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The widest range of travel coverage we offer in one annual plan

The TD Insurance Multi-Trip All-Inclusive Plan conveniently provides coverage for your trips all year round

TD Insurance Multi-Trip All-Inclusive Plan

Planning to travel more than once a year? This annual plan can help provide coverage for medical emergencies as well as non-medical benefits like trip cancellation and baggage delay, for eligible trips throughout the year.

Coverage Highlights

Eligibility

You and any additional travellers are eligible to apply if you meet the following conditions:

• 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.
• The minimum age of coverage for anyone on your policy, including a spouse or dependent children is 15 days old. There is no maximum age limit for you or your spouse. 1
• There are certain medical conditions that could make you ineligible for coverage under this plan. 2
• If you are 15 days to 59 years old, the maximum trip length of each trip for this plan is 60 consecutive days.
• If you are 60 years old or older, you have a choice of selecting the maximum trip length for each trip of 22 or 30 consecutive days.

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.
• Labour disruptions or strikes.
• The birth of any child during your trip.

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

This plan can provide value in more ways than one

• Provides coverage for an unlimited number of trips up to your selected maximum trip duration that you take in a year 4 .
• This plan provides coverage for your spouse and dependent children at no additional cost. 1
• Includes coverage for Trip Cancellation, Trip Interruption, Baggage Delay and Accidental Death and Dismemberment.

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 Multi-Trip All-Inclusive Plan is administered by Global Excel Management Inc. and its subsidiary, CanAm Insurance Services (2018) Ltd. 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). 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. The TD Insurance Multi-Trip All-Inclusive Plan has family coverage and provides coverage 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.

If any of the travellers do not meet these criteria, that traveller will need to complete a separate application for their own policy.

All insured persons may travel independently of one another

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. Individuals with the following conditions are ineligible for coverage: travelling against the advice of a physician, have been diagnosed with a terminal illness or have kidney disease requiring dialysis. Please see the Sample Policy for full details on eligibility.

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. The TD Insurance Multi-Trip All-Inclusive Plan will provide coverage for each covered trip taken within 1 year up to the maximum trip duration you selected when the policy was purchased. If the oldest person on the insurance policy is 15 days old to 59 years old, the maximum trip duration is 60 consecutive days. If you are 60 years and older, the available maximum trip durations are 22 or 30 consecutive days. Mailing Address: TD Life Insurance Company P.O. Box 1 TD Centre Toronto, Ontario M5K 1A2 TD Home and Auto Insurance Company P.O. Box 1 TD Centre Toronto, Ontario M5K 1A2

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TD Travel Insurance Review

• About TD Travel Insurance

TD travel insurance features

Td travel insurance product rating: 2.5 stars, the pros of td travel insurance, the cons of td travel insurance, td travel insurance alternatives.

TD travel insurance is a convenient option for Canadians who are already customers of the big bank, letting you get insurance coverage from a familiar name. You have 3 options when it comes to what type of plan you can get: single trip, an annual plan, or trip cancellation and interruption coverage. Each plan offers your basics to keep you covered on your next trip.

But as we continue to adjust to our pandemic lives, TD travel insurance still hasn't adapted to offer COVID-related insurance, though other banks and insurance companies have. You also may find you're charged a bit more from a big bank than you would be from a smaller company.

Below are the basic features of TD travel insurance.

• Includes pet return and return of dependent children
• Canadian resident

TD travel insurance offers all the basics you need in 3 simple plans. There may not be as many customization options as your other options, but things are streamlined and much simpler when you don't have to choose all the details. You'll also get some less common coverage included, like pet return and return of dependent children.

Being a big bank, TD may not have the cheapest prices on the planet. Usually, you pay a little more for the convenience of working with a big bank. Make sure to shop around before committing to any insurance cost.

Rating methodology

Wondering how we calculate our product rating? First we break down the product into its main features, then give each feature a score out of 5. These scores are based on how it performs relative to similar products on the market, and averaged together to get a final score.

So what are some reasons you'd go for TD travel insurance over your other Canadian options?

Backed by a big bank you trust

As one of the 5 biggest banks in Canada, chances are you already know TD as a reputable company – and this trust is even better if you also have products with them.

3 straightforward plans available

Big banks are all about convenience, and TD travel insurance definitely fits the bill. There may not be very many choices for you, but the quote process is very simple and streamlined – you either get single trip coverage (with or without travel cancellation and interruption) or an annual plan for unlimited trips. Click here to get your quote.

Some unusual coverage included

Though the TD travel insurance plans are pretty straightforward, they do advertise some interesting coverage that you won't see everywhere. The best examples of this are pet return and the return of dependent children. On top of that, they also hit most of the main boxes: medical emergency coverage, hospital accommodations, and bills.

Save 10% with the TD U.S. Dollar account

If you have a TD U.S. Dollar account , there's actually a special discount available for you. You'll get 10% off the premium for the Travel Medical Insurance, which isn't a significant savings, but still a nice touch.

24/7 emergency assistance

If you ever need to contact TD while travelling, they have 24/7 support from anywhere in the world. This is ideal, because it means you don't have to worry about time zones when calling to make a claim.

And of course, there will be a few reasons to encourage you to price-check other travel insurance providers as well.

Trip cancellation and interruption is at extra cost

If you want trip cancellation and interruption insurance, the cost is calculated separately from the standard premium, which is good to keep in mind. In our trial, this part of the insurance cost more than double the standard insurance ($79 for a $1,000 trip, on top of the $39 premium). And since the cost depends on the estimated price of the specific trip, you can't purchase this extra coverage for the annual plans.

No option to cover COVID-related claims

TD has an announcement front-and-center on their website that none of their plans will cover COVID-related claims. There have been other travel insurance companies that have stepped up to provide coronavirus coverage, so it would've been nice to see the same here.

Might not have the cheapest premiums

And since big banks are in favour of convenience, they can sometimes cost more than other online travel insurance companies. As an example, our test run was a 26 year old from New Brunswick going on a $1,000 trip for 8 days. TD didn't ask the destination country, but did give a mid-range price of $39 plus $79.60 for trip cancellation and interruption.

Here's how TD travel insurance compares to other options on the market.

What's covered by TD travel insurance?

