How do I activate the TD Aeroplan Visa Infinite travel insurance benefits?

There is no separate enrollment. The benefits apply once you meet each one's charge rule. For trip cancellation, interruption, flight delay, and baggage, at least 75% of the trip cost must be charged to the card or paid with Aeroplan points. For the rental car benefit, charge the full rental to the card and decline the agency's collision damage waiver at the counter. For a medical emergency abroad, the coverage applies automatically while you travel, but you must call Global Excel at 1-866-374-1129 before treatment, or your payout is limited to 80% of eligible expenses up to $30,000.

Who is covered under my TD Aeroplan Visa Infinite benefits?

Emergency medical and most travel benefits cover the primary cardholder, their spouse, and dependent children, as long as each is a Canadian resident with a valid government health plan. Dependent children means unmarried children under 22, or under 26 if in full-time studies, or those mentally or physically dependent. Coverage applies whether or not the cardholder travels with them. The one limit that matters most: emergency medical runs 21 days for travelers 64 and under, but only 4 days once a traveler is 65 or older on the departure date.

How does the TD Aeroplan Visa Infinite rental car coverage actually work?

The rental coverage is primary. Decline the rental agency's collision damage waiver at the counter and charge the entire rental to the card. If the vehicle is damaged or stolen, TD Home and Auto pays up to the actual cash value plus valid loss-of-use charges, without sending you to your personal auto insurer first. Coverage runs for rentals of 48 consecutive days or less, on vehicles with a manufacturer's suggested retail price of $65,000 or less. Trucks, cargo vans, off-road vehicles, and exotics are excluded. Report any damage to Global Excel within 48 hours.

How do I file a claim with the TD Aeroplan Visa Infinite?

All claims go through Global Excel Management Inc. at 1-866-374-1129 (toll-free, Canada and U.S.) or +1-416-977-4425 (collect, international). Report a medical emergency within 48 hours and call before treatment. For trip cancellation, contact them within 24 hours of cancelling. You will need itemized bills for medical claims, your card statement showing at least 75% of the trip charged for cancellation and interruption, and the carrier's written confirmation for delay or baggage claims. Submit the completed form within one year of the incident, 90 days for the travel accident and baggage benefits.

What does the TD Aeroplan Visa Infinite not cover?

Emergency medical covers only the first 4 days of a trip for travelers 65 and over, versus 21 days under 65, so older travelers on longer trips are exposed past the cap. Pre-existing conditions must be stable for 90 days under 65, or 180 days at 65 and over, or they are excluded. The rental benefit has no roadside assistance and no third-party liability. Combined delayed and lost baggage is capped at $1,000 per person. There is no price protection, return protection, event ticket protection, rideshare protection, or identity theft service.

Does the TD Aeroplan Visa Infinite pay my medical bills directly or do I pay first?

Global Excel arranges direct payment to the hospital wherever possible, which sets this card apart from many that are reimbursement-only. If a direct payment cannot be arranged, you pay and submit a claim afterward. Either way, you must call Global Excel at 1-866-374-1129 before treatment so they can coordinate. If you do not call when you can, benefits are limited to 80% of eligible expenses up to $30,000. The benefit is also excess: your provincial health plan and any other coverage apply first, though provincial plans pay very little abroad.

Is the TD Aeroplan Visa Infinite rental car coverage primary or secondary?

It is primary. TD Home and Auto pays a covered damage or theft claim on the rental directly, so you do not have to file with your personal auto insurer first and your no-claims record is not affected. This is the stronger of the two coverage types; secondary coverage, common on lower-tier cards, makes your own insurer pay first. To use it, decline the rental agency's collision damage waiver at the counter and charge the full rental to the card. Coverage lasts up to 48 consecutive days.

Are pre-existing conditions covered by the TD Aeroplan Visa Infinite insurance?

