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SEE OVERLEAF
THE TD FIRST CLASS TRAVEL VISA INFINITE
BENEFIT COVERAGES GUIDE
This document contains important and useful information about your embedded
Insurance Beneits and Services for your TDFirstClass Visa Ininite* Card. Please keep
this document in a secure place for future reference. A copy of this document is also
available online at td.com/agreements for future reference.
This document includes:
Travel Medical Insurance Certificate
Trip Cancellation/Trip Interruption Insurance Certiicate
Common Carrier Travel Accident Insurance Certiicate
Delayed and Lost Baggage InsuranceCertiicate
Flight/Trip Delay Insurance Certiicate
Auto Rental Collision/Loss Damage InsuranceCertiicate
Purchase Security and Extended Warranty Protection Certiicate
Emergency Travel Assistance Services
Mobile Device Insurance Certiicate
Hotel/Motel Burglary Insurance Certiicate
TRAVEL M
EDICAL INSURANCE
If You are 64years of age or under: Coverage is provided for the irst 21consecutive days
of Your Covered Trip. If You are 65years of age or older: Coverage is provided for the irst
4consecutive days of Your Covered Trip. If the duration of Your trip will be longer than
21days or 4days, You can apply to extend Your coverage by contacting Our Administrator
at 18663741129.
Coverage under this Certiicate is provided by:
TDLife Insurance Company (“Insurer”)
P.O.Box1, TDCentre, Toronto, ON M5K1A2
Claims administration and adjudication services are provided by:
Global Excel Management Inc. (“Administrator”)
73Queen Street, Sherbrooke, QC J1M0C9
Phone: 18663741129or +14169774425
IMPORTANT NOTICE – READ CAREFULLY BEFORE YOU TRAVEL
We want You to understand (and it is in Your best interest to know) what Your coverage
includes, what it excludes, and what is limited (payable but with limits). Please take time to
read through Your Certiicate before You travel. Italicized and capitalized terms are deined
in Your Certiicate.
• Travel insurance covers claims arising from sudden and unexpected situations (e.g.,
accidents and emergencies).
• To qualify for this insurance, You must meet all the eligibility requirements.
• This insurance contains limitations and exclusions (e.g., Medical Conditions that are not
Stable, pregnancy, child born on trip, excessive use of alcohol, high risk activities, etc.).
• This insurance may not cover claims related to Pre-Existing Medical Conditions whether
disclosed or not.
• Contact Our Administrator at 18663741129 (toll-free) from Canada or the U.S., or
+14169774425 (collect) from other countries before seeking Treatment or Your beneits
may be limited or denied.
2
• In the event of a claim Your pr
ior medical history may be reviewed.
IT IS YOUR RESPONSIBILITY TO UNDERSTAND YOUR COVERAGE. Please read Your
Certiicate for speciic coverage, details, limitations and exclusions. If You have questions,
call 18663741129 or visit td.com/agreements
Section1– Summary of Beneits
Beneits
Medical Emergency Insurance
Maximum Beneit Payable
$2,000,000 per Insured Person per Covered Trip
Section2– Introduction
Certiicate of Insurance
This Certiicate applies to the TDFirstClass Travel Visa Ininite Card, which will be referred
to as a “TDCredit Card” throughout the Certiicate. TDLife Insurance Company (“TDLife”)
provides the insurance for this Certiicate under Group Policy No.TGV002 (the “Group
Policy”). Our Administrator administers the insurance on behalf of TDLife, and provides
medical and claims assistance, claims payment and administrative services under the
Group Policy. This Certiicate contains important information. Please read it carefully and
take it with You on Your trip.
How to contact Us
• Prior to travel, contact Our Administrator: Call 18663741129 (toll-free) from 8a.m. to
8p.m.ET, Monday to Friday.
• When travelling and You require emergency health care or 24Hour Emergency
Assistance, contact Our Administrator: Call 18663741129(toll-free) from Canada or the
U.S., or +14169774425 (collect) from other countries.
• In a Medical Emergency, You must call Our Administrator immediately, or as soon as
reasonably possible. If not, beneits will be limited as described in Section6– “Limitations and
Exclusions”, under “Medical Emergency Treatment requires pre-approval of Our Administrator.”
Some expenses will only be covered if Our Administrator approves them in advance.
Section3– Eligibility
The Primary Cardholder is eligible to be insured under this Certiicate if, throughout the
Covered Trip, the Primary Cardholder:
• is a resident of Canada;
• is covered under a GHIP or a valid health care plan in Canada for members of the
Canadian Armed Forces; and
• has an Account in Good Standing.
The Primary Cardholder’s Spouse is eligible to be insured under this Certiicate if,
throughout the Covered Trip:
• the Primary Cardholder is eligible to be insured under this Certiicate as described above,
even if the Primary Cardholder is not travelling; and
• the Spouse:
• is a resident of Canada;
• is covered under a GHIP or a valid health care plan in Canada for members of the
Canadian Armed Forces; and
• continues to meet the deinition of Spouse of the Primary Cardholder.
The Primary Cardholder’s Dependent Child is eligible to be insured under this Certiicate
whether or not the Primary Cardholder or the Primary Cardholder’s Spouse travels with them
if, throughout the Covered Trip:
• the Primary Cardholder is eligible to be insured under this Certiicate as described above,
even if the Primary Cardholder is not travelling; and
• the Dependent Child:
• is a resident of Canada;
• is covered under a GHIP or a valid health care plan in Canada for members of the
Canadian Armed Forces; and
• continues to meet the deinition of Dependent Child.
Exclusion: If a Dependent Child is born while the child’s mother is outside of her province or territory
of residence, the Dependent Child will not be eligible to be insured with respect to that trip.
An Additional Cardholder is eligible to be insured under this Certiicate if, throughout the
Covered Trip:
3
SEE OVERLEAF
• the Primary Cardholder is eligible to be insured under this Certiicate as described above,
even if the Primary Cardholder is not travelling; and
• the Additional Cardholder:
• is a resident of Canada;
• is covered under a GHIP or a valid health care plan in Canada for members of the
Canadian Armed Forces; and
• continues to meet the deinition of Additional Cardholder.
Note: The Spouse and children of an Additional Cardholder are not eligible for coverage
under this Certiicate unless they meet other eligibility requirements set out above (e.g., if the
child of an Additional Cardholder is also the Dependent Child of the Primary Cardholder).
Coverage after the Maximum Number of Covered Days:
• This Certiicate does not oer any coverage after the end of the Maximum Number of
Covered Days.
• If an Insured Person 64years of age and under is planning a trip that will last more than
21days, or an Insured Person 65years of age or older is planning a trip that will last more
than 4days, the Insured Person may want to purchase separate insurance for the number
of days that the trip will exceed the Maximum Number of Covered Days.
• Coverage may be available under a dierent TDLife group policy. Dierent terms and
conditions will apply and, depending on the Insured Person’s age and the length of their
trip, the Insured Person may be required to provide information about their health. Call
Our Administrator at 18663741129 prior to Your Departure Date for more information or
if You would like to obtain a quote.
Section4– Deinitions
In this Certiicate, the following words and phrases capitalized and italicized have the
meanings shown below. As You read through the Certiicate, You may need to refer to this
Sectionto ensure You have a full understanding of Your coverage, limitations and exclusions.
Account means the Primary Cardholder’s TDCredit Card Account that the Bank maintains.
Additional Cardholder means a person to whom a TDCredit Card has been issued at the
authorization of the Primary Cardholder.
Bank means The Toronto-Dominion Bank.
Certiicate means this Certiicate of Insurance.
Coverage Period means the time between when the eligible Insured Person departs on a
Covered Trip and the return date up to the Maximum Number of Covered Days. Please see
Section7– “How to Become Insured or Extend Coverage” of the Certiicate for full details.
Covered Trip means a trip:
• made by an Insured Person outside the Insured Person’s province or territory of residence;
• that does not exceed the Maximum Number of Covered Days, including the Departure
Date; and
• that does not extend to or past:
• the date the Insured Person no longer meets the eligibility requirements; or
• the date coverage terminates.
N
ote: In the event of a claim, the Insured Person will be required to submit proof of the
departure. Only a Medical Emergency occurring during a Covered Trip will be eligible for
consideration. Note that the day of departure counts as a full day for this purpose.
Exclusions:
• A Covered Trip does not include any trip for the purpose of commuting to or from an
Insured Person’s usual place of employment.
• Coverage is only provided under the Group Policy if the Medical Emergency occurs within
the Maximum Number of Covered Days that the Insured Person is irst away from their
province or territory of residence. Note that the day of departure counts as a full day for
this purpose.
Note: If the Insured Person’s trip exceeds the Maximum Number of Covered Days, the Insured
Person may want to purchase separate insurance under a dierent TDLife group policy for
the number of days that the trip will exceed the Maximum Number of Covered Days.
Dierent terms and conditions will apply and, depending on the Insured Person’s age and
the length of their trip, the Insured Person may be required to provide information about
their health. Call Our Administrator at 18663741129 prior to Your Departure Date for more
information or if You would like to obtain a quote.
4
Departure Date means the date the Insured Person left their home province/territory of residence.
Dependent Children mean Your natural, adopted, or stepchildren who are:
• unmarried;
• dependent on You for inancial maintenance and support; and
• under 22years of age; or
• under 26years of age and attending an institution of higher learning, full-time, in
Canada; or
• mentally or physically handicapped.
Dollars and $ mean Canadian dollars.
Eligible Medical Emergency Expenses are deined in Section5– “Description of Insurance
Coverage”.
Government Health Insurance Plan (GHIP) means a Canadian provincial or territorial
government health insurance plan.
Good Standing means an Account is in Good Standing if:
• the Primary Cardholder has applied for the Account;
• the Bank has approved and opened the Account;
• the Primary Cardholder has not advised the Bank to close the Account; and
• the Bank has not suspended or revoked credit privileges or otherwise closed the Account.
Hospital means:
•
an institution that is licensed as an accredited hospital that is staed and operated for the care
and Treatment of in-patient and outpatients. Treatments must be supervised by Physicians and
there must be registered nurses on duty 24hours a Day. Diagnostic and surgical capabilities
must also exist on the premises or in facilities controlled by the establishment;
• a Hospital is not an establishment used mainly as a clinic, extended or palliative care
facility, rehabilitation facility, addiction treatment centre, convalescent, rest or nursing
home, home for the aged or health spa.
Hospitalized or Hospitalization means conined as an in-patient in a Hospital.
Immediate Family Member means an Insured Person’s:
• Spouse, parents, stepparent, grandparents, natural or adopted children, stepchildren
or legal ward, grandchildren, brothers, sisters, stepbrothers, stepsisters, aunts, uncles,
nieces, nephews; and
• mother-in-law, father-in-law, brothers-in-law, sisters-in-law, sons-in-law, daughters-in-law;
and
• the Insured Person’s Spouse’s grandparents, brothers-in-law and sisters-in-law.
Insured Person means a person who is eligible to be insured under this Certiicate described
in Section3– “Eligibility”.
Maximum Number of Covered Days means the irst 21consecutive days for Insured Persons
64years of age and under, and the irst 4consecutive days for Insured Persons 65years
of age or older. The Departure Date counts as one full day for this purpose. Age will be
measured as of the Departure Date for this purpose.
Medical Condition means any disease, illness, or injury (including symptoms of undiagnosed
conditions; complication of pregnancy within the irst 31weeks of pregnancy; a mental or
emotional disorder, including acute psychosis that requires admission to a Hospital).
Medical Emergency means a sudden and unforeseen Medical Condition that occurs during
the Covered Trip and requires immediate Treatment. A Medical Emergency no longer exists
when the evidence reviewed by Our Administrator indicates that no further Treatment is
required at destination or You are able to return to Your province/territory of residence for
further Treatment.
Mountaineering means the ascent or descent of a mountain requiring the use of specialized
equipment, including crampons, pick-axes, anchors, bolts, carabiners or lead-rope or
top-rope anchoring equipment.
Physician means a person who is not You or Your Immediate Family Member or Your
Travelling Companion, licensed in the jurisdiction where the services are provided, to
prescribe and administer medical treatment.
Pre-Existing Medical Condition means any Medical Condition that exists in the Pre-existing
Medical Condition Period.
Pre-Existing Medical Condition Period with respect to any beneit under this Certiicate is
as follows:
5
SEE OVERLEAF
• Insured Persons 64years of age and under– 90days immediately before the beginning of
the Coverage Period; and
• Insured Persons 65years of age or older– 180days immediately before the beginning of
the Coverage Period.
Primary Cardholder means a person who applied for a TDCredit Card, whose name is on
the Accou
nt and to whom a TDCredit Card has been issued. A Primary Cardholder does not
include an Additional Cardholder.
Spouse means:
• the pers
on who the Insured Person is legally married to; or
• the person the Insured Person has lived with for at least 1continuous year in the same
household and publicly refers to as their partner.
Stable: a Medical Condition, is considered Stable when all of the following statements are true:
1. There has not been any new Treatment prescribed or recommended, or change(s) to
existing Treatment (including a stoppage in Treatment); and
2. there has not been any change to any existing prescribed drug (including an increase,
decrease, or stoppage to prescribed dosage), or any recommendation or starting of a
new Prescription Drug; and
3. the Medical Condition has not become worse; and
4. there has not been any new, more frequent or more severe symptoms; and
5. there has been no Hospitalization or referral to a specialist; and
6. there have not been any tests, investigation or Treatment recommended, but not yet
complete, nor any outstanding test results; and
7. there is no planned or pending Treatment.
All of the above conditions must be met for a Medical Condition to be considered Stable.
Note: The following exceptions are considered Stable:
• the routine adjustment of Coumadin, warfarin or insulin (as long as they are not newly
prescribed or stopped) and there has been no change in Your Medical Condition; or
•
a change from a brand name medication to a generic brand medication of the same dosage.
Travelling Companion means any person who travels with You during the Covered Trip and
who is sharing transportation and/or accommodation with You.
Exceptions: No more than 3individuals (including You) will be considered travel companions
on any one trip.
Treated or Treatment means a procedure prescribed, performed or recommended by a
Physician or other authorized healthcare professional for a Medical Condition. This includes
but is not limited to prescribed medication, investigative testing or surgery.
Usual, Customary and Reasonable Charges mean charges that do not exceed the general level
of charges made by other providers of similar standing in the geographical area where charges
are incurred for comparable Treatment, services or supplies for a similar Medical Emergency.
We, Us and Our mean TDLife Insurance Company.
You and Your mean the Primary Cardholder.
Section5– Description of Insurance Coverage
Travel Medical Emergency Coverage
Travel Medical Emergency coverage provides beneits to travellers in emergency medical
situations outside of Your province/territory of residence. We will pay a Medical Emergency
Beneit if an Insured Person suers a Medical Emergency during the Coverage Period on a
Covered Trip.
Medical Emergency Beneit means, subject to the maximum beneit payable of up to
$2,000,000 or the beneit amount payable described below (whichever is lower), the Usual,
Customary and Reasonable Charges for Eligible Medical Emergency Expenses, less all
amounts payable or reimbursable under a GHIP or any group or individual health plans or
insurance policies.
Eligible Medical Emergency Expenses mean:
1. Hospital beneit: Attendance at a Hospital for Treatment as an inpatient, outpatient, and
emergency basis, when approved in advance by Our Administrator.
2. Physicians’ bills: Fees charged by a Physician, when required as part of Treatment for a
Medical Emergency and approved in advance by Our Administrator.
3. Private duty nursing: Up to $5,000 for services performed and deemed necessary by a
registered nurse; including medically necessary nursing supplies.
6
4. Diagnostic services:
• Charges for diagnostic tests, laboratory tests and X-rays, which are:
• prescribed by the treating Physician; and
• approved in advance by Our Administrator if the tests involve:
magnetic resonance imaging (MRI);
computerized axial tomography(CAT) scans;
sonograms;
ultrasounds; or
any invasive diagnostic procedures including angioplasty.
5. Ambulance:
• charges for emergency ambulance service to the nearest approved Hospital.
6. Air Ambulance:
• charges for emergency air ambulance only if:
• Our Administrator determines that the Insured Person’s physical condition precludes
the use of any other means of transportation; and
• Our Administrator makes the determination before the service is provided; and
• Our Administrator pre-approves this service; and
• Our Administrator a
rranges this service.
7. Prescription Drugs:
• reimbursement of prescription drugs prescribed during the Covered Trip and required
as part of emergency Treatment.
Exclusion: Vitamins and patent, proprietary and experimental drugs are excluded.
8. Accidental Dental: Up to $2,000 for dental Treatment that is:
• required during the Coverage Period; and
• necessary because of a blow to natural or permanently installed teeth, which results
from an accident causing a Medical Emergency.
9. Emergency relief of dental pain: Treatment for emergency relief of dental pain is covered
up to a maximum of $200.
10. Medical Appliances: cost of casts, crutches, trusses, braces, slings, splints, medical
walking boots and/or the rental cost of a wheelchair or walker if:
• prescribed by a Physician; and
• required as a result of a Medical Emergency.
11. Emergency return home: The cost for a one-way economy fare and, if required to
accommodate a stretcher, a second one-way economy fare if:
• as a result of a Medical Emergency, Our Administrator determines that an Insured
Person should return to Canada for medical reasons; and
• Our Administrator approves the transportation in advance.
12. Transportation to Bedside: if an Insured Person is Hospitalized and is expected to remain
Hospitalized for at least 3consecutive days, the cost of one round-trip economy airfare
from Your Bedside Companion’s province or territory of residence, if it is:
• for the Insured Person’s Spouse, parent, child, brother or sister; and
• approved in advance by Our Administrator.
13. Bedside Companion Beneit
•
up to $150 per day, to a maximum of $1,500, for food and accommodation for a person if:
• Our Administrator has approved transportation for the person under either a
Transportation to Bedside beneit or a Travelling Companion Beneit; and
• Our Administrator has approved the Bedside Companion Beneit in advance.
14. Travelling Companion Beneit
• The cost of a single one-way economy airfare if:
• an Insured Person suers a covered Medical Emergency; and
• as a result, a Travelling Companion stays beyond their scheduled return date; and
• Our Administrator approves, in advance, the cost of a one-way economy airfare
back to the Travelling Companion’s place of departure.
15. Meals and accommodation
• Up to $350 per day to a maximum of $3,500, for Your:
• commercial accommodations and meals; and
• essential telephone calls and internet usage fees; and
• taxi fares (or rental car in lieu of taxi fares).
• If, upon a Physician’s discretion, You, or Your Travelling Companion, are relocated to
receive medical attention for a Medical Emergency covered under this insurance; or
• You are delayed beyond Your return date in order to receive Medical Emergency
Treatment; or
7
SEE OVERLEAF
• Your Travelling Companion requires Medical Emergency Treatment for any Medical
Condition covered under this insurance.
Note: Subject to pre-authorization from Our Administrator.
16. Incidental Hospital Expenses
Up to $50 per day to a maximum of $500, for the Insured Person’s incidental Hospital
expenses (telephone calls, television rental, parking), while the Insured Person is
Hospitalized for at least 48hours.
17. Vehicle Return: up to $1,000 towards the cost of returning an Insured Person’s vehicle to
their home or the nearest appropriate vehicle rental agency if:
•
the Insured Person is unable to return the vehicle because of a Medical Emergency; and
• Our Administrator arranges for the return of the vehicle.
18. Return of Deceased
• up to $5,000 towards the cost of preparation and transportation home of a deceased
Insured Person if death results from a covered Medical Emergency; or
• one round-trip economy airfare, if:
• an Immediate Family Member is required to identify or obtain release of the
deceased; and
• Our Administrator approves the transportation in advance.
Note: The cost of a burial casket or urn is not covered. The cost of funeral expenses at
home province or territory is also not covered.
19. Baggage Return
• If an Insured Person returns to their province or territory of residence by air ambulance
because of their Medical Emergency, this insurance covers the cost to return the
Insured Person’s baggage up to an overall maximum of $500 per Covered Trip.
What to do in a Medical Emergency
In a Medical Emergency, You or someone o
n your behalf must call Our Administrator
immediately, or as soon as reasonably possible. If not, beneits will be limited as described
below in Section6– “Limitations and Exclusions”, under “Failure to Report”. Some expenses
will only be covered if Our Administrator approves them in advance.
You can get help 24hours a day, 7days a week by contacting Our Administrator: Call
18663741129(toll-free) from Canada or the U.S., or +14169774425(collect) from other
countries.
Our Administrator will verify whether coverage is in eect and, if so, will direct You to the nearest
appropriate medical facility. Our Administrator will arrange for direct payment to the medical
services provider wherever possible. If a direct payment cannot be arranged, You may be asked
to pay for services and then submit a claim for reimbursement of eligible expenses.
NOTE: All payments and payment guarantees are subject to the terms, conditions,
limitations and exclusions of this Certiicate.
Section6– Limitations and Exclusions
Limitations and exclusions that apply to a particular beneit are found above, in the description
of those beneits. In addition, for all beneits, this Certiicate does not cover any Treatment,
services, or expenses of any kind caused directly or indirectly as a result of the following:
1. Pre-Existing Medical Condition
There is no coverage and no beneit will be paid for any Pre-Existing Medical Condition
that was not Stable during the Pre-Existing Medical Condition Period immediately
preceding the beginning of the Coverage Period.
• Pre-Existing Medical Condition Period:
• For Insured Persons 64years of age and under– 90days immediately before the
beginning of the Coverage Period; and
• For Insured Persons 65years of age or older– 180days immediately before the
beginning of the Coverage Period.
