TD First Class Travel Visa Infinite Credit Card Product Summary
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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:
▪ Common Carrier Travel Accident Insurance
o 30 days; refer to section 10 "How to Submit a Claim" for full details.
▪ Delayed and Lost Baggage Insurance
o 45 days; refer to section 8 "How to Submit a Claim" for full details.
▪ Flight/Trip Delay Insurance
o 45 days; refer to section 7 "How to Submit a Claim" for full details.
▪ Travel Medical Insurance
o Immediately; refer to sections 10 "General Conditions" and 8 "How To Submit A
Claim" for full details.
▪ Trip Cancellation/Trip Interruption Insurance
o Immediately; refer to sections 10 "General Conditions" and 8 "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.