They are covered only if the condition was stable before departure. Stable means no new treatment, no change in medication or dosage, no new symptoms, and no test or specialist referral pending. The stability window is 90 days for travelers 64 and under, and 180 days for travelers 65 and over. Routine adjustments to insulin, warfarin, or Coumadin, and a brand-to-generic switch at the same dose, do not break stability. A medication change just before the trip can be enough to exclude a related claim, so review the definition in your Certificate before you travel.

Does the TD Aeroplan Visa Infinite cover a skiing or snowboarding accident abroad?

Recreational skiing and snowboarding injuries are handled under the emergency medical benefit, subject to its $2,000,000 limit and the duration cap (21 days under 65, 4 days at 65 and over). The certificate does not sell a separate winter sports product. What is excluded is the high-risk end: professional or competitive events, any activity where you are paid, and mountaineering that needs ropes, crampons, or anchors. An ordinary day on marked runs is treated as a covered medical emergency; an off-piste mountaineering accident is not.

TD Aeroplan Visa Infinite insurance: what actually pays out, and where's the gap?

TD·CA$139/year·Visa Infinite·TD Life Insurance Company (medical) and TD Home and Auto Insurance Company (non-medical); claims administered by Global Excel Management Inc.

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 23, 20268 min read

4,0/5Independent review · verified June 2026

Travel Insurance

4,1

Car Rental

4,2

Protection

3,0

Our Verdict · Travel Insurance

Our opinion on TD Aeroplan Visa Infinite Travel Insurance

Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews

Broad travel package. One age cliff to watch. That combination is the story of this card. You're booking a two-week trip and want the prepaid cost protected. Charge at least 75% of it to the card (Aeroplan points count) and the trip cancellation benefit covers $1,500 per person, up to $5,000 a trip, for more than ten covered reasons including illness, a death in the family, jury duty, and a government travel advisory issued after you booked. Trip interruption runs higher, $5,000 per person and $25,000 per trip. The emergency medical is the headline: $2,000,000 per person. Two numbers decide whether it works for you. Coverage lasts the first 21 consecutive days of a trip if you are 64 or under, and only the first 4 days once you are 65 or older. The second number is the good one: Global Excel arranges direct payment to the hospital wherever possible, so you are not always fronting the bill the way most card medical plans force you to. For travelers searching td aeroplan visa infinite travel insurance, the gap is age, not breadth. A 66-year-old on day 5 of a trip has no medical coverage left, and provincial plans (RAMQ, OHIP) pay almost nothing abroad. A single U.S. hospital stay runs $20,000 to $80,000. If you are under 65 and take trips of three weeks or less, this is one of the more complete packages at the $139 fee. If you are 65 or older, or travel longer than three weeks, add a standalone medical policy for the days past the cap.

What works on travel

$2,000,000 emergency medical per person, with Global Excel arranging direct payment to the hospital wherever possible rather than reimbursement after the fact
$1,500 per person trip cancellation (max $5,000 per trip) covering more than 10 reasons: illness, family death, jury duty, employment relocation, and post-booking travel advisories
$5,000 per person trip interruption (max $25,000 per trip), among the higher interruption limits at this fee
Primary rental CDW up to the vehicle's actual cash value for rentals of 48 consecutive days, with no claim against your personal auto policy
Trip cost can be charged with the card and/or Aeroplan points to meet the 75% activation rule

Where travel breaks down

Emergency medical drops from 21 days to just 4 days once you are 65 or older on the departure date: a hard cliff, not a reduced benefit
Pre-existing conditions must be stable for 90 days (under 65) or 180 days (65 and over) before departure, or the claim is excluded
Combined delayed and lost baggage is capped at $1,000 per person per trip, lower than many travel cards
Flight and trip delay caps at $500 and needs a delay of 4 hours or more
No roadside assistance and no third-party liability on the rental car benefit

Our methodology

Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.

Travel Insurance · 11 guarantees

What does TD Aeroplan Visa Infinite Travel Insurance actually cover?

