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Summer's here and so are travel plans

Get ready for your trip with travel insurance from TD Insurance.

Travel Insurance Plans from TD Insurance

Why it can be important to have travel insurance.

Travelling can be expensive enough on its own, but a medical emergency could cost you much more. It’s also important to note that your credit card might not include travel insurance or may have limited coverage. Whether you’re planning a trip for yourself or your entire family, TD Insurance Travel Insurance can help provide protection from certain unexpected events.

Explore TD Insurance Travel Insurance Plans

TD Insurance Multi-Trip All-Inclusive Plan

This is the most comprehensive plan we offer. It provides you with multiple benefits, including up to $5 million in emergency travel medical coverage, trip cancellation and interruption and more, for multiple covered trips up to the maximum trip duration selected within one year. 1

  Sample Insurance Policy - Multi-Trip All-Inclusive Plan

TD Insurance Single-Trip Medical Plan

This plan provides up to $5 million in emergency travel medical insurance coverage for one trip. 2

  Sample Insurance Policy - Single-Trip Medical Plan

TD Insurance Multi-Trip Medical Plan

If you travel often, then this multi-trip plan could be more cost-effective than buying a single-trip plan each time. This plan provides you with up to $5 million in emergency travel medical coverage for each covered trip up to the maximum trip duration selected within one year. 3

  Sample Insurance Policy - Multi-Trip Medical Plan

TD Insurance Trip Cancellation & Interruption Plan

This plan could be right for you if you do not need emergency medical coverage but want financial protection for eligible non-medical expenses like your trip being cancelled or interrupted due to a covered event. 4

  Sample Insurance Policy - Trip Cancellation & Interruption Plan

Compare plans

Please refer to the Sample Policy for defined terms and a full description of features, benefits, limitations and exclusions.

Ready to choose a plan?

Why choose td insurance travel insurance.

• Up to $5 million in emergency travel medical coverage Feel good about your next trip with medical coverage up to $5 million on eligible costs.
• 24/7 emergency assistance by phone worldwide Call our administrator anytime if you have an emergency during your trip.
• Travel medical coverage for dependent child(ren) included with two paying travellers On select plans that have the family coverage 5,6  option, your dependent child(ren)’s travel medical coverage is included at no additional charge.
• Convenient online quotes and claims servicing Available 24/7 when submitted online.

How to apply online

Get a quote in minutes

No obligation to purchase.

Decide whether you want to purchase

After reviewing the details, you can proceed to purchase.

Pay and submit

Review and confirm your purchase.

Submit a travel insurance claim

Start the claims process by visiting our  Online Claims Portal.

Let’s connect

Our administrator is ready to answer your questions and help you on your way.

• For 24/7 emergency assistance:  1-833-962-1140  (Canada and the U.S., toll free) or + 1-519-988-7629  (worldwide, collect).
• For quotes, to purchase a policy or any general inquiries:  1-833-962-1143 . Mon-Fri 8am to 8pm ET Saturday 9am to 5pm ET
• For claims:  1-833-962-1140 .

Check your TD credit card travel insurance benefits.

Are you an existing TD Credit Cardholder and dreaming of future travels? Learn about what travel insurance benefits are available on your TD credit card with our Credit Card Travel Insurance Verification Tool.

Information for Quebec Residents – TD and MBNA Credit Card Product Summaries

Below are the Travel Insurance Summaries and Credit Card Insurance Summaries for TD and MBNA credit cards. These summaries provide an overview of the features and benefits of the insurance coverages included with TD and MBNA credit cards.

TD Personal Credit Cards:

• TD Cash Back Visa Infinite *  Card Travel Insurance Summary      Credit Card Insurance Summary
• TD Cash Back Visa *  Card Credit Card Insurance Summary
• TD® Aeroplan® Visa Infinite *  Card Travel Insurance Summary      Credit Card Insurance Summary
• TD® Aeroplan® Visa Platinum *  Card Travel Insurance Summary      Credit Card Insurance Summary
• TD® Aeroplan® Visa Infinite *  Privilege Card Travel Insurance Summary      Credit Card Insurance Summary
• TD First Class Travel® Visa Infinite *  Card Travel Insurance Summary      Credit Card Insurance Summary
• TD Platinum Travel Visa *  Card Travel Insurance Summary      Credit Card Insurance Summary
• TD Rewards Visa *  Card Credit Card Insurance Summary
• TD Emerald Flex Rate Visa *  Card Credit Card Insurance Summary
• TD U.S. Dollar Visa *  Card Travel Insurance Summary      Credit Card Insurance Summary
• TD Low Rate Visa Card Credit Card Insurance Summary

TD Business Credit Cards:

• TD Business Travel Visa *  Card Travel Insurance Summary      Credit Card Insurance Summary
• TD Business Cash Back Visa *  Card Credit Card Insurance Summary
• TD Business Select Rate TM  Visa *  Card Credit Card Insurance Summary
• TD® Aeroplan® Visa Business Credit Card Travel Insurance Summary      Credit Card Insurance Summary

MBNA Credit Cards:

• MBNA Gold Mastercard® Travel Insurance Summary      Credit Card Insurance Summary
• MBNA Platinum Plus or True Line Mastercard® Credit Card Insurance Summary
• MBNA Rewards Platinum Plus® Mastercard® Credit Card Insurance Summary
• MBNA Rewards World Elite® Mastercard® Travel Insurance Summary      Credit Card Insurance Summary
• MBNA World Elite® Mastercard® Travel Insurance Summary      Credit Card Insurance Summary
• MBNA World Mastercard® Travel Insurance Summary      Credit Card Insurance Summary
• MBNA Platinum Plus® Mastercard® Travel Insurance Summary      Credit Card Insurance Summary

Other Products and Services You May Want To Consider For Your Trip

TD offers banking solutions, credit cards and competitive exchange rates for your travel needs. Explore our products to learn how TD can enhance your trip.

TD Travel Credit Cards

Earn travel reward points on everyday purchases to redeem for flights, hotels and more.

Foreign Exchange Services

We have over 50 foreign currencies available at competitive rates.

Cross Border Banking

Canadian-based U.S. dollar products with TD Canada Trust can help you avoid foreign exchange fees by allowing you to save and spend in U.S. dollars.

TD Insurance Travel Insurance plans (TD Insurance Multi-Trip All-Inclusive Plan, TD Insurance Single-Trip Medical Plan, TD Insurance Multi-Trip Medical Plan and TD Insurance Trip Cancellation & Interruption Plan) are individual insurance plans administered by Global Excel Management Inc. and its subsidiary, CanAm Insurance Services (2018) Ltd. TD Insurance Multi-Trip All-Inclusive Plan and TD Insurance Trip Cancellation & Interruption Plan are underwritten by TD Life Insurance Company (medical covered causes) and TD Home and Auto Insurance Company (non-medical covered causes). TD Insurance Single-Trip Medical Plan and TD Insurance Multi-Trip Medical Plan are underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services are provided by the administrator described in the insurance policies. Coverages and benefits are subject to eligibility conditions, limitations, and exclusions, including pre-existing medical condition exclusions. Please refer to the policy for full details. 1. The TD Insurance Multi-Trip All-Inclusive Plan will provide coverage for each covered trip taken within 1 year up to the maximum trip duration you selected when the policy was purchased. If the oldest person on the insurance policy is 15 days old to 59 years old, the maximum trip duration is 60 consecutive days. If you are 60 years and older, the available maximum trip durations are 22 or 30 consecutive days. Coverage may be subject to conditions, exclusions, and limitations. Refer to your Policy of Insurance for full details of coverage for the TD Insurance Multi-Trip All-Inclusive Plan. 2.Coverage may be subject to conditions, exclusions and limitations. Answering a Medical Questionnaire is required for those 60 years of age or older to determine eligibility for the TD Insurance Single-Trip Medical Plan. Refer to your Policy of Insurance for full details of coverage. 3. The TD Insurance Multi-Trip Medical Plan will provide emergency travel medical coverage for each covered trip taken within 1 year up to the maximum trip duration you selected when the policy was purchased. If the oldest person on the insurance policy is 15 days old to 79 years old, the available maximum trip durations are 4, 9, 16 or 30 consecutive days. If you are 80 years and older, the available maximum trip durations are 4, 9 or 16 consecutive days. Coverage may be subject to conditions, exclusions and limitations. Answering a Medical Questionnaire is required for those 60 years of age or older to determine eligibility for the TD Insurance Multi-Trip Medical Plan. Refer to your Policy of Insurance for full details of coverage. 4.Coverage may be subject to conditions, exclusions and limitations. Refer to your Policy of Insurance for full details of coverage for the TD Insurance Trip Cancellation & Interruption Plan. 5. The TD Insurance Multi-Trip All-Inclusive Plan has family coverage and provides coverage for you, your Spouse and unmarried Dependent Child(ren) if you name them in your application. Spouse means the person to whom you are legally married to; or the person you have lived for at least 1 year and publicly refers to as your domestic partner Dependent Child(ren) means your natural, adopted, or step-children who are: a) unmarried; and b) dependent on you for financial maintenance and support; and i. under 22 years of age, or ii. under 26 years of age and attending an institution of higher learning, full-time, in Canada; or iii. mentally or physically handicapped. All insured persons may travel independently of one another. All covered travellers must be a Canadian resident and be covered by the government health insurance plan of your Canadian province or territory of residence for the entire duration of your trip and at the time you incur a claim. If any of the travellers do not meet these criteria, that traveller will need to complete a separate application for their own policy. Up to 6 travellers including yourself are permitted to be under a policy through our online application. To purchase additional coverage for groups of more than 6 people, please call our administrator at  1-833-962-1143 . 6. Family Coverage is available on the TD Insurance Single-Trip Medical Plan and the TD Insurance Multi-Trip Medical Plan for you, your Spouse and unmarried Dependent Child(ren) if you name them in your application. Spouse means the person to whom you are legally married to; or the person you have lived for at least 1 year and publicly refers to as your domestic partner. Dependent Child(ren) means your natural, adopted, or step-children who are: c) unmarried; and d) dependent on you for financial maintenance and support; and i. under 22 years of age, or ii. under 26 years of age and attending an institution of higher learning, full-time, in Canada; or iii. mentally or physically handicapped. Your Dependent Child(ren) must be travelling with you or your spouse. All covered travellers must be a Canadian resident and be covered by the government health insurance plan of your Canadian province or territory of residence for the entire duration of your trip. Family Coverage is not available when a medical questionnaire is required for any of the travellers. If any of the travellers do not meet these criteria, that traveller will need to complete a separate application for their own policy. Up to 6 travellers including yourself are permitted to be under a policy through our online application. To purchase additional coverage for groups of more than 6 people, please call our administrator at  1-833-962-1143 . Mailing Address: TD Life Insurance Company P.O. Box 1 TD Centre Toronto, Ontario M5K 1A2 TD Home and Auto Insurance Company P.O. Box 1 TD Centre Toronto, Ontario M5K 1A2

