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TD Insurance Meloche Monnex Program:

• Offers Car, Home/Condominium/Tenant, Travel and Motorcycle & RV Insurance
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• Affinity program for professionals, alumni and employer groups offering Life Insurance and Accident & Sickness Insurance 7

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TD Insurance Meloche Monnex program for professionals, alumni and employer groups offers Car, Home/Condominium/Tenant, Travel and Motorcycle & RV Insurance. TD Life and Health Insurance Affinity Program for professionals, alumni and employer groups offers Life Insurance and Accident & Sickness Insurance **

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National – Home and Car – Percentage †  Nationally, the 1,058 new TD Insurance customers who were surveyed between March 6th, 2023 to March 16th, 2023 and July 18 th , 2023 August 1st, 2023 to, who reported their annual residential (home or condominium or tenant) and car insurance premiums paid to their previous insurance provider and who reported their annual residential and car insurance premiums payable to TD Insurance upon switching both their residential and car insurance policies, reported an average annual premium savings of approximately 28%. The survey sample consisted of new customers who switched both their residential and car insurance policies to TD Insurance between August 2022 to August 2023. It was conducted with a 95% confidence interval and produced a 3% margin of error. These survey results do not include customers in British Columbia, Manitoba or Saskatchewan. Savings amounts are not guaranteed; actual annual premium savings obtained nationally from switching both residential and car insurance policies to TD Insurance varies based on each customer's individual insurance profile and province of residence. Certain conditions, limitations and exclusions apply to all offers. Please visit http://www.tdinsurance.com/save for more details.

National – Home – Percentage ‡  Nationally, the 1004 new TD Insurance customers who were surveyed between March 6th, 2023 to March 16th, 2023 and July 18th, 2023 to August 1st, 2023, who reported their annual residential (home or condominium or tenant) insurance premiums paid to their previous insurance provider and who reported their annual residential insurance premiums payable to TD Insurance upon switching their residential insurance policy, reported an average annual premium savings of approximately 28%. The survey sample consisted of new customers who switched their residential insurance policies to TD Insurance between August 2022 to August 2023. It was conducted with a 95% confidence interval and produced a 2% margin of error. Savings amounts are not guaranteed; actual annual premium savings obtained nationally from switching residential insurance policies to TD Insurance varies based on each customer's individual insurance profile and province of residence. Certain conditions, limitations and exclusions apply to all offers.

‡‡ Conditions apply. Subject to eligibility rules. Note: You may not always be given the option to buy online. If this happens, we encourage you to call and speak to one of our licensed advisors, or let us call you!

¹ Nationally, the average annual savings of all of our clients who belong to a professional or alumni association that have an agreement with us and who insure both a residence and a car on May 26, 2023 (underwritten by Security National Insurance Company) was

• $1,370 when purchasing both homeowner and car insurance
• $900 when purchasing both condo and car insurance
• $850 when purchasing both tenant and car insurance

6 "TD Insurance Meloche Monnex" refers to the home and auto insurance program for Professionals and Alumni underwritten by Security National Insurance Company and distributed by Meloche Monnex Insurance and Financial Services Inc. in Québec, and TD Insurance Direct Agency Inc. in the rest of Canada. The home and auto insurance program for Employer Groups underwritten by Primmum Insurance Company and distributed by Meloche Monnex Insurance and Financial Services Inc. in Québec and TD Insurance Direct Agency Inc. in the rest of Canada.

7 Accident and Sickness are group insurance coverages underwritten by TD Life Insurance Company, designed exclusively for customers of The Toronto-Dominion Bank. Life insurance plans are underwritten by TD Life Insurance Company.

Mailing address: TD Insurance (Corporate Secretariat) 50, Place Crémazie 12th Floor Montreal (Quebec) H2P 1B6

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TD Meloche Monnex Wide Horizons Solution Travel Insurance Review

Operating since 1949, TD Insurance Meloche Monnex offers home insurance, auto insurance and travel insurance. It is now part of the TD Bank Financial Group.

• Policies and coverage can change at any time, without warning. This article is only intended as general advice. Please check your own policy carefully.
• Travel insurance starts from an affordable $140 per year for multi-trip medical travel insurance with trip cancellation and interruption
• Unlimited trips up to 30 days when travelling outside your home province (age 60 and over), and unlimited trips up to 60 days for clients aged 59 and younger
• Up to $5 million is available for medical and hospital expenses
• No age limit and no medical questionnaire

Disadvantages

• TD Meloche Monnex only offers multi-trip insurance . The company does not offer single trip insurance or stand-alone trip cancellation and interruption policies.