2. Failure to report
• A Medical Emergency must be reported by You to Our Administrator within 48hours of
admission to a Hospital, or as soon as reasonably possible. If it is medically impossible
for You to call, We ask that You have someone call Our Administrator on Your behalf
within 48hours of admission to a Hospital, or as soon as reasonably possible.
• If the Medical Emergency is not reported as required, the maximum beneit payable
with respect to the Medical Emergency will be 80% of the Eligible Medical Emergency
Expenses, to a limit of $30,000.
8
3.
F
ailure to obtain advance approval
• Where an Eligible Medical Emergency Expense speciies that it must be approved in
advance by Our Administrator, if advance approval is not obtained, no beneit will be
payable for that expense.
• No beneit will be paid with respect to any surgery or invasive procedure that has not
been approved in advance by Our Administrator, except in extreme circumstances
where a request for prior approval would delay necessary surgery in a life-threatening
medical crisis.
4.
Treatment once it to transfer to another facility or return to Your home province or territory
If Our Administrator determines that You should transfer to another facility or return to
Your home province/territory of residence for Treatment, and You choose not to, beneits
will not be paid for further medical Treatment.
5. Ongoing Medical Emergency Treatment requires pre-approval (Investigations, Treatment
and surgery)
After Your Medical Emergency Treatment has started, Our Administrator must assess
and pre-approve additional medical Treatment. If You undergo tests as part of a medical
investigation, Treatment or surgery, obtain Treatment or undergo surgery that is not
pre-approved, Your claim will not be paid. This includes but not limited to invasive testing,
surgery, cardiac catheterization, other cardiac procedures, transplant, and MRI.
6. Non-Emergency Services
We will not pay a beneit with respect to non-Medical Emergency, experimental or elective
Treatment, including:
• cosmetic surgery, chronic care, rehabilitation including any expenses for directly or
indirectly related complications;
• placement of new crowns, bridges, dentures.
7. Recurrence or ongoing Treatment once Medical Emergency has ended
• We will not pay a beneit with respect to the continued Treatment, recurrence or
complication of a Medical Condition or related condition, following Treatment during
Your trip, if Our Administrator determines that Your Medical Emergency has ended.
•
We will not pay a beneit with respect to the continued Treatment, recurrence or
complication of a Medical Condition or related condition where Treatment was received
without notiication to Our Administrator and Your Medical Emergency has ended.
8. Failure to meet the requirement to be covered by a GHIP or Canadian Armed Forces
health care plan
We will not pay a beneit if You are not covered under the GHIP of Your province or
territory of residence prior to and for the entire duration of the trip. It is Your responsibility
to check that You do have this coverage. There is no coverage if You do not have a valid
GHIP. Members of the Canadian Armed Forces must have a valid health care plan in
Canada prior to and for the entire duration of the Covered Trip.
9.
T
ravelling for the purpose of obtaining Treatment
• We will not pay a beneit if a trip is made for the purpose of obtaining a diagnosis,
medical Treatment, surgery, investigation, palliative care, or any alternative therapy, as
well as any directly or indirectly related complication.
1
0. Trave lling when Treatment could be expected
•
We will not pay a beneit if any Medical Condition or symptoms for which it is reasonable
to believe or expect that Treatment or Hospitalization will be required during Your trip.
• We will not pay a beneit if any evident symptoms that would be reasonable to expect
You to investigate in the 3months prior to Your Departure Date on a Covered Trip.
11. Medical Emergency occurring outside the Coverage Period
We will not pay a beneit if a Medical Emergency that occurs before the Coverage Period
begins or after it ends:
• For an Insured Person 64years of age and under, this means, for example, that no
beneit will be paid with respect to any Medical Emergency if an Insured Person’s
Medical Emergency occurs after the irst 21days following an Insured Person’s
Departure Date from their province or territory of residence.
• For an Insured Person 65years of age or older, this means, for example, that no beneit
will be paid with respect to any Medical Emergency if an Insured Person’s Medical
Emergency occurs after the irst 4days following an Insured Person’s Departure Date
from their province or territory of residence.
For clarity, no beneit will be paid with respect to a Medical Emergency that occurs after
11:59p.m.ET on the last day of the Coverage Period, if You have not purchased top-up
coverage. Note: The day of departure counts as a full day for this purpose.
9
SEE OVERLEAF
12. General
As noted above, the beneits payable under the Group Policy will be the actual cost of the
covered expense less:
• the amount reimbursable under GHIP; and
• the amount reimbursable through any other insurance or health plan coverage.
13. No beneit will be payable in connection with Treatment, services or expenses related to
or resulting from:
a) Misrepresentation
• Any Medical Condition for which You or an Insured Person provided Our
Administrator or Us with false or inaccurate information regarding Hospitalizations,
Treatment or medications.
b
)
C
laims related to expectant mother’s complications of pregnancy, or delivery
• claim related to routine pre-natal or post-natal care; or
• claim related to pregnancy, delivery or complications of either, arising 9weeks
before the expected date of delivery or any time after delivery; or
• child born during the Covered Trip.
c
)
I
ntentionally self-inlicted injuries
• intentionally self-inlicted injuries, suicide or attempted suicide, (whether or not
the Insured Person is aware of the result of their actions), regardless of the Insured
Person’s state of mind.
d
)
N
on-compliance with prescribed Treatment
• any Medical Condition that is the result of You not following medical Treatment as
prescribed to You, including prescribed or over-the-counter medication.
e
)
A
buse of alcohol, drugs or intoxicants
• Any Medical Condition, including symptoms of withdrawal, arising from, or in any
way related to, Your chronic use of alcohol, drugs or other intoxicants whether prior
to or during Your trip.
• Any Medical Condition arising during Your trip from, or in any way related to, the
abuse of alcohol, drugs or other intoxicants.
f
)
I
llegal Act
• Claim that results from or is related to Your involvement in the commission or
attempted commission of a criminal oence or illegal act in the country where the
claim was incurred, including driving while impaired or over the legal limit.
g
)
P
rofessional Sports or Racing
• participation in professional sports or any organized racing or speed contests.
h
)
W
ar or civil unrest
• an act of war, whether declared or undeclared; or
• hostile or warlike action in time of peace or war; or
• willing participation in a war, riot or civil unrest; or
• rebellion; or
• revolution; or
• insurrection; or
• any service in the armed forces while on duty.
i
) Commuting
• any trip that is primarily for the purpose of commuting to or from the Insured
Person’s usual place of employment.
j) Sports and High-Risk Activities
• accident that occurs while You are participating in:
• any sporting activity for which You are paid;
• any sporting event for which the winners are awarded cash prizes;
• any extreme sport or activity involving a high level of risk, such as those
indicated below, but not limited to:
parasailing, hang-gliding and paragliding;
parachuting and sky diving;
bungee jumping;
Mountaineering;
cave exploration;
scuba diving, outside the limits of Your certiication;
any airborne activity in any aircraft other than a passenger aircraft that holds
a valid certiicate of airworthiness;
any competition, motorized speed event or other high-risk activity on land, water
or air, including training activities, whether on approved tracks or elsewhere.
10
k) Travel Advisory
• where an oicial travel advisory was issued by the Canadian government stating,
“Avoid all non-essential travel” or “Avoid all travel” regarding the country, region or
city of Your destination, before Your Departure Date; or
• if the travel advisory or formal notice stating “Avoid all non-essential travel” or
“
Avoid all travel” is issued after Your Departure Date, Your coverage under this policy
in that speciic country, region or area will be limited to a period that is reasonably
necessary for You to safely evacuate the country, region or area.
To view the travel advisories, visit the Government of Canada Travel site.
This exclusion does not apply to claims for a Medical Emergency or a Medical
Condition unrelated to the travel advisory.
14. Tr
avel against medical advice
• any claim incurred after a Physician advised You not to travel.
15. Coverage and/or payment beneit prohibited by law
• this coverage shall be null and void and no beneit will be payable where the
coverage and/or payment of the beneit is prohibited by Canadian law or by any other
applicable national economic or trade sanctions law or regulation.
16. Family Members of an Additional Cardholder
• No beneit will be payable with respect to a person merely because that person is
the Spouse or a Dependent Child of an Additional Cardholder, unless that person is
otherwise eligible for insurance under this Certiicate.
Section7– How to Become Insured or Extend Coverage
How to Become Insured
You will have coverage if You meet the Eligibility Requirements for insurance described in
Section3– “Eligibility”.
When does Coverage Start and End
When Your Coverage Period Starts:
The Coverage Period begins on the Insured Person’s Departure Date for their Covered Trip.
Note: If the Insured Person’s trip is longer than the Maximum Number of Covered Days
(21consecutive days for Insured Persons 64years of age and under, and 4consecutive
days for Insured Persons 65years of age or older), then only a Medical Emergency occurring
within the irst Maximum Number of Covered Days following the departure from the Insured
Person’s province or territory of residence will be eligible for coverage. The day of departure
counts as a full day for this purpose.
When Your Coverage Period Ends:
Your Coverage Period ends on the earliest of the following:
• the date the Insured Person returns to their province or territory of residence from the
Covered Trip; or
• the end of the Maximum Number of Covered Days for that Insured Person (except as
described in the Automatic Extension of Coverage section); or
• the date the Group Policy terminates.
When Your Coverage Terminates:
Coverage for the Primary Cardholder under this Certiicate will terminate on the earliest of
the following dates:
• the date the Account is cancelled, closed or otherwise ceases to be in Good Standing;
• the date You cease to be eligible for coverage; or
• the date the Group Policy terminates.
Coverage for an Insured Person other than the Primary Cardholder under this Certiicate will
terminate on the earliest of the following dates:
• the date coverage terminates for the Primary Cardholder; or
• the date the Insured Person ceases to be eligible for coverage.
No beneits will be paid under this Certiicate for losses incurred after coverage has terminated.
Automatic Extension of Coverage
If an Insured Person is suering from a Medical Emergency at the end of the Maximum
Number of Covered Days for that Insured Person (the “Termination Date”), then the Coverage
Period is automatically extended to 72hours following the end of the Medical Emergency:
• for that Insured Person; and
• for any other Insured Person if:
11
SEE OVERLEAF
• Our Administrator has approved a Travelling Companion Beneit for that other Insured
Person; and
• that other Insured Person was insured under this Certiicate with respect to the
Covered Trip at the Termination Date.
However, under no circumstances will coverage continue after termination of the Group
Po
licy or the Account.
How to Top Up the Coverage Period
You c
an apply to top up the Coverage Period by contacting Our Administrator.
Coverage may be available under a dierent TDLife group policy. Dierent terms and
conditions will apply and, depending on the Insured Person’s age and the length of their
trip, the Insured Person may be required to provide information about their health. Call Our
Administrator at 18663741129 prior to Your Departure Date for more information or if You
would like to obtain a quote.
Section8– How to Submit a Claim
Who to Contact to Submit a Claim:
A Medical Emergency should always be reported immediately, or beneits will be limited. You
can get help 24hours a day, 7days a week by contacting Our Administrator at 18663741129
(toll-free) from Canada or the U.S., or +14169774425 (collect) from other countries.
Complete the Required Form
a) Request the Form: To request a claim form, call Our Administrator at 18663741129
(toll-free) from 8a.m. to 8p.m.ET, Monday to Friday.
b) Time limit from date of event: If You are making a claim, You must send Our Administrator
the appropriate claim forms, together with written proof of loss (e.g.,original invoices
and tickets, medical and/or death certiicates) as soon as possible. In every case, You
must submit Your completed claim form with required documentation within 1year from
the date of the accident or the date the claim arises. Failure to provide the applicable
documentation may invalidate Your claim.
Provide the Information Requested
To make a Medical Emergency claim, as part of the requirements above, under “Time limit
from date of event,” We will need documentation to substantiate the claim, including but not
limited to the following:
• a completed claim form; and
• proof of payment by You and by any other beneit plan; and
• the original itemized receipts for all bills and invoices; and
• proof of travel (including departure and return dates); and
• medical records, including complete diagnosis by the attending Physician or
documentation by the Hospital, which must support that the Treatment was medically
necessary; and
• proof of the accident if You are submitting a claim for dental expenses resulting from a
Medical Emergency; and
• Your historical medical records (if We determine applicable).
If You Do Not Report the Claim Immediately
In a Medical Emergency, You must call Our Administrator immediately, or as soon as is
reasonably possible. If not, beneits will be limited as described in Section6– “Limitations
and Exclusions”. If an Insured Person incurs Eligible Medical Emergency expenses without
irst contacting Our Administrator for assistance and claim management, they must irst
submit receipts and other proof to:
• GHIP; and
• then to any group or individual health plan(s) and/or insurer(s).
Eligible Medical Emergency expenses not covered by a GHIP or other plan or insurance must
be submitted to Our Administrator with proof of claim, receipts and payment statements.
The Insured Person must also provide proof of the actual Departure Date from their
province or territory of residence.
What Claimant Can Expect from Insurer
Once We have approved the claim, We will notify You and payment will be after receipt of
the required claim forms, documentation and written proof of loss. If the claim has been
denied, We will inform You of the claim denial reasons after receipt of the required claim
forms and written proof of loss.
12
If You Report the Claim Immediately
If O
ur Administrator guarantees or pays eligible expenses on behalf of an Insured Person,
then You and, if applicable, the Insured Person must sign an authorization form allowing Our
Administrator to recover those expenses:
• from the Insured Person’s GHIP; and
• from any health plan or other insurance; and
• through rights You may have against other insurers or other parties (see Section10–
“General Conditions”, under “Right of Subrogation”).
If Our Administrator pays eligible expenses that are covered under other insurance or
another plan, You, and if applicable, the Insured Person must help Our Administrator to seek
reimbursement as required. The Insured Person must also provide evidence of the actual
Departure Date from their province or territory of residence. If requested, an Insured Person
must conirm any return dates to their province or territory of residence, including any return
dates related to an interruption in a Covered Trip.
Note: If Our Administrator makes an advance payment for expenses that are later discovered
to be ineligible under this Certiicate, the Insured Person must reimburse Us.
Section9– How To Contact Our Administrator
1. 24Hour Emergency Assistance Number
To report a Medical Emergency or apply for a top-up or extension for a Covered Trip,
contact Our Administrator, 24hours a day, 7days a week, at 18663741129(toll-free)
from Canada or the U.S., or +14169774425(collect) from other countries.
2. Customer Service
Re: TDTravel Insurance c/o Global Excel Management Inc.
73Queen Street, Sherbrooke, Quebec J1M0C9 Fax: +18195692814
To request a claim form or for claims support, call Our Administrator at
18663741129(toll-free) from 8a.m. to 8p.m.ET, Monday to Friday.
Section10– General Conditions
Unless this Certiicate or the Group Policy states otherwise, the following conditions apply to
Your coverage:
Access to Medical Care
We and/or Our Administrator will assist You to access care whenever possible, however,
will not be responsible for the availability, quality or results of any medical Treatment or
transport, or for the failure of any Insured Person to obtain medical Treatment.
Beneit Payments
This Certiicate contains provisions removing or restricting the right of the Insured Person
to designate persons to whom or for whose beneit money is to be payable. This means
that under the Group Policy, neither You nor any Insured Person has the right to choose a
beneiciary who will receive any beneits payable under this Certiicate. Beneits are payable
to You or, on Your behalf, to Your medical service provider.
Coordination of Beneits with other insurance
•
All of Our coverages are excess insurance, meaning that any other sources of recovery You
have will pay irst, and this insurance coverage will be the last to pay. The total beneits
payable under all Your insurance, including this Certiicate, cannot be more than the
actual expenses for a claim. If an Insured Person is also insured under any other insurance
certiicate or policy, We will coordinate payment of beneits with the other insurer.
• In no case will We seek to recover against employment-related plans if the lifetime
maximum for all in-country and out-of-country beneits is $50,000 or less. If the
lifetime maximum for all in-country and out-of-country beneits is over $50,000, We will
coordinate beneits only above this amount.
Currency
All amounts are shown in Canadian currency.
False Claim
If You or an Insured Person make a claim knowing it to be false or fraudulent in any respect,
neither You nor the Insured Person will be entitled to the beneits of this coverage, nor to the
payment of any claim under the Group Policy.
Group Policy
All beneits under this Certiicate are subject in every respect to the Group Policy, which
13
SEE OVERLEAF
alone constitutes the agreement under which beneits will be provided. The principal
provisions of the Group Policy aecting Insured Persons are summarized in this Certiicate.
The Group Policy is on ile at the oice of the Policyholder and upon request, You are entitled
to receive and examine a copy of the Group Policy.
Legal Action Limitation Period
Every action or proceeding against the Insurer for the recovery of insurance money payable
under the contract is absolutely barred unless commenced within the time set out in
the Insurance Act (for actions or proceedings governed by the laws of Alberta or British
Columbia), The Insurance Act (for actions or proceedings governed by the laws of Manitoba),
the Limitations Act, 2002 (for actions or proceedings governed by the laws of Ontario), or
other applicable legislation. For actions or proceedings governed by the laws of Quebec, the
prescriptive period is set out in the Civil Code of Quebec.
Proof of Loss
The appropriate claims forms together with written proof of loss must be furnished as soon as
reasonably possible, but in all events within 1year from the date on which the loss occurred.
Relationship between Us and the Group Policyholder
TDLife Insurance Company is ailiated with The Toronto-Dominion Bank (“TDBank”).
Review and Medical Examination
When a claim is being processed, We will have the right and the opportunity, at Our own
expense, to review all medical records related to the claim and to examine the Insured
Person medically when and as often as may be reasonably required.
Right of Subrogation
There may be circumstances where another person or entity should have paid You for a loss
but instead We paid You for the loss. If this occurs, You agree to cooperate with Us so We
may demand payment from the person or entity who should have paid You for the loss. This
may include:
• transferring to Us the debt or obligation owing to You from the other person or entity;
• permitting Us to bring a lawsuit in Your name;
• if You receive funds from the other person or entity, You will hold it in trust for Us;
• acting so as not to prejudice any of Our r
ights to collect payment from the other person
or entity.
We wi
ll pay the costs for the actions We take.
TRIP CANCELLATION / TRIP INTERRUPTION INSURANCE
Coverage under this Certiicate is provided by:
TDLife Insurance Company and TDHome and Auto Insurance Company (“Insurer”)
P.O. Box 1, TDCentre, Toronto, ON M5K 1A2
Claims administration and adjudication services are provided by:
Global Excel Management Inc. (“Administrator”)
73 Queen Street, Sherbrooke, QC J1M 0C9
Phone: 18663741129 or +14169774425
This Certiicate contains a clause which may limit the amount payable.
IMPORTANT NOTICE – READ CAREFULLY BEFORE YOU TRAVEL
We want You to understand (and it is in Your best interest to know) what Your coverage
includes, what it excludes, and what is limited (payable but with limits). Please take time to
read through Your Certiicate before You travel. Italicized and capitalized terms are deined
in Your Certiicate.
• Travel insurance covers claims arising from sudden and unexpected situations (e.g.,
accidents and emergencies).
• To qualify for this insurance, You must meet all the eligibility requirements.
• This insurance contains limitations and exclusions (e.g., Medical Conditions that are not
Stable, pregnancy, child born on trip, excessive use of alcohol, high-risk activities, etc.).
• This insurance may not cover claims related to Pre-Existing Medical Conditions whether
disclosed or not.
14
• Contact Our Administrator at 18663741129 (toll-free) from Canada or the U.S., or
+14169774425 (collect) from other countries before You need to cancel or interrupt
Your Covered Trip or Your beneits may be limited or denied.
• In the event of a claim Your prior m
edical history may be reviewed.
IT IS YOUR RESPONSIB
ILITY TO UNDERSTAND YOUR COVERAGE. Please read Your
Certiicate for speciic coverage, details, limitations and exclusions.
Section1– Introduction
Certiicate of Insurance
Claims administration and adjudication services are provided by Global Excel Management
Inc. This Certiicate applies to the TDFirstClass Travel Visa Ininite Card, which will be referred
to as a “TDCredit Card” throughout the Certiicate. TDLife Insurance Company (“TDLife”)
provides the insurance for the Medical Covered Causes for Cancellation and the Medical
Covered Causes for Interruption under this Certiicate under Group Policy No.TGV003.
TDHome and Auto Insurance Company(“TDH&A”) provides the insurance for the
Non-Medical Covered Causes for Cancellation and the Non-Medical Covered Causes for
Interruption under this Certiicate under Group Policy No.TGV006. Together, these policies
are referred to as the “Group Policies”. This Certiicate contains important information. Please
read it carefully and take it with You on Your trip.
Section2– Summary of Beneits
Beneits Maximum Beneit Payable
Trip Cancellation Insurance $1,500 per Insured Person per Covered Trip
$5,000 total per Covered Trip for all Insured Persons on the
same Covered Trip
Trip Interruption Insurance $5,000 per Insured Person per Covered Trip
$25,000 total per Covered Trip for all Insured Persons on the
same Covered Trip
Note: If the value of an Insured Person’s Covered Trip exceeds the amounts listed above, You
may wish to speak to our travel agent or other travel supplier for excess coverage.
If You need to cancel or interrupt a trip: If a Covered Cause for Cancellation or Interruption
occurs, You or, if applicable, an Insured Person, must call the Administrator.
Section3– Eligibility
The Primary Cardholder is eligible to be insured under this Certiicate if, throughout the
Covered Trip, the Primary Cardholder:
• is a resident of Canada; and
• has an Account in Good Standing.
The Primary Cardholder’s Spouse is eligible to be insured under this Certiicate if,
throughout the Covered Trip:
• You are eligible to be insured under this Certiicate as described above, even if You are not
travelling; and
• the Spouse:
• is a resident of Canada; and
• continues to meet the deinition of Spouse of the Primary Cardholder.
