TD First Class Travel® Visa Infinite* Card

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

Coverage Area	Covered?	Limit	Conditions	Exclusions
emergency medical Start Claim	✅ Yes	$2,000,000	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	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
travel accident Start Claim	✅ Yes	$500,000	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	Suicide or self-inflicted injury Bacterial infection (unless from accidental cut) War or civil unrest Service in armed forces Pilots or crew members
trip cancellation Start Claim	✅ Yes	$1,500	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	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
trip interruption Start Claim	✅ Yes	$5,000	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	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
trip delay Start Claim	✅ Yes	$500	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	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
lost baggage Start Claim	✅ Yes	$1,000	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	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
delayed baggage Start Claim	✅ Yes	$1,000	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	Delays occurring on return to province of residence Expenses incurred after baggage is returned Money, securities, tickets Baggage seized by customs
rental car Start Claim	✅ Yes	Actual cash value up to MSRP cap	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	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
cell phone protection Start Claim	✅ Yes	$1,000 Ded: $100	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	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
purchase protection Start Claim	✅ Yes	Purchase Price	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	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
extended warranty Start Claim	✅ Yes	Purchase Price	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	Motorized vehicles Used or pre-owned items Items for business use Wear and tear Improper installation

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