Travel Medical Insurance

Are you planning to get away from it all?

Plan to take Travel Medical Insurance¹ with you, because one thing you don't want to leave behind is the quality medical care and coverage you have at home.

The fact is, your provincial (territorial) health insurance plan doesn't always cover the cost of medical emergencies when you're out of your province (territory) or out of Canada. Travel Medical Insurance through TD Insurance can help. Designed exclusively for TD Insurance clients and their families, it protects you where other plans leave off.

Annual Plan with Trip Cancellation and Trip Interruption coverage benefits

The best value for frequent travellers or business people! This is our most flexible protection, allowing you multiple trips of up to 17 days during the course of the year.

In addition, the Annual Plan provides you with Trip Cancellation and Trip Interruption coverage benefits. Trip Cancellation coverage benefits is subject to a maximum limit of $1,000 per Insured Person per Covered Trip and $5,000 total per Annual Plan Certificate per Policy Year and will be limited to the cancellation penalties in effect on the date the Cause for Cancellation arises. Trip Interruption benefits excludes the cost of pre-paid unused return transportation, and is subject to a maximum limit of $5,000 per Insured Person per Covered Trip.

If you want to apply for more Trip Cancellation insurance, or would like more information about increased coverage, you can call us at (416) 977-2039, or toll-free 1-800-293-4941 or online. You can apply for Trip Cancellation benefits of $1,500 per Insured Person per Covered Trip and $7,500 total per Annual Plan Certificate per Policy Period OR $3,000 per Insured Person per Covered Trip and $15,000 total per Annual Plan Certificate per Policy Period.

There are no Trip Cancellation and Trip Interruption Insurance benefits on the Per Trip Plan.

Per Trip Plan

Perfect for occasional travellers or short trips to the U.S. - just purchase before each trip. You can purchase Travel Medical Insurance for trips of one to 182 days. Coverage must be purchased for the entire duration of the trip, so be sure to include the departure and return dates when calculating the length of your trip.

Limits and Exclusions

There are some limitations and exclusions to the coverage . For example, you need to contact the Emergency Assistance Center at 1-866-374-1129 as soon as possible when a medical emergency happens, or benefits will be reduced to 80% of what would otherwise be payable, to a maximum of $30,000. A pre-existing condition exclusion may also apply. Please see the Certificate of Insurance for full details.

An important note for those 55 years of age or older

If you are 55 years of age or over and travelling for 18 days or more, or if you are 85 years of age or more, you must call (416) 977-2039, or toll-free 1-800-293-4941 for your individual quotation. This applies if you want to buy new insurance. If you already have Annual Plan coverage and want to buy extended coverage for a trip that will last more than 17 days you need to call 1-800-359-6704 from anywhere in Canada or the U.S., or from elsewhere call collect (416) 977-5040.

In either case:

• your telephone request for coverage will be subject to medical underwriting;
• if accepted for coverage, your premium will be based on your responses to a series of medical questions;
• the standard pre-existing condition will not apply to your Emergency Medical coverage, but if you have Annual Plan coverage, this exclusion will still apply to your Trip Interruption and Trip Cancellation coverage;
• you must make full disclosure of all medical conditions, including any changes to your condition before you leave on your trip; and
• applicants with certain unstable medical conditions may not qualify for coverage.

Please refer to section 4 of the Certificate of Insurance for complete details.

Complete List of Benefits, Exclusions and Limitations

Certificate of Insurance (Requires Acrobat Reader)

Quebec residents: You will also need to read and keep a copy of the Distribution Guide prior to enrolling in Travel Medical Insurance underwritten by TD Life Insurance Company.

Distribution Guide (Requires Adobe Acrobat)

Complete this easy, one-step quote and you could receive your travel insurance premium in less than a minute.

¹ Travel medical insurance is underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services under the Policy are provided by World Travel Protection Canada Inc.