td visa travel insurance contact number

Exciting news for TD Rewards members

Members can earn and redeem points on vacation packages, flights, hotels, car rentals and more. Who doesn't like to save?

Sign-in using your existing TD online banking credentials.

The expedia for td program.

It's easier than ever for TD Travel or Rewards credit card holders to find and book their dream vacation on Expedia For TD.

The best part? Not only do you have the flexibility to use your TD Rewards Points to pay for all or part of your trip, but eligible TD credit cards can also earn up to 9 points for every $1 spent on travel purchases 1.

TD First Class Travel Visa Infinite * 

• 8 TD Rewards Points per $1 Spent on Travel Purchases at Expedia For TD (Online/ Phone) 1
• Annual $100 TD Travel Credit on your first Eligible Travel Credit purchase of $500 that is made with Expedia For TD 2
• Birthday Bonus - earn up to 10K bonus TD Rewards Points a year (up to $50 value on Expedia For TD) 3,4
• Comprehensive Travel insurance coverage 4

TD Platinum Travel Visa *

• 6 TD Rewards Points per $1 spent on Travel Purchases at Expedia For TD (Online/Phone) 1
• Car Rental Discounts 5,6,7

TD Rewards Visa *  

• 4 TD Rewards Points per $1 Spent on Travel Purchases at Expedia For TD (Online/Phone) 1
• Car rental discounts 5,6,7

TD Business Travel Visa *  

• 9 TD Rewards Points per $1 when you book travel online, or 6 Points per $1 Spent on travel made by phone through Expedia For TD 1

Not only does Expedia For TD provide you with exclusive deals on travel , but y ou r TD points are worth more when redeeming them and you can earn TD points faster when purchasing travel with your TD credit card. 1,9  

Explore with Options

A flight to Las Vegas? How about an all-inclusive stay at a Cancun resort? A house in Banff for a ski trip? All of these are available on Expedia For TD.

No restrictions on adventure

We don't have black-out dates or seat restrictions on flights, 8  which means you're free to book anytime you want.

Redeem and earn points on:

• Flights and packages
• Hotels, vacation rentals, car rental
• Activities and cruises

And you’ll have access to Expedia benefits

Expedia’s Price Guarantee

Find a cheaper Flight + Hotel package within 24 hours of booking or a cheaper hotel rate up to 48 hours before check-in and Expedia will refund the difference. Sign in to find out more.

Save on hotels

Exclusive offers and deals, including up to 20% off hotel stays

Fulltime support

A dedicated customer service team available 24/7 at 1-877-222-6492

How it works

Paying with TD points                        .

It’s easy to shop for travel: Find your ideal trip and pay with your TD Travel or Rewards Credit Card at checkout. On the billing page, select the amount of TD points you wish to redeem.                                                                          

200 TD Rewards Points = $1                            .            .

Every 200 points are worth $1 off travel purchases on Expedia For TD. Redemptions are made in 200-point increments, and travelers need a minimum of 200 points to make a redemption.

Use points for all or part of your trip

For example, if your trip costs $1000, use 120,000 Rewards Points (worth $600). Pay the remainder with your TD credit card and earn up to additional 8 points for every $1 spent 1,9 . That is up to 32k additional points!

Automatic credit for points redeemed

When you purchase travel using TD Rewards Points your TD credit card will be charged the full amount. The dollar value of points redeemed will be credited to your account in 3-5 business days.

Already an eligible TD cardholder?

Use your existing TD online banking credentials to sign in to Expedia For TD and find your perfect trip Sign In

Earn TD Rewards Points on bookings made with your TD Travel Rewards Credit Card and pay with points by redeeming TD Rewards Points towards all or part of your trip. Sign In

Pay for travel and everyday items with your TD Travel Credit Card to earn TD Reward Points. When you're ready, you can redeem TD points to pay for all or part of your trip.

Looking to become a TD travel cardholder?

Learn more about TD’s travel credit cards and choose the one that best matches your spending habits and travel style.

1 TD First Class Travel Cardholders earn eight TD Rewards Points for every dollar spent on travel Purchases made online or by phone through Expedia For TD. TD Platinum Cardholders earn six TD Rewards Points for every dollar spent on travel purchases made online or by phone through Expedia For TD. TD Rewards Cardholders earn four TD Rewards Points for every dollar spent on travel purchases made online or by phone through Expedia For TD. TD Business Travel Cardholders earn 9 TD Rewards Points for every dollar spent on travel purchases made online through Expedia For TD and 6 TD Rewards Points for every dollar spent on travel purchases made by phone through Expedia For TD. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

  2 In order to receive the TD Travel Credit, the Account must be open, active and in Good Standing. An Eligible Travel Credit Purchase means:    • A Hotel, Motel, Lodging, or Vacation Rental Purchase of $500.00 CAD or more made with Expedia For TD;    • A Vacation Package Purchase of $500.00 CAD or more made with Expedia For TD, that includes a Hotel, Motel, Lodging or Vacation Rental booking packaged with a transportation booking.   See your TD Rewards Program Terms and Conditions for more details.  

3 Each year, receive a TD Rewards Birthday Bonus (“Birthday Bonus”) equal to 10% of the TD Rewards Points earned while using the TD First Class Travel® Visa Infinite* over the 12 months preceding the Primary Cardholder’s birthday, to a maximum Birthday Bonus of 10,000 TD Rewards Points. For the first year, we will only award the TD Rewards Birthday Bonus based on the TD Rewards Points earned from October 30, 2022, to your next birthday. Previously earned points on other Rewards Cards, Acquisition Bonus Points, or other Promotional Rewards Points earned do not count towards the Birthday Bonus. 

4 Insurance coverages are subject to conditions, limitations and exclusions. For more information, (including information on the insurer and/or administrator) please refer to the Certificate of Insurance included with your TD Credit Cardholder Agreement.

5 Rate displayed by Expedia For TD reflects the discounted offer.  No discount code needs to be applied. 

6 Provided by Avis Rent A Car System ULC. Minimum discount offer subject to discount code  and to terms and conditions which may change without notice. Blackout dates may apply. Base rate refers to time and kilometer/mile charges only. Taxes, fees and surcharges are extra. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Avis Rent A Car System ULC.

7 Provided by Budget Rent A Car System, Inc. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate refers to time and kilometer/mile charges only. Taxes, fees and surcharges are extra. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Budget Rent A Car System, Inc.

8 Subject to carrier/space availability.  9 Every 200 TD Points redeemed are worth $1 in travel savings off the cost of Travel Purchases made through Expedia For TD. Redemptions can only be made in 200 TD Points increments. * Trademark of Visa International Service Association; Used under license.

• Personal Finance

The TD First Class Travel Visa Infinite Card and its travel insurance benefits

Insurance Coverage

First, it is very important to read the most recent version of the TD First Class Travel Visa Infinite Card Benefits Coverage Guide .

They can change at any time and it is your responsibility to be aware of these insurance benefits .

If you have any questions, please contact TD Customer Service at 1-866-374-1129 . It is strongly recommended that you call them before booking travel with your card and before you leave on your trip.

Eligibility

Travel insurance coverage is only available to :

• Primary cardholder
• Spouse and dependent children of the primary cardholder
• Additional cardholder
• Spouse and dependent children of the additional holder

In addition, the card account must be in good standing . This means:

• The Primary Cardholder has not asked TD to close the Account
• TD has not suspended and revoked credit privileges or closed the account

Eligibility Tool

To make it easier to understand the insurance coverage of its credit cards, TD has put together an interactive tool on travel insurance . In 6 questions, you can quickly find out if you qualify or not, when you pay in full for the trip in cash.

TD First Class Travel Visa Infinite Card Description

Travel medical insurance.

