The TD First Class Travel Visa Infinite Benefit Coverages Guide

The TD First Class Travel Visa Infinite

Beneit Coverages Guide

This document contains important and useful information

about your embedded Insurance Beneits and Services for your

TDFirstClass Visa Ininite* 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.

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This document includes:

Travel Medical Insurance Certiicate

Trip Cancellation/Trip Interruption Insurance Certiicate

Common Carrier Travel Accident Insurance Certiicate

Delayed and Lost Baggage Insurance Certiicate

Flight/Trip Delay Insurance Certiicate

Auto Rental Collision/Loss Damage Insurance Certiicate

Purchase Security and Extended Warranty Protection Certiicate

Emergency Travel Assistance Services

Mobile Device Insurance Certiicate

Hotel/Motel/Burglary Insurance Certiicate

TRAVEL MEDICAL INSURANCE

If You are 64years of age or under: Coverage is provided for the irst

21consecutive days of Your Covered Trip. If You are 65years of age or

older: Coverage is provided for the irst 4consecutive days of Your Covered

Trip. If the duration of Your trip will be longer than 21days or 4days, You

can apply to extend Your coverage by contacting Our Administrator at

18663741129.

Coverage under this Certiicate is provided by:

TDLife Insurance Company (“Insurer”)

P.O.Box1, TDCentre, 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: 18663741129or +14169774425

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 Certiicate before You

travel. Italicized and capitalized terms are deined in Your Certiicate.

• 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 18663741129 (toll-free) from Canada

or the U.S., or +14169774425 (collect) from other countries before

seeking Treatment or Your beneits may be limited or denied.

• In the event of a claim Your prior medical history may be reviewed.

IT IS YOUR RESPONSIBILITY TO UNDERSTAND YOUR COVERAGE.

Please read Your Certiicate for speciic coverage, details, limitations

and exclusions. If You have questions, call 18663741129 or visit

td.com/agreements

Section1– Summary of Beneits

Beneits Maximum Beneit Payable

Medical Emergency Insurance $2,000,000 per Insured Person per

Covered Trip

Section2– Introduction

Certiicate of Insurance

This Certiicate applies to the TDFirstClass Travel Visa Ininite Card, which

will be referred to as a “TDCredit Card” throughout the Certiicate. TDLife

Insurance Company (“TDLife”) provides the insurance for this Certiicate

under Group Policy No.TGV002 (the “Group Policy”). Our Administrator

administers the insurance on behalf of TDLife, and provides medical and

claims assistance, claims payment and administrative services under the

Group Policy. This Certiicate 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 18663741129

(toll-free) from 8a.m. to 8p.m.ET, Monday to Friday.

• When travelling and You require emergency health care or

24Hour Emergency Assistance, contact Our Administrator:

Call 18663741129(toll-free) from Canada or the U.S., or

+14169774425 (collect) from other countries.

• In a Medical Emergency, You must call Our Administrator immediately,

or as soon as reasonably possible. If not, beneits will be limited as

described in Section6– “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.

Section3– Eligibility

The Primary Cardholder is eligible to be insured under this Certiicate 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 P

rimary Cardholder’s Spouse is eligible to be insured under this

Certiicate if, throughout the Covered Trip:

• the Primary Cardholder is eligible to be insured under this Certiicate

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 deinition of Spouse of the Primary

Cardholder.

The Primary Cardholder’s Dependent Child is eligible to be insured under

this Certiicate 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 Certiicate

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 deinition 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 Certiicate if,

throughout the Covered Trip:

• the Primary Cardholder is eligible to be insured under this Certiicate

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 deinition of Additional Cardholder.

Note: The Spouse and children of an Additional Cardholder a

re not eligible

for coverage under this Certiicate 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:

• T

his Certiicate does not oer any coverage after the end of the

Maximum Number of Covered Days.

• If an Insured Person 64years of age and under is planning a trip that

will last more than 21days, or an Insured Person 65years of age or

older is planning a trip that will last more than 4days, 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 dierent TDLife group policy.

Dierent 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 18663741129 prior to Your Departure Date for more

information or if You would like to obtain a quote.

Section4– Deinitions

In this Certiicate, the following words and phrases capitalized and

italicized have the meanings shown below. As You read through the

Certiicate, 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 TDCredit Card Account that the

Bank maintains.

