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TD Insurance Travel Insurance Review 2024

Updated: Feb 28, 2024, 7:38am

Fact Checked

If you travel a few times a year, the all inclusive multi-trip plan offered by TD Insurance might be worth a look due to its comprehensive coverage and higher limits than the single trip plans. And while these can be great options for some travellers, it’s worth noting that the plans offered by TD Insurance are pricier than other options—especially for travellers aged 60 and over.

• Flexible plan options
• Comprehensive multi-trip coverage
• Robust 24/7 emergency support
• Lower coverage limits than other plans
• Medical questionnaire required at age 60
• No CFAR (Cancel For Any Reason) coverage

Table of Contents

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TD Insurance is part of the TD Bank Group (TD) and offers insurance in two sectors: General insurance (including travel insurance) and life and health insurance. TD is the fifth largest bank in North America by assets and serves over 27 million customers.

TD Travel Medical Insurance is underwritten by TD Life Insurance Company. TD Trip Cancellation and Trip Interruption Insurance is underwritten by TD Life Insurance Company (medical covered causes) and TD Home and Auto Insurance Company (non-medical covered causes). Global Excel Management Inc. provides claims and assistance services.

Related: TD Bank Travel Insurance Review

Here are the key types of travel insurance coverage offered by TD Insurance:

• Emergency medical insurance: If you get ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the coverage limits in your plan. These expenses can include doctor and hospital bills, medication and lab work.
• Trip cancellation insurance: If you cancel a trip for a reason listed in your travel policy before departure, trip cancellation insurance can reimburse you for prepaid, non-refundable costs. Some of the covered causes include if you or your travelling companion gets sick, your airline goes on strike or you lose your job.
• Travel interruption insurance: Trip interruption insurance, which kicks in after you leave home, can pay for a last-minute flight home in an emergency and money that you lose by cutting a trip short, such as non-refundable activities and hotel stays. It may also cover expenses if your return is delayed to a medical emergency or if your flight is cancelled due to weather, an accident or your plane’s mechanical failure.
• Baggage insurance: Baggage travel insurance compensates you up to your policy limits if your luggage is lost or stolen. It will reimburse the depreciated value of your suitcases and what you packed. If your bags are delayed, it can reimburse you for the cost of the necessities you’ll have to buy to tide you over. It also extends to your personal belongings, if lost, damaged or stolen.
• Travel accident insurance. This coverage offers compensation in the event of accidental death or dismemberment from an accident during your trip. Flight Accident Insurance covers injury while you’re on a commercial plane, during a connection or in an airport. Travel Accident Insurance covers death or dismemberment, including the loss of limbs or eyesight, while on your trip.

TD Insurance offers two single-trip insurance plans for trips outside of Canada: The Medical Plan and the Trip Cancellation and Interruption Plan. You can buy one or both plans within a single policy. There are three coverage options available: Single coverage, couple coverage and family coverage. There’s also two multi-trip insurance options: The Multi-Trip All-Inclusive Plan that offers both medical and trip insurance for multiple trips within one year and the Multi-Trip Medical Plan for medical-only coverage for multiple trips within one year.

Medical: This coverage offers financial protection if you are injured or become unexpectedly ill while travelling outside of Canada.

Emergency medical treatment includes:

• Hospital accommodation up to semi-private room
• Physicians’ fees
• Private duty nursing
• Diagnostic services including MRI, CAT scan, sonogram, ultrasound and biopsies
• Ambulance (ground and air)
• Professional fees for paramedical treatment by a chiropractor, physiotherapist, chiropodist, podiatrist, osteopath
• Medical appliances including casts, splints, trusses, braces, crutches or the rental of a wheelchair
• Prescription drugs as a result of an emergency (limited to 30-day supply, unless you are hospitalized)
• Emergency dental treatment due to a blow to the face
• Emergency dental treatment due to illness, excluding roots canals or crowns
• Hospital allowance for long distance calls, TV rental when hospitalized for at least 48 hours
• Meals and accommodation due to delayed return because of an emergency

It’s important to note many treatments require prior approval to be eligible for reimbursement.