The maximum benefit for emergency medical care is $2,000,000. To be eligible, you only need to have the card, as per the Eligibility section above. This includes the following inclusions:

• Hospitalization
• Physician’s fees
• Private nursing
• Diagnostic services
• Ambulance and air ambulance services
• Prescription drugs
• Accidental dental and emergency relief of dental pain
• Medical Appliances
• Emergency return home
• Transportation to the bedside and compensation for the bedside companion
• Compensation for the travel companion
• Meals and accommodation
• Incidental hospital expenses
• Vehicle return
• Repatriation of deceased
• Baggage return

Trip cancellation and trip interruption insurance

To receive the benefits of this insurance coverage, the full cost of your trip must be paid with your ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">TD First Class Travel ® Visa Infinite* Card and/or TD Rewards points.

A trip cancellation occurs before departure .

A trip interruption occurs on or after the departure date when the trip has begun .

Eligible reasons may be:

• The death of an insured person or an immediate family member
• A sudden, unexpected illness or accidental injury to a person or a member of his or her immediate family
• A natural disaster at the insured person’s principal residence
• Weather conditions during the trip

Common Carrier Travel Accident Insurance

To be eligible for this insurance, you must:

• Privileges under your account have not ceased or been suspended
• The account is not more than 90 days past due
• And the TD credit card must be in good standing

A common carrier is a land, air or water conveyance that is authorized to carry passengers for compensation. This can be a :

• Ferry or Cruise ship
• Bus or Train
• Cab or Limousine

If there is an accidental death or dismemberment, the maximum benefit is $500,000 .

Delayed and Lost Baggage Insurance

In order to benefit from this insurance, the credit card must have been used to pay 100% of the airfare .

Flight and travel delay insurance

To benefit from this insurance, at least 75% of the cost of your trip must be charged to the ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">TD First Class Travel ® Visa Infinite* Card .

The reason for the delay may be due to weather, an outage or a strike for example.

This flight or travel delay insurance can be up to $500 , for a delay of 4 hours or more .

Hotel/Motel Burglary Insurance

This is for hotel and motel reservations in Canada and the United States only. At least 75% of the total cost of the stay must be charged to the card. The use of TD Rewards points is also valid under certain conditions.

The maximum amount is $2,500 .

Collision and damage insurance for rental vehicles

• Pay for the car rental at the rental agency with the ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">TD First Class Travel ® Visa Infinite* Card MD (payment with TD Rewards points is accepted, under certain conditions).
• Refuse to purchase the Collision Damage Waiver (CDW ) or an equivalent coverage from the rental agency and have it written into the contract

The car rental covers up to 48 consecutive days and the manufacturer’s suggested retail price (MSRP) of the car must be under $65,000 . Some types of vehicles are not insured.

Purchase Assurance and Extended Warranty Protection

Purchase insurance covers items purchased with the ® Visa Infinite* Card" href="https://milesopedia.com/en/credit-cards/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">TD First Class Travel ® Visa Infinite* Card for 90 days from the date of purchase . If the item is lost, stolen or damaged, it will be replaced or repaired with this insurance.

Extended warranty protection extends the manufacturer’s warranty up to one year . It begins after the manufacturer’s warranty expires and the item must be purchased with the Card.

Mobile Device Insurance

Did your new smartphone or tablet have a major accident and stop working? Mobile device insurance can come to the rescue, up to a maximum of $1,000 in reimbursement!

To qualify, at least 75% of the total cost of the device must be charged to the TD First Class Travel Visa Infinite Card. Under certain conditions, insurance is also eligible if the total cost of the device is financed through a plan with monthly payments .

Emergency travel assistance services

It is not really an insurance, but rather a help to solve a problem during a trip in unknown land. They do not offer payment or refunds. They are more of a medical second opinion or will tell you what to do if you don’t know what to do when you are in total panic.

The phone number is 1-800-871-8334 for Canada or the United States. Or if you are in another country: 1-416-977-8297 (collect).

This phone line can be useful for the following situations:

• Medical consultation and follow-up
• Medical emergency travel and medical referrals
• Payment to medical service providers
• Assistance in case of lost luggage
• Legal assistance
• Replacement of lost tickets and documents
• Translation Services
• Emergency transfer of funds

What to do if you have an insurance claim with the TD First Class Travel Visa Infinite Card

You must call 1-866-374-1129 , within the time frame following the date the event occurred.

In summary, here are the various insurance coverages of the ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">TD First Class Travel ® Visa Infinite* Card :

Bottom Line

In addition to all this insurance to prevent inconvenience, the ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">TD First Class Travel ® Visa Infinite* Card has a very profitable welcome offer from TD Bank .

With all these points, you can afford to get a stay that will not cost much. This is in addition to his annual TD Travel Credit of $100 for Expedia for TD bookings of $500 or more.

To save on travel and insurance, this is a secret card to have in your wallet!

All posts by Caroline Tremblay

Suggested Reading

• Customer Service

TD First Class SM Visa ® Signature Credit Card

Travel rewards – Earn triple miles on travel and dining

Compare TD cards >

Read complete terms and conditions for details about APRs, fees, eligible purchases, balance transfers and program details.

Offer details, rates, fees and terms

Bonus miles offer.

Earn up to 25,000 bonus miles within the first 6 billing cycles of account opening, which equals a $250 statement credit towards travel or dining purchases

Bonus miles will be reflected on your credit card statement 6 to 8 weeks after a qualified first purchase and/or 6 to 8 weeks after $3,000 in total net purchases made within the first 6 billing cycles of your credit card account opening date. This offer is non-transferable. This online offer is not available if you open an account in response to a different offer that you may receive from us. This online offer is not available if you open an account in response to a different offer that you may receive from us.

Rewards details

3X First Class miles on travel and dining purchases , including flights, hotels, car rentals, cruises and dining, from fast food to fine dining

1X First Class miles on all other purchases – no categories or gimmicks and earn points that never expire as long as your account is open and in good standing.

Rates and fees

Need more information?

Take a look at our terms and conditions or personal cardmember agreement .

Earn unlimited points with every purchase, and triple the miles on travel

See how many miles you can earn from travel and other purchases.

Redeem your First Class miles for a statement credit toward travel and dining purchases >

To earn and redeem points, your account must be open and in good standing.

Credit Card FAQs

Manage your card, security you can count on.

Don't worry-we're protecting your every move. Our built-in chip technology helps guard you against fraud. Plus, you get the benefits of Visa Zero Liability 2

Managing your account is easy

Get the service you need, when you need it. Log in to your account or talk to a TD Bank representative 24/7 at 1-877-468-3178.

Redeem your rewards

Visit the td first class rewards site >.

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TD Visa Canada Travel Insurance Coverage: What You Should Know

Traveling can be unpredictable, and unexpected events such as medical emergencies, trip cancellations, or lost baggage can derail your plans. With TD Visa Canada travel insurance coverage, you can protect yourself from financial losses and travel with peace of mind.

In this article, we’ll cover everything you should know about TD Visa Canada’s travel insurance coverage, including what it includes and how to make a claim. Here we covered:

TD Visa Canada: Understanding your travel insurance coverage

• What to know about TD Visa Canada’s emergency medical coverage
• Trip cancellation and interruption insurance with TD Visa Canada

TD Visa Canada: Coverage for lost or stolen baggage

• TD Visa Canada: Coverage for accidental death and dismemberment while traveling
• How to file a travel insurance claim with TD Visa Canada

If you’re a TD Visa Canada cardholder, you may have travel insurance coverage included with your card. Understanding your coverage can help you feel more confident and prepared when traveling.

TD Visa Canada travel insurance coverage typically includes benefits such as emergency medical and dental coverage, trip cancellation and interruption insurance, baggage and personal effects coverage, and more. However, it’s important to understand the specific details of your coverage, as well as any exclusions or limitations that may apply.

To understand your coverage, start by reviewing your cardholder agreement and the insurance certificate that was provided to you when you received your card. Pay attention to details such as the coverage amounts, coverage periods, and any deductibles that may apply. You can also contact TD Visa Canada customer service or the insurance provider directly for more information.