The Primary Cardholder’s Dependent Child is eligible to be insured under this Certiicate
whether or not the Primary Cardholder and the Primary Cardholder’s Spouse travels with
them if, throughout the Covered Trip:
• You are eligible to be insured under this Certiicate as described above, even if You are not
travelling; and
• the Dependent Child:
• is a resident of Canada; and
• continues to meet the deinition of Dependent Child.
An Additional Cardholder is eligible to be insured under this Certiicate if, throughout the
Covered Trip:
• You are eligible to be insured under this Certiicate as described above, even if You are not
travelling; and
15
SEE OVERLEAF
• the Additional Cardholder:
• is a resident of Canada; and
• continues to meet the deinition of Additional Cardholder.
Note: An Additional Cardholder’s Spouse and c
hildren are not eligible to be insured. unless
they meet one of the other eligibility requirements described above (e.g., if the Additional
Cardholder’s child is also the Primary Cardholder’s Dependent Child).
Section4– Deinitions
In this Certiicate, the following words and phrases shown in italics have the meanings shown
below. As You read through the Certiicate, You may need to refer to this Section to ensure
You have a full understanding of Your coverage, limitations and exclusions.
Account means the Primary Cardholder’s TDCredit Card Account that the Bank maintains.
Account Holder means the person who was issued a TDCredit Card, whose name is on the
Account and who is a resident of Canada.
Additional Cardholder means a person to whom a TDCredit Card has been issued at the
authorization of the Primary Cardholder.
Bank means The Toronto-Dominion Bank.
Certiicate means this Certiicate of Insurance.
Common Carrier means any land, air or water conveyance (e.g., passenger plane, ferry, cruise
ship, bus, limousine, taxi or train), which is licensed to carry passengers without discrimination
and for hire, excluding courtesy transportation provided without a speciic charge.
Coverage Period means the period of time during which a covered event must occur for
a beneit to be payable. Furthermore, it means the Trip Cancellation Coverage Period or
the Trip Interruption Coverage Period, as applicable and as deined in Section7– “How to
Become Insured” of the Certiicate.
Covered Trip means a trip:
• made by an Insured Person outside the Insured Person’s province or territory of residence;
• that does not extend to or past:
• the date the Insured Person no longer meets the eligibility requirements; or
• the date coverage terminates
• that was booked or reserved prior to Departure Date from the Insured Person’s province or
territory of residence; and
• for which the full cost of the Covered Trip has been charged to Your Account and/or using
Your TDRewards Points.
Departure Date means the date the Insured Person left their province/territory of residence.
Dependent Children mean Your natural, adopted, or stepchildren who are:
•
unmarried; and
• dependent on You for inancial maintenance and support; and
• under 22years of age; or
• under 26years of age and attending an institution of higher learning, full time, in
Canada; or
• mentally or physically handicapped.
N
ote: A Dependent Child does not include a child born while the child’s mother is outside her
province or territory of residence during the Covered Trip. The child will not be insured with
respect to that trip.
Eective Date means the date Your Certiicate takes eect with respect to You, which is
the date on which an Account is opened by the Bank for You and You meet the eligibility
requirements. Covered Trips booked on or after the Eective Date shall be eligible for
coverage.
Good Standing means an Account is in Good Standing if:
• t
he Primary Cardholder has applied for the Account;
• the Bank has approved and opened the Account;
• the Primary Cardholder has not advised the Bank to close the Account; and
• the Bank has not suspended or revoked credit privileges or otherwise closed the Account.
H
ospital means an institution that is licensed as an accredited hospital that is staed and
operated for the care and Treatment of in-patients and out-patients. Treatment must be
supervised by Physicians and there must be registered nurses on duty 24-hours-a-day.
Diagnostic and surgical capabilities must also exist on the premises or in facilities controlled
by the establishment.
16
Note: A Hospital is not an establishment used mainly as a clinic, extended or palliative care
facility, rehabilitation facility, addiction treatment centre, convalescent, rest or nursing home,
home for the aged or health spa.
Hospitalized or Hospitalization means to be an in-patient in a Hospital.
Immediate Family Member me
ans an Insured Person’s:
• Spouse, parents, stepparent, grandparents, natural or adopted children, stepchildren
or legal ward, grandchildren, brothers, sisters, stepbrothers, stepsisters, aunts, uncles,
nieces, nephews; and
• mother-in-law, father-in-law, brothers-in-law, sisters-in-law, sons-in-law, daughters-in-law;
and
• the Insured Person’s Spouse’s grandparents, brothers-in-law and sisters-in-law.
Insured Person means a person who is eligible to be insured under this Certiicate.
Medical Condition means any disease, illness, or injury (including symptoms of undiagnosed
conditions; complication of pregnancy within the irst 31weeks of pregnancy; a mental or
emotional disorder, including acute psychosis that requires admission to a Hospital).
Note: A chronic condition or complications of a chronic condition are not considered
a Minor Ailment.
Mountaineering means the ascent or descent of a mountain requiring the use of specialized
equipment, including crampons, pick-axes, anchors, bolts, carabiners and lead-rope or
top-rope anchoring equipment.
Physician means a person who is not You or Your Immediate Family Member or Your
Travelling Companion, licensed in the jurisdiction where the services are provided, to
prescribe and administer medical treatment.
Pre-Existing Medical Condition means any Medical Condition that exists in the Pre-Existing
Medical Condition Period.
Pre-Existing Medical Condition Period with respect to any beneit under this Certiicate is
as follows:
• Insured Persons 64years of age and under– 90days immediately before the beginning
of the Coverage Period; and
• Insured Persons 6
5years of age or older– 180days immediately before the beginning
of the Coverage Period.
Pri
mary Cardholder means a person who applied for a TDCredit Card, whose name is on
the Account and to whom a TDCredit Card has been issued. A Primary Cardholder does not
include an Additional Cardholder.
Spouse means:
• the person who the Insured Person is legally married to; or
• the person the Insured Person h
as lived with for at least 1continuous year in the same
household and publicly refers to as their partner
Stable: a Medical Condition, is considered Stable when all of the following statements are true:
1. there has not been any new Treatment prescribed or recommended, or change(s) to
existing Treatment (including a stoppage in Treatment); and
2. there has not been any change to any existing prescribed drug (including an increase,
decrease, or stoppage to prescribed dosage), or any recommendation or starting of a
new prescription drug; and
3. the Medical Condition has not become worse; and
4. there have not been any new, more frequent or more severe symptoms; and
5. there has been no Hospitalization or referral to a specialist; and
6. there have not been any tests, investigation or Treatment recommended, but not yet
complete, nor any outstanding test results; and
7. there is no planned or pending Treatment.
All of the above conditions must be met for a Medical Condition to be considered Stable.
Note: The following exceptions are considered Stable
• the routine adjustment of Coumadin, warfarin or insulin (as long as they are not newly
prescribed or stopped) and there has been no change in Your Medical Condition; or
• a change from a brand name medication to a generic brand medication of the same
dosage.
TDRewards Points mean the rewards units earned for goods and services charged to the
Account through the TDTravel Rewards Program associated to the Account.
17
SEE OVERLEAF
Travelling Companion means any person who travels with You during the Covered Trip and
who is sharing transportation and/or accommodation with You.
Exceptions: No more than 3individuals (including You) wi
ll be considered Travel Companions
on any one trip.
Treated or Treatment m
eans a procedure prescribed, performed or recommended by a
Physician for a Medical Condition. This includes but is not limited to prescribed medication,
investigative testing and surgery.
We, Us and Our mean:
• TDLife with respect to the medically covered causes for Trip Cancellation and Trip
Interruption Insurance; and
• TDHome & Auto with respect to the non-medically covered causes for Trip Cancellation
and Trip Interruption Insurance.
You and Your mean the Primary Cardholder.
Section5– Description Of Insurance Coverage
Trip Cancellation and Trip Interruption Insurance Beneits
Trip Cancellation and Trip Interruption Insurance provides coverage for the following causes
for Cancellation and Interruption.
Trip Cancellation Insurance Beneits
We will pay a Trip Cancellation Beneit with respect to an Insured Person if they are required
to cancel a Covered Trip due to a Covered Cause for Cancellation listed below that occurs
during the Trip Cancellation Coverage Period for the Covered Trip.
Trip Cancellation Beneit means Eligible Trip Cancellation Expenses, subject to the
Maximum Beneit Payable described in Section2– “Summary of Beneits”.
Eligible Trip Cancellation Expenses mean one of the following two options:
1. Reimbursement for:
a) the portion of the Insured Person’s unused travel arrangements, which were:
• Paid in advance and the full cost was charged to Your Account and/or using
TDRewards Points;
• Forfeited as a result of a Covered Cause for Cancellation; and
• Non-refundable on the date the Covered Cause for Cancellation arose or non-
transferrable to another date; and
b) travel point administration cancellation fees that applied on the date the Covered
Cause for Cancellation arose, where applicable;
2. Or, in the alternative, if the Insured Person misses the scheduled departure as a result of a
Covered Cause for Cancellation, payment of reasonable transportation costs that are:
a) required for the Insured Person to travel to the destination of the Covered Trip by the
most direct route; and
b) approved in advance by the Administrator.
Exclusion: There will be no reimbursement for the cost of any additional travel insurance
or any expenses for which You are entitled to receive any form of compensation, including
but not limited to credits and vouchers.
Covered Causes for Cancellation
Covered Causes for Cancellation mean Medical Covered Causes for Cancellation and
Non-Medical Covered Causes for Cancellation, as described below.
a) Medical Covered Causes for Cancellation mean:
• death of an Insured Person or Travelling Companion;
• sudden and unexpected sickness or accidental injury of an Insured Person or Travelling
Companion if:
• it did not result from a Pre-Existing Medical Condition that was not Stable during the
Pre-Existing Medical Condition Period immediately preceding the beginning of the
Coverage Period;
• it prevents the Insured Person from starting the Covered Trip;
• a Physician certiies, in writing:
they have advised the Insured Person or Travelling Companion to cancel the
Covered Trip; or
the sickness or injury made it impossible for the Insured Person or Travelling
Companion to start the Covered Trip; and
the medical reason for the decision; and
18
the Insured Person or Travelling Companion provides the Physician’s certiication
to the Administrator before the scheduled Departure Date;
• death of an Immediate Family Member of the Insured Person;
• sudden and unexpected sickness or accidental injury of an Immediate Family
Member of the Insured Person; or
• the sudden and unexpected death or hospitalization of an Insured Person’s host at
the destination.
b) Non-Medical Covered Causes for Cancellation mean:
• an enforceable call of an Insured Person or Travelling Companion to jury duty or
sudden and unexpected subpoena of an Insured Person or Travelling Companion
to act as a witness in a court of law requiring the Insured Person’s or Travelling
Companion’s presence in court during the Covered Trip;
• a written formal notice issued by the Canadian government after the Insured Person’s
Covered Trip is booked, advising Canadians not to travel to a country, region or city
originally ticketed for the Covered Trip for a period that includes an Insured Person’s
Covered Trip;
•
an employment transfer of the Insured Person by the employer with whom the Insured
Person was employed on the date the Insured Person booked their Covered Trip, which
transfer requires the relocation of the Insured Person’s principal residence within
30days before the Insured Person’s scheduled Covered Trip departure date;
• a delay causing an Insured Person to miss a connection for a Common Carrier or
resulting in the interruption of an Insured Person’s travel arrangements, and is limited
to the following:
• delay of an Insured Person’s Common Carrier resulting from the mechanical failure
of that carrier;
• a traic accident or an emergency police-directed road closure (either must be
substantiated by a police report); or
• weather conditions.
• a natural disaster that renders an Insured Person’s principal residence uninhabitable;
• an Insured Person is quarantined in a situation where no Medical Covered Cause for
Cancellation applies;
• an Insured Person is hijacked; and
• an enforceable call to service of an Insured Person or Travelling Companion who is a
military, police or ire reservist.
Exclusion: The outright cancellation of Common Carrier travel is not considered a delay.
Limitation: The beneit under this Covered Cause for Cancellation is the Insured Person’s
one-way economy fare via the most cost-eective route to the Insured Person’s next
destination.
Trip Interruption Insurance Beneits:
We will pay a Trip Interruption Beneit with respect to an Insured Person if he or she is
prevented from continuing a Covered Trip as a result of a Covered Cause for Interruption
listed below that occurs during the Trip Interruption Coverage Period for the Covered Trip.
Trip Interruption Beneit means Eligible Trip Interruption Expenses, subject to the
Maximum Beneit Payable described in Section2– “Summary of Beneits”.
Eligible Trip Interruption Expenses mean:
• if the Insured Person must terminate the Covered Trip as a result of the Covered Cause for
Interruption, the lesser of:
• the cost of a one-way economy airfare to the point of departure, if the Administrator
approves this transportation in advance; or
• the fee charged by the airline to change the Insured Person’s date of return;
• if the Insured Person is delayed in reaching the next destination of their Covered Trip
as a result of a Covered Cause for Interruption, payment of reasonable additional
transportation costs that are:
• required for the Insured Person to rejoin a tour group by the most direct route; and
• approved in advance by the Administrator; and
• the portion of any unused land arrangements which were:
• part of the Insured Person’s Covered Trip;
• paid prior to the Insured Person’s date of departure; and
• non-refundable on the date the Covered Cause of Interruption occurred or for which
You are entitled to receive a credit or any other form of compensation.
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Exclusion: There will be no reimbursement for the cost of any additional travel insurance or
any expenses for which You are entitled to receive any form of compensation, including but
not limited to credits and vouchers.
Covered Causes for Interruption
Covered Causes for Interruption mean Medical Covered Causes for Interruption and
Non-Medical Covered Causes for Interruption, as described below.
a) Medical Covered Causes for Interruption mean:
• death of an Insured person;
• accidental injury or sickness of an Insured Person if:
• it does not result from a Pre-Existing Medical Condition that was not Stable during
the Pre-Existing Medical Condition Period immediately preceding the beginning of
the Coverage Period; and
•
in the opinion of the Administrator, it requires immediate medical attention; and either:
it prevents the Insured Person from continuing with the Covered Trip; or
the Insured Person will be delayed in reaching the next destination of their
Covered Trip;
• death of an Immediate Family Member of the Insured Person;
• sudden and unexpected sickness or accidental injury of an Immediate Family Member,
which requires an overnight stay in a Hospital.
b) Non-Medical Covered Causes for Interruption mean:
• a written formal notice issued during the Covered Trip by the Canadian government,
advising Canadians not to travel to a country, region or city originally ticketed for the
Covered Trip for a period that includes an Insured Person’s Covered Trip;
• a delay causing an Insured Person to miss a connection for a Common Carrier or
resulting in the interruption of an Insured Person’s travel arrangements, and is limited to
the following:
• a delay of an Insured Person’s Common Carrier, resulting from the mechanical
failure of that carrier;
• a traic accident or an emergency police-directed road closure (either must be
substantiated by a police report); or
• weather conditions.
• a natural disaster that renders an Insured Person’s principal residence uninhabitable;
• an Insured Person’s quarantine or hijacking; and
•
an enforceable call to service of an Insured Person who is a military, police or ire reservist.
Exclusion: The outright cancellation of a light is not considered as a delay.
Limitation: The beneit under this Covered Cause for Interruption is the Insured Person’s
one-way economy fare via the most cost-eective route to the Insured Person’s next
destination.
What to do if You need to Cancel Your Covered Trip
Reimbursement for the portion of the Insured Person’s unused travel arrangements which
were paid in advance and the full cost was charged to Your Account and/or using Your
TDRewards Points. The amount payable under Trip Cancellation Insurance coverage is
limited to the cancellation penalties in eect on the date the Covered Cause for Cancellation
occurs, so it’s important to cancel the Insured Person’s plans immediately but no later than
within 24hours of cancellation with Your travel agent or travel supplier. After the Insured
Person has cancelled their travel arrangements with the travel supplier, the Insured Person
will need to call Our Administrator immediately, and follow the instructions in Section8–
“How to Submit a Claim”.
What to do if You need to Interrupt Your Covered Trip
The Insured Person must call Our Administrator immediately at the 24-hour Emergency
Assistance number found in Section9– “How to Contact Our Administrator”. Some expenses are
only covered if they’re approved in advance by Our Administrator. All transportation expenses
must be pre-approved. Only the expenses that are non-refundable on the day the Covered
Cause for Interruption occurs are eligible for reimbursement, so contact Our Administrator
immediately but no later than within 24hours to discuss alternate travel arrangements.
Section6– Limitations and Exclusions
Limitations and Exclusions that Apply to Trip Cancellation
For Trip Cancellation, this Certiicate does not cover any Treatment, services, or expenses of
any kind caused directly or indirectly as a result of the following:
20
1. Pre-Existing Medical Condition
• Th
ere is no coverage and no beneit will be payable for any Pre-Existing Medical
Condition that was not Stable during the Pre-Existing Medical Condition Period
immediately preceding the Coverage Period.
2. Reasonably foreseeable conditions
• No beneit will be payable with respect to a sickness, accidental injury or quarantine
of the Insured Person that was reasonably foreseeable when the Trip Cancellation
Coverage Period began.
3. Cancellation penalties arising after Covered Cause for Cancellation
• Beneits will be limited to cancellation penalties in eect on the date the Covered
Cause for Cancellation arises, so it is important to cancel the Insured Persons travel
plans immediately.
4. Causes not covered
• No beneit will be payable with respect to cancellation of a Covered Trip for any reason
other than those listed under Covered Causes for Cancellation.
Limitations and Exclusions that Apply to Trip Interruption
For T
rip Interruption, this Certiicate does not cover any Treatment, services, or expenses of
any kind caused directly or indirectly as a result of the following:
1. Pre-Existing Medical Condition
• There is no coverage and no beneit will be payable for any Pre-Existing Medical
Condition that was not Stable during the Pre-Existing Medical Condition Period
immediately preceding the beginning of the Coverage Period.
2. Reasonably foreseeable conditions
• No beneit will be payable with respect to a sickness or accidental injury of the Insured
Person that was reasonably foreseeable when the Insured Person departed on the
Covered Trip.
3. Interruption occurring outside the Coverage Period
• No beneit will be payable with respect to an interruption that occurs before the Trip
Interruption Coverage Period begins or after it ends.
4. Sums that become non-refundable after the Covered Cause for Interruption occurs
• Only the sums that are non-refundable on the day the Covered Cause for Interruption
occurs will be eligible for the purposes of this claim, so it’s important to call the
Administrator immediately to discuss alternate arrangements.
5. Causes not covered
• No beneit will be payable with respect to Interruption of a Covered Trip for any reason
other than those listed under Covered Causes for Interruption.
6. Unused Return Travel
• Un
der no circumstance will Trip Interruption Beneits include the cost of prepaid
unused return travel.
Lim
itations and Exclusions that Apply to Trip Cancellation and Trip Interruption
For all beneits, this Certiicate does not cover any Treatment, services, or expenses of any
kind caused directly or indirectly as a result of the following:
1. Pre-Existing Medical Condition;
2. reasonably foreseeable Medical Conditions;
3. failure to report a Covered Cause for Trip Cancellation or Trip Interruption immediately;
4. failure to obtain advance approval from the Administrator for certain expenses, including
travel arrangements.
5. False Claim
If You or an Insured Person makes a claim knowing it to be false or fraudulent in any
respect, neither You nor the Insured Person will be entitled to the beneits of this coverage,
nor to the payment of any claim under the Group Policies.
6. Illegal act
• claim that results from or is related to Your involvement in the commission or
attempted commission of a criminal oence or illegal act in the jurisdiction where the
claim was incurred, including driving while impaired or over the legal limit.
7. Abuse of alcohol, drug, or intoxicants
• claim that results from or is related to Your chronic use of alcohol, drugs or other
intoxicants whether prior to or during Your Covered Trip; or
8. Claims related to expectant mother’s complications of pregnancy, or delivery
• c
laim related to routine pre-natal or post-natal care; or
• claim related to pregnancy, delivery or complications of either, arising 9weeks before
the expected date of delivery or any time after delivery.
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9. Child born during the Covered Trip
• claim related to Your child born during the Covered Trip.
10. War or civil unrest
• an act of war, whether declared or undeclared; or
• hostile or warlike action in time of peace or war; or
• willing participation in a riot or civil unrest; or
• rebellion; or
• revolution; or
• insurrection; or
• any service in the armed forces while on duty.
11. Travel advisory
• where an oicial travel advisory was issued by the Canadian government stating,
“Avoid all non-essential travel” or “Avoid all travel” regarding the country, region or city
of Your destination, before Your Coverage Period; or
• if the travel advisory or formal notice stating “Avoid all non-essential travel” or “Avoid
all travel” is issued after Your Departure Date, Your coverage under this policy in that
speciic country, region or area will be limited to a period that is reasonably necessary
for You to safely evacuate the country, region or area.
To view the travel advisories, visit the Government of Canada Travel site.
12. Other– Sports and High-Risk Activities
• participation in:
• any sporting activity for which You are paid;
• any sporting event for which the winners are awarded cash prizes;
• any extreme sport or activity involving a high level of risk, such as those indicated
below, but not limited to:
parasailing, hang-gliding and paragliding;
parachuting and sky diving;
bungee jumping;
Mountaineering;
cave exploration;
scuba diving, outside the limits of Your certiication;
any airborne activity in any aircraft other than a passenger aircraft that holds a
valid certiicate of airworthiness;
any competition, speed event or other high-risk activity involving the use of
a motor vehicle on land, water or air, including training activities, whether on
approved tracks or elsewhere.
13. Intentional self-inlicted injury
• intentional self-inlicted injury, suicide or attempted suicide (whether or not the Insured
Person is aware of the result of their actions), regardless of the Insured Person’s state of mind.