Trip Cancellation and Trip Interruption: Trip cancellation offers financial protection if unexpected events happen before you leave on your trip and you have to cancel your plans. Trip interruption kicks in once you’re on your trip and covers interruptions due to medical emergencies, a change in travel advisories, delays in return due to weather or cancelled flights due to mechanical issues, for example.

We’ve highlighted key benefits of TD Insurance travel insurance to help you identify which plan is the best fit for you. For a single-trip plan, you can select one or both coverage options within one policy. If you travel more than once a year, the Multi-Trip All-Inclusive plan offers higher levels of coverage.

The price of a TD Insurance travel insurance plan depends on factors such as the cost of your trip, your age and the amount of coverage you choose.

Here are some examples of the cost for TD Insurance travel insurance single trip plans for healthy travellers based in Ontario.

CAA Travel Insurance

Emergency medical: $5 million Cancel For Any Reason: Yes, 50% to 75% Baggage insurance (maximum): $1,500

Related: CAA Travel Insurance Review

Manulife Financial

Emergency medical: $10 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000

Related: Manulife Financial CoverMe Travel Insurance Review

Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $1,500

Related: Blue Cross Travel Insurance Review

TD Insurance does not offer any optional riders or add-ons.

When getting a quote for TD Travel Insurance, answering yes to any of these options will give you a discounted premium:

• I’m a TD Insurance Home and/or Auto customer
• I’m a TD employee or retiree
• I’m a member of a professional association or university or college that has a partnership with TD Insurance

Yes. You can save money by buying multi-trip insurance if you travel more than once a year for multiple individual trips. TD Insurance offers a Multi-Trip All-Inclusive Plan for 22, 30 or 60 days (maximum 22 or 30 days for you are 60 years and older) and a Multi-Trip Medical Plan for four, nine, 16 or 30 days (maximum four, nine or 16 days if you are 80 years and older).

Here’s how the prices between single trip and multi-trip insurance compare for a 16-day maximum trip length for the medical plan and 60 days for the all-inclusive plan (except for the couple, age 65, that can only purchase a trip maximum of 30 days):

Emergency Assistance is available 24/7, 365 days of the year via Global Excel, TD’s claims and assistance partner. Support includes:

• Referrals to the closest hospital, clinic or physician
• Information about your benefits and the eligibility of your claim(s)
• Case management, including monitoring the services given in response to an emergency as well as repatriation back to Canada for further treatment
• Urgent message relay to your travelling companion and family with medical updates
• Connection with a foreign language interpreter
• Assistance in replacing lost or stolen travel documents and recovering misdirected luggage

When you call, you’ll need to provide your name, policy number, your location and the nature of your emergency.

If you don’t contact Global Excel before receiving medical treatment, you may be limited to reimbursement of 80% of eligible medical expenses, to a maximum of $25,000.

TD Insurance will not pay for expenses that arise from a pre-existing medical condition that is not stable at the time you leave for your trip. For a condition to be considered stable, all of the following conditions must be met:

• There has been no new diagnosis, treatment or prescribed medication.
• There has been no change in treatment or change in medication, including the amount of medication to be taken, how often it is taken, the type of medication or change in treatment frequency or type. Exceptions include 1) the routine adjustment of coumadin, warfarin, insulin or oral medication to control diabetes, as long as medication is not newly prescribed or stopped, and 2) a change from a brand name to a generic brand, as long as the dosage is not modified.
• There has been no new symptom, more frequent symptoms or more severe symptoms.
• There have been no test results showing deterioration.
• There has been no hospitalization or referral to a specialist (made or recommended) and you are not awaiting results and/or further investigations for that medical condition.

The time period within which your medical condition must be stable is either 90 days or 365 days and depends on your age.

