TD Enhances Credit Card Travel Insurance Coverage For Cardholders

TD Enhances Credit Card Travel Insurance Coverage For Cardholders

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Last updated on May 10, 2021 Comments: 111

TD is enhancing the travel insurance coverage of its premium travel cards effective March 30, 2016. Improvements will be applicable to both existing and new cardholders on the TD Aeroplan Visa Infinite, TD First Class Travel Visa Infinite and the TD Aeroplan Infinite Privilege card.

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At no additional cost to cardholders, enhancements will be seen on travel medical, trip cancellation and trip interruption insurance.

The improvements will make the TD Aeroplan Visa Infinite and TD First Class Infinite Visa cards some of the best credit card insurance programs on the market. Specifically, the cards will now match some of the stronger insurance cards on the market and exceed those of popular travel cards like the RBC Avion Visa Infinite, WestJet World Elite, and CIBC Aventura cards.

Travel MedicalCurrent CoverageNew Coverage
Travel Medical Insurance Coverage Period (for TD Aeroplan Visa Infinite Card only)15 days for Primary Cardholders, along with any insured Persons under 65 years of ageThe coverage period is increasing from 15 days to 21 days for Primary Cardholders, along with any Insured Persons under 65 years of age
Dependent ChildrenDependent Children travelling alone are not coveredThe Primary Cardholder’s Dependent Children will be eligible to be insured, whether or not the Primary Cardholder travels with them on the Covered Trip
Baggage ReturnNo baggage return coverage is provided in the event of a medical emergencyAn Insured Person will be covered up to $500 for baggage return to their province or territory of residence because of a Medical Emergency during a Covered Trip
Pre-Existing Condition Period for Travel Medical InsuranceThe Pre-Existing Condition Period under the current Certificate is:

– 180 days for Insured Persons who are 74 years of age or younger

– 365 days for insured Persons who are 75 years of age or older

– 365 days for insured Persons who are 75 years of age or older
There is a change to the Pre-Existing Condition Period for trips beginning on and after March 30, 2016:

– For insured Persons under 65 years of age, this period is the 90 days immediately before the beginning of the Coverage Period

– For insured Persons under 65 years of age, this period is the 90 days immediately before the beginning of the Coverage Period

– For Insured Persons 65 years of age or older, this period is the 180 days immediately before the beginning of the Coverage Period



Trip Cancellation / Trip InterruptionCurrent Coverage New Coverage
Trip Cancellation Insurance Maximum Benefit (for TD Aeroplan Visa Infinite card only)$1,000 per Insured Person per Covered Trip; $5,000 total per Covered Trip for all insured Persons on the same Covered Trip. The maximum benefit for Trip Cancellation Insurance is increasing from $1,000 to $1,500 per Insured Person, to a maximum of $5,000 per Covered Trip for all Insured Persons on the same Covered Trip.
Trip Cancellation due to a Travelling Companion$1,000 per Insured Person per Covered Trip; $5,000 total per Covered Trip for all insured Persons on the same Covered Trip. You’ll benefit from the Trip Cancellation coverage when a Travelling Companion can’t travel for a Covered Cause.
Pre-Existing Condition Period for Trip Cancellation / Trip Interruption InsuranceThe Pre-Existing Condition Period under the current Certificate is:

– 180 days for Insured Persons who are 74 years of age or younger

– 180 days for Insured Persons who are 74 years of age or younger

– 365 days for insured Persons who are 75 years of age or older
There is a change to the Pre-Existing Condition Period for trips beginning on and after March 30, 2016:

– For insured Persons under 65 years of age, this period is the 90 days immediately before the beginning of the Coverage Period

– For Insured Persons 65 years of age or older, this period is the 180 days immediately before the beginning of the Coverage Period

From our perspective, the 3 most impactful changes are:

  • Extending travel medical coverage from 15 days to 21 consecutive days. This means that you can have an unlimited number of trips per year and be covered for each one for 21 consecutive days. Both RBC and CIBC Infinite products are still stuck at 15 days. 21 days aligns the TD Aeroplan infinite card with the BMO World Elite, Scotia Gold (25 days) and its own TD First Class Infinite card at the high end of the market, among the core travel cards.
  • Covering dependents for travel medical insurance even when they are not travelling with the primary cardholder. This means your children can be travelling out of province or country, and even if the trip is not booked through the card, and they’re travelling with you, they’ll still be covered. Some like the RBC Avion Visa Infinite, require dependents to travel with the primary cardholder to be eligible for coverage.
  • Shortening of Pre-Existing Condition wait period for travel medical, trip cancellation & trip interruption for people under 65 years old. Instead of having to wait 6 months after you’ve had a medical condition, event or change of medication, you now only have to 3 months before you’ll be covered again.

With travel insurance that no longer compromises and superb welcome bonus offers, TD’s roster of Aeroplan Infinite, First Class Infinite and Aeroplan Privilege cards make for great short and long term values.

No doubt, with a regular rotation of first year annual fee rebates, welcome bonus flights to anywhere in North America, and robust travel insurance coverage, these are some of the best credit cards in Canada.

 

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Article comments

111 comments
Rhonda Black says:

Hi, my trip was cancelled due to covid19. I booked my trip the end of January. I have contacted the 1-866-374-1129 and was told: “I am not eligible for trip cancelation return because the airline is offering “credits”. This is unfair. I thought there were rights for airline passengers. I don’t want an airline credit to be used in the next 2 years. This is not acceptable. How do I get my money back? I have also been calling the claim dispute line 1-844-841-0328 without success of reaching a person to talk to. The voice message says you can also contact the website, what website? nothing is noted. This has become a daily job of waiting online for no response. How do I get my money back? Help thanks,

Aaron Broverman says:

Hi Rhonda,
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, I asked travel insurace expert Robin Ingle, CEO of Ingle International, that question and 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 percautions to get people traveling again, butt whether people will want to travel is a separate issue.

Ron Marko says:

I booked travel from Edmonton, Alberta to Guadalajara, Mexico leaving 15 Jan/20 & returning 01 April/20. Return flights have been cancelled for 01 April, rebooked for 15 April & subsequently cancelled, then rebooked for 04 May & cancelled.
Does my TD First Class Travel Visa provide a refund for the return flights?

Aaron Broverman says:

Hi Ron,
Unfortunately, only flights booked prior to the global travel advisory being posted (March 13, 2020) are even eligible for refunds due to COVID_19. For other cancellation reasons, see your benefit agreement of your card which is Googlable.The COVID-19 FAQ is also available in the travel insurance portion of TD’s website. Also, if you accepted a voucher for your canceled flights, you are unable to qualify for cancelation insurance having already accepted a value.

Tim says:

Hello, my trip was cancelled due to covid19. It was booked well before 13 March. I have contacted the 1-866-374-1129 and was told: “I am not eligible for trip cancelation return because the airline is offering “credits”. I will only be able to apply for refund once the deadline to use my airline credits has passed (end of the year)”. I have purchased travel insurance as well as having first class travel infinite CC. Question: how do I get back the money I payed for the trip?

