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:

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:

Coverage Eligibility

The basic coverage provided for all the listed cards are:

  1. Coverage is provided to the cardholder, cardholder’s spouse, and cardholder’s dependent children.
  2. Coverage is limited to $2,000,000.
  3. The dependent children do not need to be traveling with the cardholder or the cardholder’s spouse.
  4. 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

BenefitsLimitations (C$)
Accommodation in a Hospital or Medical Facility-
Doctor's Bills-
Private Registered Nurse5,000
Ground Ambulance Service-
Air Ambulance Service-
Paramedical ServicesNot covered
Diagnostic Services-
PrescriptionsUp to 30 days of supplies
Medical Appliances-
Emergency Dental Treatment2,000
Emergency Dental Pain Relief200
Emergency Return Home-
Care and Return of Dependent ChildrenNot covered
Transportation to Bedside150 per day for a maximum of 10 days for meal and hotel accommodation
Traveling Companion BenefitOne-way economy fare for traveling companion if they stay beyond their scheduled return date.
Return of Deceased5,000
Meals and Accommodation350 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 Return1,000 for your return of private or rentlal vehicle
Incidental Expenses50 per day
500 maximum
Return of Excess Baggage500

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 Card64 Years or Younger65 Years or Older
TD Cash Back Visa Infinite104
TD Aeroplan Visa Infinite214
TD First Class Travel Visa Infinite214
TD Aeroplan Visa Infinite Privilege314


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.