All Inclusive Plan

 

 

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All Inclusive

Travel Insurance Package

 

 

 

Table of Contents

 

Section 1 - Important Notice

Your Safe Trip Begins Here

What To Do in an Emergency

 

Section 2 – Eligibility

 

Section 3 - Insurance Agreement

A. The Contract

B. Trip Duration

C. Summary of Benefits

D. Period of Coverage

E. Automatic Extension

F. Optional Extension

G. Premium Payment

H. Refunds

 

Section 4 - Emergency Medical Travel Insurance

A. Coverage offered

B. Benefits

C. Limitations and Restrictions

D. Pre-Existing Medical Condition Exclusions

E. General Exclusions

F. How to file a claim

 

Section 5 - Travel Cancellation and Interruption Insurance

A. Coverage offered

B. Benefits for Travel Cancellation

C. Benefits for Travel Interruption

D. Holiday Safeguard

E. Flight Itinerary Schedule Change

F. Limitations and Restrictions

G. Exclusions

H. How to file a claim

 

Section 6 - Travel Baggage and Personal Effects Insurance

A. Coverage offered

B. Benefits

C. Limitations and Restrictions

D. Exclusions

E. How to file a claim

 

Section 7 - Accidental Death and Dismemberment Insurance

A. Coverage offered

B. Benefits

C. Limitations and Restrictions

D. Exclusions

E. How to file a claim

 

Section 8 - International Assistance Services

Section 9 - How to file a claim

Section 10 - General Provisions

Section 11 – Definitions

 

Once the appropriate premium is paid and a policy confirmation number is issued, this document becomes your insurance policy.

 

Section 1 – Important Notice – Please Read Carefully

 

Your Safe Trip Begins Here...

 

What safer way to begin your trip than by purchasing travel insurance? Insurance is designed to guard against the financial consequences of unexpected and unforeseen events. Still, no single coverage can protect against every risk. That is why it is important for you to understand the nature of the insurance you have purchased.

 

Read your policy

Please read this policy carefully, particularly the sections relating to the insurance coverage(s) you have purchased. Some of the terms may limit the benefits payable to you.

 

Check the exclusion for pre-existing medical conditions

A pre-existing medical condition exclusion applies to medical conditions and/or symptoms that existed prior to your trip. Check to see how this applies in your policy and how it relates to your date of purchase or date of departure.

 

Medical history review

In the event of an accident, injury or sickness, your prior medical history may be reviewed when a claim is reported.

 

Definitions

Throughout this policy, words in italics have a specific meaning and are defined in the “Definitions” section.

 

Currency

All amounts are in Canadian currency, unless indicated otherwise.

 

 

What To Do in an Emergency

 

In the event of an emergency during a covered trip, you must call Global Excel, immediately, prior to seeking treatment:

 

24-Hour Emergency Medical Assistance

 

1-800-715-8833 (toll free from the USA and Canada

001-800-514-1518 (toll free from Mexico

1-800-002-554 (toll free from Australia)

1-888-751-4335 (toll free fromt he Dominican Republic)

(819) 566-8839 (collect from anywhere)

 

If it is not reasonably possible for you to contact Global Excel prior to seeking treatment, due to the nature of your emergency, you must have someone else call on your behalf or you must call as soon as medically possible. Failure to do so limits benefits (see Section 4 - C. Limitations and Restrictions)

 

 

Why are you required to call Global Excel?

If Global Excel is not notified, you may receive medical treatment or services which are not covered under this policy.

Pre-Approval Requirement - Global Excel must approve in advance any surgery, invasive procedure, diagnostic testing or treatment (including, but not limited to, cardiac catheterization), prior to the insured undergoing such surgery, procedure, testing or treatment. It remains your responsibility to inform your attending physician to call Global Excel for approval, except in extreme circumstances where such action would delay surgery required to resolve a life-threatening medical crisis.

