Hi Claire,

Assuming you charged at least 75% of the cost of your flight for your card, you would indeed be able to make a claim.

The cardholder insurance policy states the following:

What is included in this coverage?
Flight/Trip Delay Insurance provides coverage to reimburse reasonable expenses for meals and accommodation while delayed for covered causes (e.g. severe weather condition, unforeseen equipment failure, strike or other job action, etc.) and reasonable additional ground transportation expenses.

Generally speaking, you’d only be able to claim expenses made during your delay. So if within those 5 hours you paid for a hotel and meals, you would likely be approved for those expenses. You wouldn’t be able to make a claim for an expense made say 3 days later.

My departure flight was delayed by 5 hours today- do you know if trip delay insurance for this card would cover any accommodation/meals/transportation made after the flight? Is there a time limit for expenses made during the trip delay? I know some cards have up to a 48 hour limit.

Arch,

You’d have to confirm with TD before making the switch as they don’t always offer the same thing for product switches compared to new sign ups.

Claire,

No, this card only gives you access to MLL in North America. To get access to the United Club, you need to have Gold Star Alliance status (Aeroplan 50K status+)

Any chance you know if this card will allow me to access the United Club lounges in the US? The United airlines website states if you have a MLL membership you can get in, but I was denied entry into the PHX United Club lounge the other day when I showed them my TD infinite privilege card.

Kent,

If you already have status, the best benefit of any premium ($599) Aeroplan card is the ability to carry over 50 unused eUpgrade credits each year. THe premium cards also allow you to earn SQS and SQM a lot quicker.

As for your math, yes that’s accurate. I value one Aeroplan point at 2 cents, so 24,000 points is about $480.

The only other card I would consider in your case is the Amex Platinum Card. If you frequently travel to destinations without Maple Leaf Lounges, the Amex Global Lounge collection is a good supplement.

I already have elite status because I fly so much, so the lounge access is not a factor in my case. The welcome benefits are fantastic, but if I’m going to hold the card for years to come, I want to know that the fee is worth it year after year.

I figure that if I spend 8K per month, the extra .25 gets me 24,000 points per year which would probably be enough to cover the fee.

Does that make sense?

Again, I appreciate how you are helping all of us with this information.

Hey Kent,

You also get Maple Leaf Lounge access and priority services with the premium card. The Buddy Pass is currently not available with any of the TD cards.

When choosing a card, think about your goals. Are you looking for benefits or do you want to earn points fast?