What is excluded in my Travel Insurance Coverage?

Coverage Exclusion

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 any limitations and exclusions in your policy or certificates.


Does TD Insurance Travel Insurance charge a deductible?

A deductible isn't charged for the TD Insurance Single-Trip Medical Plan, TD Insurance Multi-Trip Medical Plan, TD Insurance Multi-Trip All-Inclusive Plan and the TD Insurance Trip Cancellation & Interruption Plan.


What are pre-existing conditions?

A pre-existing condition is any medical condition that you have, that exists prior to the 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" for a specified period of time before your effective date, to receive a coverage. It’s your responsibility as a policyholder to provide accurate medical information in your application. You should carefully review your policy 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 travel medical insurance coverage for?

Travel medical insurance coverage traditionally ends either on the insured person’s return date (as listed in the confirmation of coverage) or when they return to their province or territory of residence. However, if you’re experiencing an eligible medical emergency, your insurer may extend your coverage for a certain number of days. This can vary by insurer, so it is important to review your plan before you travel.


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 1-833-962-1143 to speak with our administrator to apply to extend your coverage and answer any questions you might have.


What are some travel exclusions?

Refer to your policy for full details of coverage and if you have any questions you should call our administrator, Global Excel. Contact our administrator immediately or as soon as reasonably possible in the event of an emergency. Failure to do so may result in reduced emergency medical benefits. If you need to cancel or interrupt your trip, contact our administrator no later than 24 hours following the covered cause for the TD Insurance Trip Cancellation & Interruption Plan or TD Insurance Multi-Trip All-Inclusive Plan.

Whatever travel insurance plan you may purchase, there are travel exclusions that will come into play. The complete list of what travel exclusions apply to your plan will appear in your policy, but here are some examples of the travel exclusions for these policies:

  •   Non-Emergency services
  •   Child born during the Covered Trip
  •   Intentional self-inflicted injury
  •   Abuse of alcohol, drug, or intoxicants
  •   Illegal act
  •   Sports and High Risk Activities
  •   Travel advisories

What travel limitations are there?

Limitations applicable to the TD Insurance Single-Trip Medical Plan, TD Insurance Multi-Trip Medical Plan and TD Insurance Multi-Trip All-Inclusive Plan:

It’s important to know that medical emergency benefits will only be paid for eligible medical emergency expenses.
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 the TD Insurance Trip Cancellation & Interruption Plan

Trip Cancellation benefits are available up to the amount of coverage you purchased to a maximum insurable amount of $25,000 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 you purchased prior to departure, to a maximum insurable amount of $25,000 per insured person, per covered trip.

You should carefully review your policy to understand the exclusions and limitations that apply. And if you have questions about travel insurance coverage, exclusions and limitations –our administrator is here to help! Give our administrator a call at 1-833-962-1143, Mon–Fri: 8:00 am–9:00 pm and Sat: 9:00 am–5:00 pm ET., and our administrator will be happy to answer your questions.

If you are seeking claims support, visit https://globalexcel.com/TD or dial 1-833-962-1140 to get in contact with our administrator for 24/7 emergency assistance.

Learn more about TD Insurance Travel Insurance plans here.