I don't know the specifics about Canadian issuers, but it is now pretty much standard in the U.S. to have some type of CDW included in your card. Visa was the first to move this way when, a few years ago, they announced that all Visa credit cards (though not debit/check cards) would carry CDW. I'm not 100% sure that MasterCard and the others followed the same way, but it seems to be getting rarer and rarer now to encounter a card that does not provide at least some level of coverage.