td first class travel insurance coverage

Personal Finance

The TD First Class Travel Visa Infinite Card and its travel insurance benefits

Insurance Coverage

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.

Eligibility

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

Eligibility Tool

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.

TD First Class Travel Visa Infinite Card Description

Travel medical insurance.

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

Trip cancellation and trip interruption insurance

To receive the benefits of this insurance coverage, the full cost of your trip must be paid with your ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">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

Common Carrier Travel Accident Insurance

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 :

Ferry or Cruise ship
Bus or Train
Cab or Limousine

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

Delayed and Lost Baggage Insurance

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

Flight and travel delay insurance

To benefit from this insurance, at least 75% of the cost of your trip must be charged to the ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">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 .

Hotel/Motel Burglary Insurance

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 .

Collision and damage insurance for rental vehicles

Pay for the car rental at the rental agency with the ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">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 Assurance and Extended Warranty Protection

Purchase insurance covers items purchased with the ® Visa Infinite* Card" href="https://milesopedia.com/en/credit-cards/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">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.

Mobile Device Insurance

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 .

Emergency travel assistance services

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

What to do if you have an insurance claim with the TD First Class Travel Visa Infinite Card

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 ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">TD First Class Travel ® Visa Infinite* Card :

Bottom Line

In addition to all this insurance to prevent inconvenience, the ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">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!

All posts by Caroline Tremblay

TD First Class Travel vs TD Aeroplan: How to Choose

The main difference between TD First Class Travel and TD Aeroplan is the rewards system. Aeroplan is Air Canada’s reward program, while the TD First Class Travel card is tied to TD Rewards Points. Thinking about where you shop and how you like to redeem your points can help you decide which of these cards is the better fit.

What is TD Aeroplan?

What is td first class travel.

TD First Class Travel vs. TD Aeroplan: Which is better?
TD First Class Travel cards
TD Aeroplan cards

TD Aeroplan is the name given to a group of TD credit cards that earn Aeroplan points . You can use the points to buy things like flights, hotel rooms, car rentals, merchandise and more via Air Canada’s Aeroplan redemption platform.

TD offers four Aeroplan credit cards:

TD Aeroplan Visa Infinite .
TD Aeroplan Visa Platinum.
TD Aeroplan Visa Infinite Privilege.
TD Aeroplan Visa Business.

Did you know? TD isn’t the only issuer that works with Aeroplan. American Express and CIBC also offer Aeroplan credit cards with their own earn rates and perks.

Aeroplan rewards

Each of the four Aeroplan credit cards offered by TD have slightly different earn rates and reward categories. Learn more about each card’s earn rates and spending categories below:

TD Aeroplan Visa Infinite Card

1.5x Aeroplan points on eligible gas, groceries and Air Canada purchases.
1x Aeroplan points on everything else.
Double the points earned when you shop with partner brands and through the Aeroplan eStore.
50% more Aeroplan points when you shop at Starbucks (card must be linked to your Starbucks Rewards account).

TD Aeroplan Visa Platinum Card

1 Aeroplan point per $1.00 spent on eligible gas, groceries and Air Canada purchases.
1 Aeroplan point per $1.50 spent on everything else.

TD Aeroplan Visa Infinite Privilege Card

2x Aeroplan points on Air Canada purchases.
1.5x Aeroplan points on eligible gas, groceries, travel and dining purchases.
1.25x Aeroplan points on everything else.

TD Aeroplan Visa Business Card

1.5x Aeroplan points on eligible travel, dining and business purchases.
1x Aeroplan points on everything else.

TD Aeroplan card earn rates and categories accurate as of June 22, 2023.

Pros of TD Aeroplan

Range of cards to choose from.
Business card available.
Most cards include travel insurance, such as medical, baggage delay and flight cancellation.

Cons of TD Aeroplan

The redemption program focuses mainly on Air Canada.
Lower earn rates than similar cards, including the TD First Class Travel card.

TD First Class Travel is another name for one of TD’s rewards cards: the TD First Class Travel Visa Infinite card. It’s the only card from TD with the name First Class Travel, but not the only card that earns TD Rewards Points. The TD Platinum Travel Visa, TD Travel Rewards Visa and TD Business Travel Visa also earn TD Rewards Points.

TD First Class Travel rewards

The TD First Class Travel Visa Infinite card earns between two and eight TD Rewards Points per CAD spent, depending on the purchase category.

8x TD Rewards Points on travel bookings made via the Expedia for TD platform.
6x TD Rewards Points on groceries and restaurants.
4x TD Rewards Points on recurring bill payments.
2x TD Rewards Points on everything else.

Pros of TD First Class Travel

High reward earn rates compared to TD Aeroplan cards.
Travel TD Rewards Points can be redeemed with multiple booking platforms.
Includes travel insurance, such as medical, baggage delay and flight cancellation.

Cons of TD First Class Travel

Only one First Class Travel card to choose from.
Highest earn rate is only for Expedia purchases.

TD First Class Travel vs TD Aeroplan: Which is better?

TD Aeroplan beats out First Class Travel when it comes to points value. Based on NerdWallet analysis, the average value of 1 Aeroplan point is worth 2.23 cents. To compare, you can expect to get around 0.25-0.5 cents per TD Rewards Point, according to NerdWallet analysis. These values depend on the redemption method you choose.

That’s not to say TD Aeroplan cards are better than the TD First Class Travel Visa Infinite card. If you don’t fly with Air Canada, for example, Aeroplan points may not be as practical. Look at features like annual fees , reward categories, redemption options, interest rates and insurance perks when making your decision.

TD First Class Travel and TD Aeroplan cards

Td first class travel® visa infinite* card.

Annual Fee $139 To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by September 4, 2024. Waived first year
Interest Rates 20.99% / 22.99% 20.99% on purchases, 22.99% on cash advances.
Rewards Rate 2x-8x Points Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†. Earn 6 TD Rewards Points† for every $1 you spend on Groceries and Restaurants†. Earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account†. Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card†.
Intro Offer Up to 75,000 Points Earn up to 75,000 TD Rewards Points†: Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†. Earn 55,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†. Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points†. Account must be approved by September 3, 2024.
Earn up to $700 in value†, including up to 75,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Account must be approved by September 3, 2024.
Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
Earn 55,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points†.
To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.
To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by September 4, 2024.
Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†.
Earn 6 TD Rewards Points† for every $1 you spend on Groceries and Restaurants†.
Earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account†.
Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card† plus earn an annual Birthday Bonus† of up to 10,000 TD Rewards Points.
No travel blackouts†, no seat restrictions† and no expiry† for your TD Rewards Points as long as your account is open and in good standing.
Each year, you will receive one $100.00 TD Travel Credit on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD and posted to the Account in a calendar year.
Interest Rates: 20.99% on purchases and 22.99% on cash advances.
Go Places on Points: Your Points are worth more when you redeem through Expedia® For TD: Search over a million flights, hotels, packages and more! When you’re ready to book, you can redeem† your TD Rewards Points towards your travel purchase right away.
Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply.
Travel Medical Insurance†: Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
To be eligible, $60,000 (individual) or $100,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
†Terms and conditions apply.
This offer is not available for residents of Quebec.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

TD® Aeroplan® Visa Infinite* Card

Annual Fee $139
Rewards Rate 1x-1.5x Points Earn 1.5 points† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card. Earn 1 point† for every $1 spent on all other Purchases made with your Card.
Intro Offer Up to 40,000 Points Earn up to 40,000 Aeroplan points†: Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†. Earn 15,000 Aeroplan points when you spend $7,500 within 180 days of Account opening†. Plus, earn a one-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†. Account must be approved by September 3, 2024.
Earn up to $1,000 in value†, including up to 40,000 Aeroplan points† and additional travel benefits. Account must be approved by September 3, 2024.
Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†.
Earn 15,000 Aeroplan points when you spend $7,500 within 180 days of Account opening†.
Plus, earn a one-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†.
Earn 1.5 points† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card.
Earn 1 point† for every $1 spent on all other Purchases made with your Card.
Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
Earn big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks® Rewards account. Conditions apply.
Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing.
Travel lightly through the airport and save on baggage fees†: Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lbs) when your travel originates on an Air Canada flight.
To be eligible, a $60,000 annual personal income or $100,000 household annual income is required. You must also be a Canadian resident and be the age of majority in the province or territory where you live.

TD® Aeroplan® Visa Platinum* Card

Annual Fee $89 To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by September 4, 2024. Waived first year
Rewards Rate 0.67x-1x Points Earn 1 point† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card. Earn 1 point† for every $1.50 spent on all other eligible purchases† made with your Card.
Intro Offer Up to 20,000 Points Earn up to 20,000 Aeroplan points: Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†. Earn an additional 10,000 Aeroplan points when you spend $1,000 within 90 days of Account opening†. Conditions Apply. Account must be approved by September 3, 2024.
Earn up to $500 in value† including up to 20,000 Aeroplan points† and no annual fee for the first year. Conditions Apply. Account must be approved by September 3, 2024.
To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by September 4, 2024.
Earn 1 point† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card.
Earn 1 point† for every $1.50 spent on all other eligible purchases† made with your Card.
Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Platinum* Cardholder.
Flight/Trip Delay Insurance†: Up to $500 in coverage per insured person if your flight/trip is delayed for over 4 hours.
Delayed and Lost Baggage Insurance†: Up to $1,000 overall coverage per insured person toward the purchase of essentials such as clothes and toiletries if your baggage is delayed more than 6 hours or lost.
Common Carrier Travel Accident Insurance†: Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train or auto rental).
Emergency Travel Assistance Services†: Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling.
To be eligible, you must be a Canadian resident and be of the age of majority in your province/territory of residence.