Quality, not just caps

At least 75% of the trip must be charged to the card or Aeroplan points, or the claim is denied. File with the administrator within 24 hours of cancelling.

Deductible : No deductible

Trip cancellation covers prepaid, non-refundable travel arrangements up to $1,500 per insured person and $5,000 per trip when you cancel before departure for a covered cause. At least 75% of the trip cost must be charged to the card or paid with Aeroplan points. Covered causes include sudden illness or injury, death of an insured or a family member, jury duty, an employment relocation, and a government travel advisory issued after you booked. Underwritten by TD Home and Auto Insurance Company.

What's covered

Sudden unexpected sickness or injury of an insured person or travelling companion, certified by a physician
Death of an insured person, a travelling companion, or an immediate family member
Jury duty, a court subpoena, or a call to service as a military, police, or fire reservist
A Canadian government travel advisory (avoid all or non-essential travel) issued after booking
Employment transfer requiring relocation within 30 days of the trip
Quarantine, hijacking, or a home made uninhabitable by a natural disaster

What's not covered

Pre-existing medical conditions not stable for 90 days (under 65) or 180 days (65+) before the coverage period
Reasonably foreseeable events known at the time of booking
Cancellation penalties that arise after the covered cause occurs
Any reason not listed among the covered causes
Claims related to pregnancy complications, childbirth, or a child born during the trip

Coverage runs 21 days under 65, but only 4 days once you turn 65, with $2M either way. Call Global Excel before treatment or your payout is capped at 80%, max $30K.

Deductible : No deductible

Emergency medical covers up to $2,000,000 per insured person per covered trip for a sudden, unforeseen medical emergency. Coverage applies to the first 21 consecutive days of the trip if you are 64 or under, and only the first 4 consecutive days once you are 65 or older. Global Excel arranges direct payment to the hospital wherever possible; if it cannot, you pay and claim afterward. You must call before treatment, or benefits are limited to 80% of eligible expenses up to $30,000.

What's covered

Hospital and physician fees for in-patient and out-patient emergency treatment
Private duty nursing up to $5,000 when medically necessary
Diagnostic tests and lab work (MRI, CT, ultrasound require pre-approval)
Emergency and air ambulance to the nearest appropriate hospital
Prescription drugs required for the covered emergency
Accidental dental up to $2,000, plus $200 for emergency dental pain relief
Meals and accommodation up to $350 per day (max $3,500); bedside companion $150 per day (max $1,500)
Return of deceased up to $5,000

What's not covered

Travelers 65 or older are covered only for the first 4 consecutive days of the trip
Pre-existing conditions not stable for 90 days (under 65) or 180 days (65+) before departure
Treatment you travel specifically to obtain, and ongoing care after the emergency ends
Pregnancy complications within 9 weeks of the due date, or childbirth
Professional sports, racing, and high-risk activities (parachuting, mountaineering, scuba outside certification)
Claims involving alcohol, drugs, war, or an avoid-all-travel advisory

Call Global Excel before any evacuation. Air ambulance arranged without their pre-approval is not reimbursed, and the 65+ four-day cap applies here too.

Deductible : No deductible

Medical evacuation and repatriation are covered inside the emergency medical benefit, not as a separate capped benefit. Global Excel arranges and pre-approves air ambulance to the nearest appropriate hospital and the emergency return home by one-way economy fare, with a second seat for a stretcher if needed. Return of remains is covered up to $5,000, and a round-trip economy fare brings a family member to your bedside if you are hospitalized three or more days. Call before any evacuation is arranged.

What's covered

Air ambulance to the nearest appropriate hospital, arranged and pre-approved by Global Excel
Emergency return home to your province by one-way economy fare when medically necessary
Stretcher fare (a second economy seat) when required
Transportation to bedside for one family member if you are hospitalized 3 or more days
Return of deceased up to $5,000 (casket or urn not included)

What's not covered

Evacuation costs not arranged or pre-approved by Global Excel
Travelers 65 or older beyond the first 4 days of the trip
Transport for non-emergency, elective, or pre-existing-condition treatment
The cost of a burial casket or urn, or funeral expenses at home

Pays the unused prepaid portion plus the one-way fare home. Keep the 75%-charged-to-card rule in mind and call the administrator within 24 hours.

