A major attraction of the TD First Class Travel Visa Infinite Card is its extensive benefits. Our guide to this card’s coverage explains each type of insurance you’ll get and the limits per person or per trip.
Since you’ll only use the benefits if you understand them and know how to make a claim, we’ve included that information too. Let’s walk through the insurance you may need over the course of an entire trip, from the planning stages to reaching your destination.
Key Takeaways
- To use the included insurance coverage, you must charge the travel to your TD First Class Travel Visa Infinite Card.
- Cardholders, their spouses, dependent children, and an additional cardholder are all eligible for the card’s travel insurance.
- Travel insurance includes medical emergency, trip interruption/cancellation, common carrier travel accident insurance, and more.
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Eligibility
It’s hard to overstate how important it is to book your travel with your best-insured credit card. You’ll usually only be able to access a card’s travel insurance when you pay for the full cost of the trip with the card.
Additionally, TD First Class Travel Visa Infinite Card travel insurance is only available to:
- The primary cardholder and their spouse
- Dependent children
- An additional cardholder, plus their spouse and dependent children
What’s included
Not only will you get travel insurance, but you’ll also get travel medical, mobile device, and purchase coverage up to specified limits.
Always read your policy carefully to understand exactly how each specific type of insurance relates to your situation.
| Type of coverage | Maximum amount of coverage |
|---|---|
| Travel medical insurance | Up to $2 million of coverage for the first 21 days |
| Travel medical over age 65 | Up to $2 million of coverage for the first four days |
| Trip cancellation insurance | $1,500 per person per covered trip $5,000 total per covered trip for all insured people on the same trip |
| Trip interruption insurance | $5,000 per person per covered trip $25,000 total per covered trip for all insured people on the same trip |
| Common carrier travel accident insurance | $500,000 of coverage for covered losses |
| Delayed or lost baggage insurance | $1,000 per covered person per trip |
| Flight or trip delay insurance | $500 |
| Auto rental collision/loss insurance | Coverage up to 48 consecutive days |
| Purchase insurance | 90 days with a lifetime limit of $60,000 for all TD cards |
| Extended warranty | One year |
| Mobile device insurance | $1,000 |
| Hotel/motel burglary insurance | $2,500 for the entire incident |
Comparing TD insurance coverage
Before we dive into the details of the TD First Class Travel Visa Infinite Card’s coverage, let’s compare it to other TD credit cards.
The TD First Class Travel Visa Infinite Card insurance coverage is on par with the TD Aeroplan Visa Infinite Card. But if you’re looking for even more coverage, check out the TD Aeroplan Visa Infinite Privilege Credit Card. Keep in mind that this card comes with a much higher annual fee of $599 instead of $139, so be sure you’ll take advantage of its other benefits. It also has higher income requirements.
The TD Aeroplan Visa Platinum Card doesn’t have any income requirements, but offers fewer types of insurance.
| Type of coverage | TD First Class Travel Visa Infinite Card | TD Aeroplan Visa Infinite Card | TD Aeroplan Visa Infinite Privilege Credit Card | TD Aeroplan Visa Platinum Card |
|---|---|---|---|---|
| Emergency medical coverage | 21 days | 21 days | 31 days | None |
| Trip cancellation | $1,500 | $1,500 | $2,500 | None |
| Trip interruption | $5,000 | $5,000 | $5,000 | None |
| Baggage loss | $1,000 | $2,000 | $1,000 | $1,000 |
| Baggage delay | $1,000 | $1,000 | $1,000 | $1,000 |
| Flight delay | $500 | $500 | $1,000 | $500 |
| Number of insurance types included | 12 | 12 | 12 | 7 |
Coverage details: Before the trip
It’s easy to get caught up in the excitement of planning a getaway, but take a moment to peruse what coverage you have before you depart.
Trip cancellation insurance
- Maximum coverage per person per trip: $1,500
If you book a trip using your TD First Class Travel Visa Infinite Card and you have to cancel the trip for an eligible reason, trip cancellation insurance will kick in. If your claim is approved, you’ll receive up to $1,500 per person (or up to $5,000 for the whole trip) to reimburse you for the cost of the trip.