TD® Aeroplan® Visa Infinite Privilege* Credit Card

Annual Fee $599
Rewards Rate 1.25x-2x Points Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®). Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel and dining purchases. Earn 1.25 points† for every $1 spent on all other purchases made with your Card.
Intro Offer Up to 75,000 Points Earn up to 75,000 Aeroplan points: Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†. Earn an additional 25,000 Aeroplan points when you spend $12,000 within 180 days of Account opening†. Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†. Account must be approved by September 3, 2024.
Earn up to $2,700 in value† including up to 75,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions Apply. Account must be approved by September 3, 2024.
Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†.
Earn an additional 25,000 Aeroplan points when you spend $12,000 within 180 days of Account opening†.
Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†.
Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®).
Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel and dining purchases.
Earn 1.25 points† for every $1 spent on all other purchases made with your Card.
Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore.
Enroll for NEXUS and once every 48 months get an application fee rebate†.
Share first free checked bags with up to 8 travel companions†, and get unlimited access to Maple Leaf Lounges† including complementary access for one guest.
Plus, primary cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†.
Get an annual round-trip companion pass from $99 (plus taxes, fees, charges and surcharges)†.
Get access to Priority Airport Services† like Priority Boarding, Priority Baggage Handling, and Priority Airport Standby & Priority Airport Upgrades†.
Travel Medical Insurance†: Up to $5 million of coverage for the first 31 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
To be eligible, $150,000 annual personal income or $200,000 household annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

TD® Aeroplan® Visa* Business Card

Annual Fee $149 Waived first year
Interest Rates 14.99% / 22.99% 14.99% on purchases, 22.99% on cash advances.
Rewards Rate 1x-2x Points 2x on Air Canada purchases, including Air Canada Vacations. 1.5x on travel, dining and select business categories, such as shipping, internet, cable and phone services. 1x on everything else.
Intro Offer Up to 60,000 Points Earn up to 60,000 Points: Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card. Plus, earn up to 45,000 Aeroplan points when you spend $2,500 in purchases each month for the first 12 months of Account opening. Plus, earn up to 5,000 Aeroplan points when you spend $250 on eligible mobile wallet Purchases within 90 days of Account opening. Account must be opened by September 3, 2024.
Earn up to 60,000 Aeroplan pointsΓ. Conditions Apply. Account must be opened and approved by September 3, 2024.
Earn 2 Aeroplan points for every dollar spent on eligible purchases made directly with Air Canada, including Air Canada Vacations.
Earn 1.5 Aeroplan points for every dollar spent on eligible travel, dining and select business categories, such as shipping, internet, cable and phone services.
Earn 1 Aeroplan point for every dollar spent on all other eligible purchases.
Earn points twice when paying with a TD Aeroplan Visa Business Card and providing an Aeroplan number at over 150 Aeroplan partner brands and more than 170 online retailers via the Aeroplan eStore.
Points can be redeemed for flights, hotels, merchandise, gift cards and more. They can also be used to pay down the card’s balance.
Linked cards earn 50% more Aeroplan points and Stars at participating Starbucks stores.
$149 annual fee — rebated in the first year.
Free first checked bag for up to 9 people travelling on the same reservation on Air Canada flights.
One free one-time guest pass to Maple Leaf Lounges for every $10,000 in net purchases. Maximum of 4 passes a year.
Reach Aeroplan Elite Status more quickly by earning 1,000 Status Qualifying Miles and one Status Qualifying Segment for every $5,000 in net purchases.
Access online reporting, review business expenses, managing existing credit limits and apply spend controls through the TD Card Management Tool.
Visa SavingsEdge program: save up to 25% on eligible business purchases.
Travel benefits: travel medical insurance (up to $2 million in coverage for the first 15 days for those under 65; coverage lasts for 4 days for those 65 and older); common carrier travel accident insurance (up to $500,000 for covered losses), trip cancellation insurance (up to $1,500 per insured person; maximum of $5,000), trip interruption insurance (up to $5,000 per insured person; maximum of $25,000), flight/trip delay insurance (up to $500 if a flight or trip is delayed for longer than 4 hours), delayed and lost baggage insurance (up to $1,000 of overall coverage per insured person), auto rental collision/loss damage insurance (covers the full cost of a car rental for up to 48 days), hotel/motel burglary insurance (up to $2,500), mobile device insurance (up to $1,000 in coverage).
Toll-free emergency travel assistance services.
Receive a rebate of up to $100 on NEXUS enrolment application/renewal fee costs once every 48 months.
Save a minimum of 10% on the lowest available base rates in Canada and the U.S., and a minimum of 5% on the lowest base rates internationally on qualifying car rentals at participating Avis and Budget locations.
Visa Zero Liability protection, Verified by Visa and instant alerts to prevent fraudulent card use.
Purchase security and extended warranty protection.
Minimum credit limit of $1,000.
Interest rates: 14.99% on purchases, 22.99% on cash advances.

About the Author

Georgia Rose is a lead writer on the international team at NerdWallet. Her work has been featured in The Washington Post, The New York Times, The Independent and The Associated…

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TD First Class Travel Visa Infinite Card review

This premium TD card lets travellers redeem flexible rewards through a partnership with Expedia.

A woman who used the TD First Class Visa Infinite to book travel walks on a busy city street.

With a plethora of travel-focused credit cards on the market, the TD First Class Travel Visa Infinite Card may not be the obvious choice—especially considering how many Aeroplan cards TD currently has on its roster. That said, the TD First Class Travel Visa Infinite Card is worth considering. Why? It boasts a flexible redemption program and a partnership with Expedia. Cardholders get access to Expedia For TD online portal to redeem rewards for flights, hotels and car rentals on expediafortd.com.

Add to that comprehensive insurance coverage and generous earn rates and the TD First Class Travel Visa Infinite Card becomes a solid choice for avid travellers.

TD First Class Visa Infinite Card

Annual fee: $139

Up to 8 TD Rewards points per $1 on travel
6 points per $1 on groceries and restaurants
4 points per $1 on recurring bills
2 points per $1 on all other purchases

Welcome offer: earn up to $700 in value, including up to 75,000 TD Rewards Points and no Annual Fee for the first year. Conditions Apply. Account must be approved by September 3, 2024.

Card details

The TD First Class Travel Visa Infinite Card

Three things you need to know about the TD First Class Travel Visa Infinite Card
How to redeem your TD Rewards
What are the best ways to benefit from this card?

Are there any drawbacks to the TD First Class Travel Visa Infinite Card?

4 things to know about the td first class travel visa infinite card, 1. the you earn points under the td rewards program.

T he TD points system is easier to understand than the point system for the bank ’ s Aeroplan credit cards. Your Point values stay the same no matter where you ’ re flying, so it ’ s easy to work out how much they ’ re worth. Plus, TD Points can be redeemed on any airline, not just Air Canada or Star Alliance Partners. While Aeroplan Miles are valuable, if you prefer simplicity the TD First Class Travel Visa Infinite Card might be more up your alley.

2. Your points go farther when you book with ExpediaForTD.com

If you already use Expedia to book your travel, this card is a savvy choice. When you book travel online through Expedia For TD, you earn 8 TD points per $1.

3. The card comes with a generous welcome bonus

You can earn up to $700 in value, including up to 75,000 TD Rewards Points and no Annual Fee for the first year. Conditions Apply. Account must be approved by September 3, 2024.. Plus, earn a birthday bonus of up to 10,000 rewards points (conditions apply). You can also receive a $100 TD travel credit when you spend at least $500 at Expedia for TD.

4. You’ll get great travel insurance

The TD First Class Travel Visa Infinite Card comes with up to $2 million of travel medical insurance coverage for the first 21 days of a trip. Trip cancellation, trip interruption, common carrier travel accident insurance, travel assistance services, flight delay insurance, auto rental collision insurance, and delayed and lost baggage insurance round out the card’s benefits. For a premium rewards card, The TD First Class ’ s insurance is fairly standard, however; so, if you ’ re looking for more comprehensive credit card insurance , you could consider a card like the National Bank World Elite Mastercard, * which comes with up to $5 million in out-of-province-of-residence medical/hospital insurance for trips up to 60 days (if you ’ re under 54).

How to redeem your TD Points:

You can redeem your TD Points for travel in two ways. The best—and most valuable—way is through the Expedia For TD online portal, where you can redeem 200 TD points per $1 in travel credit (0.5%) and pay the balance of the cost (if any) using your credit card (you’ll also earn Points on this spend).

Your other redemption choice is the “Book Any Way” option, which lets you book via other travel websites; however, your bookings can cost up to 25% more if you go this route. When using “Book Any Way” you’ll redeem at 250 TD points per $1 (0.4%) applied as a statement credit on your first $1,200 in travel purchases and 200 TD points per $1 (0.5%) for your travel purchases over $1,200. In comparison, with Expedia For TD, you’ll get a better and more consistent return of 0.5% on all your travel spending.

In both cases, the TD First Class Travel Visa Infinite Card allows you to redeem for any seat on any airline. Additionally, you can redeem points for rewards in small increments (minimum 200), so this means you don’t need to build up a large pool of points before you’re able to apply them towards travel.

Finally, through the TD Rewards site, you can shop for items such as a Vitamix blender, a Dyson vacuum or gift cards. However, you won’t get the same value as you would booking travel. For example, a $50 gift card at Best Buy will cost you 20,000 TD points, whereas you can use the same amount of points for $100 in travel on the Expedia For TD portal.

How to optimize the TD First Class Travel Visa Infinite Card

Ultimately, your best bet is to redeem points for travel from ExpediaForTD.com . Generally, prices on the website are similar to those on the main Expedia website, and you’ll be able to redeem at the rate of 200 points per $1. If you redeem points for travel outside of the TD portal, your points can lose up to 25% in value; however this could be a smarter route if you find a really good deal on another travel portal.

If you do find a better hotel or flight deal elsewhere, you have the option to price match, but there are some restrictions: you must have booked within the last 24 hours; your travel plans must be at least 48 hours away; and travel dates, and flight and hotel classes must all be the same to submit a claim.

Does the TD First Class Travel Visa Infinite Card have travel insurance?

With this card you’ll get an extensive suite of travel insurance coverage, for big and small emergencies. For frequent travellers and those who cross the border often, this is a must. The card includes travel medical insurance of up to $2 million of coverage for the first 21 days. (If you or your spouse are over 65 or older, you’re only covered for the first four days of your trip.) You’ll also get up to $1,500 of trip cancellation insurance with this card up to a maximum of $5,000 for all insured persons. For trip interruption insurance, you get $5,000 per insured person, up to $25,000 for all the insured people on the same trip.

You’ll also get common carrier travel accident insurance, emergency travel assistant services and delayed/lost baggage insurance (up to $1,000 per insured person if your baggage is delayed for more than six hours or gets lost ultimately).

There is a minimum personal income requirement of $60,000 or a household income of $100,000. However, this is a common requirement for many cards in the same category.

Other cards offer more incentive to spend in categories like groceries, dining and entertainment. The TD First Class Travel Visa Infinite Card only offers three times the Points earn on travel booked through the Expedia For TD portal (4.5%)—everything else is at the base three TD points per $1 (1.5%) rate. To compare, the Scotiabank Gold American Express has a five-times Points accelerator on restaurants and groceries (5% per dollar).

Finally, the TD First Class Travel Visa Infinite Card doesn’t offer airport lounge access , and you’ll be charged foreign transaction fees . So, if you like to use airport lounges, or you often find yourself shopping in a foreign currency, you may want to consider a card that offers those perks.

Bottom line

TD’s unique partnership with Expedia, accelerated earn rates and incremental points redemption structure make the TD First Class Travel Visa Infinite Card a worthwhile consideration as a travel credit card . However, the biggest boost in earning points you’ll get with this card is by booking with ExpediaForTD.com. If you don’t want to be locked into booking that way, you may want to explore other travel card options.

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One of the TD First Class Infinite VISA Benefits List include : “ Earn 3 points per $1 on everything spent “ Could you clarify why on my recent Bill Statement, showed $5 earned for 1,178 points Wouldn’t 1,178 points translate into 1178 divided by 3 ?