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• Personal Finance

The TD First Class Travel Visa Infinite Card and its travel insurance benefits

Insurance Coverage

First, it is very important to read the most recent version of the TD First Class Travel Visa Infinite Card Benefits Coverage Guide .

They can change at any time and it is your responsibility to be aware of these insurance benefits .

If you have any questions, please contact TD Customer Service at 1-866-374-1129 . It is strongly recommended that you call them before booking travel with your card and before you leave on your trip.

Eligibility

Travel insurance coverage is only available to :

• Primary cardholder
• Spouse and dependent children of the primary cardholder
• Additional cardholder
• Spouse and dependent children of the additional holder

In addition, the card account must be in good standing . This means:

• The Primary Cardholder has not asked TD to close the Account
• TD has not suspended and revoked credit privileges or closed the account

Eligibility Tool

To make it easier to understand the insurance coverage of its credit cards, TD has put together an interactive tool on travel insurance . In 6 questions, you can quickly find out if you qualify or not, when you pay in full for the trip in cash.

TD First Class Travel Visa Infinite Card Description

Travel medical insurance.

The maximum benefit for emergency medical care is $2,000,000. To be eligible, you only need to have the card, as per the Eligibility section above. This includes the following inclusions:

• Hospitalization
• Physician’s fees
• Private nursing
• Diagnostic services
• Ambulance and air ambulance services
• Prescription drugs
• Accidental dental and emergency relief of dental pain
• Medical Appliances
• Emergency return home
• Transportation to the bedside and compensation for the bedside companion
• Compensation for the travel companion
• Meals and accommodation
• Incidental hospital expenses
• Vehicle return
• Repatriation of deceased
• Baggage return

Trip cancellation and trip interruption insurance

To receive the benefits of this insurance coverage, the full cost of your trip must be paid with your ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">TD First Class Travel ® Visa Infinite* Card and/or TD Rewards points.

A trip cancellation occurs before departure .

A trip interruption occurs on or after the departure date when the trip has begun .

Eligible reasons may be:

• The death of an insured person or an immediate family member
• A sudden, unexpected illness or accidental injury to a person or a member of his or her immediate family
• A natural disaster at the insured person’s principal residence
• Weather conditions during the trip

Common Carrier Travel Accident Insurance

To be eligible for this insurance, you must:

• Privileges under your account have not ceased or been suspended
• The account is not more than 90 days past due
• And the TD credit card must be in good standing

A common carrier is a land, air or water conveyance that is authorized to carry passengers for compensation. This can be a :

• Ferry or Cruise ship
• Bus or Train
• Cab or Limousine

If there is an accidental death or dismemberment, the maximum benefit is $500,000 .

Delayed and Lost Baggage Insurance

In order to benefit from this insurance, the credit card must have been used to pay 100% of the airfare .

Flight and travel delay insurance

To benefit from this insurance, at least 75% of the cost of your trip must be charged to the ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">TD First Class Travel ® Visa Infinite* Card .

The reason for the delay may be due to weather, an outage or a strike for example.

This flight or travel delay insurance can be up to $500 , for a delay of 4 hours or more .

Hotel/Motel Burglary Insurance

This is for hotel and motel reservations in Canada and the United States only. At least 75% of the total cost of the stay must be charged to the card. The use of TD Rewards points is also valid under certain conditions.

The maximum amount is $2,500 .

Collision and damage insurance for rental vehicles

• Pay for the car rental at the rental agency with the ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">TD First Class Travel ® Visa Infinite* Card MD (payment with TD Rewards points is accepted, under certain conditions).
• Refuse to purchase the Collision Damage Waiver (CDW ) or an equivalent coverage from the rental agency and have it written into the contract

The car rental covers up to 48 consecutive days and the manufacturer’s suggested retail price (MSRP) of the car must be under $65,000 . Some types of vehicles are not insured.

Purchase Assurance and Extended Warranty Protection

Purchase insurance covers items purchased with the ® Visa Infinite* Card" href="https://milesopedia.com/en/credit-cards/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">TD First Class Travel ® Visa Infinite* Card for 90 days from the date of purchase . If the item is lost, stolen or damaged, it will be replaced or repaired with this insurance.

Extended warranty protection extends the manufacturer’s warranty up to one year . It begins after the manufacturer’s warranty expires and the item must be purchased with the Card.

Mobile Device Insurance

Did your new smartphone or tablet have a major accident and stop working? Mobile device insurance can come to the rescue, up to a maximum of $1,000 in reimbursement!

To qualify, at least 75% of the total cost of the device must be charged to the TD First Class Travel Visa Infinite Card. Under certain conditions, insurance is also eligible if the total cost of the device is financed through a plan with monthly payments .

Emergency travel assistance services

It is not really an insurance, but rather a help to solve a problem during a trip in unknown land. They do not offer payment or refunds. They are more of a medical second opinion or will tell you what to do if you don’t know what to do when you are in total panic.

The phone number is 1-800-871-8334 for Canada or the United States. Or if you are in another country: 1-416-977-8297 (collect).

This phone line can be useful for the following situations:

• Medical consultation and follow-up
• Medical emergency travel and medical referrals
• Payment to medical service providers
• Assistance in case of lost luggage
• Legal assistance
• Replacement of lost tickets and documents
• Translation Services
• Emergency transfer of funds

What to do if you have an insurance claim with the TD First Class Travel Visa Infinite Card

You must call 1-866-374-1129 , within the time frame following the date the event occurred.

In summary, here are the various insurance coverages of the ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">TD First Class Travel ® Visa Infinite* Card :

Bottom Line

In addition to all this insurance to prevent inconvenience, the ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">TD First Class Travel ® Visa Infinite* Card has a very profitable welcome offer from TD Bank .

With all these points, you can afford to get a stay that will not cost much. This is in addition to his annual TD Travel Credit of $100 for Expedia for TD bookings of $500 or more.

To save on travel and insurance, this is a secret card to have in your wallet!

All posts by Caroline Tremblay

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TD Platinum Travel Visa* Card

Updated on: March 5, 2024

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15,000 TD Rewards Points† upon first purchase† 35,000 TD Rewards Points† upon spending $1,000 in the first three months† Total of up to 50,000 TD Rewards Points†

Interest rates:

20.99% purchase 22.99% cash advance (20.99% in Quebec) 22.99% balance transfer (20.99% in Quebec)

Earning rate:

6 TD Rewards Points† per dollar spent on eligible Expedia® for TD† 4.5 TD Rewards Points† per dollar spent on eligible groceries and dining† 3 TD Rewards Points† per dollar spent on eligible recurring bill payments set up on your account† 1.5 TD Rewards Points† per dollar spent on all other eligible purchases†

The TD Platinum Travel Visa *  Card is an entry-level credit card that lets you earn points in the bank's proprietary TD Rewards program. The TD Platinum Travel Visa* Card   is a card geared towards students, newcomers to Canada, or individuals with new or recovering credit files who want to build a strong relationship with TD while earning some travel rewards.

