✅ Travel Insurance TD offers coverage of up to US$ 10 million in emergency medical expenses
✅ Emergency dental treatment included (up to US$ 2,000)
✅ Assistance of up to US$ 1,500 for meals and accommodation in case of interruption
✅ 24/7 emergency assistance worldwide
Why does the Utua Network recommend Travel Insurance TD?
Our recommendation for TD’s Single Trip Plan is based on its very significant coverage limit. Offering US$ 10 million per insured person places TD at the top of the options for those travelling to destinations where medical costs are extremely high, such as the United States. In addition, the ease of application for Canadian residents of almost all ages (from 15 days old and with no maximum age limit for adults) makes this plan extremely inclusive for families and seniors.
Another difference of Travel Insurance TD is logistical support. If you need an emergency return home, TD not only covers the costs (as long as they are pre-approved), but its administrator also handles the arrangements. In moments of medical crisis far from home, having a solid institution like TD managing the bureaucratic and financial aspects is what separates a scare from a personal disaster.
Coverage highlights: far beyond a medical consultation
The Travel Insurance TD plan is designed to cover needs that are not covered by the government. In addition to hospital emergencies, you have support for paramedical services (up to US$ 300 per listed profession) and an allowance of up to US$ 1,500 for out-of-pocket expenses such as meals and hotel stays if a medical emergency forces you to extend your stay.
For travellers over 60, TD maintains transparency: it is necessary to complete a medical questionnaire, but this ensures that the policy is tailored to your health condition. And for all insured individuals, access to the Online Claims Portal makes reimbursement requests easier, allowing you to upload documents and track the process fully online.
Author’s opinion
Travel Insurance TD is, in our analysis, a mandatory item on the checklist of any trip outside your province. The cost of a single policy is negligible compared to the risk of needing hospitalization in the U.S., where a single day can cost thousands of dollars.
Therefore, on every trip, it is important to purchase insurance, and our recommendation is that you always review the available options and compare them. The highlight is the 24/7 assistance: the collect-call number from anywhere in the world (+1-519-988-7629) is an essential service that shows TD’s commitment to the global traveller.
Learn more about rules and eligibility
Did you know that certain pre-existing medical conditions may affect your coverage or that travelling to destinations with government advisories may invalidate your insurance? On the next page, we will detail the main exclusions (such as substance abuse and self-inflicted injuries) of Travel Insurance TD and explain the importance of keeping your provincial health coverage active to remain eligible for this plan. Continue reading to travel with full protection!
