A Frequent Flyer Surprise: Expedia® For TD

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Last updated on May 31, 2022 Comments: 35

For frequent flyers who love using Expedia to book cheap flights, hotels, and exclusive travel deals, TD First Class Travel® Visa Infinite* Card may be the most rewarding and flexible credit card in Canada.

You’ll be able to redeem your rewards to book any airline, hotel, cruise, or package available on Expedia at the best prices available, with no black out dates or restrictions. You’ll also get Expedia’s price match guarantee, ensuring you’ll never lose out if you find a better deal. Or, you can simply redeem your points for almost any travel related expense on your credit card statement. That’s a heap of flexibility and value.

Perhaps best of all, the TD First Class Travel® Visa Infinite* Card allows you to earn a higher reward rate of 4.5% than if you used the WestJet RBC World Elite Mastercard to book a WestJet flight (2%), or one of the Aeroplan credit cards to book an Air Canada flight (2%~) – That’s more than DOUBLE the value, as in 2X, as in a 100% increase in your earn rate.

Even with that great rewards rate of 4.5% from the TD First Class Travel® Visa Infinite* Card, you still get to use your WestJet Rewards, Aeroplan, or VIPorter loyalty number when booking flights through Expedia® For TD, allowing you to double dip and max rewards. Why more Canadian frequent fliers don’t use this credit card is a mystery.

Not to be outdone, the card also offers a roster of premium travel insurances including 21 day out of province/ out of country travel medical insurance. (If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip) trip cancellation, trip interruption, and car rental insurance – making it a great travel companion.

Maximizing Value Through Expedia

All said, the TD First Class Travel® Visa Infinite* Card offers the best value for those who have a lot of travel related credit card expenses and are willing to book and redeem their travel through Expedia® for TD. For those travelers, this card remains the most valuable and flexible rewards card in Canada.

Earning Points

On the earn side, the program is two programs in one. If you book travel online through Expedia® For TD you will earn 9 TD Points per $1 spent (4.5% return rate). For all other spend you will earn 3 TD Points per $1 spent (1.5% return rate).

Redeeming Points

When redeeming points, this card is also really two reward programs in one. In the first, you can redeem your points through Expedia® For TD, where each point will be worth $.005. In the second, you can redeem your points for almost any travel related expense appearing on your credit card statement, where each point will yield a value of $.004.

Maximizing Point Value:
Here’s a simple way of seeing your earn rate per dollar spent given different spend and redemption combinations:

 Spend on ExpediaAll Other Credit Card Spend
Redeem on Expedia$.045 / 4.5%$.015 / 1.5%
Redeem for Any Other Travel Expense $.036 / 3.6%$.012 / 1.2%

What this clearly shows is that the TD First Class Travel® Visa Infinite* Card offers the best value when you spend on Expedia® For TD and redeem on Expedia® For TD. But for all the flack the card has taken for devaluing its non-Expedia redemptions, they can still be worth 3.6% for your Expedia spend, which remains unparalleled value.

As we said above, you can still use your Aeroplan, WestJet Rewards, VIPorter or other frequent flyer loyalty number in combination with your Expedia bookings. This will allow you to accrue both the 4.5% earnings PLUS the earnings from your travel loyalty card – a real double dip.

Expedia.ca Flexibility & Lowest Price Guarantee

One of the frustrations people have with a WestJet, Aeroplan, Hilton or Marriott loyalty program is the limitation it places on your ability to finder cheaper or more convenient alternatives. To earn on travel spend, you have to book through their brand, and to redeem your points or miles, you have to book through them (alliance partners aside).

The advantage of booking and redeeming through Expedia, is that you get to choose the cheapest flight available, get the highest reward rate of 4.5%, and the most convenient flight to your schedule – no more compromises – both when earning AND redeeming.

You will also be able to book or redeem for any of Expedia’s Daily Deals, Last Minute Travel Deals, and Seat Sales through Expedia® For TD, without any surprise surcharges or booking fees.

