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Understanding the TD Insurance Multi-Trip Medical Plan and how much it can cost

Published: March 24, 2026

If you travel frequently and are looking into emergency medical coverage, the TD Insurance Multi-Trip Medical Plan could be right for you. This plan offers 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 full year.

What is multi-trip medical travel insurance?

Multi-trip medical travel insurance is a type of travel insurance that provides emergency medical coverage for multiple trips within a 12-month period. If you purchase this policy, you can take an unlimited number of trips during this period. For each trip, you will have coverage for up to the number of days you selected when you initially purchased coverage. For example, the TD Insurance Multi-Trip Medical Plan offers 4, 9, 16 and 30-day options1. Other travel insurance providers may offer different trip lengths to choose from. 

What can influence the cost of the TD Insurance Multi-Trip Medical Plan?

There are several different factors that can influence the cost of travel insurance and the TD Insurance Multi-Trip Medical Plan specifically. Let's review some of them now and look at some sample cost calculations.

  • Age
  • Number of days that coverage is needed
  • How many travellers need coverage
  • Health

Sample cost calculations

TD Insurance Multi-Trip Medical Plan

Sample premiums as of February 20262

Traveller profile

Longest trip duration

Coverage type

Standard premiums

 

Premiums for existing TD Insurance customers

25-year-old solo traveller

9-days

Coverage for emergency medical expenses

$82.00

$77.90

Two individuals (age 30)

$147.60

$140.22

Two parents aged 40 travelling with 4 dependant children3

$186.80

$176.70

Premiums above include any applicable taxes.

What's included with the TD Insurance Multi-Trip Medical Plan?

The TD Insurance Multi-Trip Medical Plan offers coverage for eligible emergency medical expenses. Here's what coverage includes per insured person:

  • Emergency travel medical coverage
  • Emergency dental treatment
  • Out-of-pocket meals and lodging
  • Paramedical services
  • Emergency Return Home

What’s not included with the TD Insurance Multi-Trip Medical Plan?

It's also important to be aware of the exclusions and limitations of any travel insurance plan that you are considering purchasing. This is because benefits are only paid for eligible expenses and only up to the maximum amount.

When it comes to the TD Insurance Multi-Trip Medical Plan, you can find the full description of eligibility requirements, defined terms, benefits, and limitations and exclusions that apply to this plan in the policy. However, at a glance, here are some limitations and exclusions:

  • Pre-existing medical conditions4
  • Travelling against the advice of a physician
  • Expenses not pre-approved by our administrator may be limited or excluded
  • Travel to destinations under a travel advisory by the Canadian government
  • Noncompliance with any prescribed medical therapy
  • Self-inflicted injuries
  • The birth of any child during your trip

When is the right time to purchase a multi-trip medical plan?

If you're interested in the TD Insurance Multi-Trip Medical Plan, you can apply for coverage before you depart in order to have coverage for your trips throughout the year. It's recommended that you apply for coverage after your initial travel payment. This could be after you book your flight, hotel, or tour.  

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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.

The content on this page is for general information purposes only and does not constitute legal, financial or insurance advice. Speak to a licensed insurance professional regarding your specific situation. The information contained herein is subject to change without notice.

1 The TD Insurance Multi-Trip Plan offers these coverage options for those that are between 15 days and 79 years of age.

2 The sample premiums are calculated as of December 2025 and are subject to change. Your actual premium will depend on your application.

3 Family Coverage is available on the TD Insurance Single-Trip Medical Plan, Multi-Trip Medical Plan and the Multi-Trip All-Inclusive Plan 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; or the person with whom you have lived for at least 1 year and you publicly refer 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.

Family Coverage is not available when a medical questionnaire is required for any of the travellers.
If any of the travellers do not meet these criteria, that traveller will need to complete a separate application for their own policy.
Family Coverage is only available for up to 6 travellers including yourself. To purchase additional coverage for groups of more than 6 people, please call our administrator at 1-833-962-1143.

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.