Aaron Broverman says:

Hi Tim,
First, I would not accept any credits from the airline. As soon as you accept those credits, you’ve accepted a value for your trip and have voided your opportunity to get your money back through insurance. If you have accepted credits, you’re done, full stop. If you have not, explain to the insurance adjudicator that you have not accepted credits and are only interested in getting your money back. If the answer they give you is unsatisfactory, ask to speak to their boss and go up the chain until you get the answer you want. If you want a more immediate solution, initiate a chargeback with your credit card provider (dispute the charge). The airline will have 30 days to respond and if they don’t (because they’re busy) you will get your money back. If they do respond, you have their attention.

Tae jeong says:

Hello,
My son would go to Quebec trip from Calgary in the middle of may and the trip has been cancelled due to COVID 19.
I did not pay for it with my TD First Class Infinite. I got E-mail from School and they recommend to check if I have any travel insurance. Could you please determine if there is any coverage for cancellation.

Aaron Broverman says:

Hi Tae, if you didn’t pay for the trip with your TD credit card with travel insurance coverage. Unfortunately you don’t have coverage, unless you bought a seperate individual travel cancellation insurance policy before you booked the trip.

Alyssa says:

Hello,
My mom booked all three our our trips in her visa infinite Aeroplan card. We are now stuck in India and the government has secured us flights for $3000 a person back to Canada we also have to pay for a bus to the airport and hotel I was just wondering if we are all covered for anything. How does the travel insurance work for trip interruptions. We have been here since before the travel advisory and we have been trying to leave since it came out with no luck. thank you

Aaron Broverman says:

Hi Alyssa,
As long as you booked the trip in full on a TD credit card with trip cancellation/interruption insurance BEFORE March 13th (when the advisory came into effect) you may get coverage. I would download the benefit agreement for your TD card, which is available within the TD COVID-19 FAQ question regarding credit cards with trip cancellation/interruption insurance or if you google it. You need to call the TD plan administrator right away to file a claim. To make arrangements for Trip Interruption, Trip Cancellation, you can call their provider 24 hours a day/7 days a week:
From the U.S.A. or Canada 1-866-374-1129
From elsewhere, call collect (416) 977-4425

Mya says:

Hi there, I booked two return tickets with Air Canada on Feb 7 to Europe, charged the entire amount to my TD Visa Infinite Aeroplan (orange). Departing mid May and returning the first week of June. The first leg of the trip has been cancelled by Air Canada due to Covid19, so far no full refund option is available and a fee of $300/ticket plus the seat costs we’ve paid, the total amount paid was just over $2600. The airlines will obviously offer a credit but we would rather take our money back in these uncertain times. Is this something the CC Trip Cancellation would fully cover, is my mother considered a travel companion? (She is not an authorized user on the card) thanks for your help.

Aaron Broverman says:

Hi Mya,
Your TD Visa Infinite Aeroplan Visa would cover this cancellation as long as you used the credit card to pay for it and you booked the trip prior when the global travel advisory for COVID_19 came into effect and you don’t fall under any normal exclusions for coverage (This can be found online as a PDF or in the cardholder agreement and benefits guide that came with your credit card).Your mother is considered a travel companion as long as she was going to travel with you and has a ticket, but you paid for it on your TD Aeroplan Infinite Visa. All trip cancellation claims are evaluated on an indvidual basis. Stay patient and calm and call:

“24 Hour Emergency Assistance Number To make arrangements for Trip Interruption, Trip Cancellation, you can call our provider 24 hours a day/7 days a week:

From the U.S.A. or Canada 1-866-374-1129
From elsewhere, call collect (416) 977-4425
Customer Service Phone number

For more general customer service questions, you can call the provider at:

1-866-374-1129 or (416) 977-4425

Monday – Saturday 8 a.m. – 8 p.m. Eastern Time”

Natalia Aldana says:

Had the same situation – booked three tickets to Europe with air Canada on January 17 for travel in July. Flights haven’t been cancelled yet but can get money back minus the $300 cancellation fee. All purchased on my TD Visa Infinite Aeroplan card. Called the 374-1179 number and was told that I don’t qualify for insurance because air Canada is offering a voucher. Very disappointed in TD Visa and their insurance. I’ll eat the $900 but TD won’t be getting another $120 annual fee from me.

Aaron Broverman says:

That’s very disappointing Natalia,
Don’t accept the voucher and fight it if you can.

Brian says:

Is there an email address to contact regarding a TD infinity travel visa Covid 19 cancellation claim?

Aaron Broverman says:

Hi Brian,
There’s no e-mail address I can find, but you can call the plan administrator at 1-866-374-1129 or 416-977-4425.

Dan says:

I have TD First Class VISA Infinity card, we live in Ottawa, we planned to purchase an all-inclusive package to Mexico. The flight is from Montreal to Cancun. We will drive to Montreal YUL airport and park our car at the long term parking lot, would it be considered we starting our trip “out of our home province” and void our travel health coverage?

Aaron Broverman says:

Hi Dan,
According to your benefits agreement, your coverage begins as soon as you embark on a trip outside your province or territory of residence and as long as by the time you reach Montreal and fly to Cancun and return to Ottawa it does not exceed the coverage period (21 days if you’re under 65 and 4 days if you’re over 65) then you are covered for the whole trip. If your trip exceeds the covered days, I recommend purchasing an individual travel insurance policy.

Tania Charette says:

I booked for a flight for myself and my husband to tampa florida. We have cancelled due to Canada asking to Canada asking to cancel all elective trips. I have a TD first class travel visa. Does my visa cover the costs of cancellation

Aaron Broverman says:

Hi Tania,
Your trip should be covered by cancellation insurance as long as it was booked prior to the COVID_19 travel advisories coming into effect (March 13, 2020) Contact the plan administrator at 1-866-374-1129
or at (416) 977-4425 Monday – Saturday 8 a.m. – 8 p.m. Eastern Time. Instructions on how to start a claim can be found here: https:// www. tdinsurance .com/ products-services/ travel-medical-insurance/ covid19-faqs

SHaron says:

Hi, since Trudeau announced about not to travel if we don’t have to, will TD visa infinite refund my trip? I bought 3 tickets. Hotel and airfare to Dominican Rep March 24, 2020. Thank you

Aaron Broverman says:

Hi Sharon,
You have an eligible claim for trip cancellation insurance as long as your trip was booked on a card with trip cancellation insurance and it was booked prior to March 13, 2020 when the global travel advisories came into effect. Instructions for rapidly launching a claim can be found when you Google TD COVID_19 FAQs,

trish hewitt says:

I . .have a td first class travel card. I have a flight to the US on march 14 that i booked months ago. the canadian government is advising us not to travel abroad. If i choose to go do i still have the same medical coverage through my credit card

Aaron Broverman says:

Hi Trish,
The answer is no. Your medical travel insurance policy is void because a global travel advisory has been in affect since March 13th in Canada and TD voids policies if you travel to a place where a travel advisory is in effect. You will still be covered by trip cancellation insurance, as it sounds like you booked your trip prior to March 13, 2020 when these advisories came into account.

