Travel insurance included, with up to $2 million emergency medical

Your card comes with a travel insurance package. Emergency medical cover pays up to $2 million per person for the first 21 days of a trip outside your province. Delayed or lost bags are covered up to $1,000 per person per trip for essentials such as clothes and toiletries, and flight or trip delays of more than 4 hours are covered up to $500 per person for meals, hotels and ground transport. You also get up to $1,000,000 in common carrier accident cover, up to $2,000 per person to fly home early if an immediate relative dies while you're away, and rental car cover: collision damage waiver benefits, up to $300,000 accident cover and up to $1,000 per person for personal effects. Trip and legal assistance services are included too. There's no trip cancellation or trip interruption cover.

Conditions: Emergency medical covers the primary cardholder, spouse and dependent children who are under 65 on the departure date, live in Canada and have provincial health cover. You don't need to charge the trip to the card for medical cover, but a pre-existing condition exclusion applies, looking back 90 days before the trip. Baggage cover needs the full ticket paid with the card, and flight/trip delay cover needs at least 75% of the trip cost charged to it. Common carrier accident and early return cover need the fare charged to the card; early return pays up to $25,000 per trip for everyone combined. Rental car cover needs the full rental charged to the card and the agency's collision damage waiver declined. Rentals can last up to 31 days, vehicles worth $65,000 or more are excluded, and collision benefits have a lifetime limit of $65,000 per account. Personal effects cover is capped at $2,000 per account per rental. Assistance services are not insurance, and any costs paid for you are charged to your card. Insurance is underwritten by TD Life Insurance Company and TD Home and Auto Insurance Company, and the Guide to Coverage has the full terms and exclusions.