FAQ – Desjardins credit cards – Insurance

As a Desjardins credit cardholder, you benefit from the following insurance coverage:

  • Student Cash Back Visa
    To learn more, go to the Insurance section.
  • Cash Back
    To learn more, go to the Insurance section.
  • Classic Visa
    To learn more, go to the Insurance section.
  • Elegance Gold Visa®
    To learn more, go to the Insurance section.
  • Modulo Visa®
    To learn more, go to the Insurance section.
  • Cash Back World Mastercard
    To learn more, go to the Insurance section.
  • Odyssey Gold Visa®
    To learn more, go to the Insurance section.
  • Odyssey® World Elite® Mastercard
    To learn more, go to the Insurance section.
  • Platinum Visa
    To learn more, go to the Insurance section.
  • Odyssey® Visa Infinite Privilege*
    To learn more, go to the Insurance section.

As a Visa Desjardins cardholder, you are entitled to 3-Day Travel Insurance free of charge and with no restrictions in terms of the destination for any trips of 3 days or less outside of your province of residence. Regardless of the number of trips you take during the year, your Visa Desjardins card entitles you and anyone traveling with you (spouse and dependent children) to the following coverage:

  • Emergency Health Care
  • Trip Cancellation
  • Baggage
  • Accident

Please note that your spouse and dependent children are only covered if they travel with you.

To request additional coverage before you leave for any trip longer than three days, contact Desjardins Financial Security at 1-800-463-7845. You will get free coverage for the first 3 days of your trip, regardless of the plan you choose. Only the insurance plans you extend will be in effect for the first 3 days of your trip.

To learn more about travel insurance, see Travel Insurance and select a card.

Accirance provides coverage to protect you from the financial consequences of an accident, anytime and anywhere in the world.

  • Helps you meet your significant financial obligations following a serious accident, such as the costs of refitting your home.
  • Complements the provincial health insurance plan and your group insurance plan at work.
  • Insures your children automatically 15 days after their birth under your Accirance contract if an Accirance contract is already in force.
  • Entitles policyholders to free access to telephone assistance services.

Learn more about Accirance Select accident insurance.

Credit Balance Insurance - Individuals covers at least the minimum payment of your Visa Desjardins card in case of involuntary loss of employment, dismemberment, critical illness or death.

To learn more, please contact Desjardins Financial Security at 1-866-838-7532, Monday to Friday from 8:00 a.m. to 8:00 p.m., Saturday from 8:30 a.m. to 4:30 p.m., or go to Credit Balance Insurance - Individuals.

To take out Credit Balance Insurance - Individuals, call 1-866-733-2001, Monday to Friday from 8:00 a.m. to 9:00 p.m., Saturday from 8:30 a.m. to 4:30 p.m..

Some Desjardins credit cards provide Auto Rental Collision/Loss Damage Insurance for up to 48 consecutive days, if the rental is charged to your Desjardins credit card and you decline the equivalent coverage offered by the rental company.

However, third-party liability coverage is not included. It is advisable to check with your personal auto insurance policy to see if third-party liability insurance will cover you in the event of an accident involving a rented automobile. If required, you can subscribe to this insurance with the car rental company.

To learn more, visit the website or call American Bankers Insurance Company of Florida at 1-888-409-4442 from Canada or the U.S. or 613-634-4993 elsewhere in the world.

For more information, see Credit cards, select a card and click on the Insurance drawer.

Most Desjardins credit cards offer you 2 coverages for items purchased with your card1 .

Purchase Protection

Eligible goods purchased with your card are covered up to $50,000 in the 90 days following purchase in the event of loss or damage.

Extended Warranty

Extended warranty on most goods purchased with your card: doubles the manufacturer's warranty for up to 1 additional year.

For more information, read the insurance certificate included in your Visa Desjardins card information kit. To learn more or to file a claim, visit the website or call 1-888-409-4442.

To learn more, see Credit cards, select a card and click on the Purchase Protection and Extended Warranty drawer.

1. Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC). ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant®.
®Assurant is a registered trademark of Assurant Inc. Details of your insurance coverage, including definitions, benefits, limitations, and exclusions, are in the Certificate of Insurance provided with your card.

As a Desjardins credit cardholder, you can get Mobile Device Insurance that will cover your mobile device or tablet up to $1,000 in the event of loss, theft, mechanical breakdown or accidental damage2.

How to activate coverage

  • Finance the purchase of your new device through your wireless service provider and pay your device's monthly wireless bill with your card.

    or

  • Purchase your new device with your card.

How to make a claim

2. Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC). ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant®.
®Assurant is a registered trademark of Assurant Inc. Details of your insurance coverage, including definitions, benefits, limitations, and exclusions, are in the Certificate of Insurance provided with your card.

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