There are a number of scenarios not covered by travel insurance and it’s critical to know what not to do before you make a claim only to be told you’re on the hook for all associated costs. The following are some of the most common issues or items not covered by TD Insurance:

• Any sickness, injury or medical condition that was not stable before departure
• A claim related to an illegal or criminal act
• Participation in or voluntary exposure to war, riot, rebellion, revolution, etc.
• Abuse of alcohol, drugs or intoxicants, as well as symptoms of withdrawal or overdose
• An accident while being impaired
• Suicide or intentional self-inflicted injury
• Radiotherapy or chemotherapy
• Claims related to pregnancy, delivery or complications of either in the nine weeks before or after your expected date of delivery
• Any child born on the trip
• Non-emergency, experimental or elective treatment, including cosmetic surgery, chronic care and rehabilitation
• General health exams, treatment of an ongoing condition or chronic conditions, investigative testing, drug or alcohol rehabilitation or treatment
• Non-compliance to prescribed medical treatment
• Sports and high-risk activities, including scuba diving (unless you have a basic scuba certification), hang-gliding, rock climbing, paragliding, skydiving, parachuting, bungee jumping, mountain climbing with ropes, rodeo, heli-skiing, downhill skiing or snowboarding outside marked trails, ski racing, or any cycling racing event
• Participation in any sport for which you are paid or any sport where the winners are awarded cash prizes
• Participating in a motorized events or motorized speed contests
• Purchase or replaced of hearing aids, eyeglasses, prosthetic teeth or limbs due to loss or damage
• Cataract surgery
• Replacing an existing prescription
• Loss during an “Avoid all travel” or “Avoid all non-essential travel” travel advisory
• Loss or damage from moths, vermin, deterioration or wear and tear
• Loss or damage by theft from an unlocked vehicle
• Jewellery, cameras, camera equipment and sports equipment while held by a common carrier, defined as a bus, taxi, train, boat, airplane or other vehicle
• Money, credit cards, securities, tickets, documents, paintings, china, glass objects or art objects

There are several factors that can make you ineligible for travel insurance. For example:

• You must be a Canadian resident and be covered by your provincial health plan for the duration of your trip.
• You must be 15 days or older.
• You must not be travelling against the advice of a physician.
• You must not have been diagnosed with a terminal illness or metastatic cancer.
• You must not have kidney disease requiring dialysis.
• You must not have been prescribed or used home oxygen during the 12 months prior to your date of application.

You can submit a claim online via the TD Insurance website. There you can start your claim, upload your required documents and track your claim status.

You will also need to provide documentation to substantiate your claim, such as:

• Original itemized bills from the medical providers stating the patient’s name, diagnosis, all dates and types of treatment, and the name of the medical facility and/or physician
• For prescription drugs, the original prescription drug receipts from the pharmacist, physician or hospital, indicating the name of the prescribing physician, prescription number, name of preparation, date, quantity and total cost.
• For out-of-pocket expenses, an explanation of expenses accompanied by original receipts
• A loss report from the police, hotel manager or tour guide
• Original unused travel tickets and vouchers
• Written evidence of the covered caused of cancellation, interruption or delay

You must report your claim and provide supporting documentation no later than 90 days after the date of the incident to be eligible for reimbursement.

TD Insurance Travel Insurance FAQs

Does td insurance travel insurance pay for medical costs upfront.

According to the policy wording, “wherever possible we [TD Insurance] will instruct the hospital or clinic to bill Global Excel directly.” There is also a note that with a referral to a local clinic or hospital, it is less likely that you will have to pay for services out of pocket.

Does TD Insurance offer travel insurance coverage extensions?

Yes. Your coverage is automatically extended for 72 hours starting on the final day of your trip due to a carrier delay that causes you to miss your return home, if the vehicle you’re travelling in has an accident or mechanical breakdown, if inclement weather causes a delay or you or your travelling companion becomes ill . If you are hospitalized, your coverage is automatically extended for the time of your hospitalization and 72 hours after discharge.

You can also request an extension if you want to stay longer provided you apply before the expiry date of your policy and you haven’t made any claims, you’re not currently seeking treatment or your health hasn’t changed. If you have made a claim, it may still be possible to get an extension as long as you remain eligible for coverage, your policy hasn’t already expired and you contact TD Insurance during business hours and pay the premium before expiration.

Does TD Insurance travel insurance require a medical questionnaire?

