No trip cancellation. This benefit is not included with this card. Prepaid flights, hotels, and tours are not reimbursable if you cancel. A standalone travel insurance policy is required for this coverage.
TD Cash Back Visa Infinite benefits: what does the insurance actually cover?
TD·CA$120/year·Visa Infinite·TD Insurance (TD Life, TD Home & Auto)
Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 24, 20268 min read
2,4/5Independent review · verified June 2026
1,6
4,3
2,9
Our Verdict · Travel Insurance
Our opinion on TD Cash Back Visa Infinite Travel Insurance
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
Big medical number. Almost nothing else. The TD Cash Back Visa Infinite travel insurance is built around one benefit: $2,000,000 in emergency medical, which is genuinely high. Then the list runs short. There is no trip cancellation, no trip interruption, no flight or trip delay, and no travel accident coverage on this card. Most people see Visa Infinite and assume the full travel suite, but here it is emergency medical plus delayed and lost baggage, and that is the lot. The medical clock is the other catch: 10 consecutive days under 65, and just 4 days at 65 and over, paid in excess of your provincial plan. A serious hospital stay in the US runs $20,000 to $80,000, while standalone travel insurance covers emergency medical from $1,000,000 per person with no day cliff. If you take short trips under 65 and only need medical and baggage cover, it holds up. For longer trips, or for any cancellation protection, this card leaves real gaps.
What works on travel
- $2,000,000 emergency medical per person, among the highest limits at a $120 fee
- Delayed and lost baggage covered to $1,000 per person per trip, combined
- Emergency medical includes hospital, physicians, ambulance, and emergency return home
- 24/7 emergency assistance through Global Excel, in Canada and abroad
Where travel breaks down
- No trip cancellation or interruption: prepaid flights and hotels are not reimbursable if plans change
- No flight or trip delay coverage: meals and lodging during a delay are out of pocket
- Emergency medical lasts only 10 days under 65, and just 4 days at 65 and over
- Medical is in excess of your provincial plan, so you call first and often pay the bill first
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 Cash Back Visa Infinite Travel Insurance actually cover?
Quality, not just caps
Coverage drops to 4 days at 65 and over, and 10 days under 65. Past that window a US hospital stay of $20K to $80K is yours unless you bought a top-up.
Emergency medical pays up to $2,000,000 per person for a sudden medical emergency abroad, covering hospital, physicians, diagnostics, ambulance and emergency return home. The duration is the catch: the first 10 consecutive days of a trip if you are 64 or under, and only the first 4 days at 65 and over. It pays in excess of your provincial health plan, so you call Global Excel before treatment and often front the bill. Private duty nursing reaches $5,000 and accidental dental $2,000, inside the overall maximum.
What's covered
- Up to $2,000,000 per person
- Hospital, physician, diagnostics, ambulance
- Emergency return home
- Private duty nursing $5,000, accidental dental $2,000
What's not covered
- Pre-existing conditions not stable (90 days under 65, 180 days at 65+)
- Pregnancy near term, child born on trip
- High-risk activities, intoxication, self-inflicted injury
An air evacuation can run past $100,000. It shares the medical window, so past 10 days, or 4 days at 65 and over, there is no evacuation coverage.
Getting you home is part of the emergency medical benefit, listed as emergency return home and drawn from the same $2,000,000 pool. Return of remains is covered up to $5,000 and vehicle return up to $1,000. It runs on the medical rails: the 10-day window, 4 days at 65 and over, and you must call Global Excel before any transport is arranged.
What's covered
- Emergency return home within the $2,000,000 medical maximum
- Return of remains up to $5,000
- Vehicle return up to $1,000
What's not covered
- Anything excluded under emergency medical
- Transport arranged without pre-authorization
No trip interruption. This benefit is not included with this card. Costs from a trip cut short, like return flights and unused hotels, are out of pocket.
No trip delay benefit. This benefit is not included with this card. Meals, lodging, and transportation during a delay are the cardholder's responsibility.
No missed connection benefit. This benefit is not included with this card. Costs to rebook a missed connection are the cardholder's responsibility.
No standalone early return benefit. This card does not include a separate early-return-home coverage. Transportation costs to return early are the cardholder's responsibility.
The 6-hour trigger is longer than the 4 hours some cards use, and the $1,000 is shared with lost baggage.
Baggage delay reimburses essential purchases up to $1,000 per person when your checked bag is more than 6 hours late at your final destination. That limit is shared with the lost-baggage benefit, not on top of it. Buy essentials like clothing and toiletries within 96 hours and keep receipts. The ticket has to be paid in full with the card.