I have this card, but rarely use except for buying something on a trip to get the insurance coverage. The issue I have is I like to book my travel through web sites like tripcentral.ca (better for packages), VRBO (for condo rentals) and booking.com (much better selection), so only end up rarely using Expedia for TD and end up getting 1.2% back on my purchases, unless I want to wait until I have over $1,200 of points and then buy a major trip, getting 1.5% on the part over $1,200.

So, its pretty good and the insurance is good, but its not as great for travel as they like to claim.

I have had this card for about 2 years now and I am so dessapointed with it. I will stop using it from now on and I will tell everybody I know NOT to get this card or anything related to TD Bank. I changed to this card because they assured me I have full trip coverage with it so I booked my last vacation with it and considering that I did not get what I wanted on my trip they will take some responsibilities and give me some refund after my claim was with them for 8 months. They kept asking me for documents that I provided every time they asked and at the end they kept asking for documents I already submitted three times before. TD is a disgrace for Canadians. I wish the government take actions and do a deep audit on these guys. I will slowly withdraw everything I have with TD to go to another bank. Anything is better than this. Please people, do not do anything with this bank and definitely nothing with this credit card. I am been having issues with this bank since 2008 and it’s time to move on to a better service.

This is the all lying I have issues with that I lost my luggage on my way back home and my flight cut and delayed for 5 months they don’t cover anything’s this massage is for the Visa highly in-charge manager if you guys don’t find me solution I have to take legal step and say bye to TD my whole family since they denied my claim it’s really really broke my heart. I was really trust them never ever again.

I want to redeem my points from my business travel which I have accumulated as I switched to the rewards cash card now .How do I do this June 15,2022

This card is excellent and works well if you are looking to use it for travel specifically. I find it comes in handy when even needing a car rental or a hotel stay on the fly.

We have this card and use it often, we had enough points to use it for 5 hotels on our roadtrip last spring (booked them through expedia). I guess it all depends on what you plan to do. We often go on little roadtrips to Canmore, Banff or Jasper and use it to stay there as well so it really saves us for accommodations. Also not having to get separate car insurance for rental cars is a big plus.

I just got back from Cuba. Unfortunately my flight from Ottawa to Cuba was delayed by 4 hours. And from Cuba to Ottawa for 14 hours. I want to be reimbursed because I bought a ride on my The TD First Class Travel Visa Infinite. Please give me the contact information to whom to apply for compensation. Thank you,

I have First Travel Visa card. My trip is more than 21 days. How can I get travel insurance for the days after first 21 days?

This is incorrect. the $100 travel credit is only for hotels and vacation rentals ALONG with flights. Not if your travel consists only of flights. It is a Hotel credit and NOT a travel flight credit. Beware! This credit card is absolutely useless.

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TD First Class Travel Visa Infinite Card Review

By Stefani Balinsky | Published on 20 Jul 2023

TD First Class Travel Visa Infinite Review

Is it me or is TD throwing benefits at you with this card? The TD First Class Travel ® Visa Infinite * credit card has an aggressive offer of up to 135,000 points and an easy earn rate that includes Starbucks. Yes, I invoked the name of that coffee chain and I meant it. Want to know something else? TD First Class Travel ® Visa Infinite * earns TD points that you can redeem on Amazon.ca. So, is this credit card a hot-cup-of-goodness or just lukewarm at best? Let’s find out.

Welcome Offer

Up to 135,000 bonus TD Rewards Points
Annual fee rebated for the first year

The TD First Class Travel ® Visa Infinite * Welcome Offer is really good. You can earn up to $1,100 worth of welcome offers in the first year, including 135,000 bonus points, the annual fee rebated and travel benefits. Here’s how:

TD gives you 20,000 points when you make your first purchase on the card in the first 3 months of opening the account. Next, you can earn another 115,000 points if you spend $5,000 on the card within the first 180 days of opening the account. Then, you could earn a birthday bonus of up to 10,000 TD Rewards Points. You also get an annual TD Travel Credit of $100 when you book at Expedia for TD. Finally, you get a free 12 month† Uber One membership worth $120. As always, terms and conditions apply. To get the annual fee rebated for the first year, you must make a purchase on the card within the first 3 months of opening the account.

The annual fee is usually $139 for the primary cardholder, $50 for the first additional cardholder and $0 for subsequent cardholders. You have to have a minimum personal annual income of $60,000 or an annual household income of at least $100,000 to qualify.

TD First Class Travel ® Visa Infinite * interest rates

Actually, these rates are pretty standard. You need to remember that this is a travel perks card and not a low-interest credit card. Nearly all credit card interest rates are in the 19.99% to 23.99% range. Plus, most cards have different interest rates for cash advances. If you live in Quebec, you may be subject to different rates. Of course, the best choice is to pay off your credit card balance each month and to pay back any cash advance even faster.

The TD First Class Travel ® Visa Infinite* points calculator

Inflation is not your friend, but it can help you make better spending decisions. In that same vein, the TD First Class Travel ® Visa Infinite* has a points calculator to help you decide if your spending and this credit card are good for your situation.

Let’s set the scene. You are an average Canadian family who might spend $14,000 on groceries this year, or $1,166.66 a month. You might also fill up at least one car once a week. According to StatsCan, the Canadian average fuel price for unleaded gas at a self-service station was $1.616 at the beginning of Summer 2023. If you fill up your car once a week, you spend $419.84 a month on gas for a 60 L fuel tank. How many points would you earn with the TD First Class Travel ® Visa Infinite* ?

With the average spending on gas and groceries alone, you could earn 194,245 points in the first year including the welcome offer. That is $971 in travel dollars. Plus, you only ate and gassed up the car. If you have other expenses on the card, your first-year points total can be higher.

Remember, the spending amounts and points earned are for demonstration purposes only. Actual points accrual depends on your individual shopping habits. Use the TD points calculator to estimate how many points you could earn in the first year.

Earn points on the little things

8 TD points/$1 Expedia for TD bookings
6 TD points/$1 on groceries & restaurants
4 TD ponts/$1 on recurring bill payments
2 TD points/$1 on all other card purchases

The TD First Class Travel Visa Infinite * lets you earn 2 TD points for every $1 spent. It’s a nice ratio. If you book travel with your card through Expedia for TD , you earn 8 TD points for every dollar spent. Then, you earn 6 TD points per $1 spent on groceries and restaurants and 4 TD points on recurring bill payments on your account.

If you use your card at Starbucks, you earn 50% more TD points and 50% more Stars at Starbucks. This feature is about lifestyle. Even if you don’t want to travel yet and don’t always get Starbucks, the card lives up to its slogan of ‘Earn points on the little things.’ Plus, your points do not expire so you can save them for all things big and small.

Redeeming your TD points

Thankfully, your TD points are redeemable in really extensive ways. You can use the points to buy gift cards or merchandise off of TD Rewards. They have weekly deals where you can get merchandise for less points. If you want a financial reward, you can use your points to pay off some or all of your TD credit credit card balance. Also, you can use your points to book travel with Expedia for TD.

TD First Class Travel ® Visa Infinite* is your Canadian Amazon credit card

Redeem TD Points on Amazon.ca with Amazon Shop with Points

You don’t need to get the Amazon credit card, because you can use your TD First Class Travel Visa Infinite* card on Amazon and redeem your TD points for merchandise. That is right, the Amazon points you’ve always wanted are TD points. Of course, there are more details, but you can exchange your points on Amazon for free stuff.

What is Expedia for TD?

Earn & redeem TD Points on Expedia for TD
No blackout dates

Finally! Expedia for TD is a travel booking site that allows travellers to use their TD Rewards points with an Expedia-like experience. It is exclusive to TD credit card holders and the site often has exclusive deals. Plus, it is a great way to spend and earn TD points simultaneously. You earn 8 TD Points/$1 when you book travel through Expedia for TD. There are no blackout dates and you can modify your plans easily.

TD First Class Travel ® Visa Infinite* insurances

If you read Hardbacon credit card reviews, you know that we take a deep look at the insurances you get with your card. The TD First Class Travel ® Visa Infinite * is a travel affinity card, so it should stand out for all-things travel-related. In terms of insurance, it has the requisite ones. Let’s take a look:

Travel medical insurance
Trip cancellation/interruption
Flight/trip delay
Delayed or lost baggage
Common carrier accident
Auto Rental Collision/Loss Damage Insurance

And that is on top of their Emergency Travel Assistance Services and a $100 Travel Credit on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD and posted to the Account in a calendar year.

First, a word about TD’s online travel insurance tool

TD and its online tools are outmaneuvering the competition. This is the first time I’ve found an online tool that shows me my credit card insurance coverage based on the card I use, the number of people I am travelling with, and the duration of the trip. It makes it easier for me to decide if I need extra travel insurance or if I should split my trip costs over different TD credit cards.

Travel emergency medical insurance

TD offers a solid but average emergency medical insurance policy. If I travel with my spouse or dependents, each one of us is eligible for $2,000,000 per trip. Of course, not every procedure is guaranteed a payout. As with every medical insurance plan, it covers eligible procedures and services. You have to check what is accepted before agreeing to the treatment. Your coverage is good for 21 days as long as you or any of the other travellers is under age 65. If you travel with someone over age 65 and they are a spouse, child, or the primary cardholder, they are only covered with TD’s emergency medical insurance for only the first 4 days.

Trip cancellation/interruption insurance and flight/trip delay

That handy online tool shows that you can have up to 5 travellers in your party and that your trip cancellation insurance is a maximum of $5,000. Per person, there is a $1,500 coverage. However, your maximum trip coverage is $5,000. If you are more than 5 people travelling and you are paying with one card, you might want to buy extra cancellation insurance.

Trip interruption insurance is slightly more generous. Each person has a $5,000 interruption policy. Again, the maximum for the trip for all persons combined is $25,000. Yet another instance of checking what is best for you and maybe buying extra travel interruption coverage.

Your flight/trip delay insurance covers up to $500 per insured person if your flight/trip is delayed for over 4 hours.

Delayed or lost baggage insurance

It’s true that not every credit card offers this type of coverage. TD First Class Travel ® Visa Infinite* cardholders have $1,000 in insurance coverage per person if their baggage is delayed more than 6 hours or if it is lost. Again, this is OK coverage.

Common carrier accident insurance

This is a terrible what-if scenario. If you are or one of your dependents is on a common carrier like a bus, train, ferry, rented car, cruise ship, limousine, or plane and it is involved in an accident, you are covered. You are eligible for up to $500,000 of coverage for covered losses. The amount depends on your injuries.

TD First Class Travel ® Visa Infinite* and auto rentals

If you book your auto rental with your TD First Class Travel ® Visa Infinite* credit card, you are covered for 48 consecutive days. If you are in an accident, the driver must not be legally intoxicated and there must have been no violation of the rental agreement by the primary cardholder.

You also benefit from a great rate through Avis auto rentals. When you use your TD First Class Travel ® Visa Infinite* credit card, you save a minimum of 10% off the lowest available base rates in Canada and the U.S. If you rent a car outside of Canada and the US, the minimum is 5% off the lowest base rate available at participating Avis or Budget locations.