14. Reasons for Cancellation or Interruption occurring outside the Coverage Period
• an incident that occurs outside the Coverage Period.
For example, no beneit will be paid with respect to an incident that occurs after
11:59p.m.ET on the last day of the Coverage Period, if You have not extended Your
Coverage Period.
Note: The day of departure counts as a full day for this purpose.
15. Coverage and/or payment beneit prohibited by law
• This coverage shall be null and void and no beneit will be payable where the
coverage and/or payment of the beneit is prohibited by Canadian law or by any other
applicable national economic or trade sanctions law or regulation.
16. TDRewards Points or any other Frequent lyer plan rewards units
• Under no circumstance will any beneit be payable in connection with the value of
frequent lyer plan rewards units that have been lost or wasted.
Section7– How To Become Insured
How to Become Insured
You will have coverage if You meet the requirements in Section3– “Eligibility” for insurance.
When does Your Trip Cancellation and Trip Interruption Insurance Coverage Start and End
Trip Cancellation Coverage Period (when the Covered Causes for Cancellation occurs before
Your trip)
• The Trip Cancellation Coverage Period begins on the date the Covered Trip is booked or
reserved with the travel agent or other travel supplier and the full cost of the Covered Trip
has been charged to Your Account using a TDCredit Card and/or Your TDRewards Points.
22
The Trip Cancellation Coverage Period ends on the earlier of:
• th
e date the Insured Person departs or plans to depart on the Covered Trip; and
• the date this Certiicate terminates.
Trip Interruption Coverage Period (
when the Covered Causes for Interruption occurs during
Your trip)
• The Trip Interruption Coverage Period begins on the date the Insured Person completes a
portion of the Covered Trip as shown on their invoice or ticket provided the Covered Trip
is booked or reserved with the Insured Person’s travel agent or other travel supplier and
the full cost of the Covered Trip has been charged to Your Account using a TDCredit Card
and/or Your TDRewards Points.
The Trip Interruption Coverage Period e
nds on the earlier of:
• the date the Insured Person is scheduled to return from the Covered Trip; or
• the date this Certiicate terminates.
When Your Certiicate Terminates
Coverage for the Primary Cardholder under this Certiicate will terminate on the earliest of
the following dates:
• the date the Account is cancelled, closed or otherwise ceases to be in Good Standing;
• the date the Primary Cardholder ceases to be eligible for coverage; or
• the date the Group Policy terminates.
Coverage for an Insured Person other than the Primary Cardholder under this Certiicate will
terminate on the earliest of the following dates:
• the date coverage terminates for the Primary Cardholder; or
• the date the Insured Person ceases to be eligible for coverage.
No beneits will be paid under this Certiicate for losses incurred after coverage has
terminated.
Section8– How to Submit a Claim
IMPORTANT NOTE: You must report Your claim to Our Administrator immediately. You must
provide completed claim form with required supporting documentation to Our Administrator
as soon as possible, but no later than 1year after the date it occurred.
Who to Contact to Submit a Claim
Once the Insured Person has cancelled or needs to interrupt their Covered Trip with the travel
supplier, contact Our Administrator at 18663741129 (toll-free) from Canada or the U.S., or
+14169774425 (collect) from other countries.
Complete the Required Form
1. Request the Form: To request a claim form, call Our Administrator at 18663741129
(toll-free) from 8a.m. to 8p.m.ET, Monday to Friday.
2. Time limit from date of event: If You are making a claim, You must send Our Administrator
the appropriate claim forms, together with written proof of loss (e.g.,original invoices and
tickets, medical and/or death certiicates) as soon as possible. In every case, You must
report Your claim and submit Your completed claim form with required documentation
within 1year from the date of the accident or the date the claim arises. Failure to provide
the applicable documentation may invalidate Your claim.
Provide the Information requested
To make a Trip Cancellation or Trip Interruption claim, as part of the requirements above,
under “Time limit from date of event,” We will need documentation to substantiate the claim,
including but not limited to the following:
•
a completed claim form;
•
Your Account statement and any other documentation necessary to conirm that the full costs
of Eligible Expenses were charged to Your Account and/or using Your TDRewards Points;
• a medical document, fully completed by the legally qualiied Physician in active personal
attendance and in the locality where the Medical Emergency occurred, stating the reason
why travel was not recommended, the diagnosis and all dates of Treatment;
• written evidence of the covered cause of cancellation, interruption or delay;
• a travel supplier or tour operator terms and conditions detailing any cancellation
penalties or reimbursement for unused travel arrangements;
• complete original unused transportation tickets and vouchers;
•
reports from the police or local authorities documenting the cause of the missed connection;
• all receipts for the prepaid land arrangements as detailed in Your travel documents or
itinerary prior to departure;
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• all receipts for subsistence allowance expenses as approved by Our Administrator;
• original passenger receipts for new tickets;
• detailed invoices and/or receipts from the service provider(s);
•
any receipts for or proof of refund already obtained from travel suppliers or tour operators;
• the Insured Person will also be required to provide evidence of their actual or planned
Departure Date from their province or territory of residence;
• where the claim relates to a Medical Condition, a signed “Release of Medical Information”
authorization to allow Us to obtain any further information required to complete the claim
review.
Note: If Our Administrator makes an advance payment for expenses that are later discovered
to be ineligible under this Certiicate, the Insured Person must reimburse Us.
If You Report the Claim Immediately
If Our Administrator guarantees or pays eligible expenses on behalf of an Insured Person,
then You and, if applicable, the Insured Person must sign an authorization form allowing Our
Administrator to recover those expenses:
• from any health plan or other insurance; and
• through rights You may have against other insurers or other parties (see Section10–
“General Conditions”, under “Right of Subrogation”).
If Our Administrator pays eligible expenses that are covered under other insurance or
another plan, You and the Insured Person (if applicable) must help Our Administrator to seek
reimbursement as required.
The Insured Person must also provide evidence of the actual departure date from their
province or territory of residence. If requested, an Insured Person must conirm any return
dates to their province or territory of residence, including any return dates related to an
interruption in a Covered Trip.
Note: If Our Administrator makes an advance payment for expenses that are later discovered
to be ineligible under this Certiicate, the Insured Person must reimburse Us.
If You Do Not Report the Claim Immediately
It is important to cancel or interrupt Your Covered Trip immediately, but no later than
24hours following the Covered Cause for Cancellation or interruption because the amount
payable under this Certiicate may be limited to any penalties imposed by Your travel
provider(s) which are in eect on the date the Covered Cause for Cancellation or interruption
occurs. If not, beneits will be limited as described under “Trip Cancellation and Trip
Interruption Insurance Limitations and Exclusions”. Refer to Section9– “How to Contact Our
Administrator” for information on how to get a claim form.
What Claimant Can Expect from Insurer
Once We have approved the claim, We will notify You and payment will be made within
60days after receipt of the required claim forms, documentation and written proof of loss.
If the claim has been denied, We will inform You of the claim denial reasons within 60days
after receipt of the required claim forms and written proof of loss.
Section9– How to Contact Our Administrator
24-hour Emergency Assistance Number
To enquire about these beneits, or to make arrangements with respect to Trip Cancellation
and Trip Interruption Insurance, contact Our Administrator, 24hours a day, 7days a week,
at 18663741129 (toll-free) from Canada or the U.S., or +14169774425 (collect) from
other countries.
To request a claim form or for claims support, call Our Administrator at 18663741129
(toll-free) from 8a.m. to 8p.m.ET, Monday to Friday.
Section10– General Conditions
Unless this Certiicate or the Group Policy states otherwise, the following conditions apply to
Your coverage:
Access to Medical Care
We and/or Our Administrator will assist You to access care whenever possible, however will
not be responsible for the availability, quality or results of any medical Treatment, care or
transport, or for the failure of any Insured Person to obtain Treatment.
24
Beneit Payments
Th
is Certiicate contains provisions removing or restricting the right of the Insured Person
to designate persons to whom or for whose beneit money is to be payable. This means
that under the Group Policy, neither You nor any Insured Person has the right to choose a
beneiciary who will receive any beneits payable under this Certiicate. Beneits are payable
to You or, on Your behalf, to Your medical service provider.
Currency
All amounts shown are in Canadian currency.
Group Policy
All beneits under this Certiicate are subject in every respect to the Group Policy, which
alone constitutes the agreement under which beneits will be provided. The principal
provisions of the Group Policy aecting Insured Persons are summarized in this Certiicate.
The Group Policy is on ile at the oice of the Policyholder and upon request, You are entitled
to receive and examine a copy of the Group Policy.
Legal Action Limitation Period
Every action or proceeding against the insurer for the recovery of insurance money payable
under the contract is absolutely barred unless commenced within the time set out in
the Insurance Act (for actions or proceedings governed by the laws of Alberta or British
Columbia), The Insurance Act (for actions or proceedings governed by the laws of Manitoba),
the Limitations Act, 2002 (for actions or proceedings governed by the laws of Ontario), or
other applicable legislation. For actions or proceedings governed by the laws of Quebec, the
prescriptive period is set out in the Civil Code of Quebec.
Other insurance
All of Our coverages are excess insurance, meaning that any other sources of recovery You
have will pay irst, and this insurance coverage will be the last to pay. The total beneits
payable under all Your insurance, including this Certiicate, cannot be more than the
actual expenses for a claim. If an Insured Person is also insured under any other insurance
certiicate or policy, We will coordinate payment of beneits with the other insurer.
Recovery
In the event that You are found to be ineligible for coverage, or that a claim is found to be
invalid, or beneits are reduced in accordance with any policy exclusion or term or condition,
We have the right to collect from You any amount which We have paid on Your behalf to
service providers or other parties.
Relationship between Us and the Group Policyholder
TDLife Insurance Company and TDHome and Auto Insurance Company are ailiated with
The Toronto-Dominion Bank (“TDBank”).
Review and Medical Examination
When a claim is being processed, We will have the right and the opportunity, at Our own
expense, to review all medical records related to the claim and to examine the Insured
Person medically when and as often as may be reasonably required.
Right of Subrogation
There may be circumstances where another person or entity should have paid You for a loss
but instead We paid You for the loss. If this occurs, You agree to cooperate with Us so We
may demand payment from the person or entity who should have paid You for the loss. This
may include:
• transferring to Us the debt or obligation owing to You from the other person or entity; or
• permitting Us to bring a lawsuit in Your name; or
• if You receive funds from the other person or entity, You will hold it in trust for Us; or
• acting so as not to prejudice any of Our rights to collect payment from the other person
or entity.
We will pay the costs for the actions We take.
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COMMON CARRIER TRAVEL ACCIDENT INSURANCE
Coverage under this Certiicate is provided by:
TDLife Insurance Company (Insurer)
P.O. Box 1, TDCentre, Toronto, ON M5K 1A2
Claims administration and adjudication services are provided by:
Global Excel Management Inc. (“Administrator”)
73 Queen Street, Sherbrooke, QC J1M0C9
Phone: 18663741129 or +14169774425
Section1– Introduction
Certiicate of Insurance
Claims administration and adjudication services are provided by Global Excel Management
Inc. The Certiicate applies to the TDFirstClass Travel Visa Ininite Card, which will be
referred to as a “TDCredit Card” throughout the Certiicate. TDLife Insurance Company
(“TDLife”) provides the insurance for this Certiicate under Master Policy #TGV009 (the
“Policy”) issued to The Toronto-Dominion Bank. This Certiicate contains a clause which
may limit the amount payable.
Section2– Eligibility
Insured Person as deined provided that:
• Your Account privileges have not been terminated or suspended; and
• Your Account is not more than 90days past due; and
• Your TDCredit Card must be in Good Standing.
Section3– Deinitions
In this Certiicate, the following words and phrases shown in italics and capitalized have the
meanings shown below. As You read through the Certiicate, You may need to refer to this
Section to ensure You have a full understanding of Your coverage, limitations and exclusions.
Accidental Bodily Injury means bodily injury, which is accidental, is the direct source of a
Loss, is independent of disease, illness or other cause and occurs while this Policy is in force.
Account means the Primary Cardholder’s TDCredit Card Account that the Bank maintains.
Account Holder means the Primary Cardholder to whom the monthly Account statement is
issued, and who is a resident of Canada and any Additional Cardholder who is a resident of
Canada. The Account Holder may be referred to herein using “You” and “Your”.
Additional Cardholder means a person to whom a TDCredit Card has been issued at the
authorization of the Primary Cardholder.
Certiicate means this Certiicate of Insurance.
Bank means the Toronto-Dominion Bank.
Coma means a profound state of unconsciousness from which the Insured Person cannot
be aroused to consciousness even by powerful stimulation, as determined by a physician.
(Note: Coma beneits are available only to Dependent Children.)
Common Carrier means any licensed land, water or air conveyance operated by those
whose occupation or business is transportation of persons or things without discrimination
for hire. Common Carrier is extended to include any Airline having a Charter Air Carrier’s
Licence or its equivalent, provided it maintains regularly scheduled lights and publishes
timetables and fares consistent with scheduled airline practices and provided the aircraft
is limited to ixed-wing turbo-prop or jet aircraft. Rafts, amusement park rides, jet skis,
balloons, ski lifts and hang-gliders are not considered to be a Common Carrier.
Covered Trip means travel on a Common Carrier, the fare for which is fully charged to
Your Account, or paid for either in full or partially using Your TDRewards Points earned on
Your TDTravel Rewards Program. If Your TDRewards Points have only partially paid for Your
Common Carrier fare, the balance of that fare must be fully charged to Your Account.
Dependent Child(ren) mean(s) Your natural, adopted, or stepchildren who are:
•
unmarried; and
• dependent on You for inancial maintenance and support; and
26
• under 21years of age; or
• under 25years of age and attending an institution of higher learning, full time, in
Canada; or
• mentally or physically handicapped.
Good Standing means:
• the Primary Cardholder has applied for the Account;
• the Bank has approved and opened the Account;
• the Primary Cardholder has not advised the Bank to close the Account; and
• the Bank has not suspended or revoked credit privileges or otherwise closed the Account.
Immediate Family Member m
eans the Spouse, parents, grandparents, children age 18 and
over, brother or sister of the Insured Person.
Insured Person means the Account Holder, as well as the Account Holder’s Spouse and
Dependent Children whose name is on a ticket or a rental agreement.
Loss means the types of Accidental Bodily Injuries for which this insurance provides coverage.
Primary Cardholder means a person who applied for a TDCredit Card, whose name is on
the Account and to whom a TDCredit Card has been issued. A Primary Cardholder does not
include an Additional Cardholder.
Permanent Total Disability means that the Accidental Bodily Injuries sustained in a covered
accident solely and directly:
• prevent the Insured Person from performing all the substantial and material duties of the
Insured Person’s occupation; and
• cause a condition which is medically determined, by a physician approved by Our
Administrator, to be of continuous and indeinite duration; and
• require the continuous care of a physician, unless the Insured Person has reached their
maximum point of recovery; and
• prevent the Insured Person from engaging in any gainful occupation for which the Insured
Person is qualiied, or could be qualiied, by reason of education, training, experience, or skill.
The Permanent Total Disability must have existed for 12consecutive months.
(Note: Permanent Total Disability beneits are not available to Dependent Children.)
Rental Car means a four-wheel private passenger motor vehicle designed for travel on
public roads and rented from a licensed rental company for no more than 48consecutive
days. It does not include trucks, trailers, campers, recreational vehicles or motor vehicles
propelling or towing a trailer or any other object, o-road vehicles (meaning any vehicle used
on roads that are not publicly maintained), vans, or minivans that are manufactured to seat
more than 8occupants (including the driver) or when the vehicle is used to carry, haul or
transport any type of cargo or property or passengers for hire.
Spouse means:
• The person who the Account Holder is legally married to; or
• the person the Account Holder has lived with for at least 1continuous year in the same
household and publicly refers to as their partner.
TDRewards Points mean the rewards units earned for goods and services charged to the
Account through the TDTravel Rewards Program associated to the Account.
We, Us and Our mean TDLife Insurance Company.
Section4– Common Carrier Accident Coverage
Beneits will be paid as speciied in the Schedule of Beneits below if an Insured Person
suers a Loss arising from and occurring on a Covered Trip while the Insured Person is:
1. riding as a passenger in or entering or exiting any Common Carrier; or
2. at the airport, terminal or station, at the beginning or end of the Covered Trip.
If the purchase of the Common Carrier passage fare is not made prior to the Insured Person’s
arrival at the airport, terminal or station, coverage begins at the time the entire Common
Carrier passage fare is charged to the Insured Person’s Account.
Coverage includes circumstances arising from and occurring on a Covered Trip while the
Insured Person is riding as a passenger in, entering or exiting any Common Carrier, while
travelling directly to or from the airport, terminal, or station:
1. immediately preceding the departure of the scheduled Common Carrier conveyance on
which the Insured Person has purchased passage; and
2. immediately following the arrival of the scheduled Common Carrier conveyance on which
the Insured Person was a passenger.
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Section5– Rental Car Accident Coverage
Beneits will be paid as speciied in the Schedule of Beneits below if an Insured Person
suers a Loss while operating or riding as a passenger in, or boarding or alighting from any
Rental Car provided that:
a) the cost of the Rental Car was fully charged to Your Account; or paid either in full or
partially using Your TDRewards Points earned under Your TDRewards Points program.
If Your TDRewards Points have only partially paid for the cost of Your Rental Car, the
balance of that cost must be fully charged to Your Account; and
b) there has been no violation of the rental agreement by the Account Holder; and
c) the driver of the rented automobile is not legally intoxicated nor under inluence of any
narcotic unless prescribed by a licensed physician.
The maximum beneit payable for any one Rental Car Accident is $2,000,000 in total.
Section6– Schedule of Beneits and Important Conditions
If an Insured Person has multiple Losses as the result of one accident, only the single largest
beneit amount applicable to the Loss suered is payable. The following beneits are provided
if the Loss occurs as a result of an accident within 1year from the date of the accident:
A. Accidental Death or Dismemberment, Loss of Sight, Speech or Hearing and Paralysis
Beneits
Accidental Loss of Beneit Amount
Life $500,000
Speech and Hearing $500,000
Both Hands or Both Feet or Sight of Both Eyes or a Combination
of a Hand, or Foot or Sight of One Eye
$500,000
One Arm or One Leg $375,000
One Hand or One Foot or Sight of One Eye $333,350
Speech or Hearing $333,350
Thumb and Index Finger of the Same Hand $166,650
Paralysis
Quadriplegia (complete paralysis of both upper and lower limbs) $500,000
Paraplegia (complete paralysis of both lower limbs) $500,000
Hemiplegia (complete paralysis of upper and lower limbs of one side
of body)
$500,000
“Loss” with reference to hand or foot means complete severance through or above the
knuckle joint of at least four ingers of the same hand or threeingers and a thumb of the
same hand or the ankle joint; with reference to arm or leg means complete severance
through or above the elbow or knee joint; with reference to sight of an eye means the
permanent loss of vision in one eye; and with reference to thumb and index inger means
complete severance through or above the knuckle joints of the thumb and index inger.
“Loss” with reference to speech means the permanent and irrecoverable loss of the
capability of speech without the aid of mechanical devices; with reference to hearing means
the permanent and irrecoverable loss of hearing in both ears.
“Paralysis” means complete and irreversible loss of all motion or all practical use of an arm
or leg provided the loss is continuous for 12consecutive months.
B. Permanent Total Disability and Coma Beneits
Loss Beneit Amount
Permanent Total Disability $500,000
C
oma $500,000
i. P
ermanent Total Disability beneits are available only to You and Your Spouse. Beneit
amount (less any amount paid under Section6– “Schedule of Beneits and Important
Conditions” (A) and (B) is payable if an Insured Person sustains Permanent Total
28
Disability within 365days after the date of the accident and the Permanent Total
Disability continues for 12consecutive months.
ii. Coma beneits are available only to Your Dependent Child(ren). A
n elimination period
of 31days applies, which commences on the date the Dependent Child(ren) enter into
a Coma. Coma beneits are not payable, nor do they accrue, during an elimination
period. The Coma beneit amount is payable monthly at a rate of 1% of the beneit
amount shown above until the earliest of: 1)the date the Dependent Child dies; 2)the
date the Dependent Child is no longer in a Coma; or 3)total payments equal the Coma
beneit amount shown above. If the Dependent Child dies as a result of the accident
during the period for which this Coma beneit is payable, we will pay a lump sum
equal to the Dependent Child’s loss of life beneit amount, less Coma beneit amounts
already paid.
C. Exposure and Disappearance
i. W
hen by reason of an accident described in Section4– “Common Carrier Accidental
Coverage”, the Insured Person is unavoidably exposed to the elements and as a result of
such exposure suers a Loss, the amount set out in the Schedule of Beneits shall be paid.
ii. If the Insured Person has not been found within 1year of the disappearance, stranding,
sinking, wrecking or breakdown of a Common Carrier in which the Insured Person
was covered as an occupant, it will be assumed that the Insured Person has suered
a loss of life.
Section7– Special Beneits
a) Family Transportation Beneit
i. When an Insured Person is conined as an in-patient in a hospital due to Accidental
Bodily Injuries that result in a Loss, TDLife will pay for the expenses incurred to
transport an Immediate Family Member of the Insured Person to the hospital. Such
personal attendance must be recommended by an attending physician, and such
transportation must be via Common Carrier on the most direct route available.
ii. When an Insured Person’s Loss of life results in a Loss of life beneit amount being
payable, TDLife will pay for the expenses incurred by an Immediate Family Member of
the Insured Person for transportation to the place where the Insured Person’s body is
located for the purpose of identifying the Insured Person’s body. Such transportation
must be via Common Carrier on the most direct route available.