Lastly, if you do find a lower price for the same flight somewhere, Expedia® For TD will match it and give you a $50 credit.

Expedia® For TD Ease of Use

The card is simple to use when redeeming through Expedia® For TD. Your point balance, and their dollar value are displayed at the top of your screen. You can then choose to apply your points in $50 increments to your selected travel purchase.

Expedia For TD Final

You can also pay any combination of points and cash you’d like.

If you want to redeem for any travel purchases outside of Expedia® For TD, it’s just as simple. Call TD rewards within 90 days of your travel related purchase, identify which travel items you want your points allotted to and voila your done. You can redeem in $1 increments outside of Expedia.

Worth It?

This is the best credit card in Canada for you if a lot of your credit card spend is currently on travel, your willing to book your travel through Expedia® For TD, and you’re willing to redeem your travel points through Expedia. Done that way, this card offers an unparalleled earn rate of 4.5%. That means you’ll earn more on a WestJet or Air Canada flight using the TD First Class Travel® Visa Infinite* Card, than you would if you used any WestJet or Aeroplan credit card – 2X more.

Apply by October 29, 2022 to earn up to 100,000 TD Points (a travel value of up to $500 when you book travel purchases through ExpediaForTD.com) and get a full Annual Fee Rebate for the Primary and Additional Cardholders (a value of up to $170) for the first year. That’s a total value of $670.

  • Welcome Bonus of 20,000 TD Points when you make your first Purchase with your Card.
  • 80,000 TD Points when you spend $1,500 within 90 days of Account opening.

To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.

This offer is not available for residents of Quebec. For Quebec residents, please click here.

Terms and conditions apply.

Author Bio

GreedyRates is Canada’s go-to resource for all things personal finance. Our expert articles and videos cover every topic under the financial sun, including credit cards, credit scores, loans, bank accounts, budgeting, investing, RSPs, TFSAs, GICs, taxes, and more. Want our advice on a personal finance issue? Send us an email at [email protected] and we’ll gladly give you some free tips.

Article comments

35 comments
Amanda says:

Hi, I’m comparing this card(business version) with the TD business Aeroplan. I’m trying to weigh convenience as well as benefit rates. We definitely shop through Expedia but carefully compare rates and sometimes end up booking direct. I know this can be corrected as Expedia price matches, and shopping for best rate is still worthwhile.
However, when I compare the points/miles calculation on TD’s handy estimation guide, it seems the Aeroplan card goes a lot farther, as in, the same spending on each card will get more flights in the end through Aeroplan. Does this ring true? I’m new to Aeroplan so I don’t know how restrictive or inconvenient it is for booking, whether flight carriers are limited etc or booking requires a phone call etc.
So basically, if I enter our rough spending plus the welcome bonuses, Aeroplan looks like we’d get about 5 flights (125000 miles) per year, whereas the travel visa Expedia points convert to only about $700 credit. Does this sound right? Are there drawbacks to the Aeroplan program I’m missing? Cuz I’m about to sign up with the Aeroplan card and plan some trips if not…

Aaron Broverman says:

Hi Amanda,
That rings true to me. However, Aeroplan is currently changing their program after its split from Air Canada, so this is a time of upheaval. Not that this matters to you, since the new program will be your reality and you won’t know any different. Be aware that Aeroplan points vary in value depending on when you fly and when you’re booking. There are also some blackout dates that you cannot fly on, but this is pretty typical of most loyalty programs. They are generally very opaque in terms of how rates and point cost is calculated.

Lance says:

So, if I’m booking a flight on Expedia for TD, it offers to use my EXISTING points for against that cost. Should I do that, getting the higher .005 value for them but also then reducting the cost of my ticket and reducing the number of NEW points I get at the tripled rate of 9 for every dollar… or should I grab all the new points I can get at that bonus 9-$1 rate and then spend them all elsewhere at the reduced redemption rate of .004 Arg!

