Have you ever read the details of your TD Travel Medical Insurance provided by your credit card?
I have summarized a few important details as you evaluate whether you need additional emergency medical insurance during your travels.
The following credit cards have the Travel Medical Insurance coverage with TD:
- TD Aeroplan Visa Infinite (Certificate of Insurance)
- TD First Class Travel Visa Infinite (Certificate of Insurance)
- TD Cash Back Visa Infinite (Certificate of Insurance)
- TD Aeroplan Visa Infinite Privilege (Certificate of Insurance)
The information listed below is my interpretation of the insurance policy.
For other credit card issuers, information about their travel insurance policy is available here:
- American Express Out of Province and Country Emergency Medical Insurance
- BMO Out of Province Emergency Medical Protection Insurance
- CIBC Out of Province Emergency Medical Travel Insurance
- RBC Out of Province Emergency Medical Travel Insurance
- Scotiabank Travel Emergency Medical Insurance
- TD Travel Medical Insurance
Coverage Eligibility
The basic coverage provided for all the listed cards are:
- Coverage is provided to the cardholder, cardholder’s spouse, and cardholder’s dependent children.
- Coverage is limited to $2,000,000.
- The dependent children do not need to be traveling with the cardholder or the cardholder’s spouse.
- Additional cardholders are covered as well.
Exclusions of Basic Coverage
Important Exclusions:
- Pre-existing medical conditions need to be stable at least 90 days prior to your trip departure date, for those under 65, or 180 days, for those 65 or older.
- Scuba diving (unless you have a designation), motorized race, motorized speed contest, bungee jumping, parachuting, rock climbing, mountain climbing, hang-gliding or skydiving, amongst other sports and high risk activities.
Coverage Benefits
| Benefits | Limitations (C$) |
|---|---|
| Accommodation in a Hospital or Medical Facility | - |
| Doctor's Bills | - |
| Private Registered Nurse | 5,000 |
| Ground Ambulance Service | - |
| Air Ambulance Service | - |
| Paramedical Services | Not covered |
| Diagnostic Services | - |
| Prescriptions | Up to 30 days of supplies |
| Medical Appliances | - |
| Emergency Dental Treatment | 2,000 |
| Emergency Dental Pain Relief | 200 |
| Emergency Return Home | - |
| Care and Return of Dependent Children | Not covered |
| Transportation to Bedside | 150 per day for a maximum of 10 days for meal and hotel accommodation |
| Traveling Companion Benefit | One-way economy fare for traveling companion if they stay beyond their scheduled return date. |
| Return of Deceased | 5,000 |
| Meals and Accommodation | 350 per day 3,500 maximum Only for meal and accommodation expenses incurred after the date you were scheduled to return to the departure point or if you need to be relocated for treatment. |
| Vehicle Return | 1,000 for your return of private or rentlal vehicle |
| Incidental Expenses | 50 per day 500 maximum |
| Return of Excess Baggage | 500 |
Differences between cards
The major difference between the credit cards is what is the age group that is covered by the insurance and how long they are covered for.
| Credit Card | 64 Years or Younger | 65 Years or Older |
|---|---|---|
| TD Cash Back Visa Infinite | 10 | 4 |
| TD Aeroplan Visa Infinite | 21 | 4 |
| TD First Class Travel Visa Infinite | 21 | 4 |
| TD Aeroplan Visa Infinite Privilege | 31 | 4 |
Conclusion
One unique situation about the TD credit cards are that the benefits are extended to the dependent children and spouse, and even additional cardholders, even if they are not traveling with the cardholder.
