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How much does the TD Insurance Single-Trip Medical Plan cost in Canada?
Published: December 10, 2025
Updated: June 25, 2026
Where will your travels take you next? As you start to plan your next adventure, whether it's a domestic getaway outside of your home province or territory or an international journey, make sure you also look into a travel insurance plan that could help offer financial protection for covered events. One option to consider is the TD Insurance Single-Trip Medical Plan, which provides up to $10 million in coverage for one trip.
In this article:
What is single-trip emergency medical travel insurance?
What can influence the cost of the TD Insurance Single-Trip Medical Plan?
Examples of what premiums could cost
What's covered under the TD Insurance Single-Trip Medical Plan?
What’s not included with the TD Insurance Single-Trip Medical Plan?
When is the right time to purchase a single-trip medical plan?
What is single-trip medical travel insurance?
Single-trip medical insurance plans are designed for travellers looking for emergency medical insurance coverage for one trip. If you're travelling with a travel companion, spouse, or family, these plans also often offer cost-effective couple or family coverage.
The TD Insurance Single-Trip Medical Plan can provide up to $10 million in coverage for eligible emergency medical expenses while travelling outside of your province or territory of residence. This makes it a good choice for both domestic and international travel. And, with this plan, you also have the option to enhance your coverage with top-up or extension or by adding trip cancellation & interruption coverage.
What can influence the cost of the TD Insurance Single-Trip Medical Plan?
It's important to be aware of the factors that can impact the cost of the TD Insurance Single-Trip Medical Plan. There are several different factors that we consider when calculating your premiums. Some of which are:
Examples of what TD Insurance Single-Trip Medical Plan premiums could cost
Travelling outside of Canada
TD Insurance Single-Trip Medical Plan | ||||
Traveller profile – Travelling outside of Canada | Trip duration | Coverage type | Standard premiums (includes any applicable taxes) | Premiums for existing TD Insurance customers (includes any applicable taxes) |
| Solo traveller (age 25) | 7-days | Coverage for emergency medical expenses | $41.00 | $38.95 |
| Two adults (both age 30) | $74.00 | $70.11 | ||
| Family coverage for two adults (both age 40) with four dependent children3 | $88.00 | $83.60 | ||
Travelling within Canada only
TD Insurance Single-Trip Medical Plan | ||||
Traveller profile – Travelling within Canada only | Trip duration | Coverage type | Standard premiums (includes any applicable taxes) with 25% domestic travel savings1 | Premiums for existing TD Insurance customers (includes any applicable taxes) with 25% domestic travel savings1 |
| Solo traveller (age 25) | 7-days | Coverage for emergency medical expenses | $30.75 | $29.21 |
| Two adults (both age 30) | $55.50 | $52.58 | ||
| Family coverage for two adults (both age 40) with four dependent children3 | $66.00 | $62.70 | ||
What's covered under the TD Insurance Single-Trip Medical Plan?
The TD Insurance Single-Trip Medical Plan offers coverage for eligible emergency medical expenses. Here's what coverage includes per insured person:
- Up to $10 million in emergency travel medical coverage
Coverage for eligible costs such as: physician and hospital fees, ambulance services, diagnostic services, prescription drugs, and medical appliances. - Up to $2,000 for eligible emergency dental treatment
- Up to $1,500 in out-of-pocket meals and lodging
Coverage for cost of meals and lodging if an emergency causes you to miss a scheduled return or requires you to be relocated for treatment. - Up to $300 in individual paramedical services per profession listed below
Provides coverage for eligible services such as those of a licensed chiropractor, chiropodist, osteopath, podiatrist, or physiotherapist. - Emergency return home
Must be approved and arranged in advance by our administrator.
What’s not included with the TD Insurance Single-Trip Medical Plan?
It's important to make yourself aware of the exclusions and limitations of the TD Insurance Single-Trip Medical Plan, or any travel insurance plan you are planning to buy. This is because benefits are only paid for eligible expenses in case of covered events and only up to the maximum amount. You can find the full description of eligibility requirements, defined terms, benefits, and limitations and exclusions that apply to this plan in the policy.
Below are some examples of limitations and exclusions that can make you ineligible for the coverage:
- 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.
When is the right time to purchase a single-trip medical plan?
You must purchase the TD Insurance Single-Trip Medical Plan before you depart in order to have coverage for your trip. It's recommended that you purchase this plan when you confirm your travel details and make your initial trip payment. This could be after you book your flight, hotel, or tour.
This is also a good idea if you're thinking of adding trip cancellation or trip interruption coverage to your existing plan. Trip cancellation or trip interruption insurance will start immediately after you purchase it and will provide you with coverage if your trip is cancelled or interrupted for a covered reason. This could be an event that occurs before or during your trip. With the TD Insurance Trip Cancellation & Interruption Plan, your coverage can be purchased up to 186 days before your departure date.
Ready to get started? Get your quote today.
Now that you have a clearer picture of the TD Insurance Single-Trip Medical Plan, why not start with a quote? You can get your free, no-obligation quote online in four simple steps.
TD Insurance Single-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 Policy. Coverages and benefits are subject to eligibility conditions, limitations, and exclusions, including pre-existing medical condition exclusions. Please refer to the Insurance Policy for full details.
The content on this page is for general information purposes only and does not constitute legal, financial or insurance advice. The information contained herein is subject to change without notice. Coverages described herein may be subject to additional eligibility criteria, limitations and exclusions. In the case of conflict between the content on this page and your insurance contract, your contract shall govern. In the event you make a claim, potential indemnification is also subject to the receivability of the claim and the type of coverage you bought.
1 The savings is only available to applicants who apply for a new TD Single-Trip Plan for a trip which must be entirely within Canada. No portion of your trip may take place outside Canada, including any US layovers or other stops. The savings is subject to a minimum premium. We reserve the right to cancel, discontinue or remove the savings at any time without notice.
2 The sample premiums are calculated as of April 2026 and are subject to change. Your actual premium will depend on your application.
3 Dependent Child(ren) means your natural, adopted, or step-children who are:
- unmarried; and
- dependent on you for financial maintenance and support; and
- under 22 years of age, or
- under 26 years of age and attending an institution of higher learning, full-time, in Canada; or
- mentally or physically handicapped.
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.