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CREDIT CARD INSURANCE SUMMARY
Provided by TD Home and Auto Insurance Company ("TD Home & Auto")
This Product Summary Contains Important Information
The following is meant to provide an overview of the features and benefits of the insurance coverages
provided with your TD First Class Travel Visa Infinite Card. The terms and conditions of the insurance
coverages are contained in Your Certificate of Insurance ("Certificate") and in the group master policies,
which govern. All defined terms are italicized, capitalized and defined in Your Certificate.
View a copy of the Certificate
(td.com/agreements) for full details about the insurance coverages provided
with the TD First Class Travel Visa Infinite Card.
INSURER
DISTRIBUTOR
ADMINISTRATOR
TD Home and Auto Insurance Company
("TD Home & Auto")
P.O. Box 1 TD Centre
Toronto, Ontario M5K 1A2
Ph.: 1-866-361-2311
TD Home & Auto is registered with the AMF
under client number 2000471829.
The Toronto-Dominion
Bank
P.O. Box 1 TD Centre
Toronto, Ontario
M5K 1A2
Ph.: 1-800-983-8472
Global Excel Management
Inc. ("Global Excel")
73 Queen Street
Sherbrooke, Quebec J1M 0C9
Ph.: 1-866-374-1129 or
+1-416-977-4425
Credit Card Insurance Coverages Provided with TD First Class Travel
®
Visa Infinite* Credit
Card
Auto Rental Collision/Loss Damage Insurance
Purchase Security and Extended Warranty Protection
TD First Class Travel Visa Infinite Credit Card Product Summary
2
General Information You Need to Know
The following is applicable to all insurance coverages provided with the TD First Class Travel Visa Infinite
Card, unless otherwise specified:
Complaint Handling: For information about our complaint processing policy and where a
complaint may be filed, please visit our Customer Service & Problem Resolution page at:
https://www.tdinsurance.com/customer-service/problem-resolution
.
Misrepresentation: You must be accurate and complete in Your dealings with the Insurer at
all times. The Insurer will not pay a claim if You, any person insured under Your Certificate or
anyone acting on Your behalf makes a misrepresentation, attempts to deceive or mislead the
Insurer, or makes a fraudulent, false or exaggerated statement or claim.
Cancellation: Insurance coverages are considered canceled on the date the credit card
account is closed. If, at any time, You don’t want these insurance coverages, You can decide not
to use them or contact Your credit card provider to apply for a different credit card with alternative
insurance coverages.
Cost: Your TD First Class Travel Visa Infinite Card has an annual fee charged by your
credit card provider. No additional fee will be charged for the insurance coverages
provided with the TD First Class Travel Visa Infinite Card.
Claims: You must report Your claim to Our Administrator by calling 1-866-374-1129 no
later than the following time limits after the covered event(s) occurred:
Auto Rental Collision/Loss Damage Insurance
o 48 hours; refer to section 4 "Description of Insurance Coverage" for full details.
• Purchase Security and Extended Warranty Protection
o 90 days; refer to section 6 "How to Submit a Claim" for full details.
Once We have approved the claim, We will notify You and payment will be made within 60 days. If
the claim has been denied, We will inform You of the claim denial reasons within 60 days. You can
appeal the decision by submitting new information to Our Administrator. For complete details,
please see the applicable claims section (as listed above) in Your Certificate.
TD First Class Travel Visa Infinite Credit Card Product Summary
3
General Information You Need to Know
Eligibility:
Benefit
Who is Eligible
Auto Rental Collision/Loss
Damage Insurance
Primary Cardholder or
Additional Cardholder who
presents themself in person at
the Rental Agency and signs
the rental contract.
the Rental Agency’s CDW or
its equivalent
The Cardholder takes
possession of the rental
vehicle and complies with the
terms of the rental vehicle
policy
The Cardholder must be a
resident of Canada
The credit card must be in
Purchase Security and
Extended Warranty
Primary Cardholder
Additional Cardholder
Account Holder(s) (Exclusions
Apply).
The credit card must be in
good standing; and
The Account Holder must be
a resident of Canada.
Note: For full details, please see the "Eligibility" section and/or the definition of "Insured Person" in each
Certificate.
