What is excluded in my Travel Insurance Coverage?

When headed on a trip, travel insurance is something to consider packing for your journey. There are advantages that come from having travel insurance while away from home, but it’s also important to know about the limitations and exclusions attached to your travel coverage. Before you hit the road, skies or seas, check with your insurance provider to learn about these limitations and exclusions.


Does TD Travel Insurance charge a deductible?

TD Travel Insurance doesn’t charge a deductible for our Per Trip Plan, Annual Plan, 55+ Extended Plan, Trip Cancelation and Trip Interruption Insurance.


What are pre-existing conditions?

A pre-existing condition is any medical condition that you have, that exists prior to your effective date of your travel insurance coverage. Having a pre-existing condition doesn’t disqualify you from getting travel insurance, but your pre-existing condition will have to be considered “stable” to receive coverage for a specified period of time before your effective coverage date. It’s your responsibility as a certificate holder to provide us with accurate medical information in your application. You should carefully review your certificate to understand the pre-existing condition exclusion and what is and is not considered stable. If you have any questions, please contact your insurance provider.


How long do I have coverage for?

Applicants that have purchased our Per Trip Plan have up to 212 days of insurance coverage attached to their travel, depending on the maximum number of days allowed by your province of residence.

Travel medical insurance coverage traditionally ends either on the insured person’s return date (as listed in the certificate) or when they return to their home province or territory. If you’re experiencing an eligible medical emergency, your coverage is usually extended up to 72 hours immediately following the end of the covered medical emergency.


Can I extend my coverage while I’m away?

Away from home for longer than expected?. We offer the ability to extend your coverage. Just dial 1-800-293-4941 to speak with an administrator to extend your coverage and answer any questions you might have.


What are some travel exclusions?

Refer to your certificate of insurance for full details of coverage and if you have any questions you should call our administrator. Please note that a failure to notify our Emergency Assistance Centre within 48 hours of an incident may result in reduced Medical Emergency Benefits. If you need to Cancel or Interrupt your trip, contact our Emergency Assistance Centre no later than 24 hours following the covered cause for Trip Cancellation or Trip Interruption Insurance.

Whether you have a Per-Trip Plan, Annual Plan or 55+ Extended Stay Plan, there are travel exclusions that will come into play. The complete list of what travel exclusions apply to your plan will appear in your certificate of insurance, but here are some examples of the travel exclusions for these policies:

  •   Experimental and elective treatment
  •   Pregnancy (9 weeks before the expected date of delivery or any time after delivery)
  •   Intentionally inflicted injuries
  •   Alcohol or drug abuse
  •   Crime
  •   Professional sports or racing
  •   Hazardous activities
  •   Travel advisories

What travel limitations are there?

Limitations applicable to the Per Trip Plan, Annual Plan and 55+ Extended Stay Plan. It’s important to know that medical emergency benefits will only be paid for eligible medical emergency expenses. Emergency costs that aren’t “eligible” will not be paid. These policies also top out at a maximum benefit of up to $5,000,000 for each insured person.

Limitations Applicable to Trip Cancellation and Trip Interruption Insurance:

Trip Cancellation benefits are available up to the amount of coverage purchased to a maximum insurable amount of $20,000 per insured person, per covered trip.

Trip Interruption benefits are available for the unused portion of pre-paid travel arrangements, up to the amount of coverage purchased prior to departure, to a maximum insurable amount of $20,000 per insured person, per covered trip.

You should carefully review your certificate of insurance to understand the exclusions and limitations that apply. And if you have questions about travel insurance coverage, exclusions and limitations - no problem. We’re ready to help. Give us a call at 1-800-293-4941, Monday to Saturday from 8 a.m. to 9 p.m. EST., and our administrator will be happy to answer your questions. If you’re seeking claims support, dial 1-866-848-9744 to get in contact with our 24/7 support line.

Get a travel insurance quote online:
Per Plan Trip
Annual Plan
55+ Extended Stay Plan
Trip Cancellation and Trip Interruption