TD travel insurance can cover you for all the basics: medical emergency coverage, hospital accommodations, physician's bills, transportation to bedside, pet return, and return of dependent children. If you're buying a simple trip plan, you can also add on trip cancellation and interruption insurance for an extra cost.

How do I get a TD travel insurance quote?

Getting a TD travel insurance quote is actually very easy. All you have to do is answer a few quick questions on the TD website, and you'll get your quote within minutes. Click here for more info .

How do I contact TD travel insurance to make a claim?

If you need to contact TD travel insurance, you can call 1-800-359-6704 if you're in North America, or (416) 977‑5040 if you're anywhere else in the world. They have 24/7 emergency assistance, so you can call them at any time.

Is TD travel insurance good?

Going with TD travel insurance is a safe choice because it's offered by a big Canadian bank that you're likely already familiar with. It offers standard protection with a very straightforward quote tool and plans. But if you're looking for the cheapest plan around, you may want to do some shopping around first.

Editorial Disclaimer: The content here reflects the author's opinion alone, and is not endorsed or sponsored by a bank, credit card issuer, rewards program or other entity. For complete and updated product information please visit the product issuer's website.

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TD Travel Insurance: 9 Things You Need to Know

Are you looking for travel insurance for your next adventure? Look no further than TD Travel Insurance!

Did you know that TD is one of the leading providers of travel insurance in the market? In this article, we will provide you with all the essential information you need to know about TD’s travel insurance policies. We’ll cover everything from coverage options and limitations to specialized policies for different types of travelers.

You’ll also learn about the claim process, customer service, and how TD’s policies adapt to current travel conditions and regulations.

So, whether you’re a frequent traveler or planning a family vacation, read on to discover the top 9 features and benefits of TD’s travel insurance and make an informed decision for your next trip.

Key Takeaways

• TD travel insurance offers comprehensive and flexible policies that cater to various travel needs, including coverage for medical emergencies, trip cancellations, and unforeseen events.
• There is an increased emphasis on digital solutions for managing policies and processing claims in the travel insurance industry, and TD is focusing on offering tailor-made insurance solutions.
• Ethical considerations such as fair pricing and coverage inclusivity are becoming increasingly important in the insurance sector, including travel insurance.
• Best practices in the travel insurance industry include offering a range of coverage options, streamlining the claim process, and integrating technology for better customer experience.

1. Coverage Options and Limitations

In today’s dynamic travel landscape, understanding the intricacies of travel insurance coverage is crucial. TD Travel Insurance emerges as a critical player, offering a spectrum of policies tailored to the evolving needs of modern travelers. This guide delves into the breadth of coverage options and limitations provided by TD, ensuring you’re well-informed for your next journey.

TD Travel Insurance stands out with its versatile range of policies, catering to diverse travel scenarios. From the essential trip cancellation policy to critical medical emergency insurance, TD’s offerings are designed to address the common and unique challenges faced by travelers. This adaptability aligns with current industry trends, highlighting the importance of customizable travel insurance solutions in today’s ever-changing travel environment.

For families embarking on a vacation, adventurers seeking thrills, or business travelers on the go, TD’s coverage plans are meticulously crafted. These plans not only provide standard protections but also include innovative features reflecting the latest in travel safety and security. By integrating these cutting-edge trends, TD positions itself at the forefront of travel insurance solutions.

Furthermore, TD’s commitment to comprehensive coverage extends to ensuring travelers have a safety net against the unexpected. Trip cancellations and medical emergencies, often unpredictable, can significantly impact travel plans. TD’s robust policies provide a shield against these unforeseen events, offering peace of mind and financial protection.

Delving deeper, this guide will explore TD’s specialized policies for various traveler types. By understanding the nuances of each policy, travelers can make informed decisions, ensuring their travel insurance aligns with their specific needs and travel aspirations. Join us as we navigate the complexities and nuances of TD Travel Insurance, equipping you with the knowledge to travel confidently and securely.

2. Specialized Policies for Different Types of Travelers

When it comes to TD Travel Insurance, specialized policies are available to cater to the unique needs of different types of travelers. These policies are designed to provide comprehensive coverage and specific benefits that align with the preferences and requirements of various travel experiences.

Here are two examples of specialized policies offered by TD Travel Insurance:

Adventure Travel Insurance TD:

• Tailored coverage for adventure enthusiasts who engage in activities like hiking, skiing, or scuba diving.
• Protection against potential risks and emergencies that may arise during adventurous pursuits.

Family Travel Insurance TD:

• Coverage is specifically designed for families traveling together.
• Benefits include protection for children, coverage for family emergencies, and options for trip cancellation or interruption.

With these specialized policies, TD Travel Insurance ensures that different types of travelers have access to insurance plans that meet their specific needs, providing peace of mind and protection throughout their journeys.

3. Claim Process and Online Management

TD Travel Insurance offers a streamlined and digital-focused approach to managing your travel insurance policy and claims, providing convenience and efficiency every step of the way. From the ease of online claim submissions to comprehensive digital policy management, TD ensures a smooth and user-friendly experience for all policyholders.

Streamlined Online Claim Process:

• Ease of Filing Claims: TD simplifies the claim process with an online platform, allowing you to file claims effortlessly. This system is designed to be intuitive and user-friendly, ensuring that you can navigate the process without complications.
• Reduced Paperwork: One of the hallmarks of TD’s online claim process is the minimized need for extensive paperwork. This streamlined approach not only saves time but also expedites the claim-handling process.
• Uploading Supporting Documents: Through the online portal, you can easily upload any required supporting documents. This digital submission eliminates the traditional hassle of mailing or faxing paperwork.
• Real-Time Updates: Stay informed about the status of your claim with real-time updates available through the online management system. This feature allows you to track the progress of your claim from submission to resolution.

Digital Policy Management:

TD’s digital platform extends beyond claim submissions. It provides a comprehensive tool for managing your entire travel insurance policy online.

• Access Policy Details: Easily review your policy terms, coverage details, and conditions anytime and anywhere.
• Manage Coverage: Seamlessly update, renew, or modify your insurance coverage as your travel needs change.
• Premium Discounts: Embracing digital management could potentially qualify you for discounts on your insurance premiums, adding value to your choice of managing your policy online.

