Travel medical insurance up to $2 million, plus baggage cover

Your card includes travel medical insurance of up to $2 million for the first 10 days of a trip outside your home province, or the first 4 days if you or your spouse is 65 or older. It also covers up to $1,000 per person for essentials such as clothes and toiletries if your checked baggage is delayed more than 6 hours or lost. You also get 24/7 toll-free emergency travel assistance.

Conditions: Travel medical cover is for Canadian residents covered by a provincial or territorial health plan, and a pre-existing condition exclusion applies. Your departure and return days each count as a full day. Baggage cover requires the trip to be paid in full with the card. Emergency travel assistance is a help service, not insurance. Underwritten by TD Life Insurance Company and TD Home and Auto Insurance Company, with full terms in the certificates of insurance.