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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
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Critical Accident Recovery Plan
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Critical Illness Recovery Plan
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Accidental Death Insurance
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Accident Disability Insurance
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.
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.
Here are some examples of what’s covered:
Critical Accident or Injury |
Benefit Paid |
---|---|
Total paralysis |
$100,000 |
Burns |
Up to $100,000 |
Total loss of eyesight |
$100,000 |
Brain Damage or Coma |
$50,000 |
Specified Broken Bones |
$7,000 |
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:
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Customers between the ages of 18 and 64
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Spouses between the ages of 18 and 64
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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
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$9.95 per month
|
$12.95 per month
|
Joint
|
$13.95 per month
|
$16.95 per month
|
Child rider + $2.00 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?
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
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.
Coverage for the 3 most common critical illnesses
The TD Critical Illness Recovery Plan provides coverage for life-threatening cancer, heart attack and stroke.
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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.
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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:
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A Canadian citizen at the time of enrollment2.
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Between the ages of 18 and 54 on the Insured Person’s Effective Date.
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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.
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.
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.
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
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Coverage Amount — $100,000
|
$10
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$15
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Coverage Amount — $150,000
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$15
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$20
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Coverage Amount — $200,000
|
$20
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$25
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Coverage Amount — $250,000
|
$25
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$30
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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:
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Customers between the ages of 18 and 65
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Spouses between the ages of 18 and 65
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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
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.
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.
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.
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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.
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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.
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Coverage can be reinstated within 2 years of the lapse date provided all past due premiums have been paid.
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