TD Travel Insurance Review 2024

While travel insurance may not be mandatory for all destinations, it is nonetheless crucial. It protects you against all the uncertainties during a trip (cancellation, loss of luggage, theft, accident, illness...) and their financial consequences. TD Travel Insurance offers solutions for these needs.

So, how good is TD travel insurance? What coverages are offered? Do you get COVID coverage, for example? What does TD travel insurance cost? What are its pros and cons? We answer all these questions and more in this detailed article.

Our TD Travel Insurance Canada Review

TD offers four main travel insurance plans: Multi-Trip All-Inclusive, Single-Trip Medical, Multi-Trip Medical, and Trip cancellation and interruption insurance. The coverage for emergency medical expenses is particularly generous, up to $5,000,000 with no deductible, which aligns with many competitors like CAA and Blue Cross Travel Insurance.

The plans also include protection for couples and families, making it a flexible option suited to various travel situations. Trips of up to 182 days are covered, providing great flexibility for frequent travellers or those on long stays.

TD travel insurance allows for online quotes. Additionally, the emergency assistance service is available 24/7, ensuring peace of mind during international trips. Compared to other insurers like Manulife, which may offer higher limits for certain coverages, TD insurance stands out for its simplicity and no-deductible coverage.

In summary, TD Travel Insurance offers comprehensive and convenient coverage, perfectly suited for the needs of families and regular travellers. However, we advise you to compare offers. You can use our free tool below to compare travel insurance quotes online to get the best deal.

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What Does TD Travel Insurance Cover?

Here is a table of the different travel insurance plans offered by TD.

Plans	Multi-Trip All-Inclusive Plan	Single-Trip Medical Plan	Multi-Trip Medical Plan	Trip Cancellation & Interruption Plan
Plan Type	Annual Plan	Single-Trip Plan	Annual Plan	Single-Trip Plan
Annual Plan Maximum Trip Duration	22, 30 or 60 days	N/A	4, 9, 16 or 30 days	N/A
Emergency Travel Medical
Trip Cancellation & Interruption
Baggage & Personal Effects
Baggage Delay
Accidental Death & Dismemberment Flight Accident
Accidental Death & Dismemberment Common Carrier Accident

TD offers different travel insurance plans tailored to your traveller profile, destination, or the duration of your trip. Below are the details of the various travel insurance plans offered by TD:

Multi-Trip All-Inclusive Plan

• Emergency Travel Medical: Up to $5 million per insured person, per trip.
• Trip Cancellation: Up to $2,500 per insured person or up to $5,000 maximum per family for each annual period of coverage.
• Trip Interruption: Up to $5,000 per insured person, per covered trip.
• Accidental Death and Dismemberment - Flight Accident: Up to $200,000 per insured person, up to $1 million for each annual period of coverage.
• Accidental Death and Dismemberment - Common Carrier Accident: Up to $100,000 per insured person, up to $500,000 for each annual period of coverage.
• Baggage and Personal Effects: Up to $1,000 per trip, up to $2,000 for each annual period of coverage.
• Baggage Delay: Up to $400 per trip, up to $800 for each annual period of coverage.

Single-Trip Medical Plan: TD Travel Medical Insurance

• Emergency Travel Medical: Up to $5 million per insured person, per trip.
• Additional Medical Benefits: Various coverage amounts for hospital accommodation, physician fees, diagnostic services, paramedical services, prescription drugs, and more.

Multi-Trip Medical Plan: TD Travel Medical Insurance

• Emergency Travel Medical: Similar to the Single-Trip Medical Plan with coverage up to $5 million per insured person, per trip.
• Annual Plan Options: Various durations of coverage (22, 30, or 60 consecutive days).

Trip Cancellation & Interruption Plan

• Trip Cancellation: Covers costs up to the amount insured for non-refundable and non-transferable travel arrangements due to specific insured risks.
• Trip Interruption: Up to $5,000 per insured person for each covered trip for costs related to returning home earlier or later than planned, missed portions of trips, and associated travel costs.

For detailed information on TD travel insurance coverage, download the informational brochure below:

Is COVID Covered by TD Travel Insurance?

Yes, Emergency medical expenses due to COVID-19 are covered if you are infected while travelling, provided you did not travel against government advisories.

You are not eligible for TD trip cancellation or interruption insurance related to COVID-19 if you:

• Book a trip after a travel advisory "Avoid all non-essential travel" or "Avoid all travel" has been issued for your destination by the Government of Canada.
• Purchased TD trip cancellation and interruption insurance after such a travel advisory has been issued for your destination.

Do TD Credit Cards Offer Travel Benefits?