Sara says:

We booked and paid for airfare, hotel and Disney tickets on our first class visa card for July 2020, for myself, husband and two kids. I am the primary card holder and my husband has a secondary card. With the Corona virus spreading and Disneyland currently shutdown for the remainder of the month. If this virus spreads and the theme parks that we had paid to go to shut down, what will my TD visa card insurance cover? If in July we don’t feel comfortable travelling, even though the advisory maybe lifted by then, are we only covered for trip cancellation if there was an advisory on that destination? How about theme park shutdowns?

Aaron Broverman says:

Hi Sara,
You are covered for trip cancellation insurance as long as the advisory is still in effect when your trip is scheduled to begin and you booked it prior to the advisories being raised (March 13, 2020). If you choose to cancel your trip and the advisories are lifted and/or Disneyland is open by the time you travel in July, you will only be covered if you cancelled due to a covered cause, such as a doctor advising you not to travel, a sudden death or injury of you or your travel companions, etc. (a full list of covered causes can be found in your cardholder and benefit agreement). If you simply cancel because you are uncomfortable, you will not be covered. TD is advising you only make a claim if you’re traveling in the next few weeks and hold off if your trip is further in the future. You will have to wait and see how long this situation lasts.

Wendy says:

Hi, Are dependents travelling alone (without cardholder or spouse) with school covered for cancellation insurance? TD First Class Infinite.

Aaron Broverman says:

Hi Wendy, as long as you would be eligible for coverage as the primary cardholder were you to take the covered trip, your dependent is also covered whether or not you or your spouse are traveling with them. The trip just has to meet the criteria of being “covered” (see cardholder agreement/benefits guide) and your dependent must remain your dependent and a resident of Canada during the trip.

bob says:

hello I have bought ticked using my td and points, going to Dominican republic, but with coronavirus, wondering if I can use insure to be reimbursed for the cost?

Aaron Broverman says:

Hi Bob, as long as you booked your trip prior to the global travel advisories being in effect (March 13, 2020) and paid for it with a credit card with trip cancellation insurance, you are covered, even if you bought the trip with points.

Lena says:

Hello, We booked our travel via Expedia for TD using my husband’s TD travel visa credit card. We are supposed to travel to Tel-Aviv beginning of April. However, Israel has announced a 14 day coronavirus self-quarantine regulation for all foreigners arriving to Israel effective Mar 12. We are only traveling there for two weeks and we can’t self-quarantine ourselves there. Will we be able to claim trip cancellation insurance in this case if we cancel our trip?

Aaron Broverman says:

Hi Lena,
Here’s what the TD website says: “A customer may be eligible for coverage if they charged their trip (in full) to their TD Credit Card that offers Trip Cancellation Insurance, before an “Avoid all Travel” or “Avoid non-Essential Travel” travel advisory was issued by the Government of Canada for their destination. However, please note that each Trip Cancellation claim is evaluated on an individual basis.” If you made the booking prior to Canada’s global travel advisory, which is in effect now, you may have a case. Call the plan administrator at 1-866-374-1129 Press #1 to make a COVID19-related claim.

Sandra says:

My mother booked an Aeroplan award flight on her TD Aeroplan infinite visa card from travel in May. Does she need to purchase comprehensive insurance in case she gets sick, or her flight is cancelled or is this all covered under her Visa travel benefits?

Aaron Broverman says:

Hi Sandra, thanks for checking. According to the benefit agreement for your mother’s card. If your mother is over 65, she only receives four days of coverage, so if that’s the case, I would strongly recommend buying an individual travel insurance plan. The Aeroplan Visa Infinite provides secondary coverage so it is superseded by whatever individual coverage your mother purchases and only covers whatever that plan won’t as long as those remaining expenses are eligible for coverage. If your mother is under 65, she gets 21 days of coverage. She gets up to $1,000,000 in emergency medical coverage, This includes any expenses your mother may incur as a result of a medical emergency on her trip including the return of any deceased person and baggage return. (For the full details check her benefit agreement) If your mother has a pre-existing condition that wasn’t stable immediately before her trip, she won’t be covered, so she’ll need to look into a guaranteed individual travel policy. Guaranteed policies cover pre-existing conditions. Hope that helps.

Ash says:

Got TD First Class Travel. Booked trip with my GF and I paid for trip tickets, resort through my card. Trip is getting cancelled due to medical condition. If it gets cancelled, does insuramce pays for full refund (incl my GF) or only mu portion of it ?

Aaron Broverman says:

Hi Ash,
According to the Benefit Agreement for the TD First Class Travel Visa Infinite card, only you, as the insured person and primary cardholder would have your expenses covered, especially if both tickets were bought on your card. However, you mentioned the trip was canceled as a result of a medical condition. Whether this condition is yours or your girlfriend’s, you will only receive coverage if the condition was stable immediately preceding your trip. If it was stable and it prevents you from starting your trip and/or a doctor will certify in writing that they advised you not to go on the trip (you should provide a copy of the letter to the TD plan administrator prior to the scheduled start of your trip) your expenses will be reimbursed. Obviously, I am not TD, so check with the plan administrator at 1-866-374-1129. You need to do this as soon as you cancel your trip to make a claim.

Vennila says:

Hi, my husband had a conference in Paris april 2020 and I booked my flight on my own to join him in Paris. Now his company has decided to pull out of the conference due to corona virus and cancelled his flight. My ticket is non-refundable and no change allowed, booked with TD first class travel card. Am I able to claim trip cancellation insurance?

Aaron Broverman says:

Hi Vennila,
Unfortunately no, as it is not your flight being cancelled due to unforeseen circumstances like the Corona Virus, but your husband’s conference and you are electing to cancel your own flight due to those circumstances. If you read your cardholder agreement for the TD First Class Visa Infinite Card,(available online at TD.com or with your card) beginning on Page. 39 it lays out what circumstances are covered by trip cancellation insurance and yours is not one of them. I asked your question to the plan administrator and they said the only country eligible for cancellation due to the Corona Virus is China.

jinah says:

Hi there, with the recent breakout of the coronovirus, does trip cancellation insurance refund us for up to $1500 per person for an NCL cruise for March 2020? Thank you.

Aaron Broverman says:

Hi Jinah,
I spoke to the plan administrator a week ago and at that moment they were refunding travel to China only. I would check with them at 1-800-667-8031.

Michael says:

I have a td aeroplan infinite visa. I’ve purchased a ticket for my wife and son to travel to japan. But with japan having the coronavirus. I’d like to cancel. Does visa aeroplan infinite cover this?

