No trip cancellation coverage on this card. You would need a standalone travel insurance policy to recover prepaid, non-refundable costs. A $5,000 non-refundable trip is entirely your loss if you have to cancel for illness, a death in the family, or any other reason.
TD Platinum Travel Visa benefits: which insurance protections actually hold up?
TD·CA$89/year·Visa Platinum·TD Life Insurance Company / TD Home and Auto Insurance Company
2,0/5Independent review · verified July 2026
1,1
4,1
3,0
Our Verdict · Travel Insurance
Our take on travel insurance for the TD Platinum Travel Visa
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
Here's the thing about the TD Platinum Travel Visa travel insurance: the word travel is doing a lot of work. There is no emergency medical coverage. None. No trip cancellation, no trip interruption either. What you actually get is the disruption stuff: flight or trip delay pays up to $500 after a 4 hour delay, delayed and lost baggage share a $1,000 limit per person, and common carrier travel accident runs to $500,000. Hotel or motel burglary adds up to $2,500. So if your bag is late in Lisbon or your flight sits on the tarmac for five hours, the card steps in. If you break an ankle in Lisbon, it does not, and your provincial health plan pays almost nothing abroad.<br><br><strong>Our take.</strong> The TD Platinum Travel Visa handles travel disruptions and everyday purchases well for an $89 card. For a medical emergency on a trip to <strong>the United States</strong>, though, it is not a substitute for a dedicated travel policy: it carries no emergency medical at all. A standalone travel medical plan covers that gap from a few dollars a day.
What works on travel
- $500 flight and trip delay after a 4 hour delay, covering meals, accommodation and ground transport
- $1,000 combined for delayed and lost baggage, per person per trip
- $500,000 common carrier travel accident coverage
- $2,500 hotel or motel burglary protection
Where travel breaks down
- No emergency medical insurance: every dollar of a hospital bill abroad is on you
- No trip cancellation and no trip interruption coverage
- Baggage and delay benefits are excess, paying only after the airline or other insurance
- Baggage delay does not apply on the trip home
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 Platinum Travel Visa Travel Insurance actually cover?
No trip cancellation. A cancelled non-refundable trip is fully out of pocket.
What's not covered
- Trip cancellation is not a benefit of this card
No emergency medical insurance. The assistance line arranges referrals only; you pay every bill.
No emergency medical coverage abroad. The card provides emergency travel assistance services (referrals and coordination only), not insurance, so all medical costs are yours. Provincial plans like OHIP or RAMQ pay almost nothing outside Canada, and a single ER visit abroad can run $10,000 to $80,000.
What's not covered
- Emergency medical treatment is not insured
- Hospitalization abroad is not insured
- Recreational skiing or snowboarding injuries are not covered (no medical benefit exists)
No medical evacuation coverage. Coordination only, no payment.
No emergency medical evacuation or repatriation benefit. The 24/7 assistance line can help coordinate care and transport, but it does not pay for it. An air evacuation from a remote area can exceed $100,000, and this card covers none of it.
What's not covered
- Medical evacuation costs are not insured
- Repatriation for medical reasons is not insured
No trip interruption coverage. If you have to cut a trip short for a covered emergency, the card will not reimburse the unused, non-refundable portion or the cost of a new ticket home. A standalone travel policy is the only way to cover this.
What's not covered
- Trip interruption is not a benefit of this card
Your flight gets delayed and the airline shrugs. After a 4 hour delay on a covered common carrier, this benefit pays up to $500 for reasonable meals, accommodation and additional ground transport while you wait. The trip fare must be charged to the card and/or paid with TD Rewards Points. It is excess coverage, so it pays after any airline vouchers or other insurance, and you have 90 days to file.
What's covered
- Reasonable meals during the delay
- Accommodation while delayed
- Additional ground transportation
What's not covered
- Delays under 4 hours
- Known or foreseeable delays at the time of booking
No standalone missed connection benefit. If a late inbound flight makes you miss a connection, the card does not cover the rebooking or the extra night. The flight or trip delay benefit only applies to a delayed departure of 4 hours or more, which is a different scenario.
What's not covered
- Missed connection is not a separate benefit on this card
No early return benefit. If a family emergency forces you home before your planned return, the card will not pay for the change fee or the new one-way fare. This is a feature of standalone travel insurance, not this card.
What's not covered
- Early return transportation is not a benefit of this card
Your checked bag does not arrive and you need clean clothes for the morning meeting. When your baggage is delayed more than 6 hours after you reach your final destination, the card reimburses essential clothing and toiletries up to $1,000 per person per trip. Buy the essentials before the bag is returned and within 96 hours of arrival, and keep every receipt. This limit is shared with lost baggage, and it does not apply on the trip home.