Bonuses & Fees

• 15,000 TD Rewards Points† upon first purchase †
• 35,000 TD Rewards Points† upon spending $1,000 in the first three months †

Earning Rewards

• 6 TD Rewards Points † per dollar spent on eligible Expedia ® for TD purchases †
• 4.5 TD Rewards Points † per dollar spent on eligible groceries and dining purchases †
• 3 TD Rewards Points † per dollar spent on eligible recurring bill payments set up on your account †
• 1.5 TD Rewards Points † per dollar spent on all other eligible purchases †

Redeeming Rewards

The best way to redeem TD Rewards Points is by booking travel through Expedia ® for TD, an online travel portal operated in partnership with Expedia ® . You can book flights, hotels, car rentals, vacation packages, and anything else that you would normally be able to book via Expedia ® . You'd apply your TD Rewards Points to the purchase at a rate of 200 points = $1, or 0.5 cents per point. If you'd rather not book through Expedia ® for TD, you can also redeem TD Rewards Points directly against any travel purchase that you purchase with your TD Platinum Travel Visa * Card. However, the rate isn't quite as competitive at 250 points = $1, or 0.4 cents per point. Redeeming for statement credits or gift cards is also possible, although the rate is even less appealing at 400 points = $1, or 0.25 cents per point. Generally speaking, you should always strive to redeem your TD Rewards Points for travel through Expedia ® for TD whenever possible, in order to maximize their value. TD Rewards Points never expire as long as you're a cardholder. If you cancel or switch your card to a different product, you'll have 90 days' time to redeem your TD Rewards Points before they go away, although you'll lose the ability to book through Expedia ® for TD for 0.5 cents per point, and you'll be limited to redeeming against any travel purchase for only 0.4 cents per point.

Perks & Benefits

The TD Platinum Travel Visa *  Card comes with car rental discounts at Avis and Budget: 10% in Canada or the US, and 5% internationally. †

Insurance Coverage

As an entry-level credit card, the TD Platinum Travel Visa *  Card offers a relatively basic set of insurance provisions. Emergency medical coverage, trip cancellation insurance, and trip interruption insurance are all noticeably absent. While flying, cardholders are covered for up to $500 in flight delay insurance† and an aggregate amount of $1,000 for lost, stolen, or delayed baggage. † The card’s car rental insurance grants coverage for rental vehicles up to $65,000 MSRP, protecting you against unexpected costs associated with collision, damage, and theft. † And when making purchases, the card offers extended warranty of up to one additional year†, as well as purchase protection that insures you against damage or theft of an item for up to 90 days after your purchase. † Lastly, it also comes with  Mobile Device Insurance.  By paying for your smartphone, tablet, or smartwatch using your TD Platinum Travel Visa Card, you’ll get coverage of up to $1,000 in the event your mobile device is lost, stolen, or accidentally damaged, for up to 24 months! †

† Terms and conditions apply.

† The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

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Home  /  Canadian Credit Cards  /  TD Travel Credit Cards in Canada  / TD First Class Travel® Visa Infinite* Card

TD Travel Credit Cards in Canada

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TD First Class Travel® Visa Infinite* Card

• Annual Fee $139
• Interest: Purchases 20.99%
• Interest: Cash Advances 22.99%
• Additional Cardholder 2 $50

$50  for the first Additional Cardholder; $0  for subsequent Additional Cardholders.

• $60,000 personal or $100,000 household annual income.
• You are a Canadian resident and are of the age of majority in your province/territory of residence

Limited Time Offer

Earn up to  $700  in value 18 , including up to 75,000 TD Rewards Points, no Annual Fee for the first year 1  and additional travel benefits. Conditions Apply. Account must be approved by September 3, 2024.

• Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card 1 .
• Earn 55,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening 1 .
• Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards Points 22 .
• Get an annual TD Travel Credit 23  of $100 when you book at Expedia ®  For TD.
• Get an Annual Fee Rebate for the first year 1 .  

To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by September 4, 2024.

At a glance

Earn TD Reward Points on all the things you normally do, whether you use your Card for groceries, dining, paying bills or booking travel. The rewards will add up quickly so you can enhance your travel experience or enjoy a wide variety of rewards.

Your Card also allows you to enjoy:

• An annual TD Travel Credit  23  of $100 when you book at Expedia ®  For TD.
• TD Rewards Birthday bonus 22  to celebrate your special day.
• An extensive suite of travel insurance coverages which helps you travel prepared.
• No travel blackouts 5 , no seat restrictions 5  and no expiry 25  for your TD Rewards Points as long as your account is open and in good standing.

Award winning TD Credit Card

Chosen as Best Credit Card for Travel Insurance by Prince of Travel in 2023 #1

Every Purchase Counts

Earn 8 TD Rewards Points 19

for every $1 you spend when you book travel through Expedia® For TD 6

Earn 6 TD Rewards Points

for every $1 you spend on Groceries and Restaurants 20

Earn 4 TD Rewards Points

for every $1 you spend on regularly recurring bill payments set up on your Account 20

Earn 2 TD Rewards Points

for every $1 you spend on other Purchases made using your Card 21  plus earn an annual  Birthday Bonus 22  of up to 10,000 TD Rewards Points

Recurring Bill Payments, Groceries and Restaurants (Yearly spend cap of $25,000 each)

† This chart is for illustrative purposes only. Welcome Bonus applies only in the first year.

†† Total TD Rewards Points and corresponding dollar value equivalent assumes no redemption of TD Rewards Points towards any travel purchases made during the year. Maximum dollar value of TD Rewards Points shown, only applies to TD Rewards Points redeemed for travel purchases charged to your Card and booked through Expedia For TD.

Credit Card Reward Perks

Use TD Rewards Points at Expedia For TD

Redeem your TD Rewards Points for your next trip at ExpediaForTD.com and get access to exclusive deals. Conditions apply.

Earn more at Starbucks

Link your eligible Card to earn 50% more TD Rewards Points and Stars. Redeem points for even more Stars. Conditions apply.

Use TD Rewards Points at Amazon.ca

Redeem your TD Rewards Points towards purchases at Amazon.ca with Amazon Shop with Points. Conditions apply.

Redeem your TD Rewards Points how you want, for what you want 

Every purchase you make with your TD Rewards Credit Card earns you TD Rewards Points. With the flexibility to choose how to redeem your TD Rewards Points for the rewards you want, you can use your points on everyday perks, eGift cards, education credits, cash credits or travel. Learn more .

More Card Benefits and Features

Td rewards program benefits.

TD First Class Travel Credit Card helps you earn big while you do all the things you normally do. And since you never slow down, the rewards can add up quickly. This lets you redeem for how and what you want with the flexibility to treat yourself with a wide variety of rewards options.

• Go Places on Points Your Points are worth more when you redeem through Expedia® For TD:  Search over a million flights, hotels, packages and more! When you’re ready to book, you can redeem 3  your TD Rewards Points towards your travel purchase right away. Or Book Any Way 3 :  You can also choose to book your trip through any other travel agency or website. This gives you the flexibility to use your TD Rewards Points towards all kinds of travel expenses – including excursions and taxes – within 90 days of your purchase.
• Shop online through TDRewards.com Redeem your TD Rewards Points for great deals on a wide selection of merchandise and gift cards.
• Financial Rewards Pay With Rewards:  Redeem TD Rewards Points to help pay down your credit card balance.

Travel Benefits

Explore the travel benefits and insurance coverages included with your Card:

• $100 TD Travel Credit 23 Each year, you will receive one  $100.00  TD Travel Credit on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD and posted to the Account in a calendar year.
• Travel Medical Insurance 7 Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
• Flight/Trip Delay Insurance 8 Up to $500 in coverage per insured person if your flight/trip is delayed for over 4 hours.
• Trip Cancellation/Trip Interruption Insurance 9 For Trip Cancellation, up to $1,500 of coverage per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption, up to $5,000 of coverage per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
• Common Carrier Travel Accident Insurance 10 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)
• Emergency Travel Assistance Services 11 Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling.
• Delayed and Lost Baggage Insurance 8 Up to $1,000 overall coverage per insured person toward the purchase of essentials such as clothes and toiletries if your baggage is delayed more than 6 hours or lost.
• Auto Rental Collision/Loss Damage Insurance 12 Coverage up to 48 consecutive days
• Check your TD credit card travel insurance benefits Learn about what travel insurance benefits are available on your TD credit card with our  Credit Card Travel Insurance Verification Tool .
• Hotel/Motel Burglary Insurance 24 Up to $2,500 of coverage per occurrence for eligible personal items stolen from your hotel or motel room that belong to each Cardholder on the Account and eligible family members travelling with the Cardholder.

Review the  Benefit Coverages Guide  for more details.

Additional Benefits & Features

• TD Payment Plans Easily turn purchases of $100 or more into manageable 6, 12 or 18 month Payment Plans. Conditions apply.  Learn more .
• Save with Avis Rent A Car and Budget Rent A Car Use your Canadian TD Credit Card to save a minimum of 10% off the lowest available base rates 13 , 14  in Canada and the U.S., and a minimum of 5% off the lowest available base rates 13 , 14  internationally, on qualifying car rentals at participating Avis and Budget locations.
• Use Apple Pay , Google Pay or Samsung Pay wherever contactless payments are accepted -  These Digital Wallets are accepted in a growing number of shops, restaurants, and other retailers, making it convenient and easy to use for everyday business payments with just a tap of your device.

