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What is Top-up or Extension of coverage1?
Top-up or Extension coverage provides additional coverage days for a specific trip where travellers are away for a longer period of time than what they're covered for within their existing plan.
Or, in case of a trip cancellation or trip interruption insurance, travellers can add an additional coverage amount if the trip cost is higher than what the existing plan covers.
When can Top-up or Extension of coverage be useful?
How does Top-up or Extension of coverage work?
Here is an example of how Top-up or Extension of coverage works:
- Mark is going on a trip outside his province for 30 days and wants to make sure he has coverage for the entire duration of his trip. His credit card has emergency travel medical coverage of up to $2 million, for the first 21 days.
- Mark tops up his credit card coverage by purchasing Top-Up or Extension insurance from TD to provide coverage for the last 9 days.
- Mark now has coverage for his entire trip with up to $2 million of emergency travel medical coverage for the first 21 days of his trip, through his credit card and up to $5 million in coverage for the remaining 9 days through the TD Top-Up or Extension coverage.
Coverage Highlights
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Travel Medical Insurance 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 |
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Accidental Dental |
Up to $2,000 per insured person |
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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 home 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 |
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Professional Fees Covers eligible services such as those 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 |
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Trip Cancellation and Interruption Insurance Coverage Overview |
Maximum Benefit Payable |
|---|---|
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Trip Cancellation Covers eligible non-refundable expenses for covered events that cause cancellation of your travel plans prior to your departure date |
Up to the amount of coverage you select when purchasing the plan, with a maximum option of $20,000 per insured person, per covered trip |
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Trip Interruption Covers unused portion of pre-paid eligible travel arrangements for covered events that interrupt your travel plans on or after your departure date |
Up to the amount of coverage you select when purchasing the plan, with a maximum option of $20,000 per insured person, per covered trip |
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Meals and Accommodation Covers costs of meals and accomodation if a covered event interrupts or delays your scheduled return date |
Up to $350 per day, per insured person, up to a maximum of $700 per insured person, per covered trip |
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Transportation |
The extra cost of your one-way economy class transportation, subject to pre-approval, if a covered event causes your trip to be unexpectedly interrupted |
Eligibility
To be eligible for Top-up or Extension for Travel Medical Insurance or Trip Cancellation & Interruption Insurance you must meet the following requirements.
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You are at least 18 years old on the effective date of your insurance. For applicants under 18, their parent or guardian must complete the application.
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You are a Canadian resident.
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You are a TD Bank Group customer, or the spouse or dependent child of a TD Bank Group customer; and
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You cannot currently have an active claim or expecting to incur a claim for the existing trip.
Depending on the coverage you're applying for, you must also meet the following requirements.
Travel Medical Insurance
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If your existing plan is from TD, you can apply either before or after you depart on your trip.
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If your existing plan is from another insurer, you must apply for a Top-up or Extension with TD before your departure date.
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No insured person must have suffered a medical emergency before you apply for this Top-up or Extension of coverage.
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Applicants 60 years of age and older may be required to fill out a medical questionnaire2.
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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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You must apply before your existing plan expires3.
Trip Cancellation & Interruption Insurance
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You need to purchase the Top-up or Extension coverage before your departure date.
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You need to be in Canada when you apply.
Exclusions and Limitations
It’s important to know that benefits will only be paid for eligible expenses and only up to the maximum amount. A complete list of exclusions that apply to your Top-up or Extension of coverage will appear in your certificate, but here are some examples.
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Pre-existing medical conditions4.
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Travelling against the advice of a physician.
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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 intoxicants.
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Committing or attempting to commit an illegal or criminal act.
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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 medical therapy or treatment.
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The birth of a child born during a covered trip.
Top-up or Extension of coverage from TD may offer different benefits with different terms and conditions than your existing coverage.
Refer to the sample certificate of insurance for a full description of eligibility requirements, defined terms, benefits, limitations, and exclusions.
For Travel Medical Insurance Top-Up or Extension
For Trip Cancellation and Interruption Insurance Top-Up or Extension
Claims and Contact Information
FAQ’s
Yes. To be eligible, you will have to apply before you depart on your trip and you must meet the eligibility requirements associated with our Top-Up or Extension plan, including paying the required premium for the Top-up coverage.
Contact our administrator at 1-888-992-9163 to learn more.
If you already have TD Travel Medical Insurance coverage and your trip is longer than what you're covered for, you can apply to Top-up your plan before or after you depart for your trip.
Get a quote online or contact our administrator at 1-888-992-9163 to learn more.
Your Top-up or Extension coverage will start at midnight on the effective date indicated on your declaration of coverage letter, which you will receive after you purchase a Top-up.
Top-up or Extension insurance is a separate plan. Therefore, it has its own certificate/policy with its own terms and conditions.
Your Top-up coverage from TD may offer different benefits, with different terms and conditions than your existing plan.
Having a pre-existing condition doesn’t disqualify you from getting a Top-up or Extension, but your pre-existing condition will have to be considered "stable" for a specified period of time before your effective date, to be covered.
If you want to learn more about pre-existing medical conditions, speak with our administrator at 1-888-992-9163
If you have an annual travel insurance plan, you can top-up one particular trip at a time.
If you are planning multiple trips that are longer than the coverage period of your existing plan, consider an annual travel insurance plan that provides longer coverage periods.
TD Travel Insurance is administered by Global Excel Management Inc. and its subsidiary, CanAm Insurance Services (2018) Ltd.
Top-up or Extension coverage is provided by the TD Travel Medical Insurance Single Trip Plan (Single Trip Plan) and/or TD Trip Cancellation and Trip Interruption Insurance. The Single Trip Plan is underwritten by TD Life Insurance Company. TD Trip Cancellation and Trip Interruption Insurance is underwritten by TD Life Insurance Company (medical covered causes) and TD Home and Auto Insurance Company (non-medical covered causes).
TD Travel Insurance is designed exclusively for the clients of TD Bank Group and is distributed by The Toronto-Dominion Bank.
Coverages and benefits are subject to eligibility conditions, limitations, and exclusions, including pre-existing medical condition exclusions. Please refer to the Single Trip Plan and/or TD Trip Cancellation and Trip Interruption Insurance Sample Certificate of Insurance for full details.
1You must confirm with your original insurance carrier that your coverage is eligible to be topped up with a TD Travel Insurance plan. Top-up or Extension coverage from TD may offer different benefits with different terms and conditions than your existing coverage. Coverages and benefits are subject to eligibility conditions, limitations, and exclusions, including pre-existing medical condition exclusions. Please refer to the applicable Sample Certificate of Insurance for full details.
2Answering 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.
3You must purchase the Top-Up or Extension coverage before 11:59 p.m. ET on the date on which the original coverage terminates.
4This 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.