TD First Class Travel Visa Infinite Credit Card Product Summary
4
Auto Rental Collision/Loss Damage Insurance
Issued by TD Home & Auto under Group Policy Number TDV092010 (the “Policy”) to The Toronto-Dominion Bank (the
“Policyholder”). Global Excel provides Claims and Assistance services under the Group Policy.
What is included in this coverage?
Auto Rental Collision / Loss Damage Insurance provides replacement and/or repair coverage for a rental
vehicle.
What are the benefits?
Benefit
Maximum Benefit Payable
Rental
Collision/ Loss
Damage
Coverage for up to 48 consecutive days for loss, damage or theft of an
eligible rental vehicle (MSRP of rental vehicle cannot exceed $65,000)
Note: The rental agency's Collision Damage Waiver must be declined and the full cost of the rental vehicle
must be paid for using your TD Credit Card.
What are the limitations and exclusions?
This insurance contains limitations and exclusions. For example, the following vehicles will not be covered:
Van/cargo vans
Truck/pickup truck
Off road vehicle
Motorcycle
Exotic vehicles (e.g. Aston Martin, Lotus, etc.)
Antique vehicles
Additionally, coverage will not be provided with loss arising from:
Third party liability
Personal injury
Driving the rental vehicle while intoxicated
Dishonest, fraudulent, or criminal act being committed by the Insured person
Wear and tear of the rental vehicle
Operation of the rental vehicle in violation of the terms of the rental agreement
For complete details, please see section 5 "Limitations and Exclusions" in Your Certificate.
TD First Class Travel Visa Infinite Credit Card Product Summary
5
Purchase Security and Extended Warranty Protection
Issued by TD Home & Auto under Group Policy Number TDVP112008 (the “Policy”) to The Toronto-Dominion Bank (the
“Policyholder”). Global Excel provides Claims and Assistance services under the Group Policy.
What is included in this coverage?
Purchase Security provides coverage for Insured Items purchased with the TD First Class Visa Infinite Card
for ninety (90) days from the purchase date, except as excluded under the Certificate, in excess of other
applicable insurance. If the item is lost, stolen or damaged, it will be replaced or repaired, or the Account
Holder will be reimbursed for the Purchase Price.
Extended Warranty Protection provides extended warranty coverage for Insured Items. Coverage will
commence immediately following the expiry of the applicable Manufacturer’s Warranty for an additional period
equal to the Manufacturer’s Warranty coverage or one (1) year, whichever is the lesser on most items
purchased with the TD First Class Visa Infinite Card as long as there is a Manufacturer’s Warranty valid in
Canada (automatic coverage is limited to warranties five years or less.) Manufacturer’s Warranties greater
than five (5) years are covered if registered with Our Administrator within the first year after purchase of the
item.
What are the benefits?
Benefit
Maximum Benefit Payable
Purchase
Security
Coverage for eligible new items You purchase with your TD Credit Card, should they
be stolen or damaged within 90 days of purchase.
Extended
Warranty
Protection
Coverage for eligible new items You purchase with your TD Credit Card. If the item
comes with a Manufacturer’s Warranty valid in Canada, you may be entitled to double
the warranty period for up to 12 additional months.
Note: There is a maximum aggregate lifetime benefit per Account Holder of $60,000 of all TD Credit Cards of
the Account Holder.
What are the limitations and exclusions?
Purchase Security:
This insurance contains limitations and exclusions. For example, the following items are excluded:
Cash or its equivalent
Art objects
Perishable items
Automobiles, motorboats, aircraft, etc.
Additionally, loss or damage resulting from the following examples of peril will be excluded:
Abuse or fraud
Flood or earthquake
War/hostilities
Normal wear and tear
Extended Warranty Protection:
This insurance contains limitations and exclusions, which are in addition to those set out within the
Manufacturer's Warranty. For example, the following exclusions may apply:
Wear and tear or gradual reduction in operating performance
Automobiles, motorboats, aircraft etc.
Willful acts or omissions and improper installation
Used or pre-owned demos
For complete details, please see the "Exclusions" (Section 5), "General Conditions" (Section 8), and "Policy
Limits" (Section 4) sections in Your Certificate.