Scotia Credit Card Protection

As per the certificate of insurance, there are instances where no benefits will be payable under this insurance if death, Critical Illness or Disability resulted directly or indirectly from, for example:

•       intentionally self-inflicted injury, suicide or attempted suicide, while sane or insane (for the death or Disability benefit this exclusion is only applicable within the first 12 months following the Effective Date of Your coverage);

•       the commission or attempted commission of a criminal offence;

•       the intentional taking of drugs, except where prescribed by a Doctor and taken as directed;

•       the operation or control of any motorized vehicle or water craft with blood alcohol concentration in excess of legal limits in the jurisdiction where the death, Critical Illness or Disability occurred;

•       a pre-existing condition, if death, Critical Illness or Disability occurs within 12 months of the Effective Date of Your coverage. For the purposes of this exclusion, a pre-existing condition is defined as any sickness or injury for which You or the Co-borrower, as applicable, received medical advice, consultation, investigation, diagnosis, or for which Treatment was required or recommended by a Doctor, during the 12 months prior to the Effective Date of Your coverage.

A full list of general exclusions is provided in your Certificate of Insurance which you will receive when you enroll.  For a sample certificate please see resources section below.