Benefits of Online Management:

• Convenience: Access your policy and submit claims at any time from any location.
• Efficiency: Quick and easy process for updating policy details and filing claims.
• Environmentally Friendly: Reduces the need for paper-based processes, contributing to environmental conservation.

Credit cards often include benefits such as trip cancellation insurance, which can be a significant advantage for travelers. This type of credit card insurance typically provides coverage for unforeseen events that may lead to the cancellation of a trip, such as medical emergencies or vaccination requirements. Some cards offer additional features like emergency travel medical coverage, family coverage for family vacations, and claims assistance for ease in navigating any insurance claims.

The scope of these benefits can vary based on the territory of residence and the specific terms set by the financial institution issuing the card. Companies like Air Canada might have partnerships with credit card providers, offering specific benefits to cardholders. Administrative services provided by these cards can include assistance with medical questionnaires and legal advice from firms like Samfiru Tumarkin LLP or Adair Goldblatt Bieber LLP, ensuring comprehensive support for a range of needs, from travel to health and legal matters.

4. Comparison With Other Major Insurance Providers

When comparing TD Travel Insurance with other major insurance providers, you’ll find a range of coverage options and excellent customer service. TD Travel Insurance stands out in terms of its comprehensive travel plans that cater to different types of travelers. Whether you’re going on a family vacation, a business trip, or an adventure-filled journey, TD has you covered. In addition, TD Travel Insurance offers customizable insurance packages and multi-trip insurance options for frequent travelers. When it comes to customer service, TD is known for its responsiveness and support during the claim process.

To help you make an informed decision, TD provides travel insurance comparison tools, allowing you to compare their offerings with other providers easily. Moreover, you can find valuable insights from TD Travel Insurance customer reviews, ensuring peace of mind when choosing your coverage.

Coverage Options Customer Service Comparison Tools

Comprehensive plans Responsive support Easy comparison

Tailor-made packages Smooth claim process Transparent information

Multi-trip insurance Helpful guidance Side-by-side analysis

With TD Travel Insurance, you can trust that you’re getting the coverage you need and the support you deserve.

5. Customer Service and Support

TD Travel Insurance places a strong emphasis on delivering outstanding customer service and support. Recognizing the importance of a positive customer experience, TD focuses on efficient claim processing, responsive query handling, and overall customer satisfaction.

Efficient Claim Processing:

• Streamlined Claims Process: TD has optimized its claim process to be smooth and user-friendly, making it straightforward for policyholders to submit claims with minimal hassle.
• Quick Response Time: The customer support team at TD is known for its promptness. They provide timely assistance and guidance, ensuring that any questions or concerns during the claim process are addressed efficiently.
• Accidental Injury Coverage: TD’s comprehensive coverage includes protection for accidental injuries, underscoring its commitment to providing extensive support to travelers in various scenarios.

Responsive Customer Service:

• Timely Query Handling: TD prides itself on its quick and efficient response to customer inquiries. Whether you have questions about policy details or need emergency assistance, the customer service team is equipped to provide knowledgeable and timely support.
• Commitment to Satisfaction: Understanding that customer feedback is crucial, TD conducts regular customer satisfaction surveys. These surveys are pivotal in gauging customer experience and identifying areas for improvement.
• Customized Insurance Options: TD offers customizable insurance packages, allowing customers to tailor their coverage to match their specific travel needs. This flexibility ensures that customers have a policy that best suits their itinerary.

Innovative Coverage Solutions:

• Coverage for Political Unrest: Acknowledging the dynamic nature of global travel, TD also offers coverage for situations involving political unrest. This inclusion provides an extra layer of security for travelers, ensuring they are protected against a broader range of potential travel disruptions.
• Customer Feedback Integration: The insights gained from customer satisfaction surveys are integral to TD’s continuous improvement process. This feedback helps TD refine its services and offerings, ensuring they meet and exceed customer expectations.

In summary, TD Travel Insurance is dedicated to providing a high level of customer service and support. With a focus on efficient claim processing, responsive customer service, and continuous improvement based on customer feedback, TD ensures a supportive and satisfying experience for all policyholders. Whether it’s handling emergencies, addressing policy inquiries, or adapting to the changing needs of travelers, TD’s commitment to excellence in customer service is evident.

6. Adaptability to Current Travel Conditions and Regulations

Ensuring seamless adaptability to current travel conditions and regulations is a crucial priority for TD Travel Insurance.

In response to the ongoing COVID-19 pandemic, TD Insurance offers specific coverage for COVID-related expenses, such as medical treatment and trip cancellation due to illness.

The policies also take into account travel health advisories issued by relevant authorities, ensuring that travelers are adequately covered and protected.

TD Insurance stays up-to-date with the latest travel regulations and adjusts its policies accordingly to provide comprehensive coverage and peace of mind to its customers.

Whether it’s adapting to quarantine requirements or changes in entry restrictions, TD Travel Insurance strives to provide flexible and reliable protection for travelers in these uncertain times.

7. Benefits for Medical Emergencies and Trip Cancellations

Experience peace of mind with TD Travel Insurance’s comprehensive coverage for medical emergencies and trip cancellations. Here are the key benefits you can expect:

• Emergency Medical Evacuation TD: TD Travel Insurance provides coverage for emergency medical evacuation, ensuring that you receive the necessary medical care and transportation to the nearest appropriate medical facility.
• Pre-existing Condition Waiver TD: TD offers a pre-existing condition waiver, which means that if you have a pre-existing medical condition, you may still be eligible for coverage under their travel insurance policies.
• Coverage for Accidental Injury TD: TD Travel Insurance provides coverage for accidental injuries that may occur during your trip, giving you financial protection and assistance in case of unforeseen accidents.

With these benefits, you can travel with confidence, knowing that TD Travel Insurance has you covered in case of medical emergencies or trip cancellations.

8. Premiums, Discounts, and Policy Terms

Choosing the right travel insurance plan requires a clear understanding of the premiums, available discounts, and specific policy terms. TD Travel Insurance offers a range of options to suit various needs and budgets, making it essential to comprehend these aspects for informed decision-making.

Understanding Premiums:

• Factors Affecting Premiums: The cost of your travel insurance premium with TD will depend on several factors, including the duration of your trip, destination, age of travelers, and the level of coverage selected. Premiums are calculated to reflect the risk and the extent of coverage provided.
• Customization and Cost: TD Travel Insurance allows for customization of plans, which means that you can choose the coverage options that are most relevant to your travel needs. This customization can directly impact the cost of your premium.