TD First Class Travel ® Visa Infinite* ’s other benefits

Other than everything listed already, having a TD First Class Travel Visa Infinite* credit card means that you can do the following as well:

Sign up for TD Auto Club membership, where you get 24-hour road assistance
Purchase security and extended warranty protections
Instant fraud alerts
Mobile device insurance up to $1,000
Hotel/Motel Burglary Insurance up to $2,500
Access to the TD app
Click to pay
Optional balance protection insurance
The choice to set up structured payment plans

The most interesting thing to me is the click-to-pay feature and instant fraud alerts. It keeps pace with how customers expect banks to use technology to enable easy transactions but also immediate contact if fraud is suspected. Basically, it is a sign of good service.

Who is the TD First Class Travel ® Visa Infinite* credit card good for?

The base earn rate of the TD First Class Travel Visa Infinite is a decent 2 points per $1 spent, with more aggressive points for grocers, restaurants, travel and recurring bills. The insurance is decent, too.

OK, but the real advantages kick in if you use the card to book travel. You redeem fewer points for travel if you do it through Expedia for TD, a site exclusive to TD credit card customers. Plus, if you book travel with your TD card, you have access to excellent online tools to calculate how much insurance you have from your card.

Furthermore, using your card for everyday purchases stretches your dollar on two key sites: Amazon.ca and Starbucks. Hear me out: Amazon is a retail behemoth in Canada, and Starbucks is also a near-daily retail destination.

Amazon lets you use TD points for Amazon purchases. The same goes for Starbucks, but in reverse. You earn 50% more points when you buy Starbucks with your credit card.

This card makes good in its promise to earn points on the little things. If you want to travel and don’t want to use Aeroplan, this travel card is a good choice. If you are interested in Amazon purchases and love your Starbucks, this is the only card for you.

TD First Class Travel ® Visa Infinite* Rating

Benefits and perks of the td first class travel ® visa infinite*.

Redeem TD points on Amazon.ca
Earn 50% more TD points when you use your card at Starbucks
Accelerate points earning for travel with Expedia for TD, food, and recurring bills
2 points for every $1 spent on everyday purchases
Points never expire
No travel blackout dates
Welcome Offer up to 135,000 TD Rewards points
Annual fee for the primary card rebated for the first year
Decent purchase interest rate and cash advance interest rates
Comprehensive travel insurances including emergency medical, trip interruption, and trip cancellation
Fantastic online tools to estimate points calculation as well as travel insurance coverage

For complete and current information about any product, please visit the provider’s website. Terms and conditions apply.

Stefani Balinsky

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Points Programs

Hotel programs, best credit cards.

TD First Class Travel® Visa Infinite* Card

Updated on: June 4, 2024

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{post.custom_fields.card_benefits_1_b_title}, {post.custom_fields.card_benefits_2_b_title}, application must be approved by september 3, 2024 to receive this offer, signup bonus:.

20,000 TD Rewards Points upon first purchase† 55,000 TD Rewards Points upon spending $5,000 within 180 days of account opening† Total of up to 75,000 TD Rewards Points†

Interest rates:

20.99% purchase 22.99% cash advance (20.99% in Quebec) 22.99% balance transfer (20.99% in Quebec)

Earning rate:

8 TD Rewards Points† per dollar spent on eligible travel booked through Expedia® for TD† 6 TD Rewards Points† per dollar spent on eligible groceries and restaurant purchases† 4 TD Rewards Points† per dollar spent on eligible recurring bill payments set up on your account† 2 TD Rewards Points† per dollar spent on all other eligible purchases†

The TD First Class Travel ® Visa Infinite * Card is one of the most popular credit cards that allows you to earn points in the bank's proprietary TD Rewards program. With regular high-volume welcome bonuses, a strong return on travel purchases booked through Expedia, and a competitive insurance package, the TD First Class Travel ® Visa Infinite * Card is a solid choice to incorporate into your TD credit card strategy.

Bonuses & Fees

20,000 TD Rewards Points upon first purchase †
55,000 TD Rewards Points upon spending $5,000 within 180 days of account opening †

Earning Rewards

8 TD Rewards Points † per dollar spent on travel booked through Expedia ® for TD †
6 TD Rewards Points † per dollar spent on groceries and restaurants †
4 TD Rewards Points † per dollar spent on recurring bills and purchases †
2 TD Rewards Points † per dollar spent on all other purchases †

Redeeming Rewards

The best way to redeem TD Rewards Points is by booking travel through Expedia ® for TD, an online travel portal operated in partnership with Expedia ® . You can book flights, hotels, car rentals, vacation packages, and anything else that you would normally be able to book via Expedia ® . You'd apply your TD Rewards Points to the purchase at a rate of 200 points = $1, or 0.5 cents per point. If you'd rather not book through Expedia ® for TD, you can also redeem TD Rewards Points directly against any travel purchase that you purchase with your TD First Class Travel ® Visa Infinite * Card. However, the rate isn't quite as competitive at 250 points = $1, or 0.4 cents per point. Redeeming for statement credits or gift cards is also possible, although the rate is even less appealing at 400 points = $1, or 0.25 cents per point. Generally speaking, you should always strive to redeem your TD Rewards Points for travel through Expedia ® for TD whenever possible, in order to maximize their value. TD Rewards Points never expire as long as you're a cardholder. † If you cancel or switch your card to a different product, you'll have 90 days' time to redeem your TD Rewards Points before they go away. However, you'll lose the ability to book through Expedia ® for TD for 0.5 cents per point, and you'll be limited to redeeming against any travel purchase for only 0.4 cents per point.

Perks & Benefits

TD First Class Travel ® Visa Infinite * cardholders are eligible to earn a $100 credit † on accommodations and vacation packages booked through Expedia ® for TD. † This benefit is available annually to cardholders, and notably does not include flights. However, it certainly helps to offset the $139 annual fee that the card commands, beginning in the second year. Cardholders can also get car rental discounts at Avis and Budget: 10% in Canada or the US, and 5% internationally. †

Insurance Coverage

As one of TD's flagship travel rewards credit cards, the TD First Class Travel ® Visa Infinite * Card offers a strong set of insurance provisions. The card comes with 21 days of travel medical insurance of up to $2,000,000 for travellers aged under 65, and four days of coverage for travellers aged 65+. † There's also trip cancellation and trip interruption insurance of up to $1,500 and $5,000 per person, up to a maximum of $5,000 and $25,000 per trip, respectively. † While flying, cardholders are covered for up to $500 in flight delay insurance and an aggregate amount of $1,000 for lost, stolen, or delayed baggage. † And when making purchases, the card offers extended warranty of up to one additional year, as well as purchase protection that insures you against damage or theft of an item for up to 90 days after your purchase. † Lastly, it also comes with Mobile Device Insurance. By paying for your smartphone, tablet, or smartwatch using your TD First Class Travel Visa Infinite Card, you’ll get coverage of up to $1,000 in the event your mobile device is lost, stolen, or accidentally damaged, for up to 24 months! †

† Terms and conditions apply.

† The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

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TD First Class Travel Vs. TD Aeroplan: Which Is Better?

Updated: Jun 25, 2024, 7:41am

What is td first class travel, earning rewards, what is td aeroplan, td first class travel vs td aeroplan: which to choose, td first class travel and td aeroplan cards comparison, td first class travel vs. td aeroplan.

One bank, two rewards programs. If you’re looking for a travel rewards card with TD Bank, you’ll have the choice between one of the many TD Aeroplan cards they offer and a TD First Class Travel Visa Infinite. But how do you know which one will benefit you the most? We break down the differences between these two types of travel cards.

Featured Partner Offer

TD® Aeroplan® Visa Infinite Privilege* Card

On TD’s Website

Welcome Bonus

Up to $2,700 in value† including up to 75,000 Aeroplan points†

Regular APR (Purchases) / Regular APR (Cash Advances)

20.99% / 22.99%

American Express® Aeroplan®* Card

On American Express’s Secure Website

Up to 50,000 Aeroplan points

Regular APR

30% (charge card)

TD® Aeroplan® Visa Infinite* Card

Up to $1,000 in value† including up to 40,000 Aeroplan points†

TD First Class Travel isn’t really the name of a rewards program with TD. Rather, it refers to a specific credit card TD issues: the TD First Class Travel Visa Infinite . This card and several others from TD earn TD Reward points.

TD Reward points are exclusive to TD and are specifically linked to TD credit cards , meaning you won’t find them anywhere else. TD Reward points use a fixed-value points system, ensuring they can be redeemed consistently across various redemption options. This feature makes them good for covering incidental travel expenses like boutique hotel bookings, vacation rentals and other travel-related expenses.

How Many TD First Class Travel cards does TD offer?

TD only offers one TD First Class Travel card: the TD First Class Travel Visa Infinite Card.

It does offer a few other credit cards that earn TD Rewards points, including:

TD Platinum Travel Visa
TD Travel Rewards Visa
TD Business Travel Visa

TD First Class Travel Rewards

Pros of td first class travel.

Earn up to 8 points per dollar on select spending
Points can be redeemed through multiple travel booking sites, including Expedia for TD
Includes travel insurance

Cons of TD First Class Travel

TD Rewards points are exclusive to TD Bank
Must earn either $60,000 in annual personal income or $100,000 in annual household income to be eligible for this card

Redemption Options for TD First Class Travel

TD Rewards points can be redeemed for Amazon.ca purchases, Starbucks Rewards Stars and gift cards. You can also redeem TD Rewards points for travel bookings, like flights , hotels and car rentals, on any site through the TD Book Any Way option on any travel booking website or on Expedia For TD. You can also use your TD Reward points for a statement credit or for continuing education credits.

TD Aeroplan refers to credit cards issued by TD Bank that earn Aeroplan points. Aeroplan was originally designed as a loyalty program for Air Canada customers but changed hands several times over the years. 2018 Air Canada repurchased the program and reintroduced it in 2020.

Following its relaunch, Aeroplan focused on flexible rewards and expanded, adding a wide range of airline and retail partners to its network and removing fuel surcharges. Aeroplan credit cards are issued by TD Bank but are also issued by CIBC and American Express .

How Many TD Aeroplan cards does TD offer?

TD currently offers four Aeroplan credit cards:

TD Aeroplan Visa Infinite
TD Aeroplan Visa Platinum
TD Aeroplan Visa Infinite Privilege
TD Aeroplan Visa Business

TD Aeroplan Rewards

Pros of td aeroplan.

Generous welcome bonus
Points can be used for various items, including travel, merchandise, gift cards, and statement credit.
Many partner retailers earn more points
Business card option
Cards include other travel perks, like travel insurance

Cons of TD Aeroplan

The most benefits for redemption are with Air Canada
All TD Aeroplan cards have an annual fee
Lower earn rates than the TD First Class Travel card.
Some Aeroplan cards have income eligibility requirements.
You must fly Air Canada when redeeming Aeroplan Points.