Global Excel will work closely with you to:

 

• recommend an appropriate physician or hospital at your trip destination, wherever possible;
• monitor your care so that only appropriate, medically necessary treatment is given and to ensure that your medical needs are met;
• contact your family and physician on your behalf;
• pay hospitals, physicians and other medical providers directly, whenever possible;
• approve and arrange air ambulance transportation when medically necessary;
• inform you of any expenses not covered by the policy or to explain the policy’s terms and provisions as they relate to your emergency;
• provide multilingual interpreters to communicate with physicians and hospitals.

 

Another important fact you should know

• Direct Payment - Direct payment of eligible medical expenses approved in advance is part of our service, but if it is not possible for the Insurer to pay directly, you may be required to provide payment yourself and submit a claim supported by proper documentation.

 

 

 

Section 3 – Insurance Agreement

 

A. The Contract

Note that this Policy, the Application and the Policy Confirmation all form part of your insurance contract and must be read as a whole. The Insurer will pay benefits specified in the Policy upon payment of the required premium, submission of a correct and complete application form and occurrence of an insured risk, subject to the terms, conditions, limitations, exclusions, definitions and other provisions of this Policy.

 

B. Trip Duration

 

Plans available	Age	Maximum trip duration
All Inclusive Travel Insurance	0-59	183 days* (212 for Ontario residents)
	60-84	37 days
Semi Inclusive Non Medical Travel Insurance	0-84	365 days

* Coverage can be purchased up to 365 days provided you receive written permission from your government to maintain your Canadian government health insurance plan. In the event of a claim, you will be requested to provide such written permission.

 

C. Summary of Benefits

 

1. The All Inclusive Travel Insurance Package and the Semi Inclusive Package offer the following Insurance Benefits:

 

Insurance Benefits	Sum Insured	All Inclusive Package Includes:	Semi Inclusive Package Includes:
Emergency Medical Travel Insurance	$5 million or limited to $20,000 if you do not have GHIP coverage	Yes	No
Hospital Allowance	$2,000	Yes	No
Infant Coverage (Travel Medical Emergency Insurance coverage only)	$5 million	Yes	No
Travel Cancellation and Interruption Insurance   Cancellation Interruption	Up to the sum Insured* Unlimited	Yes	Yes
Holiday Safeguard	$750	Yes	Yes
Flight Itinerary Schedule Change	$1,200	Yes	Yes
Travel Baggage and Personal Effects   Baggage Delay	$1,000     $400	Yes	Yes
Accidental Death and Dismemberment Insurance: Flight Accident Common Carrier Accident 24-Hour Accident	$150,000   $75,000   $25,000	Yes	Yes

*Maximum $12,000

 

D. Period of Coverage

 

1. Emergency Medical Travel Insurance, Accidental Death and Dismemberment Insurance and Baggage and Personal Effects Insurance:

a. Effective Date- Coverage begins on the later of the following:

1. The date of departure; or
2. the effective date as indicated on your Policy Confirmation

b. Expiry Date- Coverage terminates on the earlier of the following:

1. The date you return to your province or territory of residence, except in the circumstance noted below; or
2. the contracted date of termination as indicated on your Policy Confirmation

NOTE: If you return to your province or territory of residence for a temporary visit prior to your expiry date and provided you have not incurred a claim, your coverage may resume with no additional premium once you leave your province or territory of residence to resume your trip. The number of days of your temporary return will not be refunded or reissued. If during your temporary visit you are treated or you receive medical treatment for a medical condition (other than a minor ailment), your policy will terminate and you may be eligible for a refund.

 

2. Travel Cancellation and Interruption Insurance

a. Effective Date-Coverage begings on the later of the following:

1. the date you pay the premium (either at the tie of initial deposit or prior to any cancellation penalties being applicable to your covered trip); or
2. the date a policy/validation number is issued

b. Expiry Date- Coverage terminates on the earlier of the following:

1. The date the insured risk occurs (if the covered trip is cancelled prior to the contracted date of departure); or
2. the date you return to your province or territory of residence.