Group Travel Insurance Discounts:

• Discounts for Groups: If you’re traveling with family or friends, TD’s group travel insurance could be a cost-effective option. Group plans often come with discounts, making it more affordable to insure multiple travelers under one policy.
• Comprehensive Group Coverage: These group policies provide coverage for all members of the group, ensuring that everyone has protection during the trip. This can include medical emergencies, trip cancellations, and more.

Rental Car Insurance:

• Added Protection for Rental Vehicles: TD Travel Insurance includes options for rental car insurance. This coverage is crucial if you plan to rent a vehicle during your travels, as it protects against damage or accidents involving the rental car.
• Understanding Rental Insurance Terms: It’s essential to review the specific terms and limitations of rental car insurance to understand what is covered. This may include collision damage, theft, or other incidents related to the rental vehicle.

Reviewing Policy Terms:

• Coverage Details: Thoroughly reviewing the policy terms will help you understand the extent of coverage provided. This includes what types of emergencies and situations are covered, such as medical expenses, trip interruptions, or baggage loss.
• Exclusions and Limitations: Every insurance policy has exclusions and limitations. Understanding these is vital to avoid surprises in the event of a claim. Some policies may not cover pre-existing medical conditions, high-risk activities, or travel to specific destinations.
• Policy Duration and Extensions: Be clear about the duration of coverage and the process for extending it if your travel plans change.

9. Digital Tools and Resources for Policyholders

With TD Travel Insurance, you can conveniently access a range of digital tools and resources to manage your policy and make the most of your travel experience. Here are some of the digital tools and resources available to TD Travel Insurance policyholders:

Online Policy Management:

• Quickly view and update your policy details online.
• Access your policy documents anytime, anywhere.

Claims Processing:

• Submit and track your claims online for a hassle-free experience.
• Receive updates on the status of your claims in real time.

These digital tools and resources provided by TD Travel Insurance ensure that you have a seamless and efficient experience when managing your policy. Whether you need to compare policies, access global travel protection, or have quick and easy access to your policy details, TD Travel Insurance has you covered.

Frequently Asked Questions

What are the specific coverage options and limitations offered by td travel insurance.

TD Travel Insurance offers specific coverage options for medical emergencies, trip cancellations, baggage loss, and more. However, there are limitations, such as pre-existing conditions and exclusions. It’s essential to review the policy details to understand the specific coverage and limitations provided by TD Travel Insurance.

Are There Any Specialized Policies Available for Different Types of Travelers Under TD’s Travel Insurance?

Yes, TD offers specialized travel insurance policies for different types of travelers. Whether you’re a frequent business traveler, adventure enthusiast, or traveling with family, TD has coverage options tailored to your specific needs.

How Does the Claim Process Work and What Options Are Available for Online Management of the Insurance Policy With Td?

When it comes to claiming your TD travel insurance, the process is simple and convenient. You have the option to manage your policy online, making it easy to view and update your coverage.

How Does TD’s Travel Insurance Compare to Other Major Insurance Providers in Terms of Coverage and Customer Service?

TD’s travel insurance stands out among significant providers for its comprehensive coverage and exceptional customer service. With options tailored to different types of travelers, TD ensures you’re protected against medical emergencies, trip cancellations, and more.

What Kind of Customer Service and Support Can Policyholders Expect From TD Travel Insurance?

You can expect excellent customer service and support from TD Travel Insurance. They are committed to assisting policyholders with their inquiries, claims, and any travel-related emergencies, ensuring a smooth and hassle-free experience.

In conclusion, TD Travel Insurance isn’t just your average travel insurance provider. It’s a superhero in disguise, ready to save the day and protect you from any travel mishaps.

With its comprehensive coverage options, specialized policies, and top-notch customer service, TD has got your back. From medical emergencies to trip cancellations, they’ve you covered.

So, take your time on your next vacation; trust in TD Travel Insurance and have the worry-free adventure of a lifetime!

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Is TD travel insurance the best in 2024?

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Information verified by   Alexandre Desoutter

Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.

Visiting another country or province without travel insurance can be a costly mistake. Indeed, did you know that an overnight stay in a hospital in the United States can exceed $14,000 CAD? Some countries might even refuse to help you if you are unable to prepay for treatment.

It is not fun to think about, but travel insurance is a necessity when you are away from home . It guarantees your ability to get and pay for health care, if and when you need it. Beyond medical emergencies, travel insurance can also help with flight issues and lost luggage, amongst other things.

That being said, what to think about TD travel insurance in Canana? What coverage is TD providing? For what price? What are its pros and cons? Read our review on TD's medical travel insurance, get a quote, and see how the competitors fare.

Our 2024 review of TD travel insurance

TD Bank, or the Canada Trust Bank, is one of Canada's largest financial institutions.

Besides financial services, TD Bank is a trusted insurance provider offering travel insurance among other products.

See below TD's travel insurance pros and cons:

Why TD could be right for you:

TD Bank is a trusted insurance brand Offers both single trip and annual insurance plans High coverage amounts available

Why TD may not be right for you:

Only open to Canadian residents Required to have a provincial health plan

Before choosing TD travel insurance, compare options and quotes. A little shopping around can help you to save money and find a coverage that really fits your needs:

Compare the best travel insurance plans on the market!

What does TD travel insurance cover?

Td single trip plan.

• TD's medical travel insurance covers you for the following:

TD Annual Travel Plan

• This travel insurance covers you for the following:

TD Trip Cancellation/Trip Interruption Insurance

Td bank card travel coverage.

• TD Bank offers several bank card options with travel coverage, such as:
• TD Cash Back Visa Infinite Card

For more information on TD travel insurance, download the PDF below:

Good to know

Most credit cards offer some king of travel coverage . It rarely is as covering as a travel plan purchased with a private insurance company.

How much does a travel insurance with TD cost?

The cost of travel insurance coverage with TD depends on several variables:

• Your desired coverage and otpions.
• Your deductible.
• Your waiting period.
• Your destination(s).
• The lenght of your trip.

Therefore, we advise you to get a customized quote for an accurate rates for TD travel insurance.