Nate Siegel says:

Hey Lance,

Good to hear from you! If you’ve got a card like the TD First Class Travel Visa Infinite card, then you’ll encounter this issue whenever you decide to travel: should you use your points and get a discount on your flight’s fiat cost, or use your credit and earn a whopping 9 TD points for each $1 spent? In our general opinion, it feels much nicer to get a flight that’s entirely free rather than partially free (when redeeming your points), and so that informs our own strategy when using TD.

For example: if we want to take a vacation, we’ll simply pay for it with the card and grab that bundle of points and keep on doing so until we’ve collected enough for a fully redeemed flight. Your strategy should be whatever makes you most comfortable and matches your financial situation in-the-moment. Remember also that the 9 points per $1 rate when booking via Expedia isn’t a “bonus”, but rather a permanent feature of the card! Safe travels.

GreedyRates

Steph says:

Also if u have unlimited chekiung acc with td bank with monimim balance 5000 no anual fee for this cc 🙂

The GreedyRates Team says:

Hey Steph!

Awesome observation! Readers take note: If you’re looking for a great chequing account, then the All-Inclusive Banking Plan from TD offers excellent terms and perks, including the advantage of no monthly fees for the account PLUS a rebate for other TD products including credit cards. If you hold at least $5,000 in the account, then you’ll pay no monthly fees for the chequing account, and you’ll be able to obtain a rebate on the annual fee for one of these cards as well: the TD First Class Travel Visa Infinite, the Aeroplan Visa Infinite, TD Cash Back Visa Infinite, and others including more basic TD cards like the TD Platinum Travel card or the TD Aeroplan Visa Platinum. It’s a great way to use your savings to save even more! Thanks for coming and enlightening us!

GreedyRates

Jack says:

Expedia is crap. I worked in the hotel business for 35 years and Expedia is impossible to deal with. They are underhanded when it comes to value and customer service. Always book direct.

The GreedyRates Team says:

Hey Jack,

Thanks for giving your unique perspective. As a travel industry worker, it’s logical that you encountered problems with Expedia because you probably needed to deal with lots of customer complaints and disputes, and when there’s a problem, it’s usually worse when you need to go through a middleman to solve it—and this is essentially what Expedia is. As a middleman service connecting travellers with a plethora of great travel options, Expedia has a more difficult time solving problems related to airlines such as scheduling, boarding etc. because their support teams can’t make direct changes and can only request them.

That’s not an attempt to give an excuse for Expedia, of course, because we’re aware of the issues and are on your side. Cardholders who get a card that offers an accelerated rate on travel from ExpediaForTD.com, for instance, should be aware that there’s a certain level of support to expect. Anyway, thanks a lot for your valuable input!

GreedyRates

Rylee Smith says:

Love this card! I usually book all of my flights through Expedia for TD, and the points earn rate of 9 pts/dollar is awesome. I always redeem on Expedia, and this essentially gives me 4.5% cash back on the money I spend at ExpediaForTD.

The GreedyRates Team says:

Hey Rylee!

Thanks for coming and showing your fandom for the awesome ExpediaForTD program, offered through cards like the TD First Class Visa Infinite card. The program is great for the reason you named, and we’ll outline here how you’re calculating that 4.50% cash back. You’ll get 9 TD Points for every $1 spent on travel purchases made online through ExpediaforTD.com, and with a travel redemption value of $0.005 per point on the site, each $1 spent earns the equivalent of $0.045 back. If you’re a fan of Expedia and frequently book travel from there, then you’ll find few more suitable cards in Canada. Enjoy it!

GreedyRates

Kirk Slow says:

Last year I changed to TD first-class travel and their rewards are not as they seem. Even booking travel through Expedia through their reward site you only get a return of 0.0075. Exceptionally disappointed. This huge points system these cards use make it very difficult to calculate the percentage. I have and I am not very happy

The GreedyRates Team says:

Hi Kirk,

That’s a fair appraisal of how banks operate, to be honest. Ideally, cardholders will be able to collect points and fly free once or twice per year if they spend a lot, but even with a faster reward accumulation rate it can seem slow because you’re earning passively and redeeming only occasionally. When you finally travel and want to use your points, it can be easy to think you’ll pay for everything with points, given how much you think you’ve spent. It’s true that the TD First Class Travel Visa Infinite card muddies the water a bit more in this regard, given that it offers flexible travel points in larger denominations compared to other programs.

