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Accident & Sickness Insurance for TD Customers

Help protect your family in the event of a covered critical accident or illness resulting in disability, a serious injury or death.

Explore our plans to find the right fit

How coverage can help with your recovery

The TD Critical Accident Recovery Plan is a way to expand your health insurance coverage with a tax-free lump sum while you’re recovering from a covered critical accident.

Critical Accident Insurance can help supplement existing coverage you may have through life insurance, employee benefits or a provincial health care plan.

Plus, no medical or health questions are required when you apply for coverage.

Enroll now

 See a sample Certificate of Insurance

Do you have questions about the TD Critical Accident Recovery Plan? Call an advisor at 1-888-788-0839
Monday to Friday: 8 a.m. to 10 p.m. and Saturday 10 a.m. to 6 p.m. EST

Highlights & Benefits

The TD Critical Accident Recovery Plan is a way to build on your existing coverage. Here are some highlights of what you could get.

  • Tax-free lump sum

    Up to $150,000 in benefits can be paid directly to you in the event of a covered critical accident, depending on the severity of your injury or loss. Use it however you need it.

  • Guaranteed acceptance

    Your enrollment is guaranteed with no medical or health questions asked.

  • Competitive premiums

    Premiums start from as low as 50 cents a day including taxes. Plus, TD Canada Trust will pay your first month’s premium.

  • Hospital stays

    Get up to $200 a day for up to 365 days, for a total of up to $73,000, while the insured is in a Canadian hospital for a covered accident.

Here are some examples of what’s covered:

Critical Accident or Injury

Benefit Paid

Total paralysis

$150,000

Burns

Up to $150,000

Total loss of eyesight

$150,000

Brain Damage or Coma

$75,000

Specified Broken Bones

$3,000

Refer to the Sample Certificate of Insurance for a full description of features, benefits, limitations and exclusions.

Are you eligible to apply?

Our Critical Accident Recovery Plan is open to TD customers and Canadian residents2,1 only. Eligible parties include:

  1. Customers between the ages of 18 and 64

  2. Spouses between the ages of 18 and 64

  3. Dependent child or children3

About your insurance premiums

Premiums are fixed for the duration of coverage, unless they change for all Insured Persons under the policy.

They’re based on your age at the time of enrollment and are shown below (plus applicable taxes).

Coverage Age 18-54

Coverage Age 55-74
Single
$7.95 per month
$9.95 per month
Joint
$11.95 per month
$14.95 per month

Child rider + $1.00 per month (plus applicable taxes).

What if I change my mind?

Our Critical Accident Recovery Plan is open to TD customers and Canadian residents2,1 only.

  • If you decide to cancel during the review period, call us at 1-888-788-0839 and your Certificate of Insurance will be cancelled as of the Effective Date.
  • If you decide to cancel later, call us at 1-888-788-0839 and, provided no claims have been made, any unearned premiums you may have paid will be refunded.

Are you ready to enroll in the TD Critical Accident Recovery Plan?

  • Enroll online

    Getting your quote can be quick and convenient. Plus, no medical or health questions are required when you apply for coverage.

  • Apply by phone

    We’d love to hear from you.
    Monday to Friday:
    8 a.m. to 10 p.m.
    and Saturday
    10 a.m. to 6 p.m. EST

    1-888-788-0839 1-888-788-0839

  • Have us call you

    Request a call from a TD Life Insurance licensed advisor.

    Request a call

Read more about Accident & Sickness Insurance

Put your recovery first with TD Insurance

The TD Critical Illness Recovery Plan2 provides a lump sum payment to help with the costs of recovery, should you be diagnosed with life-threatening cancer, a heart attack or stroke and were healthy at the time of your application.

The Critical Illness insurance benefit may provide financial support during recovery if you're unable to work.

Apply now for TD Critical Illness Recovery Plan. We’re available Monday to Friday from 8 a.m. to 10 p.m. and Saturday 10 a.m. to 6 p.m. EST.

Call us at 1-888-788-0839

 See a sample Insurance Policy

Do you have questions about the TD Critical Illness Recovery Plan? Call an advisor at 1-888-788-0839
Monday to Friday: 8 a.m. to 10 p.m. and Saturday 10 a.m. to 6 p.m. EST

Highlights and benefits

See how the TD Critical Illness Recovery Plan could help make a difference in assisting you and your family.

  • Tax-free lump sum

    Up to $50,000 on approved claims for life-threatening cancer, heart attack or stroke.

  • Range of benefits

    Choose from a set of benefits ranging from $5,000 to $50,000.

  • Competitive premiums

    While designed to be affordable, premiums are based on your age, sex at birth, smoking status and health.

Coverage for the 3 most common critical illnesses

The TD Critical Illness Recovery Plan provides coverage for life-threatening cancer, heart attack and stroke.