Yes. Travellers over age 60 must complete a health questionnaire that asks questions regarding your health history, such as if you’ve had heart bypass surgery or heart angioplasty more than 12 years ago, if you’ve had a bone marrow transplant or organ transplant, or if you’ve been diagnosed with or treated for an aneurysm. It also asks if you’ve smoked, vaped or used marijuana in the past five years, if you’ve been diagnosed with or treated for diabetes, stroke, lung conditions, cancer or dementia in the past five years, or Chrohn’s disease, gastrointestinal bleeding, liver disease, kidney disease, gallbladder disease or pancreatitis in the past two years, if you’ve been diagnosed or treated for high blood pressure or high cholesterol in the past 12 months, and if you’ve had a regular checkup in the past 24 months. Your answers to these questions will either deem you ineligible for coverage or assign you a higher premium rate.

Does TD Insurance travel insurance have any age restrictions?

You must be a minimum of 15 days old to have travel insurance. Travellers over age 60 are not eligible for couples or family coverage. The maximum number of trip days for the multi-trip insurance is 16 days for travellers over the age of 80.

When does my coverage with TD Insurance begin?

If you purchase cancellation coverage, it begins the day you buy your policy and ends the day when you make a claim or leave on your trip. Your interruption and delay coverage begins when you leave home.

Can I get a refund with TD Insurance?

The single trip medical plan is fully refundable if you cancel before the effective date, which is your scheduled departure date. Proof of non-departure is required to process the request. If you return home early, you can request a partial prorated refund of your premium (less a $15 administration fee) as long as there was no claim made on the policy.

Does TD Insurance offer a free look period?

Yes. TD Insurance offers a 10-day “Right To Examine” period where you can review and cancel your policy within 10 days of purchase if you have not already left for your trip and there is no claim in progress.

Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

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Help protect your next trip with the TD Insurance Single-Trip Medical Plan

Up to $5 million in emergency travel medical coverage for your covered trip.

TD Insurance Single-Trip Medical Plan

This plan could be right for you if you're looking to apply for coverage for one trip with up to $5 million for eligible emergency medical expenses while travelling outside of your province or territory of residence.

Coverage Highlights

Eligibility

You must meet the following conditions to be eligible to apply for this insurance:

• You are a Canadian resident.
• You are covered by the government health insurance plan of your province or territory of residence for the entire duration of your trip and at the time a claim is incurred.
• The minimum age of coverage for anyone on your policy, including a spouse or dependent child(ren), 1  is 15 days old. There is no maximum age limit for you or your spouse.
• Applicants 60 years of age and older will need to fill out a medical questionnaire.
• There are medical conditions that could make you ineligible for coverage under this plan 2 .

Exclusions and Limitations

It’s important to know that benefits will only be paid for eligible expenses and only up to the maximum amount. A complete list of exclusions that apply to your plan will appear in your policy, but here are some examples.

• Pre-existing medical conditions. 3
• Travelling against the advice of a physician.
• Expenses not pre-approved by our administrator may be limited or excluded.
• Abuse of alcohol, drug or toxic substances.
• Self-inflicted injuries
• Travel to destinations under a travel advisory by the Canadian government.
• Noncompliance with any medically prescribed medical therapy or treatment.
• The birth of any child during your trip.

Refer to the  Sample Policy  for a full description of eligibility requirements, defined terms, benefits, limitations and exclusions.

This plan can provide you with a lot of value

The Single-Trip Medical Plan provides coverage if you are an occasional traveler looking to apply for insurance for a single trip. If you decide to purchase this plan with your travelling companion, under our couple coverage 4 , or with your spouse and dependent children, under our family coverage 1 , it could be a cost-effective option.

Submit a travel insurance claim

Start the claims process by visiting our  Online Claims Portal.

Let’s connect

Our administrator is ready to answer your questions and help you on your way.

• For 24/7 emergency assistance:  1-833-962-1140  (Canada and the U.S., toll free) or  +1-519-988-7629  (worldwide, collect)
• For quotes, to purchase a policy or any general inquiries:  1-833-962-1143 Mon-Fri 8am-9pm ET Sat 9am-5pm ET
• For claims:  1-833-962-1140

Explore more TD Insurance Travel Insurance plans

Looking for more options? We offer a range of travel insurance plans.

