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Home / Travel Insurance / Multi Trip All Inclusive Plan

TD Insurance Multi-Trip All-Inclusive Plan

Planning to travel more than once a year? This annual plan can help provide coverage for medical emergencies as well as non-medical benefits like trip cancellation and baggage delay, for eligible trips throughout the year.

Coverage Highlights

  • Emergency Travel Medical

    Up to $10 million per insured person

  • Trip Cancellation

    Up to $2,500 per insured person or maximum $5,000 per family for each annual period of coverage

  • Trip Interruption

    Up to $5,000 per insured person, per covered trip

  • Baggage and Personal Effects

    Up to $1,000 per covered trip, up to a maximum of $2,000 for each annual period of coverage

  • Baggage Delay

    Up to $400 per covered trip, up to $800 for each annual period of coverage

  • Accidental Death and Dismemberment Flight Accident

    Up to $200,000 per insured person, up to $1 million for each annual period of coverage

  • Accidental Death and Dismemberment Common Carrier Accident

    Up to $100,000 per insured person, up to $500,000 for each annual period of coverage

  • Supplementary Non-Medical Benefits for Vehicle Assistance and Home Assistance

    Up to $5,000 in vehicle assistance for return of vehicle, return home or extended stay

    Up to $5,000 in home assistance for return home, trip interruption or return of vehicle

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  • Eligibility

    You and any additional travellers are eligible to apply if you meet the following conditions:

    • You are a Canadian resident and covered by your provincial or territorial government health insurance plan for the entire duration of your trip and at the time a claim is incurred.
    • The minimum age for coverage is 15 days old for anyone on your policy there is no maximum age limit for you or your spouse.1
    • Certain existing medical conditions may make you ineligible for coverage under this plan.2
    • If the insured person is 15 days to 59 years old, the maximum trip length for each trip is 60 consecutive days.
    • If the insured person is 60 years or older, you may select a maximum trip length, for each trip, of 22 or 30 consecutive days.

  • Exclusions and Limitations

    It’s important to know that benefits will only be paid for eligible expenses and only up to the maximum amount. A complete list of exclusions that apply to your plan will appear in your policy, but here are some examples.

    • Pre-existing medical conditions.3
    • Travelling against the advice of a physician.
    • Expenses not pre-approved by our administrator may be limited or excluded.
    • Abuse of alcohol, drug or toxic substances.
    • Self-inflicted injuries.
    • Travel to destinations under a travel advisory by the Canadian government.
    • Labour disruptions or strikes.
    • The birth of any child during your trip.

Refer to the Sample Policy for full description of eligibility requirements, defined terms, benefits, limitations and exclusions.

Examples of what premiums could look like

Here's what an annual premium could be for a family travelling with the TD Insurance Multi-Trip All-Inclusive Plan, which provides medical and non-medical coverage for multiple eligible single trips throughout the year. For those aged 59 and younger, the selected maximum trip length for each trip is 60 consecutive days. For those 60 or older, the selected maximum trip length for each trip is 30 consecutive days.

TD Insurance Multi-Trip All-Inclusive Plan

Examples of premium costs calculated as at July 2026

Traveller profile – Travelling outside of Canada

Standard premiums

Premiums for existing TD Insurance customers

Two adults (both age 40) with two dependent children1

$753.00

$476.90

Two adults (both age 55) with two dependent children1

$963.84

$522.08

Two adults (both age 69) with two dependent children1

$1034.12

$972.92

These sample premiums include all applicable taxes. They are subject to change. Your actual premium will depend on your application.

TD Insurance Multi-Trip All-Inclusive Plan is administered by Global Excel Management Inc. and its subsidiary, CanAm Insurance Services (2018) Ltd. TD Insurance Multi-Trip All-Inclusive Plan is an individual plan underwritten by TD Life Insurance Company (medical covered causes) and TD Home and Auto Insurance Company (non-medical covered causes). Medical and claims assistance, claims payment and administrative services are provided by the administrator described in the insurance policies. Coverages and benefits are subject to eligibility conditions, limitations, and exclusions, including pre-existing medical condition exclusions. Please refer to the Sample Policy for full details.

1. The TD Insurance Multi-Trip All-Inclusive Plan has family coverage and provides coverage for you, your Spouse and unmarried Dependent Child(ren) if you name them in your application.

Spouse means the person to whom you are legally married to; or the person you have lived for at least 1 year and publicly refers to as your domestic partner

Dependent Child(ren) means your natural, adopted, or step-children who are:
a) unmarried; and
b) dependent on you for financial maintenance and support; and
i. under 22 years of age, or
ii. under 26 years of age and attending an institution of higher learning, full-time, in Canada; or
iii.mentally or physically handicapped.

If any of the travellers do not meet these criteria, that traveller will need to complete a separate application for their own policy.

All insured persons may travel independently of one another

Up to 6 travellers including yourself are permitted to be under a policy through our online application.
To purchase additional coverage for groups of more than 6 people, please call our administrator at 1-833-962-1143.

2. Individuals with the following conditions are ineligible for coverage: travelling against the advice of a physician, have been diagnosed with a terminal illness or have kidney disease requiring dialysis. Please see the Sample Policy for full details on eligibility.

3. This insurance may not cover claims related to Pre-existing medical conditions. Pre-existing medical condition means any sickness, injury or medical condition (other than a minor ailment) that was not stable during the time period specified in the policy. Refer to the Sample Policy to determine how this exclusion may affect your coverage.

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

TD Home and Auto Insurance Company
P.O. Box 1 TD Centre
Toronto, Ontario M5K 1A2