TD Annual Plan

If you’re a frequent traveler who is looking to apply for emergency travel medical coverage, then this annual plan could be more cost-effective than buying a single trip plan each time you travel. You’ll get medical coverage for an unlimited number of covered trips taken outside of your province or territory of residence, up to your chosen maximum trip duration, for one year.


Coverage Highlights

Coverage Overview

Maximum Benefit Payable

Emergency Travel Medical

Covers eligible costs such as:

  • Hospital fees
  • Physician bills
  • Ambulance fees
  • Diagnostic services
  • Prescription drugs
  • Medical appliances

Up to $5 million per insured person, per covered trip for each annual period of coverage

Professional Fees

Covers eligible services of a licensed chiropractor, chiropodist, osteopath, podiatrist, or physiotherapist

Up to $300 per listed profession for expenses incurred as a result of a covered medical emergency, per insured person, per covered trip for each annual period of coverage

Accidental Dental

Up to $2,000 per insured person, per covered trip for each annual period of coverage

Emergency Return Home

The cost of a one-way economy fare to your province or territory of residence, including, the expense of a qualified medical attendant to accompany you when needed

Meals and Accommodation

Covers costs of meals and accommodation if a covered medical emergency causes you or your travelling companion to miss a scheduled return to your province or territory of residence or requires you or your travelling companion to be relocated for treatment

Up to $350 per day up to the maximum of $3,500 per insured person, per covered trip for each annual period of coverage

Eligibility

You are eligible to apply if you meet the following conditions:

  1. You are a Canadian resident and in Canada when you buy this coverage.

  2. You are covered by the government health insurance plan of your province or territory of residence for the entire duration of your trip and at the time a claim is incurred.

  3. Applicants 60 to 64 years of age will need to complete a medical questionnaire for a trip of 30 days or longer; and applicants 65 years and older will need to complete a medical questionnaire for all trips.1

  1. If you are between 18 to 84 years old, you have a choice of selecting the maximum trip length of 9, 17, 30 or 60 consecutive days. For applicants under 18, their parent or guardian must complete the application.

  2. If you are 85 years old or older, you have a choice of selecting the maximum trip length of 9, 17 or 30 consecutive days.

  3. You are a TD Bank Group customer, or the spouse or dependent child of a TD Bank Group customer.


Exclusions and Limitations

It’s important to know that benefits will only be paid for eligible expenses and only up to the maximum coverage amount. A complete list of exclusions that apply to your plan will appear in your certificate, but here are some examples.

  1. Pre-existing medical conditions.2

  2. Travelling against medical advice.

  3. Expenses not pre-approved by our administrator may be limited or excluded.

  4. Abuse of alcohol, drugs, or other intoxicants.

  1. Intentional self-inflicted injuries.

  2. Travel to destinations under a travel advisory by the Canadian government.

  3. Noncompliance with any medically prescribed therapy or treatment.

  4. The birth of a child during a covered trip.

Refer to the Sample Certificate of Insurance for a full description of eligibility requirements, defined terms, benefits, limitations and exclusions.

View Product Summary and Fact Sheet (for residents of Quebec only)

This plan could give you more value

If you’re planning more than one trip in a year, then this plan could be a better value when you consider the following:

  • This plan provides coverage for an unlimited number of trips up to your chosen maximum trip duration that you take in a year. 1
  • This plan could cost less than purchasing a separate single trip plan for each trip within a year.

 

Claims and Contact Info

  • Let's connect

    Our administrator is ready to answer your questions and help you on your way.

    For quotes, to purchase a plan or any general inquiries:
    1-888-992-9163
    Mon-Fri 8am to 8pm ET
    Saturday 9am to 5pm ET

    For 24/7 emergency assistance:
    1-800-359-6704 (Canada and the U.S., toll free) or
    + 1-416-977-5040 (worldwide, collect).

    For claims:
    1-800-359-6704

  • Start a travel insurance claim

    Start the claims process by visiting the Online Claims Portal.

  • Explore more TD Travel Insurance plans


    Looking for more options? We offer a range of travel insurance plans.


TD Travel Medical Insurance Annual Plan (Annual Plan) is administered by Global Excel Management Inc. and its subsidiary, CanAm Insurance Services (2018) Ltd.

The Annual Plan is a group plan underwritten by TD Life Insurance Company, designed exclusively for the clients of TD Bank Group, and is distributed by the Toronto Dominion Bank. Medical and claim assistance, claim payment and administration services are provided by the Administrator described in the Certificate of Insurance.

Coverages and benefits are subject to eligibility conditions, limitations, and exclusions, including pre-existing medical condition exclusion. Please refer to the Sample Certificate of Insurance for full details.

1Answering a Medical Questionnaire will be required for those 60 to 64 years of age who are travelling for 30 days or more and for those 65 years of age or older to determine eligibility for this product. If you are between 65 to 74 and are travelling for 17 days or less, you will have an option to bypass the Medical Questionnaire (this may impact your premium and pre-existing stability period).

2This 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 certificate. Refer to the Sample Certificate of Insurance to determine how this exclusion may affect your coverage.

Mailing Address:
TD Life Insurance Company
P.O. Box 1 TD Centre
Toronto, Ontario M5K 1A2

TD Home and Auto Insurance Company
P.O. Box 1 TD Centre
Toronto, Ontario M5K 1A2

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