TD Insurance Single-Trip Medical Plan is administered by Global Excel Management Inc. and its subsidiary, CanAm Insurance Services (2018) Ltd. TD Insurance Single-Trip Medical Plan is an individual plan underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services are provided by the administrator described in the insurance policies. Coverages and benefits are subject to eligibility conditions, limitations, and exclusions, including pre-existing medical condition exclusions. Please refer to the Sample Policy for full details. 1. Family Coverage is available on the TD Insurance Single-Trip Medical Plan for you, your Spouse and unmarried Dependent Child(ren) if you name them in your application. Spouse means the person to whom you are legally married to; or the person you have lived for at least 1 year and publicly refers to as your domestic partner. Dependent Child(ren) means your natural, adopted, or step-children who are: a) unmarried; and b) dependent on you for financial maintenance and support; and i. under 22 years of age, or ii. under 26 years of age and attending an institution of higher learning, full-time, in Canada; or iii. mentally or physically handicapped. Your Dependent Child(ren) must be travelling with you or your spouse. Family Coverage is not available when a medical questionnaire is required for any of the travellers. If any of the travellers do not meet these criteria, that traveller will need to complete a separate application for their own policy. Up to 6 travellers including yourself are permitted to be under a policy through our online application. To purchase additional coverage for groups of more than 6 people, please call our administrator at  1-833-962-1143 . 2. You must NOT be travelling against the advice of a physician or have been diagnosed with a terminal illness or metastatic cancer; you must NOT have a kidney disease requiring dialysis; and you must NOT have been prescribed or used home oxygen during the 12 months prior to your date of application. 3. This insurance may not cover claims related to Pre-existing medical conditions. Pre-existing medical condition means any sickness, injury or medical condition (other than a minor ailment) that was not stable during the time period specified in the policy. Refer to the Sample Policy to determine how this exclusion may affect your coverage. 4. Couple Coverage is available on the TD Insurance Single-Trip Medical Plan for you and your Travelling Companion if you name them in your application. A maximum of 2 travellers including yourself can be under a policy with Couple Coverage. Travelling Companion means any person who travels with you during the Covered Trip and who is sharing transportation and/or accommodation with you. Couple Coverage is not available when a medical questionnaire is required for any of the travellers. If any of the travellers do not meet these criteria, that traveller will need to complete a separate application for their own policy by calling our administrator at  1-833-962-1143 . Mailing Address: TD Life Insurance Company P.O. Box 1 TD Centre Toronto, Ontario M5K 1A2

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Is It Safe in Moscow?

Stanislav Solntsev / Getty Images

When you visit Moscow , Russia, you’re seeing one of the world’s largest, and most expensive, capital cities . While there is a history of violent crime against foreign journalists and aid personnel in Russia, a trip to Moscow is usually safe for mainstream travelers. Most tourists in Moscow only face potential issues with petty crime, though terrorism is also a concern. Visitors should stick to the principal tourist areas and abide by the local security advice.

Travel Advisories

• The U.S. Department of State urges travelers to avoid travel to Russia because of COVID-19 and to "exercise increased caution due to terrorism, harassment, and the arbitrary enforcement of local laws."  
• Anyone exploring more of Russia should avoid "The North Caucasus, including Chechnya and Mount Elbrus, due to terrorism, kidnapping,   and   risk of civil unrest." Also, travelers should stay away from "Crimea due to Russia’s occupation of the Ukrainian territory   and   abuses by its occupying authorities."  
• Canada states travelers should use a high degree of caution in Russia due to the threat of terrorism and crime.  

Is Moscow Dangerous?

The Moscow city center is typically safe. In general, the closer you are to the Kremlin , the better. Travelers mainly need to be aware of their surroundings and look out for petty crime. Be especially careful in tourist areas such as Arbat Street and crowded places like the Moscow Metro transit system. The suburbs are also generally fine, though it is advised to stay away from Maryino and Perovo districts.

Terrorism has occurred in the Moscow area, leading authorities to increase security measures. Be more careful at tourist and transportation hubs, places of worship, government buildings, schools, airports, crowds, open markets, and additional tourist sites.

Pickpockets and purse snatching happen often in Russia, perpetrated by groups of children and teenagers who distract tourists to get their wallets and credit cards. Beware of people asking you for help, who then trick you into their scheme. Don’t expect a backpack to be a safe bag bet; instead, invest in something that you can clutch close to your body or purchase a money belt . Always diversify, storing some money in a separate location so that if you are pickpocketed, you'll have cash elsewhere. Keep an eye out for thieves in public transportation, underground walkways, tourist spots, restaurants, hotel rooms and homes, restaurants, and markets.

