と(to) in the sense of "and" can only be used to conjoin nouns; not verbs or sentences. They are joined by conjugation.
と(to) in the sense of "and" implies that the list is complete. In the above sentence, the subject only speaks English and French. To imply other items, the particles とか(toka) or や(ya) are used in lieu of と(to). The particle など(nado, “etc., and so on”) can be appended to a list of nouns conjoined by と to imply that there are other items on the list.
と(to) in the sense of "if" can be interchangeable with the conditional particles ば(ba) and たら(tara)/なら(nara) if the conditionals describe a hypothetical effect of an action.
When と(to) is used in the meaning "when" it implies that something happened abruptly. See とき(toki).