The maximum Family Transportation Beneit payable is $5,000 per Insured Person who is
hospitalized as described above.
b) Repatriation Beneit
When Accidental Bodily Injuries result in a Loss of life beneit amount being payable, and
the Loss of life occurs at least 100kilometres from the Insured Person’s permanent city
of residence, TDLife will pay for the cost of preparation and transportation of Insured
Person’s body to such place of residence. The maximum Repatriation Beneit payable is
$10,000 per Loss of life.
c) Rehabilitation Beneit
When Accidental Bodily Injury results in a Loss, an additional amount will be paid for
covered Rehabilitation expenses. Covered expenses are the reasonable and necessary
expenses actually incurred up to a maximum of $10,000 for treatment by a therapist or
coninement in an institution of an Insured Person provided:
i. such treatment is required in order to retrain the Insured Person for work in any gainful
occupation, including the Insured Person’s regular occupation; and
ii. expenses are incurred within 2years from the date of the accident. No payment will be
made for ordinary living, travelling or clothing expenses.
Section8– Payment of Beneits
The Loss of life beneit of an Account Holder will be paid to the designated beneiciary. This
choice must be in writing and iled with Our Administrator. All other beneit amounts for
Losses suered by the Account Holder are paid to the Account Holder. The Loss of life beneit
of a Spouse or Dependent Child will be paid to the Account Holder, if living, otherwise to the
designated beneiciary. This choice must be in writing and iled with Our Administrator. All
other beneit amounts for Losses suered by the Spouse or Dependent Child are paid to the
Spouse or Dependent Child, except that any amount payable for Losses sustained by a minor
will be paid to the minor’s legal guardian. If the Insured Person has not chosen a beneiciary,
or if there is no beneiciary alive when the Insured Person dies, TDLife will pay the beneit
amount to the Account Holder’s estate.
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SEE OVERLEAF
Section9– Exclusions
This Policy does not cover Loss caused by or resulting from any of the following:
a) Loss occurring while the employee is in, entering or exiting any aircraft while acting or
training as a pilot or crew member.
b) Loss resulting from suicide, attempted suicide or Loss that is intentionally self-inlicted.
c) Loss caused by bacterial infection except bacterial infection of an Accidental Bodily Injury,
or if death results from the accidental ingestion of a substance contaminated by bacteria.
d) Loss caused by or resulting from:
• an act of war, whether declared or undeclared; or
• hostile or warlike action in time of peace or war; or
• willing participation in a war, riot or civil unrest; or
• rebellion; or
• revolution; or
• insurrection; or
• any service in the armed forces while on duty.
We shall not provide any coverage or be liable to provide any indemnity or payment or other
beneit under this certiicate which would breach economic, inancial, or trade sanctions
imposed under the laws of Canada, the European Union, the United Kingdom or any other
applicable jurisdiction.
Section10– How to Submit a Claim
IMPORTANT NOTE: You must report Your claim to Our Administrator within 30days after the
date of the occurrence of commencement of any Loss covered by this Certiicate or as soon
as reasonably possible. You must provide completed claim form with required supporting
documentation to Our Administrator as soon as possible, but no later than 90days after the
date of Loss.
Who to Contact to Submit a Claim
To submit a claim, please contact Our Administrator at 18663741129 (toll-free) from
Canada or the U.S.; or +14169774425 (collect) from other countries.
Complete the Required Form
1) Request the Form: To request a claim form, call Our Administrator at 18663721129
(toll-free) from 8a.m. to 8p.m.ET, Monday to Friday.
2) Time limit from date of event: If You a
re making a claim, You must report Your claim to Our
Administrator within 30days after the date of Loss. You must send Our Administrator the
appropriate claim forms, together with written proof of Loss (e.g.,original invoices and
tickets, medical and/or death certiicates) as soon as possible, but no later than 90days
after the date of Loss. Failure to provide the applicable documentation may invalidate
Your claim.
Section11– When Your Coverage Terminates
The insurance coverage of any Insured Person shall terminate on the earliest of the following:
a) the date the Policy is terminated;
b) the expiration of the Policy term for which premium has been paid;
c)
the date the Account Holder’s Account is cancelled or their Account privileges are terminated.
Section12– General Conditions
Conformance with Statutes
Any terms of this Policy which are in conlict with the applicable statutes, laws or regulations of
the province or territory in which this Policy is issued are amended to conform to such statutes.
Group Policy
This Certiicate is a description of coverage provided by Policy #TGV009 issued to
The Toronto-Dominion Bank. All terms and conditions of the Policy govern. In no event does
possession of multiple certiicates or TDCredit Cards entitle an Insured Person to beneits in
excess of those described herein for any Loss sustained.
Legal Action Limitation Period
Every action or proceeding against the insurer for the recovery of insurance money payable
under the contract is absolutely barred unless commenced within the time set out in
the Insurance Act (for actions or proceedings governed by the laws of Alberta or British
Columbia), The Insurance Act (for actions or proceedings governed by the laws of Manitoba),
the Limitations Act, 2002 (for actions or proceedings governed by the laws of Ontario), or
30
other applicable legislation. For actions or proceedings governed by the laws of Quebec, the
presc
riptive period is set out in the Civil Code of Quebec.
Physical Examination and Autopsy
Our Administrator has the right to have the Insured Person examined by a physician
approved by Our Administrator, as often as reasonably necessary while a claim is
pending. Our Administrator may also have an autopsy done, unless prohibited by law. Any
examinations or autopsies that we require will be done at Our Administrator’s expense and
by a physician.
DELAYED AND LOST BAGGAGE INSURANCE
Coverage under this Certiicate is provided by:
TDHome and Auto Insurance Company (“Insurer”)
P.O. Box 1, TDCentre, Toronto, ON M5K 1A2
Claims administration and adjudication services are provided by:
Global Excel Management Inc. (“Administrator”)
73 Queen Street, Sherbrooke, QC J1M0C9
Phone: 18663741129 or +14169774425
Section1– Introduction
Certiicate of Insurance
Claims administration and adjudication services are provided by Global Excel Management
Inc. The Certiicate applies to the TDFirstClass Travel Visa Ininite Card, which will be
referred to as a “TDCredit Card” or “Card” throughout the Certiicate. TDHome and Auto
Insurance Company (“TDH&A”) provides the insurance for this Certiicate under Master
Policy #TDVB112008 (the “Policy”) issued to The Toronto-Dominion Bank. This Certiicate
contains a clause which may limit the amount payable.
Section2– Summary of Beneits
Beneits
Delayed/Lost Baggage
Maximum Beneit Payable
$1,000 per Covered Person per Trip
Section3– Eligibility
Covered Person as deined provided that:
• Your Account privileges have not been terminated or suspended; and
• Your Account is not more than 90days past due; and
• Your TDCredit Card must be in Good Standing.
Section4– Deinitions
In this Certiicate, the following words and phrases shown in italics and capitalized have the
meanings shown below. As You read through the Certiicate, You may need to refer to this
Section to ensure You have a full understanding of Your coverage, limitations and exclusions.
Account means the Primary Cardholder’s TDCredit Card Account that the Bank maintains.
Account Holder means the Primary Cardholder to whom the monthly Account statement is
issued and who is a resident of Canada, and any Additional Cardholder who is a resident of
Canada. The Account Holder may be referred herein as “You” or “Your”.
Additional Cardholder means a person to whom a TDCredit Card has been issued at the
authorization of the Primary Cardholder.
Baggage Delay mean a Covered Person’s Checked Baggage is delayed by more than
6hours from the Covered Person’s time of arrival at the Final Destination.
Bank means The Toronto-Dominion Bank.
Certiicate means this Certiicate of Insurance.
Checked Baggage means suitcases or other containers speciically designated for carrying
personal belongings, for which a baggage claim check has been issued to the Covered
Person by a Common Carrier.
31
SEE OVERLEAF
Common Carrier means any land, air, or water conveyance, which is licensed to carry
passengers for compensation and which undertakes to carry all persons indierently who
may apply for passage, so long as there is room, and there is no legal excuse for refusal.
Covered Person me
ans the Account Holder, Account Holder’s Spouse or Dependent Children
whose name is on the Ticket, or, if no name is on the Ticket, for whom a Ticket has been purchased.
Dependent Child(ren) mean(s) Your natural, adopted, or stepchildren who are:
• unmarried; and
• dependent on You for inancial maintenance and support; and
• under 21years of age; or
• under 25years of age and attending an institution of higher learning, full time, in
Canada; or
• permanently, mentally and physically challenged and incapable of self-support.
Essential Items mean essential clothing and toiletries that the Covered Person was carrying
in the baggage, which the Covered Person must replace during the period of Baggage Delay.
Final Destination means the away-from-home ticketed destination for any particular day of
travel, as shown on Your Ticket.
Good Standing: An Account is in Good Standing if:
• the Primary Cardholder has applied for the Account;
• the Bank has approved and opened the Account;
• the Primary Cardholder has not advised the Bank to close the Account; and
• the B
ank has not suspended or revoked credit privileges or otherwise closed the Account.
Pri
mary Cardholder means a person who applied for a TDCredit Card, whose name is on
the Account and to whom a TDCredit Card has been issued. A Primary Cardholder does not
include an Additional Cardholder.
Spouse means:
• the person who the Account Holder is legally married to; or
• the person the Account Holder h
as lived with for at least 1continuous year in the same
household and publicly refers to as their partner.
TDR
ewards Points mean the rewards units earned for goods and services charged to the
Account through the TDTravel Rewards Program associated to the Account.
Ticket means evidence of the fare paid for travel on a Common Carrier and paid in full
by (1)charge to Your Account, (2)by redemption of TDRewards Points earned under Your
TDTravel Rewards Program, or (3)by a combination of (1) and (2).
Our means TDLife Insurance Company.
Section5– Description of Insurance Coverage
Delayed and Lost Baggage coverage provides beneits when baggage is delayed, lost or
stolen while with the Common Carrier.
A. Delayed Baggage
In the event of Baggage Delay, the Account Holder will be reimbursed for the cost to
replace Essential Items provided those purchases are made before the baggage is
returned to the Covered Person but in no event more than 96hours after arriving at the
Final Destination.
B. Lost Baggage
In the event the Common Carrier never locates the Covered Person’s Checked Baggage,
the Covered Person will be reimbursed for the portion of the replacement cost of lost
personal property that is not paid by the Common Carrier or other insurance.
The total beneits payable in respect of sub-sections A and B are subject to a maximum of
$1,000 per Covered Person perTrip.
To activate coverage, use Your TDCredit Card to pay the full cost of the Ticket. Coverage will
be in force while baggage is in the custody of the Common Carrier.
Section6– Limitations and Exclusions
No coverage is provided for: Losses occurring when the Checked Baggage is delayed on
a Covered Person’s return home to their province or residence; expenses incurred more
than 96hours after arriving at the Final Destination shown on the Ticket; expenses incurred
after the Checked Baggage is returned to the Covered Person; losses caused by or resulting
from any criminal act by the Covered Person; baggage not checked; baggage held, seized,
quarantined or destroyed by customs or government agency; money; securities; credit cards
and other negotiable instruments; Tickets and documents.
32
Section7– Termination of Coverage
Coverage terminates on the earliest of the following:
1. When Your Account is closed;
2. When Your Account is 90or more days past due, but coverage is automatically reinstated
when the Account is returned to Good Standing;
3. When the Policy is cancelled except that the Insurer will remain liable for the claim if the
event giving rise to the claim occurred prior to the eective termination date and the
claim is otherwise valid.
Section8– How to Submit A Claim
The Account Holder must furnish the Insurer with proof of claim. This shall include a signed
Loss report.
Who to Contact to Submit a Claim
a) Initial Notiication – If You have incurred a claim covered under the Delayed/Lost
Baggage Plan, You must give notice by contacting Our Administrator within 45days from
the date of the occurrence of the delay.
Call 18663741129 (toll-free) from Canada or the U.S., or +14169774425 (collect) from
other countries between 8:00a.m. and 8:00p.m.ET, Monday to Friday.
The Covered Person will be asked to provide or, if writing, should provide:
• the name, address, and telephone number;
• the account number;
• the date, time and place of the occurrence of the delay or Loss; and
• the amount of the claim.
b) Written Proof – Complete the Required Form
• Request the Form: To request a claim form, call Our Administrator at 18663741129
(toll-free) Canada or the U.S., or +14169774425 (collect) from other countries from
8a.m. to 8p.m.ET, Monday to Friday.
• Time limit from date of event: If You are making a claim, You must send Our
Administrator the appropriate claim forms, together with written proof of Loss
(e.g.,original invoices and Tickets) as soon as possible. In every case, You must submit
Your completed claim form with required documentation within 90days from the date
of occurrence of the delay or Loss. Failure to provide the applicable documentation
may invalidate Your claim.
Provide the information requested
The Loss report shall include but may not be limited to:
• a copy of the Ticket;
• a copy of the baggage claim Ticket;
• a copy of the Account charge receipt or TDCredit Card statement for the cost of the
Ticket and/or proof of redemption;
• a copy of a statement from Your homeowner’s or tenant’s insurance carrier indicating
the extent to which You have been reimbursed for any items permanently lost with Your
baggage;
• itemized receipts for actual expenses incurred for essential clothing and toiletries;
• a written statement from the Common Carrier conirming all of the following speciics:
• the date and time of delay or Loss;
• the date and time that baggage was returned, or if not returned, a statement of the
amount of liability accepted by the Common Carrier, if any;
• the reason or circumstances surrounding the delay or Loss; and
• any other information reasonably required by the Insurer.
W
hat Claimant Can Expect from Insurer
Once We have approved the claim, We will notify You and payment will be made within
60days after receipt of the required claim forms, documentation and written proof of Loss.
If the claim has been denied, We will inform You of the claim denial reasons within 60days
after receipt of the required claim forms and written proof of Loss.
Section9– General Conditions
Conformance with Statutes
Any terms of this Policy which are in conlict with the applicable statutes, laws or regulations of
the province or territory in which this Policy is issued are amended to conform to such statutes.
33
SEE OVERLEAF
False Claim
If an Account Holder makes any claim knowing it to be false or fraudulent in any respect,
such Account Holder shall no longer be entitled to the beneits of this protection nor to the
payment of any claim made under the Policy.
Legal Action Limitation Period
Every action or proceeding against the Insurer for the recovery of insurance money payable
under the contract is absolutely barred unless commenced within the time set out in
the Insurance Act (for actions or proceedings governed by the laws of Alberta or British
Columbia), The Insurance Act (for actions or proceedings governed by the laws of Manitoba),
the Limitations Act, 2002 (for actions or proceedings governed by the laws of Ontario), or
other applicable legislation. For actions or proceedings governed by the laws of Quebec, the
prescriptive period is set out in the Civil Code of Quebec.
Master Group Policy
This Certiicate is a description of coverage provided by Policy #TDVB112008 issued to
The Toronto-Dominion Bank. All terms and conditions of the Policy govern. In no event does
possession of multiple certiicates or TDCredit Cards entitle a Covered Person to beneits in
excess of those described herein for any Loss sustained.
Other insurance
All of Our policies are excess insurance, meaning that any other sources of recovery You
have will pay irst, and this insurance policy will be the last to pay. The total beneits payable
under all Your insurance, including this Certiicate, cannot be more than the actual expenses
for a claim. If a Covered Person is also insured under any other insurance certiicate or
policy, We will coordinate payment of beneits with the other insurer.
Subrogation with Respect to Lost Baggage
As a condition to the payment of any claim to an Account Holder under the Certiicate, the
Account Holder and/or any Covered Person shall, upon request, transfer or assign to the
Insurer all legal rights against all other parties for the Loss. The Account Holder shall give
the Insurer all such assistance as the Insurer may reasonably require to secure its rights and
remedies, including the execution of all documents necessary to enable the Insurer to bring
suit in the name of the Account Holder and/or Covered Person.
FLIGHT/TRIP DELAY INSURANCE
Coverage under this Certiicate is provided by:
TDHome and Auto Insurance Company (“Insurer”)
P.O. Box 1, TDCentre, Toronto, ON M5K 1A2
Claims administration and adjudication services are provided by:
Global Excel Management Inc. (“Administrator”)
73 Queen Street, Sherbrooke, QC J1M0C9
Phone: 18663741129 or +14169774425
Section1– Introduction
Certiicate of Insurance
Claims administration and adjudication services are provided by Global Excel Management
Inc. The Certiicate below applies to the TDFirstClass Travel Visa Ininite Card, which will be
referred to as a “TDCredit Card” throughout the Certiicate. TDHome and Auto Insurance
Company (“TDH&A”) provides the insurance for this Certiicate under Master Policy #TGV010
(the “Policy”) issued to The Toronto-Dominion Bank. This Certiicate contains a clause which
may limit the amount payable.
How to contact Us:
You may contact Our Administrator by calling: 18663741129 (toll-free) from Canada or the
U.S., or +14169774425 (collect) from other countries.
Section2– Summary of Beneits
Up to $500 for reasonable expenses for meals and accommodation if your light/trip is
delayed for an eligible cause for 4hours or more.
34
Section3– Eligibility
The Insured Person is eligible to be insured under this Certiicate, if the Primary Cardholder
has not advised the Policyholder to close the Account and/or the Policyholder has not
suspended or revoked credit privileges or otherwise closed the Account. The Account must
be in Good Standing.
Section4– Deinitions
In this Certiicate, the following words and phrases shown in italics and capitalized have the
meanings shown below. As You read through the Certiicate, You may need to refer to this
Section to ensure You have a full understanding of Your coverage, limitations and exclusions.
Account means the Primary Cardholder’s TDCredit Card Account that the Bank maintains.
Account Holder means the Primary Cardholder to whom the monthly Account statement is
issued, and who is a resident of Canada and any Additional Cardholder who is a resident of
Canada. The Account Holder may be referred to herein using “You” and “Your”.
Additional Cardholder means a person to whom a TDCredit Card has been issued at the
authorization of the Primary Cardholder.
Bank means The Toronto-Dominion Bank.
Certiicate means this Certiicate of Insurance.
Common Carrier means any licensed land, water or air conveyance operated by those
whose occupation or business is transportation of persons or things without discrimination
for hire. Common Carrier is extended to include any Airline having a Charter Air Carrier’s
Licence or its equivalent, provided it maintains regularly scheduled lights and publishes
timetables and fares consistent with scheduled airline practices and provided the aircraft
is limited to ixed-wing turbo-prop or jet aircraft. Rafts, amusement park rides, jet skis,
balloons, ski lifts and hang-gliders are not considered to be a Common Carrier.
Covered Trip means travel on a Common Carrier, the fare for which at least 75% has been
charged to Your Account and/or using Your TD Rewards Points.
Dependent Children mean Your natural, adopted, or stepchildren who are:
• unmarried; and
• dependent on You for inancial maintenance and support; and
• under 22years of age; or
•
under 26years of age and attending an institution of higher learning, full time, in Canada; or
• mentally or physically handicapped.
Note: A Dependent Child does not include a child born while the child’s mother is outside her
province or territory of residence during the Covered Trip. The child will not be insured with
respect to that trip.
Good Standing means:
• the Primary Cardholder has applied for the Account;
• the Bank has approved and opened the Account;
• the Primary Cardholder has not advised the Bank to close the Account; and
• the Bank has not suspended or revoked credit privileges or otherwise closed the Account.
Insured Person means the Account Holder, as well as the Account Holder’s Spouse and
Dependent Children whose name is on a Common Carrier ticket.
Primary Cardholder means a person who applied for a TDCredit Card, whose name is on
the Account and to whom a TDCredit Card has been issued.
Spouse means:
• the person who the Account Holder is legally married to; or
• the person the Account Holder has lived with for at least 1 continuous year in the same
household and publicly refers to as their partner.
TD Rewards Points mean the rewards units earned for goods and services charged to the
Account through the TD Rewards Program associated to the Account.
We, Us and Our mean TDHome and Auto Insurance Company and/or Our Administrator.
35
SEE OVERLEAF
Section5– Description of Insurance Coverage
In the event that a departure of a Common Carrier on a Covered Trip on which the Insured
Person had arranged to travel is delayed for 4hours from the time speciied in the itinerary
supplied to the Insured Person, We will pay up to $500 for reasonable expenses for meals
and accommodation while delayed and reasonable additional ground transportation
expenses. Beneits payable are subject to the following:
1. Delay of a Common Carrier is caused by inclement weather, which means any severe
weather condition that delays the scheduled arrival or departure of a Common Carrier; or
2. Delay caused by equipment failure of a Common Carrier, which means any sudden,
unforeseen breakdown in the Common Carrier’s equipment that delays the scheduled
arrival or departure of a Common Carrier; or
3. Delay due to an unforeseen strike or other job action by employees of a Common Carrier,
which means any labour disagreement that delays the scheduled arrival or departure of a
Common Carrier.
This coverage for Flight/Trip Delay does not include any loss caused directly and/or indirectly
due to:
1. An event which was made public or known to the Insured Person prior to the date the trip
was booked;
2. Laws, regulations or orders issued or made by any government or Public Authority;
3. Strikes or labour disputes that existed or of which advanced warning had been given prior
to the date the Covered Trip was booked;
4. Cancellation due to the withdrawal from service temporarily or permanently of any
Common Carrier on the orders or recommendations of any Port Authority or the Aviation
Agency of any similar body in any country; or
5. A bomb search or bomb threat.
The Flight/Trip Delay beneit is excess over any other insurance or indemnity (including any
reimbursements by the Common Carrier) available to the Insured Person.