Deductible : No deductible

Trip interruption covers up to $5,000 per insured person and $25,000 per trip when a covered cause cuts your trip short after departure. It reimburses the unused, non-refundable portion of your prepaid travel plus the extra one-way economy fare to get home or rejoin your trip. At least 75% of the trip must be charged to the card or Aeroplan points. Covered causes mirror the cancellation list, including illness, a family emergency, and a post-departure travel advisory.

What's covered

Unused non-refundable prepaid travel arrangements after a covered interruption
Extra one-way economy fare to return home or rejoin a tour
Reasonable additional transportation to the next destination after a covered delay
Same covered-cause list as trip cancellation (illness, family death, advisory, and more)

What's not covered

Pre-existing conditions not stable for the required window before departure
Reasonably foreseeable events at departure
Prepaid unused return travel (excluded from interruption)
Any reason not listed among the covered causes

Triggers only at 4 hours or more, and only for weather, mechanical, or strike causes. Keep the carrier's written confirmation of the delay and all receipts.

Deductible : No deductible

Flight and trip delay reimburses up to $500 for reasonable meals, accommodation, and additional ground transportation when your common carrier is delayed 4 hours or more for an eligible cause. Eligible causes are weather, mechanical breakdown, or a strike or labour action by carrier employees. Underwritten by TD Home and Auto Insurance Company. This benefit is excess over any compensation the carrier provides.

What's covered

Reasonable meal costs during the delay
Overnight accommodation when required
Reasonable additional ground transportation tied to the delay

What's not covered

Delays under 4 hours
Delays from events known before the trip was booked
Strikes or labour disputes announced before booking
Outright cancellation of the carrier (treated separately, not as a delay)
Delays from a bomb scare or threat

No standalone payout. The connection you miss because of a covered delay is reimbursed under trip interruption, not as its own benefit.

There is no separate missed connection benefit with a dollar cap. A missed connection is handled inside trip interruption: when a covered delay (carrier mechanical failure, a police-documented road closure, or weather) causes you to miss an onward common carrier, the card pays reasonable additional transportation to rejoin your trip by the most direct route, pre-approved by the administrator.

What's not covered

A missed connection from a cause outside the covered delay list
Transportation not pre-approved by the administrator

There is no flat early-return cap: the trip-interruption fare home and the medical return are the two routes, each needing a call to the administrator first.

Early return is covered through two benefits rather than a separate one. Trip interruption pays the extra one-way economy fare home when a covered cause cuts the trip short. The emergency medical benefit separately covers a medically necessary return home, including a stretcher fare or air ambulance when required and pre-approved by Global Excel. Both routes need the administrator contacted before arrangements are made.

What's not covered

Non-medical early return for a reason outside the covered-cause list
Transportation arranged without contacting the administrator first

Trigger is 6 hours, not 4, and the $1,000 is shared with lost baggage, not on top of it. Outbound trips only.

Deductible : No deductible

Baggage delay reimburses essential clothing and toiletries you buy when checked baggage is delayed more than 6 hours past your arrival at your final destination. The benefit pays up to $1,000 per covered person per trip, but that $1,000 is shared with the lost baggage benefit. At least 75% of the ticket cost must be charged to the card. Purchases made after the bag is returned, or more than 96 hours after arrival, are not covered.

What's covered

Essential clothing bought during the delay
Essential toiletries bought during the delay
Purchases made before the bag is returned and within 96 hours of arrival

What's not covered

Baggage delayed on the trip home to your province
The combined delayed and lost baggage cap is $1,000 per person per trip
Purchases after the baggage is returned or beyond 96 hours after arrival
Electronics, money, securities, and documents

Capped at $1,000 per person, shared with baggage delay, and it pays only after the airline settles. File a written loss report with the carrier.