For instance, the card’s introductory bonus grants up to 80,000 points, which sounds like a lot but when translated to dollars is around $600. Still, for a mere bonus that’s a generous gift and can pay for a short-haul round trip and more, just by itself. It’s all a matter of perspective!

GreedyRates

Deborah Murray says:

Booked our condo, car and flights through Expedia TD. This was the first time I had used my points. Due to the Boeing 737 Max planes being grounded we had to change our tickets. I talked to 3 different people at TD Expedia and only one person was helpful, the other two knew nothing about Air Canada’s 737 Max planes being grounded and did not want to help us. They work in the travel industry and that don’t know all of these planes are grounded around the world . It was all over the tv and internet !
One person told us we would get our money refunded by Air Canada but we could still have the condo and car. There was no offer to help us find another flight. How were we supposed to get there, swim?
We eventually booked flights one day later on Alaska Airlines on our own .
So I phoned both the rental car and condo to say we would be arriving a day late because our plane was grounded. Alamo told us if we didn’t pick up the car on the date originally booked we would not get a car and still be charged, even though we said we would pay the extra day. The Wyndham Kona Hawaiian resort said we could come a day late but would be charged for the first night. We asked for a later departure time the last day and they said okay 11:00am ,one extra hour . When we checked in no one seemed to have heard that 3 days earlier all the 737 Max planes were grounded.
I did call TD Expedia back to complain and this person was helpful. He cancelled the Alamo car and we rebooked with another company at a higher rate. He called the Wyndham result but they wouldn’t give us a refund one the first night. He tried hard and was helpful. I tried to book new plane tickets on the TD Expedia website. It kept on saying “we can not process your request right now please try again later”. We tried again a few times no luck. So eventually we went straight to the Alaska website and booked using my husbands Mastercard. Half an hour later I get a text and 2 messages on my land line and cell phone from TD Visa from the fraudulent unit saying my card had been compromised. I phoned TD Visa and the TD Expedia website had put through all the incomplete transactions over $16000! TD Visa assured me we won’t be charged. TD Expedia said they couldn’t deal with phone Alaska airlines.
In the end we enjoyed our trip with an increase in price for our car and paying extra for plane tickets. Waiting to see if we got refunded for the grounded plane tickets. First time we haven’t booked directly with the airline and rental car. First experience with TD Expedia not great . My advise if you can’t get the help you need with TD Expedia hang up and phone back and hopefully you will get the employee who is helpful

Max Mosion says:

Confused by how my points are used. Booked a car in the US using my points then looked at the confirmation that says that I must pay for the car rental in US $ when I pick it up! Called Expedia Td rewards couldn’t tell me what exactly happens here I.e. is there a total credit for the initial outlay of the credit for my points without incurring any extra x change and commission charges.
Still waiting on the phone for an answer! Seems like a lot of work to use these points not good for business!

The GreedyRates Team says:

Hi Max,

Interesting situation you’ve presented us with. We can already tell you that this matter is likely out of our range of expertise, as it hinges on internal processes at the car rental service itself. If the confirmation says you need to put down USD before the rental, that does make sense considering that most rental locations require a credit card on file and also a preliminary charge as collateral on the rental. That could be what they’re talking about, but you should confirm by calling TD and asking how the points are applied to your rental.

It could be that the bank rebates the price of the rental after it hits your statement, but again, this is just a guess. It’s a great question, and you should be able to use the ideas in our comment to ask the right questions to a TD customer service agent. Let us know how it goes and what TD’s specific redemption model looks like. Thanks again.