What's covered
- Essential clothing
- Essential toiletries
What's not covered
- Delays on the return trip home
- Money, securities, tickets and documents
- Delays under 6 hours
If the airline formally loses your checked bag, the card reimburses the replacement cost of the lost personal property, up to $1,000 per person per trip. This is excess insurance: it pays only what the carrier or other coverage does not. The $1,000 is shared with the baggage delay benefit, and money, securities, credit cards, tickets and documents are excluded.
What's covered
- Replacement cost of lost personal property
What's not covered
- Money, securities, credit cards, tickets and documents
- Amounts paid by the carrier or other insurance
Common carrier travel accident insurance pays a lump sum for accidental death or dismemberment (AD&D, a payout on death or loss of a limb) while you are riding, boarding or exiting a plane, train, bus or boat on a covered trip, up to $500,000. The trip fare must be charged to the card or paid with TD Rewards Points. Graded benefits apply for partial losses, and the certificate adds family transportation, repatriation of remains and rehabilitation amounts. It is a payout for a worst-case accident, not coverage you claim often.
What's covered
- Accidental death up to $500,000
- Dismemberment and paralysis (graded benefits)
- Family transportation $5,000, repatriation of remains $10,000, rehabilitation $10,000
What's not covered
- Accidents not involving a common carrier on a covered trip
- Self-inflicted injury, war, and aviation other than as a passenger
If your hotel or motel room is broken into, this benefit reimburses stolen personal property up to $2,500 per occurrence. At least 75% of the room cost must be charged to the card and/or paid with TD Rewards Points, and there must be evidence of forced entry. It applies in Canada and the U.S., it is excess coverage, and cash, cheques, securities, credit cards, tickets and documents are excluded. Notify the police immediately and the insurer within 45 days.
What's covered
- Theft of personal property from the room
What's not covered
- Cash, cheques, securities, credit cards, tickets and documents
- Stays outside Canada and the U.S.
- Theft without evidence of forced entry
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 Platinum Travel Visa wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Trip Delay: well above the market average
Baggage: well above the market average
Trip Cancel: not covered by this card
Medical: not covered by this card
Evacuation: not covered by this card
Compare
Platinum Travel VisaThis card2.0/5?
CA$89/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
CA$236 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the TD Platinum Travel Visa stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Platinum Travel Visa shoppers also consider.
| Card | This card Platinum Travel Visa TD · CA$89/yr 2.0/5? | Aeroplan Visa Infinite TD · CA$139/yr 4.0/5? | Rewards World Elite Mastercard BMO · CA$150/yr 4.3/5? | World Elite Mastercard ATB Financial · CA$120/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 | $1,000 / person (max $5,000 / trip) |
Emergency medical Hospital bills abroad | Not covered Cover this gap → | $2,000,000 Direct payment arranged | $2,000,000 (under 65, first 21 days) First 21 days only | $2,000,000 / person · ≤22 days · under 65 |
Emergency evacuation Air ambulance + repatriation | Not covered Cover this gap → | Actual costs Air ambulance arranged | Actual cost (pre-authorization required) Pre-authorization required | Included (within medical) |
Trip delay trigger Hours before benefits kick in | 4h / $500 4 hour delay trigger | 4h / $500 4-hour delay threshold | $500 / account / trip (6h+ delay) Trigger: 6 hours | $500 / trip ($250/day, up to 2 days) |
Trip interruption Covered amount | Not covered Cover this gap → | $5,000 per person All prepaid travel | $2,000 / person Up to $2,000 / person | $1,000 / person (max $5,000 / trip) |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Cardholder reviews
What cardholders say about the TD Platinum Travel Visa
Real user reviews from creditcardGenius (user rating 3.8/5 from 4 reviews) 4 reviews
CU
creditcardGenius user
Enjoy my travel trips with it
"I love it enjoying my travel trips with it."
CU
creditcardGenius user
No trip cancellation coverage
"I may cancel it as Travel cancellation is NOT included and not even mentioned as a 'be aware must know' caution."
MJ
Madhav Joshi (creditcardGenius)
Annual fee and hidden charges
"Worst card ever. I would never recommend this card to anyone. $89.00 annual fees and lots of other secret charges."
Emergency · Card assistance line
How to contact TD Platinum Travel Visa assistance?
Claims and emergency travel assistance are handled by Global Excel Management Inc.
Claims and emergency assistance (Canada and U.S.)
1-866-374-1129 (claims) / 1-800-871-8334 (emergency travel assistance)
Toll-free · 24/7
From outside Canada and the U.S. (collect)
+1-416-977-4425 (claims) / +1-416-977-8297 (emergency travel assistance)
Collect call · 24/7
Benefit administrator: Global Excel Management Inc.
Claims & pre-authorizations
How to file a claim
1
Call the administrator
Call Global Excel at 1-866-374-1129 from Canada or the U.S., or +1-416-977-4425 collect from elsewhere. For a travel emergency on the road, call the assistance line at 1-800-871-8334, or +1-416-977-8297 collect.
