within the Ed Mirvish, Princess of Wales and
Royal Alexandra Theatres. Cardmembers and guests placing an order are
required to comply with the theatre’s drink order limits. All theatre rules
apply. Priority Line and/or Bar access is subject to change or cancellation
at any time. You must be of local legal drinking age and must carry a valid
drink responsibly.
9
Purchase must be charged in full to an American Express Card. Subject to
procedures and fees. Tickets and packages may not be transferable and
should not be resold. Refunds and exchanges subject to merchant’s
obligations under applicable law. Ticket holder assumes full liability for any
risks and Amex is not liable. Events are subject to compliance with public
health & safety requirements related to COVID-19 and may be cancelled.
For the latest terms of use, purchase policies, safety protocols and changes
to events, please check the ticket provider and venue Terms of Use and
FAQs before purchasing and prior to attending any event. Visit
for the list of ticket providers and venues and links to their websites.
17
10
You are awarded six (6) Scene+ Points for every eligible $1.00 CAD purchase
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 charged and posted to the
Scotiabank Gold American Express Account. This list of eligible grocers may
be changed from time to time without notice. See full list of participating
merchants across Canada at scotiabank.com/participatingstores.
purchase on all other purchases made at grocery store locations (excluding
those listed above), dining, and entertainment charged and posted to the
Scotiabank Gold American Express Account.
You are awarded three (3) Scene+ Points for every eligible $1.00 CAD
purchase in gas, public transit and select streaming services purchases
charged and posted to the Scotiabank Gold American Express Account
(the earn rates for each of the above categories and merchants are referred
to as the “Accelerated Earn Rates”).
You are awarded one (1) Scene+ Point for every $1.00 in all other purchases
of goods and services charged to the Scotiabank Gold American Express
Account (the “Regular Earn Rate”).
You will earn the accelerated Scene+ Points (6X, 5X or 3X as applicable)
under the Scene+ program if you make purchases in Canadian currency
only. For purchases that are made in foreign currency, you will only earn
1 Scene+ Point for every $1 charged to the Scotiabank American Express®
credit card once that foreign currency has been converted into Canadian
dollars.
Express network in the “grocery”, “dining”, “entertainment”, “gas”, “streaming
service” or “transit” category. Purchases at merchants where these catego-
ries are not their primary business do not qualify. Some merchants may (i)
provide other goods or services; or (ii) have separate merchants located on
-
ed Earn Rate categories and such purchases will not earn the Accelerated
Earn Rate as applicable.
The Accelerated Earn Rates for the Scotiabank Gold American Express
Gold American Express Account annually at merchants qualifying for the
Accelerated Earn Rate, calculated annually from January 1
st
to December
31
st
each year. Once you exceed the applicable annual spend threshold,
you will continue earning points at the Regular Earn Rate of one (1) Scene+
Point per $1.00 in purchases charged and posted to the Scotiabank Gold
American Express Account. Eligibility: Only purchases earn Scene+ Points.
Cash advances (including Balance Transfers and Cash-Like Transactions),
fees, interest or other charges, returns, refunds or other similar credits
to your Account do not qualify for Scene+ Points. Scene+ Points will not
be posted to an Account that is not in good standing when purchases are
made or when a statement is issued, or if the Account is not open when a
statement is issued. See your Scene+ Points terms at www.scotiabank.com/
sceneplus for full program details.
11
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
50422975 (09/23)
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.
12
Scene+ Travel website and call centre is powered by Expedia. Visit
sceneplus.ca for full details. The Bank of Nova Scotia is not responsible for
Scene+ Travel including the booking site or call centre services, or any third
party services provided in connection with Scene+ Travel.
13
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.
14
Holders of a Scotiabank American Express Card account (“Account”) can
redeem Scene+ Points for a credit to their Account (“Points for Credit”).
Your Account must be open at the time the credit is applied to receive
any Points for Credit. The credit will be applied towards the balance of
the Account, not towards a particular transaction. Please note that even
if you redeem for Points for Credit you are still responsible for making the
monthly minimum payment on your Account by your payment due date.
See the applicable “Points for Credit” section of the “Additional Terms and
Conditions for Scotiabank American Express Cardmembers” for details.