 

E. Automatic Extension of Coverage

Your coverage will be extended automatically without additional premium upon notifying Global Excel, if your return to your province or territory of residence is delayed beyond the expiry date of this insurance solely due to one of the following reasons:

1. Your return from the covered trip is delayed beyond the contracted date of return due to the delayed arrival or departure of a common carrier aboard which you are scheduled to travel, until the earlier of:

   a. the date you return to the contracted point of departure or an alternate point of return; or

   b. five consecutive days from the date the insurance coverage would otherwise terminate were it not for the automatic extension.

2. The vehicle in which you are travelling is involved in an accident or mechanical breakdown that prevents you from returning to your province or territory of residence on or before your return date provided the return journey commences prior to the expiry date of your policy until the earlier of:

   a. the date you return to the contracted point of departure or an alternate point of return; or

   b. five consecutive days from the date the insurance coverage would otherwise terminate were it not for the automatic extension.

3. You or your travel companion must remain hospitalized for medical treatment of a sickness or injury beyond the date the insurance coverage would otherwise terminate, to a maximum of 365 days or until you or your travel companion are stable for discharge in the opinion of the Insurer, whichever is earlier, plus five consecutive days thereafter.

4. You or your travel companion's return is delayed beyond the contracted date of return as a direct result of sickness or injury for which you or your travel companion are not hospitalized, until the earliest of:

   a. the date you return to the contracted point of departure or an alternate point of return; or

   b. five consecutive days from the date the insurance coverage would otherwise terminate were it not for the automatic extension.

 

F. Optional Extension Procedures

Coverage under All Inclusive Travel Insurance can be extended by contacting Global Excel provided that:

1. a claim has not been made under this policy;

2. you remain eligible for this insurance;

3. the extension is requested by phone not more than 10 days prior to the expiry date of your coverage;

4. the total time outside your province, territory of residence or Canada (including the extension) does not exceed the maximum trip duration for which you are eligible;

5. the required premium is charged to your credit card

 

Note: The cost of the additional days of insurance will be calculated based on the total trip duration less the initial premium paid.

 

G. Premium Payment

1. The required premium is due and payable at the time of application and will be determined according to the schedule of premium rates then in effect.

2. If the premium is insufficient for the period of coverage selected, we will:

   a. charge and collect any underpayment; or

   b. shorten the policy period by written endorsement if an underpayment in premium cannot be collected.

3. We will refund any overpayment of premium.

 

 

 

 

E. General Exclusions for Emergency Medical Travel Insurance

This insurance does not cover losses or expenses caused directly or indirectly, in whole or in part, by:

1. Expenses for which no charge would normally be made in the absence of insurance.

2. Committing or attempting to commit an illegal act or criminal act.

3. Your participation in and/or voluntary exposure to any risk from: war or act of war, whether declared or undeclared; invasion or act of foreign enemy; declared or undeclared hostilities; civil war, riot, rebellion; revolution or insurrection; act of military power; or any service in the armed forces.

4. Medication, drugs or toxic substance abuse or overdose (whether or not you are sane); alcohol abuse, alcoholism or an accident while being impaired by drugs or alcohol or having an alcohol concentration that exceeds 80 milligrams in 100 milliliters of blood.

5. Suicide (including any attempt thereat) or self-inflicted injury whether or not you are sane.

6. Radiotherapy or chemotherapy.

7. A disorder, disease, condition or symptom that is emotional, psychological or mental in nature unless hospitalized.

8. Treatment or surgery during a trip when the trip is undertaken for the purpose of securing or with the intent of receiving medical or hospital services, whether or not such trip is taken on the advice of a physician; or a sickness, injury or related condition for which it was reasonable to expect treatment or hospitalization during your covered trip.

9. Treatment or hospitalization of mother or child(ren) as a result of pregnancy, miscarriage, childbirth or complications of any of these conditions occurring in the nine weeks before and/or after the expected delivery date.