It’s important to note that travel insurance coverage may have limitations or exclusions based on factors such as your age, health, and the specific details of your trip. For example, if you’re traveling to a country with a travel advisory in effect, your coverage may not apply.

To ensure that you’re fully covered, consider purchasing additional travel insurance coverage if your TD Visa Canada coverage is limited or doesn’t meet your needs. You can also take steps to minimize your risk while traveling, such as staying aware of your surroundings and taking precautions to protect your personal belongings.

Overall, understanding your TD Visa Canada travel insurance coverage can help you feel more prepared and confident when traveling, giving you peace of mind to enjoy your trip to the fullest.

Also Read: Best Affordable Health Insurance For International Students In USA

What To Know About TD Visa Canada’s Emergency Medical Coverage

When traveling abroad, it is crucial to be aware of your health insurance coverage. TD Visa Canada offers emergency medical coverage that you should know about before embarking on your trip.

This coverage provides financial protection in the event of a medical emergency while traveling outside your home province. It can help cover expenses such as hospitalization, doctor fees, and prescription medications.

To be eligible for TD Visa Canada’s emergency medical coverage, you must be under 65 years old and have no known medical condition. The coverage is also subject to certain limitations and exclusions, so it’s important to read the fine print and understand the terms and conditions.

It’s essential to have proof of coverage with you at all times while traveling. TD Visa Canada provides a wallet-sized insurance card that you can carry with you. If you need medical attention while traveling, contact the emergency assistance service number on the card to get assistance and be directed to the appropriate medical facility.

It’s also important to note that TD Visa Canada’s emergency medical coverage is not a substitute for regular health insurance. It only provides coverage for medical emergencies that occur while traveling outside your home province.

Before traveling, it’s always a good idea to review your coverage and ensure that you have adequate protection for your trip. If you have any questions about TD Visa Canada’s emergency medical coverage, contact their customer service for assistance.

In summary, TD Visa Canada’s emergency medical coverage can provide peace of mind while traveling abroad. Just be sure to read the terms and conditions, carry proof of coverage with you, and understand the limitations and exclusions.

Also Read: How To Get The Best Ski Insurance For Your Next Trip

Trip Cancellation And Interruption Insurance With TD Visa Canada

TD Visa Canada offers trip cancellation and interruption insurance coverage to protect against unforeseen circumstances that may disrupt travel plans. This coverage includes reimbursement for non-refundable trip expenses in the event of a covered illness, injury, or death of the insured or their family member.

This also includes other covered reasons such as flight cancellations or delays, job loss, or severe weather. TD Visa Canada’s trip cancellation and interruption insurance coverage typically extends to travel-related expenses such as transportation, accommodations, and tours, and may also cover expenses related to pre-existing medical conditions.

To qualify for this coverage, travelers must have purchased their trip with their TD Visa Canada card, and the coverage typically extends to the cardholder, their spouse or common-law partner, and dependent children traveling with them.

The coverage may vary depending on the specific TD Visa Canada card held, so it is important to review the terms and conditions of the coverage before purchasing a trip or making travel arrangements.

In the event of a covered trip cancellation or interruption, the insured must contact TD Visa Canada’s insurance provider as soon as possible to initiate a claim and provide documentation of the covered reason for the cancellation or interruption. The insurance provider will then review the claim and reimburse the insured for eligible expenses up to the maximum coverage amount.

Overall, TD Visa Canada’s trip cancellation and interruption insurance provides peace of mind and financial protection for travelers who may face unexpected disruptions to their travel plans. It is important to review the specific terms and conditions of the coverage to understand what is and is not covered and to ensure that the coverage meets the traveler’s needs.

When traveling, the last thing anyone wants to deal with is lost or stolen baggage. Fortunately, TD Visa Canada provides coverage for such incidents. The coverage for lost or stolen baggage will depend on the type of TD Visa card and plan that the cardholder has. Generally, coverage may include reimbursement for clothing, toiletries, and other essential items that were in the lost or stolen baggage.

For instance, the TD First Class Travel Visa Infinite Card provides up to $1,000 in coverage for lost or stolen baggage per insured person on the trip. Additionally, it provides up to $500 for delayed baggage. This coverage is provided when the cardholder pays for the full cost of their travel arrangements with their TD Visa card.

Similarly, the TD Platinum Travel Visa Card provides up to $1,000 in coverage for lost or stolen baggage per insured person on the trip, as well as up to $500 for delayed baggage. The coverage is also provided when the cardholder pays for the full cost of their travel arrangements with their TD Visa card.

It is essential to note that there are limitations and exclusions to TD Visa Canada’s baggage coverage. For example, coverage is limited to a specific amount per item, and there may be restrictions on the types of items that are covered. Additionally, some items, such as sports equipment, may require additional coverage or have specific limitations.

In summary, TD Visa Canada provides coverage for lost or stolen baggage for eligible cardholders. It is crucial to review the specific details of the coverage provided by your TD Visa card and plan to understand the limitations and exclusions of the coverage.

TD Visa Canada: Coverage For Accidental Death And Dismemberment While Traveling

TD Visa Canada provides coverage for accidental death and dismemberment while traveling to ensure you’re protected in the event of a tragic incident. This coverage pays out a benefit to you or your beneficiaries in the event of an accident that results in your death, loss of limbs or eyesight.

The coverage typically applies while you’re on a common carrier, such as an airplane or cruise ship, and may also apply while you’re in transit to and from the airport. It’s important to note that this coverage is not a substitute for life insurance but rather an additional layer of protection to help ease the financial burden on you or your loved ones.

Be sure to review your policy’s terms and conditions to understand the specific coverage limits and exclusions. If you have any questions or concerns about your TD Visa Canada travel insurance coverage, contact their customer service team for assistance.

Remember to keep a copy of your policy and contact information for TD Visa Canada’s emergency assistance provider with you while traveling to ensure you have access to help if needed.

Travel Insurance For USA Citizens Traveling To Canada: Here Is All You Need To Know Travel Insurance Policy: 13 Key Facts You Must Know Today

How To File a Travel Insurance Claim With TD Visa Canada

Filing a travel insurance claim can be daunting, but it doesn’t have to be with TD Visa Canada. If you have a travel insurance policy with TD Visa Canada and need to make a claim, the process is simple and straightforward.

To begin, you need to contact TD Insurance by phone or online and provide them with all the necessary information regarding your claim. This includes your policy number, travel dates, and a description of the incident that led to your claim.

TD Insurance will then review your claim and request any additional information if necessary. Once your claim is approved, TD Insurance will provide you with the necessary forms to fill out and submit. You will also need to provide any relevant documentation, such as medical bills, receipts, or police reports.

It is essential to ensure that you provide all the required information and documentation promptly to avoid any delays in processing your claim. Once TD Insurance has received all the necessary information, they will process your claim and provide you with the appropriate compensation based on the terms of your policy.

With TD Visa Canada, filing a travel insurance claim is a simple and hassle-free process that ensures you get the support you need when you need it the most.

Rental Car Collision/Loss Damage Coverage with TD Visa Canada

If you’re planning a road trip, it’s essential to ensure that you have the necessary rental car coverage to protect you and your travel companions from any unforeseen events. With TD Visa Canada, you can take advantage of their Rental Car Collision/Loss Damage Coverage, which offers protection for rental cars in case of theft, damage, or loss.

This coverage provides reimbursement for the cost of repairing or replacing a rental car, up to the maximum coverage amount. It also includes coverage for the loss of use of the rental car, which is the amount charged by the rental company for the days the car is out of service due to damage or loss.

It’s important to note that the coverage is only applicable when the rental car is rented using the TD Visa card, and the rental period is less than 48 days. The coverage is also subject to certain limitations and exclusions, so it’s important to review the terms and conditions of the coverage before renting a car.

To take advantage of the rental car coverage and other travel insurance coverages provided by TD Visa Canada, simply use your TD Visa card to pay for your travel expenses. If you need to file a claim, the TD Claims Assistance Center is available 24/7 to provide you with the necessary assistance and support.

