Td First Class Travel Visa Infinite Card Trip Cancellation Insurance

If you’re someone who loves to travel, you might have already heard about the TD First Class Travel Visa Infinite Card, a premium credit card offered by TD Bank that is designed for frequent travelers. One of the most valuable benefits of this card is its Trip Cancellation Insurance, which can provide you with peace of mind and protect your investment when you have to cancel your trip due to unforeseen circumstances. In this article, we’ll take a closer look at this benefit and everything you need to know about it.

What is TD First Class Travel Visa Infinite Card?

The TD First Class Travel Visa Infinite Card is a travel rewards credit card that offers a wide range of benefits, including travel insurance, concierge service, and VIP airport lounge access. The card also offers a generous rewards program, allowing you to earn TD Points for every dollar spent on qualifying purchases, which can be redeemed for flights, hotels, car rentals, and other travel-related expenses.

One of the key features of the card is its Trip Cancellation Insurance, which provides coverage in case you have to cancel your trip due to a covered reason. Let’s dive into the details of this benefit.

What is Trip Cancellation Insurance?

Trip Cancellation Insurance is a type of travel insurance that can provide you with reimbursement for non-refundable prepaid expenses in case you have to cancel your trip due to a covered reason, such as illness, injury, or death of yourself or a family member, or other unforeseeable events such as job loss, natural disasters or serious damage to your home. Depending on the policy, Trip Cancellation Insurance may also cover other benefits such as trip interruption, delay or baggage loss.

How does TD First Class Travel Visa Infinite Card’s Trip Cancellation Insurance work?

The TD First Class Travel Visa Infinite Card provides Trip Cancellation Insurance of up to $1,500 per covered person and up to a maximum of $5,000 per covered trip. To be eligible for this benefit, you must have charged your travel expenses in full to your TD First Class Travel Visa Infinite Card, or points earned from the Card. Charges made by authorized users on the Card are also covered.

You need to activate your Trip Cancellation Insurance by calling TD’s travel insurance partner, TD Life Insurance Company, at least 48 hours before your scheduled departure date. You will need to provide details about your trip, such as the dates of travel and the cost of your prepaid expenses. TD Life Insurance Company will verify your eligibility and confirm your coverage.

If you have to cancel your trip due to a covered reason, you must notify TD Life Insurance Company as soon as possible, but no later than 48 hours after the event causing the cancellation. You will need to provide documentation such as a letter from a physician, death certificate, or police report, depending on the reason for cancellation. Once TD Life Insurance Company approves your claim, you can expect to receive reimbursement for your non-refundable prepaid travel expenses within a few weeks.

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What is covered and not covered by TD First Class Travel Visa Infinite Card’s Trip Cancellation Insurance?

TD First Class Travel Visa Infinite Card’s Trip Cancellation Insurance covers a wide range of reasons for cancellation, including illness, injury, or death of yourself or a family member, job loss, natural disasters or serious damage to your home, and other unforeseeable events such as trip provider bankruptcy. However, there are also some exclusions and limitations to the coverage, such as pre-existing medical conditions, voluntary cancellation, and travel to countries with a government-issued travel advisory. It is important to carefully read and understand the terms and conditions of the insurance policy before activating the benefit.

The Bottom Line

The TD First Class Travel Visa Infinite Card’s Trip Cancellation Insurance can be a valuable benefit for frequent travelers who want to protect their investment and travel plans from unforeseen events. However, it is important to understand the terms and conditions of the insurance policy, including what is covered and what is not, before activating the benefit. If you are a TD First Class Travel Visa Infinite Cardholder and plan to travel in the near future, it may be worth considering activating Trip Cancellation Insurance to give you peace of mind and financial protection.

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TD First Class Travel Visa Infinite Card’s Trip Cancellation Insurance is a travel insurance that provides reimbursement for non-refundable prepaid expenses in case you have to cancel your trip due to a covered reason.