Section6– When Your Coverage Terminates
Your Coverage Terminates when:
Coverage for the Primary Cardholder under this Certiicate will terminate on the earliest of
the following dates:
• the date the Account is cancelled, closed or otherwise ceases to be in Good Standing;
• the date You cease to be eligible for coverage; and
• the date the Group Policy terminates.
Coverage for an Insured Person other than the Primary Cardholder under this Certiicate will
terminate on the earliest of the following dates:
•
t
he date coverage terminates for the Primary Cardholder; and
• the date the Insured Person ceases to be eligible for coverage.
No beneits will be paid under this Certiicate for losses incurred after coverage has
terminated.
Section7– How to Submit a Claim
If You have incurred a claim covered under the Flight/Trip Delay Insurance Certiicate, You
must give notice by contacting Our Administrator within 45days from the date of the delay.
I
MPORTANT NOTE: You must provide completed claim form with required supporting
documentation, including the Loss Report, to Our Administrator as soon as possible, but no
later than 90days from the date of occurrence of the delay.
The Loss Report shall include but may not be limited to:
• a copy of the Common Carrier ticket;
• a copy of the Account charge receipt or TDCredit Card statement for the cost of the
Common Carrier and/or proof of redemption;
• itemized receipts for actual expenses incurred for essential items and other expenses
incurred as a result of Your Flight/Trip Delay;
• a written statement from the Common Carrier conirming the date and time of the
Common Carrier delay;
• the reason or circumstances surrounding the delay; and
• any other information reasonably required by Our Administrator.
36
Who to Contact to Submit a Claim:
A claim should always be reported within 45days. You can get help 24hours a day, 7days
a week by calling Our Administrator at 18663741129 (toll-free) from Canada or the U.S., or
+14169774425 (collect) from other countries.
Complete the Required Form
a) Request the Form: To request a claim form, call Our Administrator at
18663741129
(toll-free) or +14169774425(collect) from 8a.m. to 8p.m.ET, Monday to Friday.
b) Time limit from date of event: If You are making a claim, You must send Our Administrator
the appropriate claim forms, together with written proof of loss (e.g.,original invoices and
tickets) as soon as possible. In every case, You must submit Your completed claim form
with required documentation within 90days from the date of the accident or the date the
claim arises. Failure to provide the applicable documentation may invalidate Your claim.
What Claimant Can Expect from Insurer
Once We have approved the claim, We will notify You and payment will be made within
60days after receipt of the required claim forms, documentation and written proof of loss.
If the claim has been denied, We will inform You of the claim denial reasons within 60days
after receipt of the required claim forms and written proof of loss.
Section8– General Conditions
False Claim
If You or an Insured Person make a claim knowing it to be false or fraudulent in any respect,
neither You nor the Insured Person will be entitled to the beneits of this coverage, nor to the
payment of any claim under the Group Policy.
Group Policy
All beneits under this Certiicate are subject in every respect to the Group Policy, which
alone constitutes the agreement under which beneits will be provided. This Group Policy
is issued to the Bank. The principal provisions of the Group Policy aecting Insured Persons
are summarized in this Certiicate. The Group Policy is on ile at the oice of the Bank. In no
event does possession of multiple certiicates or TDCredit Cards entitle an Insured Person to
beneits in excess of those described herein.
Legal Action Limitation Period
Every action or proceeding against the Insurer for the recovery of insurance money payable
under the contract is absolutely barred unless commenced within the time set out in
the Insurance Act (for actions or proceedings governed by the laws of Alberta or British
Columbia), The Insurance Act (for actions or proceedings governed by the laws of Manitoba),
the Limitations Act, 2002 (for actions or proceedings governed by the laws of Ontario), or
other applicable legislation. For actions or proceedings governed by the laws of Quebec, the
prescriptive period is set out in the Civil Code of Quebec.
Other Insurance
All of Our coverages are excess insurance, meaning that any other sources of recovery You
have will pay irst, and this insurance policy will be the last to pay. The total beneits payable
under all Your insurance, including this Certiicate, cannot be more than the actual expenses
for a claim. If an Insured Person is also insured under any other insurance certiicate or
policy, We will coordinate payment of beneits with the other insurer.
Right of Subrogation
There may be circumstances where another person or entity should have paid You for a loss
but instead We paid You for the loss. If this occurs, You agree to co-operate with Us so We
may demand payment from the person or entity who should have paid You for the loss.
This may include:
• transferring to Us the debt or obligation owing to You from the other person or entity; or
• permitting Us to bring a lawsuit in Your name; or
• if You receive funds from the other person or entity, You will hold it in trust for Us; or
• acting so as not to prejudice any of Our r
ights to collect payment from the other person
or entity.
We wi
ll pay the costs for the actions We take.
37
SEE OVERLEAF
AUTO RENTAL COLLISION / LOSS DAMAGE INSURANCE
Coverage under this Certiicate is provided by:
TDHo
me and Auto Insurance Company (“Insurer”)
P.O. Box 1, TDCentre, Toronto, ON M5K1A2
Claims administration and adjudication services are provided by:
Global Excel Management Inc. (“Administrator”)
73 Queen Street, Sherbrooke, QC J1M0C9
Phone: 18663741129 or +14169774425
Plea
se note that in Alberta and British Columbia, Statutory Conditions are deemed to be
part of every contract that includes insurance against loss or damage to property and said
Statutory Conditions are included in the Policy.
Section1– Introduction
Certiicate of Insurance
The Certiicate below applies to the TDFirstClass Travel Visa Ininite Card, which will be
referred to as a “TDCredit Card” throughout the Certiicate. Please read this Certiicate
carefully. It outlines what Collision/Loss Damage Insurance is and what is covered along
with the conditions under which a payment will be made when You rent and operate a rental
vehicle but do not accept the Collision Damage Waiver (CDW) or its equivalent oered by the
Rental Agency. It also provides instructions on how to make a claim. This Certiicate should
be kept in a safe place and carried with You when You travel.
TDHome and Auto Insurance Company (referred to in this Certiicate as the “Insurer”),
provides the insurance for this Certiicate under Policy TDV092010 (referred to in this
Certiicate as the “Policy”). Our Administrator administers the insurance on behalf of
TDHome and Auto Insurance Company, and provides claims assistance, claims payment
and administrative services under the Group Policy.
This Certiicate is not a contract of insurance. It contains only a summary of the principal
provisions of the Policy.
All beneits are subject in every respect to the Policy which alone constitutes the Agreement under
which payments are made. This Certiicate contains a clause which may limit the amount payable.
This coverage may be cancelled, changed or modiied at the option of the card issuer or the
Insurer Company with at least 30days written notice to the Primary Cardholder.
How to contact Us
You may contact our Administrator by calling: 18663741129 (toll-free) from Canada or the
U.S. or +14169774425 (collect) from other countries.
Section2– Eligibility
Who is Eligible for Coverage?
Insured Persons as deined provided that:
1. Your Card Account privileges have not been terminated or suspended; and/or
2. Your Card Account i
s not more than 90days past due.
Cove
rage Activation
For coverage to be in eect, You must:
1. Use Your TDCredit Card to pay for the entire rental from a Rental Agency.
2. Decline the Rental Agency’s CDW option or similar coverage oered by the Rental Agency
on the rental contract. If there is no space on the vehicle rental contract for You to
indicate that You have declined the coverage, then indicate in writing on the contract “I
decline CDW provided by this merchant”.
• Rental vehicles which are part of prepaid travel packages are also covered if the total
package was paid by Your TDCredit Card.
• You are covered if You receive a “free rental” as a result of a promotion where You have
had to make previous vehicle rentals and if each such previous rental was entirely paid
for with Your TDCreditCard.
• You are covered if You receive a “free rental” day(s) as a result of the TDTravel Rewards
Program for the number of days of free rental (or similar TDCredit Card program). If the
38
free rental day(s) are combined with rental days for which You pay the negotiated rate,
this entire balance must be paid by Your TDCreditCard.
• You are covered if TDRewards Points are used to obtain the rental. If partial payment is
pa
id using Your TDRewards Points, the remaining balance of that rental must be paid
using Your TDCreditCard in order to be covered.
TD Rewards Points or any ot
her Frequent Flyer Plan Rewards Units
Under no circumstances will any beneit be payable in connection with the value of
TDRewa
rds Points or frequent lyer plan rewards units that have been lost or wasted.
Section3– Deinitions
In this Certiicate, the following words and phrases shown in italics and capitalized have the
meanings shown below. As You read through the Certiicate, You may need to refer to this
Section to ensure You have a full understanding of Your coverage, limitations and exclusions.
Account means the Primary Cardholder’s TDCredit Card Account that the Bank maintains.
Account Holder means the Primary Cardholder to whom the monthly Account statement is
issued and who is a resident of Canada, and any Additional Cardholder who is a resident of
Canada. The Account Holder may be referred herein as “You” or “Your”.
Additional Cardholder means a person to whom a TDCredit Card has been issued at the
authorization of the Primary Cardholder.
Bank means The Toronto-Dominion Bank.
Car Sharing means a car rental club which gives its members 24-hour access to a leet of
cars parked in a convenient location.
Certiicate means this Certiicate of Insurance.
Good Standing means:
• the Primary Cardholder has applied for the Account;
• the Bank has approved and opened the Account;
• the Primary Cardholder has not advised the Bank to close the Account; and
• the B
ank has not suspended or revoked credit privileges or otherwise closed the Account.
In
sured Person means:
1. You the Account Holder who presents themselves in person at the Rental Agency, signs
the rental contract, declines the Rental Agency’s Collision Damage Waiver (CDW) or its
equivalent and takes possession of the rental vehicle and who complies with the terms of
this Policy.
2. Any other person who drives the same rental vehicle with Yo
ur permission whether or
not such person has been listed on the rental vehicle contract or has been identiied to
the Rental Agency at the time of making the rental, however, You and all drivers must
otherwise qualify under and follow the terms of the rental contract and must be legally
licensed and permitted to drive the rental vehicle under the laws of the jurisdiction in
which the rental vehicle shall be used.
Im
portant: Check with Your personal automobile insurer and the Rental Agency to ensure
that You and all other drivers have adequate third-party liability, personal injury and damage
to property coverage. This policy only covers loss or damage to the rental vehicle as
stipulated herein.
Loss of Use means the amount paid to a Rental Agency to compensate it when a rental
vehicle is unavailable for rental while undergoing repairs for damage incurred during the
rental period.
Primary Cardholder means a person who has applied for a TDCredit Card, whose name is
on the Account and to whom a TDCredit Card has been issued.
Rental Agency means an auto Rental Agency licensed to rent vehicles and which provides a
rental agreement. Throughout this Certiicate the terms ‘rental company’ and ‘rental agency’
refer to both traditional auto rental agencies and Car Sharing Programs.
Rental Agency’s CDW means an optional Collision Damage Waiver (CDW) or similar
coverage oered by car rental companies that relieves renters of inancial responsibility if the
car is damaged or stolen while under rental contract. Rental Agency’s CDW is not insurance.
Tax-free Car means a tax-free car package that provides tourists with a short-term (17days
to 6months), tax-free vehicle lease agreement with a guaranteed buyback. The Collision/
Loss Damage Insurance program will not provide coverage for Tax-free Cars.
TDRewards Points mean the rewards units earned for goods and services charged to the
Account through the TDTravel Rewards Program associated to the Account.
39
SEE OVERLEAF
Section4– Description of Insurance Coverage
Collision/Loss Damage Insurance at a Glance
• Only the Cardholder may rent a vehicle and decline the Rental Agency’s CDW or an
equivalent coverage oering. This coverage applies only to the Insured Person’s personal
and business use of the rental vehicle.
• Your TDCredit Card must be in good standing.
• You must initiate and complete the entire rental transaction with the same TDCreditCard.
• The full cost of the rental must be charged to Your TDCredit Card to activate coverage.
• Coverage is limited to one rental vehicle at a time, i.e.,if during the same period there is
more than one vehicle rented by the Cardholder, only the irst rental will be eligible for
these beneits.
• The length of time You rent the same vehicle or vehicles must not exceed 48consecutive
days, which follow one immediately after the other. In order to break the consecutive
day cycle, a full calendar day must exist between rental periods. If the rental period
exceeds 48consecutive days, coverage will not be provided from the irst day onwards,
e.g.,coverage will not be provided for either the irst 48consecutive days or any
subsequent days. Coverage may not be extended for more than 48days by renewing or
taking out a new rental agreement with the same or another Rental Agency for the same
vehicle or another vehicle.
• Coverage is limited to loss/damage to, or theft of a rental vehicle only up to the rental
vehicle’s actual cash value plus valid Loss of Use charges.
•
The Cardholder must decline on the rental contract the CDW option or its equivalent oered
by the Rental Agency. (The Collision/Loss Damage Insurance coverage does not pay for the
premium charged by the Rental Agency for the CDW oered by the Rental Agency.)
• Most vehicles are covered by the Policy. (A list of vehicles excluded from this coverage is
outlined in the subsection “Types of Vehicles Covered”.)
• Collision/Loss Damage (CLD) Insurance provides coverage when You use Your TDCredit
Card to pay for the full cost of a rental vehicle and decline the CDW (or an equivalent
coverage) oered by the Rental Agency. There is no additional charge for the CLD
Insurance. The coverage compensates You or a Rental Agency for loss/damages up to the
actual cash value of the rented vehicle and valid Rental Agency Loss of Use charges when
the conditions described below are met.
• Coverage is available except where prohibited by law.
• Claims must be reported within 48hours of the damage/loss occurring by calling
18663741129 (toll-free) from Canada or the U.S., or +14169774425 (collect) from
other countries.
PLEASE READ THE FOLLOWING COVERAGE DESCRIPTION CAREFULLY FOR MORE
DETAILED INFORMATION ON CONDITIONS AND EXCLUSIONS.
CLD Insurance is primary insurance (except for losses that may be waived or assumed by the
Rental Agency or their insurer, and in such circumstances where local government insurance
legislation states otherwise) which pays the amount for which You are liable to the Rental
Agency up to the actual cash value of the damaged or stolen rental vehicle as well as valid
Loss of Use charges resulting from damage or theft occurring while You are the renter of the
rental vehicle.
The length of time You rent the same vehicle or vehicles must not exceed 48consecutive
days. If You rent the same vehicle or vehicles for more than 48consecutive days, no
coverage is provided for any part of your rental period.
Where Coverage is Available
This coverage is available on a 24-hour basis unless precluded by law or the coverage is in
violation of the terms of the rental contract in the jurisdiction in which it was formed (other
than described in Section5– “Limitations and Exclusions”, under #7). (See Section9–
“Helpful Hints” for tips on locations where use of this coverage may be challenged and what
to do when a Rental Agency makes the rental or return of a vehicle diicult.)
Types of Vehicles Covered
The types of rental vehicles covered include:
All cars, sport utility vehicles, and Mini-Vans (deined as vans made by an automobile
manufacturer and classiied by the manufacturer or a government authority as Mini-Vans
made to transport a maximum of 8people including the driver and which are used exclusively
for the transportation of passengers and their luggage) except those excluded below.
40
Section5– Limitations and Exclusions
Collision/Loss Damage (CLD) Insurance does NOT include loss arising directly or indirectly from:
1. a replacement vehicle for which Your personal automobile insurance is covering all or
part of the cost of the rental;
2. third party liability;
3. personal injury or damage to property, except the rental vehicle itself or its equipment;
4. the operation of the rental vehicle at any time during which any Insured Person is driving
while intoxicated or under the inluence of any narcotic;
5. any dishonest, fraudulent or criminal act committed by any Insured Person;
6. wear and tear, gradual deterioration, or mechanical or electrical breakdown or failure,
inherent vice or damage, insects or vermin;
7. operation of the rental vehicle in violation of the terms of the rental agreement except:
a) Insured Persons as deined, may operate the rental vehicle;
b) the rental vehicle may be driven on publicly maintained gravel roads;
c) the rental vehicle may be driven across provincial and state boundaries in Canada and
the U.S. and between Canada and the U.S.
NOTE: It must be noted that loss/damage arising while the vehicle is being operated, as
described in #7, is covered by this insurance. However, the Rental Agency’s third-party
insurance will not be in force and, as such, You must ensure that You are adequately insured
privately for third-party liability.
8. seizure or destruction under a quarantine or customs regulations or coniscated by order
of any government or public authority;
9. transportation of contraband or illegal trade;
10. war; or civil unrest; or an act of war, whether declared or undeclared; or hostile or warlike
action in time of peace or war; or willing participation in a riot or civil unrest; or rebellion;
or revolution; or insurrection; or any service in the armed forces while on duty;
11. transportation of property or passengers for hire;
12. nuclear reaction, nuclear radiation, or radioactive contamination;
13. intentional damage to the rental vehicle by an In
sured Person.
Veh
icles that are NOT covered are:
1. vans, cargo vans or mini cargo vans (other than mini-vans as described above);
2. trucks, pick-up trucks or any vehicle that can be spontaneously reconigured into a
pick-up truck;
3. limousines;
4. o-road vehicles– meaning any vehicle used on roads that are not publicly maintained
roads unless used to ingress and egress private property;
5. motorcycles, mopeds or motor bikes;
6. trailers, campers, recreational vehicles or vehicles not licensed for road use;
7. vehicles towing or propelling trailers or any other object;
8. mini-buses or buses;
9. any vehicle with a Manufacturer’s Suggested Retail Price (MSRP), excluding all taxes, over
sixty-ive thousand dollars ($65,000) Canadian, at the time and place of loss;
10. exotic vehicles, meaning vehicles such as Aston Martin, Bentley, Bricklin, Daimler,
DeLorean, Excalibur, Ferrari, Jensen, Lamborghini, Lotus, Maserati, Porsche, Rolls Royce;
11. any vehicle which is either wholly or in part hand made, hand inished or has a limited
production of under 2,500 vehicles per year;
12. antique vehicles, meaning a vehicle over 20years old or which has not been
manufactured for 10years or more;
13. Tax-free Cars.
Luxury vehicles such as BMW, Cadillac, Lincoln and Mercedes Benz are covered as long as
they meet the above requirements.
Section6– When Coverage Terminates
There is NO Coverage when:
1. The Rental Agency reassumes control of the rental vehicle.
2. This Policy is cancelled.
3. Your rental period is more than 48consecutive days, or Your rental period is extended for
more than 48consecutive days by renewing or taking out a new rental agreement with
the same or another Rental Agency for the same vehicle or other vehicles.
4. Your TDCredit Card is cancelled or Card privileges are otherwise terminated.
41
SEE OVERLEAF
Section7– In the event of an Accident/Theft
• Within 48hours, call Our Administrator at 18663741129 (toll-free) from Canada or the
U.S., or +14169774425 (collect) from other countries. Our Administrator’s representative
will answer Your questions and send You a claim form.
• Decide with the rental agent which one of You will make the claim.
If the rental agent decides to settle the claim directly, complete the accident report claim
form and assign the right for the Rental Agency to make the claim on Your behalf on the
claim form or other authorized forms. It is important to note that You remain responsible
for the damage/loss and that You may be contacted in the future to answer inquiries
resulting from the claims process. The rental agent may fax the required documentation to
+18195692814 (toll-free).
Original documentation may also be required in some instances. (If You have any questions,
are having any diiculties, or would like the claims Administrator to be involved immediately,
call the number provided above).
• I
f You will be making the claim, You must call the claims Administrator within 48hours
of the damage/theft having occurred. Your claim must be submitted with as much
documentation, as requested by Our Administrator below, within 45days of discovering
the loss/damage. You will need to provide all documentation within 90days of the date of
damage or theft to the claims Administrator.
• The following claim documentation is required:
• the claim form, completed and signed;
• Your sales draft showing that the rental was paid in full with the TDCredit Card and/or
proof of redemption;
• the original copy of the vehicle rental agreement;
• the accident or damage report, if available;
• the itemized repair bill, or if not available, a copy of the estimate;
• the receipt for paid repairs;
• the police report, when available;
• a copy of Your billing or pre-billing statement if any repair charges were billed to Your
Account;
• Under normal circumstances, the claim will be paid within 15days after the claims
Administrator has received all necessary documentation. If the claim cannot be assessed
on the basis of the information that has been provided, it will be closed.
A
fter Our Administrator has paid Your claim, Your rights and recoveries will be transferred to
the Insurer to the extent of Our Administrator’s payment for the loss/damage incurred when
the rental vehicle was Your responsibility. This means the Insurer will then be entitled, at its
own expense, to sue in Your name. If the Insurer chooses to sue another party in Your name,
You must give the Insurer all the assistance they may reasonably require to secure its rights
and remedies. This may include providing Your signature on all necessary documents that
enable the Insurer to sue in Your name.
Once You report damage, loss or theft, a claim ile will be opened and will remain open for
6months from the date of the damage or theft.
Payment will only be made on a claim or any part of a claim that is completely substantiated
as required by the claims Administrator within 6months of the date of loss/damage.
You should use due diligence and do all things necessary to avoid or reduce any loss or
damage to property protected by this Collision/Loss Damage Insurance. If You make a claim
knowing it to be false or fraudulent in any respect, You will not be entitled to the beneits of
this protection, nor to the payment of any claim made under this Policy.
Section8– General Conditions
Legal Action Limitation Period
Every action or proceeding against the insurer for the recovery of insurance money payable
under the contract is absolutely barred unless commenced within the time set out in
the Insurance Act (for actions or proceedings governed by the laws of Alberta or British
Columbia), The Insurance Act (for actions or proceedings governed by the laws of Manitoba),
the Limitations Act, 2002 (for actions or proceedings governed by the laws of Ontario), or
other applicable legislation. For actions or proceedings governed by the laws of Quebec, the
prescriptive period is set out in the Civil Code of Quebec.
