Understanding the TD Insurance Single-Trip Medical Plan and how much it can cost

What is single-trip emergency medical travel insurance? 

What can influence the cost of the TD Insurance Single-Trip Medical Plan? 

Sample cost calculations

What's covered under the TD Insurance Single-Trip Medical Plan?

What’s not included with the TD Insurance Single-Trip Medical Plan?

When is the right time to purchase a single-trip medical plan?

Single-trip medical insurance plans are designed for travellers looking for emergency medical insurance coverage for one trip. If you're travelling with a travel companion, spouse, or family, these plans also often offer cost-effective couple or family coverage.

The TD Insurance Single-Trip Medical Plan can provide up to $10 million in coverage for eligible emergency medical expenses while travelling outside of your province or territory of residence. This makes it a good choice for both domestic and international travel. And, with this plan, you also have the option to enhance your coverage with top-up or extension or by adding trip cancellation & interruption coverage.

It's important to be aware of the factors that can impact the cost of the TD Insurance Single-Trip Medical Plan. There are several different factors that we consider when calculating your premiums. Some of which are:

• Age
• Health
• Coverage amount
• Length of trip
• Type of plan

The TD Insurance Single-Trip Medical Plan offers coverage for eligible emergency medical expenses. Here's what coverage includes per insured person:

• Up to $10 million in emergency travel medical coverage
  Covers eligible costs for covered trip such as: physician and hospital fees, ambulance services, diagnostic services, prescription drugs, and medical appliances.
• Up to $2,000 for eligible emergency dental treatment
• Up to $1,500 in out-of-pocket meals and lodging
  Covers costs of meals and lodging if an emergency causes you to miss a scheduled return or requires you to be relocated for treatment.
• Up to $300 in individual paramedical services per profession listed below
  Covers eligible services such as those of a licensed chiropractor, chiropodist, osteopath, podiatrist, or physiotherapist.
• Emergency return home
  The maximum benefit payable must be approved and arranged in advance by our administrator.

It's important to make yourself aware of the exclusions and limitations of the TD Insurance Single-Trip Medical Plan, or any travel insurance plan you are planning to buy. This is because benefits are only paid for eligible expenses and only up to the maximum amount. You can find the full description of eligibility requirements, defined terms, benefits, and limitations and exclusions that apply to this plan in the policy. Below are some examples of limitations and exclusions that can make you ineligible for the coverage.

• Pre-existing medical conditions².
• Travelling against the advice of a physician.
• Expenses not pre-approved by our administrator may be limited or excluded.
• Travel to destinations under a travel advisory by the Canadian government.
• Noncompliance with any prescribed medical therapy.

You must purchase the TD Insurance Single-Trip Medical Plan before you depart in order to have coverage for your trip. It's recommended that you purchase this plan when you confirm your travel details and make your initial trip payment. This could be after you book your flight, hotel, or tour. 

This is also a good idea if you're thinking of adding trip cancellation or trip interruption coverage to your existing plan. Trip cancellation or trip interruption insurance will start immediately after you purchase it and will provide you with coverage if your trip is cancelled or interrupted for a covered reason. This could be an event that occurs before or during your trip. With the TD Insurance Trip Cancellation & Interruption Plan, your coverage can be purchased up to 186 days before your departure date.

Now that you have a clearer picture of the TD Insurance Single-Trip Medical Plan, why not start with a quote? You can get your free, no-obligation quote online in four simple steps.

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