I Never Travel Without the Right Credit Card — Here’s Why It Matters More as We Get Older

After years of travelling — cruises, long-haul flights, and overseas visits — I’ve learned one important lesson: things don’t always go according to plan.

Flights get delayed. Luggage goes missing. And sometimes, our bodies don’t cooperate the way they used to.

That’s why I no longer book a cruise or vacation casually. And surprisingly, it’s not about reward points or luxury perks.
It’s about travel insurance — and choosing the right credit card.

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Why Travel Insurance Matters More Than Ever

There was a time when I barely paid attention to travel insurance. I assumed it was something “nice to have.”

Now, it’s the first thing I check.

Some credit cards offer only minimal coverage. Others can save you thousands of dollars if something unexpected happens far from home — especially for medical emergencies, trip interruptions, or lost baggage.

For older travellers, peace of mind matters more than fancy benefits.

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What This Guide Is (and Isn’t)

This is not a technical comparison full of banking jargon.

It’s a simple, senior-friendly overview of travel credit cards that make sense for Canadians who:

• Fly occasionally or frequently

• Enjoy cruises

• Visit family overseas

• Want solid insurance coverage without stress

Choosing the right card can easily save you hundreds of dollars a year — and much more when things go wrong.

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Top Travel Credit Cards for Canadians in 2025

1️⃣ Scotiabank Gold American Express

Best for: Flights, groceries, dining

Why it stands out:

• No foreign currency transaction fees

• Excellent travel insurance coverage

• Strong points value

This card is especially attractive for snowbirds and travellers who spend time shopping or dining outside Canada.

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2️⃣ TD Aeroplan Visa Infinite

Best for: Air Canada flyers

Why it works well:

• Free checked bag

• Priority boarding

• Solid insurance benefits

A good fit if you travel overseas regularly or visit family abroad.

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3️⃣ CIBC Aventura Visa Infinite

Best for: Flexible travel rewards

Why many like it:

• Points can be redeemed on almost any airline

• Lounge access at select airports

• Often comes with a generous welcome bonus

This card offers flexibility without locking you into one airline.

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A Final Thought

As we get older, travel becomes less about rushing and more about enjoying the journey with confidence.

A good travel credit card won’t prevent delays or surprises — but it can make them far easier to handle.

For me, that peace of mind is worth far more than points.

Related travel experience-based article