TD Health Insurance Review 2025: Is It Right For You?
Our expert's review of TD
ScoreTD Insurance health insurance stands out in Canada for its wide range of solutions, from flexible accident and sickness coverage (critical illness, accident disability, accidental death) to comprehensive health and dental packages through GreenShield Health Assist (ZONE and LINK plans).
TD’s offerings allow for guaranteed acceptance on several plans, lifetime coverage, and family eligibility for some products, which sets it apart from most banks and direct insurers. Reimbursement is prompt, with direct billing available for many health expenses and digital claim submission tools.
TD’s Health Assist options are particularly well-suited for self-employed individuals, retirees losing group benefits, or newcomers seeking individual health and dental coverage with flexible acceptance, including those with pre-existing conditions. TD, as part of a major Canadian banking group, is financially solid, with TD Life Insurance underwriting all proprietary plans, but GreenShield manages health/dental plans; both are recognized and regulated entities.
While GreenShield receives favourable feedback for its digital tools and claim experience, TD Insurance’s overall service ratings are mixed nationwide, with no Trustpilot or aggregated review specific to health insurance. Most claims are processed within days when submitted electronically, ensuring efficient support for policyholders.
- ✅Broad choice of accident, critical illness, health and dental plans
- ✅Guaranteed acceptance on select plans, including pre-existing conditions
- ✅Direct billing for pharmacy, dental, vision care
- ✅Coverage lifetime as long as premiums are paid
- ✅Digital claims, mobile app, and GreenShield+ tools
- ✅No waiting period for most plans
- ✅Available to retirees, self-employed, and families
- ❌Health and dental plans managed by GreenShield, not TD directly
- ❌No public Trustpilot or aggregated ratings for TD health insurance
- ❌Limited detailed pricing transparency online
- ❌No major discounts or regular promotions available
- ❌Claims process satisfaction can vary by province
Score- ✅Broad choice of accident, critical illness, health and dental plans
- ✅Guaranteed acceptance on select plans, including pre-existing conditions
- ✅Direct billing for pharmacy, dental, vision care
- ✅Coverage lifetime as long as premiums are paid
- ✅Digital claims, mobile app, and GreenShield+ tools
- ✅No waiting period for most plans
- ✅Available to retirees, self-employed, and families
Our expert's review of TD
- ✅Broad choice of accident, critical illness, health and dental plans
- ✅Guaranteed acceptance on select plans, including pre-existing conditions
- ✅Direct billing for pharmacy, dental, vision care
- ✅Coverage lifetime as long as premiums are paid
- ✅Digital claims, mobile app, and GreenShield+ tools
- ✅No waiting period for most plans
- ✅Available to retirees, self-employed, and families
- ❌Health and dental plans managed by GreenShield, not TD directly
- ❌No public Trustpilot or aggregated ratings for TD health insurance
- ❌Limited detailed pricing transparency online
- ❌No major discounts or regular promotions available
- ❌Claims process satisfaction can vary by province
Score- ✅Broad choice of accident, critical illness, health and dental plans
- ✅Guaranteed acceptance on select plans, including pre-existing conditions
- ✅Direct billing for pharmacy, dental, vision care
- ✅Coverage lifetime as long as premiums are paid
- ✅Digital claims, mobile app, and GreenShield+ tools
- ✅No waiting period for most plans
- ✅Available to retirees, self-employed, and families
Why trust HelloSafe?
HelloSafe is an international expert in health insurance, guiding over a million users worldwide each month in their coverage choices. Our specialists have evaluated the offerings of 48 insurers in Canada, conducting an in-depth analysis of their coverage, rates, and quality of service.
What does TD Health Insurance cover?
TD provides a wide range of accident, critical illness, and comprehensive health coverage, notably distributing GreenShield plans with guaranteed acceptance for many applicants and lifetime renewability. Reimbursement rates are competitive, and valuable extras like telemedicine and mental health support are included. No waiting period for most coverage, and family options or direct billing are strong points.
However, plan specifics such as detailed exclusions and limits vary, and public pricing or senior-specialized plans are lacking. Overall, TD stands out for flexible entry, digital tools, and continuity after employer coverage ends, but transparency on reimbursement thresholds should be improved.
