Eligibility requirements and validity
To purchase TD Insurance Travel, you must be a resident of Canada and be covered by your province’s government health plan (such as OHIP or RAMQ) throughout your trip. If your provincial plan expires while you are away, TD coverage may also be affected.
Another crucial point: the protection must be purchased before you leave home. If you are already at your destination and realize you forgot insurance, the application rules change drastically. Therefore, we suggest that you always include this important step in your travel checklist.
What does the insurance not cover?
Transparency is the foundation of a good insurance plan, which is why you should also understand what is not included in TD Insurance Travel. The TD plan will not cover expenses in cases of pre-existing conditions; when there is a medical contraindication for travel; and if there are travel advisories related to your destination and you choose to go anyway.
Another important point is that accidents resulting from alcohol or drug abuse are not covered. That is why we recommend that you always travel with respect for your own health.
Author’s advice
To ensure your experience with TD Insurance Travel is smooth, follow simple recommendations, such as calling the insurance administrator before accepting expensive treatments or arranging your own return home. Expenses not pre-approved may have limited or denied reimbursement.
In addition, when purchasing TD Insurance Travel or any other, always keep the insurer’s contact information handy. Finally, remember that dental coverage is only for immediate pain relief or accidents. Do not use it for routine procedures during your trip.
How to purchase TD Insurance Travel?
The quote process for the Single Trip Plan is quick and can be done online. You provide the destination, travel duration, and travellers’ ages, and receive a quote instantly. If you travel more than twice a year, ask TD advisors about Multi-Trip Plans, which may offer even greater savings.
Ready to stamp your passport with full security? Click the button below to access the TD Insurance portal and request your travel insurance quote in seconds!
