TD Aeroplan Visa Infinite Privilege Credit Card Product Summary
8
Trip Cancellation/Trip Interruption Insurance
Issued by TD Life under Group Policy Number TI004 and TD Home & Auto under Group Policy Number TGV007 (the “Group
Policy” or "Group Policies") to The Toronto-Dominion Bank (the “Policyholder”). Global Excel provides Claims and Assistance
services under the Group Policy.
What is included in this coverage?
Trip Cancellation/Trip Interruption Insurance is coverage that offers financial protection if covered events
occur before departure and cause cancellation of travel plans or if covered events interrupt travel plans on
or after the departure date.
What are the benefits?
Trip Cancellation Insurance
(Before Departure Date)
Up to $2,500 per Insured Person per Covered Trip (maximum of $5,000
total for all Insured Persons on the same Covered Trip) if you are required
to cancel the Covered Trip due to a Covered Cause.
Trip Interruption Insurance
(After Departure Date):
Up to $5,000 per Insured Person per Covered Trip (maximum of $25,000
total for all insured persons on the same Covered Trip) if you are prevented
from continuing the Covered Trip as a result of a Covered Cause.
Note: To activate coverage, at least 75% of your trip cost must be paid for using your TD Credit Card and/or
Aeroplan points.
What are the limitations and exclusions?
This insurance contains limitations and exclusions (e.g., Medical Conditions that are not Stable, pregnancy,
child born on trip, excessive use of alcohol, high risk activities, etc.). This insurance may not cover claims
related to Pre-Existing Medical Conditions (e.g., heart conditions, high blood pressure, arthritis, etc.) that
existed prior to the date of departure.
For complete details, please see the "What your insurance covers - Trip Cancellation Insurance (Limitations
and Exclusions)" (Section 6), "What your insurance covers – Trip Interruption Insurance (Limitations and
Exclusions)" (Section 7), "Limitations and Exclusions: What your insurance does not cover" (Section 8), and
"General conditions" (Section 10) sections in Your Certificate.
What is the coverage period?
For Trip Cancellation:
Coverage Period begins on the date the Covered Trip is booked or reserved with the travel agent or other
travel supplier. The Coverage Period ends on the on the earlier of the date the Insured Person departs or
plans to depart on the Covered Trip; and the date the Certificate terminates.
For Trip Interruption:
Coverage Period begins on the date the Insured Person completes a portion of the Covered Trip as
shown on his or her invoice or ticket provided the Covered Trip is booked or reserved with the Insured
Person's travel agent or other travel supplier. The Coverage Period ends on the earlier of the date the
Insured Person is scheduled to return from the Covered Trip; and the date the Certificate terminates.