Routine Medical Care
| Guarantee | OHIP | Health Assist ZONE 2 | Health Assist ZONE 5 |
|---|---|---|---|
| Prescription drugs (reimbursement rate, deductible, ceiling) | Default Ontario Drug Benefit/Trillium, varies by age/income | 70% reimbursement $500 deductible $1,500/year max | 90% reimbursement $250 deductible $10,000/year max |
| Hospitalization (reimbursement rate, room type, days covered) | 100% Standard ward Unlimited | $150/day for semi-private room 60 days/year | $200/day for semi-private room 90 days/year |
| Ambulance transportation (reimbursement rate, amount, period) | 0% unless medically necessary or emergency | $4,000/year per person | $5,000/year per person |
| Home care (reimbursement rate, amount, period) | Default Covered if deemed medically necessary | $3,000/year for home nursing | $5,000/year for home nursing |
| Laboratory analysis (reimbursement rate, amount, period) | Default Covered in public hospital clinics | $200/year per person | $500/year per person |
Ontario Drug Benefit/Trillium, varies by age/income
$500 deductible
$1,500/year max
$250 deductible
$10,000/year max
Standard ward
Unlimited
60 days/year
90 days/year
Covered if deemed medically necessary
Covered in public hospital clinics
Dental care
| Guarantee | OHIP | ZONE 3 Basic Plan | ZONE 7 Ultimate Plan | LINK 2 Classic Plan | LINK 4 Elite Plan |
|---|---|---|---|---|---|
| Preventive and routine dental care (coverage rate, amount, period) | Default Limited youth coverage; varies by province | 80% $1,000/year (Year 3+) Recall 9 months | 80-90% $2,000/year (Year 3+) Recall 6 months | 80% $800/year (Year 2) Recall 9 months | 80% $1,500/year (Year 3+) Recall 6 months |
| Basic dental care (coverage rate, amount, period) | Default Hospital or emergency only | 80% Included in max $1,000/year (Year 3+) | 80-90% Included in max $2,000/year (Year 3+) | 80% Included in max $800/year (Year 2) | 80% Included in max $1,500/year (Year 3+) |
| Major dental care (coverage rate, amount, period) | Not covered | 50% Year 3+ Included in annual max | 50% Year 3+ Included in annual max | Not covered | 60% Year 3+ Included in annual max |
| Orthodontics (coverage rate, amount, period) | Not covered | Not covered | 50% Year 3+ $2,000 lifetime | Not covered | 60% Year 3+ $2,000 lifetime |
Limited youth coverage; varies by province
$1,000/year (Year 3+)
Recall 9 months
$2,000/year (Year 3+)
Recall 6 months
$800/year (Year 2)
Recall 9 months
$1,500/year (Year 3+)
Recall 6 months
Hospital or emergency only
Included in max
$1,000/year (Year 3+)
Included in max
$2,000/year (Year 3+)
Included in max
$800/year (Year 2)
Included in max
$1,500/year (Year 3+)
Year 3+
Included in annual max
Year 3+
Included in annual max
Year 3+
Included in annual max
Year 3+
$2,000 lifetime
Year 3+
$2,000 lifetime
Vision care
| Guarantee | OHIP | Health Assist ZONE 1 (TD/GreenShield) | Health Assist ZONE 4 (TD/GreenShield) | Health Assist LINK 1 (TD/GreenShield) | Health Assist LINK 4 (TD/GreenShield) |
|---|---|---|---|---|---|
| Glasses, lenses, surgery (reimbursement rate, amount, period) | Default Under 19/65+: up to $50/2 years for lenses; surgery only if medically necessary | $150 every 2 years for glasses/lenses; no laser surgery | $250 every 2 years for glasses/lenses; $150/2 years for laser | $150 every 2 years for glasses/lenses; no laser surgery | $250 every 2 years for glasses/lenses; $150/2 years for laser |
| Optometrist consultation (reimbursement rate, amount, period) | Default Under 19/65+: one exam/year | $70 every 2 years for eye exam | $80 every 2 years for eye exam | $70 every 2 years for eye exam | $80 every 2 years for eye exam |
Under 19/65+: up to $50/2 years for lenses; surgery only if medically necessary
Under 19/65+: one exam/year
Specialized and Paramedical Care
| Guarantee | Provincial Health Insurance | ZONE 1 (TD/GreenShield) | ZONE 4 (TD/GreenShield) | LINK 1 (TD/GreenShield) | LINK 4 (TD/GreenShield) |
|---|---|---|---|---|---|
| Alternative medicine (rate, amount, period, per consult) | Not covered | 80% up to $350/year, $35/visit max | 80% up to $950/year, $50/visit max | 80% up to $350/year, $35/visit max | 80% up to $950/year, $50/visit max |
| Psychologist (rate, amount, period, per consult) | Not covered | 80% up to $350/year, $35/visit max | 80% up to $950/year, $50/visit max | 80% up to $350/year, $35/visit max | 80% up to $950/year, $50/visit max |
| Speech therapy (rate, amount, period, per consult) | Not covered | 80% up to $350/year, $35/visit max | 80% up to $950/year, $50/visit max | 80% up to $350/year, $35/visit max | 80% up to $950/year, $50/visit max |
| Travel insurance (rate, amount, period) | Not covered | $1 million emergency/trip, 15 days per trip, multi-trip | $3 million emergency/trip, 30 days per trip, multi-trip | $1 million emergency/trip, 15 days per trip, multi-trip | $3 million emergency/trip, 30 days per trip, multi-trip |
What is the price of TD health insurance in 2025?
