The TD First Class Travel Visa Infinite Card and its travel insurance benefits
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In short: as of October 2026, the TD First Class Travel Visa Infinite Card includes travel medical insurance up to $2,000,000 for 21 days (4 days at age 65 and over), trip cancellation up to $1,500 per person, trip interruption up to $5,000 and rental car coverage for vehicles under $65,000, for up to 48 days. It earns TD Rewards points, mostly through Expedia for TD.
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
With the TD First Class Travel® Visa Infinite* Card, you can earn up to 160,000 TD Rewards Points† and a first-year annual fee rebate†:
- 20,000 TD Rewards Points when you make your first purchase with your card†
- 140,000 TD Rewards Points when you spend $7,500 within 180 days of account opening†
- A Birthday Bonus of up to 10,000 TD Rewards Points†
Plus, enjoy an annual TD Travel Credit† of $100 when you book travel through Expedia® For TD, plus airport lounge access with 4 free visits per year through the Visa Airport Companion Program†.
With the TD First Class Travel Visa Infinite* Card®, you earn:
- 8 TD Rewards Points† per dollar when you book through Expedia® For TD†
- 6 TD Rewards Points† per dollar on grocery, dining and public transit purchases
- 4 TD Rewards Points† per dollar on recurring bill payments, streaming services, and digital gaming and media purchases
- 2 TD Rewards Points† per dollar on all other purchases made with your card
This card also gives you a range of travel benefits, including an annual travel credit, free airport lounge visits, and a Birthday Bonus that boosts your points every year†.
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $0 |
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 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.
| Flight Cancellation | Up to $1,500 per person, to a maximum of $5,000 for all persons on the trip |
| Trip Interruption Insurance | Up to $5,000 per person, to a maximum of $25,000 for all persons on the trip |
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 :
- Airplane
- 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.
| Baggage insurance in case of delay | More than 6 hours: $1,000 maximum for the purchase of basic necessities |
| Lost luggage | Up to $1,000 |
Flight and travel delay insurance
To benefit from this insurance, at least 75% of the cost of your trip must be charged to the 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
To be eligible for this insurance, you must:
- Pay for the car rental at the rental agency with the TD First Class Travel® Visa Infinite* Card® (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.
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $0 |
Purchase Assurance and Extended Warranty Protection
Purchase insurance covers items purchased with the 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
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $0 |
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.
| Insurance | Duration |
| Travel Medical Insurance | Immediately |
| Trip cancellation and trip interruption insurance | Immediately |
| Flight and travel delay insurance | 45 hours |
| Common Carrier Travel Accident Insurance | 30 days |
| Delayed and Lost Baggage Insurance | 45 days |
Summary
In summary, here are the various insurance coverages of the TD First Class Travel® Visa Infinite* Card :
| Insurance | Maximum coverage |
| Travel Medical Insurance | $2,000,000 |
| Common Carrier Travel Accident Insurance | $500,000 |
| Trip Cancellation Insurance | $1,500 |
| Trip Interruption Insurance | $5,000 |
| Delayed or lost luggage insurance | $1,000 |
| Flight and travel delay insurance | $500 |
| Hotel or motel theft insurance | $2,500 |
| Collision and damage insurance for rental vehicles | Less than $65,000 and 48 consecutive days |
| Purchase Insurance | 90 days |
| Extended warranty protection | One year old |
| Mobile Device Insurance | $1,000 |
Bottom Line
In addition to all this insurance to prevent inconvenience, the 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 its 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!
Does the TD First Class Travel Visa Infinite Card cover car rental insurance?
Yes. Collision and damage coverage applies to rentals of up to 48 consecutive days, for a vehicle with a manufacturer's suggested retail price under $65,000. You must pay for the full rental with the card (or partly with TD Rewards points, under certain conditions) and decline the rental agency's collision damage waiver. Some vehicle types are excluded.
How many days does the travel medical insurance cover?
Travel medical insurance pays up to $2,000,000 for emergency care. It covers the first 21 days of a trip for cardholders under 65, and 4 days at age 65 and over. You only need to hold the card: the trip does not have to be charged to it. For a longer trip, you need extra coverage.
How much do trip cancellation and trip interruption insurance pay?
Trip cancellation pays up to $1,500 per person, to a maximum of $5,000 per trip. Trip interruption pays up to $5,000 per person, to a maximum of $25,000. In both cases, the full cost of the trip must be charged to the TD First Class Travel Visa Infinite Card or paid with TD Rewards points.
How do I make an insurance claim with this TD card?
Call the claims line at 1-866-374-1129. For travel medical, trip cancellation and trip interruption, call right away. Keep your receipts, proof of payment with the card and your travel documents. Outside Canada and the United States, emergency assistance answers collect calls at 1-416-977-8297.
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Which credit card should you choose for travel?
If you travel regularly, the credit card you carry makes a real difference – travel insurance, points earning, airport lounge access and no foreign exchange fees. Use our credit card comparator to filter through 200+ Canadian cards based on your needs, or browse the best credit cards in Canada, ranked monthly by the Milesopedia team. The full card profile: the TD First Class Travel Visa Infinite Card.