Before settling on TD travel insurance, check out other travel insurance plans, coverages and prices using our free comparison tool below:

How to purchase a travel insurance plan with TD?

Purchase TD's health travel Insurance:

• Online through TD's dedicated travel insurance website. You could get a travel insurance quote on TD's website.

How to file a travel insurance claim with TD?

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

• If you prefer to send paper documents, please send them to the following address: Global Excel Management Inc. 73 Queen Street Sherbrooke, Quebec J1M 0C9

Does TD cover Covid-19-related travelling issues?

Within Canada, Covid-19 related medical claims are eligible for coverage if they are not already covered under your provincial health insurance.

Outside of Canada, claims originating in countries under an "Avoid non-essential travel" or "Avoid all travel" advisory before your travel date are not eligible.

Trip Cancellation and Trip Interruption insurance are eligible for reimbursement should you test positive for Covid-19 and are unable to travel.

How can I contact TD travel insurance?

For emergencies:

• For general inquiries: 1-800-293-4941**

Save up to 25% on your travel insurance with our partner soNomad

Get a quote

1-888-550-8302

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.

• Travel Insurance

Best Travel Medical Insurance Of 2024

Fact Checked

Updated: Feb 15, 2024, 11:47am

If you’re going to have family or friends from another country visit you, they should plan to buy travel medical insurance. Health insurance from other countries isn’t usually accepted in the U.S. and the cost for medical treatment in the states can add up quickly.

Travel medical insurance, also called visitors insurance, can provide financial compensation for a visitor’s medical expenses if they get sick or injured during their trip to the U.S. We evaluated visitors insurance policies to find the best travel medical insurance.

Why you can trust Forbes Advisor

Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate insurance companies, so all companies are measured equally. You can read more about our editorial guidelines and the methodology for the ratings below.

• 9 comprehensive travel medical insurance plans researched
• 126 data points analyzed
• 96 years of insurance experience on the editorial team
• Best Travel Insurance Companies
• Cheapest Travel Insurance Plans
• Best Senior Travel Insurance
• Best Covid-19 Travel Insurance Plans
• Best Annual Travel Insurance

The Best Travel Medical Insurance for Visitors to the U.S.

Summary: best travel medical insurance for visitors coming to the u.s., what is travel medical insurance, what does travel medical insurance cover, what isn’t covered by travel medical insurance, does travel medical insurance cover pre-existing conditions, how much does travel medical insurance cost for visitors to the u.s., methodology, best travel medical insurance frequently asked questions (faqs), compare travel medical insurance quotes.

• Atlas America  – Best Overall
• Patriot America Lite  – Best for Cost
• Patriot America Plus  – Great for Trip Interruption Insurance
• Safe Travels USA Comprehensive  – Best for Deductible Choices
• Seven Corners Travel Medical Basic USA  – Best for Urgent/Emergency Care Reimbursement

Best Overall

Atlas america.

Eligible ages

14 days to 99 years

Coverage length

5 days to 364 days

Extendable?

Yes, up to 364 days

Atlas America’s comprehensive policy hits all the high marks for benefits across the board—including high coverage limits, a generous selection of deductible amounts and great trip interruption coverage.

• Competitive costs.
• Excellent trip interruption benefits of $10,000.
• High coverage limit of $2 million available.
• Generous choice of deductible amounts.
• Out-of-network services covered at 100%.
• Pre-existing medical conditions not covered (though acute onset of pre-existing medical conditions is covered).
• $200 copay for emergency room care
• Choices of coverage maximums: $10,000, $50,000, $100,000, $250,000, $500,000, $1 million, $2 million.
• Choice of deductibles: $0, $100, $250, $500, $1,000, $2,500, $5,000.
• Network used: United Healthcare PPO.
• Coverage for in-network urgent care: $15 copay, 100% thereafter up to policy maximum.
• Coverage for out-of-network urgent care: $15 copay, 100% thereafter up to policy maximum.

Best for Cost

Patriot america lite.

Coverage amounts

5 days to 365 days

Yes, up to 365 days

If low cost and robust trip interruption benefits are important to you, the America Lite policy from Patriot is worth checking out. Its prices are significantly lower than the competitors we assessed, which can make up for out-of-network care at only 80% coverage until you surpass $5,000 in services.

• Lowest cost among the policies we evaluated.
• Generous trip interruption benefits of $10,000.
• Decent choice of deductibles and coverage limits.
• The only plan among those we evaluated that does not cover acute onset of pre-existing medical conditions.
• Standard care, urgent care and emergency care out-of-network are only covered at 80% for the first $5,000 in services.
• Choices of coverage maximums: $10,000, $50,000, $100,000, $500,000, $1 million.
• Choice of deductibles: $0, $100, $250, $500, $1,000, $2,500.
• Coverage for in-network urgent care: $25 copay, 100% thereafter up to policy maximum.
• Coverage for out-of-network urgent care: $25 copay, 80% of the first $5,000, 100% thereafter.

Great for Trip Interruption Insurance

Patriot america plus.

The America Plus plan by Patriot provides decent coverage at a good price and includes generous trip interruption benefits. The low price may make up for out-of-network care being covered for only 80% for the first $5,000 in services.

• Low cost compared to other top-rated companies.
• Ample trip interruption benefits of up to $10,000.
• Does not cover pre-existing medical conditions (though does cover acute onset of pre-existing medical conditions).
• Coverage for out-of-network urgent care: $25 copay, 80% of the first $5,000,100% thereafter.

Best for Deductible Choices

Safe travels usa comprehensive.

1 year to 89 years

Safe Travels USA’s comprehensive plan has top-notch benefits at a decent price. These include the most choices for a deductible among the travel medical insurance policies we evaluated. It also provides 100% coverage for out-of-network care and 100% coverage for emergency and urgent care.

• Competitive cost.
• Urgent care and emergency room care out-of-network covered at 100% after copay.
• Most choices for deductibles among plans evaluated.
• Trip interruption coverage of $5,000 is low compared to some competitors we evaluated.
• Acute onset pre-existing medical conditions covered, but not pre-existing conditions.
• Dental benefits of $250 are lower than some competitors.
• Choices of coverage maximums: $50,000, $100,000, $250,000, $500,000, $1 million.
• Choice of deductibles: $0, $50, $100, $250, $500, $1,000, $2,500, $5,000.
• Network used: First Health PPO.
• Coverage for in-network urgent care: $30 copay, 100% thereafter up to policy maximum.
• Coverage for out-of-network urgent care: $30 copay, 100% thereafter up to policy maximum.