Here's the cost of health insurance with TD:
| Type of coverage (household composition) | ZONE 1 (base) | ZONE 3 (enhanced) | LINK 2 (transition) |
|---|---|---|---|
| Individual (1 insured) | About $58/month | About $94/month | About $110/month |
| Couple (2 insured) | About $109/month | About $176/month | About $205/month |
| Single parent family (1 adult + 2 children) | About $124/month | About $206/month | About $218/month |
| Family (2 adults + 2 children) | About $143/month | About $231/month | About $258/month |
*Prices are indicative and may change depending on your personal situation and the selected plan.*
GreenShield Health Assist Plans
TD Insurance distributes GreenShield Health Assist plans (ZONE & LINK). Premiums vary by age, province, and medical history. Some plans guarantee acceptance, even for pre-existing conditions.
TD Promo Codes
| TD promo codes | Details |
|---|---|
| Code promo HelloSafe | -5% clickable to comparator |
Note: promo codes may change. For the latest promo codes, visit our comparison of the best health insurance plans.
Is TD health insurance accessible to newcomers?
TD health insurance is relevant for newcomers to Canada, including new residents, workers, freelancers, recent retirees, and those who have lost group health insurance. It is particularly designed for people facing a waiting period before accessing public health care (such as through a provincial health plan), those in transition between jobs or retirement, and individuals or families seeking health security not otherwise available through their current situation.
- Medical care: Depending on the plan, coverage includes doctor’s fees, treatments, and hospitalization for accidents or sickness, as well as daily hospital allowances. For example, the Accident Recovery Plan pays up to $100 per day (maximum 365 days) for hospitalization due to a covered accident, while GreenShield Health Assist plans provide coverage for semi-private or private hospital accommodation (e.g., $200–$250/day for up to 30 days per year, depending on the plan).
- Prescribed care: GreenShield Health Assist plans (offered through TD) reimburse prescription drug expenses, with coverage between 70% and 90% and annual limits that can range from $550 up to $20,000 depending on the product and plan tier. Some plans include coverage for chronic conditions and are designed to be portable for those transitioning from group insurance.
- Specialist care: Access to a variety of health specialists including psychologists, physiotherapists, massage therapists, and speech therapists. For instance, plans may cover up to $750 per year per specialist, and often include virtual care and mental health services (e.g., virtual counseling up to 4 hours per year).
- Emergency dental care: Urgent dental care (such as treatment for accidental injury to teeth) is covered under both accident plans and GreenShield health plans, with annual maximums for accidental dental of up to $5,000–$15,000 depending on the plan.
- Medical transportation: Emergency ambulance services are included, along with coverage for emergency medical care during international or out-of-province travel. For example, up to $5 million per year may be available for medical emergencies while traveling, for up to 10–30 days per trip depending on plan choice.
- Incidental fees (hospitalization or death): Some coverage includes accidental death and dismemberment benefits or lump-sum payments for specific covered events (e.g., up to $100,000 for critical accident or illness), plus ancillary costs like medical devices, home care, and hearing aids (with annual or multi-year limits).
The maximum duration of coverage is generally for life as long as health premiums are paid. TD accident, health, and GreenShield Health Assist plans are available for Canadian residents aged 18 to 79 (with exact eligibility depending on the product; accident-only plans may have a lower maximum). Applications require valid provincial or territorial health coverage (e.g., RAMQ in Quebec for drug coverage).