15
Common Carrier Travel Accident Insurance and Travel Emergency Medical
Insurance are underwritten by The Manufacturers Life Insurance Company
(Manulife). All other coverages are underwritten by Manulife and its
subsidiary First North American Insurance Company (FNAIC). The Bank of
Nova Scotia is not an insurer. All claims for insurance indemnities must
your other valuable documents.
16
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
17
A waiting period and pre-existing conditions apply to certain coverages.
Critical Illness, Disability, Job Loss and Strike or Lockout coverages end at
age 70; however, Life Insurance coverage remains in place until the Primary
Borrower reaches age 80. Full details of the coverage, including when
coverage begins and ends, how to make a claim, terms and conditions, and
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
®*
Gold American Express
®
Card
I ....................................................1
..................................................2-6
...............................6-10
......................10-13
Rental Car Collision/
......................... 14-17
.................... 17-20
Trip Cancellation and
.................. 20-25
....................... 25-26
Common Carrier Travel
............................26-29
..............................29-34
General Provisions and
.........................34-35
TABLE OF CONTENTS
under Group Policy No. BNS749
BNS749 is underwritten by
under Group Policy No. BNS749
October 1, 2022.
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
Accidental Damage means damage caused by an unexpected
and unintentional external event, such as drops, cracks, and
means the Cardmember’s Scotiabank Gold
Standing with the Policyholder.
Cardmember means the Primary Cardmember and, any
supplemental Cardmember who is a natural person resident
card is issued and whose name is embossed on the card.
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.
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.
Dollars and $ means Canadian dollars.
3
Eligible Expenses
travel arrangements which have been booked or reserved
Your Scene+
TM
* points:
which has been sold as a unit and includes at least two
• transportation by Common Carrier
• meals
• car rental
comparable entertainment event
• hotel or similar accommodation
means treatment necessary
Essential Items mean the minimum essential clothing
Final Destination
your Ticket.
GHIP
Good Standing means, with respect to an Account, that the
Primary Cardmember has not advised the Policyholder to
close it or the Policyholder has not suspended or revoked
credit privileges or otherwise closed the Account.
Hospital means an institution which is licensed to provide,
and injured persons through medical, diagnostic and major
used principally as a clinic, a continued care or extended care
drug addiction or alcoholism.
Hospitalization
cannot be postponed.
Hotel/Motel means an establishment located in Canada
public, and usually meals, entertainment, and various
online marketplace service, or other similar online service.
means a spouse, parents, stepparents,
children, stepchildren, brothers, sisters, stepbrothers and
stepsisters whose permanent residence and address is the
same as the Cardmember.
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
Medical Condition means any illness, injury or symptom,
whether diagnosed or not.
accidental injury which occurs during a Trip and which
Mobile Device means a new cellular phone, smartphone
capabilities, and which has not been purchased by a business
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.
Plan
service Provider.
Pre-Existing Condition
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.
Provider means a Canadian wireless service provider.
premiums, customs duty, delivery and transportation costs
means charges which
mean the additional charges
to departure, and which have been charged to Your Account
means the person who is legally married to the
Cardmember or the person who has been living with the
is publicly represented as the Cardmember’s Spouse.
Ticket
with Scene+ points.
or
Disabled
education, training, experience or skill.
Trade-In Credit(s)
old mobile device.
Travelling Companion 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.
administrator.
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
coverage.
2. EXTENDED WARRANTY
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
3. LIMITS OF LIABILITY AND EXCLUSIONS FOR PURCHASE
SECURITY AND EXTENDED WARRANTY
a)
or replaced, the administrator, at its sole option, may
individually and cannot be replaced individually. Where
consequential damages, including bodily injury, property,
4. HOW TO CLAIM
by calling 1-800-263-0997
States or 416-977-1552
a claim online, please visit .
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.
C. MOBILE DEVICE INSURANCE
Cardmember.
1. ELIGIBILITY
and You:
2. COVERAGE PERIOD
and
to Your Account.
coverage.
3. BENEFITS
exceeding the depreciated value
†
††
†
††
For example:
Your claim, the maximum reimbursement available to You
All claims are subject to the terms, conditions, and Limitations
4. LIMITATIONS AND EXCLUSIONS
This coverage complements but does not replace the
consecutive month period.