10. Sickness or injury which first appeared, was diagnosed or received treatment after the contracted date of departure and prior to the effective date of the insurance extension.

11. Treatment, surgery, medication, services or supplies that are not required for the immediate relief of acute pain or suffering, or that you elect to have provided outside your province or territory of residence when medical evidence indicates that you could return to your province or territory of residence to receive such treatment. The delay to receive treatment in your province or territory of residence has no bearing on the application of this exclusion.

12. Cardiac catheterization, angioplasty, and/or cardiovascular surgery including any associated diagnostic test(s) or charges unless approved by Global Excel prior to being performed, except in extreme circumstances where such surgery is performed on an emergency basis immediately upon admission to a hospital.

13. Magnetic resonance imaging (MRI), computerized axial tomography (CAT) scans, sonograms or ultrasounds and biopsies unless such services are authorized in advance by Global Excel.

14. Hospitalization or services rendered in connection with general health examinations for "check-up" purposes, treatment of an ongoing condition, regular care of a chronic condition, home health care, investigative testing, rehabilitation or ongoing care or treatment in connection with drugs, alcohol or any other substance abuse.

15. Noncompliance with any prescribed medical therapy or medical treatment (as determined by the Insurer) or failure to carry out a physician’s instructions.

16. Treatment of a sickness or injury after the initial medical emergency has ended (as determined by the Insurer).

17. Emergency air transportation and/or car rental unless approved and arranged in advance by Global Excel.

18. Treatment not performed by or under the supervision of a physician or licensed dentist.

19. Expenses incurred as a result of symptomatic or asymptomatic HIV infection, HIV-related conditions and AIDS (Acquired Immune Deficiency Syndrome), including any associated diagnostic tests or charges.

20. Participation in:

    a. any sports as a professional athlete (person who engages in an activity as one’s main paid occupation);

    b. any competitive motorized sporting events, racing or speed contests.

21. The purchase replacement cost (prescribed or not), loss or damage to hearing devices, eyeglasses, sunglasses, contact lenses or prosthetic teeth, limbs or devices and resulting prescription therefrom.

22. Services provided by an optometrist or for cataract surgery.

23. The replacement of an existing prescription, whether by reason of loss, renewal or inadequate supply, or the purchase of drugs and medication (including vitamins) which are commonly available without a prescription, or which are not legally registered and approved in Canada, or which are not required as a result of a medical emergency.

24. Upgrading charges and cancellation penalties for airline tickets, unless approved in advance by Global Excel.

25. Elective and/or cosmetic surgery or treatment whether or not for psychological reasons.

26. Sickness, injury or medical condition you suffer or contract in a specific country, region or area for which the Department of Foreign Affairs and International Trade of the Canadian Government has issued a travel advisory or formal notice, before your departure date, advising Canadians not to travel to that specific country, region or area. If the Canadian Government issues a travel advisory or formal notice to leave that specific country, region or area, after your departure date, your coverage for sickness, injury or medical condition is limited to a period of 10 days from the date the advisory was issued, or to a period that is reasonably necessary to safely evacuate the country, region or area. In this exclusion “sickness, injury or medical condition” means any sickness, injury or medical condition that is attributable to the reason for which the travel advisory or formal notice was issued or complications arising from such “sickness, injury or medical condition”.

27. Crowns and root canals.

28. Flight accident (unless you are travelling as a fare-paying passenger on a commercial airline).

29. A trip outside your province or territory of residence on a commercial vehicle for the purpose of delivering goods or carrying a load. This exclusion applies to the driver, the operator, a co-driver, a crew member and any other passenger of the commercial vehicle.

 

F. How to File a Claim

For a claim under Emergency Medical Travel Insurance, you must submit the following documents:

1. A completed claim form (available by contacting Global Excel).

2. Original itemized bills from the licensed medical provider(s) stating the patient's name, diagnosis, date and type of treatment, and the name, address and telephone number of the provider, as well as the original transaction documents proving that payment was made to the provider. (Copies of itemized bills are accepted only if the insured has already dealt directly with his government health insurance plan.)

