USMeet My Insurance and Travel Needs with My Credit Card
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Travel Tips
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Emergency Travel Assistance
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Credit Protection
5 Helpful Travel Tips
If plan to use your TD Credit Card or Access Card while travelling, you no longer need to tell us you’ll be away from home. Our fraud detection systems can now better detect suspicious or unauthorized transactions. Before you travel, ensure your contact details are up to date.
Log in to EasyWeb Online banking and go to Profile & Setting to make your updates.
If you plan to make Cash Advances from your TD Credit Card Account through an ATM while you are travelling, it’s a good idea to confirm your daily ATM withdrawal limit for your TD Credit Card to ensure you can access the amount you need when you need it. To confirm your current daily ATM withdrawal limit, simply call us at 1-800-983-8472 (North America) or call collect at 416-307-7722 (outside of North America).
It’s also a good idea to ensure that your TD Credit Card PIN number is not longer than four digits, as some ATMs outside of North America may only accept four-digit PINS. Just visit any TD Canada Trust branch or TD Canada Trust ATM to change your PIN, if you need to.
It’s important to remember that any Cash Advances made on your TD Credit Card Account are subject to interest charges from the date of the transaction, as well as a Cash Advance transaction fee. See your Cardholder Agreement and Disclosure Statement for details on Cash Advances.
As a TD Visa Cardholder, you have access through the PLUS* network to over one million ATMs in over 200 countries worldwide.
http://www.visa.com/atmlocator/index.jsp
As a TD MasterCard Cardholder, you have access through the Cirrus* network to over one million ATMs in over 200 countries worldwide.
http://www.mastercard.ca/atm-locator.html
Some rental car companies in Europe require credit cardholders to provide written proof of vehicle rental insurance when using their credit card to rent a vehicle.
The eligible TD Credit Cards which include automatic vehicle rental insurance coverage when the rental is charged to their Card include, but are not limited to: TD First Class Travel Visa Infinite Cards, TD Cash Back Visa Infinite* Cards, TD Gold Elite Visa Cards, TD Platinum Travel Visa Cards, TD Business Travel Visa Cards, TD Business Visa Cards, TD U.S. Dollar Visa Cards, Aeroplan Visa Infinite Privilege Cards, Aeroplan Visa Infinite Cards, Aeroplan Visa Platinum Cards, and Aeroplan Visa Business Cards. To ensure your Card provides this coverage, please: TD Credit Cards
TD Credit Cardholders of these eligible Cards who require proof of this insurance coverage should contact TD Insurance before their trip so they can receive an email confirming vehicle rental insurance coverage as a feature of their Card that they can provide as proof to the car rental company if required. These eligible TD Credit Cardholders can request proof of insurance by calling TD Insurance at 1-800-880-6497. Hours of operation are Monday-Friday 8am-8pm EST, Saturday 12pm-6pm EST, Closed Sunday.
When travelling in the US, if you are purchasing gas and want to pay at the pump with your TD Credit Card, you may be prompted to enter your Zip Code. However, if you live in Canada you won’t have one! Don’t worry– here’s a quick trick that will help you make that purchase at the pump.
Simply take the three digits of your postal code (e.g., K2L 2K4 = 224) and then add two zeros (e.g., 22400) and you will be able to pay at the pump using your TD Credit Card.
With TD Aeroplan and TD Travel Credit Cards you enjoy access to valuable travel insurance benefits such as Emergency Travel Assistance Services, Delayed & Lost Baggage Insurance, Trip Interruption Insurance and Emergency Travel Medical Insurance. For more information on the travel insurance features and benefits associated with TD Aeroplan and TD Travel Credit Cards, please visit: TD Credit Cards
Emergency Travel Assistance
You and your loved ones can travel more comfortably knowing your Card can help protect you if personal emergencies arise while you’re travelling. Help is just a call away through Emergency Travel Assistance Service.
This service includes:
- Medical referrals, consultation, monitoring and transportation to another medical facility, or medical payment assistance
- Legal referrals and bail bond assistance
- Emergency cash transfers (up to your available credit limit)
- Assistance with replacement tickets and travel documents
Contact number for Emergency Travel Assistance Services
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Phone Number
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Credit Card
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1-800-871-8334 |
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1-866-374-1129 |
Travel Medical Insurance
Including Medical Emergency Coverage, Return Airfare, and Hospital Accommodations
Be ready for unforeseen circumstances
TD Balance Protection Plus1 and TD Balance Protection Insurance1 are two optional products designed to help you deal with your TD Credit Card(s) payment obligations in the event of a covered Involuntary Unemployment, Loss of Self-Employment Income, Total Disability, Loss of Life, Dismemberment or Critical Illness.
TD Balance Protection Insurance
- Maximum amount of Insurance: $25,000
- Monthly Premium Rate per $100 of average daily balance: $0.99 (plus taxes)
- At age 66, $0.59 (plus taxes)
One-time benefit payments to your credit card should you die, suffer a Dismemberment, Critical Illness (Acute Heart Attack, Cancer Life threatening or Stroke).
Monthly benefit of 5% of your eligible outstanding balance for the following coverages: Involuntary Unemployment, Loss of Self-Employment Income and Total Disability. If you are still eligible for benefits after 12 months, these coverages could make a lump sum payment to your TD Credit Card Account up to a maximum of $25,000.
