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Travel Insurance from TD Insurance
选择最符合您的旅行保险需求的计划。当您遭遇了诸如旅行紧急医疗、行程取消、行程中断或行李遗失等符合条件的意外情况时，保险可为您提供赔付。
If you're travelling out of the country or to another province or territory, your provincial or territorial health plan may provide little to no coverage.建议您考虑投保一份旅行保险。
您如何受益于道明的旅行保险
了解道明保险的旅行保险计划
Save 25% on TD Insurance Single-Trip Medical Plan and on Top-up or Extension for travel entirely within Canada.4
Designed for: travellers who have existing travel medical insurance and need additional days of coverage for a particular trip or want more coverage on their existing trip cancellation or trip interruption plan if their trip cost is higher than what their existing plan covers.
Compare travel insurance plans
See what each of our plans offer and choose the coverage that best suits your travel needs.
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多次旅行全面保险计划 |
单次旅行医疗计划 |
多次旅行医疗计划 |
旅行取消和中断计划 |
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全年计划 |
单次旅行医疗计划 |
全年计划 |
单次旅行医疗计划 |
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Sample policy |
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Sample policy |
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多次旅行全面保险计划
单次旅行医疗计划
多次旅行医疗计划
旅行取消和中断计划
多次旅行全面保险计划
单次旅行医疗计划
多次旅行医疗计划
旅行取消和中断计划
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多次旅行全面保险计划 |
单次旅行医疗计划 |
多次旅行医疗计划 |
旅行取消和中断计划 |
多次旅行全面保险计划 |
单次旅行医疗计划 |
多次旅行医疗计划 |
旅行取消和中断计划 |
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全年计划 |
单次旅行医疗计划 |
全年计划 |
单次旅行医疗计划 |
全年计划 |
单次旅行医疗计划 |
全年计划 |
单次旅行医疗计划 |
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Sample policy |
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如要查看规定条款以及对保险特点、权益、限制和例外情况的完整说明，请参阅保单样本。
How much can TD Insurance Travel Insurance cost
The examples below outline both the standard rate and the preferred rate.10
Scenario: Two healthy 51-year-old adults and their dependent children, ages 17 and 15, taking a 16-day international vacation costing $4,000.
旅行保险提示，助您下次出行无忧
您的旅行保险小助手
这里提供实用的文章、视频、快速提示和分步教程，涵盖有关汽车保险、房屋保险、人寿保险、旅行保险以及其他类型保险的各种信息。
Need help with your travel insurance?
以下是TD和MBNA信用卡的旅行保险摘要和信用卡保险摘要。这些摘要概述了TD和MBNA信用卡所包含的保险的特点和福利。
TD个人信用卡：
- TD现金返还 Visa *无限卡
旅行保险摘要 信用卡保险摘要 - TD现金返还 Visa* 卡
信用卡保险摘要 - TD® Aeroplan® Visa*无限卡
旅行保险摘要 信用卡保险摘要 - TD® Aeroplan® Visa*白金卡
旅行保险摘要 信用卡保险摘要 - TD® Aeroplan® Visa*无限殊荣卡
旅行保险摘要 信用卡保险摘要 - TD至尊旅行Visa*无限卡
旅行保险摘要 信用卡保险摘要 - TD旅行 Visa* 白金卡
旅行保险摘要 信用卡保险摘要 - TD奖励Visa*卡
信用卡保险摘要 - TD特惠灵活利率 Visa* 卡
信用卡保险摘要 - TD美元Visa*卡
旅行保险摘要 信用卡保险摘要 - TD低利率Visa卡
信用卡保险摘要
TD商务信用卡：
- TD商务旅行Visa*卡
旅行保险摘要 信用卡保险摘要 - TD商务现金返还Visa*卡
信用卡保险摘要 - TD商务精选利率Visa*卡
信用卡保险摘要 - TD® Aeroplan® Visa商务信用卡
旅行保险摘要 信用卡保险摘要
MBNA信用卡：
- MBNA Gold Mastercard®
旅行保险摘要 信用卡保险摘要 - MBNA Platinum Plus或True Line Mastercard®
信用卡保险摘要 - MBNA Rewards Platinum Plus® Mastercard®
信用卡保险摘要 - MBNA Rewards World Elite® Mastercard®
旅行保险摘要 信用卡保险摘要 - MBNA World Elite® Mastercard®
旅行保险摘要 信用卡保险摘要 - MBNA World Mastercard®
旅行保险摘要 信用卡保险摘要 - MBNA Platinum Plus® Mastercard®
旅行保险摘要 信用卡保险摘要
TD提供理财服务、信用卡和优惠的汇率，可满足您的旅行需求。浏览我们的产品，了解TD如何提升您的旅行体验。
常见问答
Travel insurance helps financially protect you from eligible unexpected events that could affect your trip. You may need it to help reduce the financial impact of situations such as sudden illness, a delayed flight, or having to cancel or interrupt your trip. Provincial health plans offer limited medical coverage when you're outside of your home province. Travel insurance can help fill these gaps and help provide financial protection for medical emergencies, trip cancellations or interruptions as well as lost, stolen, or delayed baggage, depending on what plan you choose to purchase for your trip.
