TD Insurance Multi-Trip Medical Plan

If you’re a frequent traveller who is looking to apply for emergency medical coverage, then this annual plan could be more cost-effective than buying a single plan each time you travel. You’ll get medical coverage for an unlimited number of trips taken outside of your province or territory of residence, up to your chosen maximum trip duration, for one year.

Coverage Highlights

Coverage Overview

Maximum Benefit Payable

Emergency Travel Medical

Covers eligible costs such as:

  •  Physician and hospital fees
  •  Ambulance services
  •  Diagnostic services
  •  Prescription drugs
  •  Medical appliances

Up to $5 million per insured person, per covered trip for each annual period of coverage

Paramedical Services

Covers eligible services of a licensed chiropractor, chiropodist, osteopath, podiatrist or physiotherapist

Up to $300 per profession listed if required as a covered emergency, per insured person, per covered trip for each annual period of coverage

Emergency Dental Treatment

Up to $2,000 per insured person, per covered trip for each annual period of coverage

Emergency Return Home

Must be approved and arranged in advance by our administrator

Out-of-Pocket Meals and Lodging

Covers costs of meals and lodging if an emergency causes you to miss a scheduled return or requires you to be relocated for treatment.

Up to $1,500 per insured person, per covered trip for each annual period of coverage


You must meet the following conditions to be eligible to apply for this insurance:

  • You are a Canadian resident.
  • You are covered by the government health insurance plan of your province or territory of residence for the entire duration of your trip and at the time a claim is incurred.
  • The minimum age of coverage for anyone on your policy, including a spouse1 or dependent children2, is 15 days old. There is no maximum age limit for you or your spouse.
  • Applicants 60 years of age and older will need to complete a medical questionnaire.
  • There are medical conditions that could make you ineligible for coverage under this plan.3
  • If you are 15 days to 79 years old, you have a choice of selecting the maximum trip length of 4, 9, 16 or 30 consecutive days.
  • If you are 80 years old or older, you have a choice of selecting the maximum trip length of 4, 9 or 16 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.4
  • 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.
  • Noncompliance with any medically prescribed medical therapy or treatment.
  • The birth of any child during your trip.

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

This plan could give you more value

If you’re planning more than one trip in a year, then this plan could be a better value when you consider the following:

  • Provides coverage for an unlimited number of trips up to your selected maximum trip duration that you take in a year.
  • This plan could cost less than purchasing a separate emergency medical insurance plan for each trip within a year.

TD Insurance Multi-Trip Medical Plan is administered by Global Excel Management Inc. and its subsidiary, CanAm Insurance Services (2018) Ltd. TD Insurance Multi-Trip Medical Plan is an individual plan underwritten by TD Life Insurance Company. 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. 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.

2. 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.

Your Dependent Child(ren) must be travelling with you or your spouse.

If any child(ren) does not meet the criteria as a dependent child(ren), that child will need to complete a separate application for their own policy.

3. You must NOT be travelling against the advice of a physician or have been diagnosed with a terminal illness or metastatic cancer; you must NOT have a kidney disease requiring dialysis; and you must NOT have been prescribed or used home oxygen during the 12 months prior to your date of application.

4. 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