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What is top-up or extension of coverage?1
Top-up or Extension coverage provides additional days of travel medical insurance for a specific trip for travellers who are away for a longer period of time than what they're covered for with their existing plan.
Or, in case of a trip cancellation or trip interruption insurance, travellers can add additional coverage amount if the trip cost is higher than what their existing plan covers.
If you are an existing TD Credit Card customer, please visit TD.com to apply for top-up or extension.
When can top-up or extension of coverage be Useful?
How does top-up or extension of coverage work?
Here is an example of how top-up or extension of coverage works:
- Mark is going on a trip outside his province for 30 days and wants to make sure he has coverage for the entire duration of his trip. His existing plan has emergency travel medical coverage of up to $2 million, for the first 21 days.
- Mark tops up his existing coverage by purchasing top-up or extension from TD Insurance to provide coverage for the last 9 days.
- Mark now has coverage for his entire trip, with up to $2 million of emergency travel medical coverage for the first 21 days of his trip, through his existing plan, and up to $5 million in coverage for the remaining 9 days through the Top-up or Extension coverage from TD Insurance.
The information below is intended as a summary only. For complete details please review the sample insurance policy.
Coverage highlights
|
Travel medical coverage overview |
Maximum benefit payable |
|---|---|
|
Emergency travel medical
|
up to $5 million per insured person |
|
Emergency dental treatment |
Up to $2,000 per insured person |
|
Out of pocket meals and lodging Covers costs of meals and lodging if a covered medical emergency causes you or your travelling companion to miss a scheduled return to home or requires you or your travelling companion to be relocated for treatment |
Up to $1,500 per insured person |
|
Paramedical services Covers eligible services such as those of a licensed chiropractor, chiropodist, osteopath, podiatrist, or physiotherapist |
Up to $300 per profession listed if required as a covered emergency, per insured person |
|
Trip cancellation and interruption coverage overview |
Maximum benefit payable |
|
Trip cancellation Covers eligible expenses for covered events that cause cancellation of your travel plans prior to your departure date |
Up to the amount of coverage you select when purchasing the plan, with a maximum option of $25,000 per insured person |
|
Trip interruption Covers eligible expenses for covered events that cause disruption of your travel plans after trip departure |
Up to the amount of coverage you select when purchasing the plan, with a maximum option of $25,000 per insured person |
|
Baggage and personal effects Covers the cost to repair or replace your baggage and personal effects due to loss or damage by reason of theft, burglary, fire or transportation hazards during your covered trip |
Up to $1,000 per insured person |
|
Baggage delay Provides coverage to purchase necessary toiletries in the event that your checked baggage is delayed by the common carrier for more than 12 hours |
Up to $400 per insured person |
|
Accidental death and dismemberment flight accident Covers death and dismemberment as a result of an eligible injury sustained during the covered trip while aboard an aircraft |
Up to $200,000 per insured person |
|
Accidental death and dismemberment common carrier accident Coverage for death and dismemberment as a result of an eligible injury sustained during the covered trip while aboard a common carrier |
Up to $100,000 per insured person |
Eligibility
To be eligible to apply for top-up or extension for travel medical insurance or trip cancellation & interruption insurance you must meet the following requirements.
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You are a Canadian resident.
-
You cannot currently have an active claim or expecting to incur a claim for the existing trip.
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The minimum age for coverage for anyone on your policy, is 15 days old. There is no maximum age limit to apply for coverage.
-
There are medical conditions that could make you ineligible for coverage.2
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You are covered by the government health insurance plan of your province or territory of residence for the entire duration of your trip and at the time a claim is incurred.
-
Depending on the coverage you're applying for, you must also meet the following requirements.
Travel medical insurance
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If your existing plan is from TD Insurance, you can apply either before or after you depart on your trip.
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If your existing plan is from another insurer, you must apply for a top-up or extension with TD Insurance before your departure date.
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No insured person must have suffered a medical emergency during your trip before you apply for this top-up or extension of coverage.
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Applicants 60 years of age and older will be required to fill out a medical questionnaire.
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You must apply before your existing plan expires.3
Trip cancellation & interruption insurance
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You need to purchase the top-up or extension coverage before your departure date
-
You need to be in Canada when you apply.