Is Moscow Safe for Solo Travelers?

Large cities like Moscow in Russia are overall fairly safe if you are traveling alone, and the Moscow Metro public transit is a secure and easy way to get around. But it is still a good idea to follow basic precautions as in any destination. Avoid exploring alone at night, especially in bad areas. You may want to learn some basic Russian phrases or bring a dictionary, as many locals don't speak English. However, in case you need any help, there are tourist police that speak English. Also, exploring with other trusted travelers and locals or on professional tours is often a good way to feel safe.

Is Moscow Safe for Female Travelers?

Catcalling and street harassment are infrequent in Moscow and the rest of Russia and females traveling alone don't usually have problems. There are plenty of police officers on the streets as well. Still, it serves to stick to Moscow's well-lit, public areas, avoid solo night walks, and use your instincts. Women frequenting bars may take receive some friendly attention. Females can wear whatever they want, but those entering Orthodox churches will be required to cover up. Though women in Russia are independent, domestic violence and other inequality issues take place regularly.

Safety Tips for LGBTQ+ Travelers

Russia is not known as a gay-friendly country. However, Moscow is one of the more welcoming cities with a blooming LGBTQ+ community and many friendly restaurants, bars, clubs, and other venues. Hate crimes in Russia have increased since the 2013 anti-gay propaganda law. Openly LGBTQ+ tourists in this conservative country may experience homophobic remarks, discrimination, or even violence, especially if traveling with a partner. Also, while women hold hands or hug publicly—whether romantically involved or not—men should avoid public displays of affection to prevent being insulted or other issues.

Safety Tips for BIPOC Travelers

Moscow  and other big cities in Russia have sizable populations of various cultures, so discrimination against BIPOC travelers is rarer than in other parts of the country where it can become dangerous. Some people living in Russia who are Black, Asian, Jewish, and from other backgrounds have experienced racial discrimination and violence. Tourists won't usually experience overt racism but may be the recipients of some stares. If anyone should bother you, be polite and resist being taunted into physically defending yourself.

Safety Tips for Travelers

Travelers should consider the following general tips when visiting:

• It's best not to drink the tap water. If you do, boil it before drinking, though showering is safe and the amount used to brush teeth is generally not harmful. Mineral water is widely drunk, especially at restaurants, and if you prefer not to have it carbonated ask for “ voda byez gaz” (water without gas).
• If you need emergency assistance in case of fire, terrorism, medical issues, or more, dial 112 in Russia for bilingual operators.
• Be judicious about taking photographs, especially of police or officials. This can potentially bring unwanted attention to yourself by members of law enforcement who won’t mind asking to see your passport. Also avoid snapping photos of official-looking buildings, such as embassies and government headquarters.
• Carry your passport in as secure a manner as possible. If you get stopped for any reason by the police, they can fine or arrest you if you don't have the document with you. Also, keep photocopies of your passport, the page on which your travel visa appears, and any other documents that relate to your stay in Russia.
• Use official taxis only and steer clear of illegal taxi companies, especially at night. Ask your hotel to call a reputable taxi company.

U.S. Department of State. " Russia Travel Advisory ." August 6, 2020.

Government of Canada. " Official Global Travel Advisories ." November 19, 2020.

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Moscow-City: 7 surprising facts about the Russian capital’s business center

1. Guinness World Record in highlining

The record was set in 2019 by a team of seven athletes from Russia, Germany, France and Canada. They did it on September 8, on which the ‘Moscow-City Day’ is celebrated. The cord was stretched at the height of 350 m between the ‘OKO’ (“Eye”) and ‘Neva Towers’ skyscrapers. The distance between them is 245 m. The first of the athletes to cross was Friede Kuhne from Germany. The athletes didn't just walk, but also performed some daredevil tricks. Their record is 103 meters higher than the previous one set in Mexico City in December 2016.

2. Domination of Europe's top-10 highest skyscrapers

7 out of 10 Europe’s highest skyscrapers are located in Moscow-City. Earlier, the  ‘Federation Tower’ complex’s ‘Vostok’ (“East”) skyscraper was the considered the tallest in Europe.