Redemption Options for TD Aeroplan Credit Cards

Aeroplan points can be used for everything from booking flights and vacations with Air Canada to flights on partner airlines, hotel rooms, and car rentals. You can also redeem your Aeroplan points for merchandise, gift cards, and statement credit.

In order to take a closer look and help us choose between choose a TD First Class Travel Visa and a TD Aeroplan card, let’s review some of the facts.

Best for frequent flyers

Td first class travel® visa infinite* card.

Up to $700 in value†, including up to 75,000 TD Rewards Points†

$139 (fee rebated in the first year)

Think of the TD First Class Travel Visa Infinite Card as a cheaper step down from its higher-flying cousins on this list. Packed with travel benefits, but lacking a heavyweight rewards program, this card is really aimed at frequent fliers rather than high spenders who also like to travel.

High earn rate for rewards with Expedia.
Exclusive travel benefits.
Expensive annual fee.
Low annual net rewards earnings for average spenders.
Earn up to $700 in value†, including up to 75,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Account must be approved by September 3, 2024.
Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
Earn 55,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points†.
Get an annual TD Travel Credit † of $100 when you book at Expedia ® For TD.
Get an Annual Fee Rebate for the first year†.
To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by September 4, 2024.
This offer is not available for residents of Quebec.
† Terms and conditions apply.

Best for earn rates

Thanks to the TD Aeroplan Visa Infinite Card ’s robust Aeroplan rewards program, cardholders can earn roughly twice what they’d net through any of the other cards on this list, although its travel insurance coverage leaves something to be desired.

Great rewards program earnings
Plenty of perks, including comprehensive travel insurance and a NEXUS rebate
High annual fee
Earn up to $1,000 in value†, including up to 40,000 Aeroplan points† and additional travel benefits. Account must be approved by September 3, 2024.
Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†.
Earn 15,000 Aeroplan points when you spend $7,500 within 180 days of Account opening†.
Plus, earn a one-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†.
Enroll for NEXUS and once every 48 months get an application fee rebate†.
Plus, share free first-checked bags with up to 8 travel companions†.
This offer is not available to residents of Quebec.

Best For Aeroplan Points with Low Annual Fee

Td® aeroplan® visa platinum* card.

Up to $500 in value†

$89 (first year of annual fee rebated)

The TD Aeroplan Visa Platinum Card shares many lots of the same features seen in premium cards that cost five times the annual fee. However, it does lack a bit in the insurance department.

Decent travel and consumer protection benefits
Allows cardholders to earn Aeroplan Points twice
Low annual fee that’s rebated the first year
Lower insurance coverage than other Aeroplan cards
Earn up to $500 in value† including up to 20,000 Aeroplan points† and no annual fee for the first year. Conditions Apply. Account must be approved by September 3, 2024.
Earn an additional 10,000 Aeroplan points when you spend $1,000 within 90 days of Account opening†.
Get an annual fee rebate for the first year†.
To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by September 4, 2024.

Best For Exclusivity

True to its name, the TD Aeroplan Visa Infinite Privilege Card is exclusive and expensive, but brings to bear a broad array of perks and benefits, along with a surprisingly accessible credit score threshold.

Extensive travel perks, insurance and consumer protections
Low credit score threshold for such a powerful card
The most expensive annual fee on the list
Requires minimum personal income of $150,000 a year or $200,000 in annual household income
Earn up to $2,700 in value† including up to 75,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions Apply. Account must be approved by September 3, 2024.
Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†
Earn an additional 25,000 Aeroplan points when you spend $12,000 within 180 days of Account opening†
Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†
Share first free checked bags with up to 8 travel companions† and get unlimited access to Maple Leaf Lounges†, including complementary access for one guest.
Plus, primary card holders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†.
†Terms and conditions apply.

Best Aeroplan Card for Business Owners

Td® aeroplan® visa* business card.

Up to 65,000 Aeroplan points

This card is a must for business owners , especially those who travel. With exclusive perks and benefits starting at the airport, insuring you at take-off and at your destination with a robust travel insurance package and even providing discounts when you rent a car, you’ll feel like someone’s rolling out the red carpet for you on every business trip.

High earn rate, especially on essential categories for business
Travel perks like travel insurance and priority check-in and boarding
$149 annual fee
Limited travel benefits compared to other premium cards
Limited acceptance outside of Aeroplan and Air Canada partners
Earn up to $1,850 in value† including up to 65,000 Aeroplan points, no annual fee for the first year, and additional travel benefits†. Accounts must be opened by January 3, 2024.
Get an annual fee rebate for the first year for the primary cardholder and two additional cardholders†.
Share free first checked bags and get access to Maple Leaf Lounges†.
Earn 2 points for every dollar spent on eligible purchases made directly with Air Canada® including Air Canada Vacations®.
Earn 1.5 points for every dollar you spend on eligible purchases for travel, dining and select business categories such as shipping, internet, cable and phone services made on your Card.
Earn 1 point for every dollar you spend on all other eligible purchases on your Card.
Earn 50% more points at Starbucks when you link your TD card with your Starbucks® Rewards account.

With this in mind, the decision comes down to how you want to book travel, what you’re using the card for, what the decision comes down to is how you want to book travel, what you’re using the card for and how you like to redeem your points.

If you prefer to book travel through Expedia or other platforms, you’re better off choosing the TD First Class Travel card. If you prefer to book through Air Canada, you’ll likely get more value from an Aeroplan card.

The TD First Class Travel Visa Infinite Card is better if you prefer to redeem points for Amazon purchases or at Starbucks. However, if you’d rather redeem points for merchandise, an Aeroplan card might be worth considering.

That said, if you plan to use this card for business purposes, the TD Aeroplan card is best since the TD First Class Travel Visa Infinite is a single card you’re planning to use this card for business purposes, the TD Aeroplan card is best since the TD First Class Travel Visa Infinite is a single card and is meant for individuals, not businesses.

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Courtney Reilly-Larke is the deputy editor of Forbes Advisor Canada. Previously, she was the associate editor of personal finance at MoneySense. She was also managing editor of Best Health Magazine and has contributed to publications such as Cottage Life and Blog TO. She currently lives in Toronto.

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TD First Class Travel Visa Infinite Card Review for 2024

Written by Enoch Omololu, MSc (Econ)

Updated: August 9, 2023

Savvy New Canadians content is vigorously reviewed for accuracy by our team of qualified fact checkers.

The TD First Class Travel Visa Infinite Card is one of the best travel credit cards in Canada. It may not be the first choice for everyone, but TD has a strong partnership with Expedia for many travel benefits.

This travel credit card is a great choice for flexible travellers who are not tied to one airline, travel often, and want a variety of ways to redeem points.

This TD First Class Travel Visa Infinite Card review covers how to earn and redeem points, the benefits, a few downsides, how to apply, and a few alternative travel credit cards.

TD First Class Travel Visa Infinite Card – At a Glance

$120 annual fee
$50 annual fee for the first additional cardholder, $0 for subsequent cardholders
20.99% interest rate on purchases and cash advances
$60,000 personal or $100,000 household minimum annual income requirement
$5,000 minimum credit limit
Earn 3 TD Points for every $1 spent
Earn 9 TD Points for every $1 spent on online Expedia bookings
TD points do not expire
No travel blackout dates or seat restrictions
Expansive travel insurance

TD First Class Travel Visa Infinite Card Benefits

Some of the many TD First Class Travel Visa Infinite Card benefits include the following.

Earn and Redeem TD Points

With the TD Rewards Program, you can earn TD Points (which never expire) on everyday and Expedia purchases.

You’ll earn:

3 TD Points for every $1 spent
9 TD Points for every $1 spent when you book travel online through Expedia for TD
50% more TD Points and Stars at Starbucks if you link your TD card with Starbucks Rewards

You can redeem your TD Points on Expedia travel purchases (as discussed below), Amazon.ca, online shopping through TDRewards.com, or use your points to help pay down your credit card balance.

Travel Insurance and Benefits

Travel medical insurance – get up to $1 million in coverage for the first 21 days of your trip.

Trip interruption/cancellation insurance – get up to $1,500 in coverage per person (maximum $5,000) for cancellations and up to $5,000 in coverage per person (maximum $25,000) for interruptions.

Common carrier travel accident insurance – get up to $500,000 in coverage for losses when travelling on a train, plane, bus, etc.

Delayed or lost baggage insurance – get up to $1,000 in coverage per person for the purchase of essentials if your baggage is lost, delayed for 6 hours, or more.

You also get an annual discount on a Priority Pass membership for access to VIP airport lounges.

Automotive Benefits

The TD First Class Travel Visa Infinite Card car rental insurance is another huge benefit.

You’ll get auto rental collision and loss damage coverage for up to 48 days, and you can save a minimum of 10% off the lowest base rates for Avis and Budget Rent A Car rentals.

Security and Other Benefits

With the TD First Class Travel Visa Infinite Card, you automatically get access to Purchase Security and Extended Warranty Protection, which covers eligible items if they are damaged or stolen within 90 days post-purchase.

You may also get double the warranty for up to 12 additional months.

You can also opt-in for TD Fraud Alerts, which will alert you if suspicious activity is seen on your account. You may also get an emergency cash advance for up to $5,000, depending on your available credit limit.

Downsides of the TD First Class Travel Visa Infinite Card

The TD First Class Travel Visa Infinite Card Canada has a high minimum annual income requirement for you to be eligible to apply for this card.

You must earn at least $60,000 personal or $100,000 household annual income.

This credit card does not give you access to airport lounges; they only offer a discount on a Priority Pass membership which may not be worth it for everyone.

There are also TD First Class Travel Visa Infinite Card foreign transaction fees, which will impact your shopping in a foreign currency .

How To Apply for the TD First Class Travel Visa Infinite Card

To apply, click here .

To be eligible, you’ll need to:

Be a permanent Canadian resident
Be the age of majority in your province or territory
Confirm that you have an annual personal income of at least $60,000 or a household income of at least $100,000
Have a valid email address

You can also visit a branch and apply in person or call TD to talk to a banking specialist.

TD Rewards Program and How To Redeem TD Points

With the TD Rewards Program, you earn points on everyday purchases and can redeem them for travel and other benefits.

Expedia for TD – when you book your travel with your TD First Class Travel Visa Infinite Card, you can redeem points towards online Expedia travel purchases through ExpediaForTD.com that will pay for part or all of your trip.

Or, you could book travel with any other provider and redeem TD Points towards that purchase within 90 days after the purchase date.

Amazon.ca – enroll your TD credit card to use Shop with Points to redeem some or all of your points on your purchase.

You can also use your TD Points to help pay your credit card balance through TDRewards.com , EasyWeb, or the TD app, or shop online with TDRewards.com to get brand-name merchandise.

Alternatives to the TD First Class Travel Visa Infinite Card

Below are a few alternative travel credit cards in Canada.

TD First Class Travel Visa Infinite Card vs Tangerine World Mastercard

The T angerine World Mastercard has a $0 annual fee and a 19.95% interest rate.