Additional Cardholder means a person to whom a TDCredit Card has

been issued at the authorization of the Primary Cardholder.

Bank means The Toronto-Dominion Bank.

Certiicate means this Certiicate 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 Section7– “How to Become Insured

or Extend Coverage” of the Certiicate 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.

Note: In the event of a claim, the Insured Person w

ill 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 dierent TDLife group policy for the number of days that the trip will

exceed the Maximum Number of Covered Days.

Dierent 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 18663741129 prior to Your Departure Date for more information or if

You would like to obtain a quote.

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 22years of age; or

• under 26years 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 a

re deined in Section5–

“Description of Insurance Coverage”.

Government Health Insurance Plan (GHIP) means a Canadian provincial

or territorial government health insurance plan.

Good Standing means an Account i

s 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

staed 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 24hours 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 conined 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

Certiicate described in Section3– “Eligibility”.

Maximum Number of Covered Days means the irst 21consecutive days

r Insured Persons 64years of age and under, and the irst 4consecutive

days for Insured Persons 65years 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 31weeks of pregnancy; a mental or emotional disorder, including

acute psychosis that requires admission to a Hospital).

Medical Emergency me

ans 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 beneit under

this Certiicate is as follows:

• Insured Persons 64years of age and under– 90days immediately

before the beginning of the Coverage Period; and

• Insured Persons 65years of age or older– 180days immediately

before the beginning of the Coverage Period.

Primary Cardholder means a person who applied for a TDCredit Card,

whose name is on the Account and to whom a TDCredit 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 has lived with for at least 1continuous

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 T

reatment 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 3individuals (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 TDLife Insurance Company.

You and Your mean the Primary Cardholder.

Section5– Description of Insurance Coverage

Travel Medical Emergency Coverage

Travel Medical Emergency coverage provides beneits to travellers in

emergency medical situations outside of Your province/territory of

residence. We will pay a Medical Emergency Beneit if an Insured Person

suers a Medical Emergency during the Coverage Period on a Covered Trip.

Medical Emergency Beneit means, subject to the maximum beneit

payable of up to $2,000,000 or the beneit 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 m

ean:

1. Hospital beneit: 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.

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 arranges this service.

7. Prescription Drugs:

• reimbursement of prescription drugs prescribed during the Covered

Trip and required as part of emergency Treatment.

Exclusion: V

itamins and patent, proprietary and experimental drugs

are excluded.

8. Ac

cidental 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 3consecutive

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 Beneit

• 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 beneit or a Travelling

Companion Beneit; and

• Our Administrator has

approved the Bedside Companion Beneit

in advance.

14. T

ravelling Companion Beneit

• The cost of a single one-way economy airfare if:

• an Insured Person suers 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

• 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 48hours.

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 a

rranges for the return of the vehicle.

18. Return of Deceased

• u

p 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 on your behalf must call Our

Administrator immediately, or as soon as reasonably possible. If not,

beneits will be limited as described below in Section6– “Limitations and

Exclusions”, under “Failure to Report”. Some expenses will only be covered

if Our Administrator approves them in advance.

You can get help 24hours a day, 7days a week by contacting Our

Administrator: Call 18663741129(toll-free) from Canada or the U.S., or

+14169774425(collect) from other countries.

Our Administrator wi

ll verify whether coverage is in eect 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 Certiicate.

Section6– Limitations and Exclusions

Limitations and exclusions that apply to a particular beneit are found

above, in the description of those beneits. In addition, for all beneits, this

Certiicate 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 beneit 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 64years of age and under– 90days

immediately before the beginning of the Coverage Period; and

• For Insured Persons 65years of age or older– 180days

immediately before the beginning of the Coverage Period.

2. Failure to report

• A Medical Emergency must be reported by You to Our Administrator

within 48hours 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 48hours

of admission to a Hospital, or as soon as reasonably possible.

• If the Medical Emergency is not reported as required, the maximum

beneit payable with respect to the Medical Emergency will be 80%

of the Eligible Medical Emergency Expenses, to a limit of $30,000.

3. Failure to obtain advance approval

• Where an Eligible Medical Emergency Expense speciies that it must

be approved in advance by Our Administrator, if advance approval

is not obtained, no beneit will be payable for that expense.

• No beneit 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 O

ur 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, beneits will not be paid for further

medical Treatment.