Visa Infinite Benefits

• Complimentary Visa Infinite Concierge 26 : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card. Call toll-free from Canada and the U.S.: 1-888-853-4458 From outside Canada and the U.S.: 1-630-350-4545
• Visa Infinite Luxury Hotel Collection 27 : Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.
• Visa Infinite Dining Series 27 : As a Visa Infinite Cardholder, you have access to exclusive gourmet events that cater to your astute tastes. The Visa Infinite Dining Series serves up culinary explorations with prized chefs and acclaimed wines.
• Visa Infinite Wine Country Program 27 : Show your Visa Infinite card onsite and you can experience exclusive benefits at over 95 participating wineries in British Columbia, Ontario and Sonoma Valley including discounts on wine purchases, complimentary tastings, private vineyard tours and much more.
• Visa Infinite Entertainment Access 27 : Get exclusive access to tickets to curated events across Canada throughout the year. Visa Infinite Cardholders can also enjoy exclusive benefits, access and offers for the Toronto International Film Festival ®
• Visa Infinite Troon Golf 27 : Receive elevated Troon Rewards ®  Silver Status at over 95 courses and 10% off on green fees, merchandise and lessons at participating Troon Rewards golf courses.
• Mobile Device Insurance 24 Up to $1,000 of coverage in the event of loss, theft, accidental damage, or mechanical breakdown for eligible mobile devices.
• Chip & PIN technology: TD  Visa *  Cards with Chip and PIN technology provide an added level of security through the use of a Personal Identification Number (PIN). A required PIN makes it much more difficult for unauthorized users to copy or access the information on your TD Credit Card.
• Purchase Security and Extended Warranty Protection 15 : You automatically have access to Purchase Security and Extended Warranty Protection, covering most eligible new items you’ve purchased with your Canadian Credit Card, should they be stolen or damaged within 90 days of purchase. If the item comes with a manufacturer's warranty valid in Canada, you may be entitled to double the warranty period for up to 12 additional months.
• Visa Secure* Visa Secure provides you with increased security and convenience when you shop online.
• Instant Alerts. Added convenience, with TD Fraud Alerts: You can now automatically receive TD Fraud Alerts to your mobile phone any time we suspect suspicious activity on your TD First Class Travel ® Visa  Infinite * Card, or on any Additional Cardholder's card on your Account. Simply ensure that we have your current mobile phone number listed in your TD Customer Profile.  Learn more .
• Manage your credit card in the TD app Set transaction limits, block international purchases or lock your credit card.  Learn more .

Optional Benefits

• Optional TD Credit Card Payment Protection Plan 17 : Optional TD Credit Card Payment Protection Plan is designed to help you deal with your TD Credit Card payment obligations in the event of a covered Job Loss, Total Disability or loss of Life. To learn more about optional TD Credit Card Payment Protection Plan products, call  1-866-315-9069  or visit  tdcanadatrust.com/BP .
• Option to purchase TD Auto Club Membership 16  and be covered 24 hours a day for emergency roadside assistance services in case something goes wrong when you are out on the road.

Frequently asked questions

Why should you get a travel rewards credit card.

Do you love to travel? Then a travel rewards card may be perfect for you. These credit cards offer cardholders great value with travel Reward Points earned on eligible purchases that can later be redeemed to pay for flights and other travel related expenses. But, that’s just the start. The TD First Class Travel Visa Infinite* Card also lets you redeem TD Rewards Points on Amazon.ca with Shop with Points.

How do you earn TD Rewards Points?

Earn Points on your TD First Class Travel Visa Infinite Card with travel bookings, a meal at a restaurant, shopping and on everyday purchases. You can get started with welcome bonus TD Rewards Points if approved for this Card. In addition to earning 2 TD Rewards Points on every purchase, you can use this travel rewards card to make travel purchases through Expedia ®  for TD to earn 8 TD Rewards Points for each dollar spent. You can also earn 6 TD Rewards Points each for every dollar spent on grocery and restaurant purchases and earn 4 TD Rewards Points for every dollar spent in recurring bill payments. Your TD Rewards Points don’t expire as long as you are a TD First Class Travel Visa Infinite *  Cardholder.

How do you redeem TD Rewards Points?

Redeem your TD Rewards Points to book your next trip, for shopping and more. You can redeem your TD Rewards Points when you book travel online through Expedia for TD. This can help to make your travel more affordable. You can also use your TD First Class Travel Visa Infinite Card to book travel with any other travel provider. For shopping, you can redeem your TD Rewards Points for eligible products on Amazon.ca with Amazon Shop with Points or choose merchandise on TDRewards.com. You can also redeem TD Rewards Points to pay your credit card’s account balance on the TD app or EasyWeb.

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Annual interest rates, fees and features are current as of June 4, 2024 unless otherwise indicated and subject to change.

• $189: Annual Fee Rebate for the Primary ($139) and first Additional Cardholder ($50) for the first year;
• $100: TD Travel Credit on your first Eligible Travel Credit Purchase of $500 or more made through Expedia For TD;
• $50: TD Rewards Birthday Bonus equal to 10% of the number of TD Rewards Points earned while using the TD First Class Travel Visa Infinite* card over the 12 months preceding the Primary Cardholder’s birthday, up to a maximum of 10,000 TD Rewards Points (travel value at Expedia For TD of up to $50). Previously earned points on other Rewards Cards, Acquisition Bonus Points, or other Promotional Rewards Points earned do not count towards your Birthday Bonus;
• Welcome Bonus of 20,000 TD Rewards Points earned when you make your first Purchase with your Card (travel value at Expedia For TD of $100);
• Additional Bonus of 55,000 TD Rewards Points earned when you spend $5,000 within 180 days of Account opening (travel value at Expedia For TD of $275);

2  Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder.

3  TD Rewards Points must be redeemed in minimum 200-point increments for travel Purchases charged to your Card that are booked online or by phone through Expedia For TD. For travel Purchases charged to your Card that are not booked through Expedia For TD, TD Rewards Points must be redeemed in minimum increments of 200 or 250 TD Rewards Points as fully explained in the TD Travel Rewards Program Terms and Conditions ("Travel Terms") contained in the TD Travel Credit Cardholder Agreement for your Card. The Travel Terms are available on tdcanadatrust.com/agreements. We can decrease the required minimum TD Point redemption increment at any time. To redeem TD Rewards Points for travel Purchases charged to your Card that are not booked through Expedia For TD, Cardholder must contact the TD Travel Rewards Program or visit www.tdrewards.com after the travel Purchase has been posted to the Account and within 90 days from the transaction date of the travel Purchase. The required TD Rewards Points will be redeemed from the TD Rewards Points balance available at the time the TD Rewards Points are redeemed for the travel Purchase, not the transaction date of the travel Purchase. The amount that will be credited toward the travel Purchase will be equal to the value of the TD Rewards Points redeemed. If there are insufficient TD Rewards Points available to cover the entire amount of the travel Purchase, the Account will only be credited by the value of the TD Rewards Points redeemed. Any amount of the travel Purchase not covered by the TD Rewards Points redeemed will remain on the Account for payment.

4  The Toronto-Dominion Bank and its affiliates are not liable or responsible for the products, goods or services offered or made available by third party retailers through tdrewards.com.

5  Subject to carrier/space availability.

6  Expedia For TD is operated by Expedia, Inc. at  ExpediaForTD.com and 1-877-222-6492 . The Toronto-Dominion Bank and its affiliates are not responsible for any of the services and products offered/provided by Expedia, Inc.

7  Underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. The day of departure from and the day of return to your province or territory of residence each count as one full day. 21-day coverage if you're under 65 and 4-day coverage if you're 65 or older. Note that this insurance offers different benefits, with different terms and conditions, than the optional Travel Medical Insurance that may be medically underwritten and is available to all TD customers, which you may be eligible to top-up with.

8  Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, at least 75% of your trip cost must be paid for using your TD Credit Card and/or associated TD Reward Points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

9  Underwritten by TD Life Insurance Company (for medical covered causes) and TD Home and Auto Insurance Company (for non-medical covered causes). To be eligible for this insurance, your trip must be paid for in full using your TD Credit Card and/or TD Rewards Points. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions, than the optional Trip Cancellation and Trip Interruption Insurance that is available to all TD customers.

10  Underwritten by TD Life Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card and/or TD Rewards Points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

11  Provided by our Administrator under a service agreement with TD Life Insurance Company. This is not an insurance benefit but assistance services only.

12  Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card and/or associated TD Rewards Points, cannot exceed 48 consecutive days and the rental agency's Collision Damage Waiver coverage must be declined by the Cardholder. Refer to Auto Rental Collision/Loss Damage Insurance section of your TD Credit Cardholder Agreement for rental exclusions and further details.