For instance, maybe you and your partner booked a cruise with your TD card, but there was a death in the family and you have to cancel the trip. Or, maybe you had booked a getaway to an area that the Canadian government issued a travel notice to avoid.
Trip cancellation insurance can also provide coverage if a natural disaster strikes your own home and you can’t go on the trip you booked. (Just be aware that it won’t cover your home—that’s what your home or renters insurance is for.)
Coverage details: When you're en route
As frequent travellers know, surprises can always pop up. Here’s how travel insurance covers you while you’re heading to your destination.
Delayed and lost baggage insurance
- Maximum coverage per person per trip: $1,000
If your baggage is delayed by more than six hours after your arrival at your destination or the luggage is declared lost, you can file a claim to be reimbursed for up to $1,000.
Say you’re flying for work and when you land, you realize your luggage isn’t at the carousel for pick up. After waiting and notifying the airline, your luggage is considered lost. You can file a claim and TD will pay up to $1,000 for your lost bags.
Common carrier travel accident insurance
- Maximum coverage per person per trip: $500,000 of coverage for covered losses
Common carrier might sound unusual, but it just means a mode of transportation like a ferry, cruise ship, airplane, bus, train, taxi, limo, etc. If you purchase a ticket for a common carrier with your TD card and have an accident while travelling, this coverage pays up to $500,000.
For instance, if a cardholder was in a serious accident while riding the train and lost an appendage, they would be able to file a common carrier travel accident claim and could be reimbursed $333,350. If they lost the whole limb, they could receive $500,000.
Flight delay insurance
- Maximum coverage per person per trip: $500
Frequent fliers are familiar with flight delays. If you’re sitting in the airport terminal and your flight gets pushed back more than four hours, you’re eligible to file a claim with TD. If approved, TD will reimburse you $500, which can help pay for food and services you might have had to purchase while waiting for your flight.
Coverage details: When you're on site
Travel insurance doesn’t stop working once you’ve made it to your destination, although you’ll need different coverage types.
Travel medical insurance
- Maximum coverage per person per trip: Up to $2 million of coverage for the first 21 days
No one likes to think they’ll need medical attention while travelling, but it’s a definite possibility. Fortunately, your card comes with up to $2 million of medical coverage for the first 21 days of your trip when you’re travelling outside of your province or territory. If you’re over 65, note that you’ll only get coverage for the first four days of your trip.
Unlike other types of travel insurance, you don’t have to submit a claim after the fact. Instead, travel medical coverage can pay for ambulance fees, hospital bills, physician charges, and more.
For example, if you’re on vacation and you collapse in the hotel lobby, your insurance coverage would pay for an ambulance to transport you to a hospital to receive care. As long as the medical emergency happened within the first 21 days of your trip (if you’re under 65), you can get coverage up to $2 million.
Medical evacuation insurance
- Maximum coverage per person per trip: Part of the $2 million in coverage that comes with travel medical insurance
In extreme instances, you might need to be airlifted to medical care or be immediately transported home. Note that these situations typically require an administrator to approve the charges first.
For instance, let’s say you’re on a cruise of the Arctic when you catch pneumonia and require serious medical attention that’s not available on the cruise ship. If approved by an administrator, you could be airlifted to the nearest medical facility, where you’ll be treated.
Trip interruption insurance
- Maximum coverage per person per trip: $5,000 per person per covered trip
As you can see, trip interruption insurance can come in handy throughout several parts of your trip. If you’re in the midst of travelling and something comes up that makes you change travel plans you’ve already paid for, trip interruption insurance has you covered.
For instance, if you’re travelling abroad and you need to change your plans to return home immediately for a family health emergency, you could be reimbursed through trip interruption insurance.
Hotel burglary
- Maximum coverage per person per trip: $2,500
No one likes to imagine their belongings being stolen from a hotel or motel room, but if this happens, you can file a hotel burglary claim to recoup up to $2,500 in stolen personal belongings.