Aaron Broverman says:

Hi Michael,
When I called the TD Plan administrator at the end of February they were only covering travel to China, but now with Coronavirus spreading, I wouldn’t put it past them to cover flights to Japan. You should contact the plan administrator immediately with your question at 1-800-667-8031.

Christine says:

If I am overt 65 can I upgrade to extend the duration of the emergency medical coverage

Nate Siegel says:

Hey Christine,

Indeed you can! If you’ve got a TD card, for example, you’ll just need to contact TD over the phone and either use the automated menu or get ahold of a representative, and you’ll be transferred to the insurance department. Here you can explain your needs and pay for extensions of your card’s original insurance (in terms of age, extra consecutive days, extra riders, and more). Enjoy.

GreedyRates

Tze Man Chan says:

I am still a bit confused as to exactly where I stand with some of the answers regarding benefits on travel medical insurance & trip cancellation/trip interruption insurance. There seems to be some contradiction. I want to be very specific with my question. I am 66 years old. I have a TD Aeroplan Infinite Visa card-not first class or platinum,etc. Am I covered under both of these insurance plan due to legitimate medical reasons and/or legitimate travel cancellation situations? If yes, are there any other restrictions that might apply immediately or somewhere down the line – say like an age restriction? Thanks in advance for your reply.

Aaron Broverman says:

Hi Tze Man,
For travel medical insurance, since you are over 65, you are only eligible for 4 days of coverage and not eligible at all if you have a pre-existing condition that wasn’t stable at least 180 days before your trip. The same thing goes for trip-cancellation/interruption, your pre-existing condition if you have one must be stable, but there’s no age restriction for trip cancellation/interruption. Covered circumstances include a sudden illness that prevents you from going on the trip, the death of you or your traveling companion, jury duty and more (see the benefit agreement for your card for more circumstances) If a doctor advises you not to go on a trip, get a note from them and you’ll also be covered. All specific circumstances for coverage will be outlined in the benefit agreement.

Brenda says:

We have the TD First Class Infinite Visa card and I just noticed that they now specify the benefits are for under 65 (it used to be under 74). I’m thinking these cards are no longer beneficial to seniors when it comes to trip/cancellation insurance? Am I right?

Nate Siegel says:

Hey Brenda,

Thanks for your question. If you’re looking for a credit card with comprehensive travel insurance and coverage for trip cancellations and trip interruptions, then your TD First Class Visa Infinite card is still a great choice. Your comment was phrased in a way that makes us think you’ve conflated the age restriction that comes with emergency medical coverage (logical considering the factor that age plays in medical care) with trip cancellation and interruption coverage. Even if you’re 76 or 80 years old, if your trip is cancelled or interrupted due to an eligible covered cause, then you’ll still get a reimbursement.

If you’re looking for a card that offers seniors under 75 medical coverage and trip interruption and cancellation all together, then we have two suggestions. The only two cards we know of that put so much value in their insurance packages are the Desjardins Odyssey World Elite card and the Meridian Visa Infinite Travel Rewards card. Though these two both require a higher income and credit score, given their top-tier-travel status, seniors are still able to get approved due to the other variables in creditworthiness. Best of luck!

GreedyRates

Sue says:

Hi, thank you for all these informations! I have both TD Aeroplan infinite visa and TD First travel infinite visa. I would like to know 1. which one offers the best car rental insurance? 2. If I didn’t use one of these two visas to book my trip, am I still covered by TD visa medical insurance? Thank you advance for your reply.

Nate Siegel says:

Hey Sue,

Thanks for the comment, and the request for a comparison of the TD First Class Travel Visa Infinite and the TD Aeroplan Visa Infinite card. In terms of rental car insurance, the two cards have the exact same coverage for 48 consecutive days against collision damage and loss. For the medical coverage benefit, there’s no requirement to purchase your airfare using the TD card, so you can use another card and travel safe nonetheless. Enjoy.

GreedyRates Staff

Kelly Sheppard says:

What would trip interruption define

Nate Siegel says:

Hi Kelly,

Trip interruption insurance is essentially the same as trip cancellation insurance, but instead of your trip being cancelled by a covered cause it’s merely been interrupted for you personally. The covered causes for trip cancellation and trip interruption insurance are different by definition—for example your trip wouldn’t be covered under trip cancellation if you or a family member fell ill—it would simply continue without you. However, that doesn’t mean it’s the same as emergency medical coverage. Medical coverage helps you pay for the costs of illness or injury treatment, while trip interruption insurance pays for the costs of eligible travel or other accommodations that were missed due to the illness or injury. Other covered causes include weather, civil unrest, terrorist attacks, and really anything else that occurs after the trip begins. Hope this helped. Have a nice trip!

GreedyRates

Frank says:

Hello,
Thank you for this arrivals, very helpful. I have a parent who was recently diagnosed with cancer and I may have to cancel a trip to assist with getting my parent to their chemotherapy. I booked a non-refundable hotel with my TD Aeroplan Infinite VISA at a cost of $980. Is this something that can be reimbursed through TD Visa’s insurance plan? I’m having difficultly finding the answer online.

Nate Siegel says:

Hey Frank,

Appreciate the question. We know it’s hard to get through the fine print, as it twists your brain and tongue into knots pretty easily. Essentially, if you’re trying to use the Trip cancellation or interruption insurance on your TD to cover yourself, then there’s little chance this will work. We dug into the fine print and found that for this insurance policy, your cause for cancellation simply isn’t strong enough because it doesn’t qualify as a “sudden or unexpected sickness or accidental injury” for your immediate family member.

We’re assuming, of course, that your parent had cancer prior to and during when the trip was booked, so there was nothing unexpected about it other than the fact that you believed they already had a ride to chemotherapy. If they were diagnosed with cancer suddenly and this caused you to miss a trip you had already booked, then there’s a chance that coverage could apply. Talk to TD anyway, because it can’t hurt, and best of luck to you and your family.

GreedyRates

Betty stobo says:

If we are booking a cruise for ourselves, our children and our grandchildren on our TD aeroplane visa, is everyone covered for trip cancellation?

The GreedyRates Team says:

Hey Betty!

Thanks for posting to GreedyRates. If you used your TD Aeroplan Visa Infinite card to book the tickets, then there’s no reason to worry about trip cancellation or interruption coverage. You and your travelling companions and eligible dependent children are each covered for cancellations up to $1,500, or $5,000 collectively, and interruptions for $5,000 per person or $25,000 as a group. You’ll need to consult with TD to determine the eligibility of your grandchildren, but if they aren’t covered then extensions are easily purchasable online or over the phone with the agent directly. Have a nice—and of course, a safe trip!

GreedyRates

Denise says:

Hi,
I had to cancel a trip for medical reason amd have a doctor letter but paid with another credit card. Can my TD infinite Visa reimburse a part of my cost?

The GreedyRates Team says:

Hey Denise!