  1. These covered conditions are the most common illnesses occurring across all ages in Canada4 and are the ones most likely to affect the average Canadian.

  2. Please refer to our sample Insurance Policy for a full description of features, benefits, limitations and exclusions.

Learn about your premiums

  • Premiums are fixed for 10 years regardless of changes to your age and health.
  • Monthly premiums are based on your age, sex at birth, smoking status and health at the time of your enrollment.
  • Have questions? We’d love to hear from you, toll-free at 1-888-788-0839 Monday to Friday from 8 a.m. to 10 p.m. and Saturday 10 a.m. to 6 p.m. EST

Are you eligible to apply?

Our TD Critical Illness Recovery Plan is open to TD Customers who meet the following criteria:

  1. A Canadian citizen at the time of enrollment2.

  2. Between the ages of 18 and 54 on the Insured Person’s Effective Date.

  3. Never had or never have been told you have cancer, heart attack or stroke and not currently under investigation for having cancer, a heart attack or a stroke

We may ask you other questions as part of your application. Your coverage approval depends on your answers to these questions.

What if I change my mind?

You have 30 days from your Effective Date noted in your Insurance Policy to review the benefits provided and decide if the coverage meets your needs.

  • If you decide to cancel during the review period, call us at 1-888-788-0839 and your Insurance Policy will be cancelled as of the Effective Date.
  • If you decide to cancel later, call us at 1-888-788-0839 and, provided no claims have been made, any unearned premiums you may have paid will be refunded.

  • Enroll by phone

    We’d love to hear from you.
    Monday to Friday:
    8 a.m. to 10 p.m. and
    Saturday 10 a.m. to 6 p.m. EST

    1-888-788-0839 1-888-788-0839

  • Have us call you

    Request a call from a TD Life Insurance licensed advisor.

  • Have more questions?

    If you’re looking for information on our TD Critical Illness Recovery Plan, we’ve got some answers to help you feel more prepared.

Read more about accident and health insurance

Financially help your family move forward

The TD Accidental Death Insurance Plan2 may help financially support your family in the event of your death as a result of a covered accident.

You can purchase our plan to help supplement existing coverage you may have through life insurance, employee benefits or your provincial health care plan.

Enroll now

 See a sample Certificate of Insurance

Do you have questions about the TD Accidental Death Insurance Plan? Call an advisor at 1-888-788-0839
Monday to Friday: 8 a.m. to 10 p.m. and Saturday 10 a.m. to 6 p.m. EST

Highlights and benefits

Here are some highlights of what you could get.

  • Tax-free lump sum

    Help your beneficiaries move forward with coverage ranging from $50,000 to $250,000.

  • Benefits doubled

    Benefits are double up to $500,000 if the covered accidental death happens while you are travelling on a common carrier, such as an airplane5.

  • Premiums

    Premiums start from $5.00 per month plus tax6. Plus, TD Canada Trust will pay your first month’s premium.

  • Family coverage

    You can choose to enroll your spouse and dependent child or children.8

  • Automatic anniversary bonus

    Accidental Death Insurance coverage increases by 1% of the original coverage issued (up to $2,500), each year you keep your coverage.

  • Hospital stays

    Coverage includes a daily hospital indemnity benefit, up to a total of $18,250.

  • Guaranteed acceptance

    Your enrollment is guaranteed with no medical or health questions asked if you are eligible to apply and your premiums are paid.2,7

Understanding your coverage

  • Accident means a bodily injury that occurs solely as a direct result of a violent, sudden and unexpected action from an outside source to an Insured Person.
  • Accidental Death Insurance means coverage for death caused directly by a covered accident, independently of any other causes, and which occurs within 365 days of that accident.
  • Please refer to our Sample Certificate of Insurance for a full description of features, benefits, limitations and exclusions.

About your premiums

Premiums are fixed for the duration of coverage unless they change for all Insured Persons under the Policy.

Coverage starts at $5.00 per month plus tax, as shown in the example below6.

Monthly Premiums

(Plus applicable taxes.)

Single

Joint
Coverage Amount — $50,000
$5
$10
Coverage Amount — $100,000
$10
$15
Coverage Amount — $150,000
$15
$20
Coverage Amount — $200,000
$20
$25
Coverage Amount — $250,000
$25
$30

Child rider + $1.00 per month plus tax

Are you eligible to apply?

Our TD Accidental Death Insurance Plan is exclusive to TD Customers and Canadian residents2. Eligible parties include:

  1. Customers between the ages of 18 and 65

  2. Spouses between the ages of 18 and 65

  3. Dependent child or children3

What if I change my mind?

You have 30 days from your effective date of coverage noted in your Certificate of Insurance to review and decide if coverage meets your needs.