13  Provided by Avis Rent A Car System ULC. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate refers to time and kilometer/mile charges only. Taxes, fees and surcharges are extra. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Avis Rent A Car System ULC.

14  Provided by Budget Rent A Car System, Inc. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate refers to time and kilometer/mile charges only. Taxes, fees and surcharges are extra. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Budget Rent A Car System, Inc.

15  Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, the item must be paid for in full using your TD Credit Card. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

16  TD Auto Club is provided by an independent third party service provider. The Toronto-Dominion Bank and its affiliates accept no responsibility or liability in respect of these services. Further details about the third party service provider can be found in your Membership Handbook at td.com/autoclub .

17  Life coverage is underwritten by American Bankers Life Assurance Company of Florida and Job Loss and Total Disability coverages are underwritten by American Bankers Insurance Company of Florida. The Toronto-Dominion Bank receives a fee from each insurer with respect to premium collection. Complete terms of coverage are in the Certificate of Insurance you will receive upon enrollment. Eligibility requirements, limitations and exclusions apply, and vary by benefit.

19  Earn 8 TD Rewards Points for every $1 in Purchases of travel made online through Expedia For TD or travel made by phone through Expedia For TD (“Phone Travel Purchases”) (“Online Travel Purchases”) and charged to your TD First Class Travel® Visa Infinite* Card Account (“Account”). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Online Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

20  Earn 6 TD Rewards Points ( “Grocery Rebate" & "Restaurant Rebate” ) for every $1 in Purchases of groceries or grocery items (“ Grocery Purchases” ) and for every $1 in Purchases at restaurants including fast food restaurants (“ Restaurant Purchases ”). Earn 4 TD Rewards Points (“ PAP Rebate ”) on each $1 in payments made on a monthly or other regularly recurring basis for merchant bills, including insurance premiums, magazine/newspaper/online streaming subscriptions, membership fees and telecommunication fees, that are set up by the merchant with your consent to be automatically charged to your TD First Class Travel® Visa Infinite* Card (“ Account ”) and that are classified through the Visa network as “recurring payments” (“ Pre-Authorized Payments ”). Rebates are only available to a $25,000 maximum net annual spend (“ $25,000 Cap ”).  $25,000 Cap : Once the $25,000 Cap has been reached for either Grocery Purchases, Restaurant Purchases, or Pre-Authorized Payments then any further Grocery Purchases, Restaurant Purchases, or Pre-Authorized Payments made on the Account will earn TD Rewards Points at the standard rebate rate of 2 TD Rewards Point that applies to all other Purchases on the Account as set out in your TD Rewards Program Terms & Conditions (“ Standard Rebate ”).  Applicability of Grocery Rebate and Restaurant Rebate : Each of the Grocery Rebate and the Restaurant Rebate is in place of, and not in addition to, the Standard Rebate.  Merchant Category Codes : To earn the Grocery Rebate and/or the Restaurant Rebate, the Grocery Purchases and/or Restaurant Purchases must be made at merchants classified through the Visa network with a Merchant Category Code (“ MCC ”) that identifies them in the “grocery”, “restaurant” or “fast food” category. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472.  Other Conditions : Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

21  Earn 2 TD Rewards Point (“Standard Rebate”) on every $1 on all other Purchases (“Other Purchases”) charged to your TD First Class Travel® Visa Infinite* Card Account (“Account”). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

22  The TD Rewards Birthday Bonus applies only to the Primary Cardholder of a TD First Class Travel® Visa Infinite*Card. Each year, you will receive a TD Rewards Birthday Bonus (“Birthday Bonus”) on your TD First Class Travel® Visa Infinite* Account, equal to 10% of the total number of TD Rewards Points earned over the 12 months preceding the Primary Cardholder’s birthday, to a maximum Birthday Bonus of 10,000 TD Rewards Points. The TD Birthday Bonus is only calculated on points earned while using your current First Class Travel Account. This means that previously earned points on other Rewards Cards, Acquisition Bonus Points, or other Promotional Rewards Points earned do no count towards your Birthday Bonus. The account must be open & in good standing on the date points are awarded to qualify.

23  In order to receive the TD Travel Credit, the Account must be open, active and in Good Standing. An Eligible Travel Credit Purchase means:

• A Hotel, Motel, Lodging, or Vacation Rental Purchase of $500.00 CAD or more made with Expedia For TD; or • A Vacation Package Purchase of $500.00 CAD or more made with Expedia For TD, that includes a Hotel, Motel, Lodging or Vacation Rental booking packaged with a transportation booking. See your TD Rewards Program Terms and Conditions for more details.

24  Insurance coverages are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy TD102022. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. ABIC, its subsidiaries, and affiliates carry on business in Canada under the trade name of Assurant®.

®Assurant is a registered trademark of Assurant, Inc.

25  TD Reward Points do not expire as long as you are a Cardholder.

26  The goods and services Cardholders request or otherwise choose to obtain through the Visa Infinite Concierge Service are provided by various third-party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about and assumes no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite Concierge. Neither Visa nor TD are responsible for any claims or damages arising from the use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of Cardholders’ requests in all instances. There is no fee for the Concierge’s services; however, Cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the Cardholder and purchased by the Visa Infinite Concierge on the Cardholder’s behalf. All costs will be charged directly to the Cardholder’s Visa Infinite card.

27  You must be an eligible Visa Infinite Cardholder with a valid Canada-issued Visa Infinite Card to take advantage of the Visa Infinite benefits and services. Certain benefits and services require enrollment. Offers and benefits are non-transferable, and discounts cannot be combined with any other offer or discount. Neither Visa nor the Issuer of the Card are responsible for any claims or damages arising from the use of any benefits or services provided by a third party. Visa reserves the right to modify or cancel offers or benefits at any time and without notice. All offers, benefits and services made available through Visa are subject to  complete terms and conditions , including third-party suppliers’ terms and conditions. The  Visa Infinite privacy policy  applies to all benefits and services that require enrollment through, or are otherwise provided by, the Visa Infinite Concierge or the Visa Infinite website. The collection use and disclosure of Cardholders’ personal information by third-party suppliers of services and benefits to Visa Infinite Cardholders are subject to such third parties’ own privacy policies.

#1 Awarded on December 29, 2023, by Prince of Travel. Learn more by visiting: https://www.princeoftravel.com/about/winners-of-the-2023-prince-of-travel-awards/

® The TD logo and other trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.

* Trademark of Visa International Service Association; Used under license.

© 2023 Expedia, Inc., an Expedia Group company. All rights reserved. Expedia and the Airplane Logo are trademarks or registered trademarks of Expedia, Inc.

Starbucks, the Starbucks logo, and other Starbucks trademarks, service marks, graphics, and logos used in connection with the Offer are trade names, trademarks or registered trademarks of Starbucks Corporation (collectively  “Starbucks Marks” ).

If you exceed your annual spend cap, you'll continue to earn TD Rewards Points at the standard base earn rate on all additional purchases made in that category.

• Credit Cards
• Best Credit Cards for Travel Insurance in Canada

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First , we provide paid placements to advertisers to present their offers. The payments we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market.

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Best Credit Cards For Travel Insurance In Canada 2024

Updated: Aug 1, 2024, 10:18am

Travel insurance credit cards are the best way to avoid surprise costs during a trip. Forbes Advisor Canada experts ranked the best credit cards for travel insurance in Canada based on insurance benefits, available coverage, rewards value and other related data points.

Bonus Points: Every credit card on this list includes at least emergency medical coverage and travel accident coverage.

Featured Partners

Best credit cards for travel insurance in canada 2024.

• TD Aeroplan Visa Infinite Privilege Card

CIBC Aventura Visa Infinite Privilege Card

Cibc aeroplan visa infinite privilege card, scotiabank platinum amex card, bmo air miles world elite mastercard, scotiabank gold amex, national bank world elite mastercard, national bank world mastercard.

• American Express Cobalt
• SimplyCash Preferred from American Express

Here’s a Summary of Best Travel Insurance Credit Cards

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• Best Credit Cards
• Best Travel Credit Cards
• Best Cash Back Credit Cards
• Best No Foreign Transaction Fee Credit Cards
• Best Airport Lounge Access Credit Cards

TD® Aeroplan® Visa Infinite Privilege* Card

On TD’s Website

Welcome Bonus

Up to $2,700 in value† including up to 75,000 Aeroplan points†

Regular APR (Purchases) / Regular APR (Cash Advances)

20.99% / 22.99%

American Express Cobalt® Card

On American Express’s Secure Website

Up to 15,000 Membership Rewards points

$155.88 ($12.99 per month)

Regular APR

MBNA True Line® Mastercard®

On MBNA’s Website

12.99% / 24.99%

True to its name, the TD Aeroplan Visa Infinite Privilege Card is exclusive and expensive, but brings to bear a broad array of perks and benefits, along with a surprisingly accessible credit score threshold.

