TD® Aeroplan® Visa Infinite Privilege* Card

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

Coverage Area	Covered?	Limit	Conditions	Exclusions
emergency medical Start Claim	✅ Yes	$5,000,000	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+)	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
travel accident Start Claim	✅ Yes	$500,000	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	Acting as pilot or crew member Suicide or self-inflicted injury Bacterial infection (unless from accidental cut) War or civil unrest
trip cancellation Start Claim	✅ Yes	$2,500 per person / $5,000 total	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	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
trip interruption Start Claim	✅ Yes	$5,000 per person / $25,000 total	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)	Prepaid unused return travel Reasonably foreseeable conditions Travel against medical advice Events occurring outside the coverage period Loss of enjoyment or wasted points value
trip delay Start Claim	✅ Yes	$1,000	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	Delays made public prior to booking Delays caused by laws or government orders Strikes or labor disputes known before booking Bomb searches or threats
lost baggage Start Claim	✅ Yes	$2,500	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	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
delayed baggage Start Claim	✅ Yes	$1,000	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	Delays occurring on the return trip to province of residence Expenses incurred after baggage is returned Money, securities, negotiable instruments Baggage held by customs
rental car Start Claim	✅ Yes	$85,000 MSRP	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	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
cell phone protection Start Claim	✅ Yes	$1,500 Ded: $25 - $100 depending on device value	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	Accessories and batteries Devices for professional/commercial use Refurbished devices (unless from manufacturer/provider) Theft from baggage unless hand-carried Cosmetic damage Mysterious disappearance
purchase protection Start Claim	✅ Yes	Purchase Price (Lifetime max $60,000)	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	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
extended warranty Start Claim	✅ Yes	Purchase Price (Lifetime max $60,000)	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	Used or pre-owned items Motorized vehicles Items for business use Wear and tear Inherent product defects

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