Up to $2 million travel medical, plus trip and baggage insurance

Your card includes a full travel insurance package: travel medical up to $2 million for the first 21 days of a trip; trip cancellation up to $1,500 per person and trip interruption up to $5,000 per person; flight or trip delay up to $500 per person after a 4-hour delay; delayed and lost baggage up to $1,000 per person; common carrier travel accident up to $500,000; auto rental collision and loss damage for rentals of up to 48 days; hotel and motel burglary up to $2,500 per occurrence; and 24/7 emergency travel assistance.

Conditions: Travel medical covers the first 4 days of a trip if you or your spouse is 65 or older, and has a pre-existing condition exclusion. Trip cancellation is capped at $5,000 and trip interruption at $25,000 for all insured people on the same trip. Trip cancellation, trip interruption and common carrier coverage need the trip paid in full with your card or TD Rewards Points; delay and baggage coverage need at least 75% of the trip cost charged that way. Car rentals must be charged in full to the card and you must decline the rental company's collision damage waiver. Emergency travel assistance is a service, not insurance. Limits, exclusions and full terms are in the Certificate of Insurance.