Each plan has specific benefits, exclusions, limitations and conditions, so reviewing your plan details can help you understand what's covered and choose the coverage that suits your trip.
一般而言，您必须在旅行启程之前购买旅行保险，才有资格享受旅行保险所提供的保障。购买旅行保险的一个绝佳时机是预订旅行时，因为届时您已确定了保险申请所需的旅行信息，例如出发和返回日期。
For Trip Cancelation and Trip Interruption insurance you should purchase this coverage as soon as you book your trip.建议您尽早购买此计划，这样您的保险也能尽早开始生效。如果您的旅行因承保范围内的事件而被取消或中断，旅行取消和中断保险可以帮助赔付未使用的部分旅行安排的相关费用。
Travel medical insurance can be purchased any time before you leave for your trip.
A pre-existing medical condition refers to any disease, illness, or injury that existed before your application date or your policy took effect.
Having a pre-existing condition doesn’t disqualify you from getting travel insurance, but your pre-existing medical condition will have to be considered "stable" for a specified period of time before your effective date, to receive coverage.
Review your policy document to understand how long your medical condition will have to be "stable" for, how "stable" is defined and whether your medical condition meets all other pre-existing medical condition requirements.
Emergency travel medical plans help provide financial protection for unexpected medical emergencies that can happen while you're travelling. This can include coverage for hospital care, physician services and other medical expenses if you become sick or injured during your trip.
A Trip Cancellation and Interruption plan provides coverage for eligible travel expenses in case your trip is interrupted or cancelled. Trip cancellation provides coverage if your trip is cancelled for a covered reason before you depart for your trip. On the other hand, a trip interruption provides coverage after you depart on your trip.
Some factors that could impact your emergency travel medical coverage premium include:
Plan type: Your premium can vary based on the type of plan you choose and the level of coverage it includes.
Trip duration: This is the number of days you'll be away. Longer trips often come with higher premiums. This is because extended trips increase the duration of your coverage needs and potentially your exposure to risks.
Age of the oldest traveller: Premiums can increase based on the age of the travellers on the policy. Older travelers typically pay more for coverage, reflecting the increased likelihood of health concerns or issues.
Health history: Your premium may be affected by your health history.一般而言，存在更多健康问题的个人会因为风险较高而面临更高的保费。 Some applicants may need to complete a health questionnaire as part of their application.
Number of travellers: Premiums tend to increase when more individuals are included under a plan.家庭3或伴侣2投保可享受道明保险优惠。
Preferred rates: Preferred rates are offered to TD Home and Auto clients, employees and retirees of TD, as well as members of groups with an affinity partnership with TD Insurance.
If you're purchasing trip cancellation and trip interruption coverage
Cost of the trip: For trip cancellation and interruption coverage, premiums typically vary according to the cost of the trip.
Government provincial health plans offer limited coverage outside your home province and outside Canada.
许多加拿大人通过雇主或信用卡获得旅行保险。 However, your existing travel medical insurance may not provide coverage for the entire length of your trip and provide lower coverage limits.
Reviewing your existing coverage can help you decide whether additional travel insurance is right for your trip.