TD Meloche Monnex Wide Horizons Solution Emergency Medical Plan

Coverage includes emergency air evacuation, paramedical services, prescriptions, trip cancellation, trip interruption and other benefits.

Up to $5 million in hospital and medical expenses are covered. Trip cancellation coverage is up to $2,500 per person or $5,000 per family. Trip interruption is up to $5,000 and child care benefit in case of hospitalization for up to $2,500.

If you already have an auto or home insurance cover with TD Meloche Monnex, then you get a discount on Wide Horizons Solution insurance.

Premiums once paid are nonrefundable after coverage starts. However, you can cancel the policy and receive a full refund within 10 days after receiving the contract.

You Need to Know

• TD Insurance Meloche Monnex programs are underwritten by the Royal & Sun Alliance Insurance Company of Canada.
• You need to be a Canadian citizen with a Government Health Insurance Plan.

How to Learn More

Learn more online or call TD Meloche Monnex toll-free at 1 866 566 1464.

Want to Compare TD Meloche Monnex’s Rates?

The easiest way to compare Canadian travel insurance rates is to use a comparison website.

Comparison websites, like Kanetix.ca , let you compare quotes for travel insurance from several different companies at once. Type in a few details about your trip, and compare policy coverage and prices to help narrow down your choice. Check out our review of Kanetix.ca .

*As always, the information on this page is from one Canadian traveller to another. We have spent years abroad and have gotten to know the ins and outs of the industry however we are not travel insurance agents. If you have any travel insurance questions, please talk to a qualified travel insurance agent or broker. Finally, policies and plans can and do change all the time, without warning, so always consult your insurance policy since that is the legal document to which you are agreeing to. *This article is only intended as general advice. Please check your own policy carefully.

The information and content of this site is intended for general informational and entertainment purposes only. It is not intended as insurance, legal, financial, tax or any other professional advice or services. Insurance policy wordings are subject to change at any time, without prior notice. We are not responsible for errors or consequences from your use of this information. Read policy details to ensure that a policy is right for you.

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First class customer service

I can't speak to other people's experiences with Meloche Monnex, but I've never had issues with them. I've been in a few fender benders, but each time I phoned in my claim all they asked for was the police report number and what collision shop I wanted to go to, and when I arrived at the garage an hour later, the paperwork had already been completed and a rental car was waiting for me. Several years ago, I had the misfortune of striking a pedestrian. The company hired a first class law firm that managed to get the case dismissed without a trial, without mediation, without even having to give a deposition. And in most cases, including that last one, the deductible was waived. They're not quite the least expensive, but I trust them for both home and auto. I'd recommend them to anyone. I've always received white glove treatment, and I appreciate that.

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Review topics

I was a client for over 40 years. Not a lot of claims and overall experience was ok. Reason for cancelling - I left 3 messages and never got a call back. When I cancelled I never got a call as to why I cancelled, If you think you are getting a competitive rate because you belong to an association... forget it. They value new customers more than loyal long term customers, I saved $1500 on car and home when I changed!!!! Don't think they are giving you good rates if you are a long term loyal customer with next to no claims. my lesson-always shop around!!!!!!

The TD My Advantage App is a hoax.

I've had my car insured with TD Insurance Meloche Monnex for 3 years and I'm just renewing for the 4th year. My premiums have been increasing by almost 10% per year. After the 2nd year they convinced me to download the TD My Advantage App on my cellphone which tracks my driving qualities and gives a score which can result in a discount of up to 25% on my premium. At the end of the 3rd year I had a score of 92 and a projected discount of 24%. When my policy renewal arrived in the mail, my premium increased by 8%. I called them and argued with the agent as well as his supervisor about where is my 24% discount. They said that the discount was already applied. They're saying that my premium increased by 42% and with the 24% discount I end up with an 8% increase. This is all baloney. None of these calculations are provided on paper. If they were serious, all this would be shown on the policy renewal. It's a fraud.

Rate increase

After 17 years with the company, and part of a professional group that supposedly had a discount with TD, I was shocked to receive my annual renewal with a 29% increase. Nothing has changed with me in the past year and so I called to ask why the increase. I was told that all policies were affected by general conditions in the industry and there was nothing other than that they could identify in my situation. Enough is enough and I am changing insurers. I have contacted a few and have found more competitive rates at all of them. One in particular will take me back to the level of premium that I paid last year. That's a 29% reduction from the TD renewal quote. Goodbye TD.