What's covered
- Up to $1,000 per covered person
- Essential clothing and toiletries
- Delay of more than 6 hours
What's not covered
- Expenses after the bag is returned
- Delays on the trip home
- Money, securities, tickets, documents
Paid in excess of the airline, so you claim the carrier first. The $1,000 is shared with baggage delay, not separate.
Lost baggage reimburses the replacement cost of personal property the airline does not cover, up to $1,000 per person, sharing that limit with baggage delay. It pays in excess of the common carrier and any other insurance, so the airline's liability comes first. Only checked baggage qualifies, and the ticket must be on the card.
What's covered
- Up to $1,000 per covered person
- Replacement cost not paid by the airline
- Excess of common carrier and other insurance
What's not covered
- Money, securities, tickets, documents
- Baggage not checked
- Items seized by customs
No common carrier travel accident coverage. This benefit is not included with this card. There is no lump-sum payment in the event of death or dismemberment on a covered trip.
No hotel burglary coverage. This benefit is not included with this card. Belongings stolen from a hotel room are the cardholder's responsibility.
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?
Coverage Radar
Where the TD Cash Back Visa Infinite wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Compare
Cash Back Visa InfiniteThis card2.4/5?
$120/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
$150 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the TD Cash Back Visa Infinite stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Cash Back Visa Infinite shoppers also consider.
| Card | This card Cash Back Visa Infinite TD · $120/yr 2.4/5? | Aeroplan Visa Infinite TD · $139/yr 4.0/5? | Rewards World Elite Mastercard BMO · $150/yr 4.3/5? | WestJet World Elite Mastercard RBC · $139/yr 4.1/5? |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | Not covered Cover this gap → | $1,500 per person All prepaid travel | $2,500 / person ($5,000 / account) $0 deductible | $1,500 per person Charged to card or WestJet dollars |
Emergency medical Hospital bills abroad | $2M / person (10 days, 4 at 65+) First 10 days (4 at 65+) | $2,000,000 Direct payment arranged | $2,000,000 (under 65, first 21 days) First 21 days only | Unlimited No dollar ceiling |
Emergency evacuation Air ambulance + repatriation | Included in medical Within $2M medical | Actual costs Air ambulance arranged | Actual cost (pre-authorization required) Pre-authorization required | Within medical Air ambulance pre-authorized |
Trip delay trigger Hours before benefits kick in | Not covered Cover this gap → | 4h / $500 4-hour delay threshold | $500 / account / trip (6h+ delay) Trigger: 6 hours | 4h / $500 $250 per day |
Rental CDW Primary or secondary | Primary, actual cash value Primary coverage | Primary / $65,000 MSRP Primary coverage | Up to $65,000 MSRP, primary Primary coverage | Primary / actual cash value Primary coverage |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Cardholder reviews
What cardholders say about the TD Cash Back Visa Infinite
A synthesis of public Canadian sources (Milesopedia, NerdWallet Canada, Finly Wealth, Reddit), paraphrased. Verify before publishing.
MT
Marc T.
Great for groceries and gas, decent extras
I picked this up mainly for the cash back on groceries and gas, and that part pays off. The insurance is a nice bonus I did not expect on a cash back card, especially the rental car and mobile coverage. I would not lean on it as my main travel policy though.
JL
Jennifer L.
No trip cancellation is the catch
Good everyday card, but do not assume it protects your trips. There is no trip cancellation or interruption, which caught me off guard for a Visa Infinite. For anything more than a short getaway I still buy separate travel insurance.
SB
Sophie B.
Short medical window for older travellers
The two million in medical sounds great until you read that it only covers the first ten days, and four days once you are 65. My parents could not rely on it for a longer trip. Fine for a quick trip when you are younger.
Emergency · Card assistance line
How to contact TD Cash Back Visa Infinite assistance?
Coverage through TD Life and TD Home & Auto, with Global Excel handling claims
Canada and US Assistance
1-866-374-1129
24/7
International Assistance
collect: +1-416-977-4425
Collect calls accepted · 24/7
Benefit administrator: TD Life and TD Home & Auto underwrite the coverage | Global Excel Management handles claims and assistance
Claims & pre-authorizations
How to file a TD Cash Back Visa Infinite claim
1
Call before you act
For a medical emergency, call Global Excel at 1-866-374-1129, or +1-416-977-4425 collect from abroad, before any treatment so they can coordinate care. Report a medical claim immediately, not after you return.