  • If you decide to cancel during the review period, call us at 1-888-788-0839 and your Certificate of Insurance will be cancelled as of the Effective Date.
  • If you decide to cancel later, call us at 1-888-788-0839 and, provided no claims have been made, any unearned premiums you may have paid will be refunded.

Enroll online or by phone

  • Enroll online

    Get a quote quickly and conveniently. Plus, no medical or health questions are required when you apply for coverage.

    Enroll now

  • Enroll by phone

    We’d love to hear from you.
    Monday to Friday:
    8 a.m. to 10 p.m.
    and Saturday
    10 a.m. to 6 p.m. EST

    1-888-788-0839 1-888-788-0839

  • Have us call you

    Request a call from a TD Life Insurance licensed advisor.

Read more about accident and health insurance

Monthly benefits if you’re unable to work

The TD Accident Disability Insurance Plan2 is designed to help you with ongoing living expenses if you were to get disabled from a covered accident. We offer an easy claim submission process with coverage up to your 70th birthday.

Enroll now

 See a sample Certificate of Insurance

Do you have questions about the TD Accident Disability Insurance Plan? Call an advisor at 1-888-788-0839
Monday to Friday: 8 a.m. to 10 p.m. and Saturday 10 a.m. to 6 p.m. EST

Highlights and benefits

Here are the highlights of the TD Accident Disability Insurance Plan.
Please refer to our Sample Certificate of Insurance for a full description of features, benefits, limitations and exclusions.

  • Tax-free monthly payments

    You could receive a tax-free monthly benefit for up to 24 months if you become disabled as a direct result of an accident.

  • Additional 1 Month Recovery Benefit

    At the end of your disability period, you would receive one (1) additional monthly benefit payment for your recovery. This recovery benefit could help provide additional financial support as you get better from your disability

  • Range of benefits and premiums

    Choose to receive benefits ranging from $500 to $1,500 per month. Premiums start from $15 per month plus tax.6 Plus, TD Canada Trust will pay your first month’s premium.

  • No medical exam required

    A medical exam is not required to be eligible, but a pre-existing condition exclusion does apply.

Coverage and Premiums

If you become disabled within 90 days of an eligible accidental injury, you can receive benefits for up to 24 months from the day your disability begins.

Coverage starts at as low as $0.50 per day, plus tax shown in the below examples.

Monthly premium*

Monthly Benefit* (up to 24 months for each disability period)

Recovery Benefit: one additional monthly benefit paid at the end of each disability period

$15

$500

$500

$20

$1,000

$1,000

$25

$1,500

$1,500

*Plus applicable taxes

Are you eligible to apply for coverage?

The TD Accident Disability Insurance Plan is open to TD Customers who are Canadian residents2 only. Eligibility includes:

  • TD Customers between the ages of 18 and 60
  • You must work a minimum of 30 hours per week
  • Open to any occupation, except if you are a pilot, steeplejack, military personnel, bridge worker, structural or ironworker, homemaker, offshore oil worker, student, blaster or explosive handler, underground mining worker, professional diver or quarry worker

What if I change my mind?

You have 30 days from the date you enroll to review the benefits provided and decide whether or not the coverage meets your needs.

  1. If you decide to cancel during the review period, call us at 1-888-788-0839 and your Insurance Certificate will be cancelled as of the date you enroll.

  2. If you decide to cancel later, call us at 1-888-788-0839 and we will refund any premiums we may owe you, provided no claims have been made.

  3. Coverage can be reinstated within 2 years of the lapse date provided all past due premiums have been paid.

  • Enroll online

    Get a quote within quickly and conveniently. Plus, no medical or health questions are required when you apply for coverage.

    Enroll now

  • Apply by phone

    We’d love to hear from you.
    Monday to Friday:
    8 a.m. to 10 p.m.
    and Saturday
    10 a.m. to 6 p.m. EST

    1-888-788-0839 1-888-788-0839

  • Have us call you

    Request a call from a TD Life Insurance licensed advisor.

Read more about Accident Disability Insurance

Underwritten by TD Life Insurance Company.

1The example premium shown is for illustration only. Your actual premium will depend on the coverage selected.
2Residents in Quebec are not eligible.
3For defined terms, limitations and exclusions, refer to the applicable Insurance Certificate or Policy.
4Statistics Canada. Table 13-10-0394-01 Leading causes of death, total population, by age group.
5For defined terms, limitations and exclusions, refer to the applicable Insurance Certificate or Policy.
6The example premium shown is for illustration only. The actual premium will depend on the coverage selected.
7You must be between ages 18 and 65 to be eligible for Accidental Death Insurance.

TD Insurance TD Life Insurance Company P.O. Box 1 TD Centre Toronto, Ontario M5K 1A2