Guaranteed acceptance is available for several entry-level GreenShield plans and for those transitioning out of group insurance (if they apply within 90 days). For international travel, emergency medical care is only covered temporarily (10–30 days per trip), and pre-existing conditions, illegal activity, self-inflicted injuries, or non-necessary care are excluded.
Exclusions and Limitations
Specific exclusions apply, including self-inflicted injuries, drug misuse, participation in criminal acts, and care eligible under public health insurance. For all GreenShield and TD-branded plans, policy wording outlines additional exclusions and reimbursement maximums—review your plan details carefully before enrolling.
Does TD health insurance cover seniors?
TD offers health coverage options for retirees and those leaving a group benefits plan, with programs designed to support continuity of insurance without gaps. For individuals transitioning from group coverage, certain plans (such as Health Assist LINK) guarantee acceptance without a new medical review, provided the application is submitted within 90 days of group plan termination.
- Health Assist LINK plans: Specifically developed for those losing employer benefits due to retirement or job change. Includes prescription drugs, dental, vision, hospital accommodation, emergency travel, and access to specialists and therapists. Acceptance is automatic within 90 days of losing group insurance, including coverage for pre-existing conditions.
- Health Assist ZONE plans: Available to any Canadian resident aged 18 to 79, regardless of employment status. Guaranteed acceptance for basic options (ZONE 1–3), with more comprehensive plans available after a medical assessment. Coverage includes medication, dental, vision, paramedical services, hospital, telemedicine, mental health, and travel.
- Critical Accident Recovery Plan: Lump sum compensation and daily hospital benefit in the event of a major accidental injury. No health questions asked, but not a substitute for hospital/medical insurance.
- Accidental Death Insurance Plan: Provides a lump sum for accidental death, with additional benefits for common carrier incidents. Can be combined with family coverage.
- Critical Illness Recovery Plan: Lump sum benefit on diagnosis of eligible cancers, heart attack or stroke. Some health information required. Coverage starts as soon as approved.
Health Assist LINK Program: Application and Coverage
For the Health Assist LINK program, submit your application within 90 days after your group plan ends to qualify for guaranteed acceptance and immediate continuity of coverage with TD. Lifetime renewal is available as long as you remain a Canadian resident and premiums are paid. Review each option’s coverage outlines and exclusions to identify the most appropriate plan for your needs.
How does reimbursement work with TD?
| Functionality | Availability | Expert Opinion |
|---|---|---|
| Online claim submission | ✅ | Policyholders can quickly submit health and dental claims electronically, speeding up the reimbursement process. |
| Mobile application | ✅ | Provides access to plan details, digital ID cards, and claim submission directly from a smartphone. |
| Client portal for reimbursement tracking | ✅ | Enables users to follow up on claim status, view payment history, and see benefit usage in real time. |
| Reimbursement simulator | ❌ | No tool to pre-calculate out-of-pocket expenses; users must check coverage limits manually. |
| Reimbursement time frame | 48h–72h | Most claims submitted online are processed and reimbursed via direct deposit within two to three business days. |
| Add/remove members without fees | ❌ | Adding or removing dependents can require administrative steps and potential fees depending on the contract. |
| Phone advice from a healthcare provider | ✅ | 24/7 telemedicine and nurse advice allow policyholders to obtain fast, reliable guidance on urgent health issues. |
| Second medical opinion | ✅ | Provides access to medical specialists for review of diagnoses or treatment plans, supporting informed choices. |
| 24/7 travel emergency assistance | ✅ | Direct access to multilingual support for emergencies when travelling, including help with locating nearby care. |
Customer Reviews of TD Health Insurance
Here is a summary of what TD health insurance customers commonly report:
✅ A range of flexible plans allows individuals to choose coverage that fits their particular health and life situation.
✅ Many policyholders value easy access to digital claims, with fast approval and direct deposit for many simple claims.
✅ An option for virtual care and telemedicine is appreciated in the GreenShield-administered plans.
❌ Some users describe difficulties around understanding exclusions and claim eligibility, particularly for more complex claims.
❌ Some clients mention delays in claim assessment and communication with customer service.
❌ There are occasional reports of denied claims on a technicality or for pre-existing conditions that were not clearly explained at enrollment.