2
Mind each deadline
Each benefit has its own clock. A medical emergency must be reported right away, before treatment. Delayed and lost baggage claims allow 45 days from the date of the delay or loss, and a rental collision must be reported within 48 hours.
3
Submit your proof
File with Global Excel and keep originals: itemized medical bills, receipts for essential purchases, the written report from the airline, and proof the ticket or rental was charged to the card. Approved claims are paid within 60 days.
FAQ
What people ask about the TD Cash Back Visa Infinite
- The insurance is built into the TD Cash Back Visa Infinite, with no registration. Emergency medical applies automatically while you travel, but you must call Global Excel before any treatment, and it covers only the first 10 days of a trip, or 4 days at age 65 and over. For delayed and lost baggage, pay for your ticket in full with the card. For rental cars, decline the agency's collision damage waiver at the counter and charge the full rental to the card. There is no trip cancellation, interruption, or delay coverage to activate, because the card does not include those benefits.
- Coverage extends to the primary cardholder, their spouse, and dependent children, within each benefit's limits. For travel medical, insured persons must be residents of Canada with a valid government health plan for the trip. Dependent children must be unmarried and financially dependent, generally under 21, or under 25 if in school full time. One limit matters most: emergency medical lasts the first 10 consecutive days of a trip for travellers 64 and under, dropping to just 4 days at age 65 and over.
- It works as primary collision and loss damage coverage. Decline the rental agency's collision damage waiver (CDW) at the counter and charge the entire rental to the card, and the benefit pays the vehicle's actual cash value plus valid loss-of-use charges, without going through your personal auto insurance. Rentals up to 48 consecutive days qualify. Vehicles with an MSRP over $65,000, exotic and antique vehicles, trucks, and vehicles carrying more than 8 people are excluded, and you must report any damage within 48 hours by calling Global Excel.
- Claims go through Global Excel Management at 1-866-374-1129, or +1-416-977-4425 collect from abroad. Deadlines vary by benefit: a medical emergency must be reported immediately, before treatment, while delayed and lost baggage claims allow 45 days from the date of the delay or loss. Keep originals: itemized medical bills, receipts for essential purchases, the written report from the airline, and your card statement showing the ticket or rental was charged to the card. Approved claims are paid within 60 days, and a rental collision must be reported within 48 hours.
- The biggest gaps are whole benefits that are missing: there is no trip cancellation, no trip interruption, no flight or trip delay, and no common carrier travel accident coverage. Emergency medical is capped by time, lasting 10 days under age 65 and only 4 days at 65 and over, and it pays in excess of your provincial plan. Pre-existing conditions must be stable for the look-back period (90 days under 65, 180 days at 65 and over). Rental coverage excludes vehicles over $65,000 MSRP and exotics. There is no price protection, return protection, or identity theft coverage.
- For most trips, yes. The emergency medical limit is high at $2,000,000, but it lasts only the first 10 days of a trip, and just 4 days once you or your spouse turns 65. Your provincial plan pays almost nothing abroad, and there is no trip cancellation or interruption on this card either. If your trip runs longer than the covered window, you can apply to top up the medical coverage through Global Excel before you travel. For a short trip when you are under 65, the medical coverage is genuinely strong, but a standalone policy fills the cancellation and longer-trip gaps.
- Yes. Mobile device insurance covers a phone or tablet up to $1,000 against loss, theft and damage. The payout is the lesser of repair or replacement cost, capped at the device's depreciated value, which drops 2% a month from the purchase price, minus a deductible scaled to what you paid. To qualify, you must buy the device or pay your monthly wireless bill with the card. Coverage is limited to one claim per 12-month period across all your accounts.
- More than 6 hours at your final destination. Delayed baggage reimburses essential purchases such as clothing and toiletries, and lost baggage reimburses replacement cost, sharing a combined limit of $1,000 per person per trip. Essential-item purchases must be made within 96 hours of arrival, and the ticket must have been paid in full with the card. Coverage pays in excess of the airline, so report the delay or loss to the carrier first, keep all receipts, and note there is no coverage on the trip home.
Not just TD
Other cards worth considering
Cash Back Visa Infinite is a strong choice — but depending on what you prioritize, one of these may suit you better.
Rewards World Elite Mastercard
BMO
WestJet World Elite Mastercard
RBC
Aeroplan Reserve
American Express
Aeroplan Visa Infinite
CIBC
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