What does the insurance of my Visa Us Dollars TD card cover?

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Victor
Victor
Credit card insurance expert @Hellosafe
The TD U.S. Dollar Visa Card* offers practical insurance benefits, primarily focused on Auto Rental Collision/Loss Damage Insurance and essential purchase protections. While it lacks comprehensive travel-related benefits like medical coverage or trip interruption insurance, its coverage for car rentals and purchases makes it a reliable option for cardholders who frequently travel within the United States.
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For travel, the card includes Delayed and Lost Baggage Insurance, reimbursing up to $1,000 CAD per insured trip when baggage is delayed by more than 6 hours or lost. However, the card does not include benefits such as emergency medical coverage, trip cancellation, or flight delay insurance, which limits its suitability for cardholders seeking full travel protections.
For winter sports enthusiasts, there are no specific coverages for activities like skiing or snowboarding.
The card includes Auto Rental Collision/Loss Damage Insurance, which covers theft, damage, or loss of eligible rental vehicles for rental periods of up to 48 consecutive days. This protection applies to vehicles with a Manufacturer’s Suggested Retail Price (MSRP) of up to $65,000 CAD and requires that cardholders decline the rental agency’s collision damage waiver (CDW) and charge the full rental cost to their card. This benefit ensures significant savings for frequent renters while providing peace of mind during trips.

Travel Insurance Card Visa Us Dollars TD

Before the trip
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During the trip
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On site
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Car Rental Insurance Card Visa Us Dollars TD

Rental car
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Content Insurance Card Visa Us Dollars TD

Content
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FAQ - TD Visa Us Dollars

faq

How can I contact customer support?

For insurance inquiries related to the TD U.S. Dollar Visa Card, please contact the TD Insurance Administrator at 1-866-374-1129 (Canada/U.S.) or 1-416-977-4425 collect from outside Canada.

How do I report a claim?

To report a claim, contact the TD Insurance Administrator immediately at 1-866-374-1129 (Canada/U.S.) or 1-416-977-4425 collect from outside Canada. Submit all required documentation within 90 days of the incident.

Who is insured?

The insured individuals include the Primary Cardholder, their spouse, and dependent children under 22 years old (or under 26 if attending full-time studies), provided the account is in good standing.

How can I obtain an insurance certificate?

To obtain an insurance certificate, please contact the TD Insurance Administrator at 1-866-374-1129 for assistance.

For which sports activities am I not insured?

Exclusions include pre-existing medical conditions, high-risk activities like skydiving, mountaineering, and alcohol or drug misuse. Additionally, coverage does not apply for incidents resulting from war, fraud, or criminal acts.

From when am I covered, and for how long?

Coverage begins on the departure date from your province of residence and applies for trips up to 15 consecutive days.

In which countries am I covered? Am I covered worldwide?

Yes, coverage applies worldwide as long as you meet the policy eligibility requirements and pay for eligible expenses with your TD U.S. Dollar Visa Card.

To benefit from the coverage, does the trip need to be paid in full with the card?

Yes, at least 75% of the eligible expenses must be charged to your TD U.S. Dollar Visa Card prior to the incident to qualify for coverage.

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