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Travel Insurance from TD Insurance
選擇最符合您的旅行保險需求的計劃。當您遭遇了像是旅行緊急醫療、行程取消、行程中斷或行李遺失等合資格的意外情況時，保險可為您提供賠付。
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.我們建議您考慮投保一份旅行保險計劃。
您如何受惠於道明的旅行保險
了解道明保險的旅行保險計劃
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.
多次旅行全面保險計劃 |
單次旅行醫療計劃 |
多次旅行醫療計劃 |
旅行取消和中斷計劃 |
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全年計劃 |
單次旅行醫療計劃 |
全年計劃 |
單次旅行醫療計劃 |
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多次旅行全面保險計劃
單次旅行醫療計劃
多次旅行醫療計劃
旅行取消和中斷計劃
多次旅行全面保險計劃
單次旅行醫療計劃
多次旅行醫療計劃
旅行取消和中斷計劃
多次旅行全面保險計劃 |
單次旅行醫療計劃 |
多次旅行醫療計劃 |
旅行取消和中斷計劃 |
多次旅行全面保險計劃 |
單次旅行醫療計劃 |
多次旅行醫療計劃 |
旅行取消和中斷計劃 |
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全年計劃 |
單次旅行醫療計劃 |
全年計劃 |
單次旅行醫療計劃 |
全年計劃 |
單次旅行醫療計劃 |
全年計劃 |
單次旅行醫療計劃 |
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如要查看規定條款以及對保險優惠、優點、限制和例外情況的完整說明，請參閱保單樣本。
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.
旅行保險提示，助您下次出行無憂
您的旅行保險小助手
這裡提供實用的文章、短片、快速提示和逐步教學，涵蓋有關汽車保險、房屋保險、人壽保險、旅行保險以及其他類型保險的各種資訊。
Need help with your travel insurance?
以下是TD和MBNA信用卡的旅行保險摘要和信用卡保險摘要。這些摘要概述了TD和MBNA信用卡所包含的保險的優惠和禮遇。
TD個人信用卡：
- TD現金回贈Visa *無限卡
旅行保險摘要 信用卡保險摘要 - TD現金回贈Visa* 卡
信用卡保險摘要 - TD® Aeroplan® Visa*無限卡
旅行保險摘要 信用卡保險摘要 - TD® Aeroplan® Visa*白金卡
旅行保險摘要 信用卡保險摘要 - TD® Aeroplan® Visa*無限殊榮卡
旅行保險摘要 信用卡保險摘要 - TD至尊旅行Visa*無限卡
旅行保險摘要 信用卡保險摘要 - TD旅行Visa* 白金卡
旅行保險摘要 信用卡保險摘要 - TD獎勵Visa*卡
信用卡保險摘要 - TD特惠靈活利率Visa*卡
信用卡保險摘要 - TD美元Visa*卡
旅行保險摘要 信用卡保險摘要 - TD低利率Visa卡
信用卡保險摘要
TD商務信用卡：
- TD商務旅行Visa*卡
旅行保險摘要 信用卡保險摘要 - TD商務現金回贈Visa*卡
信用卡保險摘要 - TD商務精選利率Visa*卡
信用卡保險摘要 - TD® Aeroplan® Visa商務信用卡
旅行保險摘要 信用卡保險摘要
MBNA信用卡：
- MBNA Gold Mastercard®
旅行保險摘要 信用卡保險摘要 - MBNA Platinum Plus或True Line Mastercard®
信用卡保險摘要 - MBNA Rewards Platinum Plus® Mastercard®
信用卡保險摘要 - MBNA Rewards World Elite® Mastercard®
旅行保險摘要 信用卡保險摘要 - MBNA World Elite® Mastercard®
旅行保險摘要 信用卡保險摘要 - MBNA World Mastercard®
旅行保險摘要 信用卡保險摘要 - MBNA Platinum Plus® Mastercard®
旅行保險摘要 信用卡保險摘要
TD提供理財服務、信用卡和優惠的匯率，可滿足您的旅行需求。瀏覽我們的產品，了解TD如何提升您的旅行體驗。
常見問題
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，您必須在出發旅行前購買旅行保險，才合資格享有旅行保險所提供的保障。您可以在預訂旅行時同時購買旅行保險，原因是屆時您已確定了購買保險所需的旅行資料，例如出發和回程日期。
For Trip Cancelation and Trip Interruption insurance you should purchase this coverage as soon as you book your trip.我們建議您儘早購買此計劃，這樣您的保險也能越快開始生效。如果您的旅行因承保範圍內的事件而被取消或中斷，旅行取消和中斷保險則可幫助賠付未使用的部分旅行安排的相關費用。
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，有更多健康問題的個人會因為風險較高而面臨較高的保費。 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或伴侶2投保可享有道明保險優惠。
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.