Thanks for the question, and for providing the details we need to take care of this matter. There are a couple things to consider when trying to claim coverage for a medical emergency that interrupted or required the cancellation of your trip. First, was the medical issue something that was diagnosed recently or regarded as a “pre-existing condition”? This is usually pretty easy to determine: for example, an accident which required medical attention isn’t predictable, while issues stemming from a known condition are. You’ll also need to consider whether or not the card you carry requires you to have purchased the trip in order to avail of its medical insurance coverage.

In TD’s case, you don’t need to buy anything to get covered, so as long as your doctor’s letter can confirm to the insurer that your ailment is eligible there shouldn’t be a problem. We hope you’re already in touch with them, as these insurers usually also require potential claimants to contact them promptly after the issue arises. Best of luck.

GreedyRates

David Wang says:

Hi ,I am TD Aeroplane Visa card holder,I and my wife plan to drive our car to travel PEI and Nova Scotia for 2 weeks, what are the TD Aeroplane insurances coverages ? Thanks!

The GreedyRates Team says:

Hey David!

If your wife is going on a trip soon and will be using your TD Aeroplan Visa card, then it matters which type of Aeroplan card she’s using. If it’s the regular Aeroplan Visa Platinum then you have a smaller variety of perks to take advantage of. The Aeroplan Visa Platinum card has delayed and lost baggage insurance, flight and trip delay insurance, common carrier travel accident insurance, and auto rental collision and damage insurance (which is most relevant to you). That means if she’s in the car she’s covered, and you can therefore decline third-party equivalent coverage.

If you two are Aeroplan Visa Infinite cardholders, then you can add travel medical insurance coverage to the mix, as well as trip cancellation and trip interruption insurance. Otherwise, everything else is similar. Make sure you understand which card and which benefits are relevant (ask us if you’re unsure) before sending her off. Safe travels!

GreedyRates

Raj says:

Would TD Aeroplan Credit card trip cancellation policy cover the fees charged by Aeroplan to cancel tickets purchased on points? Aeroplan charges $125 per ticket plus tax if a ticket purchased on points is cancelled for whatever reason.

The GreedyRates Team says:

Hi Raj,

If you have a trip that’s cancelled for any reason, then immediately contact TD or their insurer and report it. They’ll investigate, and let you know if the trip was cancelled for a reason that eligible for coverage. Whether or not the amount you’re covered for is enough to reimburse the ticket price and the fees as well is another story, and one that’s too circumstantial to venture a guess at. In the event of cancellation, we know that the airline will also cover losses for cancelling tickets purchased with your Aeroplan miles. Look at the following phrase in the fine print of the insurance pamphlet:

“Eligible Trip Cancellation Expenses means […] reimbursement for […] travel point administration cancellation fees that applied on the date the Covered Cause for Cancellation arose, where applicable.” In other words, you’re golden—but regular fees and taxes that don’t concern your Aeroplan points might not be covered. Best of luck.

GreedyRates

Grace Kwok says:

Is the TD travel insurance provided by the TD aeroplan Visa covers trip cancellation due to serious medical conditions of immediate family member not travelling together. If not, can I get a quote and what is the time limit

The GreedyRates Team says:

Hey Grace,

Appreciate the post. We had to look a bit deeper into the fine print to determine which causes for cancellation are eligible. What we found out is that travelling companions are eligible for coverage but the circumstances in which the cancellation happened are important. For example, was the medical condition sudden or was it diagnosed previously? Pre-existing conditions are treated specially by the insurance provider and warrant an immediate call anyway. Some insurance providers will make a fuss about coverage, even for eligible causes, if you didn’t notify them promptly.

There are generally many things that will be required of you in order to avail of any coverage, in the case that the sickness or other medical condition is eligible, such as a doctor’s note. Ultimately, sudden and unexpected illness of a family member is the golden example of eligibility, so call the insurer and inquire about beginning the process immediately. Best of luck!

GreedyRates

Nabil says:

Hello, I read that the td first class travel visa infinite offers seat selection and VIP lounge for flights. How do I know where and how to use these perks?

The GreedyRates Team says:

Hey Nabil,

Thanks for coming to GreedyRates. If you’re looking at the TD First Class Travel Visa Infinite card for its ability to help you relax in the airport lounge, then know that there are better cards out there. The First Class Travel card offers a discount on Priority Pass membership, which is a program that allows you to enter into any lounge in its network of over 1,200 worldwide. The standard membership costs $99 annually, so if you purchase it as a TD cardholder then you’ll pay much less than this. However, Priority Pass membership doesn’t mean you’ll get into these lounges for free—the standard plan for example charges $32 per member or guest. More expensive plans (like the Priority Pass Standard Plus membership) charges the same entry price but only after you use 10 free annual passes (it’s also $299 rather than $99).

We’re not sure if you’re able to also get a discount in the upper-tier Priority Pass memberships, but if you’re interested then this is something to discuss with TD. As for getting into the lounge itself, there’s a list published on the Priority Pass site of all the lounges participating in their network, and all you need to do to get in is present your card at the desk. That said, if you’d rather have a card that offers free entrance into lounges, then check out the Scotiabank Passport Visa Infinite card, which costs $139 per year and gives 6 free passes annually. Regarding seating on the plane, you don’t get priority seating, but TD does not restrict which seats you can pick whatsoever as some other programs do. That’s all it means, and it is subject to carrier availability, of course. Hope that helps!

GreedyRates

Anthony says:

Does the td aeroplan infinite travel insurance cover people who is not part of your family even if you book everything on the credit card including there flights

The GreedyRates Team says:

Hey Anthony,

Thanks for coming to GreedyRates. Most card insurance benefits, including the one offered on TD credit cards, only covers the primary cardholder, his or her dependent children, and his or her spouse. Authorized users are also able to get coverage on the same trip, but you’ll have to set up authorized users with this privilege by contacting TD. Moreover, there are caveats to be aware of as well. All covered individuals listed will need to be citizens of Canada, obviously, and the account needs to be in good standing. If so, then these users will even be able to travel without the primary cardholder and still enjoy coverage. Unfortunately, this will extend to people who aren’t in your family only if you can get them set up as an authorized user. Good luck!

GreedyRates

Adam says:

I am eager to cancel this card due to very small wording issues. e.g. I was on a trip with a stop-over. Due to weather the trip could not continue and that part was cancelled. TD says since it was cancelled, rather than rescheduled that I had no coverage. Another trip was within my home province and was cancelled and they would not cover it due to my not having left British Columbia. The insurance representative on the phone said she had never seen such requirements on other Elite Visa Cards.

The GreedyRates Team says:

Hey Adam!

Good question, and welcome to GreedyRates. Here’s how most emergency medical insurance works when it comes to Canadian credit cards. Your card (if it covers medical emergencies abroad) will activate this perk from the moment you actually leave your province (this is why it’s called out-of-province emergency medical insurance). Then, coverage ends either at the cutoff or when you return to your province. Unfortunately, there are many conditions that one needs to fulfill in order for their claim to be valid, oftentimes, and this doesn’t apply to TD exclusively.

