Old Jul 20, 19, 8:38 am
Join Date: Feb 2005
Posts: 7,128
TD's coverage requires 100% of the cost of travel be charged to the card. If you have a $100 AC gift card and used it with the balance paid with the TD visa, you are not covered as you have not charged 100% of the cost to the card. CIBC is more flexible, only 75%.
Unfamiliar with TD's travel medical insurance but the CIBC one is a secondary payor policy. In other words, they will pay first but will recover as much as they can from whatever other policies that you may have. They will coordinate payment unless the other insurance coverage is $50,000 or less.
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