Overall, with TD Visa Canada’s Rental Car Collision/Loss Damage Coverage, you can enjoy your road trip without worrying about the unexpected. Just be sure to review the coverage’s terms and conditions and use your TD Visa card to take advantage of this valuable protection.

Conclusion – 24/7 Travel Assistance Services Provided by TD Canada Travel Insurance

TD Visa Canada offers comprehensive travel insurance coverage, including 24/7 travel assistance services. The travel assistance services provide peace of mind to travelers in the event of an emergency.

With TD Visa Canada, customers have access to assistance for medical emergencies, legal referrals, lost or stolen travel documents, and other travel-related emergencies. The 24/7 travel assistance services also provide language interpretation services to customers who may face language barriers while traveling.

This service is available to TD Visa Canada cardholders whether they are traveling domestically or internationally. In the event of an emergency, TD Visa Canada cardholders can contact the travel assistance services by phone or email.

The travel assistance team is highly trained and experienced in handling emergency situations, and they work to provide customers with prompt and efficient service. The team can also help customers navigate the local healthcare system, find a doctor or hospital, and arrange for medical transportation if necessary.

With TD Visa Canada’s 24/7 travel assistance services, customers can travel with peace of mind knowing that help is always available whenever and wherever they need it.

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Home  /  Canadian Credit Cards  /  TD Travel Credit Cards in Canada  / TD First Class Travel® Visa Infinite* Card

TD Travel Credit Cards in Canada

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TD First Class Travel® Visa Infinite* Card

• Annual Fee $139
• Interest: Purchases 20.99%
• Interest: Cash Advances 22.99%
• Additional Cardholder 2 $50

$50  for the first Additional Cardholder; $0  for subsequent Additional Cardholders.

• $60,000 personal or $100,000 household annual income.
• You are a Canadian resident and are of the age of majority in your province/territory of residence

Limited Time Offer

Earn up to  $800  in value 18  including up to 100,000 TD Rewards Points, no Annual Fee for the first year 1  and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.

• Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card 1 .
• Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening 1 .
• Earn a Birthday Bonus of up to 10,000 TD Rewards Points 22 .
• Get an annual TD Travel Credit 23  of $100 when you book at Expedia ®  For TD.
• Get an Annual Fee Rebate for the first year 1 .  

To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.

At a glance

Earn TD Reward Points on all the things you normally do, whether you use your Card for groceries, dining, paying bills or booking travel. The rewards will add up quickly so you can enhance your travel experience or enjoy a wide variety of rewards.

Your Card also allows you to enjoy:

• An annual TD Travel Credit  23  of $100 when you book at Expedia ®  For TD.
• TD Rewards Birthday bonus 22  that helps you celebrate in style.
• An extensive suite of travel insurance coverages which helps you travel prepared.
• No travel blackouts 5 , no seat restrictions 5  and no expiry 25  for your TD Rewards Points as long as your account is open and in good standing.
• Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply.  See more details .

Every Purchase Counts

Earn 8 TD Rewards Points 19

for every $1 you spend when you book travel through Expedia® For TD 6

Earn 6 TD Rewards Points

for every $1 you spend on Groceries and Restaurants 20

Earn 4 TD Rewards Points

for every $1 you spend on regularly recurring bill payments set up on your Account 20

Earn 2 TD Rewards Points

for every $1 you spend on other Purchases made using your Card 21  plus earn an annual  Birthday Bonus 22  of up to 10,000 TD Rewards Points

Recurring Bill Payments, Groceries and Restaurants (Yearly spend cap of $25,000 each)

† This chart is for illustrative purposes only. Welcome Bonus applies only in the first year.

†† Total TD Rewards Points and corresponding dollar value equivalent assumes no redemption of TD Rewards Points towards any travel purchases made during the year. Maximum dollar value of TD Rewards Points shown, only applies to TD Rewards Points redeemed for travel purchases charged to your Card and booked through Expedia For TD.

Credit Card Reward Perks

Use TD Rewards Points at Expedia For TD

Redeem your TD Rewards Points for your next trip at ExpediaForTD.com and get access to exclusive deals. Conditions apply.

Earn more at Starbucks

Link your eligible Card to earn 50% more TD Rewards Points and Stars. Redeem points for even more Stars. Conditions apply.

Use TD Rewards Points at Amazon.ca

Redeem your TD Rewards Points towards purchases at Amazon.ca with Amazon Shop with Points. Conditions apply.

Save $120 in value with Uber One

Get a free Uber One membership for 12 months with your TD First Class Travel® Visa Infinite* Card. Conditions apply.  Offer ends May 23, 2024.

Redeem your TD Rewards Points how you want, for what you want 

Every purchase you make with your TD Rewards Credit Card earns you TD Rewards Points. With the flexibility to choose how to redeem your TD Rewards Points for the rewards you want, you can use your points on everyday perks, eGift cards, education credits, cash credits or travel. Learn more .

More Card Benefits and Features

Td rewards program benefits.

TD First Class Travel Credit Card helps you earn big while you do all the things you normally do. And since you never slow down, the rewards can add up quickly. This lets you redeem for how and what you want with the flexibility to treat yourself with a wide variety of rewards options.

• Go Places on Points Your Points are worth more when you redeem through Expedia® For TD:  Search over a million flights, hotels, packages and more! When you’re ready to book, you can redeem 3  your TD Rewards Points towards your travel purchase right away. Or Book Any Way 3 :  You can also choose to book your trip through any other travel agency or website. This gives you the flexibility to use your TD Rewards Points towards all kinds of travel expenses – including excursions and taxes – within 90 days of your purchase.
• Shop online through TDRewards.com Redeem your TD Rewards Points for great deals on a wide selection of merchandise and gift cards.
• Financial Rewards Pay With Rewards:  Redeem TD Rewards Points to help pay down your credit card balance.

Travel Benefits

Explore the travel benefits and insurance coverages included with your Card:

• $100 TD Travel Credit 23 Each year, you will receive one  $100.00  TD Travel Credit on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD and posted to the Account in a calendar year.
• Travel Medical Insurance 7 Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
• Flight/Trip Delay Insurance 8 Up to $500 in coverage per insured person if your flight/trip is delayed for over 4 hours.
• Trip Cancellation/Trip Interruption Insurance 9 For Trip Cancellation, up to $1,500 of coverage per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption, up to $5,000 of coverage per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
• Common Carrier Travel Accident Insurance 10 Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train, or auto rental)
• Emergency Travel Assistance Services 11 Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling.
• Delayed and Lost Baggage Insurance 8 Up to $1,000 overall coverage per insured person toward the purchase of essentials such as clothes and toiletries if your baggage is delayed more than 6 hours or lost.
• Auto Rental Collision/Loss Damage Insurance 12 Coverage up to 48 consecutive days
• Check your TD credit card travel insurance benefits Learn about what travel insurance benefits are available on your TD credit card with our  Credit Card Travel Insurance Verification Tool .
• Hotel/Motel Burglary Insurance 24 Up to $2,500 of coverage per occurrence for eligible personal items stolen from your hotel or motel room that belong to each Cardholder on the Account and eligible family members travelling with the Cardholder.

Review the  Benefit Coverages Guide  for more details.

Additional Benefits & Features

• Earn big rewards on the little things. Earn 50% more TD Rewards Points and 50% more Stars at participating Starbucks stores. You can also turn Points into morning coffee by redeeming your TD Rewards Points for Stars at Starbucks. Simply link your TD First Class Travel Visa Card to your Starbucks® Rewards account. Conditions apply.  Learn more .
• TD Payment Plans Easily turn purchases of $100 or more into manageable 6, 12 or 18 month Payment Plans. Conditions apply.  Learn more .
• Save with Avis Rent A Car and Budget Rent A Car Use your Canadian TD Credit Card to save a minimum of 10% off the lowest available base rates 13 , 14  in Canada and the U.S., and a minimum of 5% off the lowest available base rates 13 , 14  internationally, on qualifying car rentals at participating Avis and Budget locations.
• Use Apple Pay , Google Pay or Samsung Pay wherever contactless payments are accepted -  These Digital Wallets are accepted in a growing number of shops, restaurants, and other retailers, making it convenient and easy to use for everyday business payments with just a tap of your device.