Yes, TD credit cards offer travel rewards, varying in significance depending on the card. Here are the concerned cards:

• Visa Infinite* TD Aeroplan
• Visa Platinum TD Aeroplan
• Visa Infinite Privilege TD Aeroplan
• Visa Business TD Aeroplan
• Visa Infinite TD First Class Travel
• TD Platinum Travel Visa
• TD Business Travel Visa
• TD Rewards Visa
• TD Cash Back Visa Infinite
• TD Cash Back Visa

For Example: The Visa Infinite TD First Class card can cover your trip with trip cancellation insurance up to $1,500 and trip interruption insurance up to $5,000, in addition to medical insurance up to $5,000,000.

TD Visa Infinite Travel Insurance

TD Visa Infinite travel insurance includes a variety of coverages that provide comprehensive protection for travellers. The specifics can vary slightly depending on the exact card you have. For instance, the TD Aeroplan Visa Infinite Travel Insurance might be slightly different from the TD First Class Travel Insurance Coverage. Here are the key benefits of TD Visa Infinite travel insurance common to the above-mentioned cards:

• Emergency Medical Insurance: Up to $2,000,000 in coverage for medical emergencies during the first 21 days of a trip (4 days for those 65 and older).
• Trip Cancellation/Interruption Insurance: Up to $1,500 per person for cancellations, and up to $5,000 per person for interruptions.
• Delayed and Lost Baggage Insurance: Up to $1,000 per person for essentials if baggage is lost or delayed for over 6 hours.
• Flight/Trip Delay Insurance: Up to $500 per person for expenses due to delays over 4 hours.
• Auto Rental Collision/Loss Damage Insurance: Coverage for rental car damage or theft for up to 48 consecutive days.

How much is TD Travel Insurance in 2024?

The price of travel insurance depends on many criteria:

• Traveler profiles (student, snowbird travel insurance, expatriates, family, etc.).
• Age.
• Chosen destination.
• Type of travel insurance desired (annual, single).
• Options added to the contract (cancellation, travel insurance, and COVID-19, etc.).
• Duration of coverage.

Below is an overview of TD travel insurance prices for different traveller profiles:

Profile	TD Travel Insurance Price
Medical insurance for a 22-year-old traveller to Cancun	$39
Trip cancellation and interruption insurance for a 22-year-old traveller to Cancun	$58
Annual insurance with emergency medical for a 50-year-old traveller	$109

We advise you to compare travel insurance options to get the best deal. You can use our free tool below to compare plans from the best travel insurance companies online and get instant results.

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How to file a travel insurance claim with TD?

To make a travel insurance claim with TD, you have several options:

• Online through TD's travel insurance claims portal
• By phone: 1-800-359-6704 (North America) ; 416-977-5040 (Worldwide)
• If you prefer to send paper documents, please send them to the following address:
  
  Global Excel Management Inc. 73
  Queen Street Sherbrooke,
  Quebec J1M 0C9

TD travel insurance claim form

How to Cancel TD Travel Insurance?

You can cancel your TD travel insurance by various means:

• By calling the TD travel insurance phone number: Calling 1-800-293-4941
• By postal mail: Send a written request or submit the cancellation notice no later than 10 days from the date you purchase your certificate.

Single or Annual Travel Insurance: What Should I Take?

With TD, you can subscribe to:

• Single trip insurance for a limited time.
• Annual travel insurance to be covered for multiple trips over one year.

TD's annual multi-trip insurance can be very practical if you travel often. You subscribe to a single travel insurance contract for the whole year and are covered for an unlimited number of trips, provided you respect the maximum number of days allowed per trip.

Note If you subscribe to annual travel insurance, you are covered for a limited number of days per trip only! However, it is possible to be covered for more days per trip by paying an additional fee to your insurer.

Contact: How to Reach TD?

You can contact TD at the following coordinates:

Purpose	Contact Number	Availability
24/7 Emergency Assistance	1-833-962-1140 (Canada and the U.S., tollfree) 1-519-988-7629 (worldwide, collect)	24/7 24/7
Quotes, Policy Purchase, General Inquiries	1-833-962-1143	Mon-Fri 8 am to 8 pm ET Saturday 9 am to 5 pm ET
Claims	1-833-962-1140	24/7

How is TD travel insurance for seniors?

TD travel insurance does not offer plans especially for seniors but its plans are tailored to ensure that seniors are well-protected against potential medical and travel-related issues.

• Emergency Medical Coverage: Seniors can receive up to $5,000,000 in coverage for eligible medical expenses, though the coverage duration may be shorter for those over 65 years of age.
• Medical Questionnaire Requirement: Seniors aged 60 and above are required to complete a medical questionnaire to assess eligibility and specific coverage needs.
• Multi-Trip Plans: Seniors can choose the length of coverage for each trip, typically up to 22 or 30 consecutive days, which is beneficial for frequent travellers or snowbirds.
• Additional Benefits: Includes coverage for trip cancellations, trip interruptions, baggage loss, and delays, providing comprehensive protection during travel.