In short, be sure to read the fine print very carefully before applying for any credit card. You’re also supposed to call and let the insurer know of your claim the very second you know you’ll need it. Especially if you travel enough so that it isn’t far-fetched to believe you might one day need to use the card’s insurance perks. Thanks and sorry for the inconvenience!

GreedyRates

Anne says:

Hello
When i used my TD infinite points to purchase a trip via expedia, do I still have medical and canx insurance as when i would normally book and pay with my visa infinite card?

The GreedyRates Team says:

Hi Anne,

Thanks for coming to GreedyRates with your question. If you currently have the TD Aeroplan Visa Infinite card and have used your Miles to pay for an upcoming flight, then you’ll absolutely be covered by the card’s emergency medical and trip cancellation insurance. According to the fine print, a Covered Trip is defined as a trip for which “the full cost has been charged to your account and/or using your Aeroplan Miles.” This means that regardless of how you pay for the trip, whether via points or the card directly, the card’s insurance perks still apply, so you can feel safer in every circumstance. Happy travels!

GreedyRates

Eric Chan says:

American express platinum card insurance does not cover grand children even we puchase children with AE
I what about TD first class infinite

The GreedyRates Team says:

Hey Eric,

Thanks for the interesting question. If you’re looking for a card that covers grandchildren with emergency medical insurance, then the TD First Class Travel Visa Infinite is not for you. We scoured the fine print and found no mention of grandchildren regarding medical coverage. It’ll only cover the primary cardholder, their spouse, and dependent children. Grandchildren are not dependent children according to TD. In the case of travel cancellation and interruption, they’re defined as an Immediate Family Member and can therefore be used as a valid claim should their death or illness require a trip to be cancelled.

The Amex Platinum card’s insurance also labels grandchildren as Immediate Family, and not Insured Persons. We double checked. Which cards do cover grandchildren? Well, we found that the Meridian Visa Infinite Travel card includes grandchildren in their medical coverage, and also a lot of other nice perks to appreciate. It’s medical insurance covers $5 million for 48 consecutive days, which is impressive, but it’s also great to see trip cancellation and interruption, baggage and rental car coverage, and $1,000 insurance for mobile devices purchased with the card.

To complement the Meridian Infinite card’s great insurance features, it also provides high value on purchases made in Canada and abroad. You’ll earn 1.5 rewards points per $1 spent on all net purchases, boosted to 3 points per $1 when purchasing in a foreign currency. This helps offset foreign transaction fees while you’re abroad or shopping online. Get your application started and enjoy the family trip!

GreedyRates Staff

Dev says:

Hello I am trying to compare travel benefits between Td First class travel visa with Td Aeroplan visa infinite credit cards in terms. This sound to be neck to neck. Looking on website it sounds Aeroplan offers couple more benefits then other. But when I called couple times to TD credit card customer service they kind of try to promote me First class travel visa infinite, with rationale that Aeroplan visa can only be used and redeemed through Air Canada and Star alliance airlines Versus First class travel can be used with any airlines. Any one please help me with confusion please. Thanks in advance.

The GreedyRates Team says:

Hey Dev,

When comparing the TD First Class Travel Visa Infinite and the TD Aeroplan Visa Infinite it can definitely seem like they’re neck-and-neck in terms of most benefits, and it’s true. The biggest difference between the two is how you earn, what you earn, and how you can redeem earnings. With identical annual fees, income requirements, similar limited-time offer values (before June 2nd, 2019!) and more, our only real method of comparison is to show you how they benefit travellers differently.

On the First Class Travel Visa, you’ll earn TD Rewards that you can then use on ExpediaForTD.com to book travel from a multitude of providers. This flexibility is a pro, but many readers report that it’s harder to find a suitable, cost-effective flight via Expedia and that Air Canada has more options. The best way to determine which is best for you is to check out each booking site and test it by scheduling some faux flights for destinations you travel to often. Compare prices and availability, and use this information to point you towards your final choice. Best of luck!

GreedyRates

Gabrielle Boettcher says:

Does TD cover me when the organization I was flying with goes bankrupt? What exactly is the definition of “Trip cancellation” as it reads in the table above?

The GreedyRates Team says:

Hi Gabrielle,

Interesting question. There are usually only a handful of eligible claims that will be covered by TD’s insurance, when it comes to trip cancellation. We dug a bit into the fine print and will elaborate on whether or not we think you have a shot. Under ‘Non-Medical Covered Causes for Cancellation’ there’s jury duty, formal notice or warning from the Department of Foreign Affairs, and (potentially relevant to you) an “employment transfer of the Insured Person by the employer with whom the Insured Person was employed on the date the Insured Person booked his or her Trip.”

You should ideally warn Scotia as soon as possible when you believe that you’ve experienced a covered cause for cancellation. We hope that you called already, and if so just let us know what ended up happening. Overall, we’re highly doubtful that you’ll be able to get that money back, but good luck anyway.

GreedyRates

Eric DeVarennes says:

I have to cancel a flight I booked with my aeroplan miles and they want to charge me $300. Does my TD Visa Infinite card cover this trip cancellation cost?

The GreedyRates Team says:

Hi Eric,

Interesting comment, we hope we can help! If you’re looking to claim coverage for your cancelled flight, first know that you should be able to receive coverage if the reason for cancellation was eligible. For example, if you or a family member became ill, then you’ll be able to make a claim on any flight you purchase with the card or with your Aeroplan Miles. Usually, this benefit only applies to flights that have already been cancelled at inopportune times, like when you’re already at the airport. Airlines will usually reimburse you in full if you cancel a days or weeks before the flight, but this also depends on the fare you purchased.

We can’t know if your claim will be upheld by the card’s insurance because we don’t know the circumstances of your cancellation. Let us know why you had to cancel and we may be able to dig into the fine print to learn if you’re eligible, but it’ll be faster to simply call TD and inquire with them. Best of luck!

GreedyRates Staff

David hynes says:

I have the td aeroplan visa infinite but I used aeroplan miles and my aventura visa infinite to pay the tax when booking my airfare. I’m not covered for any bag delay through my TD card am I. I would assume not since I didn’t pay the $200 tax on that card?

The GreedyRates Team says:

Hey David,

Thanks for providing such thorough details for your question about baggage delay coverage via the TD Aeroplan Visa Infinite card. According to the card’s fine print, you’ll need to pay the entire cost of the trip with the TD Aeroplan Visa Infinite card or Aeroplan Miles to be eligible for delayed baggage coverage, and we assume that this includes taxes and fees because Aeroplan Miles can be used specifically to pay these expenses. Because you used a different card for them you likely won’t be able to get reimbursed if your baggage is 6+ hours late as described in the coverage perk, but to be sure we’d give TD a call. Good luck!

GreedyRates

Patricia Wayland says:

Hope you can clear something up for me… I purchased yearly travel insurance with Blue Cross for my husband and myself and now realize that his TD infinite card covers us as well. We are going to Spain for one month and Blue Cross will cover us for the first 17 days. Will TD pick up where Blue Cross stops?? Thanks for any help you can give me!