GreedyRates

Myra Andrews says:

What ended up happening with the car rental? Did they charge you when you picked up your car? I booked a car with Expedia for TD and used points to pay for it. It says that I must pay $459 US dollars for the car rental when I pick up the car.

Stéphane says:

What happens if you redeem points on ExpediaForTD.com on half a purchase? Let’s say your total is $200 dollars and you have enough points to redeem $100. Would you then get 9x the points on the other $100 that make up your purchase that you had to pay for in cash? I’ve always wondered if it was just better to wait until I had enough points to cover an entire purchase or to just redeem them as soon as I have $50…

The GreedyRates Team says:

Hi Stéphane!

There are two things to consider when purchasing travel via ExpediaForTD.com in the manner described. The first is that you’re technically looking at ‘up to 9’ points per $1 spent, depending on which card you’re using, and whether you book online (9 points) or over the phone (6 points). For example, the First-Class Travel card earns 9 points per $1 when booking online while the TD Platinum Travel earns 5 points per $1, and both earn a lower rate when booking over the phone either with TD or Expedia.

Second, you’d only earn the accelerated rate of points on the cash you spend to book travel. Redeeming points on any fraction of the price means you won’t earn TD points on this amount, as that would essentially mean TD is giving you points to spend points. When to use your points is a matter of personal preference and timing, as points have the same redemption value whether you use them to pay for part of a ticket or the whole price tag.

GreedyRates Staff

Arshia says:

The customer service with TDforExpedia is poor and they place you on hold for very long (waited up for 45min) and they say they will call you back if you get disconnected, but they never do!

The GreedyRates Team says:

Hi Arshia,

Appreciate the comment. ExpediaForTD.com is a great website but we know better than anyone that any booking tool is only as good as its customer service team. We’re sorry you experienced a longer wait time, and in our experience, it’s usually helpful to call during off-hours. It might not be the most convenient but there’s sometimes no getting around a busy day, and even for us it takes a bit of persistence. Good luck.

GreedyRates

Curios Point collector says:

Am I correct to assume that no matter how you earn points (purchases outside expedia for TD) as long as you redeem it trough expedia for TD you are at equivalent 4.5% cashback? So therefore this beats many card with only 1-2percent cashback with the assumption that you will use the points at TD for expedia.

The GreedyRates Team says:

Hi Curious Point Collector!

Awesome username. If you’re asking about the First Class Visa, then you’re correct that you’ll earn what is effectively 4.50% cash back when purchasing or booking via ExpediaForTD.com. This is because the card’s accelerated earn rate is an impressive 9 TD points per $1 spent on this site, and the value of a TD point is $0.005. Multiply that by 9 and you get $0.045 per $1 spent, which is 4.50%.

However, it’s important to know that for redemption on cash credits, the $0.005 value only applies until you’ve redeemed 10,000 points. Afterwards, each 400 TD points is worth $1, which is a value of $0.0025 per point. So, given these diminishing returns on redemption, booking via ExpediaForTD.com after the 10,000 mark will collect cash back for you at an effective rate of 2.25%–exactly half of what you’d expect to get. Despite this shortcoming, the card is still very effective, and deliver a great value proposition with perks like travel medical insurance, automotive protection, and more.

GreedyRates

Saundra says:

Just found a $62.oo difference on Air Canada website Montreal to Lyon. Called Expedia and was told their site was probably not up to date and they couldn’t do anything. Got an apology.

The GreedyRates Team says:

Hey Saundra,

Unfortunately, it’s pretty common for different booking platforms to quote prices that are sometimes significantly more or less expensive than others. It could be for any number of reasons, the most likely of which is that the underlying software that distributes available airfare and hotel accommodations simply isn’t in sync. It may also be unintentional for numerous other reasons, including seasonal pricing differences, promotions or campaigns offered through certain platforms only, or how the site itself handles pre-booking. If it buys a large bulk number of hotel rooms or airfare, for example, it might be able to offer customers a better price.