Visa Infinite Benefits

• Complimentary Visa Infinite Concierge 26 : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card. Call toll-free from Canada and the U.S.: 1-888-853-4458 From outside Canada and the U.S.: 1-630-350-4545
• Visa Infinite Luxury Hotel Collection 27 : Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.
• Visa Infinite Dining Series 27 : As a Visa Infinite Cardholder, you have access to exclusive gourmet events that cater to your astute tastes. The Visa Infinite Dining Series serves up culinary explorations with prized chefs and acclaimed wines.
• Visa Infinite Wine Country Program 27 : Show your Visa Infinite card onsite and you can experience exclusive benefits at over 95 participating wineries in British Columbia, Ontario and Sonoma Valley including discounts on wine purchases, complimentary tastings, private vineyard tours and much more.
• Visa Infinite Entertainment Access 27 : Get exclusive access to tickets to curated events across Canada throughout the year. Visa Infinite Cardholders can also enjoy exclusive benefits, access and offers for the Toronto International Film Festival ®
• Visa Infinite Troon Golf 27 : Receive elevated Troon Rewards ®  Silver Status at over 95 courses and 10% off on green fees, merchandise and lessons at participating Troon Rewards golf courses.
• Mobile Device Insurance 24 Up to $1,000 of coverage in the event of loss, theft, accidental damage, or mechanical breakdown for eligible mobile devices.
• Chip & PIN technology: TD  Visa *  Cards with Chip and PIN technology provide an added level of security through the use of a Personal Identification Number (PIN). A required PIN makes it much more difficult for unauthorized users to copy or access the information on your TD Credit Card.
• Purchase Security and Extended Warranty Protection 15 : You automatically have access to Purchase Security and Extended Warranty Protection, covering most eligible new items you’ve purchased with your Canadian Credit Card, should they be stolen or damaged within 90 days of purchase. If the item comes with a manufacturer's warranty valid in Canada, you may be entitled to double the warranty period for up to 12 additional months.
• Visa Secure* Visa Secure provides you with increased security and convenience when you shop online.
• Instant Alerts. Added convenience, with TD Fraud Alerts: You can now automatically receive TD Fraud Alerts to your mobile phone any time we suspect suspicious activity on your TD First Class Travel ® Visa  Infinite * Card, or on any Additional Cardholder's card on your Account. Simply ensure that we have your current mobile phone number listed in your TD Customer Profile.  Learn more .
• Manage your credit card in the TD app Set transaction limits, block international purchases or lock your credit card.  Learn more .

Optional Benefits

• Optional TD Credit Card Payment Protection Plan 17 : Optional TD Credit Card Payment Protection Plan is designed to help you deal with your TD Credit Card payment obligations in the event of a covered Job Loss, Total Disability or loss of Life. To learn more about optional TD Credit Card Payment Protection Plan products, call  1-866-315-9069  or visit  tdcanadatrust.com/BP .
• Option to purchase TD Auto Club Membership 16  and be covered 24 hours a day for emergency roadside assistance services in case something goes wrong when you are out on the road.

Frequently asked questions

Why should you get a travel rewards credit card.

Do you love to travel? Then a travel rewards card may be perfect for you. These credit cards offer cardholders great value with travel Reward Points earned on eligible purchases that can later be redeemed to pay for flights and other travel related expenses. But, that’s just the start. The TD First Class Travel Visa Infinite* Card also lets you redeem TD Rewards Points on Amazon.ca with Shop with Points.

How do you earn TD Rewards Points?

Earn Points on your TD First Class Travel Visa Infinite Card with travel bookings, a meal at a restaurant, shopping and on everyday purchases. You can get started with welcome bonus TD Rewards Points if approved for this Card. In addition to earning 2 TD Rewards Points on every purchase, you can use this travel rewards card to make travel purchases through Expedia ®  for TD to earn 8 TD Rewards Points for each dollar spent. You can also earn 6 TD Rewards Points each for every dollar spent on grocery and restaurant purchases and earn 4 TD Rewards Points for every dollar spent in recurring bill payments. Your TD Rewards Points don’t expire as long as you are a TD First Class Travel Visa Infinite *  Cardholder.

How do you redeem TD Rewards Points?

Redeem your TD Rewards Points to book your next trip, for shopping and more. You can redeem your TD Rewards Points when you book travel online through Expedia for TD. This can help to make your travel more affordable. You can also use your TD First Class Travel Visa Infinite Card to book travel with any other travel provider. For shopping, you can redeem your TD Rewards Points for eligible products on Amazon.ca with Amazon Shop with Points or choose merchandise on TDRewards.com. You can also redeem TD Rewards Points to pay your credit card’s account balance on the TD app or EasyWeb.

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Annual interest rates, fees and features are current as of March 5, 2024 unless otherwise indicated and subject to change.

• $189: Annual Fee Rebate for the Primary ($139) and first Additional Cardholder ($50) for the first year;
• $100: TD Travel Credit on your first Eligible Travel Credit Purchase of $500 or more made through Expedia For TD;
• $50: TD Rewards Birthday Bonus equal to 10% of the number of TD Rewards Points earned while using the TD First Class Travel Visa Infinite* card over the 12 months preceding the Primary Cardholder’s birthday, up to a maximum of 10,000 TD Rewards Points (travel value at Expedia For TD of up to $50). Previously earned points on other Rewards Cards, Acquisition Bonus Points, or other Promotional Rewards Points earned do not count towards your Birthday Bonus;
• Welcome Bonus of 20,000 TD Rewards Points earned when you make your first Purchase with your Card (travel value at Expedia For TD of $100);
• Additional Bonus of 80,000 TD Rewards Points earned when you spend $5,000 within 180 days of Account opening (travel value at Expedia For TD of $400);

2  Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder.

3  TD Rewards Points must be redeemed in minimum 200-point increments for travel Purchases charged to your Card that are booked online or by phone through Expedia For TD. For travel Purchases charged to your Card that are not booked through Expedia For TD, TD Rewards Points must be redeemed in minimum increments of 200 or 250 TD Rewards Points as fully explained in the TD Travel Rewards Program Terms and Conditions ("Travel Terms") contained in the TD Travel Credit Cardholder Agreement for your Card. The Travel Terms are available on tdcanadatrust.com/agreements. We can decrease the required minimum TD Point redemption increment at any time. To redeem TD Rewards Points for travel Purchases charged to your Card that are not booked through Expedia For TD, Cardholder must contact the TD Travel Rewards Program or visit www.tdrewards.com after the travel Purchase has been posted to the Account and within 90 days from the transaction date of the travel Purchase. The required TD Rewards Points will be redeemed from the TD Rewards Points balance available at the time the TD Rewards Points are redeemed for the travel Purchase, not the transaction date of the travel Purchase. The amount that will be credited toward the travel Purchase will be equal to the value of the TD Rewards Points redeemed. If there are insufficient TD Rewards Points available to cover the entire amount of the travel Purchase, the Account will only be credited by the value of the TD Rewards Points redeemed. Any amount of the travel Purchase not covered by the TD Rewards Points redeemed will remain on the Account for payment.

4  The Toronto-Dominion Bank and its affiliates are not liable or responsible for the products, goods or services offered or made available by third party retailers through tdrewards.com.

5  Subject to carrier/space availability.

6  Expedia For TD is operated by Expedia, Inc. at  ExpediaForTD.com and 1-877-222-6492 . The Toronto-Dominion Bank and its affiliates are not responsible for any of the services and products offered/provided by Expedia, Inc.