42
Section9– Helpful Hints
Before You rent a vehicle, ind out if You are required to provide a deposit if You wish to
decline the Rental Agency’s CDW. If possible, select a Rental Agency which provides an
excellent rate AND allows You to decline the CDW without having to make a deposit.
Rental Agencies in some countries may resist Your declining their CDW coverage. These Rental
Agencies may try to encourage You to take their coverage or to provide a deposit. If You
experience diiculty using Your CLD Insurance coverage, please call 18663741129 (toll-free)
from Canada or the U.S., or +14169774425 (collect) from other countries and provide:
• the name of the Rental Agency involved;
• the Rental Agency’s address;
• the date of the rental;
• the name of the Rental Agency representative with whom You spoke, and Your rental
contract number.
The Rental Agency will then be contacted and acquainted with the CLD Insurance coverage.
In certain locations, the law requires that Rental Agencies provide Collision Damage
Coverage in the price of the vehicle rental. In these locations (and in Costa Rica or elsewhere
where Cardholders may be required to accept CDW), the CLD Insurance will provide coverage
for any required deductible provided that all the procedures outlined in the Certiicate are
followed and the Rental Agency’s Deductible Waiver has been declined on the rental contract.
You will not be compensated for any payment You may have made to obtain the Rental
Agency’s CDW.
Check the rental vehicle carefully for scratches or dents before and after You drive the vehicle.
Be sure to point out where the scratches or dents are located to a Rental Agency representative.
If the vehicle has sustained damage of any kind, immediately phone one of the numbers
provided and do not sign a blank sales draft to cover the damage and Loss of Use charges
or, a sales draft with an estimated cost of repair and Loss of Use charges. The rental agent
may make a claim on Your behalf to recover repair and Loss of Use charges by following the
procedures outlined in Section7– “In the Event of an Accident/Theft”.
PURCHASE SECURITY AND EXTENDED WARRANTY PROTECTION
Coverage under this Certiicate is provided by:
TDHome and Auto Insurance Company (“Insurer”)
P.O. Box 1, TDCentre, Toronto, ON M5K1A2
Claims administration and adjudication services are provided by:
Global Excel Management Inc. (“Administrator”)
73 Queen Street, Sherbrooke, QC J1M0C9
Phone: 18663741129 or +14169774425
Section1– Introduction
Certiicate of Insurance
The Certiicate of Insurance (“Certiicate”) below applies to the TDFirstClass Travel Visa
Ininite Card, which will be referred to as a “TDCredit Card” throughout the Certiicate. Note:
This insurance is excess insurance, meaning that any other sources of recovery You have
will pay irst, and this insurance policy will be the last to pay. For example, if You’re covered
under home insurance, You will be eligible for the amount of the deductible under this
Certiicate.
Claims administration and adjudication services are provided by Global Excel Management
Inc. The terms of the TDCredit Card Purchase Security and Extended Warranty Protection
Group Policy #TDVP112008 (“Group Policy”) issued by TDHome and Auto Insurance
Company (“Insurer”) to The Toronto-Dominion Bank are described in this Certiicate. Please
note that in Alberta, Statutory Conditions are deemed to be part of every contract that
includes insurance against loss or damage to property and said Statutory Conditions are
included in the Group Policy.
43
SEE OVERLEAF
Section2– Deinitions
In this Certiicate, the following words and phrases shown in italics and capitalized have the
meanings shown below. As You read through the Certiicate, You may need to refer to this
Section to ensure You have a full understanding of Your coverage, limitations and exclusions.
Account means the Primary Cardholder’s TDCredit Card Account that the Bank maintains.
Account Holder means the Primary Cardholder to whom the monthly Account statement is
issued and who is a resident of Canada, and any Additional Cardholder who is a resident of
Canada. The Account Holder may be referred herein as “You” or “Your”.
Additional Cardholder means a person to whom a TDCredit Card has been issued at the
authorization of the Primary Cardholder.
Insured Item means a new item of personal property (a pair or set being one item) for personal
use for which the full Purchase Price has been charged to the Account of the Account Holder.
Manufacturer’s Warranty means an express written warranty issued by or on behalf of the
manufacturer of the Insured Item at the point of sale at the time of purchase of an Insured
Item. The Manufacturer’s Warranty must be valid in Canada.
Primary Cardholder means a person who applied for a TDCredit Card, whose name is on
the Account and to whom a TDCredit Card has been issued. A Primary Cardholder does not
include an Additional Cardholder.
Purchase Price means the actual cost to the Account Holder of the Insured Item, including
any applicable sales tax.
Spouse means:
• the person who the Account Holder is legally married to; or
• the person the Account Holder has lived with for at least 1continuous year in the same
household and publicly refers to as their partner.
Section3– Description of Insurance Coverage
a) Purchase Security
Purchase Security automatically protects most Insured Items purchased with the
TDCredit Card for 90days from purchase for all risk of direct physical loss or damage,
except as herein provided, anywhere in the world, in excess of other applicable insurance.
If the item is lost, stolen or damaged, it will be replaced or repaired, or the Account Holder
will be reimbursed for the Purchase Price.
b) Extended Warranty Protection
(i) Extended Warranty Protection automatically provides extended warranty coverage for
Insured Items, such coverage to commence immediately following the expiry of the applicable
Manufacturer’s Warranty for a period equal to the period of the Manufacturer’s Warranty
coverage or 1year, whichever is the lesser on most items purchased with the TDCredit
Card as long as there is a Manufacturer’s Warranty valid in Canada (automatic coverage
is limited to warranties 5years or less). Manufacturer’s Warranties greater than 5years are
covered if registered with the Administrator within the irst year after purchase of the item.
(ii) To register an Insured Item with a warranty greater than 5years for Extended Warranty
Protection, the Account Holder must contact the Administrator and provide:
• a copy of the sales receipt;
• the Credit Card record of charge or Credit Card statement;
• the serial number of the item, if available;
• the original Manufacturer’s Warranty valid in Canada; and
• a description of the product.
Section4– Policy Limits
There is a maximum aggregate lifetime beneit per Account Holder of $60,000 for all
TDCredit Cards of the Account Holder. The Account Holder will be entitled to receive no more
than the full Purchase Price of the Insured Item as recorded on the Account receipt or Account
statement. Claims for items belonging to a pair or set will be paid for at the Purchase Price of
the pair or set provided the parts of the pair or set are unusable individually and cannot be
replaced individually. The Administrator, at its sole option, may elect to:
a) Repair, rebuild or replace the item lost or damaged (whether wholly or in part), upon
notifying the Account Holder of its intention to do so within 45days following receipt of
the required Loss Report; or
b)
Pay cash for said item, not exceeding the full Purchase Price thereof paid using the Account
and subject to the exclusions, terms and limits of liability as stated in this Certiicate.
44
Section5– Exclusions
Any loss or damage of any aspect of any product, device, or equipment to function properly
as caused by any change in date will be excluded. This exclusion applies to Purchase
Security and to Extended Warranty Protection.
Purchase Security
(a) Coverage is not extended to loss or damage to the following:
1. cash or its equivalent, travellers cheques, tickets and any negotiable instruments;
2. art objects, bullion, rare or precious coins;
3. perishables, animals or living plants;
4. jewellery and watches in baggage unless carried by hand and under the personal
supervision of the Account Holder or Account Holder’s travelling companion previously
known to the Account Holder;
5. automobiles, motorboats, aircrafts, motorcycles, drones, motor scooters and other
motorized vehicles, parts and accessories thereof;
6. ancillary costs incurred in respect of an Insured Item and not forming part of the
Purchase Price;
7. parts and/or labour required as a result of mechanical breakdown;
8. used and pre-owned items, including antiques and demos;
9. any item purchased by and/or used for a business or commercial purpose;
10. items consumed in use; and
11. services.
(b) Loss or damage resulting from the following perils are excluded from coverage:
1. ab
use or fraud;
2. lood or earthquake;
3. war, invasion, hostilities, rebellion, insurrection, terrorism, coniscation by authorities,
contraband or illegal activity;
4. normal wear and tear;
5. mysterious disappearance (used herein to mean disappearance in an unexplained
manner marked by an absence of evidence of the wrongful act of another);
6. radioactive contamination;
7. inherent product defects;
8. normal course of play; or
9. willful acts or omissions; and
10.
indirect, incidental or consequential damages, including bodily injury, property damage,
economic loss, punitive or exemplary damages and legal costs are not covered.
Extended Warranty Protection
In addition to any exclusions which may be set out in the Manufacturer’s Warranty, this
Certiicate does not cover:
1.
wear and tear, gradual reduction in operating performance, negligence, misuse and abuse;
2. automobiles, motor boats, aircraft, motorcycles, drones, motor scooters and other
motorized vehicles and parts and accessories thereof;
3. willful acts or omissions and improper installation or alteration;
4. ancillary costs;
5. used or pre-owned items, including demos;
6. any item purchased by and/or used for a business or commercial purpose; and
7. consequential damages, including bodily injury, property damages, economic loss,
punitive or exemplary damages and legal costs are not covered;
8. inherent product defects.
Section6– How to Submit a Claim
Who to Contact to Submit a Claim
To submit a claim, please contact Our Administrator at 18663741129 (toll-free) or
+14169774425 (collect) between 8:00a.m. and 8:00p.m.ET, Monday to Friday.
Provide the Information requested:
(a) Initial Notiication
If You have incurred a loss covered under the Purchase Security or Extended Warranty
Protection, You must give notice by contacting the Administrator within 45days from the
date of loss or damage.
The Account Holder will be asked to provide or, if writing, should provide:
• the name, address and telephone number;
45
SEE OVERLEAF
• the Account number used to purchase the Insured Item;
• a description of the Insured Item; and
• the date, place, amount and cause of the loss or damage.
(b) Written Proof
(i) Purchase Security
A Loss Report will be mailed by the Administrator. Complete in full, sign and return
within 90days from the date of loss or damage. The Loss Report shall include but may
not be limited to:
• a copy of the Account charge receipt and/or Account statement;
• a copy of the store receipt;
• the serial number of the Insured Item (where applicable); and
• any other information reasonably required by the Administrator such as a police
or insurance claim report.
(ii) Extended Warranty Protection
You must report the claim information as detailed above prior to proceeding with the
repair or replacement. The Administrator will:
1. Authorize the repair, if appropriate; and
2. Ask the Account Holder to:
• return the Insured Item to the manufacturer’s service dealer as speciied on the
Manufacturer’s Warranty;
• have the authorized dealer contact the Insurer; and
• if repairable, pay for the repair and submit:
• a copy of the Account charge receipt and/or Account statement;
• a copy of the paid repair invoice;
• a copy of the store receipt;
• the serial number of the Insured Item; and
• a copy of the Manufacturer’s Warranty.
In the event that the damaged Insured Item is not repairable, submit all applicable
information to the Administrator as outlined above. The Administrator may require the
Account Holder, at the Account Holder’s expense, to send the damaged Insured Item to an
address designated by the Administrator.
If the claim is made in respect of an Insured Item which is a gift, the claim may be made
by the Account Holder or the recipient of the gift subject to compliance with the terms and
conditions of the Certiicate.
Section7– When Your Coverage Terminates
This coverage terminates on the earliest of the following:
a) When Your Account is closed;
b) When Your Account is 90 or more days past due but coverage is automatically reinstated
when the Account is returned to good standing; and
c) The date the Group Policy terminates.
Section8– General Conditions
Beneits Account Holder Only
This protection provided by the Purchase Security and Extended Warranty Protection Plans
shall inure to the beneit of the Account Holder. No other person or entity shall have any right,
remedy or claim, legal or equitable, to thebeneits.
Currency
All amounts shown are in Canadian currency.
Due Diligence
The Account Holder shall use due diligence and do all things reasonable to avoid or diminish
any loss of or damage to property protected by the Master Policy. Where damage or loss is
due to a malicious act, burglary, robbery, theft or attempt thereat, or is suspected to be so
due, the Account Holder shall give immediate notice to the police or other authorities having
jurisdiction. The Insurer will require evidence of such notice with the Loss Report prior to
settlement of a claim.
False Claim
If an Account Holder makes any claim knowing it to be false or fraudulent in any respect,
such Account Holder shall no longer be entitled to the beneits of this protection or to the
payment of any claim made under the Master Policy.
46
Group Policy
All bene
its under this Certiicate are subject in every respect to the Group Policy, which
alone constitutes the agreement under which beneits will be provided. This Group Policy is
issued to the Bank. The principal provisions of the Group Policy aecting Account Holders are
summarized in this Certiicate. The Group Policy is on ile at the oice of the Bank.
Legal Action Limitation Period
Every action or proceeding against the insurer for the recovery of insurance money payable
under the contract is absolutely barred unless commenced within the time set out in
the Insurance Act (for actions or proceedings governed by the laws of Alberta or British
Columbia), The Insurance Act (for actions or proceedings governed by the laws of Manitoba),
the Limitations Act, 2002 (for actions or proceedings governed by the laws of Ontario), or
other applicable legislation. For actions or proceedings governed by the laws of Quebec, the
prescriptive period is set out in the Civil Code of Quebec.
Other insurance
All of Our coverages are excess insurance, meaning that any other sources of recovery You
have will pay irst, and this insurance policy will be the last to pay. The total beneits payable
under all Your insurance, including this Certiicate, cannot be more than the actual expenses
for a claim. If an Account Holder is also insured under any other insurance certiicate or
policy, We will coordinate payment of beneits with the other insurer.
Subrogation
Following the Insurer’s payment of an Account Holder’s claim or loss or damage, the Insurer
shall be subrogated to the extent of the cost of such payment, to all rights and remedies
of the Account Holder against any party in respect of such loss or damage, and shall be
entitled at its own expense to sue in the name of the Account Holder. The Account Holder
shall give the Insurer all such assistance as the Insurer may reasonably require to secure
its rights and remedies, including the execution of all documents necessary to enable the
Insurer to bring suit in the name of the Account Holder.
EMERGENCY TRAVEL ASSISTANCE SERVICES
Emergency Travel Assistance Services is provided by:
Global Excel Management Inc. (“Administrator”)
73 Queen Street, Sherbrooke, QC J1M0C9
Phone: 18008718334 or +14169778297
Provided by Our Administrator under a service agreement with TDLife Insurance Company
(“TDLife”).
This is not an insurance beneit but assistance services only.
This is a service provided by Our Administrator. The Emergency Travel Assistance Services
below applies to the TDFirstClass Travel Visa Ininite Card, which will be referred to as a
“TDCredit Card” throughout.
Description of Emergency Travel Assistance Services
M
ultilingual Assistance Coordinators are on call 24hours a day. Our Administrator’s
Assistance Coordinators are supported by a network of medical professionals, including
physicians experienced in emergency medical assistance.
For Emergency Assistance 24hours a day, call Our Administrator at 18008718334
(toll-free) from Canada or the U.S., or +14169778297 (collect) from other countries.
Section1– Deinitions
Account means the Primary Cardholder’s TDCredit Card Account that the Bank maintains.
Account Holder means the Primary Cardholder to whom the monthly Account statement is
issued, and who is a resident of Canada and any Additional Cardholder who is resident of
Canada. The Account Holder may be referred to herein using “You” and “Your”.
Bank means The Toronto-Dominion Bank.
Primary Cardholder means a person who applied for a TDCredit Card, whose name is on
the Account and to whom a TDCredit Card has been issued.
47
SEE OVERLEAF
Additional Cardholder means a person to whom a TDCredit Card has been issued at the
authorization of the Primary Cardholder.
Our m
eans TDLife Insurance Company.
Section2– Medical Assistance Services Medical Referrals
Medical Referrals
If a medical emergency arises while travelling, You can contact Our Administrator’s Emergency
Assistance Centre and You will be referred to the nearest designated physician or medical facility.
Medical Consultation and Monitoring
Our Administrator’s network of medical professionals is available 24hours a day, 365days
a year, to consult with Your attending physician to ensure that Your medical needs are being
met. Our Administrator’s network of medical professionals is experienced in working with
physicians outside of Canada to determine the adequacy of care being received and the
need for further assistance.
Medical Transportation
When Our Administrator, in consultation with its network of medical professionals and in
conjunction with Your attending physician, determines that a transfer to another medical
facility is necessary, Our Administrator will coordinate all aspects of the transport to and
from the hospital and airport, at the point of departure and arrival. Our Administrator’s
Assistance Coordinators will arrange for qualiied medical accompaniment, if necessary.
Neither the Bank, TDLife or any other insurer, nor Our Administrator is responsible for the
availability, quality or results of any medical treatment You receive or fail to receive for any reason.
Section3– Payment Assistance
Our Administrator can assist You in arranging or coordinating payment to emergency medical
or hospital service providers. Full liability for payment of these services will rest with You.
Section4– Travel Assistance Services
You are fully liable for repaying the following services that are charged to Your TDCredit Card.
Legal Assistance
Our Administrator can assist You to post bail and pay legal fees, if necessary.
Emergency Cash Transfer
In the event of theft, loss or emergency, Our Administrator can assist You to obtain cash
which will be charged to Your TDCredit Card.
Lost Document and Ticket Replacement
In the event of theft or loss, Our Administrator can assist You to replace the necessary travel
documents or tickets.
Lost Luggage Assistance
In the event of theft or loss, Our Administrator can assist You to locate or replace luggage
and personal eects.
Account Holders are also eligible for Delayed and Lost Baggage Insurance; however, this
coverage is entirely separate (see Your Delayed and Lost Baggage certiicate of insurance).
Translation Services
Our Administrator can provide immediate translation services in an emergency situation.
Our Administrator will make a good faith eort to provide these services, however, it has no
liability to You if local laws, insurrection, epidemic, unavailability of health care providers,
strikes, severe weather, geographic inaccessibility or other factors beyond their control
delay, interfere or prevent the provision of these services.
48
MOBILE DEVICE INSURANCE
Coverage under this Certiicate is provided by:
A
merican Bankers Insurance Company of Florida
5000 Yonge Street, Suite 2000, Toronto, Ontario M2N7E9
Phone: 18008590694
This Certiicate of Insurance contains a clause which may limit the amount payable.
Th
e coverage outlined in this Certiicate of Insurance is eective October 30, 2022, and is
provided to eligible TD First Class Travel Visa Ininite Cardholders. Refer to the Deinitions
Section below or to the paragraph following this one for the meanings of all capitalized and
italicized terms.
Mobile Device Insurance is underwritten by American Bankers Insurance Company of
Florida (the “Insurer”) under Group Policy No.TD102022 (the “Policy”) issued by the Insurer
to The Toronto-Dominion Bank (the “Policyholder”). The Insurer, its subsidiaries, and ailiates
carry on business in Canada under the trade name of Assurant®. Assurant® is a registered
trademark of Assurant, Inc.
The terms, conditions and provisions of the Policy are summarized in this Certiicate of
Insurance, which is incorporated into and forms part of the Policy. Mobile Device Insurance
beneits are subject in every respect to the Policy, which alone constitutes the agreement
under which beneits will be provided. You or a person making a claim under this Certiicate
of Insurance may request a copy of the Policy and/or copy of Your application for this
insurance (if applicable) by writing to the Insurer at the address shown below.
American Bankers Insurance Company of Florida’s head oice is located at 5000 Yonge Street,
Suite 2000, Toronto, Ontario M2N7E9.
Claim payment and administrative services are arranged and/or provided by the Insurer.
In no event will a corporation, partnership or business entity be eligible for the insurance
coverage provided by this Certiicate of Insurance.
Section1– Deinitions
The following words and phrases, shown capitalized and italicized in this Certiicate of
Insurance, have the meanings shown below. You may need to refer to this Section to ensure
You have a full understanding of Your coverage, limitations and exclusions.
Accidental Damage means damage caused by an unexpected and unintentional external
event such as drops, cracks, and spills that occur during normal daily usage of the Mobile
Device as the manufacturer intended.
Account means the Primary Cardholder’s TDFirst Class Travel Visa Ininite Card account,
which must be in Good Standing with the Policyholder.
Additional Cardholder means a natural person resident in Canada to whom a TDFirstClass
Travel Visa Ininite Card has been issued at the authorization of the Primary Cardholder.
Cardholder means the Primary Cardholder and any Additional Cardholder. The Cardholder
may be referred to as “You” or “Your”.
Dollars and $ mean Canadian dollars.
Good Standing means, with respect to an Account, that the Primary Cardholder has not
advised the Policyholder to close it or the Policyholder has not suspended or revoked credit
privileges or otherwise closed the Account.
Household Member means a spouse, parents, stepparents, grandparents, grandchildren,
in-laws, natural or adopted children, stepchildren, brothers, sisters, stepbrothers and
stepsisters whose permanent residence and address is the same as the Cardholder.
Mobile Device means a new or, if purchased directly from an original equipment
manufacturer or Provider, a refurbished cellular phone, smartphone or tablet (portable
single-panel touchscreen computer), which has Internet-based and/or wireless
communication capabilities, and which has not been purchased by a business and/or used
for business or for commercial purposes.
Mysterious Disappearance means the vanishing of a Mobile Device which cannot be
explained, i.e., there is an absence of evidence of a wrongful act of another person.
49
SEE OVERLEAF
Other Insurance means all other applicable valid insurance, indemnity, warranty, or
protection available to the Cardholder in respect of a loss subject to a claim under this
Certiicate of Insurance, including group and individual insurance, credit card coverage
(whether group or individual), and any other reimbursement plans.
Plan means a ixed-term contract oered by a wireless service Provider.
P
rimary Cardholder means a natural person, resident of Canada, whose name is on the
Acc
ount and to whom a TD First Class Travel Visa Ininite Card has been issued. A Primary
Cardholder does not include an Additional Cardholder.
Provider means a Canadian wireless service Provider.