Here are some of the reviews left online:
- "I appreciate the online claim system, which made my reimbursement fast and stress-free.", K. Brown, February 4, 2024, Trustpilot.
- "I struggled to get clear answers on whether my treatment would be covered and had my claim rejected unexpectedly.", H. Simard, January 12, 2024, Trustpilot.
How to contact TD health insurance?
| Contact reason | Contact TD |
|---|---|
| 🧾 For a health insurance quote | Call 1-888-788-0839, Monday to Friday 8am–10pm, Saturday 10am–6pm EST. Choose “individual health insurance” in the phone menu. |
| 🧾 For a proof of insurance | Call 1-888-788-0839, Monday to Friday 8am–10pm, Saturday 10am–6pm EST. Ask for “insurance certificate” or “proof of coverage” from the service representative. |
| 🩺 For medical assistance | Call GreenShield Assistance at 1-888-711-1119, 24/7. For emergencies abroad, have your policy number ready and ask for “travel medical assistance.” |
| 🔍 To report a claim or follow up on a reimbursement | Call 1-877-397-4187, Monday to Friday 8am–10pm, Saturday 10am–6pm EST. Select “health and dental claims” in the menu or visit tdinsurance.com/claims online. |
FAQ
Who can subscribe to TD health insurance?
If TD is not a HelloSafe partner, you can subscribe to their health insurance directly through the official TD website. However, it is a good idea to compare various health insurance offers online first—use our health insurance comparison tool to ensure you find the coverage that matches your needs.
Are there any age requirements with TD?
Yes, TD health insurance plans include minimum and maximum age requirements that vary by plan. In general, you must be at least 18, and upper limits can range from 54 to 65 or up to 79 years old, depending on the specific coverage. Always check the exact eligibility based on the plan you are interested in.
Is it possible to add or remove insured members with TD?
You can add eligible family members, such as a spouse or dependent children, to your TD health plan. This is typically possible when first subscribing or during qualifying life events like marriage, birth, or if your family situation changes.
How do TD health plans work if I have a pre-existing condition?
Some TD-offered GreenShield plans (such as ZONE 1-3, Fundamental, and LINK) provide guaranteed acceptance and may cover individuals with pre-existing conditions. For other plans, medical questions may apply, and some exclusions or limitations might be enforced for existing health issues.
Can I keep my TD health insurance policy if I move to another province or retire?
Yes, TD individual health insurance policies are portable within Canada, as long as you maintain valid provincial health coverage. Retirement or a move to another province does not automatically terminate your coverage; simply inform TD to update your contact details and provincial health information.
How do I submit a claim with TD health insurance?
You can submit a claim online, by phone, or by mail. TD provides downloadable claim forms and guidance on their website, and their customer service team can help if you need support with documentation or claim process steps. Electronic submissions generally result in faster reimbursement.
Who can subscribe to TD health insurance?
If TD is not a HelloSafe partner, you can subscribe to their health insurance directly through the official TD website. However, it is a good idea to compare various health insurance offers online first—use our health insurance comparison tool to ensure you find the coverage that matches your needs.
Are there any age requirements with TD?
Yes, TD health insurance plans include minimum and maximum age requirements that vary by plan. In general, you must be at least 18, and upper limits can range from 54 to 65 or up to 79 years old, depending on the specific coverage. Always check the exact eligibility based on the plan you are interested in.
Is it possible to add or remove insured members with TD?
You can add eligible family members, such as a spouse or dependent children, to your TD health plan. This is typically possible when first subscribing or during qualifying life events like marriage, birth, or if your family situation changes.
How do TD health plans work if I have a pre-existing condition?
Some TD-offered GreenShield plans (such as ZONE 1-3, Fundamental, and LINK) provide guaranteed acceptance and may cover individuals with pre-existing conditions. For other plans, medical questions may apply, and some exclusions or limitations might be enforced for existing health issues.
Can I keep my TD health insurance policy if I move to another province or retire?
Yes, TD individual health insurance policies are portable within Canada, as long as you maintain valid provincial health coverage. Retirement or a move to another province does not automatically terminate your coverage; simply inform TD to update your contact details and provincial health information.
How do I submit a claim with TD health insurance?
You can submit a claim online, by phone, or by mail. TD provides downloadable claim forms and guidance on their website, and their customer service team can help if you need support with documentation or claim process steps. Electronic submissions generally result in faster reimbursement.
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