🇨🇦 TD First Class Travel® Visa Infinite* Card
Annual Fee: $139
Issuer: TD
Policy Version: August 2024
Last Updated: 2026-02-08
Policy Information
Claims Contact
- website: cardbenefits.assurant.com
- phone domestic: 1-866-374-1129
- phone international: 1-416-977-4425
Global Limits
- who is covered: Primary Cardholder, Spouse, Dependent Children, Additional Cardholders (varies by benefit)
- trip duration limit: 21 days for ages 64 and under; 4 days for ages 65 and over
Coverage Summary
Conditions
- • Must be a resident of Canada
- • Must be covered by a Government Health Insurance Plan (GHIP)
- • Account must be in good standing
- • Trip must not exceed the maximum number of covered days unless topped up
- • Must contact administrator immediately in event of emergency
Exclusions
- × Pre-existing medical conditions not stable for 90 days (under 65) or 180 days (65+)
- × Non-emergency or elective treatments
- × Pregnancy complications within 9 weeks of due date or after delivery
- × Alcohol or drug abuse related conditions
- × High risk activities like parachuting, bungee jumping, or professional sports
Conditions
- • Full cost of fare must be charged to the card or paid with points
- • Loss must occur while riding, boarding, or alighting common carrier
- • Loss must be direct result of accident
- • Death or dismemberment must occur within 1 year of accident
Exclusions
- × Suicide or self-inflicted injury
- × Bacterial infection (unless from accidental cut)
- × War or civil unrest
- × Service in armed forces
- × Pilots or crew members
Conditions
- • Full cost of the trip must be charged to the card or paid with points
- • Must cancel travel arrangements within 24 hours of the cause
- • Must be a resident of Canada
- • Account must be in good standing
Exclusions
- × Pre-existing medical conditions not stable for 90 days (<65) or 180 days (65+)
- × Reasonably foreseeable conditions
- × Pregnancy complications within 9 weeks of due date
- × Travel to a region with a government travel advisory issued before booking
- × Known false or fraudulent claims
Conditions
- • Full cost of the trip must be charged to the card or paid with points
- • Must contact administrator immediately (within 24 hours)
- • Transportation expenses must be pre-approved
- • Covers non-refundable unused arrangements or additional transport costs
Exclusions
- × Pre-existing medical conditions not stable for 90 days (<65) or 180 days (65+)
- × Reasonably foreseeable conditions
- × Travel against medical advice
- × Travel advisory issued before coverage period
- × Prepaid unused return travel
Conditions
- • Delay must be caused by weather, equipment failure, or strike
- • At least 75% of the trip cost must be charged to the card or paid with points
- • Expenses must be reasonable for meals, accommodation, and ground transportation
- • Account must be in good standing
Exclusions
- × Events made public prior to booking
- × Laws or regulations issued by governments
- × Strikes existing or warned about before booking
- × Withdrawal of service by authorities
- × Bomb search or threat
Conditions
- • Full cost of ticket must be charged to the card
- • Purchases must be for essential clothing and toiletries
- • Purchases must be made within 96 hours of arrival and before bags return
- • Delay must occur at away-from-home destination
Exclusions
- × Delays occurring on return to province of residence
- × Expenses incurred after baggage is returned
- × Money, securities, tickets
- × Baggage seized by customs
Conditions
- • Full cost of ticket must be charged to the card
- • Baggage must be in custody of a Common Carrier
- • Covers replacement cost of lost personal property not paid by carrier
- • Must provide proof of loss report
Exclusions
- × Losses on return home (for delayed baggage only, lost applies anytime)
- × Money, securities, credit cards
- × Tickets and documents
- × Losses caused by criminal act of covered person
- × Baggage not checked
Conditions
- • Must use card to pay for entire rental
- • Must decline rental agency's CDW
- • Rental period must not exceed 48 consecutive days
- • Only one vehicle rented at a time is eligible
Exclusions
- × Trucks, pick-up trucks, off-road vehicles
- × Vans carrying more than 8 people
- × Antique vehicles (over 20 years old)
- × Leased or tax-free cars
- × Third party liability
- × Personal injury
Conditions
- • Must charge at least 75% of total cost to card OR fund via plan with monthly bills charged to card
- • Must activate device with a provider
- • Coverage limited to 2 years from purchase
- • Depreciation of 2% per month applies
Exclusions
- × Accessories and batteries
- × Devices for business use
- × Used or previously owned devices
- × Refurbished devices (unless from OEM/Provider)
- × Theft from baggage unless hand-carried
- × Cosmetic damage
- × Mysterious disappearance
Conditions
- • Full purchase price must be charged to the card
- • Item must be new
- • Lifetime benefit limit of $60,000 per account holder
- • Must use due diligence to avoid loss
Exclusions
- × Cash, travellers cheques, tickets
- × 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
- • Full purchase price must be charged to the card
- • Original manufacturer's warranty must be valid in Canada
- • Doubles warranty duration up to 1 additional year
- • Must register warranties >5 years within first year
Exclusions
- × Motorized vehicles
- × Used or pre-owned items
- × Items for business use
- × Wear and tear
- × Improper installation