2
Report the incident
Report within 45 days. For baggage, file a report with the airline first and keep the written confirmation. For a rental claim, keep the rental agreement showing you declined the agency's collision waiver.
3
Gather your documents
Collect itemized receipts, your card statement showing the cost was charged to the card or paid with TD Rewards Points, and any police or carrier report.
4
Submit on time
Send the completed claim form and supporting documents within 90 days of the incident.
FAQ
What people ask about the TD Platinum Travel Visa
- The TD Platinum Travel Visa insurance is built in, with no separate registration. For flight or trip delay, baggage, hotel burglary and the travel accident benefit, you must charge the eligible cost to the card and/or pay with TD Rewards Points, and your account must be in good standing. For rental car coverage, decline the rental agency's collision damage waiver at the counter and charge the full rental to the card. There is no emergency medical coverage to activate: the card only offers emergency travel assistance services that coordinate care, not pay for it.
- Coverage applies to the primary cardholder, and several benefits extend to the spouse and dependent children, with the exact definition set per benefit in the Certificate of Insurance. The common carrier travel accident benefit, for example, defines graded amounts for the cardholder, spouse and children. The auto rental benefit covers the cardholder and any additional driver listed on the rental agreement. In every case the eligible cost must be charged to the card and/or paid with TD Rewards Points.
- The TD Platinum Travel Visa offers primary rental car coverage. Primary means you file directly with the benefit administrator, Global Excel, without going through your personal auto insurance first. To use it, decline the rental agency's collision damage waiver (CDW or LDW) at the counter and charge the full rental to the card. It pays up to the vehicle's actual cash value plus valid loss of use charges, for rentals of 48 consecutive days or less. Vehicles with an MSRP over $65,000, trucks, vans, motorcycles and exotics are excluded.
- Claims are handled by Global Excel Management Inc. Call 1-866-374-1129 from Canada or the U.S., or +1-416-977-4425 collect from elsewhere. For a travel emergency on the road, the assistance line is 1-800-871-8334, or +1-416-977-8297 collect. Report the incident within 45 days and submit your completed claim form with documents within 90 days. For baggage, report the loss to the airline first and keep the written report. For a rental claim, keep the agreement showing you declined the agency waiver and the repair invoice.
- The big gaps are medical and cancellation. There is no emergency medical insurance, no trip cancellation and no trip interruption, so a hospital bill abroad or a cancelled non-refundable trip is entirely your cost. The flight or trip delay and baggage benefits are excess and pay only after the airline or other insurance, and baggage delay does not apply on the trip home. Rental coverage excludes vehicles over $65,000 MSRP, trucks, vans and motorcycles, and there is no rental liability or roadside assistance. A 2.5% foreign currency conversion fee applies on purchases abroad.
- No. Despite the Travel name, the TD Platinum Travel Visa carries no emergency travel medical insurance. It provides emergency travel assistance services, a 24/7 line that can coordinate referrals and care, but it does not pay any medical bills. Your provincial health plan covers almost nothing outside Canada, so a single ER visit abroad, often $10,000 to $80,000, would be entirely out of pocket. Anyone travelling outside their province should pair this card with a standalone travel medical policy.
- Your flight or trip must be delayed 4 hours or more for an eligible cause, such as bad weather, equipment failure or an unforeseen strike. After that, the card pays up to $500 for reasonable meals, accommodation and additional ground transport while you wait. The trip fare must have been charged to the card and/or paid with TD Rewards Points. Keep all receipts, report within 45 days, and file within 90 days. It is excess coverage, so it pays after any airline vouchers or other insurance.
- Yes. Mobile device insurance covers a new phone or tablet up to $1,000 when at least 75% of the total cost is charged to the card. It covers loss, theft, mechanical breakdown and accidental damage, with a deductible of $25 to $100 by device cost. Coverage begins 30 days after purchase and lasts up to 2 years, the device value depreciates 2% for each completed month, and claims are limited to one per 12 months and two per 48 months. Report theft to police within 7 days and notify the administrator within 30 days.
- Not on its own. The card handles travel disruptions well: flight delay, baggage, a $500,000 travel accident benefit, plus a primary rental CDW and solid purchase protections. The problem is the two coverages that matter most abroad, since there is no emergency medical and no trip cancellation. Provincial plans pay almost nothing outside Canada, so anyone travelling internationally should add a standalone travel medical and cancellation policy. For domestic trips with refundable bookings, the card's coverage is closer to enough.
Not just TD
Other cards worth considering
Platinum Travel Visa is a strong choice — but depending on what you prioritize, one of these may suit you better.
Rewards World Elite Mastercard
BMO
World Elite Mastercard
ATB Financial
World Elite Mastercard
National Bank
WestJet World Elite Mastercard
RBC
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