Cardmember or the Cardmember’s travelling companion
with the Cardmember’s knowledge.
earthquake, radioactive contamination, Mysterious
(iii) any occurrence that results in catastrophic damage
beyond repair, such as the device separating into multiple
b) incidental and consequential damages including bodily
5. GIFTS
6. OTHER INSURANCE
applicable valid insurance, indemnity, warranty or protection
The administrator will be liable only:
covered under such other insurance, indemnity,
applicable deductible, and
This coverage will not apply as contributing insurance
notwithstanding any provision in any other insurance,
indemnity or protection policies or contracts.
7. HOW TO MAKE A CLAIM
please visit .
documentation to substantiate Your claim including:
a) the original sales receipt detailing the cost, date and
uninterrupted monthly wireless bill payments charged to
administrator may ask You to return, at Your own expense,
order to support Your claim.
occurred.
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:
or
ii) use Your Scene+
points do not pay
is charged to Your Account.
during the same period there is more than one vehicle
or another vehicle.
any deductible that may apply, provided all the procedures
and You have waived the rental agency’s deductible waiver.
be reimbursed under the Policy.
Notes:
•
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
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.
8. HOW TO CLAIM
phone the administrator by calling 1-800-263-0997
Canada and the United States or 416-977-1552 locally or
.
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
points.
items, limited editions, original, signature pieces or
coupons, travel vouchers) settlement is made by the
Common Carrier.
2. DELAYED LUGGAGE
Scene+
nature whatsoever.
3. HOTEL/MOTEL BURGLARY
4. END OF COVERAGE
5. HOW TO CLAIM
by calling 1-800-263-0997
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
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
:
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
6. HOW TO CLAIM
may lead to a loss covered under Trip Cancellation or Trip
by calling 1-800-263-0997
United States or 416-977-1552
online, please 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
5. OTHER INSURANCE
insurance, indemnity, reimbursement or protection
been claimed under and exhausted and subject to the terms,
6. HOW TO CLAIM
contact the administrator by calling 1-800-263-0997
Canada and the United States or 416-977-1552 locally or
claim online, please visit .
documentation to substantiate Your claim, including
administrator to determine coverage eligibility.
1. ELIGIBILITY
Scene+ points.
2. COVERAGE
Common Carrier to:
the trip shown on the Ticket.
b) Make the trip as shown on the Ticket.
the 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
the 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
b) suicide or attempted suicide, whether sane or insane.
g) accident occurring while a passenger on, or operating
6. END OF COVERAGE
Coverage under Common Carrier Travel Accident insurance
7. HOW TO CLAIM
1-800-263-0997
416-977-1552
written statement, must be given to the administrator as
Children.
1. ELIGIBILITY
coverage, provided Your Account is in Good Standing.
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
Scotia
Your Trip departure date.
5. BENEFITS
subject to the terms, limitations, and exclusions set out herein.
Hospital Accommodation, Medical Expenses and Doctor
Diagnostic Services
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 Dental Care
accidental blow to the mouth.
Medical Appliances including slings, braces, splints,
a stretcher and attending medical personnel to return the
when approved and arranged by the administrator.
Transportation to Bedside
to the nearest appropriate rental location, when the
Car Accident Assistance
6. MEDICAL EMERGENCY PROCEDURES
1-800-263-0997
416-977-1552
where a collect call is not possible, call direct and You will be
reimbursed.
7. LIMITATIONS
•
prior approval by the administrator, except in extreme
•
•
•
8. EXCLUSIONS
33
i) illness or accidental injury sustained while under
dangerous sports or events including recreational scuba
9. HOW TO CLAIM
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
occurred.
5. PAYMENT OF CLAIM
6. LEGAL ACTION
is absolutely 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
the external recourse either by calling the administrator at
the number listed above or
9. PRIVACY
will be used to administer services and process claims.
mandatories, administrators or agents who are responsible
on our privacy policy.
® American Express is a registered trademark of American Express. This
credit card program is issued and administered by The Bank of Nova
Scotia under license from American Express.
®* Registered trademarks of The Bank of Nova Scotia.
™*
Scene+ and the Icon Design are trademarks of Scene Plus IP Corporation,
used under license.