5. Ongoing M

edical 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 beneit 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 beneit 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 beneit with respect to the continued Treatment,

recurrence or complication of a Medical Condition or

related condition where Treatment was received without notiication

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 beneit 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. Travelling for the purpose of obtaining Treatment

• We w

ill not pay a beneit 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.

10. T

ravelling when Treatment could be expected

• We will not pay a beneit 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 beneit if any evident symptoms that would be

reasonable to expect You to investigate in the 3months prior to Your

Departure Date on a Covered Trip.

11. Medical Emergency occurring outside the Coverage Period

We will not pay a beneit if a Medical Emergency that occurs before

the Coverage Period begins or after it ends:

• For an Insured Person 64years of age and under, this means, for

example, that no beneit will be paid with respect to any Medical

Emergency if an Insured Person’s Medical Emergency occurs after

the irst 21days following an Insured Person’s Departure Date from

their province or territory of residence.

• For an Insured Person 65years of age or older, this means, for

example, that no beneit will be paid with respect to any Medical

Emergency if an Insured Person’s Medical Emergency occurs after

the irst 4days following an Insured Person’s Departure Date from

their province or territory of residence.

For clarity, no beneit will be paid with respect to a Medical Emergency

that occurs after 11:59p.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.

12. General

As noted above, the beneits 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 beneit will be payable in connection with Treatment, services or

expenses related to or resulting from:

a) Misrepresentation

• Any M

edical 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 9weeks before the expected date of delivery or any time

after delivery; or

• child born during the Covered Trip.

c) Intentionally self-inlicted injuries

• intentionally self-inlicted 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) Non-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) Abuse 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) Illegal Act

• Claim that results from or is related to Your involvement in the

commission or attempted commission of a criminal oence or

illegal act in the country where the claim was incurred, including

driving while impaired or over the legal limit.

g) Professional Sports or Racing

• participation in professional sports or any organized racing or

speed contests.

h) 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 war, riot or civil unrest; or

• rebellion; or

• revolution; or

• insurrection; or

• any service in the armed forces while on duty.

i) Commuting

• a

ny 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 certiication;

 any airborne activity in any aircraft other than a passenger

aircraft that holds a valid certiicate 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.

k) Travel Advisory

• where an oicial 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 speciic

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

ite.

This exclusion does not apply to claims for a Medical Emergency or

a Medical Condition unrelated to the travel advisory.

14. Travel against medical advice

• a

ny claim incurred after a Physician advised You not to travel.

15. Coverage and/or payment beneit prohibited by law

• this coverage shall be null and void and no beneit will be payable

where the coverage and/or payment of the beneit 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 beneit 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 Certiicate.

Section7– 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 Section3– “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 (21consecutive days for Insured Persons 64years of age

and under, and 4consecutive days for Insured Persons 65years 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:

overage for the Primary Cardholder under this Certiicate 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 Certiicate 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 beneits will be paid under this Certiicate for losses incurred after

coverage has terminated.

Automatic Extension of Coverage

If an Insured Person is suering 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

72hours following the end of the Medical Emergency:

• for that Insured Person; and

• for any other Insured Person if:

• Our Administrator has approved a Travelling Companion Beneit for

that other Insured Person; and

• that other Insured Person was insured under this Certiicate with

respect to the Covered Trip at the Termination Date.

However, under no circumstances will coverage continue after termination

of the Group Policy or the Account.

How to Top Up the Coverage Period

You can apply to top up the Coverage Period b

y contacting Our

Administrator.

Coverage may be available under a dierent TDLife group policy. Dierent

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

18663741129 prior to Your Departure Date for more information or if You

would like to obtain a quote.

Section8– How to Submit a Claim

Who to Contact to Submit a Claim:

A Medical Emergency should always be reported immediately, or beneits

will be limited. You can get help 24hours a day, 7days a week by

contacting Our Administrator at 18663741129 (toll-free) from Canada or

the U.S., or +14169774425 (collect) from other countries.

Complete the Required Form

a) Request the Form: To request a claim form, call Our Administrator at

18663741129 (toll-free) from 8a.m. to 8p.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

certiicates) as soon as possible. In every case, You must submit Your

completed claim form with required documentation within 1year 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 beneit 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, beneits will be limited as

described in Section6– “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 o

r 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.