7  Underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. The day of departure from and the day of return to your province or territory of residence each count as one full day. 21-day coverage if you're under 65 and 4-day coverage if you're 65 or older. Note that this insurance offers different benefits, with different terms and conditions, than the optional Travel Medical Insurance that may be medically underwritten and is available to all TD customers, which you may be eligible to top-up with.

8  Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, at least 75% of your trip cost must be paid for using your TD Credit Card and/or associated TD Reward Points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

9  Underwritten by TD Life Insurance Company (for medical covered causes) and TD Home and Auto Insurance Company (for non-medical covered causes). To be eligible for this insurance, your trip must be paid for in full using your TD Credit Card and/or TD Rewards Points. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions, than the optional Trip Cancellation and Trip Interruption Insurance that is available to all TD customers.

10  Underwritten by TD Life Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card and/or TD Rewards Points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

11  Provided by our Administrator under a service agreement with TD Life Insurance Company. This is not an insurance benefit but assistance services only.

12  Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card and/or associated TD Rewards Points, cannot exceed 48 consecutive days and the rental agency's Collision Damage Waiver coverage must be declined by the Cardholder. Refer to Auto Rental Collision/Loss Damage Insurance section of your TD Credit Cardholder Agreement for rental exclusions and further details.

13  Provided by Avis Rent A Car System ULC. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate refers to time and kilometer/mile charges only. Taxes, fees and surcharges are extra. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Avis Rent A Car System ULC.

14  Provided by Budget Rent A Car System, Inc. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate refers to time and kilometer/mile charges only. Taxes, fees and surcharges are extra. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Budget Rent A Car System, Inc.

15  Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, the item must be paid for in full using your TD Credit Card. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

16  TD Auto Club is provided by an independent third party service provider. The Toronto-Dominion Bank and its affiliates accept no responsibility or liability in respect of these services. Further details about the third party service provider can be found in your Membership Handbook at td.com/autoclub .

17  Life coverage is underwritten by American Bankers Life Assurance Company of Florida and Job Loss and Total Disability coverages are underwritten by American Bankers Insurance Company of Florida. The Toronto-Dominion Bank receives a fee from each insurer with respect to premium collection. Complete terms of coverage are in the Certificate of Insurance you will receive upon enrollment. Eligibility requirements, limitations and exclusions apply, and vary by benefit.

19  Earn 8 TD Rewards Points for every $1 in Purchases of travel made online through Expedia For TD or travel made by phone through Expedia For TD (“Phone Travel Purchases”) (“Online Travel Purchases”) and charged to your TD First Class Travel® Visa Infinite* Card Account (“Account”). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Online Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

20  Earn 6 TD Rewards Points ( “Grocery Rebate" & "Restaurant Rebate” ) for every $1 in Purchases of groceries or grocery items (“ Grocery Purchases” ) and for every $1 in Purchases at restaurants including fast food restaurants (“ Restaurant Purchases ”). Earn 4 TD Rewards Points (“ PAP Rebate ”) on each $1 in payments made on a monthly or other regularly recurring basis for merchant bills, including insurance premiums, magazine/newspaper/online streaming subscriptions, membership fees and telecommunication fees, that are set up by the merchant with your consent to be automatically charged to your TD First Class Travel® Visa Infinite* Card (“ Account ”) and that are classified through the Visa network as “recurring payments” (“ Pre-Authorized Payments ”). Rebates are only available to a $25,000 maximum net annual spend (“ $25,000 Cap ”).  $25,000 Cap : Once the $25,000 Cap has been reached for either Grocery Purchases, Restaurant Purchases, or Pre-Authorized Payments then any further Grocery Purchases, Restaurant Purchases, or Pre-Authorized Payments made on the Account will earn TD Rewards Points at the standard rebate rate of 2 TD Rewards Point that applies to all other Purchases on the Account as set out in your TD Rewards Program Terms & Conditions (“ Standard Rebate ”).  Applicability of Grocery Rebate and Restaurant Rebate : Each of the Grocery Rebate and the Restaurant Rebate is in place of, and not in addition to, the Standard Rebate.  Merchant Category Codes : To earn the Grocery Rebate and/or the Restaurant Rebate, the Grocery Purchases and/or Restaurant Purchases must be made at merchants classified through the Visa network with a Merchant Category Code (“ MCC ”) that identifies them in the “grocery”, “restaurant” or “fast food” category. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472.  Other Conditions : Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

21  Earn 2 TD Rewards Point (“Standard Rebate”) on every $1 on all other Purchases (“Other Purchases”) charged to your TD First Class Travel® Visa Infinite* Card Account (“Account”). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

22  The TD Rewards Birthday Bonus applies only to the Primary Cardholder of a TD First Class Travel® Visa Infinite*Card. Each year, you will receive a TD Rewards Birthday Bonus (“Birthday Bonus”) on your TD First Class Travel® Visa Infinite* Account, equal to 10% of the total number of TD Rewards Points earned over the 12 months preceding the Primary Cardholder’s birthday, to a maximum Birthday Bonus of 10,000 TD Rewards Points. The TD Birthday Bonus is only calculated on points earned while using your current First Class Travel Account. This means that previously earned points on other Rewards Cards, Acquisition Bonus Points, or other Promotional Rewards Points earned do no count towards your Birthday Bonus. The account must be open & in good standing on the date points are awarded to qualify.

23  In order to receive the TD Travel Credit, the Account must be open, active and in Good Standing. An Eligible Travel Credit Purchase means:

• A Hotel, Motel, Lodging, or Vacation Rental Purchase of $500.00 CAD or more made with Expedia For TD; or • A Vacation Package Purchase of $500.00 CAD or more made with Expedia For TD, that includes a Hotel, Motel, Lodging or Vacation Rental booking packaged with a transportation booking. See your TD Rewards Program Terms and Conditions for more details.

24  Insurance coverages are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy TD102022. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. ABIC, its subsidiaries, and affiliates carry on business in Canada under the trade name of Assurant®.

®Assurant is a registered trademark of Assurant, Inc.

25  TD Reward Points do not expire as long as you are a Cardholder.

26  The goods and services Cardholders request or otherwise choose to obtain through the Visa Infinite Concierge Service are provided by various third-party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about and assumes no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite Concierge. Neither Visa nor TD are responsible for any claims or damages arising from the use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of Cardholders’ requests in all instances. There is no fee for the Concierge’s services; however, Cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the Cardholder and purchased by the Visa Infinite Concierge on the Cardholder’s behalf. All costs will be charged directly to the Cardholder’s Visa Infinite card.

27  You must be an eligible Visa Infinite Cardholder with a valid Canada-issued Visa Infinite Card to take advantage of the Visa Infinite benefits and services. Certain benefits and services require enrollment. Offers and benefits are non-transferable, and discounts cannot be combined with any other offer or discount. Neither Visa nor the Issuer of the Card are responsible for any claims or damages arising from the use of any benefits or services provided by a third party. Visa reserves the right to modify or cancel offers or benefits at any time and without notice. All offers, benefits and services made available through Visa are subject to  complete terms and conditions , including third-party suppliers’ terms and conditions. The  Visa Infinite privacy policy  applies to all benefits and services that require enrollment through, or are otherwise provided by, the Visa Infinite Concierge or the Visa Infinite website. The collection use and disclosure of Cardholders’ personal information by third-party suppliers of services and benefits to Visa Infinite Cardholders are subject to such third parties’ own privacy policies.

® The TD logo and other trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.

* Trademark of Visa International Service Association; Used under license.

© 2023 Expedia, Inc., an Expedia Group company. All rights reserved. Expedia and the Airplane Logo are trademarks or registered trademarks of Expedia, Inc.

Starbucks, the Starbucks logo, and other Starbucks trademarks, service marks, graphics, and logos used in connection with the Offer are trade names, trademarks or registered trademarks of Starbucks Corporation (collectively  “Starbucks Marks” ).