• Extensive travel perks, insurance and consumer protections
• Low credit score threshold for such a powerful card
• The most expensive annual fee on the list
• Requires minimum personal income of $150,000 a year or $200,000 in annual household income
• Earn up to $2,700 in value† including up to 75,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions Apply. Account must be approved by September 3, 2024.
• Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†
• Earn an additional 25,000 Aeroplan points when you spend $12,000 within 180 days of Account opening†
• Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†
• Enroll for NEXUS and once every 48 months get an application fee rebate†.
• Share first free checked bags with up to 8 travel companions† and get unlimited access to Maple Leaf Lounges†, including complementary access for one guest.
• Plus, primary card holders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†.
• This offer is not available to residents of Quebec.
• †Terms and conditions apply.

80,000 Aventura Points

Customers can use this travel insurance credit card to squeeze more value out of Aventura Points with exclusive business class bookings, annual travel credits and Visa Infinite benefits.

• $200 annual travel credit.
• 2 NEXUS application fee rebates ($50 each).
• Highest earn rate is limited to CIBC Rewards Centre travel purchases.
• Annual fee rebates are only available for select CIBC accounts.
• Welcome bonus of 80,000 Aventura Points (50,000 points after spending $3,000 in the first four months and 30,000 points as an anniversary bonus).
• 3 points per dollar on travel purchased through the CIBC Rewards Centre.
• 2 points per dollar on dining, entertainment, transportation, gas, electric vehicle charging and groceries ($200,000 annual limit).
• 1.25 points per dollar on everyday purchases.
• Forbes Advisor estimates a rewards value of $671.72 in net annual earnings based on average Canadian spending, with the annual fee factored in.
• Emergency medical coverage: $5 million for 31 days (10 days for ages 65 and older).
• Common carrier/travel accident insurance: $500,000.
• Trip cancellation: $2,500 per person ($10,000 per account).
• Trip interruption: $5,000 per person ($25,000 per account).
• Flight delay: $500 per person ($1,000 per account).
• Lost/stolen baggage: $1,000 per person ($2,500 per account).
• Delayed baggage: $500 per person ($1,000 per account).
• Hotel/motel burglary insurance: $2,500 per occurrence.
• Car rental collision loss/damage: $85,000 for 48 days to cover rental car damage, loss or theft.

90,000 Aeroplan Points

This card boasts lucrative Aeroplan rewards, priority airport services, free checked bags and other benefits on top of comprehensive travel insurance.

• Priority services for Air Canada flights.
• Discounts on flights booked with points.
• $149 annual fee for each additional card.
• Companion pass requires $25,000 in net annual spending.
• Welcome bonus of 90,000 Aeroplan Points (20,000 points for the first purchase, 40,000 after four months of spending $3,000 in total purchases and 30,000 points as an anniversary bonus).
• 2 points per dollar on Aeroplan purchases.
• 1.5 points per dollar on gas, groceries, electric car charging, travel and dining ($100,000 annual limit).
• 1.25 points per dollar on other card charges.
• Forbes Advisor estimates a rewards value of $170 in net annual earnings based on average Canadian spending, with the annual fee factored in.

60,000 Scene Points

Every purchase earns a flat rate of 2 points per dollar while saving cardholders 2.5% on foreign transactions, including online shopping when travelling abroad.

Learn more: Scotiabank Platinum American Express Card

• No foreign transaction fees.
• 10 annual airport lounge passes.
• $10,000 minimum credit limit.
• Travel redemptions must be booked through Scene+ Travel.
• Welcome bonus of 60,000 Scene Points (50,000 points for $3,000 in eligible purchases within 90 days and 10,000 bonus points after spending $10,000 in the first 14 months).
• 2 points per dollar on all purchases.
• Forbes Advisor estimates a rewards value of $159.83 in net annual earnings based on average Canadian spending, with the annual fee factored in.
• Emergency medical coverage: $2 million for 31 days (10 days for ages 65 and older).
• Flight delay: $1,000 per person.
• Lost/stolen baggage: $1,000 per account.
• Delayed baggage: $1,000 per account.
• Hotel/motel burglary insurance: $1,000 per trip.
• Car rental collision loss/damage: $65,000 for 48 days to cover rental car damage, loss or theft.

BMO AIR MILES®† World Elite®* Mastercard®*

2,000 Air Miles

(waived in the first year)

Air Miles collectors can earn higher returns on everyday purchases and save 25% on Miles for one round-trip flight redemption every year, among other travel bonuses.

Learn more:  Read our BMO Air Miles World Elite Mastercard Review

• Save 25% on Miles for one annual flight redemption.
• Discounts on airport lounge access.
• $500 monthly limit on grocery rewards.
• No medical insurance for cardholders older than 65.
• Welcome bonus of 2,000 Air Miles for spending $3,000 during the first three months.
• 3 Miles for every $12 spent at participating Air Miles partners.
• 2 Miles for every $12 spent on groceries (up to $500 per month).
• 1 Mile for every $12 in eligible purchases.
• Collect points twice on purchases from Air Miles partners.
• Forbes Advisor estimates a rewards value of $188.63 in net annual earnings based on average Canadian spending, with the annual fee factored in.
• Emergency medical coverage: $2 million for 15 days (no coverage for ages 65 and older).
• Trip cancellation: $2,500 per person ($5,000 per account).
• Trip interruption: $2,000 per person.
• Flight delay: $1,000 per account.
• Lost/stolen baggage: $750 per person ($2,000 per account).
• Delayed baggage: $200 per person.
• Hotel/motel burglary insurance: None.
• Car rental collision loss/damage: $65,000 for 48 days to cover rental car damage, loss or theft and $2,000 for personal effects ($1,000 per person).

Scotiabank Gold American Express® Card

Up to 45,000 Scene+ points

$120 (waived in the first year)

The Scotiabank Gold American Express   offers just about every travel insurance coverage you could want on a trip. Plus, it even earning 6 Scene+ points per dollar at select grocery stores, which can help fund your travels before you know it.

• Preferred pricing on airport lounge membership.
• $50,000 annual limit on accelerated earn rates.
• $5,000 minimum credit limit.
• Earn up to $950* in value in the first 12 months, including up to 45,000 bonus Scene+ points
• Earn 6x Scene+ points on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more
• Earn 5x Scene+ points for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.
• Earn 5x Scene+ points for every $1 you spend in Canada eligible entertainment purposes. Includes movies, theatre and ticket agencies stores.
• Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more
• Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible select streaming sevices
• Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
• No Foreign Transaction Fee
• Comprehensive Travel Insurance coverage
• AMEX Offers®
• AMEX Front of the Line®
• American Express Invites®
• Complimentary Concierge Services

Aside from a few holes in the travel insurance package, this card delivers a solid rewards program and unlimited access to the National Bank Lounge at Montréal-Trudeau Airport.

Learn more: Read our full National Bank World Elite Mastercard review

• Medical insurance for cardholders over age 65.
• $150 annual refund on travel expenses.
• No travel accident insurance.
• No hotel/motel burglary insurance.
• 5 points per dollar on groceries and restaurants (2 points after $2,500 in total monthly charges).
• 2 points per dollar on gas, electric vehicle charging, recurring bill payments and travel booked with National Bank Á la carte rewards.
• 1 point per dollar on other eligible card charges.
• Forbes Advisor estimates a rewards value of up to $774.46 in net annual earnings based on average Canadian spending, with the annual fee factored in.
• Emergency medical coverage: $5 million for 60 days (under age 55), 31 days (age 65 -75) or 15 days (age 65-75).
• Common carrier/travel accident insurance: None.
• Trip cancellation: $2,500 per person.
• Trip interruption: $5,000 per person.
• Flight delay: $2,500 per person.
• Lost/stolen baggage: $1,000 per person.
• Delayed baggage: $500 per person.

This card offers travel insurance coverage at a World Elite level for a lower annual fee, which helps compensate for the unconventional rewards structure.

• No interest for 21 days.
• Premium medical insurance up to age 75.
• Confusing rewards structure.
• Low points value.
• 2 points per dollar in purchases when net annual spending is between $20,001 and $30,000.
• 1.25 points per dollar in purchases when net annual spending is under $20,000 or over $30,000.
• Forbes Advisor estimates a rewards value of up to $443.83 in net annual earnings based on average Canadian spending, with the annual fee factored in.

The American Express Cobalt features the second highest annual earnings on this list at $750.40, which translates to a net earnings value of $594.52 minus the $155.88 annual fee (billed as $12.99 monthly). Not only does it also have high earn rates in a variety of common purchase categories, but it also has a high welcome bonus in the first year and Membership Rewards carry a high value, especially since they can be transferred 1:1 to a large number of hotel and airline loyalty programs.