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 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 Section10– “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 conirm 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 Certiicate, the Insured

Person must reimburse Us.

Section9– How To Contact Our Administrator

1. 24Hour Emergency Assistance Number

To report a Medical Emergency or apply for a top-up or extension

for a Covered Trip, contact Our Administrator, 24hours a day, 7days

a week, at 18663741129(toll-free) from Canada or the U.S., or

+14169774425(collect) from other countries.

2. Customer Service

Re: TDTravel Insurance c/o Global Excel Management Inc.

73Queen Street, Sherbrooke, Quebec J1M0C9 Fax: +1

8195692814

To request a claim form or for claims support, call Our Administrator at

18663741129(toll-free) from 8a.m. to 8p.m.ET, Monday to Friday.

Section10– General Conditions

Unless this Certiicate 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.

Beneit Payments

This Certiicate contains provisions removing or restricting the right of the

Insured Person to designate persons to whom or for whose beneit money

is to be payable. This means that under the Group Policy, neither You nor

any Insured Person has the right to choose a beneiciary who will receive

any beneits payable under this Certiicate. Beneits are payable to You or,

on Your behalf, to Your medical service provider.

Coordination of Beneits 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 beneits payable under all

Your insurance, including this Certiicate, cannot be more than the

actual expenses for a claim. If an Insured Person is also insured under

any other insurance certiicate or policy, We will coordinate payment

of beneits 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 beneits

is $50,000 or less. If the lifetime maximum for all in-country and

out-of-country beneits is over $50,000, We will coordinate beneits

only above this amount.

Currency

All amounts are shown in Canadian currency.

False Claim

If Yo

u 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 beneits of this coverage, nor to the payment of any claim under the

Group Policy.

Group Policy

ll beneits under this Certiicate are subject in every respect to the Group

Policy, which alone constitutes the agreement under which beneits will

be provided. The principal provisions of the Group Policy aecting Insured

Persons are summarized in this Certiicate. The Group Policy is on ile at the

oice 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 1year

from the date on which the loss occurred.

Relationship between Us and the Group Policyholder

TDLife Insurance Company is ailiated with The Toronto-Dominion Bank

(“TDBank”).

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 rights to collect payment from

the other person or entity.

We will pay the costs for the actions We take.

TRIP CANCELLATION / TRIP INTERRUPTION INSURANCE

Coverage under this Certiicate is provided by:

TDLife Insurance Company

and TDHome and Auto Insurance Company (“Insurer”)

P.O. Box 1, TDCentre, 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: 18663741129 or +14169774425

This Certiicate contains a clause which may limit the amount payable.

MPORTANT 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 Certiicate before You

travel. Italicized and capitalized terms are deined in Your Certiicate.

• 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 18663741129 (toll-free) from Canada

or the U.S., or +14169774425 (collect) from other countries before

You need to cancel or interrupt Your Covered Trip or Your beneits may

be limited or denied.

• In the event of a claim Your prior medical history may be reviewed.

IT IS YOUR RESPONSIBILITY TO UNDERSTAND YOUR COVERAGE.

Please read Your Certiicate for speciic coverage, details, limitations and

exclusions.

Section1– Introduction

Certiicate of Insurance

Claims administration and adjudication services are provided by Global

Excel Management Inc. This Certiicate applies to the TDFirstClass

Travel Visa Ininite Card, which will be referred to as a “TDCredit Card”

throughout the Certiicate. TDLife Insurance Company (“TDLife”) provides

the insurance for the Medical Covered Causes for Cancellation and the

Medical Covered Causes for Interruption under this Certiicate under Group

Policy No.TGV003.

TDHome 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 Certiicate under

Group Policy No.TGV006. Together, these policies are referred to as the

“Group Policies”. This Certiicate contains important information. Please

read it carefully and take it with You on Your trip.

Section2– Summary of Beneits

Beneits Maximum Beneit 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.

Section3– Eligibility

The Primary Cardholder is eligible to be insured under this Certiicate if,

throughout the Covered Trip, the Primary Cardholder:

• is a resident of Canada; and

• has an Account in Good Standing.

The P

rimary Cardholder’s Spouse is eligible to be insured under this

Certiicate if, throughout the Covered Trip:

• You are eligible to be insured under this Certiicate as described

above, even if You are not travelling; and

• the Spouse:

• is a resident of Canada; and

• continues to meet the deinition of Spouse of the Primary

Cardholder.

