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.
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:
- Customers between the ages of 18 and 64
- Spouses between the ages of 18 and 64
- 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).
Child rider + $1.00 per month (plus applicable taxes).
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
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.
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.
- 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.
- Please refer to our sample Insurance Policy for a full description of features, benefits, limitations and exclusions.
Learn about your premiums
Are you eligible to apply?
Our TD Critical Illness Recovery Plan is open to TD Customers who meet the following criteria:
- A Canadian citizen at the time of enrollment2.
- Between the ages of 18 and 54 on the Insured Person’s Effective Date.
- 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
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.
Check out the FAQs
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.
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
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.)
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:
- Customers between the ages of 18 and 65
- Spouses between the ages of 18 and 65
- 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 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
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
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.
*Plus applicable taxes
*Plus applicable taxes
The TD Accident Disability Insurance Plan is open to TD Customers who are Canadian residents2 only. Eligibility includes:
Are you eligible to apply for coverage?
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.
- 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.
- 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.
- 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.
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
Read more about Accident Disability Insurance
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Accident Disability Insurance: Things to Consider
Learn how Accident Disability Insurance could provide financial coverage to help you and your family in the event of your disability as a result of injuries caused by a covered accident.
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Accidental Death Insurance
A coverage option that can provide financial support if you were to pass on from injuries caused by a covered accident.
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Insurance for Stroke, Heart Attack & Life-Threatening Cancer
Discover how the TD Critical Illness Recovery Plan can help you.
