Some limitations and exclusions apply to these plans. Please note that a failure to notify our Emergency Assistance Centre within 48 hours of an incident or within a reasonable period of time may result in reduced Medical Emergency Benefits. If you need to Cancel or Interrupt your trip, contact our Emergency Assistance Centre within 24 hours following the covered cause for Cancellation or Interruption. Details of exclusions and limitations can be found in the Limitations and Exclusions sections of the applicableCertificate of Insurance for Single Trip PlantheCertificate of Insurance for Annual Plan, as well as theCertificate of Insurance for Trip Cancellation and Trip Interruption
Examples of exclusions that apply to Single Trip Plan, Annual and Trip Cancellation and Trip Interruption Insurance Plans include:
For a complete list of exclusions and limitations, please refer to the appropriate Certificate of Insurance.
Limitations Applicable to the Single Trip and Annual Plans
Medical Emergency Benefits are paid only for Eligible Medical Emergency Expenses. The maximum benefit is $5,000,000 per Insured Person. Some specific expenses have further limits.
Limitations Applicable only to the Trip Cancellation and Trip Interruption Plan
Trip Cancellation benefits are available up to the Amount of Coverage purchased to a maximum insurable amount of $20,000 per Insured Person, per Covered Trip.
Trip Interruption benefits are available for the unused portion of pre-paid travel arrangements, up to the Amount of Coverage purchased prior to departure, to a maximum insurable amount of $20,000 per Insured Person, per Covered Trip.
Please note that the Pre-Existing Condition exclusion period for Trip Cancellation and Trip Interruption benefits begins on the Effective Date of your insurance application and not from your Departure Date.
Our Administrator must be notified if there is any change to your medical status (changes in Treatment or medication, including dosage) before the Departure Date.
For all Plans, please refer to your Certificate of Insurance, or contact our Administrator for full details at1-800-293-4941or +1-519-988-7633from Mon–Fri: 8:00 am–9:00 pm ET and Sat: 9:00 am–5:00 pm ET.
Important information for those 60 years of age and older
If you are:
you will need to complete a medical questionnaire for your quote, either online, or by calling1-800-293-4941or +1-519-988-7633.
If you already have Annual Plan coverage and wish to buy extended coverage for a trip that will last more than the number of days you are covered, please call1-800-293-4941or +1-519-988-7633for your quote.
TD Travel Medical Insurance is underwritten by TD Life Insurance Company and/or TD Home and Auto Insurance Company. Medical and claim assistance, claim payment and administration services under the Policy are provided by our Administrator.