For airfare, airline websites will often have some of the best pricing for their own native destinations because they’re the origin point of any booking site that must pay extra to host multiple different airlines and destinations, with these costs translating into fees and slightly higher prices on Expedia—as you’ve discovered. Fortunately, this doesn’t happen often with ExpediaForTD.com, as it’s a special “insider” site for cardholders only. Give it a try next time and let us know what you observe.

GreedyRates

Su says:

I have this TD visa card for more than 10 years. The card is not bad, but Expedia for TD is bad. I used to book my travel via Expedia for TD, but after several bad customer service experiences, I prefer to book directly on the Air Canada website and use less and less the TD visa card.

The GreedyRates Team says:

Hey Su,

We’re sorry to hear that the special TD member-exclusive booking site ExpediaForTD hasn’t worked out for you! Despite some great compliments from other readers, no booking service is perfect for everyone, as they all differ slightly in which airlines are supported, flight paths and destinations, and other criteria. If you often find yourself going straight to Air Canada instead, then you’ll absolutely be better suited to an Aeroplan credit card that offers Air Miles.

Regardless of your income or other eligibility requirements (within reason, of course), there is an Aeroplan card out there for you. For example, cards from your own bank offer Air Miles, which will make the switch super easy. If you’re eligible and call TD to request that your membership be switched over to the TD Aeroplan Visa Infinite card, for example, then you’ll be able to earn Air Miles quickly on your everyday purchases and avail of great travel insurance benefits as well. Upgrade to the Aeroplan Visa Infinite Privilege card and enjoy VIP access to airport lounges worldwide.

Let us know if its relevant or if you have any other concerns, and we’ll be happy to oblige. Thanks again.

GreedyRates Staff

Ruby says:

I regret booking with Expeciafor TD. I had to cancel a trip and most of it was refundable. I received 2 of the 3 refunds. It is very concerning when you receive confirmation emails stating that you are getting a refund… yet they are never processed. It is very concerning when you are assured by 3 separate people, that you will be refunded and you are NOT. It is very concerning when you are told they are updating their system and there are glitches that caused this problem. It is very concerning that you have to spend several hours on the phone. This was NOT a very positive customer experience. It was my first and possibly my last transaction…. TD you should not put your very REPUTABLE name beside this company.

The GreedyRates Team says:

Hey Ruby,

We really appreciate your feedback about TD and their Expedia site, ExpediaForTD.com. When you say you regret booking with ExpediaForTD, you’re basically saying that you’re not a fan of Expedia in general. The dashboard, customer service, travel itineraries and flights available, and other services are all identical between the two. The only difference is that TD cardholders earn extra points for booking travel while regular Expedia users don’t.

It’s totally understandable that a bad customer service experience would ruin your impression. Some people like Expedia and some don’t, but at least you got (most of) your refund in the end. If you don’t want to give it another shot, close your account in good standing and pick another credit card. We’d be happy to recommend something more suitable.

GreedyRates Staff

Sam says:

Thanks for the article! I currently have the TD First Class Travel Visa Infinite and was wondering if I get the TD Platinum Travel Visa, will the points be combined into one TD for Expedia account or will I have to open a second account for the second card? Thanks!

Trevor Lau says:

Expedia for TD is not worth it! Usually more expensive than booking directly and terrible customer service!! Talked to Liam, a supervisor, who was extremely condescending.

GreedyRates says:

Hey Trevor, thanks for coming to GreedyRates. We’re sorry you had a bad experience with customer service, and are disheartened to hear of your struggles finding a solid deal on Expedia. Our experience has shown us that in many cases, the double-dipped rewards that can be earned outweigh any minor price increases. We’d give it another shot and call again, but if you’re truly over it, the Scotiabank Gold Amex remains the travel card to beat.

Instead of searching for deals that are compatible with the system you’re using, Scotia allows you to pay any travel-related expense with your points after you’ve made the purchase. You can feel free to choose any accommodation or airline you like and be confident that the points you’ve earned will cover them. We’re not trying to deflect your disappointment, however, and understand you might not be ready to jump to another card. Take your time and do some research, and let us know if we can answer any other questions you have.