很多加拿大客戶透過僱主或信用卡獲得旅行保險。 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.
道明保險旅行保險計劃（道明保險多次旅行全面保險計劃、道明保險單次旅行醫療計劃、道明保險多次旅行醫療計劃及道明保險旅行取消和中斷計劃）是由Global Excel Management Inc.及其子公司CanAm Insurance Services (2018)有限公司管理的個人保險計劃。道明保險多次旅行全面保險計劃和道明保險旅行取消及中斷計劃由道明人壽保險公司（醫療保障項目）及道明家居及汽車保險公司(TD Home and Auto Insurance Company)（非醫療保障項目）承保。道明保險單次旅行醫療計劃和道明保險多次旅行醫療計劃由道明人壽保險公司(TD Life Insurance Company)承保。
醫療和理賠協助、理賠支付和行政服務由保單中所述的管理公司提供。承保範圍和福利受資格條件、限制和例外情況的限制，包括已有醫療狀況的例外情況。請參考保單了解完整詳情。
1保險計劃可能受相應條件、例外情況和限制條款限制。承保詳情請參閱您的保單。
2 道明保險單次旅行醫療計劃和多次旅行醫療計劃可為您和您的旅伴提供伴侶保險，前提是您在申請中註明其姓名。包括您自己在內的最多2名旅行者可以參保「伴侶保險」。
旅伴是指在承保旅行期間與您一起旅行並與您共享交通和/或住宿的任何人。
如果同行的任何旅行者需要完成醫療調查問卷，則無法選擇伴侶保險。
如果任何旅行者未滿足這些標準，則該旅行者將需要單獨申請自己的保單。
3 道明保險單次旅行醫療計劃、多次旅行醫療計劃和多次旅行全面保險計劃可為您、您的配偶和未婚受扶養子女提供家庭保險，前提是您在申請中註明他們的姓名。配偶是指與您合法結婚的人；或與您共同生活至少1年且您已公開承認其同居伴侶身份的人。
受撫養子女是指您的親生子女、領養子女或繼子女，他們必須：
a) 未婚；並且
b) 依賴於您在經濟上提供的撫養和支援；並且
i. 未滿22歲，或
ii. 未滿26歲並在加拿大全日制高等教育機構就讀；或者
iii. 存在智力障礙或身體殘疾。
如果同行的任何旅行者需要完成醫療調查問卷，則無法選擇家庭保險。
如果任何旅行者未滿足這些標準，則該旅行者將需要單獨申請自己的保單。
家庭保險僅適用於最多6名旅行者 (包括您在內)。如需為超過6人的團體購買自選額外保險，請致電1-833-962-1143聯絡我們的管理公司。
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.您行程中的任何部分不得發生在加拿大境外，包括任何在美國中轉或其他地方停留。該優惠需滿足最低保費要求。我們保留隨時取消、中止或撤銷優惠的權利，恕不另行通知。
5 道明保險多次旅行全面保險計劃將為1年內每次承保範圍內的旅行提供保障，以您購買保單時選擇的最長旅行持續時間為限。如果保單上年齡最大的人是15天到59歲，最長旅行期限為連續60天。如果您已年滿60歲，可選擇的最長旅行期限為連續22天或30天。
6保險計劃可能受相應條件、例外情況和限制條款限制。年滿60歲的人需要完成醫療調查問卷，以確定是否有資格參加道明保險單次旅行醫療計劃。請參閱您的保單以了解承保範圍的完整詳情。
7 道明保險多次旅行醫療計劃將為1年內每次承保範圍內的旅行提供緊急旅行醫療保障，以您購買保單時選擇的最長旅行持續時間為限。如果保單上年齡最大的人是15天到79歲，可選擇的最長旅行期限為連續4天、9天、16天或30天。如果您已年滿80歲，可選擇的最長旅行期限為連續4天、9天或16天。
年滿60周歲需填寫醫療調查問卷，以確定是否有資格參加道明保險多次旅行醫療計劃。
8保險計劃可能受相應條件、例外情況和限制條款限制。請參閱您的保單，了解道明保險旅行取消和中斷計劃承保範圍的完整詳情。
9 附加保險或延長保險由道明保險單次旅行醫療計劃和/或道明保險旅行取消及中斷保險計劃提供。您必須與您的原保險公司確認，您的保險是否有資格額外附加TD旅行保險計劃。道明保險提供的附加保險或延長保障可能提供與您現有保險不同的權益，並遵循不同的條款與條件。承保範圍和福利受資格條件、限制和例外情況的限制，包括已有醫療狀況的例外情況。請參閱相應的保單範本以了解完整詳情。
10 The sample premiums are calculated as of April 2026 and are subject to change without notice.實際保費將視乎您的申請。
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.