Credit Cards

Can't find CC for Insurance (Travel, Rental, Roadside) with <$150 AF

  • Last Updated:
  • Feb 5th, 2018 12:44 pm
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[OP]
Deal Addict
Jan 26, 2016
2164 posts
2183 upvotes
Toronto, ON

Can't find CC for Insurance (Travel, Rental, Roadside) with <$150 AF

I am trying to find a CC that has the following:
  • Rental car insurance
  • Trip interruption/cancellation/baggage insurance
  • Road side assistance (CAA replacement)
Any suggestions?
14 replies
Deal Fanatic
Nov 22, 2015
6448 posts
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WinterSleep wrote: I am trying to find a CC that has the following:
  • Rental car insurance
  • Trip interruption/cancellation/baggage insurance
  • Road side assistance (CAA replacement)
Any suggestions?
I don't think such a card exists; not for under $150 annual fee. You're probably better off with an actual CAA membership and a freemium card.
Deal Fanatic
User avatar
Aug 22, 2005
7849 posts
1020 upvotes
Get the home trust visa for the road side assistance and then find another card for the travel/rental car stuff.
[OP]
Deal Addict
Jan 26, 2016
2164 posts
2183 upvotes
Toronto, ON
HBP wrote: Get the home trust visa for the road side assistance and then find another card for the travel/rental car stuff.
Yeah I was thinking that might be an option... though 5km towing radius is pretty small...

Having said that, it also says it has car rental.. is that for real?

No annual fee, no foreign transaction fee, road side, AND car rental!? Is there a catch?
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Apr 24, 2017
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BMO Cash Back WE. $120 annual fee or no annual fee through #bankup.

BMO WE. $150 annual fee or no annual fee through #bankup.
💳 Amex Cobalt - MBNA RWE - Brim WE
😊 Amex Platinum - Bonvoy Brilliant Amex - CIBC Aeroplan VIP
[OP]
Deal Addict
Jan 26, 2016
2164 posts
2183 upvotes
Toronto, ON
superangrypenguin wrote: Desjardins Gold Odyssey card.
^no roadside assistance...
EdisonL299 wrote: BMO Cash Back WE. $120 annual fee or no annual fee through #bankup.

BMO WE. $150 annual fee or no annual fee through #bankup.
The road-side assistance is an add-on and costs nearly same as CAA membership :(
Sr. Member
Nov 22, 2012
704 posts
811 upvotes
NS
BMO CashBack World Elite MasterCard has roadside assistance, rental car CDW, flight delay and baggage insurance.
TD Cash Back Visa Infinite has roadside assistance, rental car CDW, and baggage insurance.
Newbie
Jan 16, 2018
72 posts
44 upvotes
WinterSleep wrote: I am trying to find a CC that has the following:
  • Rental car insurance
  • Trip interruption/cancellation/baggage insurance
  • Road side assistance (CAA replacement)
+1

Yes but the FX-fee-free Home Trust Preferred Visa already includes some insurances like "Auto Rental Collision/Loss Damage Insurance" along with its free basic roadside assistance so you just need a premium travel card for the rest.

However, if original OP list for that "CAA replacement" meant really replace a premium/plus level rather than basic one because expect longer distance towing incidents beyond 5km to be included as per OP's recent reply, then you may wish to also consider Canadian Tire Roadside Assistance which appears to be popular here during their seasonal 50% off promos as found here : https://forums.redflagdeals.com/canadia ... 3-2145423/ (others here and there will have to chime in for your questions on it as don't have this CTC deal)
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Oct 13, 2007
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Edmonton
WinterSleep wrote: Yeah I was thinking that might be an option... though 5km towing radius is pretty small...

Having said that, it also says it has car rental.. is that for real?

No annual fee, no foreign transaction fee, road side, AND car rental!? Is there a catch?
The only catch is hoping you don’t get declined for the card.
[OP]
Deal Addict
Jan 26, 2016
2164 posts
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Toronto, ON
starchoice wrote: The only catch is hoping you don’t get declined for the card.
Why would I get declined?
Deal Fanatic
Nov 22, 2015
6448 posts
6313 upvotes
WinterSleep wrote: Why would I get declined?
There's a whole thread about it in the credit card forum... seems like it's hit or miss whether you get approved or not, even with excellent credit.
[OP]
Deal Addict
Jan 26, 2016
2164 posts
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Toronto, ON
superfresh89 wrote: There's a whole thread about it in the credit card forum... seems like it's hit or miss whether you get approved or not, even with excellent credit.
oh... any idea what factors?
Member
User avatar
Mar 2, 2017
271 posts
252 upvotes
jevonb wrote: BMO CashBack World Elite MasterCard has roadside assistance, rental car CDW, flight delay and baggage insurance.
It certainly used to, but I'm not so sure anymore. If you look on page 21 of this benefits guide (which may be out of date), it says: "With the BMO CashBack World Elite Mastercard, you will receive a free membership of the Dominion Automobile Association and the benefits of their BMO Roadside Assistance Program (Basic Coverage)."

And if you look back at an old copy of the webpage from the wayback machine, it talks about the "Complimentary Roadside Assistance Program" right on the main page.

But looking at the current main page, I don't see an indication of it anymore. Was this another change BMO snuck in with all their other recent changes? Or maybe I'm just blind.
Sr. Member
Nov 22, 2012
704 posts
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NS
ddot98 wrote: It certainly used to, but I'm not so sure anymore. If you look on page 21 of this benefits guide (which may be out of date), it says: "With the BMO CashBack World Elite Mastercard, you will receive a free membership of the Dominion Automobile Association and the benefits of their BMO Roadside Assistance Program (Basic Coverage)."

And if you look back at an old copy of the webpage from the wayback machine, it talks about the "Complimentary Roadside Assistance Program" right on the main page.

But looking at the current main page, I don't see an indication of it anymore. Was this another change BMO snuck in with all their other recent changes? Or maybe I'm just blind.
I would trust the most current benefits guide over the webpage notes. The roadside assistance benefit is included in both the "Benefits Guide" you found and the more comprehensive "Information Guide" which is accessed directly from the credit card info page https://www.bmo.com/pdf/cashback-world-elite-en.pdf
The current BMO website design does not include comprehensive benefits notes. The benefits notes are often inconsistent depending on which webpage you access. For example, 2 of the following 3 webpages do state that this card includes a Complimentary Roadside Assistance Program.

https://www.bmo.com/main/personal/credi ... astercard/
https://www.bmo.com/main/personal/credi ... -cashback/
https://www.bmo.com/main/personal/credi ... &gclsrc=ds

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