Deductible : No deductible

Lost baggage covers the replacement cost of personal property the common carrier never locates, up to $1,000 per covered person per trip. It is excess coverage: you claim from the airline first, and the card covers the portion the carrier and any other insurance do not pay. The $1,000 limit is shared with the baggage delay benefit. At least 75% of the ticket must be charged to the card.

What's covered

Replacement cost of checked baggage the carrier permanently loses
The portion not paid by the common carrier or other insurance

What's not covered

Baggage not checked with the common carrier
Money, securities, credit cards, tickets, and documents
Baggage seized or held by customs or a government agency
The combined delayed and lost cap is $1,000 per person per trip

Pays only for an accident on a common carrier (plane, train, bus, ferry), and the full fare must be on the card. Not a general life or accident policy.

Deductible : No deductible

Common carrier travel accident insurance pays up to $500,000 for accidental death, or for loss of limbs, sight, speech, or hearing on a schedule, when the loss happens while you ride, board, or alight from a common carrier. The full fare must be charged to the card or Aeroplan points. Underwritten by TD Life Insurance Company. It also applies at the airport, terminal, or station at the start or end of the trip.

What's covered

Accidental death: $500,000
Loss of both hands, feet, or sight, or two of these: $500,000
Loss of one hand, foot, or sight of one eye: $333,350
Permanent total disability and coma benefits per the schedule
Coverage while riding, boarding, or leaving a common carrier, and at the terminal

What's not covered

Losses not involving a common carrier
Suicide or intentionally self-inflicted injury
War, civil unrest, or service in the armed forces
Loss while acting as a pilot or crew member
Bacterial infection except from an accidental injury

Canada and U.S. stays only, and forced entry must be visible. A room break-in in Europe or Asia is not covered by this benefit.

Deductible : No deductible

Hotel and motel burglary pays up to $2,500 per occurrence for personal belongings stolen from your room when there is evidence of forced entry. It applies in Canada and the United States only, and at least 75% of the room cost must be charged to the card. Cash, securities, and documents are not covered. A police report is needed to support the claim.

What's covered

Personal belongings stolen from the room through forced entry
Applies at hotels and motels in Canada and the United States

What's not covered

Theft without evidence of forced entry
Stays outside Canada and the United States
Cash, securities, and documents
Rooms not charged at least 75% to the card

Policy document 1

Policy document 2

We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?

Report an error Send updated PDF

Coverage Radar

Where the TD Aeroplan Visa Infinite wins, where it loses

Coverage snapshot for this tab — click any layer to highlight its scores.

Compare

Aeroplan Visa InfiniteThis card4.0/5?

$139/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

$150 avg. annual fee

Click a layer to highlight its scores on the radar.

Side-by-side comparison

How the TD Aeroplan Visa Infinite stacks up against the alternatives

Same 5 coverage dimensions, ranked head-to-head against the cards most Aeroplan Visa Infinite shoppers also consider.

Card	This card Aeroplan Visa Infinite TD · $139/yr 4.0/5?	First Class Travel Visa Infinite TD · $139/yr 3.7/5?	WestJet World Elite Mastercard RBC · $139/yr 4.1/5?	Aeroplan Reserve American Express · $599/yr 4.1/5?
Trip cancellation Per person, per trip cap	$1,500 per person All prepaid travel	$1,500 / person ($5,000 / trip) Full trip cost on card	$1,500 per person Charged to card or WestJet dollars	$1,500 / person Covered reasons apply
Emergency medical Hospital bills abroad	$2,000,000 Direct payment arranged	$2M / person (21 days, 4 at 65+) First 21 days (4 at 65+)	Unlimited No dollar ceiling	$5,000,000 Age 64 or under only
Emergency evacuation Air ambulance + repatriation	Actual costs Air ambulance arranged	Included in medical Within $2M medical	Within medical Air ambulance pre-authorized	Within $5M medical Within emergency medical
Trip delay trigger Hours before benefits kick in	4h / $500 4-hour delay threshold	$500 (4h+) Trigger: 4 hours	4h / $500 $250 per day	4h / $1,000 agg 4-hour trigger
Rental CDW Primary or secondary	Primary / $65,000 MSRP Primary coverage	Primary, actual cash value Primary coverage	Primary / actual cash value Primary coverage	Primary / $85,000 Primary CDW