If you want to learn more you can read our full Scotiabank Gold Amex review, or you can apply for the card directly via this link.

GreedyRates Staff

Mark Roth says:

Welcome to the coronavirus … I have been trying to reach Expedia for TD (only way possible, old-fashioned telephone) for one week, trying to cancel my wife’s flight for tomorrow. Impossible, despite multi hour waits, endless disconnects, etc. I reached out to Air Canada, TD and Expedia. ca and all replied that they bear no responsibility whatsoever for the dedicated Expedia for TD platform. Can anyone suggest any other route to reach them or to secure a refund after the fact when my wife does not show up for her flight?

Aaron Broverman says:

Hi Mark,
If you booked on a TD credit card with trip cancellation insurance prior to when the COVID-19 travel advisories came into affect, you should be entitled to the full reimbursement of your trip. If you did, call the plan administrator for TD Travel insurance at 1-866-374-1129 or 416-977-4425. Other than that, here’s Expedia’s full cancellation policy related to COVID-19: https: // expedia partner solutions . com / covid-19 You could also always go to the media.

JS says:

I know this is a little late. You can try those numbers but I doubt you will get any where. You would think that a specialized TD travel card with TD Travel insurance would be able to reimburse you but it is not handled by TD they farm it out to Allianz Insurance and has been a total waste of time, they are terrible. If you get a credit with an airline instead of a refund they wash their hands of everything saying the credit is your refund, get lost. I got a flight credit from Air New Zealand when they cancelled my flight and I will not be able to use it before expiry. Even though I have tried to explain to Allianz that the terms of the insurance do not state anywhere that an airline credit is a replacement for a refund they refuse to help. I have forwarded them the pdf on TD’s website but they just ignored it. I asked them to show me the policy details on where it states that a credit from an airline is a valid substitute for a refund and they ignored it.

I booked a flight late last year to fly in December 2020 in South America which most likely won’t be happen and I’m sure that Allianz will not have my back. Their travel insurance is useless in these times.

Aaron Broverman says:

Hi JS,
When I realized Allianz Global wasn’t helping people with their travel insurance issues from TD cards due to COVID 19. I spoke to Robin Ingle, a travel insurance expert with over 40 years experience and here’s what he advised. The best way to get your money back on this is to dispute the charges and initiate a chargeback. The only stipulations (at least with TD) is that you will have had to try to resolve the dispute with the merchant (which you did and found their solution of a voucher to be unsatisfactory) and the chargeback must be initiated 60 days from the statement date in which your trip purchase appears. You can find information on how to dispute charges and initiate chargebacks on your credit card issuer’s website.

If you’re wondering why you are ineligible for trip cancellation/interruption insurance even though your trip was booked prior to the travel advisory coming into effect, he says it’s because there is no real trip cancellation if the airline did not fly. That’s the airline not providing a service and taking the money, but no trip actually happened, so there was nothing to cancel or interrupt. Had the flight still happened, but you yourself elected not to go because of the travel advisory or a doctor advised you not to go due to COVID-19, then,you may have been eligible for trip cancellation or interruption. YOU must cancel your trip due to a covered unforeseen circumstance, not the airline.

The second thing is, if you receive a value of any kind, such as a voucher. Suddenly, you don’t have a loss. Your opportunity to fly has just been moved from one date to a date in the future. There has to be a loss in order to be eligible for any insurance coverage. It’s understandable that you would want the cash instead of a voucher, but these airlines (even going into this pandemic) were facing or are facing economic issues where they couldn’t or still can’t give cash refunds right away. Part of the reason these airlines are giving vouchers is that governments have come in and started to back these airlines so they wouldn’t go out of business. These airlines have also received investment to keep themselves alive so they can restart. Right now, airlines are taking precautions to get people traveling again, but whether people will want to travel is a separate issue.