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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
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Coverage Overview |
Maximum Benefit Payable |
|---|---|
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Emergency Travel Medical Covers eligible costs such as:
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Up to $5 million per insured person, per covered trip for each annual period of coverage |
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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 |
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Accidental Dental |
Up to $2,000 per insured person, per covered trip for each annual period of coverage |
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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 |
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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:
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You are a Canadian resident and in Canada when you buy this coverage.
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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.
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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
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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.
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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.
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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.
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Pre-existing medical conditions.2
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Travelling against medical advice.
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Expenses not pre-approved by our administrator may be limited or excluded.
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Abuse of alcohol, drugs, or other intoxicants.
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Intentional self-inflicted injuries.
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Travel to destinations under a travel advisory by the Canadian government.
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Noncompliance with any medically prescribed therapy or treatment.
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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
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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