You can earn 2% Money-Back rewards in two 2% Money-Back Categories of your choice and 0.50% Money-Back Rewards on all other everyday purchases.

You can transfer your balances from other high-interest credit cards to the Tangerine World Mastercard for six months with only a 1.95% balance transfer.

Other benefits include rental collision/loss damage insurance, mobile device insurance, and extended warranty and purchase protection.

You also get a complimentary membership to exclusive airport lounges provided by Loungekey and access to Boingo wi-fi for Mastercard.

View a full review of the Tangerine World Mastercard here .

Tangerine World Mastercard

Rewards : Earn up to 2% unlimited cash back in up to 3 spending categories and 0.50% on all other purchases; VIP perks.

Welcome offer : Get an extra 10% cash back on up to $1,000 in spending in the first 2 months ($100 value).

Interest rates: 19.95% for purchases, balance transfers, and cash advances.

Annual fee: $0

TD First Class Travel Visa Infinite Card vs AMEX Cobalt Card

The AMEX Cobalt Card is a credit card with a monthly fee of $12.99 and no cost for additional cards.

It has a 20.99% interest rate on purchases and 21.99% on funds advances.

You earn AMEX points through the Membership Rewards program:

5 points for every $1 spent at eligible restaurants, cafes, bars, and food delivery in Canada
3 points for every $1 spent on eligible streaming subscriptions in Canada
2 points for every $1 spent on eligible travel, transit, and gas purchases in Canada
1 point for every $1 spent on everything else

Redeem your points towards card purchases, flights through the Fixed Points Travel Program, Amazon.ca purchases, and gift cards and merchandise on membershiprewards.ca.

Learn more in this review .

American Express Cobalt Card

Rewards : Earn 5x pts per $1 spent on food & drinks; 3x pts on streaming subscriptions; 2x pts on travel; 1x pts everywhere else.

Welcome offer : Get up to 15,000 bonus points in the first year.

Interest rates: 20.99% on purchases and 21.99% on cash advances.

Annual fee: $155.88

TD First Class Travel Visa Infinite Card vs Marriott Bonvoy American Express Card

The Marriott Bonvoy American Express Card has a $120 annual fee and an interest rate of 19.99% on purchases and 21.99% for cash advances.

With this card, you earn and redeem points with the Marriott Bonvoy program. You’ll earn:

5x the points on eligible purchases at hotels with Marriott Bonvoy
2x the points on everything else

Some benefits include getting one free night a year at a Marriott Bonvoy hotel, free Marriott Bonvoy Silver Elite status, and 15 Elite Night credits each year.

This travel credit card offers travel benefits, such as flight delay, baggage delay, hotel burglary, and travel accident insurance, as well as access to American Express experiences and events.

Is the TD First Class Travel Visa Infinite Card Worth It?

The TD First Class Travel Visa Infinite Card is one of the best credit cards for travel rewards. It may be worth it if you travel often, are not tied to one particular airline, and want flexible options for redeeming points.

There are many ways to earn and redeem points, especially through Expedia. You can redeem your points on multiple airlines, hotels, and rental car bookings, and you get a plethora of travel insurance benefits, including up to $1 million in medical insurance for the first 21 days of your trip.

However, you need to ensure you meet the minimum annual income requirement before you apply.

If you are not eligible or are looking for a different travel credit card, consider the two cards above or others like the American Express Aeroplan Reserve Card and Marriott Bonvoy American Express Card .

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Enoch Omololu, MSc (Econ)

Enoch Omololu, personal finance expert, author, and founder of Savvy New Canadians, has written about money matters for over 10 years. Enoch has an MSc (Econ) degree in Finance and Investment Management from the University of Aberdeen Business School and has completed the Canadian Securities Course. His expertise has been highlighted in major publications like Forbes, Globe and Mail, Business Insider, CBC News, Toronto Star, Financial Post, CTV News, TD Direct Investing, Canadian Securities Exchange, and many others . Enoch is passionate about helping others win with their finances and recently created a practical investing course for beginners . You can read his full author bio .

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Securities and other investment and insurance products are: not a deposit; not FDIC insured; not insured by any federal government agency; not guaranteed by TD Bank, N.A. or any of its affiliates; and, may be subject to investment risk, including possible loss of value.

SECURITIES AND OTHER INVESTMENT AND INSURANCE PRODUCTS ARE: NOT A DEPOSIT; NOT FDIC INSURED; NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY; NOT GUARANTEED BY TD BANK, N.A. OR ANY OF ITS AFFILIATES; AND, MAY BE SUBJECT TO INVESTMENT RISK, INCLUDING POSSIBLE LOSS OF VALUE.

Based on average store hour data pulled in January 2024 of Top Banks (as defined below) in metropolitan statistical areas in which TD Bank operates ("TD MSAs"), excluding drive-thru hours and hours of locations in retail stores (such as grocery stores). Top banks are the top 20 banks by total deposits across TD MSAs, the top five banks by store share (or by total deposits, if store share is equal) in each TD MSA, and any bank with greater or equal store share compared to TD Bank in each TD MSA ("Top Banks").

TD First Class Travel Insurance

Natasha Macmillan, Business Unit Director - Everyday Banking

Select an insurance type

Travel Accident Insurance

Car Rental Insurance

Purchase security, extended warranty, trip cancellation, trip interruption & delay, travel medical emergency.

Lost Luggage Insurance

Delayed Luggage Insurance

View other insurance pages.

BMO World Elite MasterCard Travel Insurance • BMO Rewards Credit Cards • Value of a BMO Rewards Point
BMO Air Miles World Elite Travel Insurance • Air Miles Credit Cards • Value of an Air Mile
TD Aeroplan Visa Infinite Travel Insurance • Aeroplan Miles Credit Cards • Value of an Aeroplan Mile
Starwood Preferred Guest Travel Insurance • American Express Credit Cards • Value of a Starpoint
American Express Gold Rewards Travel Insurance • American Express Credit Cards • Value of a Membership Rewards Point
American Express AeroplanPlus Gold Insurance • American Express Credit Cards • Value of a Membership Rewards Point
Scotiabank Gold American Express Travel Insurance • Scotiabank Rewards Credit Cards • Value of a Scotia Reward Point
CIBC Aerogold Visa Infinite Travel Insurance • Aeroplan Miles Credit Cards • Value of an Aeroplan Mile
CIBC Aventura Visa Infinite Travel Insurance • Aventura Credit Cards • Value of an Aventura Point
RBC Visa Infinite Avion Travel Insurance • RBC Rewards Credit Cards • Value of an RBC Reward Point
WestJet RBC World Elite MasterCard Travel Insurance • WestJet Dollars Credit Cards
National Bank World Elite Mastercard Travel Insurance • National Bank Credit Cards

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Top-Up Your Travel Insurance

Preparing for a trip? It’s also a good idea to consider travel insurance in your plans. If you have an existing travel insurance plan but want to extend your period of coverage, consider "top-up" coverage. Whether it’s an existing TD Insurance Travel Medical Insurance plan or another insurer's coverage, TD Insurance Travel Insurance offers the ability to apply for top-up coverage.

What is top-up coverage?

Top-up coverage is an optional insurance coverage that you can apply to extend the coverage period you may already have. For example, through an existing travel insurance plan included on your credit card, or by your employer. Purchasing top-up insurance can help provide travel medical insurance coverage for travelers who find themselves away for a longer period than what they're covered for.

Here is an example of how top-up coverage works:

Mark is travelling to a destination for 30 days. His credit card has emergency travel medical coverage of up to $1 million, for the first 21 days of the trip.
Mark tops up his credit card coverage by purchasing a TD Insurance Travel Insurance plan for the last 9 days of this trip.
After his purchase, for the first 21 days of his trip, Mark would have up to $1 million of emergency travel medical coverage through his credit card. For the remaining 9 days, he would have up to $5 million in coverage from TD Insurance.

What is top-up coverage for credit cards?

TD Insurance offers a top-up coverage option for certain TD Visa * Credit Cards, allowing you to extend your insurance coverage period during your trip:

TD® Aeroplan® Visa Infinite* Card
TD® Aeroplan® Visa Infinite Privilege* Card
TD First Class Travel Visa Infinite* Card
TD Cash Back Visa Infinite* Card
TD® Aeroplan® Visa * Business Card
TD Business Travel Visa * Card

Why should you consider top-up coverage?

A number of Canadians get travel insurance through their work or credit card. However, your existing travel medical insurance may not provide coverage for the entire length of your trip. Top-up insurance can provide travel medical coverage for the dates after that initial travel insurance coverage expires.

How do you apply to top-up your coverage?

If you already have TD Insurance Travel Medical Insurance coverage and your trip is longer than what you're covered for, you can apply to top-up your plan at any time. Get in touch with a Travel Insurance Advisor by giving our administrator, Global Excel, a call at 1-833-962-1143 or 519-988-7632 and get started

If you’re looking to top-up your coverage and you’re with a different insurance provider, that’s okay too. You’ll have to apply before your trip to be eligible to top-up your coverage.

In both cases, you will be required to meet the requested terms and conditions associated with the insurance plan, including paying the required premium for top-up coverage.

Have additional questions about topping up your travel insurance? We’re ready to help. For general questions, you can reach us at 1-833-962-1143 or 519-988-7632 , Monday to Friday from 9 a.m. to 5 p.m. EST

All trade-marks are the property of their respective owners. For trade-mark ownership details, see www.tdcanadatrust.com/aeroplancards

* Trademark of Visa International Service Association and used under license.

®The TD logo and other trade-marks are the property of The Toronto-Dominion Bank

The content on this page is for general information purposes only and does not constitute legal, financial or insurance advice. The information contained herein, is subject to change without notice. Speak to a licensed professional insurance advisor regarding your specific situation.

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Experts say travel insurance is crucial: Here's how it actually works

Whether illness or weather derails plans, policies can cover a range of issues.

Whether you're a frequent traveler or setting plans for an upcoming vacation, unexpected circumstances such as bad weather can cast a cloud over a trip, which is why experts suggest investing in travel insurance.

Recently, Hurricane Beryl marked an "early and violent start" to the typical storm season. NOAA Administrator Rick Spinrad confirmed in a mid-season update earlier this month that Beryl was "the earliest category-5 Atlantic hurricane on record" -- and peak storm season is right around the corner.

With increased risk of disruptions during hurricane season through November and more people opting for shoulder season getaways after avoiding summer crowds , travelers should prepare for such worse-case scenarios to avoid losing money on hotels, activities and other bookings.

Everything you need to know about travel insurance

With an array of options in the market and various individual reasons to invest in a plan that protects your purchases, "Good Morning America" tapped top industry experts to provide insights to help ensure that even if your next getaway gets rained out, your bank account won't be drained as well.

"Things can go wrong in ways that you can't begin to imagine. And if you're unlucky and unfortunate enough to be in that position, you don't want to come back from your trip with a debt to pay off as well," Daniel Green, trip insurance expert and co-founder of Faye Travel Insurance, told "GMA."