Auto rental collision/loss damage
- Maximum coverage per person per trip: Coverage up to 48 days
Don’t assume your personal auto insurance policy covers rental cars; many do not unless you add coverage. Fortunately, if you charge the rental car to your TD card and don’t purchase the rental car company’s Collision Damage Waiver, your TD card covers collision and damage for up to 48 days of renting the vehicle.
As long as the rental car’s manufacturer’s suggested retail price is under $65,000 you’re covered for collision and loss.
Miscellaneous
We’ve mainly focused on the great travel coverage that comes with this card, but you’ll also get other types of valuable insurance.
Purchase security and extended warranty protection
- Purchase protection maximum coverage: 90 days with a lifetime limit of $60,000 for all TD cards
- Extended warranty protection: one year
Enjoy peace of mind knowing that purchases you make with the TD card are covered against theft or accidental damage for 90 days from the date of purchase. Say you buy a new TV and someone steals it from your apartment a week after you buy it. You can submit a claim to replace the TV.
An extended warranty simply extends the manufacturer’s warranty on an eligible item by one year, which can be useful when buying high-end items like furniture or electronics.
Mobile device insurance
- Maximum coverage: $1,000
Mobile device insurance can come in handy when you least expect it. If you charged at least 75% of your phone’s purchase to the TD card, you get up to $1,000 in coverage if your phone is accidentally damaged, lost, or stolen.
For instance, if you accidentally spill your water bottle on your new phone and no amount of drying it out can save it, you can file a claim to repair or replace it.
How to make an insurance claim with the TD First Class Travel Visa Infinite Card
Now that you understand what your TD First Class Travel Visa Infinite Card covers, here’s how you could contact the insurance provider if you need to file a claim.
You can call 1-866-374-1129 toll-free from Canada or the U.S. 24/7 to file a claim or log into the Online TD Claims Portal to start the process. Just file your claim within the acceptable time frame or it may be denied.
| Type of insurance | Time to file a claim |
|---|---|
| Travel medical | Immediately |
| Trip interruption | Immediately |
| Trip cancellation | Immediately |
| Flight and travel delay | Within 45 days |
| Common Carrier Travel Accident Insurance | Within 30 days |
| Delayed and Lost Baggage Insurance | Within 45 days |
FAQ
What are the benefits of TD First Class Travel Visa Infinite Card?
In addition to the great earn rates, your TD card includes 12 types of insurance coverage, airport lounge access, an annual $100 travel credit, and an annual fee rebate for the first year you have the card.
What does Visa Infinite travel insurance cover?
The insurance you get with the TD First Class Travel Visa Infinite Card includes rental car coverage, lost or delayed baggage coverage, trip cancellation or interruption coverage, travel medical insurance, and more.
Does the TD First Class Travel Visa Infinite Card have travel insurance?
Yes, the card includes 12 types of insurance coverage, including travel insurance, like emergency medical and trip interruption coverage, mobile device coverage, and rental car insurance. This is in addition to the standard purchase protection and extended warranty coverage.
Do I get lounge access with TD First Class Travel Visa Infinite Card?
Yes, your TD First Class Travel Visa Infinite Card card includes membership in the Visa Airport Companion Program and comes with four free airport lounge visits per year. This adds a $285 value to this TD credit card.
Does TD cover trip cancellations?
Yes, the TD First Class Travel Visa Infinite Card, TD Aeroplan Visa Infinite Privilege Credit Card, and TD Aeroplan Visa Platinum Card cover trip cancellation. You can file a trip cancellation claim to be reimbursed by TD.
Does travel insurance cover me cancelling my flight?
If you have to cancel your flight for a covered reason, like sudden illness, natural disaster, or death in the family, you can file a trip cancellation claim to receive up to $1,500 per person for the cancelled flight.
Does TD travel insurance cover pre-existing conditions?
If you have a pre-existing condition, you’re not disqualified from getting travel insurance through TD, but your condition must be considered stable for a set period of time before coverage can begin.
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