The Primary Cardholder’s Dependent Child is eligible to be insured under

this Certiicate 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 Certiicate as described

above, even if You are not travelling; and

• the Dependent Child:

• is a resident of Canada; and

• continues to meet the deinition of Dependent Child.

An Additional Cardholder is eligible to be insured under this Certiicate if,

throughout the Covered Trip:

• You are eligible to be insured under this Certiicate as described

above, even if You are not travelling; and

• the Additional Cardholder:

• is a resident of Canada; and

• continues to meet the deinition of Additional Cardholder.

Note: An Additional Cardholder’s Spouse and children 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).

Section4– Deinitions

In this Certiicate, the following words and phrases shown in italics have

the meanings shown below. As You read through the Certiicate, 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 TDCredit Card Account that the

Bank maintains.

Account Holder means the person who was issued a TDCredit Card,

whose name is on the Account and who is a resident of Canada.

Additional Cardholder means a person to whom a TDCredit Card has

been issued at the authorization of the Primary Cardholder.

Bank m

eans The Toronto-Dominion Bank.

Certiicate means this Certiicate 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 speciic charge.

Coverage Period means the period of time during which a covered event

must occur for a beneit to be payable. Furthermore, it means the Trip

Cancellation Coverage Period or the Trip Interruption Coverage Period, as

applicable and as deined in Section7– “How to Become Insured” of the

Certiicate.

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 TDRewards 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 22years of age; or

• under 26years of age and attending an institution of higher

learning, full time, in Canada; or

• mentally or physically handicapped.

Note: A Dependent Child d

oes 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.

Eective Date means the date Your Certiicate takes eect 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 Eective Date shall be eligible for coverage.

Good Standing means an Account i

s 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 staed 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.

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 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

Certiicate.

Medical Condition means any disease, illness, or injury (including

symptoms of undiagnosed conditions; complication of pregnancy within

the irst 31weeks 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

se 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 m

eans any Medical Condition that exists

in the Pre-Existing Medical Condition Period.

Pre-Existing Medical Condition Period with respect to any beneit under

this Certiicate is as follows:

• Insured Persons 64years of age and under– 90days immediately

before the beginning of the Coverage Period; and

• Insured Persons 65years of age or older– 180days immediately

before the beginning of the Coverage Period.

Primary Cardholder means a person who applied for a TDCredit Card,

whose name is on the Account and to whom a TDCredit 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 has lived with for at least 1continuous

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

edication of the same dosage.

TDRewards Points mean the rewards units earned for goods and

ervices charged to the Account through the TDTravel Rewards Program

associated to the Account.

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 3individuals (including You) will be considered

Travel Companions on any one trip.

Treated or Treatment means 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:

• TDLife with respect to the medically covered causes for Trip

Cancellation and Trip Interruption Insurance; and

• TDHome & Auto with respect to the non-medically covered causes for

Trip Cancellation and Trip Interruption Insurance.

You and Your mean the Primary Cardholder.

Section5– Description Of Insurance Coverage

Trip Cancellation and Trip Interruption Insurance Beneits

Trip Cancellation and Trip Interruption Insurance provides coverage for the

following causes for Cancellation and Interruption.

Trip Cancellation Insurance Beneits

We will pay a Trip Cancellation Beneit 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 Beneit means Eligible Trip Cancellation Expenses,

subject to the Maximum Beneit Payable described in Section2–

“Summary of Beneits”.

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 TDRewards 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

he 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 certiies, 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

 the Insured Person or Travelling Companion provides the

Physician’s certiication 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

rson’s host at the destination.

b) N

on-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

30days 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 traic 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: T

he outright cancellation of Common Carrier travel is not

considered a delay.

Limitation: The beneit under this Covered Cause for Cancellation is the

Insured Person’s one-way economy fare via the most cost-eective route

to the Insured Person’s next destination.

Trip Interruption Insurance Beneits:

We w

ill pay a Trip Interruption Beneit 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 Beneit means Eligible Trip Interruption Expenses, subject

to the Maximum Beneit Payable described in Section2– “Summary of

Beneits”.

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.

Exclusion: T

here 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

overed 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 traic 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 I

nsured Person who is a military,

police or ire reservist.