Understand the basics before you buy bespoke coverage

Katy Nastro, spokesperson for Going.com, formerly known as Scott's Cheap Flights, told "GMA" that first and foremost, folks need to "understand all the ways in which you are already protected before dishing out for things you don't need."

"When it comes to flight insurance, under federal law, you are already protected to get a full refund or rebooked on a significantly delayed flight or cancellation, regardless of the reason," she said. "With new regulations that airlines must comply with by the end of October, seeing your refund back to your payment method will get a lot faster and more seamless."

Nastro said "many travel credit cards already have built-in trip insurance that can protect you when the unexpected happens," citing perks from the Chase Sapphire Reserve card that provide "reimbursements up to $10,000 per person for pre-paid, non-refundable travel expenses when an interruption happens."

You should always buy insurance for one simple reason -- when you start thinking -- 'I hope we have insurance,' it's one minute too late

"These cards often pay sooner than the airlines do for expenses due to misplaced bags," she added.

Nastro also suggested to check on coverage across state lines with any existing medical or car insurance policies, which could help cut down on costs.

"Specifically, when it comes to medical insurance, medical care around the world is generally a fraction of the cost compared to what it is in the U.S. So, while it could be good to have if you need stitches in Vietnam, it probably won't break the bank," she said.

Because travel insurance is subjective, Nastro said "it's worth considering when you exhaust your existing coverages to see where you might have some gaps."

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"A great example is when you have a trip with multiple components that aren't purchased together, like a flight and cruise," Nastro told "GMA." "The cruise won't wait when your flight has been rebooked for the next day, so in this scenario, it might be worth looking at insurance on the cruise portion. You can typically add insurance after the fact, but reading the fine print is critical."

"Trip or travel insurance tends to be cheaper to buy, but is restricted to what is actually covered and often has red tape in terms of getting that reimbursement. For example, if you have an illness and need to cancel your trip, policies might require a doctor's note," she continued.

She added, "Travel insurance with 'cancel for any reason' policies tends to be more expensive to purchase, but more inclusive in terms of what is considered a 'covered' reason. The biggest caveat is that they offer a partial refund -- 50% to 75% of nonrefundable expenses."

When it comes to weather, she reiterated that reading the fine print is critical, because "the coverage typically offered is for extreme weather and scenarios where the operator cannot operate for 24 hours or more, so a typical summer thunderstorm won't make the cut."

Green added that, generally, if a customer buys travel insurance from an airline provider, since the carrier "doesn't know all the details of your trip" beyond the price and date of the flight, "if you're renting a car and traveling around -- or staying in a $4,000 hotel, you might only have $1,000 worth of insurance because at the checkout screen of American or United or Delta, they just didn't know about those costs."

"That's why I think it makes a lot more sense to buy insurance directly from either a website portal or an agent that can show you the main limits, so you know all the things you spent are covered as part of the policy," he said.

As Nastro pointed out, payment for claims can become a sticky situation, which is why Green helped craft an more seamless way to alleviate issues by providing the reassurance of immediate reimbursement: "If you have Apple Pay or Google Pay, you can access that money instantly after the claim is settled," he told "GMA."

What is shoulder season? Experts tips to save on airfare, hotels in opposite seasons

Green co-founded Faye just before the COVID-19 pandemic sent the travel industry into a tailspin, but said now, "the concern on the American mind more than anything is who's gonna pay for this? Especially in these days of inflation, if you're paying significant amounts of money for travel, and something goes wrong, you'd like to at least be made whole."

3 categories to consider for travel insurance coverage

Green explained that travel insurance can generally be broken into three categories: your investment in the trip, your belongings such as luggage and passports, and your health.

For anyone booking travel on their own, without a travel agent or adviser, Green highlighted the difference between buying travel insurance directly versus clicking "yes" on an app or checkout screen.

"You're not always being offered insurance that's in your best interest if you're just hoping that whatever your credit card comes with, or whatever your airline gives you at the end of the checkout is going to provide everything you need," he said.

He noted that one important tip for any type of travel coverage purchase is "the earlier you tell your insurance company that something has gone wrong, the more likely it is that they can help you while you're on your trip -- and helping sometimes means paying for expenses so that you don't have to be out of pocket and get reimbursement."

Weather-specific products for travel inconveniences

Products like Sensible Weather offer more specific elements to cover scenarios such as rain during a beach vacation or lack of snow for a ski trip, which may derail plans.

"The idea of travel inconvenience payments, it just takes the sting out of things," Green said. "In those scenarios, you just get a fixed, agreed amount of money -- sort of no questions asked -- You just have to prove that you actually experienced the loss in question, and then you get the full amount."

"You should always buy insurance for one simple reason -- because usually at the point when you start thinking to yourself, 'Wow, I hope we have insurance,' it's one minute too late," Green said. "Hurricane season is the perfect example of that. Once a hurricane is named, you generally can't make any claims related to the hurricane if you didn't already buy a policy."

"What we're learning about the current hurricane season is the weather is becoming unpredictable all the time," Green said. "We've heard about days where the weather was so hot in Phoenix that airplanes couldn't take off from the tarmac, hurricanes coming sooner than expected, or power failures causing an airport to not be able to operate -- and because those things are so unpredictable, playing the game of wait and see before buying your insurance rarely make sense versus justbuying it around the time you buy your trip and not having to worry about that aspect again."

How much plans cost and limitations

"There is no one size fits all when it comes to travel insurance," Green noted.

However, he said "there are rules of thumb" that industry experts often follow: "You should be willing to spend up to 10% of the cost of your trip on your insurance."

"The two biggest factors that usually affect the cost of your insurance is your age at the time of purchase, not at the time of travel, and the value of your trip," he said, adding that "every company is different."

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What is travel insurance?
Average cost
When to buy travel insurance
Average cost by age
What does travel insurance cover?

Travel Insurance Cost: Average Travel Insurance Prices in 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate travel insurance products to write unbiased product reviews.

The average travel insurance premium this week is $297.42, down about 0.38% compared to last week.
For travel in the United States, the average premium is $175 to $350.
Travel insurance protects against delayed baggage, trip cancellation, and more.

The average cost of travel insurance fluctuates throughout the year, based on demand and whether or not school's in session. Also keep in mind that where you're traveling and how many people are taking the trip will affect your exact premium.

Understanding Travel Insurance

Travel insurance plans can cover both domestic and international travel. It could protect against something as familiar as delayed baggage (experts estimate 85% of lost luggage is returned to its owner within 48 hours) or as complicated as trip cancellation.

The benefits and limitations of travel insurance vary based on the company and plan. Above all else, this insurance coverage offers peace of mind.

Some credit cards offer a limited amount of travel insurance annually. If you need clarification on what your credit card offers, contact your provider to verify. These plans are great for cancellations and interruptions but may not cover more costly losses associated with unexpected medical expenses or emergency evacuations.

Individual travel insurance plans include this and much more. Travel insurance protects travelers from the unexpected when away from home.

Average Cost of Travel Insurance by Destination

Some countries are naturally more expensive travel destinations due to higher flight and lodging costs, which could increase travel insurance costs. Travel insurance will generally cost 5% to 10% of your total trip price, according to SquareMouth travel insurance .

Here's how the prices stack up:

Source: SquareMouth

How Far in Advance to Purchase Travel Insurance

According to an AAA travel survey , 88% of travelers say that reimbursement after a trip cancellation is the most valuable benefit of trip insurance.

According to data gathered by SquareMouth in the last six months, travelers tend to purchase trip cancellation travel insurance 53 days before their trip. Meanwhile, travelers without trip cancellation insurance will buy a policy approximately 16 days before their trip. Regardless of when you buy, cancellation protection can kick in to protect you against the unexpected.

Average Cost of Travel Insurance by Age

A traveler's age is a significant factor in determining the cost of travel insurance. The older a traveler is, the higher travel insurance premiums are. For instance, a senior traveler may need more insurance for health-related emergencies than a millennial.

When calculating your travel insurance premium, travel insurance providers consider the likelihood of a medical emergency.

Get your free travel insurance quote with SquareMouth »

Travel Insurance Rate Tips

Travel insurance rates through most providers fall between 4% and 8% of the total trip cost. Like the cost of flights, cruises, etc., rates may vary substantially based on the season, your original location, your destination, and other factors. This week, the average cost of a policy was close to $300.

To save money on travel insurance, tailor your policy to your specific needs and avoid unnecessary extras. You should also shop around to compare quotes from multiple insurers. Opting for an annual plan if you're a frequent traveler, checking existing coverages from other insurance policies or credit card benefits, and choosing a policy with a higher deductible can significantly lower your premiums. Always read the fine print to understand your coverage fully, ensuring you don't pay for redundant or irrelevant features.

To find affordable travel insurance, consider using online comparison websites like SquareMouth or InsureMyTrip to see rates from various providers. Other ways to save include purchasing directly from insurance companies, exploring package deals from travel agencies or airlines, utilizing included coverage from credit card benefits, and checking for discounts through membership organizations such as AAA or AARP.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

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Need more coverage for your trip?

With Top-up or Extension, get extra days of travel medical coverage or additional coverage amount for trip cancellation and trip interruption insurance.

What is Top-up or Extension of coverage 1 ?

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?

Travel Medical Insurance

Your existing travel medical insurance through work benefits or a credit card may not provide coverage for the full length of your trip. Top-up or Extension can provide travel medical coverage for the remaining days of your trip. Our top-up coverage starts immediately after your existing plan ends.

Trip Cancellation and Trip Interruption

If your existing Trip Cancellation & Interruption plan does not cover the total cost of your trip, a top-up can help provide coverage for the uncovered cost. The total cost of a trip means the pre-paid non-refundable costs of that trip.

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

Eligibility

To be eligible for Top-up or Extension for Travel Medical Insurance or Trip Cancellation & Interruption Insurance you must meet the following requirements.

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.

You are a Canadian resident.

You are a TD Bank Group customer, or the spouse or dependent child of a TD Bank Group customer; and

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.

If your existing plan is from TD, you can apply either before or after you depart on your trip.

If your existing plan is from another insurer, you must apply for a Top-up or Extension with TD before your departure date.

No insured person must have suffered a medical emergency before you apply for this Top-up or Extension of coverage.

Applicants 60 years of age and older may be required to fill out a medical questionnaire 2 .

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.

You must apply before your existing plan expires 3 .

Trip Cancellation & Interruption Insurance

You need to purchase the Top-up or Extension coverage before your departure date.

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.

Pre-existing medical conditions 4 .

Travelling against the advice of a physician.

Expenses not pre-approved by our administrator may be limited or excluded.

Abuse of alcohol, drugs, or intoxicants.

Committing or attempting to commit an illegal or criminal act.

Self-inflicted injuries.

Travel to destinations under a travel advisory by the Canadian government.

Noncompliance with any medically prescribed medical therapy or treatment.

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

View Certificate of Insurance
View Product Summary and Fact Sheet (for residents of Quebec only)

For Trip Cancellation and Interruption Insurance Top-Up or Extension

Claims and Contact Information

Let's connect.