The GreedyRates Team says:

Hey Patricia,

Thanks for coming to GreedyRates and leaving your comment about travel insurance. From what we understand, you’re asking about how “stackable” different insurance programs are, since your existing Blue Cross insurance will cover you alongside the insurance offered via TD during your upcoming trip. Here’s how travel insurance works on most credit cards: If you have a card that covers your medical emergencies abroad, then the coverage activates upon your departure from your province or territory and ends when you return, or when it runs out (according to how many days of consecutive coverage the card provides).

Moreover, you won’t need to actually pay for the trip booking using the card to be eligible for the medical insurance coverage. On your upcoming trip, this means that after your Blue Cross insurance runs out on day 17, any medical emergencies or other events that are eligible will potentially be covered by TD’s insurance provider. If you still have TD coverage on day 23 and encounter a covered issue, you’ll be able to get help by calling TD. Of course, the cause for coverage will need to be eligible and we’re assuming that the card provides you more than 17 days of coverage in the first place. Have a nice and safe trip!

GreedyRates

George Lanteigne says:

I paid for a trip to Dominican Republic at a cost of approx. 4000.00 and when I arrived here my rental was not as described.. What if anything can I do to recupparte on my lost??

The GreedyRates Team says:

Hi George,

What rental are you referring to? The hotel, rental car, or something else? It’s important to be as specific as possible, because navigating your eligibility for coverage and insurance reimbursement demands details. Your TD card came with a pamphlet about the card’s insurance benefits, but mere dissatisfaction with your accommodations or vehicle doesn’t ever (in our experience) constitute a legitimate reason for an insurance claim. Let us know what went wrong and we can try to shed some further light on the situation. Thanks!

GreedyRates

Teresa says:

We are starting to plan a trip to Australia-New Zealand in 2020. I understand that our cancellation insurance only covers $1500 per person but this trip is going to cost up to &15,000- 20,000.
We are wondering whether there is top up insurance for coverage beyond the $1500 per person?

The GreedyRates Team says:

Hey Teresa!

Thanks for your comment. How exciting that you’ll soon be on your way to Australia and New Zealand! It’s important to protect yourself on the trip, as you’ve realized, and if the $1,500 insurance on trip cancellation isn’t enough, you can easily call TD and add additional insurance. The same insurance provider covers most TD cards, so they’ll forward you to the appropriate representative and quote you the custom price for adding supplemental coverage or extending coverage for your destination and trip length. It’s super easy—good luck and have a great trip!

GreedyRates Staff

Lisa says:

I have a first class travel visa and am travelling on Dec 21st. What are my cancellation options?

The GreedyRates Team says:

Hey Lisa,

If you need to cancel a trip, then you should do so as soon as possible. While it depends on the airline and airfare (business class, first class etc.) you’re usually able to cancel and get a refund if you do so before the date of departure. Waiting to cancel until the trip is soon upcoming may mean that you’re no longer eligible for any money back. If you’re talking about your mid-trip or pre-trip options if the flight is cancelled, the reason for the cancellation is most relevant. For example, if your flight was cancelled due to inclement weather, this is one of the few legitimate reasons for reimbursement.

We dug into the updated TD insurance pamphlet (you should have received it with your card—but it’s also found in your online account) and will give you a short rundown of the eligible cancellation reasons. The first thing to know is that TD will only cover costs that are non-refundable—for everything else they’ll provide reimbursement in the form of new travel plans. These are things like trip deposit fees, flight change fees, meals, accommodations and taxi fare. But only if your trip is cancelled because of a covered cause.

Some covered causes are medical emergencies, death, pregnancy complications, a rejected Visa for reasons outside your control, a non-essential travel ban to the destination by the appropriate Canadian agency due to safety reasons, and more. Hope that helps. Thanks again for the comment, and enjoy the trip.

GreedyRates

Jorge demaria says:

Our flight to sidney has been delayed and we may not get in time to catch our cruise. We may need to fly to Auckland to join it. What are we covered?

The GreedyRates Team says:

Hi Jorge!

We’re sorry to hear about the delay of your family’s flight—what a frustrating thing to happen! However, as soon as you know about your plans changing, it’s important to call the insurance provider and inquire about solutions. If you purchase new airfare in the meantime, it might affect your chances of getting reimbursed, because the insurance company may have wanted to pay for new travel. They might not agree to pay you back for the flight you purchased to Auckland, simply because they didn’t choose it. They also need time to determine the cause of the delay and if it’s covered.

If you were delayed because of weather, it’s likely that you’re covered. Other eligible reasons include a death in the immediate family and other unavoidable things like military conflict. All the covered reasons are found in your TD pamphlet sent with the card (and emailed), or online on the TD website itself. You can also call, which is the first step anyway. Best of luck!

GreedyRates

Doug says:

My trip was interrupted by bad weather and necessitated an overnight stay en route. How do I claim for costs incurred?

The GreedyRates Team says:

Hi Doug,

Thanks for the comment. We’re sorry you encountered bad weather and had to delay your trip! To claim the insurance benefit on your TD card, you need to contact TD, who will put you in touch with their insurance provider. When you received the card, you should have also seen a pamphlet that has the same information. In it are all the numbers to call, and all the conditions that must be fulfilled in order to be eligible. Inclement weather is an accepted reason for most insurers, so getting in touch and successfully filing a claim should be no problem. Thanks!

GreedyRates

Marie says:

My auto- renewal is coming due for continued TD Travel Medical, Cancellation, & Interruption coverage. Does my annual fee remain consistent each consecutive year of auto-renewal?

The GreedyRates Team says:

Hi Marie,

We can think of no reason why TD would alter your annual fee just for automatically renewing your service and have never heard of this happening. Let it renew and you’ll see the same, but either way, keep in touch! Thanks very much.

GreedyRates

Mel says:

Hi, thanks for this information. I am wondering if you know if the medical travel ins. coverage offered by the TD Aeroplan visa is valid if trip occurs between country B & Country C (flight and insurance purchased with the TD card)? (Canada – Country A, Trip from A to B not purchased by TD visa. Passenger does not return to A before taking trip B to C) sorry if this is confusing. Maybe the more basic way of asking is does the card automatic medical insurance apply if trip originates outside of Canada? (Canadian resident with valid provincial medical ins.). cant find that small print anywhere.

The GreedyRates Team says:

Hi Mel,

Thanks for the interesting question. We called TD’s insurance provider (Allianz) to inquire about the situation you’re in, because we couldn’t find anything about this in the fine print either. Here’s what we learned from the nice representative we spoke with:

1. TD provides coverage for trips that are taken via 1-time, round-trip flights
2. It must leave from your province of residence and return to your province of residence (2 flights total)
3. You’re covered for the entire length of time, pending restrictions on maximum trip length and other relevant factors like preexisting conditions

However, the rules change when you take a new flight to another destination, from a place that isn’t your province of residence. If this occurs, then you won’t be covered by travel medical insurance and can’t claim any benefits during this time and until the end of your trip. If you want to continue your coverage, however, you can call TD and let them know that you’ll be adding a second leg to the trip. They’ll be happy to extend your coverage for this span of time and will quote you a price that can be paid then and there. It’s super easy.