If you exceed your annual spend cap, you'll continue to earn TD Rewards Points at the standard base earn rate on all additional purchases made in that category.

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What is Trip Cancellation and Interruption Insurance and How Does it Work?

The Trip Cancellation and Interruption plan provides coverage for eligible travel expenses in case your trip is interrupted or cancelled. It can be purchased separately or as part of a medical travel insurance plan. Let's dive into understanding the difference between trip cancellation and trip interruption.

What is the difference between trip cancellation and trip interruption insurance?

Sometimes, trip cancellation and trip interruption are used interchangeably but they do cover different aspects of your travel.

A trip cancellation plan provides coverage if your trip is cancelled for a covered reason before you depart for your trip. The benefits could include reimbursing you for the cost of non-refundable travel expenses, like trip deposits and flight change fees, if your trip is cancelled because of a covered cause. 

On the other hand, a trip interruption plan provides coverage after you depart on your trip. The benefits could include paying for your trip home or to your next destination if your trip is interrupted because of a covered cause.

It is good to keep in mind that trip cancellation and interruption plan may not provide coverage for medical expenses you incur on your trip. So, you may want to purchase a travel medical plan if you are looking for travel medical coverage.

The benefits provided under these types of plans vary by insurer. Therefore, it is a good idea to review the plan details before you purchase.

Highlights:

• How does a trip cancellation and interruption insurance plan help?

Why should I purchase a Trip Cancellation and Interruption insurance plan?

What is not covered by trip cancellation and interruption insurance.

• Do I need to get travel medical insurance separately?

Who is eligible for buying trip cancellation and interruption insurance?

• How much does trip cancellation and interruption cost?

Is trip cancellation and interruption insurance worth buying?

Applying for trip cancellation and interruption plan with td insurance, how does a trip cancellation and interruption plan help.

If you've faced any of the covered causes as mentioned in your policy, it would be advisable to report the incident as soon as possible to the insurer. Some policies may require you to report the cancellation or interruption within a specified time, therefore, it is best to review the policy documents to understand the reporting requirements. 

The requirements for a claim are generally to submit the completed claims form along with any required documents and information. If you meet the conditions for a successful claim based on your coverage, you may be refunded or compensated for some of the financial losses you faced. The benefits, limitations and exclusions under a trip cancellation and interruption plan vary by policy and insurer. The best practice is to review the policy

This type of plan can reimburse you if your trip is cancelled or interrupted for a covered reason. Some examples of covered reasons could be:

• Sickness, injury, death, or quarantine of a member of your travel party.
• A delay that causes you to miss or interrupt any part of your covered trip due to weather, mechanical reasons, or travel advisory.
• Loss or damage to your baggage and personal effects due to theft, burglary, fire, or transportation hazards.
• Death or emergency hospitalization of your host at the destination.
• Involuntary loss of permanent employment.

Every insurer has their own list of exclusions and limitations. Also, you should be aware that any benefit paid will be for eligible expenses and only up to the defined limit as per your policy. Here are some of the exclusions you could come across:

• Pre-existing medical conditions
• Self-inflicted injuries
• Getting involved in criminal activities
• Labour disruptions or strikes
• Giving birth to a child during your trip

While these are just a few of the exclusions you may find, it's best to check your insurance policy for a detailed list. Also, you can check with your travel insurance provider if you have questions. 

Do I need to purchase travel medical insurance separately?

As we've discussed above, the trip cancellation and interruption plan doesn't include any benefits for travel medical expenses. A separate travel medical insurance plan can be purchased that could help cover costs for hospitalization or doctor's fees, ambulance services, diagnostic services, prescription drugs or even medical appliances. Several insurers provide a comprehensive bundle such as TD Insurance Multi-Trip All Inclusive Travel Insurance Plan 1 that includes medical and trip cancellation and trip interruption benefits in one plan. 

No matter which insurer you choose, it's always a good idea to check your eligibility before you apply for the plan. Here are some eligibility requirements you may have to meet if you are applying trip cancellation and interruption insurance with TD Insurance:

• You are a Canadian resident
• You are covered by the government health insurance plan of your province or territory of residence during your trip and at the time a claim is incurred.
• Minimum age requirement of 15 days old.
• There are certain medical conditions that could make you ineligible for coverage under a selected plan.

Please read the policy or contact us for more details on eligibility.

How much does trip cancellation and interruption insurance cost?

There are several factors on which the cost of a trip cancellation and trip interruption plan may depend on. A few things that may determine the cost of such a policy are:

• The total cost of your trip. This may include the cost of non-refundable purchases like flights, cruises and hotels or any other prepaid travel arrangement.
• The amount of coverage you wish to purchase
• The number of travelers who will require insurance coverage
• Your age and the condition of your health
• The duration of the trip

Whether you should purchase trip cancellation and interruption insurance depends on your personal circumstances. To determine whether you should purchase this type of insurance, you can consider the following:

• You are travelling internationally or out of your province
• You have multiple layovers as the more connecting flights you have, higher are the chances of facing a cancellation or interruption.
• You are looking to cover the cost to repair or replace your baggage and personal effects due to loss or damage by reason of theft
• You have little to no coverage through your employer provided travel plan or limited benefits with your travel credit card

You can apply for TD Insurance Trip Cancellation and Interruption Plan online 2 . We will let you know of your eligibility provide you with an estimate of how much the coverage might cost based on your response. If you're satisfied with the estimate, you could proceed to purchase.

While experience is a great teacher, it doesn't hurt to get a few tips along the way to help make an informed decision in case of trip cancellations and interruptions. 

FAQs Related to Trip Cancellation and Interruption

Does trip cancellation and interruption insurance only cover the cost of cancelled flights.

The trip cancellation and interruption plan can reimburse you for more than just the cost of flights or other travel arrangements like a cruise. Such plans could also cover the cost of meals, accommodations, taxi transportations if your trip is cancelled or interrupted for a covered reason.  

Different plans could have different benefits, it is important to read the policy carefully before purchasing.

Can I buy trip cancellation and interruption insurance after booking a trip?

Generally, you can purchase trip cancellation and trip interruption insurance after you book your trip. However, you cannot purchase the insurance after you depart for your trip . Please check with your insurer for exact details.

Is it better to purchase an all-inclusive travel insurance package which includes medical insurance, or a trip cancellation and interruption insurance plan?

Whether you get an all-inclusive travel insurance plan, or a Trip cancellation and Trip Interruption plan is up to you. If you do not have travel medical coverage, it could be a good idea to purchase an all-inclusive plan which includes medical and non-medical coverage.  

Is it sufficient if my credit card provides Trip Cancellation and Trip Interruption insurance?

The answer differs based on the type of traveler you are and the coverage that is associated with your credit card. If compared with a trip cancellation and trip interruption insurance policy provided by an insurance company, the one provided by a credit card may or may not fulfill your needs. While planning your next trip you should consider understanding the coverage on your credit card and if it is adequate to cover medical and/or non-medical situations. 

Is there any age restriction for applying for trip cancellation insurance?

There is a minimum age that varies with each insurer. Please check with your insurer for details.

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The content on this page is for general information purposes only and does not constitute legal, financial or insurance advice. Speak to a licensed insurance professional regarding your specific situation. The information contained herein, is subject to change without notice. 

• TD Insurance Multi-Trip All-Inclusive Plan is an individual plan underwritten by TD Life Insurance Company (medical covered causes) and TD Home and Auto Insurance Company (non-medical covered causes). 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.
• TD Insurance Trip Cancellation & Interruption Plan is an individual plan underwritten by TD Life Insurance Company (medical covered causes) and TD Home and Auto Insurance Company (non-medical covered causes). 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.

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TD Bank Travel Insurance Review 2024

Updated: Feb 28, 2024, 7:37am

The travel insurance offered by TD Bank is affordable—but it offers bare bones coverage. This insurance might work best as a supplement to a TD travel credit card , which offers additional protection such as more generous coverage limits, travel accident insurance and delayed and lost baggage insurance . Travellers looking for more comprehensive protection might want to check out the standalone plans offered by TD Insurance, also part of the TD Bank Group.