道明保险旅行保险计划（道明保险多次旅行全面保险计划、道明保险单次旅行医疗计划、道明保险多次旅行医疗计划及道明保险旅行取消和中断计划）是由Global Excel Management Inc.及其子公司CanAm Insurance Services (2018)有限公司管理的个人保险计划。道明保险多次旅行全面保险计划和道明保险旅行取消及中断计划由道明人寿保险公司（医疗保障项目）和道明家居及汽车保险公司（非医疗保障项目）承保。道明保险单次旅行医疗计划和道明保险多次旅行医疗计划由道明人寿保险公司承保。
医疗和理赔协助、理赔支付和行政服务由保单中所述的管理公司提供。承保范围和福利受资格条件、限制和例外情况的限制，包括已有医疗状况的例外情况。请参考保单了解完整详情。
1保险计划可能受相应条件、例外情况和限制条款限制。承保详情请参阅您的保单。
2 道明保险单次旅行医疗计划和多次旅行医疗计划可为您和您的旅伴提供伴侣保险，前提是您在申请中注明其姓名。包括您自己在内的最多2名旅行者可以参保“伴侣保险”。
旅伴是指在承保旅行期间与您一起旅行并与您共享交通和/或住宿的任何人。
如果同行的任何旅行者需要完成医疗调查问卷，则无法选择伴侣保险。
如果任何旅行者未满足这些标准，则该旅行者将需要单独申请自己的保单。
3 道明保险单次旅行医疗计划、多次旅行医疗计划和多次旅行全面保险计划可为您、您的配偶和未婚受抚养子女提供家庭保险，前提是您在申请中注明他们的姓名。配偶是指与您合法结婚的人；或与您共同生活至少1年且您已公开承认其同居伴侣身份的人。
受抚养子女是指您的亲生子女、领养子女或继子女，他们必须：
a) 未婚；并且
b) 依赖于您在经济上提供的抚养和支持；并且
i. 未满22岁，或
ii. 未满26岁并在加拿大全日制高等教育机构就读；或者
iii. 存在智力障碍或身体残疾。
如果同行的任何旅行者需要完成医疗调查问卷，则无法选择家庭保险。
如果任何旅行者未满足这些标准，则该旅行者将需要单独申请自己的保单。
家庭保险仅适用于最多6名旅行者 (包括您在内)。如需为超过6人的团体购买自选额外保险，请致电1-833-962-1143联系我们的管理公司。
4 The savings is only available to applicants who apply for a new TD Insurance Single-Trip Plan for a trip which must be entirely within Canada.您行程的任何部分均不得发生在加拿大境外，包括在美国的任何中转或其他停留。该优惠需满足最低保费要求。我们保留随时取消、中止或撤销优惠的权利，恕不另行通知。
5 道明保险多次旅行全面保险计划将为1年内每次承保范围内的旅行提供保障，以您购买保单时选择的最长旅行持续时间为限。如果保单上年龄最大的人是15天到59岁，最长旅行期限为连续60天。如果您已年满60周岁，可选择的最长旅行期限为连续22天或30天。
6保险计划可能受相应条件、例外情况和限制条款限制。年满60周岁的人需要完成医疗调查问卷，以确定是否有资格参加道明保险单次旅行医疗计划。请参阅您的保单以了解承保范围的完整详情。
7 道明保险多次旅行医疗计划将为1年内每次承保范围内的旅行提供紧急旅行医疗保障，以您购买保单时选择的最长旅行持续时间为限。如果保单上年龄最大的人是15天到79岁，可选择的最长旅行期限为连续4天、9天、16天或30天。如果您已年满80周岁，可选择的最长旅行期限为连续4天、9天或16天。
年满60周岁需填写医疗调查问卷，以确定是否有资格参加道明保险多次旅行医疗计划。
8保险计划可能受相应条件、例外情况和限制条款限制。请参阅您的保单，了解道明保险旅行取消和中断计划承保范围的完整详情。
9 附加保险或延长保险由道明保险单次旅行医疗计划和/或道明保险旅行取消及中断保险计划提供。您必须与您的原保险公司确认，您的保险是否有资格额外附加TD旅行保险计划。TD附加保险或延长保障可能提供与您现有保险不同的权益，并遵循不同的条款和条件。承保范围和福利受资格条件、限制和例外情况的限制，包括已有医疗状况的例外情况。请参阅相应的保单样本了解完整详情。
10 The sample premiums are calculated as of April 2026 and are subject to change without notice.实际保费将取决于您的申请。
You may be eligible to receive preferred rates on TD Insurance Travel Insurance products if you are one or more of the following:
- a TD Insurance Home and/or Auto customer
- a TD employee or retiree
- a member of a qualified profession, or professional association or university or college that has a partnership with TD Insurance.
These offers may not be available in the future and if we determine that you are not eligible for the preferred rate in the future, we reserve the right to remove the preferred rate.