• High net annual earnings value at $594.52.
• High earn rate on dining, drinks and groceries.
• Transfer points 1:1 to hotel and airline loyalty programs.
• Tons of exclusive benefits and perks.
• High welcome bonus (averages a $150 value).
• Membership Rewards are high in value.
• High annual fee.
• Amex is not accepted at as many places as Visa and Mastercard.
• In your first year as a new Cobalt Cardmember, you can earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in net purchases on your Card. This could add up to 15,000 points in a year. That’s up to $150 towards a weekend getaway or concert tickets
• Earn 5x the points on eligible eats and drinks in Canada, including groceries and food delivery. Spend cap applies.
• Earn 3X the points on eligible streaming subscriptions in Canada
• Earn 2X the points on eligible ride shares, transit & gas in Canada
• Earn 1 additional point on eligible hotel and car rental bookings via American Express Travel Online
• Earn 1X point for every $1 in Card purchases everywhere else
• Enjoy access to hotel bookings, a room upgrade (when available), 12pm check-in and late check-out (when available), and up to $100 USD hotel credit to use on amenities when charged to the room for a stay of 2 or more consecutive nights through The Hotel Collection from American Express Travel
• Transfer points 1:1 to several frequent flyer and other loyalty programs
• Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events
• Access Front Of The Line® Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with American Express® Experiences
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment

SimplyCash® Preferred Card from American Express

Up to $400 in statement credits

$119.88 ($9.99 per month)

Regular APR (Purchases)

Unlimited 2% cash back, exclusive American Express experiences and a $750 cash-back referral bonus balance out a smaller travel insurance package.

Learn more: SimplyCash Preferred Card from American Express review

• 2% unlimited cash back.
• $750 annual cash-back referral bonus.
• $1,200 cash-back limit on 4% earn rate.
• High interest rates on missed payments.
• In your first 10 months as a new SimplyCash® Preferred Card from American Express Cardmember, you can earn a $40 statement credit for each monthly billing period in which you spend $750 in purchases on your Card. This could add up to $400 in statement credits in the first 10 months
• Earn accelerated earn rates on eligible gas and grocery purchases
• Earn 4% cash back on eligible gas station purchases in Canada, 4% cash back on eligible grocery store purchases in Canada (up to $1,200 cash back annually) and 2% cash back on all other purchases
• Access events and special offers curated for Cardmembers with American Express® Experiences
• Extensive insurance coverage and 24/7 Customer Service
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply

When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With travel insurance credit cards, the scoring model used takes into account factors such as, but not limited to, the length and amount of coverage for emergency medical, travel accident, trip cancellation/delay/interruption, lost/delayed baggage, rental car and hotel/motel burglary.

Keep in mind what may be best for some people might not be right for you. Conduct informed research before deciding which cards will best help you achieve your financial goals.

The TD Aeroplan Visa Infinite Privilege Card is designed for high income earners who can max out returns on Aeroplan Points.

Rewards: Earn 2 Aeroplan Points for every dollar spent on Air Canada purchases, including Air Canada Vacations. Cardholders also earn 1.5 points for every dollar spent on gas, groceries, travel and dining purchases, as well as 1.25 points on every dollar for other purchases made with your card.

Welcome Offer: Earn up to $2,700 in value† including up to 75,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†. Earn an additional 25,000 Aeroplan points when you spend $12,000 within 180 days of Account opening†. Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†. Terms and conditions apply. Not available for residents of Quebec. Account must be approved by September 3, 2024.

Annual Fee: $599

Other Benefits and Drawbacks: Extensive travel insurance is matched with priority airport privileges and additional travel perks. High income requirements and annual fees put this card out of reach for a lot of consumers.

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The CIBC Aventura Visa Infinite Privilege Card is best suited for active Aventura Points collectors.

Rewards: 3 points per dollar on CIBC Reward Centre travel purchases, 2 points per dollar on gas, groceries, dining, transportation, entertainment and electric vehicle charging and 1.25 on all other purchases.

Welcome Offer: 80,000 Aventura Points in the first year.

Annual Fee: $499

Other Benefits and Drawbacks: Members receive an annual travel voucher, airport lounge passes and NEXUS application credits on top of the welcome bonus. Partial annual fee rebates are only available for primary cardholders with CIBC Smart Plus Accounts.

The CIBC Aeroplan Visa Infinite Privilege Card is a good fit for families or groups who regularly travel together.

Rewards: 2 points per dollar on Aeroplan purchases, 1.5 points per dollar on gas, groceries, electric car charging, travel and dining and 1.25 per dollar on other card charges.

Welcome Offer: 90,000 Aeroplan Points in the first year.

Other Benefits and Drawbacks: Priority services and preferred pricing on flights booked with points help stretch the value of this card. Members will have to use all of the available benefits to offset high annual fees and income requirements.

The Scotiabank Platinum Amex Card can benefit frequent travellers who spend a lot of money overseas.

Rewards: 2 points per dollar on all purchases.

Welcome Offer: 60,000 Scene Points in the first 14 months.

Annual Fee: $399

Other Benefits and Drawbacks: This card cuts a few travel benefits for extra airport lounge passes and no foreign transaction fees. Some travel insurance categories only offer a combined maximum instead of coverage for each person.

The BMO Air Miles World Elite Mastercard offers accelerated earn rates for Air Miles collectors.

Rewards: Earn 3 AIR MILES Reward Miles for every $12 spent at participating AIR MILES Reward Partners, 2 Miles for every $12 spent at any eligible grocery store and 1 Mile for every $12 on other credit card purchases.

Welcome Offer: 2,000 Air Miles when you spend a minimum of $3,000 in the first three months.

Annual Fee: $120 (waived for the first year)

Other Benefits and Drawbacks: Cardholders can save 25% on Miles used to book one flight per year without blackout periods. Travel insurance includes the basics, but it’s only available under strict conditions and doesn’t cover anyone over the age of 65.

The Scotiabank Gold Amex Card is ideal for smaller households that spend less than $50,000 on essentials per year.

Rewards: 6 points per dollar on groceries from select locations, 5 points per dollar on entertainment, dining, food delivery and other grocery purchases, 3 points per dollar on gas, daily transit and streaming subscriptions and 1 point per dollar on all other purchases.

Welcome Offer: 40,000 Scene+ Points in the first year.

Annual Fee: $120

Other Benefits and Drawbacks: Higher earn rates cover multiple categories that account for most major living expenses. Returns remain competitive until spending hits the $50,000 annual limit, which drops earn rates on all purchases to 1 point per dollar.

The National Bank World Elite Mastercard extends medical insurance coverage for travellers over the age of 65.

Rewards: 5 points per dollar on groceries and restaurants, 2 points per dollar on gas, electric vehicle charging, recurring bills and Á la carte travel and 1 point per dollar on everyday essentials.

Welcome Offer: None.

Annual Fee: $150

Other Benefits and Drawbacks: Insurance coverage dips in a few categories but wins overall on emergency medical benefits up to the age of 75. It’s worth noting that rewards carry less value across the board than comparable cards.

The National Bank World Mastercard can be useful for senior travellers who spend less than $30,000 annually.

Rewards: 2 points per dollar when net annual spending is over $20,000 and 1.25 points per dollar when net annual spending is under $20,000 or over $30,000.

Annual Fee: $115

Other Benefits and Drawbacks: Travel insurance on this card offers the same premium coverage as its World Elite counterpart. Earn rates are based on net annual spending instead of a straightforward rewards structure on most competitor cards.

The American Express Cobalt® Card is targeted toward travellers who spend a lot on food and drinks.

Rewards: Earn 5 Membership Rewards per dollar spent on groceries (up to $30,000 annually), 3 Membership Rewards points per dollar spent on eligible streaming subscriptions in Canada, 2 Membership Rewards points per dollar spent on rideshares, transit and gas in Canada 1 Membership Rewards point per dollar spent on all other eligible purchases and 1 additional Membership Rewards point for every dollar spent on eligible hotel or car rental bookings made with American Express Travel.

Welcome Offer: In your first year as a new Cobalt Cardmember, you can earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in net purchases on your Card. This could add up to 15,000 points in a year. That’s up to $150 towards a weekend getaway or concert tickets

Other Benefits and Drawbacks: Membership points can be transferred at a 1:1 ratio to other loyalty programs, such as Aeroplan and Marriott Bonvoy. Travel insurance for trip cancellations or interruptions will have to be purchased separately.

The SimplyCash® Preferred Card from American Express is a viable option for travellers who prefer cash-back rewards over points.

Rewards: Earn 4% cash back on eligible gas station purchases in Canada, 4% cash back on eligible grocery store purchases in Canada (up to $1,200 cash back annually) and 2% cash back on all other purchases.

Welcome Offer: Earn a $40 statement credit for each monthly billing period in which $750 in purchases is spent on the card. This could add up to $400 in statement credits in the first 10 months.

Annual Fee: $119.88 (billed as $9.99 a month)

Other Benefits and Drawbacks: Even though the 4% earn rate is capped at $1,200 in annual cash back, there’s no limit on the 2% base rate. Cardholders also gain exclusive access to concert tickets, restaurant specials, movie theatre packages and other offers.

The importance of travel insurance can’t be overstated. If you’re travelling overseas, or even just across the border in the U.S., and if you have a medical emergency, travel insurance can save you thousands of dollars in medical costs. For example, Snowbird Advisor Insurance shares the case of a 63-year-old Canadian who was thrown from bicycle while visiting California. He was found unconscious and taken by ambulance to the hospital, where he received a CT-Scan and chest X-ray. His claim for treating fractured ribs and bruising: $47,435.42.

