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Frequently Asked Questions
Scotia Credit Card Protection
Plan today for a secure tomorrow. This insurance coverage1 can pay off your outstanding account balance or help cover your monthly credit card payments as a result of certain unexpected events.
Turn credit card purchases into bite-sized payments. A new, flexible way to pay off your eligible Scotiabank Visa* credit card purchases of $100 or more, with no interest rate on your plan and a low fee.2
A waiting period and pre-existing conditions apply to certain coverages. Critical Illness, Hospitalization, 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 limitations and exclusions, are outlined in the Certificate of Insurance.
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 Certificate of Insurance which you will receive within 30 days once your Scotia Credit Card Protection application has been approved.