Best for Urgent/Emergency Care Reimbursement

Seven corners travel medical basic usa.

If you value having urgent care and emergency room care covered at 100% over coverage for pre-existing conditions and Covid, Seven Corners’ Travel Medical Basic USA plan is worth checking out.

Related: Seven Corners Travel Insurance Review

• Competitive price and coverage amounts up to $1 million
• Urgent care (in-network and out-of-network) covered at 100% after copay
• Emergency room care (in-network and out-of-network) covered at 100% after copay
• Does not cover Covid-related medical expenses or pre-existing medical conditions (but covers acute onset)
• Out-of-network standard care only covered at 80% for first $10,000 of care, compared to others at 100% or 80% for first $5,000
• Trip interruption benefits are low at $2,500
• Choices of coverage maximums: $10,000, $50,000, $100,000, $1 million
• Choice of deductibles: $0, $100, $250, $500, $1,000, $5,000
• Network used: United Healthcare PPO
• Coverage for in-network urgent care: $30 copay, 100% thereafter up to policy maximum
• Coverage for out-of-network urgent care: $30 copay, 100% thereafter up to policy maximum

Travel medical insurance for visitors to the U.S. provides short-term medical coverage It compensates you up to the policy limits for medical expenses if you get sick or injured during your trip.

Sometimes called visitors insurance, these policies are designed for non-U.S. citizens traveling to the U.S. for trips lasting a few weeks or a few months, up to a year. For example, travel medical insurance is a common type of travel insurance for parents visiting the U.S . whose adult children live here.

Americans traveling abroad can also buy travel medical insurance for themselves, often as part of comprehensive travel insurance policies that cover trip cancellation, travel delays and much more.

A comprehensive travel medical insurance policy for visitors to the U.S. generally covers inpatient and outpatient services, urgent and emergency medical services and other health care, as well as a range of other types of care. This can include:

• Emergency dental coverage
• Emergency medical evacuation
• Emergency medical treatment for pregnancy complications
• Mental disorders
• Prescriptions/medication

The list of exclusions varies by insurance policy but can include:

• Cosmetic and elective surgeries
• Injuries due to extreme sports
• Intentional self-inflicted injuries
• Suicide or attempted suicide
• Injury or illness while over the legal limits for alcohol

Be sure to review your policy for details on what conditions and activities are not covered.

Some travel medical insurance policies cover pre-existing medical conditions—and it’s usually with coverage caps—but not all do.

Many travel medical insurance plans for visitors to the U.S. cover the acute onset of pre-existing medical conditions. This coverage generally provides necessary emergency care for a medical emergency that is life threatening or requires immediate medical treatment if you experience a sudden and unexpected outbreak or recurrence of a pre-existing condition. There are coverage limits, so be sure to read the details of the policy.

Compare & Buy Travel Insurance

Travel medical insurance is relatively affordable considering that you can buy high coverage amounts for long trips to the U.S. Costs will depend mainly on the visitor’s age, trip length and the medical coverage amount and deductible chosen.

To identify the best travel medical insurance for visitors coming to the U.S ., we scored only comprehensive travel medical plans on the following criteria:

Cost (50% of score): Plans with lower costs were awarded the most points.We analyzed average rates for:

• A 70-year-old traveler from India coming to the U.S. for 90 days, with coverage of $100,000 with a $250 deductible (or closest deductible).
• Two travelers ages 60 and 65 coming from India to the U.S. for 30 days, with coverage of $50,000 with a $100 deductible (or closest deductible).

Trip interruption benefits (10% of score): Points were awarded if policies included $10,000 or more in trip interruption benefits. If a visitor has to cut their trip to the U.S. short and return home, this coverage can pay the costs. The reason for the trip interruption must be listed in the policy in order to make a claim.

Choices of policy maximum coverage amounts (10% of score): Points were awarded if the policy had maximum medical coverage amounts of $500,000 and up.

Urgent care out-of-network reimbursement (10% of score): Policies that cover out-of-network urgent care at 100% (after copay) earned points.

Emergency room out-of-network reimbursement (10% of score): Policies that cover out-of-network emergency room care at 100% (after copay) earned points.

Emergency dental care (10% of score): Points were awarded if emergency dental care coverage was $300 or more.

Get Forbes Advisor’s ratings of the best insurance companies and helpful information on how to find the best travel, auto, home, health, life, pet, and small business coverage for your needs.

Do I need travel medical insurance if I have health insurance?

Visitors to the U.S. need travel medical insurance if they want to be reimbursed for medical expenses if they get sick or injured here. Health plans from other countries aren’t usually accepted in the U.S.

You also need travel medical insurance if you are a U.S. citizen taking a trip to another country. U.S.-based health plans will have limited or no coverage in foreign countries, so it’s prudent to consider medical insurance for trips abroad.

Does travel medical insurance cover Covid?

Many travel medical plans cover Covid-related medical expenses, but not all do. For example, the Travel Medical Basic – USA plan by Seven Corners does not cover Covid. Be sure to check the details of your policy to see if Covid is covered like any other illness.

How far in advance should I purchase travel medical insurance if I’m coming to the U.S.?

It’s prudent to purchase travel medical insurance before you get to the U.S., so that you have medical coverage in place. Occasionally a policy will require purchase at least 30 days in advance if you want certain features, such as a rider to cover pre-existing conditions.

Is travel health insurance ever required?

Travel health insurance isn’t required to enter the U.S. Still, it can be a smart purchase so that you don’t end up with thousands of dollars in medical bills after an injury or unexpected illness while you’re visiting the U.S.

What types of travel insurance are available for visitors to the U.S.?

Visitors travel insurance most commonly refers to international travel medical insurance plans designed for non-U.S. citizens who are visiting the U.S. for a period of time—typically less than one year.

There are two main types of visitors travel insurance:

• A limited policy, also called a fixed benefits policy. Fixed benefit plans are more affordable but have limited coverage. These plans have a maximum fixed coverage amount for each medical service or condition.