Our administrator is ready to answer your questions and help you on your way.

For quotes, to purchase a plan or any general inquiries: 1-888-992-9163 Mon-Fri 8am to 8pm ET Saturday 9am to 5pm ET

For 24/7 emergency assistance: 1-800-359-6704 (Canada and the U.S., toll free) or + 1-416-977-5040 (worldwide, collect).

For claims: 1-800-359-6704

Start a travel insurance claim

Start the claims process by visiting the Online Claims Portal .

Explore more TD Travel Insurance plans

Looking for more options?

Can I buy Top-up or Extension Insurance with TD if my existing travel insurance plan is from another insurer?

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.

Can I purchase additional days of travel medical coverage if I already have a TD Travel Medical Insurance plan?

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.

When does my Top-Up coverage start?

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.

Why do the terms of the certificate/policy for my Top-up or Extension of coverage differ from my existing annual plan or my credit card's travel insurance plan?

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.

Can I purchase Top-up or Extension insurance from TD if I have a pre-existing medical condition?

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

Can I top-up each trip under my annual travel insurance plan?

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. 1 You 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. 2 Answering 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. 3 You must purchase the Top-Up or Extension coverage before 11:59 p.m. ET on the date on which the original coverage terminates. 4 This 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.

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TD First Class Travel Visa Infinite Card rewards and benefits review
The TD First Class Travel Visa Infinite Card and its travel insurance
TD Travel Insurance Review August 2024
TD First Class Travel Visa Infinite
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Management solutions insurance: Td first class travel card benefits

COMMENTS

PDF The TD First Class Travel Visa Infinite Benefit Coverages Guide
TRAVEL MEDICAL INSURANCE. If . You. are 64 years of age or under: Coverage is provided for the first 21 consecutive days of . Your Covered Trip If . You. are 65 years of age or older: Coverage is provided for the first 4 consecutive days of . Your Covered Trip If the duration of . Your. trip will be longer than 21 days or 4 days, You. can apply ...
PDF TD First Class Travel® Visa Infinite* Cardholder Agreement and Benefit
TD First Class Travel® Visa Infinite* Cardholder Agreement and Benefit Coverages Guide . The TD First Class Travel Visa Infinite . ... • Travel Medical Insurance 25 • Trip Cancellation/Trip Interruption Insurance Certifcate 39 • Common Carrier Travel Accident Insurance Certifcate 54
PDF Travel Insurance Summary
Learn about the travel insurance coverages provided with your TD First Class Travel Visa Infinite Card, such as common carrier travel accident, delayed and lost baggage, flight/trip delay, travel medical, trip cancellation/trip interruption. See the eligibility, benefits, exclusions and claims process for each coverage.
PDF TRAVEL INSURANCE SUMMARY Provided by TD Life Insurance Company (TD Life
insurance coverages. Cost: Your TD First Class Travel Visa Infinite Card has an annual fee charged by your credit card provider. No additional fee will be charged for the insurance coverages provided with the TD First Class Travel Visa Infinite Card. Claims: You must report Your claim to Our Administrator by calling 1-866-374-1129 no
TD First Class Travel® Visa Infinite* Card Review 2024
The TD First Class Travel Visa Infinite Card is considered to be one of Canada's higher end travel credit cards, even though its annual fee makes it quite affordable. With easy earning potential ...
PDF CREDIT CARD INSURANCE SUMMARY Provided by TD Home and Auto Insurance
with the TD First Class Travel Visa Infinite Card. INSURER DISTRIBUTOR ADMINISTRATOR TD Home and Auto Insurance Company ("TD Home & Auto") P.O. Box 1 TD Centre . Toronto, Ontario M5K 1A2 . ... o 48 hours; refer to section 4 "Description of Insurance Coverage" for full details. ...
The TD First Class Travel Visa Infinite Card and its travel insurance
Flight and travel delay insurance. 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.
7 Reasons to Apply for the TD First Class Travel® Visa Infinite* Card
The TD First Class Travel® Visa Infinite* Card comes with comprehensive insurance coverage In terms of travel insurance, the card provides the following: Emergency medical insurance: Up to $2 million for trips up to 21 days for those aged 64 and under, and up to four days for those aged 65 and older†
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You'll get great travel insurance. The TD First Class Travel Visa Infinite Card comes with up to $2 million of travel medical insurance coverage for the first 21 days of a trip. Trip ...
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The base earn rate of the TD First Class Travel Visa Infinite is a decent 2 points per $1 spent, with more aggressive points for grocers, restaurants, travel and recurring bills. The insurance is decent, too. OK, but the real advantages kick in if you use the card to book travel.
TD First Class Travel® Visa Infinite* Card
As one of TD's flagship travel rewards credit cards, the TD First Class Travel ® Visa Infinite * Card offers a strong set of insurance provisions. The card comes with 21 days of travel medical insurance of up to $2,000,000 for travellers aged under 65, and four days of coverage for travellers aged 65+. † There's also trip cancellation and ...
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Pros of TD First Class Travel. Earn up to 8 points per dollar on select spending; Points can be redeemed through multiple travel booking sites, including Expedia for TD; Includes travel insurance
TD First Class Travel Visa Infinite* Card
$100 TD Travel Credit 23 Each year, you will receive one $100.00 TD Travel Credit on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD and posted to the Account in a calendar year. Travel Medical Insurance 7 Up to $2 million of coverage for the first 21 days.
TD First Class Travel Visa Infinite Card Review for 2024
The TD First Class Travel Visa Infinite Card car rental insurance is another huge benefit. You'll get auto rental collision and loss damage coverage for up to 48 days, and you can save a minimum of 10% off the lowest base rates for Avis and Budget Rent A Car rentals.
TD First Class Visa Signature® Questions & Answers
First, use your TD First Class Visa Signature credit card to make your travel arrangements (for example, purchase an airline ticket, book a hotel room, make a car rental reservation) or to charge a meal at a restaurant. Next, call the TD Rewards Center at 1-877-468-3178 within 180 days of the charge. We will verify the travel/dining purchase charge and then submit the credit.
Travel Insurance Plans for Canadians
TD Insurance Multi-Trip Medical Plan. If you travel often, then this multi-trip plan could be more cost-effective than buying a single-trip plan each time. This plan provides you with up to $5 million in emergency travel medical coverage for each covered trip up to the maximum trip duration selected within one year. 3. Get Started.
TD First Class Travel Visa Infinite August 2024
Fact Checked. Rewards and discounts are two things that the TD First Class Travel Visa Infinite Card is all about. It starts you off with 20,000 points when you make your first purchase with your card and another 55,000 points when you spend $5,000 in the first 180 days. Must be approved by September 3, 2024.
TD Visa first class travel card, travel insurance. : r ...
Here's the insurance terms for the infinite version of that card. In general with credit cards, medical insurance is covered regardless of how the transportation was paid for. Cancellation and interruption coverage usually require you to pay for the transportation charges with your card, but it's all in the specific insurance contract.
PDF The TD First Class Travel Visa Infinite Product Summaries Index
Learn about the travel insurance coverages provided with your TD First Class Travel Visa Infinite Card, such as common carrier travel accident, delayed and lost baggage, flight/trip delay, travel medical and trip cancellation/trip interruption. See the product summaries, terms and conditions, and how to submit a claim.
TD First Class Travel Insurance
Disclaimer: Financial institutions pay us for connecting them with customers, including by paying for advertisements, clicks, or when someone applies for/is approved for a product. Terms and conditions apply between you and the provider of the product - please be sure to review them. Product information and details vary for Quebec.
Last-minute travel insurance: Can you buy it?
Or, in some cases, it's primary coverage, which means you don't have to go through your health insurance first. Travel insurance can also cover expenses related to lost, delayed baggage and ...
Top up insurance
If you already have TD Insurance Travel Medical Insurance coverage and your trip is longer than what you're covered for, you can apply to top-up your plan at any time. Get in touch with a Travel Insurance Advisor by giving our administrator, Global Excel, a call at 1-833-962-1143 or 519-988-7632 and get started.
Experts say travel insurance is crucial: Here's how it actually works
Green added that, generally, if a customer buys travel insurance from an airline provider, since the carrier "doesn't know all the details of your trip" beyond the price and date of the flight ...
How Much Does Travel Insurance Cost in 2024?
The average travel insurance premium this week is $297.42, down about 0.38% compared to last week. For travel in the United States, the average premium is $175 to $350.
Discover your TD First Class Travel® Visa Infinite* Card
Visit My TD Rewards in the TD app or EasyWeb to manage your TD Rewards Points and discover loyalty perks. Set up your regularly recurring bill payments on your Account to save time, avoid late fees and earn 4 TD Rewards Points for every $1 charged to your Account 1. Learn how to add your Card to Apple Pay 30 , Google Pay TM, 30 or Samsung Pay ...
Top-up or Extension Insurance from TD
His credit card has emergency travel medical coverage of up to $2 million, for the first 21 days. ... 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 ... TD Travel Insurance is designed exclusively for the clients of TD Bank Group and is ...

The TD First Class Travel Visa Infinite Card and its travel insurance benefits

Insurance Coverage

Eligibility

Eligibility Tool

TD First Class Travel Visa Infinite Card Description

Trip cancellation and trip interruption insurance

Common Carrier Travel Accident Insurance

Delayed and Lost Baggage Insurance

Flight and travel delay insurance

Hotel/Motel Burglary Insurance

Collision and damage insurance for rental vehicles

Purchase Assurance and Extended Warranty Protection

Mobile Device Insurance

Emergency travel assistance services

What to do if you have an insurance claim with the TD First Class Travel Visa Infinite Card

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TD First Class Travel Visa Infinite Card review

TD First Class Visa Infinite Card

The TD First Class Travel Visa Infinite Card

Are there any drawbacks to the TD First Class Travel Visa Infinite Card?

2. Your points go farther when you book with ExpediaForTD.com

3. The card comes with a generous welcome bonus

4. You’ll get great travel insurance

How to redeem your TD Points:

How to optimize the TD First Class Travel Visa Infinite Card

Does the TD First Class Travel Visa Infinite Card have travel insurance?

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TD First Class Travel Visa Infinite Card Review

Welcome Offer

TD First Class Travel ® Visa Infinite * interest rates

The TD First Class Travel ® Visa Infinite* points calculator

Earn points on the little things

Redeeming your TD points

TD First Class Travel ® Visa Infinite* is your Canadian Amazon credit card

What is Expedia for TD?

TD First Class Travel ® Visa Infinite* insurances

First, a word about TD’s online travel insurance tool

Travel emergency medical insurance

Trip cancellation/interruption insurance and flight/trip delay

Delayed or lost baggage insurance

Common carrier accident insurance

TD First Class Travel ® Visa Infinite* and auto rentals

TD First Class Travel ® Visa Infinite* ’s other benefits

Who is the TD First Class Travel ® Visa Infinite* credit card good for?

TD First Class Travel ® Visa Infinite* Rating