The travel insurance offered by credit cards can vary considerably in terms of types of coverage, but also the policy limits and restrictions. For example, while these three cards all offer emergency medical coverage, the CIBC Aeroplan Visa Infinite Privilege Card offers $5 million for 31 days, Scotiabank Platinum Amex Card offers $2 million for 31 days and BMO Air Miles World Elite Mastercard offers $2 million for 15 days. There are also may be age limitations between different cards: the CIBC Aeroplan Visa Infinite Privilege Card and Scotiabank Platinum Amex Card offer 10 days of coverage for cardholders over age 65, while the BMO Air Miles World Elite Mastercard doesn’t offer coverage for ages 65 and older. Be sure to read the certificate of insurance for complete details of the coverage limits.

Here’s a closer look at the types of coverage that your card may provide:

Emergency medical coverage: Protects you if you get sick or injured during your trip.

Travel accident insurance and/or Common carrier insurance: If you suffer a catastrophic accident during your trip or while travelling in a common carrier (such as a plane or train), this coverage pays out up to policy limits, depending on the extent of your injuries.

Trip cancellation: Reimburses you for non-refundable costs of your trip before you leave.

Trip interruption: Reimburses you for non-refundable costs of your trip once you’ve already departed and you have to return early or if you’re delayed due to transportation (or other covered) issues.

Flight delay: If your flight is delayed due to weather or mechanical issues, for example, this reimburses you for restaurant and hotel expenses.

Lost/stolen baggage: If your bags are lost, stolen or damaged during a trip, you can file a claim for the items you had to replace.

Delayed baggage: If your bags are delayed for a specified amount of time (four or six hours, for example), this coverage reimburses you for personal items you needed to purchase to tie you over.

Hotel/motel burglary insurance: If the place that you’re staying is burgled, this provides coverage for the replacement of personal property that is lost, stolen or damaged.

Car rental collision loss/damage: This covers loss, damage or theft to your rental car. (It does not cover personal damages.)

There are many benefits to travelling insurance, but some of the central ones include:

Peace of Mind When Travelling

Knowing that you’re covered for a medical emergency, accident or for a variety of more minor inconveniences (like if your trip is delayed or cancelled, your baggage is delayed or cancelled or if something is stolen from your hotel) can ensure you have a worry-free trip.

Can Save You Hundreds of Dollars

Travel insurance can save you hundreds or more. In the event of a medical emergency, travel insurance can cover your medical expenses up to a limit (usually in the millions). On a more minor scale, it can save you hundreds in the event that, say, your baggage is lost and you need money to buy clothes on the trip.

There are some drawbacks to travel insurance from a credit card compared to buying it outright.

High Annual Fees

Typically cards that come with travel insurance come with annual fees. If you don’t travel often and don’t enjoy any other benefits (like points or cash back) from your credit card, this cost should be weighed against the cost of purchasing standalone travel insurance.

Insurance Isn’t Automatic 

Travel insurance from a credit card typically only works when you purchase the trip on that specific credit card. 

Read the Fine Print

You’ll want to read the fine print to make sure you’re covered for your trip. When in doubt, call your credit card company to check on any conditions for coverage.

Do You Travel Frequently (To Justify High Annual Fees)

If you travel frequently, a credit card (even with a high fee) can absolutely be worth it for the travel insurance alone. Alternatively, you can comparison shop for multi-trip travel insurance to see what coverage and pricing works best for you.

Lower Coverage Amounts

Your travel credit card may only cover you for a limited number of days, or provide a lower level of coverage than you want.

Learn more: Credit Card Travel Insurance Vs. Separate Travel Insurance

When choosing a credit card with travel insurance, consider the following:

Coverage Details

Each credit card offers a different selection of travel insurance coverages and has different conditions. It’s important to know what’s available and which ones are most important to you. Travel emergency medical and travel accident (common carrier) are two coverages you’ll want to make sure your card has. 

Coverage Limitations

Travel emergency medical coverage is arguably the most important coverage your card can have. With this, be sure to investigate the details. The term (the amount of time your card covers you for) and the amount of medical expenses it will cover are important to know. Be sure to read the insurance certificate to fully understand the terms. Likewise, for trip cancellation and interruption insurance, only specified reasons for cancellation or interruption are covered.

Emergency Assistance Services

This is a service provided by some travel insurance that is essentially a concierge to your travel insurance needs.

Exclusions and Limitations

Travel insurance doesn’t cover everything. Check the fine print for exclusions or limitations on your coverage. For instance, people over 65 years of age may not be covered by travel insurance, or may only be covered for a shorter term than younger people.

You can apply for a travel insurance credit card the same way you’d apply for any other credit card.

Age and Residency

In order to qualify for a credit card, you must be the age of majority in your province or territory and a resident of Canada.

Credit Score

Depending on the card you’re applying for, you may need a specific credit score.

Personal or Household Income

Depending on the credit card you’re applying for, you’ll need to meet their specific income requirements.

Related : Best value credit card Canada

You can maximize your card’s insurance coverages by understanding them, first and foremost.

Understanding Policy Terms and Conditions

Read the fine print of your travel insurance insurance certificate and the policy terms and conditions will help you make the most of your travel insurance, should you have to use it.

Registering Your Travel Plans

You can register your travel plans with the Canadian government for free. This is a free service that allows the government to alert you in case or emergencies abroad or at home.

Keeping Documentation and Receipts

Keep your travel insurance certificate on you and receipts for your flights, hotels and other expenses.

Contacting the Insurance Provider in Case of Emergency

If there is an emergency, keep the contact info for the insurance provider on hand so you can contact them for guidance.

When considering a travel insurance credit card, you’ll want to look at the following factors to know whether it’s worth it:

Credit Card Fees and Annual Costs

Many of the credit cards with the best travel insurance come with steep annual fees. You’ll want to examine whether these are still of value compared to how often you’ll need travel insurance .

Foreign Transaction Fees

If you’re using this credit card for travel, you’ll want to consider whether it charges a foreign transaction fee . Some cards offer travel insurance and have no foreign transaction fee .

Card Acceptance and Accessibility

If you’re using this card for travel (or trying to rack up points to earn your next trip) you’ll want to make sure it’s a provider that’s accepted at the stores you shop at most often.

Whether or not you need additional travel insurance depends on your needs and personal situation. For example, if you’re 67 years old and your credit card’s emergency medical insurance only covers up to age 65, then you’ll need supplemental travel medical insurance. Or, if your card provides coverage for 15 days of travel and your trip is for 21 days, then buying an individual policy is a good idea. Also, if your card only offers trip protection insurance, such as trip cancellation, you’ll need to purchase medical only travel insurance separately.

While your credit card offers travel insurance as part of its benefits package, if it doesn’t have the coverage you need, then it’s best to shop around for a standalone policy. In general, separate travel insurance policies offer better coverage and more options, such as pre-existing condition riders, than credit card insurance. What’s more, paid policies offer you more opportunity to customize your coverage.

Related: Credit Card Travel Insurance Vs. Separate Travel Insurance

Do credit cards automatically have travel insurance?

Not all credit cards come with travel insurance. Most travel rewards cards generally include some type of travel insurance. The two basic insurance categories are travel medical and trip protection. Policies can include several types of coverage within these categories.

How do I file a travel insurance claim with my credit card?

The process for filing an insurance claim will vary for each credit card issuer. Most claims require cardholders to submit financial or medical records (sometimes both) and other documents within a certain time frame. Credit cards with travel insurance often have a contact number on the back of the card to call for assistance with filing an insurance claim.

Does credit card travel insurance cover all passengers?

Some credit card travel insurance policies cover multiple travellers under certain conditions. Most issuers require primary cardholders to charge the full or partial cost of a trip for all passengers. Policy limits will indicate how much coverage each insurable person receives. Passengers older than 65 or anyone with preexisting health conditions may not be eligible for coverage.

Do all credit cards have travel insurance?

No, not all credit cards offer travel insurance. Most credit cards that do offer travel insurance offer a different mix of coverages, as well.

How do I choose the best travel insurance?

For the best travel insurance, aim to get essential coverages (like emergency medical coverage) in for a long term, a high amount of coverage and make sure someone your age is accepted. Otherwise, look at the coverages you prefer and make sure the card offers those and how much coverage is offered.

Is there travel insurance on Mastercard?

Some Mastercards offer travel insurance, but it depends on the card.

Do all Visa cards have travel insurance?

Some Visas offer travel insurance, but it depends on the card.

Does my TD Visa Infinite cover trip cancellation?

Some TD Visa Infinite cards offer trip cancellation coverage. However, you have to check your specific TD Visa Infinite card to check whether you’re covered for this.

Our partners are not responsible for anything reported by Forbes Advisor. To the best of our knowledge, everything is accurate at the time of publishing as of the date posted. For full information and details, please visit the advertiser’s website.

Candice Reeves is a financial writer based out of Nova Scotia. She specializes in personal finance, investing, and cryptocurrency. Her work is featured in leading publications across various industries, including Wealth Rocket, CryptoVantage, and StackCompare.