• A comprehensive policy. Comprehensive plans are more expensive but provide more robust coverage than limited plans.

Next Up In Travel Insurance

• Best “Cancel For Any Reason” Travel Insurance
• Best Senior Travel Insurance Plans Of August 2024
• Average Cost Of Travel Insurance
• How To Get Cheap Travel Insurance

Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine editor covering consumer technology, a foreign correspondent for Time and various newswires and local newspaper reporter.

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TD incresed ny home monthly by 50% 6 months after start of contract !!!

This is my 2nd year with TD and never submitted any claims with them. They decide to increase my home insurance monthly payment by more than 50 % 6 months after the start of my second year contract . I have been trying hard to convince them to cancel the contract with no penalties but no answer. People who answer you do not have the authority or the competence to make decisions. A complete disappointment.

Date of experience : March 13, 2024

Stay away from TD if you have an EV

I would give negative stars if i can. Looking to switch auto and ome insurance after 15+ years. I have an auto claim where i was rear ended by the truck on a hwy and with police report, a few weeks later I still have no proof I am not at fault from TD insurance. I provided the other driver insurance during the initial call. Stalling, not providing information, refusing to communicate in person, email corespondence vague and incorrect and not answering simple questions like apraiser estiamte document that my body shop needs to see why such a big difference in cost estimate. The "best" part is that my adjustor who refuse to provide the apraiser contact and TD cost estimate document, pushes me to the point of being threathening, to repair my brand new EV in the TD body shop that didn't repair a single vehicle model I own. There is only one body shop for my EV in the whole province with licensed tecnhicians for my EV and this adjustor is implying TD will not pay. It looks to me that at least TD auto insurance is lagging behind when it comes to EV vehicle repairs since the repairs also include recalibrations and full system reset that may not be included in the estimate.

Date of experience : March 26, 2024

I just had a claim with td insurance

I just had a claim with td insurance. I had the worst adjuster ever. Her communication was lacking and she was soo rude. I called her and her call disconnected. She then called Me on a private line and was so rude to me. She said I was racist because I was having a hard time understanding her speech. She then tried to preach the Bible on me and tried to talk me out of being gay. Td hire more professional people. CHARMAINE SHETTLESWORTH BE A HUMAN.

Date of experience : April 01, 2024

Horrible communication

Our house flooded 3 months ago. We have just had a contractor start, the house is still un-livable. We are on our second advisor and he is worse than the first. There is no communication. Our dog sitter has not been paid in 5 weeks. We don't know from one week to the next where we will be staying as they wait last minute to approve extensions at our airbnb. We can't access our clothes because we can't reach our advisor. We have called his boss and then we get an email but it doesn't last. The people they sent to evaluate and fear down have broken our front door, back door and kitchen window. If I could give them minus stars I would. I am not giving up and will be trying to reach our advisor's boss which I really hate having to do. I would not recommend them. STAY AWAY!

Date of experience : January 11, 2024

Filed a claim

Filed a claim. The service was so bad. They do not return calls and they do not answer questions. The adjusters were blaming each other and they did not know where our vehicle was. It took 15 days to get vehicle from storage to repair shop

Date of experience : April 03, 2024

Worst Travel Insurance Ever - Stay way from TD

If I could give negative stars I would. Absolutely the worst customer service experience ever!! I submitted a travel claim with all the proper documentation in August and it's now March and have yet to hear anything about my claim. I call every couple of weeks and am given the run around. This company should not be in business. Shame on TD for partnering with them. It looks very bad on you.

Date of experience : March 11, 2024

Early home insurance premium deduction

I recently applied for home insurance with TD Insurance. The received policy is to start on February 6, 2024. Contained on the policy is a billing date of February 6, 2024, however my credit was debited on January 8, 2024. How can they take payment for almost a whole month without providing coverage? This does not appear to be fair to me so I have today submitted a complaint to TD Insurance for an explanation. Edit: I am updating my score from 1 to 3 star because TD Insurance called me, even though I requested an email response, and provided an explanation to my complaint. Apparently a policy is billed at the time an online application is made. This was not made clear to me at the time when I made the online application. However, I appreciate that TD Insurance did not ignore my complaint.

Date of experience : January 24, 2024

Awful Customer Experience... Slime Fest

Moved my home insurance over to TD to bundle with my two vehicles. The first payment was security flagged and by the time I found out and called to rectify 2 weeks later, the TD advisor said that I could only keep the policy by paying for one full year in advance instead of month-to-month. I pushed back to no avail. So, I reluctantly went ahead to avoid ~$500 in penalties that would apply if I cancelled the policies & switched to another insurance provider. The agent was apologetic but ultimately this was a 'mask off' moment and quite frankly I regret bundling my insurance with TD.

Date of experience : February 14, 2024

HOME INSURANCE CLAIM FOR TORNADO DAMAGE

HOME INSURANCE CLAIM FOR TORNADO DAMAGE My property was damaged during by a tornado which occurred in May 2022 in Bell's Corners, Ottawa. The claim involved the removal of two damaged trees and replacement of the roof. The biggest complain I have was having to go through 5 different claim assessor during the whole process (TD hired temporary help to go through the large number of claims that resulted from the storm). This resulted in information being lost between assessors. But despite a few screw-ups, TD ultimately honored their insurance and paid up for all damages, minus the $2000 deductible which was part of my insurance package. I think you only really find out how good (or bad) your insurance provider is when YOU call THEM to make a claim. The process was not smooth, in large part because my file was shuffled from assessor to assessor. But in the end, TD paid up and that is what ultimately matters.

Date of experience : June 22, 2023

Deal with this company was in the end…

Deal with this company was in the end great. My claim of travel cancellation due to sickness was accepted and they refunded the money as soon as I submitted the whole documentation need it. Initially, I was a little frustrated but in the end, I realize this was a hectic process. My claim took 3 months. I got the travel insurance through Td visa aeroplan infinite and I highly recommend it

Date of experience : November 24, 2022

Submitted an auto claim - disaster!