Left to right: the lower of the ‘Neva Towers’ (296 m), Commerzbank Tower in Frankfurt (300 m), Gorod Stolits (“City of Capitals”) Moscow tower (302 m), Eurasia tower (309 m), The Shard’ skyscraper in London (310 m), Mercury City Tower (339 m), Neva Towers (345 m).

However, in 2018, the construction of the 462 meter tall ‘Lakhta Center’ in Saint-Petersburg was completed, pushing ‘Vostok’ (374 m) into 2nd place. The 3rd place is taken by OKO’s southern tower (354 m).

3. The unrealized ‘Rossiya’ tower

If all the building plans of Moscow-City were realized, the ‘Lakhta Center’ in St. Petersburg wouldn't have a chance to be Europe's highest skyscraper. Boris Tkhor, the architect who designed the concept of Moscow-City, had planned for the ‘Rossiya’ tower to be the tallest. In his project, it was a 600 meter tall golden cylindrical skyscraper ending with a spire that was inspired by traditional Russian bell towers. Then, the project was reinvented by famous British architect Sir Norman Foster. He had designed ‘Rossiya’ as a pyramid ending with a spire. The skyscraper itself would have been 612 meters tall, and the height including the spire would have reached 744,5 meters (for comparison, the ‘Burj Khalifa’ in Dubai, UAE, would have been just 83,5 meters taller). Unfortunately, the investors faced a lot of economic problems, due to the 2008 financial crisis, so the ‘Rossiya’ skyscraper was never built. A shopping mall and the ‘Neva Towers’ complex was constructed at its place in 2019.

4. Changed appearance of ‘Federation Tower’

In its first project, the ‘Federation Tower’ was designed to resemble a ship with a mast and two sails. The mast was to be represented by a tall glass spire with passages between the towers. It was planned to make a high-speed lift in it. The top of the spire was going to be turned into an observation deck. But the ship lost its mast in the middle of its construction. Experts at the Moscow-city Museum based in the ‘Imperia’ (“Empire”) tower say, that the construction of the spire was stopped, firstly, due to fire safety reasons and secondly, because it posed a threat to helicopter flights – the flickering glass of the spire could potentially blind the pilots. So, the half-built construction was disassembled. However, an observation deck was opened in the ‘Vostok’ tower.

5. Open windows of ‘Federation Tower’

We all know that the windows of the upper floors in different buildings don’t usually open. Experts say that it’s not actually for people’s safety. Falling from a big height is likely to be fatal in any building. The actual reason is the ventilation system. In a skyscraper, it’s managed with a mechanical system, and the building has its own climate. But in the ‘Zapad’ (“West”) tower of the ‘Federation Tower’ complex, the windows can open. The 62nd and last floor of the tower are taken up by a restaurant called ‘Sixty’. There, the windows are equipped with a special hydraulic system. They open for a short period of time accompanied by classical music, so the guests can take breathtaking photos of Moscow.

6. Broken glass units of ‘Federation Tower’

The guests of the ‘Sixty’ restaurant at the top of the ‘Zapad’ tower can be surprised to see cracked glass window panes. It is particularly strange, if we take into consideration the special type of this glass. It is extremely solid and can’t be broken once installed. For example, during experiments people threw all sorts of heavy items at the windows, but the glass wouldn’t break. The broken glass units of ‘Zapad’ were already damaged during shipment . As each of them is curved in its own way to make the tower’s curvature smooth, making a new set of window panes and bringing them to Russia was deemed too expensive . Moreover, the investors had financial problems (again, due to the 2008 financial crisis), so the ‘Vostok’ tower even stood unfinished for several years. Eventually, the cracked window panes were installed in their place.

7. The highest restaurant in Europe

‘Birds’, another restaurant in Moscow-City, is remarkable for its location. It was opened at the end of 2019 on the 84th floor of the ‘OKO’ complex’s southern tower. Guests at the restaurant can enjoy an amazing panoramic view at a height of 336 meters. On January 28, the experts of ‘Kniga Recordov Rossii’ (“Russian Records Book”) declared ‘Birds’ the highest restaurant in Europe, a step toward an application for a Guinness World Record.

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