Kuverd

You’re covered for more than you think.

Every card, membership, phone plan and policy comes with fine print. Kuverd reads all of it, for everyone in your household, and tells you what you already have.

Free, for households in Canada and the US. Join the list to hear the day it opens.

American Express Cobalt Card

Car Rental Theft and Damage Insurance

Section 2 - Important notice - Please read carefully

• Coverage is only available if you are a resident of Canada.

• A Cardmember must decline the rental agency’s CDW offered by the rental agency on the rental agreement.

§ 2 · Page 35 of 68

Am I covered for this rental car?

Yes, your rental car is covered.

Pay with your Cobalt and turn down the counter’s collision waiver.

Rentals up to 48 days · Cars under $85,000 MSRP

Verified Sep 2026Source

A real clause from the American Express Cobalt Card’s certificate of insurance, and Kuverd’s plain answer.

Everything you hold came with fine print.

Insurance certificates for your cards. A benefits chart for your CAA or AAA. Perks tucked into your phone plan’s terms. Nobody reads them, so people pay for cover they already have.

200 pages

That’s the insurance fine print for just three cards: the American Express Cobalt Card (68 pages), the Platinum Card (76) and the TD Aeroplan Visa Infinite (56).

Kuverd reads every page, so you don’t have to.

Three real clauses from the American Express Cobalt Card’s certificate of insurance, and what each one means for you.

Table of contents

  1. Out of Province/Country Emergency Medical Insurance2
  2. Flight and Baggage Delay & Hotel Burglary Insurance16
  3. Lost or Stolen Baggage Insurance24
  4. Travel Accident Insurance30
  5. Car Rental Theft and Damage Insurance35
  6. Buyer’s Assurance® Protection Plan45
  7. Purchase Protection® Plan52
  8. Mobile Device Insurance59
  9. Customer Service Numbers68
  1. 1Delayed flight
  2. 2Cracked phone
  3. 3Who’s covered

Flight and Baggage Delay & Hotel Burglary Insurance

Section 6 - What is covered and what are the benefits?

Coverage A - Missed Connection

If due to the delay of the insured person’s incoming flight, the insured person misses a confirmed onward connecting flight and no alternative onward transportation is made available by the airline within four (4) hours from the time of the scheduled departure, we will pay the insured person’s reasonable living expenses incurred and other sundry items purchased during the period of the missed connection.

Coverage B - Delayed Flight Departure or Denied Boarding

If the insured person’s confirmed scheduled departure from any airport is delayed for four (4) hours or more, or the insured person is denied boarding of the aircraft due to overbooking and no alternative transportation is made available to the insured person by the airline within four (4) hours of the scheduled departure time of the original flight, we will pay the insured person’s reasonable living expenses incurred and other sundry items purchased during the period of the flight delay or denied boarding.

§ 6 · Page 18 of 68

My flight’s five hours late. Am I covered?

Yes. Your meals and hotel are covered.

The clock starts at four hours, as long as the full fare was on your Cobalt.

  • Flight and baggage delay insuranceAmerican Express Cobalt Card

    Full fare charged to the card · $500 in total for one delay

    Verified Sep 2026Certificate of Insurance, p. 18Source

Mobile Device Insurance

Section 6 - What is covered and what are the benefits?

A. COVERAGE

Mobile Device Insurance provides coverage in the event your mobile device is lost, stolen or accidentally damaged, anywhere in the world. Coverage is available for mobile devices purchased on or after the effective date, if:

1. you charge the full purchase price of your mobile device to your Card and you activate your mobile device with a Canadian wireless service provider, if the mobile device is equipped with cellular data technology; or

B. BENEFITS

2. If your mobile device is accidentally damaged, you will be reimbursed the lesser of its repair cost or replacement cost, not exceeding the depreciated value* of your mobile device at the date of loss, less a 10% deductible, to a maximum of $1,000 per occurrence and per insured person.

§ 6 · Pages 61–62 of 68

I cracked my phone screen. Am I covered?

Yes, if you bought it with your Cobalt.

It pays the repair, up to what the phone is worth now, less 10%.

  • Mobile device insuranceAmerican Express Cobalt Card

    Bought in the last two years · Full price, or the plan payments, on the card · Up to $1,000

    Verified Sep 2026Certificate of Insurance, pp. 61–62Source

Flight and Baggage Delay & Hotel Burglary Insurance

Section 4 - Definitions

Dependent child(ren) means an unmarried natural, adopted, step or foster child, or legal ward of the Cardmember or the Cardmember’s spouse who is, on the date the full fare is charged to the Card, at least 15 days old, dependent on the Cardmember or the Cardmember’s spouse for support and:

a) is under 21 years of age;

b) is a full-time student who is under 25 years of age; or

c) has a permanent physical impairment or a permanent mental disability.

You, your and insured person mean any of the following persons: the Cardmember, the Cardmember’s spouse or the Cardmember’s dependent children, whether travelling together or not.

§ 4 · Pages 17–18 of 68

Sam’s flying home from university. Is she covered?

Yes, Sam’s covered too.

Your spouse and kids count as you, travelling with you or not, and a full-time student counts until 25.