Let us know if you need any further information and we’ll be happy to hunt it down for you.

Thanks again,
The GreedyRates Team

Greg T. says:

Anyone know what is covered if a flight is cancelled by the Airline because of inclement weather at the destination? The hotel we booked will still charge us for the first night because we didn’t give 72 hours notice. Also, we booked Broadway tickets for a performance for the next day but will likely not be able to make it.

The GreedyRates Team says:

Greetings Greg,

The first thing to know is that your trip cancellation insurance won’t cover trips that you didn’t pay for with the card itself, or with TD Rewards points. If your flight was cancelled by the airline because of weather, some parts of the trip might be reimbursed, but not your Broadway tickets. There are some relevant snippets of text on page 35 from TD’s fine print found below:

https://www.tdcanadatrust.com/document/PDF/tdvisa/tdct-tdvisa-firstclasstravel-528190.pdf

Here you can see the reasons that your trip might be reimbursed, and “weather conditions” is labeled as a covered cause. Since the airline cancelled the flight, you’ll obviously be put on a new one, but the fine print leaves a lot of detail to be desired. For example, it doesn’t explicitly state that anything other than travel arrangements will be reimbursed. This tells us that you may get your hotel booking cost refunded, but tickets to an event are less likely. We recommend calling TD and outlining your situation more thoroughly. We hope we gave you some direction though.

GreedyRates

Ram Sundaram says:

We paid for our trip to India using TD infinite visa. Need to know about trip cancellation and trip interruption benefits.

The GreedyRates Team says:

Hi Ram,

Welcome to GreedyRates. We’re happy that you’re liking the TD Infinite Visa card, and if you’ve used it to book a flight to India, then you two will be covered with trip interruption and trip cancellation insurance. For trip interruptions, you’ll be covered with $5,000 per person up to a maximum of $25,000 for the group. For trip cancellation, individuals get $1,500 worth of insurance and the group can claim $5,000 for eligible cancellations.

For both insurance benefits, your dependent travelling companions and spouse will enjoy coverage as long as they’re on the same itinerary. If you need any more help then let us know, and we’ll be happy to provide.

Thanks,
GreedyRates Staff

Brian Peverill says:

I’m going to turn 65 next April, will I still have the rental car insurance?
We plan an extended trip to Europe (30 days +) how long am I able to rent a car with the insurance?
If the limit is 30 days can I re-rent after the 30 days and be covered?
Thanks Brian

The GreedyRates Team says:

Hi Brian,

Thanks for your request for further information about the rental car insurance benefit on these TD credit cards. In the chart, we’ve written all the changes coming to these cards in the future, and anything not included there will stay as it was before the update. This means that the rental car protection benefit will remain 48 consecutive days. We confirmed this with a TD representative on the phone, and your age will not have an impact on the length of your rental vehicle’s coverage.

To address your second question about circumventing the 48-day limit by re-renting another vehicle, the representative told us that your second rental wouldn’t be covered. We also found this information in the insurance pamphlet’s fine print. Even if you go to a different rental agency or rent a different car, you still won’t be able to get more than 48 days. In other words, it looks like you’re all set to have a safe, fun trip. Enjoy!

The GreedyRates Team

Andy Keilly says:

My wife and I are set to travel to Cuba June 2nd 2018.
I am 68, my wife is 65.
The trip was booked through TD Expedia using points and cash.
I understand we only have coverage for 4 days each, is this just for medical.
Approximately how much would it cost to add the extra 3 days coverage.
Cheers
Andy

GreedyRates says:

Hi Andy! Great questions. Also, what an awesome choice of destination! We hope you enjoy your trip, but first, you’ll need to be confident that your coverage is enough for you and your wife. You’re correct that you and she are covered with travel medical insurance for 4 consecutive days. However, the other perks all apply regardless of how long your trip is, whether you booked your travel arrangements with the card, or with your points. All you need to do for comprehensive protection is to extend your travel medical insurance coverage beyond 4 days.

This is easy to do. Just call TD and tell them that you’ll be flying to Cuba and need an extension. They’ll connect you with their insurance provider or handle it directly over the phone for you. We’re not exactly sure how much it will cost, and in all likelihood it changes depending on your age and destination, so this is also something to ask. Eat some tasty Cuban food for us and travel safe!

GreedyRates Staff

Jim says:

I booked a trip using my Aeroplan Miles and paid the supplementary fees with my TD VISA Aeroplan Infinite card. I purchased the Non-Medical insurance via the Aeroplan site when it was offered. Was I covered before I purchased this insurance? Also, is the medical end covered automatically as well? Lastly, if for some unforeseen reason we have to cancel our trip, will TD Insurance replace my Aeroplan Miles I used to book this trip? Thanks Kindly.

GreedyRates says:

Hi Jim. Thanks for your questions. To answer your first inquiry, though Aeroplan did recently extend the insurance it offers to flyers, non-medical insurance is not automatically covered. So your purchase wasn’t wasteful. Medical coverage for TD cardholders using their Aeroplan account was previously 15 days of coverage for the primary cardholder while traveling, but it is now 21 days.

If your trip needs to be cancelled for unforeseen purposes, TD will refund these miles to your account as long as you paid for the trip with your Aeroplan miles. You have within 21 days of departure to cancel. You will then see that the Aeroplan miles used to purchase the flight have been returned to your account, and the money used for fees and taxes credited to your Visa as well.

Safe travels!

GreedyRates Staff

Lily says:

Do these travel insurance medical and non medical benefits apply to additional card user too? Could you please elaborate what “insured person” mean?
Thank you very much

GreedyRates says:

Hi Lily,

Great question. For the travel medical insurance, the primary cardholder, spouse and dependent children are covered (whether the trip is booked through your credit card or not i.e. you could drive and be covered). All have to be residents of Canada. a dependent child is defined by TD per below:

Dependent Children means Your natural, adopted, or step-children who are:
• unmarried;
• dependent on You for financial maintenance and support; and
• under 22 years of age; or
• under 26 years of age and attending an institution of higher learning, full-time,
in Canada; or
• mentally or physically handicapped.
Exclusion: A Dependent Child does not include a child born while the child’s mother is outside her province

With respect to trip cancellation, trip delay and trip interruption, your spouse and your dependent children are covered whether they travel with you or not. But the trip has to be booked through your card at all times.

Please insure you review the certificate of insurance yourself so you understand all details, definitions and exclusions. That said, hope the above helped.

GreedyRates Staff

Geoff says:

I understand this card is also starting to offer a few days of medical coverage for cardholders over 65 – a trend which seems to be spreading with higher end cards.