• Affordable emergency medical coverage
• Couple and family coverage available
• Lower coverage levels than other plans
• Medical questionnaire required at age 60
• No baggage coverage or accident/flight insurance

Table of Contents

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Toronto-Dominion Bank, or TD Bank, is one of the Big Six banks of Canada. The travel insurance policy offerings by TD Bank are stripped down versions of the more comprehensive insurance offered by TD Insurance. The travel insurance offered by TD Bank is only available to clients of the bank.

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).

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

• 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.

TD Bank offers two insurance plans for trips outside of Canada: Travel Medical insurance and Trip Cancellation and Trip Interruption insurance. You can select single coverage, couple coverage (if you are under age 65) and family coverage.

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

Emergency medical treatment includes:

• Hospital accommodation
• Physicians’ fees
• Private duty nursing up to $5,000
• Diagnostic services (if approved in advance) including MRI, CAT scan, sonogram, ultrasound or any invasive diagnostic procedures, including angioplasty
• Ambulance (ground and air)
• Professional fees for treatment by a chiropractor, physiotherapist, chiropodist, podiatrist, osteopath. (up to $300 per profession)
• Medical appliances including casts, splints, trusses, braces, crutches or the rental of a wheelchair
• Prescription drugs
• Emergency dental treatment due to a blow to the face (up to $2,000)
• Emergency dental treatment due to illness, excluding roots canals or damage to dentures (maximum $200)
• Hospital allowance for long distance calls, TV rental when hospitalized for at least 48 hours (up to $50 per day to a maximum of $500)

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 or delays in return due to weather or cancelled flights due to mechanical issues, for example.

Related: Should You Buy Travel Insurance And Is It Worth It?

We’ve highlighted key benefits of TD Bank travel insurance to help you identify which plan is the best fit for you. You can select one or both coverage options.

The price of a TD Bank 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 Bank travel insurance single trip plans for healthy travellers based in Ontario.

• AMA Travel Insurance

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

Related: AMA 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 Bank does not offer any optional riders or add-ons.

Yes. You can save money by buying multi-trip insurance if you travel more than once a year for multiple individual trips. TD Bank’s Annual Plan offers emergency medical coverage for trips of nine, 17, 30 or 60 days. Trip Cancellation and Trip Interruption must be purchased separately.

Here’s how the prices between single trip and multi-trip insurance compare:

Emergency assistance is available 24/7, 365 days of the year via TD Bank’s partner Global Excel Management. 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 $30,000.

TD Bank travel 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 not been any new treatment prescribed or recommended, or changes to any existing treatment (including a stoppage in treatment).
• There has not been any change to any existing prescribed drug (including an increase, decrease or stoppage to the dosage) or any recommendation of starting a new prescription drug.
• The condition has not become worse.
• There have not been any new, more frequent for more severe symptoms.
• There has been no hospitalization or referral to a specialist.
• There have not been any tests, investigation or treatment recommended but not yet completed, nor any outstanding test results.
• There is no planned or pending treatment.

The time period within which your medical condition must be stable depends on your age. For example:

For travellers under age 59 and travellers age 60 to 64 for a covered trip of 29 days or less, TD Bank will not pay any claims due to your medical condition or related condition (whether a diagnosis has been made) that is not stable in the 90 days before your departure date.

For travellers aged 60 to 64 for a covered trip of 30 days or longer,  your condition must be stable for 90 days before your departure date, and you will be assigned to either rate category A or B and charged a higher premium.

For travellers aged 65 and older for all covered trip durations, your condition must be stable for 180 days before your departure date, and you will be assigned to either rate category C, D or E and charged a higher premium.

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 not covered by TD Bank travel insurance:

• A claim against a pre-existing medical condition that is not stable
• Non-compliance to prescribed medical treatment
• Abuse of alcohol, drugs or intoxicants
• Sports and high-risk activities, including scuba diving outside the limits of your certification, parasailing and any extreme sport or activity involving a high level of risk, including bungee jumping, cave exploration or skydiving
• A child born during the covered trip
• Claims related to pregnancy, delivery or complications of either
• Intentional self-inflicted injury
• A claim related to an illegal act
• Any loss resulting from an act of terrorism, war or civil unrest
• Travelling against medical advice or not following medical advice in regards to treatment
• A travel visa not issued in time due to a late application
• Non-emergency, experimental or elective treatment, including cosmetic surgery, chronic care and rehabilitation

Travellers over the age of 65 must complete a health questionnaire. If you respond yes to certain conditions or situations, you will be considered ineligible for any coverage under a policy with TD Bank. Some of those conditions include:

• You have been diagnosed with a terminal illness or metastic cancer.
• You have been advised by a physician not to travel.
• You require ongoing dialysis.
• Over 10 years ago you had surgery for heart bypass, valve replacement or angioplasty
• In the last 12 months you’ve been hospitalized for a heart condition or been prescribed oxygen for a lung condition.
• In the last six months you’ve had a stroke or transient ischemic attack.
• You require assistance with activities of daily living (bathing, toileting, etc.).

In addition, you can apply for this coverage if you:

• Are at least 18 years old on the effective date of your coverage
• Are a resident of Canada
• Are a TD Bank Group customer or the spouse or dependent child of a TD Bank Group customer
• Are in Canada when you buy the coverage
• Purchase coverage for the full duration of your trip

For medical coverage, you also need to be:

• Under 60 years old and purchasing coverage within 240 days before your effective date
• Are covered under a valid provincial or territorial health care plan

You can submit a claim online via the TD Bank travel 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 receipts from all bills and invoices
• Proof of travel
• Medical records included complete diagnosis by the attending physician or documentation by the hospital that the treatment was medically necessary
• Proof of the accident if you are submitting a claim for dental expenses
• Your historical medical records
• Written evidence of the covered caused of cancellation, interruption or delay
• Original unused travel tickets and vouchers

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

TD Travel Bank Travel Insurance (FAQs)

Does td bank travel insurance pay for medical costs upfront.

Yes, in most cases claims partner Global Excel will pay hospitals, physicians and other medical providers directly and “manage the medical emergency from the initial report through to its conclusion.” However, the insurer notes that if a direct payment cannot be arranged, you may be asked to pay for services and then submit a claim for reimbursement.

Does TD Bank travel insurance offer coverage extensions?

Yes. Your coverage is automatically extended for 72 hours starting on the final day of your trip due to carrier delays. If you are hospitalized, your coverage is automatically extended for 72 hours beyond the end of your medical emergency. 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 or you’re not currently seeking treatment.

Does TD Bank travel insurance require a medical questionnaire?

Yes. Travellers over age 65 (or between 60 and 64 or travelling for over 30 days) must complete a health questionnaire that asks you to select any conditions that apply such as: I have been advised by a physician not to travel at this time, I require assistance with activities of daily living, I have been diagnosed with metastatic cancer or a terminal illness, require on-going dialysis, for example. You will also be asked questions regarding your health history for issues such as cancer, digestive tract disease, liver or kidney disease, dementia or Alzheimer’s disease, as well as if you’ve been a smoker (tobacco, nicotine or marijuana) and if you’ve had a medical checkup in the last 18 months. Your answers to these questions will either deem you ineligible for coverage or assign you a higher premium rate.

Does TD Bank travel insurance have any age restrictions?

There is no noted maximum age for coverage but there are restrictions based on your age. For example, travellers over age 65 can not apply for couples coverage.

When does my coverage with TD Bank travel 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, as well as your emergency medical coverage, begins when you leave home.

Can I get a refund with TD Bank travel insurance?

The single trip medical plan is fully refundable if you cancel before the effective date, which is your scheduled departure date. Partial prorated refunds are possible as long as there is no claim made on the policy. All requests must be made in writing or by phone.

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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