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You purchased your travel arrangements through a supplier of travel services.4
Exclusions and limitations
It’s important to know that benefits will only be paid for eligible expenses and only up to the maximum amount. A complete list of exclusions that apply to your top-up or extension of coverage will appear in your policy, but here are some examples.
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Unstable pre-existing medical conditions.5
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Abuse of alcohol, drugs, or intoxicants.
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Travel to destinations under a travel advisory by the Canadian government.
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The birth of a child born during a covered trip.
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Travelling against the advice of a physician.
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Expenses not pre-approved by our administrator may be limited or excluded.
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Committing or attempting to commit an illegal or criminal act.
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Self-inflicted injuries.
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Noncompliance with any medically prescribed medical therapy or treatment.
Top-up or extension of coverage from TD Insurance may offer different benefits with different terms and conditions than your existing coverage.
Refer to the sample insurance policy for a full description of eligibility requirements, defined terms, benefits, limitations, and exclusions.
For travel medical insurance top-up or extension
Sample Insurance Policy - Single-Trip Medical Plan
For trip cancellation and interruption insurance top-up or extension
Sample Insurance Policy - Trip Cancellation & Interruption Plan
FAQ’s
Yes. To be eligible, you will have to apply before you depart on your trip and you must meet the eligibility requirements associated with our top-up or extension plan, including paying the required premium for the top-up coverage.
Contact our administrator at 1-888-992-9162 and get started.
If you already have travel medical insurance from TD Insurance and your trip is longer than what you're covered for, you can apply to top-up your plan before or after you depart for your trip.
Contact our administrator at 1-888-992-9162 and get started.
Your top-up or extension coverage will start at midnight on the effective date indicated on your confirmation of insurance letter, which you will receive after you purchase a Top-up.
Top-up or extension insurance is a separate plan. Therefore, it has its own certificate/policy with its own terms and conditions.
Your top-up coverage from TD Insurance may offer different benefits, with different terms and conditions than your existing plan.
Having a pre-existing condition doesn’t disqualify you from getting a top-up or extension, but your pre-existing condition will have to be considered "stable" for a specified period of time before your effective date, to be covered.5
To learn more and get full details about pre-existing medical conditions, speak with our administrator at 1-888-992-9162
If you have a multi-trip travel insurance plan, you can top-up one particular trip at a time.
If you are planning multiple trips that are longer than the coverage period of your existing plan, consider a multi-trip travel insurance plan that provides longer coverage periods.
Claims and Contact Information
TD Insurance Travel Insurance is administered by Global Excel Management Inc. and its subsidiary, CanAm Insurance Services (2018) Ltd.
Top-up or extension coverage is provided by the TD Insurance Single-Trip Medical Plan and/or TD Insurance Trip Cancellation & Interruption Plan. The TD Insurance Single-Trip Medical Plan is underwritten by TD Life Insurance Company. TD Insurance Trip Cancellation & Interruption Plan is underwritten by TD Life Insurance Company (medical covered causes) and TD Home and Auto Insurance Company (non-medical covered causes).
Coverages and benefits are subject to eligibility conditions, limitations, and exclusions, including pre-existing medical condition exclusions. Please refer to the Sample Policy for full details.
1You must confirm with your original insurance carrier that your coverage is eligible to be topped up with a TD Insurance Travel Insurance plan. Top-up or extension coverage from TD Insurance may offer different benefits with different terms and conditions than your existing coverage. Coverages and benefits are subject to eligibility conditions, limitations, and exclusions, including pre-existing medical condition exclusions. Please refer to the applicable Sample Insurance Policy for full details.
2You must NOT be travelling against the advice of a physician or have been diagnosed with a terminal illness or metastatic cancer; you must NOT have a kidney disease requiring dialysis; and you must NOT have been prescribed or used home oxygen during the 12 months prior to your date of application.
3You must purchase the top-up or extension coverage before 11:59 p.m. ET on the date on which the original coverage terminates.
4Supplier of Travel Services means a travel agent, a tour operator, a travel wholesaler, an airline, a cruise line, a provider of ground transportation, a provider of travel accommodations who is legally authorized and licensed to sell travel services to the general public.
5This insurance may not cover claims related to pre-existing medical conditions. Pre-existing medical condition means any sickness, injury or medical condition (other than a minor ailment) that was not stable during the time period specified in the insurance policy. Refer to the applicable Sample Insurance Policy to determine how this exclusion may affect your coverage.
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