First, it is very important to read the most recent version of the TD First Class Travel Visa Infinite Card Benefits Coverage Guide.

They can change at any time and it is your responsibility to be aware of these insurance benefits.

If you have any questions, please contact TD Customer Service at 1-866-374-1129. It is strongly recommended that you call them before booking travel with your card and before you leave on your trip.

Travel insurance coverage is only available to :

• Primary cardholder
• Spouse and dependent children of the primary cardholder
• Additional cardholder
• Spouse and dependent children of the additional holder

In addition, the card account must be in good standing. This means:

• The Primary Cardholder has not asked TD to close the Account
• TD has not suspended and revoked credit privileges or closed the account

To make it easier to understand the insurance coverage of its credit cards, TD has put together an interactive tool on travel insurance. In 6 questions, you can quickly find out if you qualify or not, when you pay in full for the trip in cash.

The maximum benefit for emergency medical care is $2,000,000. To be eligible, you only need to have the card, as per the Eligibility section above. This includes the following inclusions:

• Hospitalization
• Physician’s fees
• Private nursing
• Diagnostic services
• Ambulance and air ambulance services
• Prescription drugs
• Accidental dental and emergency relief of dental pain
• Medical Appliances
• Emergency return home
• Transportation to the bedside and compensation for the bedside companion
• Compensation for the travel companion
• Meals and accommodation
• Incidental hospital expenses
• Vehicle return
• Repatriation of deceased
• Baggage return

To receive the benefits of this insurance coverage, the full cost of your trip must be paid with your TD First Class Travel^® Visa Infinite* Card and/or TD Rewards points.

A trip cancellation occurs before departure.

A trip interruption occurs on or after the departure date when the trip has begun.

Eligible reasons may be:

• The death of an insured person or an immediate family member
• A sudden, unexpected illness or accidental injury to a person or a member of his or her immediate family
• A natural disaster at the insured person’s principal residence
• Weather conditions during the trip

To be eligible for this insurance, you must:

• Privileges under your account have not ceased or been suspended
• The account is not more than 90 days past due
• And the TD credit card must be in good standing

A common carrier is a land, air or water conveyance that is authorized to carry passengers for compensation. This can be a :

• Avion
• Ferry or Cruise ship
• Bus or Train
• Cab or Limousine

If there is an accidental death or dismemberment, the maximum benefit is $500,000.

In order to benefit from this insurance, the credit card must have been used to pay 100% of the airfare.

To benefit from this insurance, at least 75% of the cost of your trip must be charged to the TD First Class Travel^® Visa Infinite* Card.

The reason for the delay may be due to weather, an outage or a strike for example.

This flight or travel delay insurance can be up to $500, for a delay of 4 hours or more.

This is for hotel and motel reservations in Canada and the United States only. At least 75% of the total cost of the stay must be charged to the card. The use of TD Rewards points is also valid under certain conditions.

The maximum amount is $2,500.

To be eligible for this insurance, you must:

• Pay for the car rental at the rental agency with the TD First Class Travel^® Visa Infinite* Card^MD (payment with TD Rewards points is accepted, under certain conditions).
• Refuse to purchase the Collision Damage Waiver (CDW ) or an equivalent coverage from the rental agency and have it written into the contract

The car rental covers up to 48 consecutive days and the manufacturer’s suggested retail price (MSRP) of the car must be under $65,000. Some types of vehicles are not insured.

Purchase insurance covers items purchased with the TD First Class Travel^® Visa Infinite* Card for 90 days from the date of purchase. If the item is lost, stolen or damaged, it will be replaced or repaired with this insurance.

Extended warranty protection extends the manufacturer’s warranty up to one year. It begins after the manufacturer’s warranty expires and the item must be purchased with the Card.

Did your new smartphone or tablet have a major accident and stop working? Mobile device insurance can come to the rescue, up to a maximum of $1,000 in reimbursement!

To qualify, at least 75% of the total cost of the device must be charged to the TD First Class Travel Visa Infinite Card. Under certain conditions, insurance is also eligible if the total cost of the device is financed through a plan with monthly payments.

It is not really an insurance, but rather a help to solve a problem during a trip in unknown land. They do not offer payment or refunds. They are more of a medical second opinion or will tell you what to do if you don’t know what to do when you are in total panic.

The phone number is 1-800-871-8334 for Canada or the United States. Or if you are in another country: 1-416-977-8297 (collect).

This phone line can be useful for the following situations:

• Medical consultation and follow-up
• Medical emergency travel and medical referrals
• Payment to medical service providers
• Assistance in case of lost luggage
• Legal assistance
• Replacement of lost tickets and documents
• Translation Services
• Emergency transfer of funds

You must call 1-866-374-1129, within the time frame following the date the event occurred.

In summary, here are the various insurance coverages of the TD First Class Travel^® Visa Infinite* Card :

In addition to all this insurance to prevent inconvenience, the TD First Class Travel^® Visa Infinite* Card has a very profitable welcome offer from TD Bank.

With all these points, you can afford to get a stay that will not cost much. This is in addition to his annual TD Travel Credit of $100 for Expedia for TD bookings of $500 or more.

To save on travel and insurance, this is a secret card to have in your wallet!