🇨🇦 TD® Aeroplan® Visa Infinite Privilege* Card
Annual Fee: $599
Issuer: TD
Policy Version: January 2024
Last Updated: 2026-02-08
Policy Information
Claims Contact
- website: td.com/agreements
- phone domestic: 1-866-374-1129
- phone international: +1-416-977-4425
Global Limits
- who is covered: Primary Cardholder, Spouse, and Dependent Children
- trip duration limit: 31 days for age 64 and under; 4 days for age 65 and older
Coverage Summary
Conditions
- • Must be a resident of Canada covered by a Government Health Insurance Plan (GHIP)
- • Account must be in good standing
- • Trip must not exceed the maximum number of covered days based on age
- • Must contact administrator immediately in the event of an emergency
- • Pre-existing medical condition period is 90 days (under 65) or 180 days (65+)
Exclusions
- × Non-emergency, experimental, or elective treatment
- × Routine pre-natal or post-natal care
- × Child born during the trip
- × Mental or emotional disorders including acute psychosis
- × High-risk activities including professional sports or speed contests
- × Travel against medical advice or to a region with a travel advisory
Conditions
- • Fare must be fully charged to the account or paid using Aeroplan points
- • Covers accidental bodily injury while riding, boarding, or exiting a common carrier
- • Loss must occur within 1 year of the accident
- • Includes family transportation benefit up to $5,000
Exclusions
- × Acting as pilot or crew member
- × Suicide or self-inflicted injury
- × Bacterial infection (unless from accidental cut)
- × War or civil unrest
Conditions
- • At least 75% of the trip cost must be charged to the card or paid with Aeroplan points
- • Must cancel travel arrangements within 24 hours of the cause
- • Pre-existing condition stability period is 90 days (under 65) or 180 days (65+)
- • Trip must be booked prior to departure date
Exclusions
- × Reasonably foreseeable conditions
- × Travel for the purpose of visiting a sick person who dies or gets worse
- × Pregnancy complications within 9 weeks of due date
- × Routine pre-natal or post-natal care
- × Travel to a region with a pre-existing travel advisory
Conditions
- • At least 75% of the trip cost must be charged to the card or paid with Aeroplan points
- • Must contact administrator immediately (within 24 hours)
- • All transportation expenses must be pre-approved
- • Pre-existing condition stability period applies (90/180 days)
Exclusions
- × Prepaid unused return travel
- × Reasonably foreseeable conditions
- × Travel against medical advice
- × Events occurring outside the coverage period
- × Loss of enjoyment or wasted points value
Conditions
- • At least 75% of the trip cost must be charged to the card or paid with Aeroplan points
- • Delay must be due to inclement weather, equipment failure, or strike
- • Covers reasonable expenses for meals, accommodation, and ground transportation
- • Coverage is excess over other insurance or carrier reimbursements
Exclusions
- × Delays made public prior to booking
- × Delays caused by laws or government orders
- × Strikes or labor disputes known before booking
- × Bomb searches or threats
Conditions
- • At least 75% of the ticket cost must be charged to the card or paid with Aeroplan points
- • Reimburses essential clothing and toiletries
- • Purchases must be made before baggage is returned
- • Purchases must be made within 96 hours of arrival
Exclusions
- × Delays occurring on the return trip to province of residence
- × Expenses incurred after baggage is returned
- × Money, securities, negotiable instruments
- × Baggage held by customs
Conditions
- • At least 75% of the ticket cost must be charged to the card or paid with Aeroplan points
- • Baggage must be checked with a common carrier
- • Coverage is excess of carrier payments or other insurance
- • Must report loss to the carrier and obtain a claim report
Exclusions
- × Losses on return flight home (for delay, not lost)
- × Money, securities, credit cards
- × Tickets and documents
- × Criminal acts by the covered person
- × Property held or seized by customs
Conditions
- • Must charge the full cost of the rental to the card or pay with Aeroplan points
- • Must decline the rental agency's Collision Damage Waiver (CDW)
- • Coverage is for one vehicle at a time
- • Valid for rental periods up to 48 days
- • Covers theft, loss, damage, and valid loss of use charges
Exclusions
- × Third-party liability
- × Personal injury
- × Operation while intoxicated
- × Wear and tear or mechanical breakdown
- × Off-road operation
- × Trucks, pick-ups, cargo vans, limousines, antique vehicles
Conditions
- • Must charge at least 75% of total cost to account OR fund via plan and charge all monthly bills to account
- • Coverage limited to 2 years from purchase
- • Depreciation rate of 2% per month applies
- • Max 1 claim per 12 months, 2 claims per 48 months
Exclusions
- × Accessories and batteries
- × Devices for professional/commercial use
- × Refurbished devices (unless from manufacturer/provider)
- × Theft from baggage unless hand-carried
- × Cosmetic damage
- × Mysterious disappearance
Conditions
- • At least 75% of the purchase price must be charged to the card
- • Covers direct physical loss or damage
- • Coverage is excess of other insurance
- • Must use due diligence to protect property
Exclusions
- × Cash, tickets, negotiable instruments
- × Animals or living plants
- × Jewelry in baggage unless hand-carried
- × Motorized vehicles
- × Used or pre-owned items
- × Items for business use
- × Wear and tear, mysterious disappearance
Conditions
- • At least 75% of the purchase price must be charged to the card
- • Doubles manufacturer's warranty up to 2 additional years
- • Original warranty must be valid in Canada
- • Warranties over 5 years must be registered
Exclusions
- × Used or pre-owned items
- × Motorized vehicles
- × Items for business use
- × Wear and tear
- × Inherent product defects