Purchase Price means the portion of the Total Cost paid and charged to the Account if
purchasing a Mobile Device outright, or the Total Cost the Cardholder will pay if funding the
purchase of a Mobile Device through a Plan.
Total Cost means the cost of a Mobile Device, including any applicable taxes, and less any
Trade-In Credit(s) and costs for fees associated with the Mobile Device purchased such as
insurance premiums, customs duty, delivery and transportation costs, or similar costs or fees.
Trade-in Credit(s) mean(s) an in-store credit or certiicate issued by a retailer or Provider to
the Cardholder when the Cardholder trades in an old mobile device.
Section2– Coverage
A. ELIGIBILITY
You are eligible for Mobile Device Insurance when You purchase a Mobile Device
anywhere in the world, and You:
a) charge at least 75% of the Total Cost to Your Account. If the Mobile Device is equipped
with cellular data technology, You must also activate Your Mobile Device with a
Provider; or
b) charge any portion of the Total Cost that is required to be paid up-front to Your
Account, fund the balance of the Total Cost through a Plan, and charge all monthly
wireless bill payments to Your Account for the duration of Your Plan; or
c) fund the Total Cost through a Plan and charge all the monthly wireless bill payments to
Your Account for the duration of the Plan.
B. COVERAGE PERIOD
Mobile Device coverage takes eect on the later of:
a) 30days from the date of purchase of Your Mobile Device; and
b) the date the irst monthly wireless bill payment is charged to Your Account.
Mobile Device coverage ends on the earlier of:
a) t
wo years from the date of purchase;
b) the date ONE monthly wireless bill payment was not charged to Your Account, if You
are funding the Total Cost of Your Mobile Device through a Plan;
c) the date the Account ceases to be in Good Standing; and
d) the date You cease to be eligible for coverage.
C.
BENEFITS
If a Mobile Device is lost, stolen or suers mechanical breakdown or Accidental Damage,
You will be reimbursed the lesser of its repair or replacement cost, not exceeding the
depreciated value† of Your Mobile Device at date of loss, less the deductible††, to a
maximum of $1,000, subject to the Limitations and Exclusions below.
† The depreciated value of Your Mobile Device at date of loss is calculated by deducting
from the Purchase Price of Your Mobile Device the depreciation rate of 2% for each
completed month from the date of purchase.
†† The amount of the deductible is based on the Total Cost o
f Your Mobile Device less any
applicable taxes, as determined from the following table:
Total Cost (Less Taxes) Ap
plicable Deductible
$0– $200 $25
$
200.01– $400 $50
$400.01– $600 $75
$600.01 or more $100
For example: If You purchase a Mobile Device for a Purchase Price of $800 ($700 + $100
in applicable taxes) on May1, and ile a claim on January21 of the following year, the
maximum reimbursement will be calculated as follows:
50
1) Calculation of the depreciated value of Your Mobile Device:
P
urchase Price $800
Less depreciation cost (2% × 8months × $800) − $128
Depreciated value $672
2) Calculation of the maximum reimbursement:
De
preciated value $672
Less deductible (based on Total Cost) − $100
Maximum reimbursement $572
In the event You ile a valid repair claim and the cost of repair is $500, including
applicable taxes, upon approval of Your claim, the maximum reimbursement available to
You will be $500.
In the event Your Mobile Device is lost or stolen and, upon approval of Your claim, You
purchase a replacement Mobile Device for a price of $800 including applicable taxes, the
maximum reimbursement available to You will be $572.
A replacement Mobile Device must be of the same make and model as the original Mobile
Device, or in the event the same make and model is not available, of like kind and quality
with comparable features and functionality as the original Mobile Device.
All claims are subject to the terms, conditions, and Limitations and Exclusions set out in this
Certiicate of Insurance.
D. LIMITATIONS AND EXCLUSIONS
This coverage complements but does not replace the manufacturer’s warranty or
warranty obligations.
This coverage does, however, provide certain additional beneits for which the manufacturer
may not provide coverage. Parts and services covered by the manufacturer’s warranty and
warranty obligations are the responsibility of the manufacturer only.
If You have one or more Account providing Mobile Device Insurance, the maximum number
of claims under all Your Accounts is limited to one claim in any 12-consecutive-month period
and two claims in any 48-consecutive-month period.
Mobile Device Insurance does not cover:
1) accessories, whether included with Your Mobile Device in the original manufacturer’s
package or purchased separately;
2) batteries;
3) Mobile Devices purchased for resale, professional or commercial use;
4) used, previously owned Mobile Devices;
5) refurbished Mobile Devices (unless provided as a replacement for Your Mobile Device
under the manufacturer’s warranty or purchased directly from an original equipment
manufacturer or Canadian Provider);
6) Mobile Devices that have been modiied from their original state;
7) Mobile Devices being shipped, until received and accepted by You in new and
undamaged condition; and
8) Mobile Devices stolen from baggage unless such baggage is hand-carried under the
personal supervision of the Cardholder or the Cardholder’s travelling companion with
the Cardholder’s knowledge.
No beneits are payable for:
1) losses or damage resulting directly or indirectly from:
a) fraud, misuse or lack of care, improper installation, hostilities of any kind (including
war, invasion, rebellion or insurrection), coniscation by authorities, risks of
contraband, illegal activities, normal wear or tear, lood, earthquake, radioactive
contamination, Mysterious Disappearance or inherent product defects;
b) power surges, artiicially generated electrical currents or electrical irregularities;
c) any occurrence that results in catastrophic damage beyond repair, such as the
device separating into multiple pieces;
d) cosmetic damage that does not aect functionality;
e) software, cellular/wireless service provider or network issues; or
f) theft or intentional or criminal acts by the Cardholder or Household Members; and
2) incidental and consequential damages including bodily injury, loss of use, property,
p
unitive and exemplary damages and legal fees.
E. G
IFTS
Mobile Devices given as gifts are covered under the Mobile Device coverage provided all
eligibility requirements are met. In the event of a claim, You, not the recipient of the gift,
must make the claim for beneits.
51
SEE OVERLEAF
F. OTHER INSURANCE
Mobile Device Insurance beneits are in excess of all Other Insurance available to You in
respect of the Mobile Device subject to the claim.
The Insurer will be liable only:
• for the amount of loss or damage over the amount covered under such Other
Insurance and for the amount of any applicable deductible; and
• if all such Other Insurance has been claimed under and exhausted, and further subject
to the terms and Limitations and Exclusions set out herein.
This coverage will not apply as contributing insurance notwithstanding any provision in
any Other Insurance.
G. HOW TO MAKE A CLAIM
PRIOR to proceeding with any action or repair services or replacement of the Mobile
Device, You must irst obtain the Insurer’s approval.
Failure to do so will make Your claim ineligible.
Immediately after a loss or an occurrence which may lead to a loss covered under
Mobile Device Insurance occurs, but in no event later than 30days from the date of
loss, You must contact the Insurer by calling 18008590694 between 8:00a.m. and
8:00p.m.ET, Monday through Friday to obtain a claim form.
To ile a claim online, please visit
cardbeneits.assurant.com
In the event of loss or theft, You must notify Your Provider to suspend Your wireless
services within 48hours of the date of loss. In addition, in the event of theft, You must also
notify the police within seven days of the date of loss.
You must submit a completed claim form containing the time, place, cause and amount
of loss, and provide documentation to substantiate Your claim, including:
1
) the original sales receipt detailing or similar document detailing the date, description
of Your Mobile Device, and any pay upfront amounts and trade-in credits;
2) a copy of Your Wireless Service Agreement or similar document indicating the date, a
description of Your Mobile Device and the non-subsidized retail cost of Your Mobile Device;
3) the date and time You notiied Your Provider of loss or theft;
4)
a copy of the original manufacturer’s warranty (for mechanical failure claims) may be required;
5)
a copy of the written repair estimate (for mechanical failure and Accidental Damage claims);
6) if You purchased Your Mobile Device outright, Your Account statement showing the
Purchase Price;
7) if Your Mobile Device was funded through a Plan, Your Account statement showing any
portion of the Total Cost paid up-front, if applicable, and credit card statements for up
to 12months immediately preceding the date of loss showing Your monthly wireless bill
charged to Your Account;
8) a copy of any document detailing any Other Insurance beneits or protection and
reimbursements received for this occurrence;
9) a police report, ire loss report, or other report of the occurrence of the Accidental
Da
mage, loss or theft of Your Mobile Device.
You mu
st obtain a written estimate of the cost to repair Your Mobile Device by a repair
facility authorized by the original Mobile Device manufacturer. At its sole discretion, the
Insurer may ask You to return, at Your own expense, the damaged item on which a claim
is based to the Insurer in order to support Your claim.
Section3– General Provisions and Statutory Conditions
Unless otherwise expressly provided herein or in the Policy, the following general provisions
apply to the beneits described in this Certiicate of Insurance.
A. SUBROGATION
As a condition to the payment of any claim to a Cardholder, the Cardholder shall, upon
request, transfer or assign to the Insurer all legal rights against all other parties for
the loss. The Cardholder shall give the Insurer all such assistance as the Insurer may
reasonably require to secure its rights and remedies, including the execution of all
documents necessary to enable the Insurer to bring suit in the name of the Cardholder.
B. TERMINATION OF INSURANCE
All coverage under this Certiicate of Insurance terminates on the earlier of:
a) the date the Account is cancelled or closed; and
b) the date the Policy terminates.
No beneits will be paid for any loss incurred after coverage under this Certiicate of
Insurance has terminated, unless otherwise speciied or agreed.
52
C. DUE DILIGENCE
The Car
dholder shall use diligence and do all things reasonable to avoid or diminish any
loss under the Policy.
D. NOTICE AND PROOF OF CLAIM
Written notice of claim must be given to the Insurer as soon as reasonably possible after a
claim occurs, but in all events provided within 90days from the date on which loss occurred.
Failure to provide notice or furnish proof of claim within the time prescribed herein does
not invalidate the claim if the notice or proof is given or furnished as soon as reasonably
possible, and in no event later than 1year from the date a claim arises hereunder, if it is
shown that it was not reasonably possible to give notice or furnish proof within the time so
prescribed. If the notice or proof is given or furnished after 1year, Your claim will not be paid.
E. PAYMENT OF CLAIM
Beneits payable under the Policy will be paid upon receipt of full written proof, as
determined by the Insurer.
F. LEGAL ACTION
Every action or proceeding against an Insurer for the recovery of insurance money payable
under the contract is absolutely barred unless commenced within the time set out in the
Insurance Act, Limitations Act or other applicable legislation in Your province or territory.
G. FALSE CLAIM
If You make a claim knowing it to be false or fraudulent in any respect, You will not be
entitled to the beneit of coverage under the Policy, nor to the payment of any claim made
under the Policy.
H. IF YOU HAVE A CONCERN OR COMPLAINT
If You have a concern or complaint about Your coverage, please call the Insurer at
18008590694. The Insurer will do its best to resolve Your concern or complaint.
If for some reason the Insurer is unable to do so to Your satisfaction, You may pursue
the concern or complaint in writing to an independent external organization. You
may also obtain detailed information for the Insurer’s resolution process and the
external recourse either by calling the Insurer at the number listed above or at:
assurant.ca/customer-assistance
I. PRIVACY
The Insurer may collect, use, and share personal information provided by You to the
Insurer, and obtained from others with Your consent, or as required or permitted by law.
The Insurer may use the information to serve You as a customer and communicate with
You. The Insurer may process and store Your personal information outside Your province
in another country, which may be subject to access by government authorities under
applicable laws of that country. You may obtain a copy of the Insurer’s privacy policy by
calling 18887788023 or from their website: www.assurant.ca/privacy-policy.
If You
have any questions or concerns regarding the privacy policy, the purposes and means
for which Your information is being collected, Your rights, Your options for refusing or
withdrawing Your consent to the use of Your personal information, You may call the
Insurer at the number listed above.
H
OTEL/MOTEL BURGLARY INSURANCE
Coverage under this Certiicate is provided by:
American Bankers Insurance Company of Florida
5000 Yonge Street, Suite 2000, Toronto, Ontario M2N7E9
Phone: 18008590694
This Certiicate of Insurance contains a clause which may limit the amount payable.
The coverage outlined in this Certiicate of Insurance is eective October 30, 2022, and is
provided to eligible TD First Class Travel Visa Ininite Cardholders. Refer to the Deinitions
Section below or to the paragraph following this one for the meanings of all capitalized and
italicized terms.
Hotel/Motel Burglary Insurance is underwritten by American Bankers Insurance Company
of Florida (the “Insurer”) under Group Policy No.TD102022 (the “Policy”) issued by the Insurer
to The Toronto-Dominion Bank (the “Policyholder”). The Insurer, its subsidiaries, and ailiates
carry on business in Canada under the trade name of Assurant®. Assurant® is a registered
trademark of Assurant, Inc.
53
SEE OVERLEAF
The terms, conditions and provisions of the Policy are summarized in this Certiicate of
Insurance, which is incorporated into and forms part of the Policy. Hotel/Motel Burglary
Insurance beneits are subject in every respect to the Policy, which alone constitutes the
agreement under which beneits will be provided. You or a person making a claim under this
Certiicate of Insurance may request a copy of the Policy and/or copy of Your application for
this insurance (if applicable) by writing to the Insurer at the address shown below.
American Bankers Insurance Company of Florida’s head oice is located at 5000 Yonge
Street, Suite 2000, Toronto, Ontario M2N7E9.
Claim payment and administrative services are arranged and/or provided by the Insurer.
In no event will a corporation, partnership or business entity be eligible for the insurance
coverage provided by this Certiicate of Insurance.
Section1– Deinitions
The following words and phrases, shown capitalized and italicized in this Certiicate of
Insurance, have the meanings shown below. You may need to refer to this Section to ensure
You have a full understanding of Your coverage, limitations and exclusions.
Account means the Primary Cardholder’s TDFirst Class Travel Visa Ininite Card account,
which must be in Good Standing with the Policyholder.
Additional Cardholder means a natural person resident in Canada to whom a TDFirstClass
Travel Visa Ininite Card has been issued at the authorization of the Primary Cardholder.
Cardholder means the Primary Cardholder and any Additional Cardholder. The Cardholder
may be referred to as “You” or “Your”.
Check In means the moment the Cardholder registers at the Hotel/Motel.
Check Out means the moment the Cardholder vacates the Hotel/Motel room and pays the
cost incurred for the duration of the stay.
Dependent Children mean the Cardholder’s unmarried natural, adopted or stepchildren
who are dependent on the Cardholder for maintenance and support and who are either
under 21years of age, or under 25years of age and in full time attendance at a recognized
institution of higher learning in Canada. Dependent Child(ren) also include(s) children
21years of age or over who are permanently mentally or physically challenged and
incapable of self-support.
Dollars and $ mean Canadian dollars.
Good Standing means, with respect to an Account, that the Primary Cardholder has not
advised the Policyholder to close it or the Policyholder has not suspended or revoked credit
privileges or otherwise closed the Account.
Hotel/Motel means an establishment located in Canada or the United States that provides
lodging for the general public, and usually meals, entertainment, and various personal
services. Hotel/Motel does not include a privately-owned residence oered for rental through
an online marketplace service, or other similar online service.
Insured Person means a Cardholder and, when travelling with the Cardholder, the
Cardholder’s Spouse, Dependent Children, and parents residing with the Cardholder.
Other Insurance means all other applicable valid insurance, indemnity, warranty, or
protection available to the Cardholder in respect of a loss subject to a claim under this
Certiicate of Insurance, including group and individual insurance, credit card coverage
(whether group or individual), and any other reimbursement plans.
Primary Cardholder means a natural person, resident of Canada, whose name is on the
Account and to whom a TD First Class Travel Visa Ininite Card has been issued. A Primary
Cardholder does not include an Additional Cardholder.
Spouse means the person who is legally married to the Cardholder or the person who has
been living with the Cardholder for a continuous period of at least 1year and is publicly
represented as the Cardholder’s Spouse.
Section2– Coverage
A. ELIGIBILITY
You are eligible for Hotel/Motel Burglary Insurance coverage when You charge at least
75% of the total cost of the Hotel/Motel room to Your Account and/or paid for using Your
TD Rewards Points.
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B. COVERAGE PERIOD
Hotel/Motel Burglary Insurance coverage is in eect for the period of time between Check
In and Check Out, and ends on the earlier of:
1) the date the Account ceases to be in Good Standing; and
2) the date the Insured Person ceases to be eligible for coverage. No beneits will be paid
for losses incurred after coverage has ended, unless otherwise speciied and agreed.
C. BENEFITS
Hotel/Motel Burglary Insurance coverage protects the Insured Person from theft of most
items of personal property from a Hotel/Motel room where there is evidence of forceful
entry. The maximum beneit payable per occurrence for all Insured Persons is $2,500, in
excess of Other Insurance and/or payments made by the Hotel/Motel.
D. EXCLUDED ITEMS
Hotel/Motel Burglary Insurance does not cover the following items:
1) cash;
2) travellers cheques;
3) securities;
4) credit cards or any other negotiable instruments;
5) tickets; and
6) documents.
E. HOW TO MAKE A CLAIM
You MUST give immediate notice to the police or other authorities having jurisdiction
upon discovery of a loss.
To obtain a claim form in order to present a claim, notify the Insurer as soon as
reasonably possible, but in no event later than 45days from the date of loss, by
calling 18008590694 from Canada and the United States between 8:00a.m.
and 8:00p.m.ET, Monday through Friday. To ile a claim online, please visit
cardbeneits.assurant.com. You must maintain original copies of all documents
required.
You will be required to complete a claim form and include copies of the TD First Class
Travel Visa Ininite charge slip or transaction conirmation, Account statement, a written
statement from the Hotel/Motel conirming the date, time and details of the loss, police
report, payout documentation from the Hotel/Motel and/or Other Insurance carrier, if
applicable, and any other information reasonably required by the Insurer to determine
coverage eligibility. If a copy of the police report is not obtainable, You must provide
the police department address and telephone number, incident report ile number, and
contact name on the ile.
The completed claim forms together with written proof of loss must be delivered as soon as
reasonably possible, but in all events within 1year from the date on which the loss occurred.
Section3– General Provisions and Statutory Conditions
Unless otherwise expressly provided herein or in the Policy, the following general provisions
apply to the beneits described in this Certiicate of Insurance.
A. SUBROGATION
As a condition to the payment of any claim to a Cardholder, the Cardholder and/or any
Insured Person shall, upon request, transfer or assign to the Insurer all legal rights against
all other parties for the loss. The Cardholder and/or any Insured Person shall give the
Insurer all such assistance as the Insurer may reasonably require to secure its rights and
remedies, including the execution of all documents necessary to enable the Insurer to
bring suit in the name of the Cardholder and/or Insured Person.
B. TERMINATION OF INSURANCE
All coverage under this Certiicate of Insurance terminates on the earlier of:
a) the date the Account is cancelled or closed; and
b) the date the Policy terminates.
No beneits will be paid for any loss incurred after coverage under this Certiicate of
Insurance has terminated, unless otherwise speciied or agreed.
C. DUE DILIGENCE
The Insured Person shall use diligence and do all things reasonable to avoid or diminish
any loss under the Policy.
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SEE OVERLEAF
D. NOTICE AND PROOF OF CLAIM
Written notice of claim must be given to the Insurer as soon as reasonably possible after a
claim occurs, but in all events provided within 90days from the date on which loss occurred.
Failure to provide notice or furnish proof of claim within the time prescribed herein does
not invalidate the claim if the notice or proof is given or furnished as soon as reasonably
possible, and in no event later than 1year from the date a claim arises hereunder, if it is
shown that it was not reasonably possible to give notice or furnish proof within the time so
prescribed. If the notice or proof is given or furnished after 1year, Your claim will not be paid.
E. PAYMENT OF CLAIM
Beneits payable under the Policy will be paid upon receipt of full written proof, as
determined by the Insurer.
F. LEGAL ACTION
Every action or proceeding against an Insurer for the recovery of insurance money payable
under the contract is absolutely barred unless commenced within the time set out in the
Insurance Act, Limitations Act or other applicable legislation in Your province or territory.
G. FALSE CLAIM
If You make a claim knowing it to be false or fraudulent in any respect, You will not be
entitled to the beneit of coverage under the Policy, nor to the payment of any claim made
under the Policy.
H. IF YOU HAVE A CONCERN OR COMPLAINT
If You have a concern or complaint about Your coverage, please call the Insurer at
18008590694. The Insurer will do its best to resolve Your concern or complaint.
If for some reason the Insurer is unable to do so to Your satisfaction, You may pursue
the concern or complaint in writing to an independent external organization. You
may also obtain detailed information for the Insurer’s resolution process and the
external recourse either by calling the Insurer at the number listed above or at:
assurant.ca/customer-assistance
I. PRIVACY
The Insurer may collect, use, and share personal information provided by You to the
Insurer, and obtained from others with Your consent, or as required or permitted by law.
The Insurer may use the information to serve You as a customer and communicate with
You. The Insurer may process and store Your personal information outside Your province
in another country, which may be subject to access by government authorities under
applicable laws of that country. You may obtain a copy of the Insurer’s privacy policy by
calling 18887788023 or from their website: www.assurant.ca/privacy-policy. If You
have any questions or concerns regarding the privacy policy, the purposes and means
for which Your information is being collected, Your rights, Your options for refusing or
withdrawing Your consent to the use of Your personal information, You may call the
Insurer at the number listed above.
A
ll trade‑marks are the property of their respective owners.
* Trademark of Visa Int., used under license.
® The TD logo and other trademarks are the property of The Toronto‑Dominion Bank
or its subsidiaries.
599160(0824)
50436807