Exclusion: T

he outright cancellation of a light is not considered as

adelay.

Limitation: The beneit under this Covered Cause for Interruption is the

Insured Person’s one-way economy fare via the most cost-eective 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 TDRewards Points. The amount payable

under Trip Cancellation Insurance coverage is limited to the cancellation

penalties in eect 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 24hours 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 Section8– “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 Section9– “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 24hours to

discuss alternate travel arrangements.

Section6– Limitations and Exclusions

Limitations and Exclusions that Apply to Trip Cancellation

For Trip Cancellation, this Certiicate 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 beneit 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 beneit 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

• B

eneits will be limited to cancellation penalties in eect 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 beneit 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 Trip Interruption, this Certiicate 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 beneit 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 beneit 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 beneit will be payable with respect to an interruption that

curs before the Trip Interruption Coverage Period begins or after it

ends.

4. Su

ms 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 beneit 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

• Under no circumstance will Trip Interruption Beneits include the

cos

t of prepaid unused return travel.

Limitations and Exclusions that Apply to Trip Cancellation

nd Trip Interruption

For all beneits, this Certiicate 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 beneits 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 oence 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

• claim related to routine pre-natal or post-natal care; or

• claim related to pregnancy, delivery or complications of either,

arising 9weeks before the expected date of delivery or any time

after delivery.

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

• r

evolution; or

• insurrection; or

• any service in the armed forces while on duty.

11. Travel advisory

• where an oicial 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 speciic 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 certiication;

 any airborne activity in any aircraft other than a passenger

aircraft that holds a valid certiicate of airworthiness;

 any competition, speed event or other high-risk activity

nvolving the use of a motor vehicle on land, water or air,

including training activities, whether on approved tracks or

elsewhere.

13. Intentional self-inlicted injury

• i

ntentional self-inlicted 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 beneit will be paid with respect to an incident that

occurs after 11:59p.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 beneit prohibited by law

• This coverage shall be null and void and no beneit will be payable

where the coverage and/or payment of the beneit is prohibited

by Canadian law or by any other applicable national economic or

trade sanctions law or regulation.

16. TDRewards Points or any other Frequent lyer plan rewards units

• Under no circumstance will any beneit be payable in connection

with the value of frequent lyer plan rewards units that have been

lost or wasted.

Section7– How To Become Insured

How to Become Insured

You will have coverage if You meet the requirements in Section3–

“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 TDCredit Card and/or Your TDRewards Points.

The Trip Cancellation Coverage Period ends on the earlier of:

• the date the Insured Person departs or plans to depart on the Covered

Trip; and

• the date this Certiicate terminates.

Trip Interruption Coverage Period (w

hen the Covered Causes for

Interruption occurs during Your trip)

• T

he 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

TDCredit Card and/or Your TDRewards Points.

The Trip Interruption Coverage Period ends on the earlier of:

• the date the Insured Person is scheduled to return from the Covered

Trip; or

• the date this Certiicate terminates.

When Your Certiicate Terminates

Coverage for the Primary Cardholder under this Certiicate 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 Certiicate 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 beneits will be paid under this Certiicate for losses incurred after

coverage has terminated.

Section8– 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 1year 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 18663741129

(toll-free) from Canada or the U.S., or +14169774425 (collect) from other

countries.

Complete the Required Form

. Request the Form: To request a claim form, call Our Administrator at

18663741129 (toll-free) from 8a.m. to 8p.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 certiicates) as soon as possible. In every case, You must report

Your claim and submit Your completed claim form with required

documentation within 1year 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

conirm that the full costs of Eligible Expenses were charged to Your

Account and/or using Your TDRewards Points;

• a medical document, fully completed by the legally qualiied

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;

• 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

uppliers or tour operators;

• the Insured Person w

ill 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 Certiicate, 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 Section10– “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 conirm 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 Certiicate, the Insured

Person must reimburse Us.

If You D

o Not Report the Claim Immediately

It is important to cancel or interrupt Your Covered Trip immediately, but

no later than 24hours following the Covered Cause for Cancellation or

interruption because the amount payable under this Certiicate may be

limited to any penalties imposed by Your travel provider(s) which are in

eect on the date the Covered Cause for Cancellation or interruption

occurs. If not, beneits will be limited as described under “Trip Cancellation

and Trip Interruption Insurance Limitations and Exclusions”. Refer to

Section9– “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 60days 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 60days after receipt

of the required claim forms and written proof of loss.

