Understanding the Travel Benefits Your Credit Card Offers

How Credit Card Travel Benefits can help you

Travel prepared with the travel benefits on your TD credit card. Depending on the TD credit card, travel benefits could include:

  • Travel Medical Insurance1
  • Trip Cancellation / Trip Interruption Insurance2
  • Delayed and Lost Baggage Insurance3
  • Flight/Trip Delay Insurance3
  • Common Carrier Travel Accident Insurance4
  • Auto Rental Collision / Lost Damage Insurance5
  • Emergency Travel Assistance Services6
  • Hotel / Motel Burglary Insurance7

How do the travel benefits on my credit card work?

Credit card travel benefits can work in many ways. For example, they may:
  • Provide insurance for travel expenses
    Depending on the travel benefits included with your TD credit card, you may be insured for certain travel related expenses (i.e. car rentals) and you could also be insured in certain situations (i.e. medical emergencies).
  • Come with additional Travel Medical Insurance
    Timeframes vary depending on your age, the length of the trip and the type of credit card.
  • Make it easier to make a claim
    In the event of a claim, you’ll want to contact our claims administrator to initiate your claim. It helps to have all your receipts available during this process.

What coverage do I have with my credit card travel benefits?

Depending on the credit card you have, you could be eligible for a range of coverages, from trip cancellations, to lost baggage, to car rental accidents. Check your TD credit card travel insurance benefits here. It is important to read your certificate of insurance to understand which coverages you have with your credit card.
Travel Benefit
Travel Medical Insurance1
You have coverage for eligible medical emergency expenses without even having to charge the trip to your card.
Trip Cancellation/Trip Interruption Insurance2
You have coverage for up to $1500 per insured person for your trip.
Delayed and Lost Baggage Insurance3
If your baggage is lost or delayed, each insured person has coverage for the purchase of essentials, such as clothing and toiletries.
Flight/Trip Delay Insurance3
If your trip is delayed for over 4 hours, each insured person has coverage for the purchase of eligible food and accommodations.
Common Carrier Travel Accident Insurance4
Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train or auto rental).
Auto Rental Collision/Loss Damage Insurance5
You can get auto rental insurance coverage for collision, loss or damage for up to 48 consecutive days.
Emergency Travel Assistance Services6
Help is just a call away, with toll-free access to assistance in the event of a personal emergency while travelling.
Hotel/Motel Burglary Insurance7
Up to $2500 of coverage per occurrence for personal items stolen from your hotel/motel room, if charged to your card.

Benefits of having Credit card travel Insurance

There are a number of scenarios when having travel benefits on your credit card may be beneficial.

Your family vacation

It’s your first family trip, your flight’s been cancelled, and you’ve missed your connection. Fortunately, Trip Cancellation Insurance2 may provide coverage for the cost of your required hotel room.

Lost luggage? No worries.

Imagine finally being able to travel only to then lose your luggage. Thankfully, Delayed and Lost Baggage insurance3 can help cover a portion of the loss.

Your business trip

While driving to your annual sales meeting, you get into a minor collision and damage the rental vehicle. Thankfully, your Auto Rental Collision/Loss Damage Insurance5 could help you get back on your way.

How to get started


If you love to travel the world and experience new places and cultures, a TD® Aeroplan® Visa* Credit Card might be for you.

Travel Rewards

TD Travel Rewards Cards let you earn points on everyday purchases that can be redeemed for flights, hotels and much more.

Cash Back

Earn cash back on purchases, which can be redeemed whenever you want – for what is most essential to you.

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