StrongLimited / misleadingNot covered

Data verified against each card's Guide to Benefits, May 2026.

r/PersonalFinanceCanada

2025-08

Rental CDW paid out, no hassle with my own insurer

Backed into a post in a rental. Declined the counter CDW and put the whole rental on the TD Aeroplan. Coverage was primary, so my personal auto insurance never got involved and my premiums didn't move. Global Excel asked for the rental agreement and the repair estimate, paid the actual cash value portion. Clean.

r/CreditCardsCanada

2025-09

Trip interruption covered an early flight home

Had to cut a trip short for a family emergency. Trip interruption reimbursed the unused hotel nights and the one-way fare home. The 75% on the card rule mattered, I'd booked everything on the Aeroplan so it qualified. Call them within 24 hours, that part is real.

RedFlagDeals

2025-12

Medical claim turned into a document loop

Filed a medical claim through TD and Global Excel after an ER visit in the US. They kept asking for documents I'd already uploaded, and the phone hold times were long. Got paid eventually but it took weeks of back and forth. Keep every itemized bill and the departure proof from day one.

milesopedia.com

2025-10

Great until you turn 65

The $2M medical sounds huge but the coverage is only 4 days once you hit 65. I travel for three weeks at a time so I now buy a separate medical policy for the rest of the trip. Fine card for the points and the rental coverage, just don't lean on the medical past the age cap.

Canada & U.S. (toll-free)

1-866-374-1129

toll_free · 24/7 emergency line; claims 8 a.m. to 8 p.m. ET

International (collect)

+1-416-977-4425

collect · 24/7

Benefit administrator: Global Excel Management Inc. for all claims (1-866-374-1129) | underwriters: TD Life Insurance Company (medical, travel accident) and TD Home and Auto Insurance Company (cancellation, interruption, delay, baggage, rental CDW) | report medical emergencies within 48 hours

Claims & pre-authorizations

How to file a TD Aeroplan Visa Infinite claim

Call Global Excel first

Contact Global Excel Management Inc. at 1-866-374-1129 (toll-free, Canada and U.S.) or +1-416-977-4425 (collect, international). For a medical emergency, call before treatment, or benefits are limited to 80% of eligible expenses up to $30,000.

Report within the deadline

Report medical emergencies within 48 hours of hospital admission. Report rental damage within 48 hours, and trip cancellation or interruption immediately (within 24 hours of cancelling). Flight delay and baggage claims: notify within 45 days.

Medical documents

For emergency medical: provide itemized hospital and physician bills (not just payment receipts), the diagnosis from the treating physician, proof of your departure date, and a signed release of medical information.

Cancellation and interruption documents

Provide your card statement showing at least 75% of the trip charged to the card or Aeroplan points, the supplier's cancellation terms, unused tickets, and a physician's certificate or other proof of the covered cause.

Baggage and delay documents

For baggage: file a written loss or delay report with the carrier and keep itemized receipts for essentials. For flight delay: keep the carrier's written confirmation of the delay and all receipts.

Submit within one year

Send the completed claim form with documentation within one year of the incident (90 days for the travel accident and baggage benefits). File the day the incident happens, not the day you return home.