  • Flight and baggage delay insuranceAmerican Express Cobalt Card

    Full fare charged to your card · A full-time student under 25

    Verified Sep 2026Certificate of Insurance, pp. 17–18Source

Use it before it lapses.

A statement credit only pays if someone remembers it. Kuverd lists every credit your household holds with its deadline, and you tick each one off once it’s used.

Chase Sapphire ReserveEvery credit on the card, this period

$615 left to use this period

Example household

Am I covered for a rental cara five-hour delaya car that won’t starta cracked phone?

Pick what happened

An example household in Canada, holding American Express Cobalt Card, TD Aeroplan Visa Infinite Card and CAA Plus.

An example household in the US, holding Chase Sapphire Reserve, AAA Plus, T-Mobile Experience Beyond and Costco Executive.

Yes, you’re covered.

Pay with your Cobalt and decline the counter’s collision damage waiver. It covers pricier cars than your TD card does.

  • Car rental theft and damage insuranceAmerican Express Cobalt Card

    Rentals up to 48 days · Cars under $85,000 MSRP

    Verified Sep 2026Certificate of Insurance, pp. 35–38Source

  • Auto rental collision and loss damage insuranceTD Aeroplan Visa Infinite Card

    Decline the agency’s own waiver · Cars up to $65,000 MSRP

    Verified Sep 2026Benefits guideSource

Yes, you’re covered.

Your Cobalt pays from four hours if the fare was on it, and your TD Aeroplan pays per person.

  • Flight and baggage delay insuranceAmerican Express Cobalt Card

    Delays of four hours or more · $500 in total for one delay

    Verified Sep 2026Certificate of Insurance, p. 18Source

  • Flight and trip delay insuranceTD Aeroplan Visa Infinite Card

    Up to $500 per insured person · Covers the household

    Verified Sep 2026Card benefits pageSource

Yes. CAA Plus sends a truck.

Four service calls a year, each towed up to 200 km, plus a boost, a lockout or a flat.

  • Roadside assistanceCAA Plus

    Four service calls a year · Towing up to 200 km

    Verified Sep 2026Compare membershipsSource

Yes, if you bought it with either card.

Both pay toward the repair, up to what the phone is worth now, less a deductible.

  • Mobile device insuranceAmerican Express Cobalt Card

    Full price, or the plan payments, on the card · Up to $1,000

    Verified Sep 2026Certificate of Insurance, pp. 61–62Source

  • Mobile device insuranceTD Aeroplan Visa Infinite Card

    75% of the price, or the plan payments, on the card · Up to $1,000

    Verified Sep 2026Benefits guideSource

Yes, you’re covered.

Your Sapphire Reserve pays first, before your own car insurance, if you pay for the whole rental with it.

  • Auto rental collision damage waiverChase Sapphire Reserve

    Decline the agency’s CDW/LDW · Up to $75,000

    Verified Sep 2026Guide to benefitsSource

Maybe not.

Your Sapphire Reserve pays once a delay passes six hours or runs overnight. Five hours falls short.

  • Trip delay reimbursementChase Sapphire Reserve

    Up to $500 per traveler

    Delayed more than six hours, or overnightWhat you said may not meet this.

    Verified Sep 2026Guide to benefitsSource

Yes. AAA Plus tows you up to 100 miles.

And your T-Mobile plan comes with a free year of AAA, so check you aren’t paying for it twice.

  • Roadside assistanceAAA Plus

    Four calls a year for you, two for each associate · Up to 100 miles a tow

    Verified Sep 2026Benefit chartSource

  • A free year of AAAT-Mobile Experience Beyond

    Complimentary for one year · AAA renews at its own rate

    Verified Sep 2026Travel benefitsSource

Nothing you hold covers this.

None of your cards or plans includes phone insurance. Better to know now than at the repair counter.

Your phone plan might already pay for Netflix.

  • T-Mobile Experience BeyondNetflix on Us: Netflix Standard with ads, at no extra cost

    Included

  • Netflix Standard with adsPaid for separately, as well

    $107.88 a year

You could stop paying for Netflix.

Verified Sep 2026Source

Most households have nothing like this. When that’s you, Kuverd says so plainly: Nothing worth cancelling.

Every answer shows where it came from.

American Express Cobalt Card
Verified Sep 2026 against the certificate
Your credit union cardCard
Unverified · Reading the issuer’s pages
Verified
means a person checked the benefit against the provider’s own document. The date says when.
Source
means a link to that document, so you can read the clause yourself.
Unverified
means nobody has checked it yet. Ask for a card Kuverd doesn’t know, and AI drafts it from the issuer’s own pages in a couple of minutes. It stays marked Unverified, and out of any advice to cancel, until a person reviews it.
Household
means up to eight people, each with their own cards, memberships and plans. Some benefits cover all of you.
Free
means free. Kuverd doesn’t sell your data, and it never pushes you toward a new card.
The provider’s terms
always win. Benefits change, so every answer carries the date it was last checked.

See everything you’re already covered for.

Join the waitlist and we’ll tell you the day Kuverd opens. Then add what you hold, and it reads the rest.