Section9– How to Contact Our Administrator

24-hour Emergency Assistance Number

To enquire about these beneits, or to make arrangements with respect

to Trip Cancellation and Trip Interruption Insurance, contact Our

Administrator, 24hours a day, 7days a week, at 18663741129 (toll-free)

from Canada or the U.S., or +14169774425 (collect) from other countries.

To request a claim form or for claims support, call Our Administrator at

18663741129 (toll-free) from 8a.m. to 8p.m.ET, Monday to Friday.

Section10– General Conditions

Unless this Certiicate 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.

Beneit Payments

This Certiicate contains provisions removing or restricting the right of the

Insured Person to designate persons to whom or for whose beneit money

is to be payable. This means that under the Group Policy, neither You nor

any Insured Person has the right to choose a beneiciary who will receive

any beneits payable under this Certiicate. Beneits are payable to You or,

on Your behalf, to Your medical service provider.

Currency

All amounts shown are in Canadian currency.

Group Policy

All beneits under this Certiicate are subject in every respect to the Group

Policy, which alone constitutes the agreement under which beneits will

be provided. The principal provisions of the Group Policy aecting Insured

Persons are summarized in this Certiicate. The Group Policy is on ile at the

oice 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 beneits payable under all Your insurance, including

this Certiicate, cannot be more than the actual expenses for a claim. If

an Insured Person is also insured under any other insurance certiicate or

policy, We will coordinate payment of beneits 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 beneits 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

TDLife Insurance Company and TDHome and Auto Insurance Company

are ailiated with The Toronto-Dominion Bank (“TDBank”).

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

here 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 w

ill pay the costs for the actions We take.

COMMON CARRIER TRAVEL ACCIDENT INSURANCE

Coverage under this Certiicate is provided by:

TDLife Insurance Company (Insurer)

P.O. Box 1, TDCentre, 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: 18663741129 or +14169774425

Section1– Introduction

Certiicate of Insurance

Claims administration and adjudication services are provided by Global

Excel Management Inc. The Certiicate applies to the TDFirstClass

Travel Visa Ininite Card, which will be referred to as a “TDCredit Card”

throughout the Certiicate. TDLife Insurance Company (“TDLife”) provides

the insurance for this Certiicate under Master Policy #TGV009 (the “Policy”)

issued to The Toronto-Dominion Bank. This Certiicate contains a clause

which may limit the amount payable.

Section2– Eligibility

Insured Person as deined provided that:

• Your Account privileges have not been terminated or suspended; and

• Your Account is not more than 90days past due; and

• Your TDCredit Card must be in Good Standing.

Section3– Deinitions

In this Certiicate, the following words and phrases shown in italics and

capitalized have the meanings shown below. As You read through the

Certiicate, 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 TDCredit 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 m

eans a person to whom a TDCredit Card has

been issued at the authorization of the Primary Cardholder.

Certiicate means this Certiicate 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 beneits 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 TDRewards Points earned on Your TDTravel Rewards Program. If Your

TDRewards 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

• under 21years of age; or

• under 25years 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 m

eans 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 TDCredit Card,

whose name is on the Account and to whom a TDCredit 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 indeinite

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 qualiied, or could be qualiied, by

reason of education, training, experience, or skill.

The Permanent Total Disability must have existed for 12consecutive

months.

(Note: Permanent Total Disability beneits 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 48consecutive 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 8occupants (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 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

ervices charged to the Account through the TDTravel Rewards Program

associated to the Account.

We, Us and Our mean TDLife Insurance Company.

Section4– Common Carrier Accident Coverage

Beneits will be paid as speciied in the Schedule of Beneits below if an

Insured Person suers 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.

Section5– Rental Car Accident Coverage

Beneits will be paid as speciied in the Schedule of Beneits below if an

Insured Person suers 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 TDRewards Points earned under

Your TDRewards Points program. If Your TDRewards 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

inluence of any narcotic unless prescribed by a licensed physician.

The maximum beneit payable for any one Rental Car Accident is

$2,000,000 in total.

