TD Aeroplan Visa Infinite Insurance Benefits Explained
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TD Aeroplan Visa Infinite Insurance Benefits Explained

May 5, 2025

Introduction

The TD Aeroplan Visa Infinite insurance package is one of the most valuable features that come with this premium travel credit card. Whether you’re booking a vacation, renting a car, or shopping online, the card’s insurance coverage offers peace of mind. From emergency medical travel insurance to purchase security and mobile device protection, this card is designed to cater to frequent travelers and everyday users alike. In this article, we’ll explore all the insurance benefits, exclusions, and claim procedures to help you understand what you’re truly covered for.

TD Aeroplan Visa Infinite Insurance Overview

The TD Aeroplan Visa Infinite card offers a wide range of insurance protections that fall under several categories: travel insurance, rental car insurance, purchase protection, and more. These coverages automatically apply when eligible purchases are charged to your TD Aeroplan Visa Infinite Card.

Emergency Medical Insurance

You’re covered for emergency medical expenses when traveling outside your home province or territory.

  • Coverage Limit: Up to $2 million per insured person

  • Duration: First 21 days of your trip if you’re under 65; 4 days if 65 or older

  • Includes: Hospitalization, physician services, and ambulance transportation

Trip Cancellation and Trip Interruption Insurance

This benefit kicks in when unforeseen events cause you to cancel or interrupt your travel.

  • Trip Cancellation: Up to $1,500 per person / $5,000 total per trip

  • Trip Interruption: Up to $5,000 per person

  • Covered reasons include illness, injury, or death of the insured or an immediate family member.

Flight/Trip Delay Insurance

If your flight or trip is delayed for more than 4 hours, you’re eligible for reimbursement.

  • Coverage: Up to $500 per insured person

  • Eligible Expenses: Meals, hotel accommodations, and other reasonable expenses

Lost or Delayed Baggage Insurance

This coverage provides peace of mind when dealing with lost or delayed luggage.

  • Delayed Baggage: $1,000 maximum if delayed more than 6 hours

  • Lost/Stolen Baggage: Up to $1,000 per insured person per occurrence

Common Carrier Travel Accident Insurance

This insurance protects you and your family in case of accidental death or dismemberment while traveling on a common carrier like a plane, train, bus, or cruise.

  • Coverage: Up to $500,000 per insured person

Auto Rental Collision/Loss Damage Insurance

Say goodbye to paying extra for car rental insurance.

  • Eligibility: Must decline the rental agency’s collision/loss damage waiver and charge the full cost to your TD Aeroplan Visa Infinite

  • Duration: Up to 48 consecutive days

  • Covers: Damage or theft of the rental vehicle

Hotel/Motel Burglary Insurance

Covers loss of personal items due to burglary at a hotel or motel.

  • Coverage: Up to $2,500 per occurrence

Mobile Device Insurance

This newer benefit provides coverage for mobile devices purchased with your TD Aeroplan Visa Infinite card.

  • Coverage: Up to $1,000 for loss, theft, accidental damage or mechanical breakdown

  • Applies to: Smartphones, tablets, and smartwatches

  • Term: 2 years from purchase

Purchase Security and Extended Warranty Protection

If you’re using your TD Aeroplan Visa Infinite to shop, you’re also covered:

  • Purchase Security: Items are covered against loss, theft, or damage for 90 days from the purchase date

  • Extended Warranty: Doubles the manufacturer’s warranty up to an additional year

Claim Process and Documentation

Filing an insurance claim can be straightforward if you follow these steps:

  1. Call the insurance provider as soon as the incident occurs.

  2. Submit required documents, including receipts, police reports (if applicable), and medical reports.

  3. Retain all original receipts and a copy of your TD Aeroplan Visa Infinite statement showing the relevant transaction.

  4. File within the stated deadline, usually within 30 to 90 days depending on the type of claim.

Exclusions to Be Aware Of

While the TD Aeroplan Visa Infinite insurance coverage is robust, some exclusions apply:

  • Pre-existing conditions not stable before departure may not be covered.

  • Travel to high-risk regions may void coverage.

  • Rental cars used for commercial purposes are not eligible.

  • Delayed filing or insufficient documentation may result in claim denial.
    Always review your Certificate of Insurance provided by TD to understand the fine print.

When Does Coverage Apply?

To qualify for these insurance benefits:

  • You must charge the full cost of the trip or purchase to your TD Aeroplan Visa Infinite card.

  • The name on the card must match the traveler or purchaser.

  • Coverage is automatic once the transaction is complete using the card.

Additional Card Benefits

While not part of the insurance per se, these perks complement the travel protection:

  • Aeroplan points accumulation

  • Visa Infinite concierge services

  • Exclusive access to events

  • Preferred hotel and dining benefits

Tips to Maximize Your TD Aeroplan Visa Infinite Insurance

  • Always use your card to pay for bookings and large purchases.

  • Keep electronic and physical copies of all receipts and confirmations.

  • Inform your travel companions of the insurance coverage available.

  • Register your devices when purchasing them to ensure smooth mobile device claim processing.

td aeroplan visa infinite insurance

Frequently Asked Questions (FAQs)

Does the TD Aeroplan Visa Infinite insurance cover COVID-19?
Yes, but only under certain conditions. Emergency medical coverage applies if you’re fully vaccinated and meet government travel advisories at the time of departure. Always check the most recent terms.

Do I need to notify TD before traveling?
No, coverage is automatic. However, informing TD can help in case your card is lost or stolen abroad.

What if my rental car is damaged or stolen?
As long as you decline the rental agency’s insurance and pay in full with your TD Aeroplan Visa Infinite, you’re covered for eligible damage or theft.

How long do I have to file an insurance claim?
Deadlines vary but generally fall between 30 to 90 days. Always file as soon as possible.

Can I claim both purchase security and extended warranty at the same time?
Yes, if your item is damaged or stolen within 90 days and is also defective beyond the manufacturer’s warranty, you may qualify for both.

Are dependents or family members covered under the travel insurance?
Yes, provided the full travel cost is charged to your TD Aeroplan Visa Infinite card and they travel with you.

How do I contact the insurance provider?
Contact details are provided in the insurance certificate. TD usually partners with Allianz Global Assistance for processing claims.

Conclusion

The TD Aeroplan Visa Infinite insurance coverage offers more than just travel perks—it gives you financial protection and peace of mind during everyday purchases and travel adventures. By understanding your benefits and how to use them, you can ensure you’re fully leveraging one of Canada’s most feature-rich travel credit cards. Whether it’s a delayed flight, a cracked smartphone screen, or a canceled trip, this card’s insurance suite can be a financial lifesaver when things go wrong.

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