Why it can be important to have travel insurance

Information for Quebec Residents – TD and MBNA Credit Card Product Summaries

Legal

TD Insurance Travel Insurance plans (TD Insurance Multi-Trip All-Inclusive Plan, TD Insurance Single-Trip Medical Plan, TD Insurance Multi-Trip Medical Plan and TD Insurance Trip Cancellation & Interruption Plan) are individual insurance plans administered by Global Excel Management Inc. and its subsidiary, CanAm Insurance Services (2018) Ltd. TD Insurance Multi-Trip All-Inclusive Plan and TD Insurance Trip Cancellation & Interruption Plan are underwritten by TD Life Insurance Company (medical covered causes) and TD Home and Auto Insurance Company (non-medical covered causes). TD Insurance Single-Trip Medical Plan and TD Insurance Multi-Trip Medical Plan are 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 policy for full details.

1. The TD Insurance Multi-Trip All-Inclusive Plan will provide coverage for each covered trip taken within 1 year up to the maximum trip duration you selected when the policy was purchased. If the oldest person on the insurance policy is 15 days old to 59 years old, the maximum trip duration is 60 consecutive days. If you are 60 years and older, the available maximum trip durations are 22 or 30 consecutive days.

Coverage may be subject to conditions, exclusions, and limitations. Refer to your Policy of Insurance for full details of coverage for the TD Insurance Multi-Trip All-Inclusive Plan.

2.Coverage may be subject to conditions, exclusions and limitations. Answering a Medical Questionnaire is required for those 60 years of age or older to determine eligibility for the TD Insurance Single-Trip Medical Plan. Refer to your Policy of Insurance for full details of coverage.

3. The TD Insurance Multi-Trip Medical Plan will provide emergency travel medical coverage for each covered trip taken within 1 year up to the maximum trip duration you selected when the policy was purchased. If the oldest person on the insurance policy is 15 days old to 79 years old, the available maximum trip durations are 4, 9, 16 or 30 consecutive days. If you are 80 years and older, the available maximum trip durations are 4, 9 or 16 consecutive days.

Coverage may be subject to conditions, exclusions and limitations. Answering a Medical Questionnaire is required for those 60 years of age or older to determine eligibility for the TD Insurance Multi-Trip Medical Plan. Refer to your Policy of Insurance for full details of coverage.

4.Coverage may be subject to conditions, exclusions and limitations. Refer to your Policy of Insurance for full details of coverage for the TD Insurance Trip Cancellation & Interruption Plan.

5. The TD Insurance Multi-Trip All-Inclusive Plan has family coverage and provides coverage 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 to; or the person you have lived for at least 1 year and publicly refers 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.

All insured persons may travel independently of one another.

All covered travellers must be a Canadian resident and be covered by the government health insurance plan of your Canadian province or territory of residence for the entire duration of your trip and at the time you incur a claim.

If any of the travellers do not meet these criteria, that traveller will need to complete a separate application for their own policy.

Up to 6 travellers including yourself are permitted to be under a policy through our online application. To purchase additional coverage for groups of more than 6 people, please call our administrator at 1-833-962-1143.

6. Family Coverage is available on the TD Insurance Single-Trip Medical Plan and the TD Insurance Multi-Trip Medical 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 to; or the person you have lived for at least 1 year and publicly refers to as your domestic partner.

Dependent Child(ren) means your natural, adopted, or step-children who are:
c) unmarried; and
d) 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.

All covered travellers must be a Canadian resident and be covered by the government health insurance plan of your Canadian province or territory of residence for the entire duration of your trip.

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.

Up to 6 travellers including yourself are permitted to be under a policy through our online application.

To purchase additional coverage for groups of more than 6 people, please call our administrator at 1-833-962-1143.