There is no separate enrollment. The benefits apply once you meet each one's charge rule. For trip cancellation, interruption, flight delay, and baggage, at least 75% of the trip cost must be charged to the card or paid with Aeroplan points. For the rental car benefit, charge the full rental to the card and decline the agency's collision damage waiver at the counter. For a medical emergency abroad, the coverage applies automatically while you travel, but you must call Global Excel at 1-866-374-1129 before treatment, or your payout is limited to 80% of eligible expenses up to $30,000.
Emergency medical and most travel benefits cover the primary cardholder, their spouse, and dependent children, as long as each is a Canadian resident with a valid government health plan. Dependent children means unmarried children under 22, or under 26 if in full-time studies, or those mentally or physically dependent. Coverage applies whether or not the cardholder travels with them. The one limit that matters most: emergency medical runs 21 days for travelers 64 and under, but only 4 days once a traveler is 65 or older on the departure date.
The rental coverage is primary. Decline the rental agency's collision damage waiver at the counter and charge the entire rental to the card. If the vehicle is damaged or stolen, TD Home and Auto pays up to the actual cash value plus valid loss-of-use charges, without sending you to your personal auto insurer first. Coverage runs for rentals of 48 consecutive days or less, on vehicles with a manufacturer's suggested retail price of $65,000 or less. Trucks, cargo vans, off-road vehicles, and exotics are excluded. Report any damage to Global Excel within 48 hours.
All claims go through Global Excel Management Inc. at 1-866-374-1129 (toll-free, Canada and U.S.) or +1-416-977-4425 (collect, international). Report a medical emergency within 48 hours and call before treatment. For trip cancellation, contact them within 24 hours of cancelling. You will need itemized bills for medical claims, your card statement showing at least 75% of the trip charged for cancellation and interruption, and the carrier's written confirmation for delay or baggage claims. Submit the completed form within one year of the incident, 90 days for the travel accident and baggage benefits.
Emergency medical covers only the first 4 days of a trip for travelers 65 and over, versus 21 days under 65, so older travelers on longer trips are exposed past the cap. Pre-existing conditions must be stable for 90 days under 65, or 180 days at 65 and over, or they are excluded. The rental benefit has no roadside assistance and no third-party liability. Combined delayed and lost baggage is capped at $1,000 per person. There is no price protection, return protection, event ticket protection, rideshare protection, or identity theft service.
Global Excel arranges direct payment to the hospital wherever possible, which sets this card apart from many that are reimbursement-only. If a direct payment cannot be arranged, you pay and submit a claim afterward. Either way, you must call Global Excel at 1-866-374-1129 before treatment so they can coordinate. If you do not call when you can, benefits are limited to 80% of eligible expenses up to $30,000. The benefit is also excess: your provincial health plan and any other coverage apply first, though provincial plans pay very little abroad.
It is primary. TD Home and Auto pays a covered damage or theft claim on the rental directly, so you do not have to file with your personal auto insurer first and your no-claims record is not affected. This is the stronger of the two coverage types; secondary coverage, common on lower-tier cards, makes your own insurer pay first. To use it, decline the rental agency's collision damage waiver at the counter and charge the full rental to the card. Coverage lasts up to 48 consecutive days.
They are covered only if the condition was stable before departure. Stable means no new treatment, no change in medication or dosage, no new symptoms, and no test or specialist referral pending. The stability window is 90 days for travelers 64 and under, and 180 days for travelers 65 and over. Routine adjustments to insulin, warfarin, or Coumadin, and a brand-to-generic switch at the same dose, do not break stability. A medication change just before the trip can be enough to exclude a related claim, so review the definition in your Certificate before you travel.
Recreational skiing and snowboarding injuries are handled under the emergency medical benefit, subject to its $2,000,000 limit and the duration cap (21 days under 65, 4 days at 65 and over). The certificate does not sell a separate winter sports product. What is excluded is the high-risk end: professional or competitive events, any activity where you are paid, and mountaineering that needs ropes, crampons, or anchors. An ordinary day on marked runs is treated as a covered medical emergency; an off-piste mountaineering accident is not.