TD Aeroplan VISA Infinite Card Consumer Reviews

I purchase all my goods using TD Aeroplan VISA thinking that I have insurance coverage. Now I'm not sure. My wife had an accident a few weeks ago, requiring surgery. I cancelled the booked trip, which I fully paid for through the TD Aeroplan VISA. The claim was filed to Allianz Global Assistance. The claim came back denied because it said the full cost of the trip was not paid by TD Aeroplan VISA; they went on to explain that the use of a coupon (to lower the cost of my trip) disqualify the claim. My interpretation of full cost is whatever the travel agent charges me after the discounted price. Allianz reasoned that a coupon is a form of payment. If that is the case, then any product I purchase with a discount (which I normally do) is not covered by TD Visas product insurance. Is this how insurance company avoid paying out claims - twisting the definition of "full cost"? Really?

The Aeroplan point collecting organization is a company OUT to get your points. Unlike the other point collecting companies, Aeroplan has a sneaky way to steal your points from you. They have an EXPIRY!!! If you do not collect any points over one year you will forfeit all the points you have ever collected. They stole over 120,000 points from me last year. If you are wondering how I missed their reminders, they conveniently only send one three months before (which will probably end up in your junk mail if you are a busy person). My mistrust with this company is deeper. I was in communication with one of their employees who offered to help me. I stayed at a hotel within the year but the hotel did not input my points correctly. I provided proof to Aeroplan (receipt of my stay) but they said it was the hotel's fault because the new input date they sent me was outside the expiry date range; so Aeroplan wiped their hands clean and stole my all my points. If you collect you might be waiting for your young children to grow old enough to visit somewhere. Well Aeroplan stole a Disneyland trip from my family. Yes, my family will not be going for a few more years thanks to Aeroplan's pathetic customer service. Beware of Aeroplan, they do not care about your family.

If you want comprehensive travel insurance, this is not the card for you! It is very hard to submit claims and the info they request is difficult to collect (especially for flights). I tried to use my cancellation insurance based after my grandmother passed away and it took months and tons of hoops to jump through... 4-months and 10 calls different call centres later and I still don't have the money back. Shame on TD for this product!