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Travel coverage for your next trip

Whether you’re travelling to another Canadian province, territory or around the world, explore our travel insurance products.

Travel Insurance plans from TD Insurance

  • Up to $10 million in coverage with our emergency travel medical plans1

  • 24/7 emergency assistance by phone worldwide

  • Convenient 24/7 quotes and claims servicing when submitted online

  • Savings available when applying under couple2 or family3 coverage for select plans.

Explore Travel Insurance Plans from TD Insurance

Top-up or Extension8

Is your trip longer than your existing plan covers?

If you have an existing travel medical insurance plan and you need to extend your period of coverage for a particular trip, you can top-up or extend your existing coverage with TD Insurance. Our coverage begins after your existing plan ends.

Also, if you have a trip cancellation and trip interruption plan, you can add additional coverage if your trip cost is higher than what your existing plan covers.

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Compare plans

See what each of our plans include and choose the coverage that best suits your travel needs.

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Multi-Trip All-Inclusive Plan

Single-Trip Medical Plan

Multi-Trip Medical Plan

Trip Cancellation & Interruption Plan

Plan Type

Plan Type

Annual Plan

Single-Trip Plan

Annual Plan

Single-Trip Plan

Annual Plan Maximum Trip Duration

Annual Plan Maximum Trip Duration

22, 30 or 60 days4

4, 9, 16 or 30 days5

Emergency Travel
Medical

Emergency Travel
Medical

Trip Cancellation & Interruption

Trip Cancellation & Interruption

Baggage & Personal
Effects

Baggage & Personal
Effects

Baggage Delay

Baggage Delay

Accidental Death & Dismemberment Flight Accident

Accidental Death & Dismemberment Flight Accident

Accidental Death & Dismemberment Common Carrier Accident

Accidental Death & Dismemberment Common Carrier Accident

  • Multi-Trip All-Inclusive Plan

  • Single-Trip Medical Plan

  • Multi-Trip Medical Plan

  • Trip Cancellation & Interruption Plan

  • Multi-Trip All-Inclusive Plan

  • Single-Trip Medical Plan

  • Multi-Trip Medical Plan

  • Trip Cancellation & Interruption Plan

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Multi-Trip All-Inclusive Plan

Single-Trip Medical Plan

Multi-Trip Medical Plan

Trip Cancellation & Interruption Plan

Multi-Trip All-Inclusive Plan

Single-Trip Medical Plan

Multi-Trip Medical Plan

Trip Cancellation & Interruption Plan

Plan Type

Annual Plan

Single-Trip Plan

Annual Plan

Single-Trip Plan

Annual Plan

Single-Trip Plan

Annual Plan

Single-Trip Plan

Annual Plan Maximum Trip Duration

22, 30 or 60 days4

4, 9, 16 or 30 days5

22, 30 or 60 days4

4, 9, 16 or 30 days5

Emergency Travel
Medical

Trip Cancellation & Interruption

Baggage & Personal
Effects

Baggage Delay

Accidental Death & Dismemberment Flight Accident

Accidental Death & Dismemberment Common Carrier Accident

Please refer to the Sample Policy for defined terms and a full description of features, benefits, limitations and exclusions.

Choose the plan that’s right for you

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Example travel insurance quotes9

Scenario: Two healthy 51-year-old adults and their dependent children, ages 17 and 15, taking a 16-day, $4,000 vacation

Here are some factors that could impact your TD Insurance travel insurance premiums:

Travel insurance plans vary in price. This is because they offer different levels of coverage, benefits, and add-ons

Generally, the longer you're away, the more your travel insurance will cost. This is because extended trips increase the duration of your coverage needs and potentially your exposure to risks, leading to higher premium rates.

Younger individuals typically pay lower insurance premiums because they are generally in better health. As your age increases, so do premiums, reflecting the increased likelihood of health concerns or issues.

Travel insurance premiums tend to increase when more individuals are included under a plan. TD Insurance provides savings when applying under the family3 or couple2 coverage options.

Premiums for trip cancellation and interruption coverage typically vary according to the cost of the trip.

Your health history can impact your premiums. Typically, individuals with more health complications may face higher premiums due to increased risk. Depending on the applicant's age and the product they are applying for they may be asked to complete a health questionnaire.

Preferred rates are offered to TD Home and Auto clients, employees and retirees of TD, as well as members of groups with an affinity partnership with TD Insurance.

  • Plan type

    Travel insurance plans vary in price. This is because they offer different levels of coverage, benefits, and add-ons

  • Trip duration

    Generally, the longer you're away, the more your travel insurance will cost. This is because extended trips increase the duration of your coverage needs and potentially your exposure to risks, leading to higher premium rates.

  • Age of the oldest traveller

    Younger individuals typically pay lower insurance premiums because they are generally in better health. As your age increases, so do premiums, reflecting the increased likelihood of health concerns or issues.

  • Number of travellers

    Travel insurance premiums tend to increase when more individuals are included under a plan. TD Insurance provides savings when applying under the family3 or couple2 coverage options.

  • Cost of the trip

    Premiums for trip cancellation and interruption coverage typically vary according to the cost of the trip.

  • Health history

    Your health history can impact your premiums. Typically, individuals with more health complications may face higher premiums due to increased risk. Depending on the applicant's age and the product they are applying for they may be asked to complete a health questionnaire.

  • Preferred rates

    Preferred rates are offered to TD Home and Auto clients, employees and retirees of TD, as well as members of groups with an affinity partnership with TD Insurance.

Here to help with your travel insurance needs

With helpful articles, videos, quick tips and step-by-step tutorials, find information about travel insurance.

Here to help with your travel insurance needs

With helpful articles, videos, quick tips and step-by-step tutorials, find information about car, home, life, travel or other types of insurance.

Why it can be important to have travel insurance

Get answers to some of the common travel insurance questions.

Read video transcript

Below are the Travel Insurance Summaries and Credit Card Insurance Summaries for TD and MBNA credit cards. These summaries provide an overview of the features and benefits of the insurance coverages included with TD and MBNA credit cards.

TD Personal Credit Cards:

TD Business Credit Cards:

MBNA Credit Cards:

Other products and services to consider for your trip

TD offers banking, credit cards and competitive exchange rates for your travel needs. Explore our products to learn how TD can enhance your trip.

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 Coverage may be subject to conditions, exclusions and limitations. Refer to your Policy of Insurance for full details of coverage.

2 Couple Coverage is available on the TD Insurance Single-Trip Medical Plan and Multi-Trip Medical Plan for you and your Travelling Companion if you name them in your application. A maximum of 2 travellers including yourself can be under a policy with Couple Coverage.
Travelling Companion means any person who travels with you during the Covered Trip and who is sharing transportation and/or accommodation with you.
Couple 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.

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 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.

5 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.

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.

6 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.

7 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.

8 Top-up or extension coverage is provided by the TD Insurance Single-Trip Medical Plan and/or TD Insurance Trip Cancellation & Interruption Plan.  You must confirm with your original insurance carrier that your coverage is eligible to be topped up with a TD Insurance Travel Insurance plan. Top-up or extension coverage from TD Insurance may offer different benefits with different terms and conditions than your existing coverage. Coverages and benefits are subject to eligibility conditions, limitations, and exclusions, including pre-existing medical condition exclusions. Please refer to the applicable Sample Insurance Policy for full details.

9 The sample premiums are calculated as of September 2025 and are subject to change without notice. Your actual premium will depend on your application.