View Certificate of Insurance
Distribution Guide (Quebec Residents)
Ready to enroll?
Call us 1-866-315-9069
TD Balance Protection Plus
- Maximum amount of Insurance: $25,000
- Monthly Premium Rate per $100 of average daily balance: $1.20 (plus taxes)
- At age 66, $0.59 (plus taxes)
One-time benefit payments to your credit card should you die, suffer a Dismemberment, Critical Illness (Acute Heart Attack, Cancer Life threatening or Stroke).
Monthly benefit of 10% of your eligible outstanding balance for the following coverages: Involuntary Unemployment, Loss of Self-Employment Income, Total Disability and Disability Requiring Hospitalization.
Includes spousal coverage for all coverages above, including Disability Requiring Hospitalization. Involuntary Unemployment and Loss of Self-Employment Income are excluded.
View Certificate of Insurance
Distribution Guide (Quebec Residents)
Ready to enrol?
Call us 1-866-315-9069
Who is eligible?
You may enrol if:
You are the Primary Cardholder of the TD Credit Card Account on which Balance Protection Insurance is available.
You are a Canadian resident
You are between the ages of 18 and 65
Please note: In addition, many coverages offered have individual eligibility requirements that are outlines in the Certificate of Insurance. If you choose to enrol in TD Balance Protection Plus, your spouse can also be covered for many of the benefits that are available to you as the Primary Cardholder and insured person named under the Certificate of Insurance.
What happens when I turn 66 years of age?
Once you reach the age of 66, all coverages will end and the Life coverage will be replaced with Accidental Death At 66. This coverage provides a one-time benefit payment to your TD Credit Card account should you experience an accidental death. You will also see a reduction in the cost of the insurance to $0.59 per $100 of your average daily balance, plus applicable taxes. These changes will take place automatically and will not require any action from you.
What if I become unemployed?
If you find yourself out of work, through no fault of your own, TD Balance Protection Insurance and TD Balance Protection Plus include an involuntary unemployment insurance coverage, which can pay a monthly benefit on your eligible outstanding balance as of your date of loss to a maximum of $25,000, to your TD Credit Card Account.
To help you get back on your feet, you may receive an additional monthly benefit payment after you return to work for a minimum of 25 hours or more per week for 30 consecutive days.
What if I am self-employed and become unemployed?
If your business is forced to close for financial reasons and you remain unemployed for more than 90 days, you may be entitled to receive a benefit. TD Balance Protection Plus and TD Balance Protection Insurance, include loss of self-employment income coverage, which can pay a monthly benefit on your eligible outstanding balance immediately before the date of the forced closure of your business for financial reasons to a maximum of $25,000, to your TD Credit Card Account.
To help you get back on your feet, you may receive an additional monthly benefit payment after you return to work for a minimum of 25 hours or more per week for 30 consecutive days.
What if I become disabled?
If you become disabled because of an accident or illness and you are unable to work, TD Balance Protection Plus and TD Balance Protection Insurance include total disability coverage, which can pay a monthly benefit on your eligible the outstanding balance as of your date of loss to a maximum of $25,000,to your TD Credit Card Account.
To help you get back on your feet, you may receive an additional monthly benefit payment after you return to work for a minimum of 25 hours or more per week for 30 consecutive days.
What if I am diagnosed with a critical illness, die or suffer dismemberment?
TD Balance Protection Plus and TD Balance Protection Insurance provides coverage:
Critical Illness- if you are diagnosed with a covered critical illness (for example, Acute Heart Attack, Stroke or Life-Threatening Cancer, as defined in the Certificate of Insurance) the outstanding balance of your TD Credit Card Account at the time of diagnosis can be paid in full, up to $25,000.
Life- if you were to die, the outstanding balance on your TD Credit Card Account at the time of death can be paid in full, up to a maximum of $25,000.
Dismemberment- if you suffer a covered dismemberment, the outstanding balance on your TD Credit Card Account at the time of the loss can also be paid in full, up to a maximum of $25,000.
Accidental Death at 66- at age 66, accidental death coverage begins and all other coverages end. If you experience an accidental death, the outstanding balance on your TD Credit Card Account at the time of death can be paid in full, up to a maximum of $25,000.
What if I am hospitalized?
If you are hospitalized for at least 24 hours, the disability requiring hospitalization coverage can pay one monthly benefit on your eligible outstanding balance to your TD Credit Card Account. If you are hospitalized for more than 30 consecutive days, this benefit can also pay the eligible outstanding balance, up to a maximum of $25,000, on your TD Credit Card Account.
What if I have a spouse?
Your spouse will be covered for all benefits available to you as the Primary Cardholder, except involuntary unemployment coverage and loss of self-employment income coverage. Your spouse does not have to be a cardholder, authorized user or even a TD customer to be covered. The definition of a spouse is the person who is lawfully married to you, or the person who has been living with you for at least one year and is publicly represented as your spouse.
Already enrolled for coverage?
Visit Benefitactivations.ca or call 1-866-315-9069
Cancel within 30 days of enrolment for a full refund.
By telephone
1-866-315-9069
By mail
Assurant Solutions
P.O. Box 7200
Kingston, Ontario
K7L 5V5
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