Submitted an auto claim, website makes it sound like a concierge service. Nothing could be further from the truth! Passed from department to department, only given 1 email for contact at any time. If they choose to ignore you for a week at a time, that's your problem. Calls constantly go to voicemail - agents do not call back. To actually talk to a person means you are on hold for 30-90 minutes - this is with a filed claim. Sent us a pay out document only to be told a week later that the numbers were inaccurate an we owned money back and the initial agreement (signed) was not valid. Asked to speak to another advisor (note you get one, no one else will talk to you), was told a manager would call me back today, didn't happen. Mechanic is asking us what is going on! All we know is that our pay out has been rescinded and no one will get back to us. There is a complaint system, but you need to reach a conclusion with the department you are talking to, who are not willing to communicate.

Date of experience : January 31, 2024

I went online to get a quote for home insurance…

I went online to get a quote for home insurance (already have car insurance). The computer told me to enter my address. I did several times and it told me each time to enter a valid address. I tried calling and the automated voice would not accept my birthdate. I tried calling my TD bank branch in Fredericton and was treated as a total idiot. "Did you put in your correct address, (TD has been sending my bank statements here for 35 years) did you give them your real birthdate?" I asked for a Tel # that I could speak to someone and got the same phone numbers I had already tried. I am so fed up I am cancelling everything with TD. I know I am a senior but they treated me like I was totally stupid. They are Ignorant, disrespectful and downright rude.

Customer experience - on a downward spiral

I have 2 policies with TD that renew at different times. For the ease of renewal, I have a valid CC on file. One policy was automatically renewed using the CC on file but the other was not. Why the 2nd policy was not automatically renewed using the CC file remains a mystery. TD instead thought it wiser to send me threatening letters (by post! regular and registered) without considering the fact that I may be out of country and cannot receive/see any mailed correspondence. In addition, I agree their premiums are also beginning to go up and I'm not likely to renew any of my policies going forward with them. And even if their premiums are competitive, their customer service sucks! And that's enough to still make switch.

Date of experience : December 02, 2023

TD TRAVEL INSURANCE STAY AWAY FROM THIS COMPANY

This insurance company should be fined for wrongful doings as for being fair and responsible for the contract they sell ? They do not abide with the contract and give you the runaround until you give up or just walk away .People please do a petition and go public to get this across to others as other wise these people will keep doing this over and over .We are also victims of these persons and have lost a lot of money but every where we loo its the same .So get your computers going and make calls and inquiries to your local tv and go international so every one knows ok .PLEASE DO THIS OR IT WILL NEVER CHANGE

Date of experience : December 21, 2022

After years as loyal customer with TD…

After years as loyal customer with TD Home and Auto Insurance without any claim, they doubled the value of my house to double my premium, even if my house doesn't worth the new value of TD, I just changed TD to another company to save a lot of money. I don't recommend TD.

Date of experience : October 03, 2023

Worst TD travel insurance service - GlobalExcel

I reported a medical claim during my travel at the beginning of January 2023 with my TD First Class Travel Visa and waited for 1.5 hours to get the phone answered. They didn't want to take time to record my claim and just transferred me to another line which never got answered by anyone. I had to file a claim online later but never heard anything back after submitting all documents except a confirmation email that said the files were received. There's no other way to contact TD Insurance/Global Excel except by phone call which takes about 1 hour to wait. This is very disappointing. I will cancel my card and move to another bank.

Date of experience : January 01, 2023

Poor communication and processing; untimely

I filed a modest claim for trip delay expenses, and months later received an emailed letter stating there was missing information. I called Global Excel to see what was missing, as all receipts and filings had been done, and was advised to call TD for verification of coverage. Upon doing so, the TD agent referred me back to Global, stating they don't do that. Likely the hang-up in the system was caused by a change in my Visa number after the trip purchase, but that shouldn't leave me without a way to get reimbursement. Long hold times, nice agents, but no progress after being ping-ponged between Global and TD. Currently on hold and re-evaluating my credit card loyalty.

Date of experience : January 26, 2023

Poor knowledge, high prices

I needed a car insurance, so I got a quote online. I tried to call, because I wanted a trailer insured as well, but could hardly understand the person due to extremely poor sound quality. In addition, the representative had poor knowledge of even the very basics, telling me that a G licence is not a full licence (false) and that they can't take my 30-year experince into account if I have a G licence. Then I was cut off on their end and they never called me back, which is just as well, as I have absilutely no reson to deal with them. The rate quoted was double of the next company I called. The automated answering system is absolutely useless, it does not understand even clearly spoken English and makes it virtually impossible to get through to a representative. There are just too many red flags with this company. I tried to call the claim department, which shoudl be open 24/7, only to be told that their office closes at 4pm. I thikn the automated system is misdirecting calls to the regular office, so good luck calling your insurance in the case of an accident after business hours.

Date of experience : June 01, 2023

Horrible to deal with and expensive

Horrible to deal with and expensive. All their jobs shipped to India, so always speaking with people who's first language is not English (which may be part of the problem). They have no interest in you as a long-term client, just short-term transactional focused. We were home+auto customers for 18+ years but the rates kept creeping higher and higher than competition. They act offended when you ask them to lower their rates to at least competitive levels. After you cancel they deny you cancelled, and will bill you for time you were insurance with someone else. (We asked them to play back the call where we cancelled but they can't find the call..which they say they record "quality assurance"). Then they send that bill to collections to affect your credit rating (even though they can see you were covered by a different carrier). Then they mark you as a 'delinquent' customer on database shared with other insurers which doubles all your insurance rates. I made countless calls to them but no one seems to care. I am fighting with a debt collector now, and the internal insurance "customer" database. They just want your money, anything else they just forward you around the call center. TD used to be a good company, but this is not the same company it was 20 years ago. Look elsewhere. In my opinion TD Insurance has become a fly-by-night Indian insurance company with poor ethics, poor customer service, high rates, and terrible business practices.

Date of experience : February 01, 2024

Disappointed, angry and taken advantage of by TD Insurance

I've purchased TD Insurance for my Condo for the past 6 years. The renewal letter and rate for May 31, 2023 showed the annual premium had increased by 53%. I went online to make changes (reduce coverage) and was not successful, so I phoned. I was told I could not Decrease the insurance! So I paid the premium that was on my renewal letter. I then received in the Mail, a bill for an additional $46. that I wanted to dispute... they have NO Email and the chat bot was useless. Needless to say, they got me this year, but Never Again.

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