Section6– Schedule of Beneits and Important Conditions

If an Insured Person has multiple Losses as the result of one accident,

only the single largest beneit amount applicable to the Loss suered is

payable. The following beneits are provided if the Loss occurs as a result

of an accident within 1year from the date of the accident:

A. Accidental Death or Dismemberment, Loss of Sight, Speech or

Hearing and Paralysis Beneits

Accidental Loss of Beneit 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

threeingers 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” w

ith 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

12consecutive months.

B. P

ermanent Total Disability and Coma Beneits

Loss Beneit Amount

Permanent Total Disability $500,000

Coma $500,000

i. Permanent Total Disability beneits are available only to You and Your

Spouse. Beneit amount (less any amount paid under Section6–

“Schedule of Beneits and Important Conditions” (A) and (B) is

payable if an Insured Person sustains Permanent Total Disability within

365days after the date of the accident and the Permanent Total

Disability continues for 12consecutive months.

ii. Coma beneits are available only to Your Dependent Child(ren). An

elimination period of 31days applies, which commences on the date

the Dependent Child(ren) enter into a Coma. Coma beneits are not

payable, nor do they accrue, during an elimination period. The Coma

beneit amount is payable monthly at a rate of 1% of the beneit

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 beneit amount shown above. If the

Dependent Child dies as a result of the accident during the period for

which this Coma beneit is payable, we will pay a lump sum equal to

the Dependent Child’s loss of life beneit amount, less Coma beneit

amounts already paid.

C. Exposure and Disappearance

i. When by reason of an accident described in Section4– “Common

Carrier Accidental Coverage”, the Insured Person is unavoidably

exposed to the elements and as a result of such exposure suers a

Loss, the amount set out in the Schedule of Beneits shall be paid.

ii. If the Insured Person h

as not been found within 1year 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 suered a

loss of life.

Section7– Special Beneits

a) Family Transportation Beneit

i. When an Insured Person is conined as an in-patient in a hospital due

to Accidental Bodily Injuries that result in a Loss, TDLife 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 beneit

amount being payable, TDLife 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 Beneit payable is $5,000 per

Insured Person who is hospitalized as described above.

b) Repatriation Beneit

When Accidental Bodily Injuries result in a Loss of life beneit amount

being payable, and the Loss of life occurs at least 100kilometres from

the Insured Person’s permanent city of residence, TDLife will pay for

the cost of preparation and transportation of Insured Person’s body to

such place of residence. The maximum Repatriation Beneit payable is

$10,000 per Loss of life.

c) Rehabilitation Beneit

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 coninement 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 2years from the date of the accident.

No p

ayment will be made for ordinary living, travelling or clothing

expenses.

Section8– Payment of Beneits

The Loss of life beneit of an Account Holder will be paid to the designated

beneiciary. This choice must be in writing and iled with Our Administrator.

All other beneit amounts for Losses suered by the Account Holder

are paid to the Account Holder. The Loss of life beneit of a Spouse or

Dependent Child will be paid to the Account Holder, if living, otherwise to

the designated beneiciary. This choice must be in writing and iled with

Our Administrator. All other beneit amounts for Losses suered 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

beneiciary, or if there is no beneiciary alive when the Insured Person dies,

TDLife will pay the beneit amount to the Account Holder’s estate.

Section9– 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-inlicted.

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 beneit under this certiicate 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.

Section10– How to Submit a Claim

IMPORTANT NOTE: You must report Your claim to Our Administrator within

30days after the date of the occurrence of commencement of any Loss

covered by this Certiicate 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 90days after the

date of Loss.

Who to Contact to Submit a Claim

To submit a claim, please contact Our Administrator at 18663741129

(toll-free) from Canada or the U.S.; or +14169774425 (collect) from other

countries.

Complete the Required Form

1) Request the Form: To request a claim form, call Our Administrator at

18663721129 (toll-free) from 8a.m. to 8p.m.ET, Monday to Friday.

2) Time limit from date of event: If You are making a claim, You must report

Your claim to Our Administrator within 30days 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 certiicates) as soon as possible, but no later than 90days after

the date of Loss. Failure to provide the applicable documentation may

invalidate Your claim.

Section11– 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.

Section12– General Conditions

Conformance with Statutes

Any terms of this Policy which are in conlict 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 Certiicate 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 certiicates or TDCredit

Cards entitle an Insured Person to beneits in excess of those described

herein for any Loss sustained.