Claim for replacement of Windshield on my Mercedes 550SL

After a month of trying to claim $169.00 yes $169.00. for a windshield replacement on my 2015 Mercedes 550 SL, they refused to pay. I had checked with the Mercedes dealer as well as a dealer I usually take my car to for serving. On what the cost would be to replace my Windshield, both dealers said around $2600.00. These quotes were submitted to TD Insurance. TD came back saying they would replace the windshield through their own connection and it would not be an original from Mercedes. I would not accept having it replaced with something I wasn't satisfied with. After my $1000.00 deduction, TD was willing to pay $169.00, I had the replacement done by my dealer for $2600.00 paid it myself, and then claimed the $169..00 from TD. Believe it or not, they refused to pay me $169 because they didn't do the work. I cancelled both my car insurance policies with them that I've had for over 40 years at around $5000.00 per year and no claims.

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Beyond incompetent, incomprehensible

The vehicle was stolen, advised TD the same day. Found out later that they continued charging us for the vehicle insurance for months afterward. Even an SAAQ receipt from a few days later indicating that the vehicle was no longer allowed to be on the road was not sufficient to cancel the insurance! TD will not refund our money for the useless insurance unless we provide a special document from the SAAQ. First, we hear of it months after the fact. What an incompetent and obtuse organization.

Terrible insurance company

Terrible insurance company! My rates were raised by 30% in one year for absolutely no reason!

You can't have worse service...

You have one agent tell you one thing and another something different. Many screws up after screw up and representatives from different areas of the country not understanding the local situation you live in. Use a local broker... Run as fast as you can. I spend 3 hours yesterday to get a quote only to find out today it was incorrect.

Worse than worse

Used their online quotation system. the cost was going under $1000. Then contacted an agent and was told the annual cost would be $2400. The funny thing (not really) is that I have been a customer for almost 45 years. Am now looking some-where else. Pure scam. Wish I could give them zero stars.

Did you know that on average Ontario drivers with good driving records pay $1,805/year in auto insurance? Is your insurance rate higher? Get a free car insurance quote and start saving today.

WORST INSURANCE EXPERIENCE EVER!

Extremely unprofessional and rude. My first interaction with my adjuster was his refusing to send me my documents in English. He then took 10 days to return numerous emails\calls, while his team manager just choose to never respond. Once he finally called me back, it was to tell me he WAS NOT approving my car rental reimbursement, even though it is on my policy (I had already used and returned the car at this point). Once I expressed my disappointment and asked for his team manager's number, he started to shout at me, saying she will say exactly what he says. It is now been 11 days of me trying to get in contact with a manager, with of course no response. This company isn't even worthy of a one-star rating. Not only do you have to deal with the outcome of an accident to have customer service of this quality is unacceptable.

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TD Insurance vs. Meloche Monnex Insurance?

• Last Updated:
• Apr 8th, 2010 9:18 am
• auto insurance
• td meloche monnex
• Search this thread

Mar 1st, 2010 10:47 am

• Reply with quote

Mar 1st, 2010 10:54 am

Mar 1st, 2010 10:56 am

Mar 1st, 2010 11:19 am

Mar 1st, 2010 11:27 am

hdom wrote: ↑ I belong to a professional group and I get my insurance from TD Meloche Monnex, not TD, not Meloche Monnex.

Mar 1st, 2010 2:06 pm

Mar 1st, 2010 2:19 pm

Mar 1st, 2010 2:31 pm

Apr 2nd, 2010 6:24 am

Apr 2nd, 2010 6:42 am

Apr 2nd, 2010 6:56 am

consumerPI wrote: ↑ Be cautious of TD Meloche Monnex. Was with them for years with zero claims and decent rates, then come renewal time, they decide to increase my rates by over 50%. WTF? Have had no claims.

Apr 2nd, 2010 10:12 am

Apr 2nd, 2010 11:14 am

chimaera15 wrote: ↑ This might seem like a stupid question but what's the difference between TD Insurance and Meloche Monnex insurance? Are they separate entities with offers?

Apr 2nd, 2010 12:14 pm

Apr 2nd, 2010 12:15 pm

Apr 2nd, 2010 5:28 pm

Apr 5th, 2010 10:07 pm

longitude wrote: ↑ Please elaborate. This is serious.

Apr 6th, 2010 10:49 am

consumerPI wrote: ↑ Found out why today after calling them. They ran the motor vehicle record for the renewal and found 2 minor speeding tickets - one from 2007 and one from 2009. Had been with them for over 6 years prior to that and they had never run the MVR. They also lowered the deductible from $2,500 to $1,000 on the renewal documents.

Apr 7th, 2010 11:50 pm

COSMIC5 wrote: ↑ Did you request the deductibles to be changed? This will increase premiums lowering the deductible.

Apr 8th, 2010 1:35 am

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