3. Original prescription drug receipts from the pharmacist, physician or hospital indicating the name of the prescribing physician, prescription number, name of preparation, date, quantity and total cost.

4. For out-of-pocket expenses: an explanation of expenses accompanied by the original receipts.

5. If you are covered by other insurance:

   a. the full name and address of your employer;

   b. the policy number, name and address of any other insurance company.

   
   For a claim under the Hospital Allowance Benefit
   Please provide receipts for non-medical expenses incurred during your hospitalization. Send all applicable documents listed above to Global Excel. Note: This policy will not cover associated costs of any additional medical documents requested.

 

See Section 9 for other claims procedures

 

 

 

D. Holiday Safeguard

1. Covered Risk

If the unexpected death or hospitalization of an immediate family member, close friend, business associate or key employee, who has not accompanied you on the covered trip, prompts you to return earlier than your contracted date of return and you consequently miss at least 70% of your contracted package tour, the Insurer will issue a redeemable certificate for the cost of your original trip up to a maximum of $750, towards the cost of a replacement trip.

2. Conditions

a. The benefit for Holiday Safeguard is payable if:

1. you are named as the insured under an All Inclusive Travel Insurance or Semi Inclusive Travel Insurance;

2. you filed a payable claim under this Travel Cancellation and Interruption Insurance; and

3. you applied for your original insurance policy within 72 hours of your initial deposit for travel arrangements and at the published premium rate then in effect.

b. The replacement trip (travel and accommodation arrangements) must:

1. be booked and purchased with the travel agency where you booked and purchased your original covered trip;

2. not exceed the cost of the travel and accommodation arrangements of your original covered trip (subject to a maximum of $750); and

3. begin within 180 days of the early return home from the original covered trip.

 

3. The redeemable certificate is:

a. made payable only to you;

b. not redeemable in cash; and

c. not transferable.

 

E. Flight Itinerary Schedule Change

1. Covered Risk

If an unexpected and unplanned change in the schedule (not a flight delay) of your confirmed, prepaid and ticketed flight reservations or a cancellation or schedule change of your cruise or tour (excluding supplier default) by the cruise company or tour operator is announced, you will be reimbursed any additional expenses incurred for your rescheduled flight(s), hotel and meals to await rescheduled flight(s) or in the case of cruise or tour cancellation pre-paid flights, arising under the following conditions:

a. when a change by any of the non-aligned air carriers providing a portion of the air transportation for your covered trip requires you to re-schedule a flight to complete your covered trip;

b. when your original flight itinerary, not forming part of a flycruise package, is changed more than 72 hours prior to departure, and you incur additional expenses for new flight arrangements to join your cruise embarkation at the point of cruise departure or debarkation; or

c. when there is a cancellation or schedule change of your cruise or tour (excluding supplier default) by the cruise company or tour operator, prior to or after your departure from your departure point, but prior to the departure of the cruise ship or tour.

This coverage applies to any flight that is part of your covered trip, from your contracted date and point of departure up to and including your contracted date of return to your original point of departure, subject to one Flight Itinerary Schedule Change per connecting point in the covered trip, to a maximum of the lesser of your sum insured or $1,200 (up to $3,500 for Benefit 2.d.) per covered trip.

 

2. Benefits

The Insurer will reimburse to you, for rescheduled flights forming part of the covered trip, the lesser of the difference in cost (including usual and customary agency service fees, if normally applicable for similar reservation services) between your refundable and/or unusable ticket(s) and the cost of:

a. the change fee for your new ticket, charged to you by the agency and/or air carrier(s) involved to bring you to the next connecting point or the point of initial cruise embarkation or debarkation as shown on your original ticket itinerary;

b. a one-way economy ticket by the most cost-effective route, charged to you by the agency and/or air carrier(s) involved to bring you to the next connecting point or to the point of initial cruise embarkation or debarkation on your original ticket itinerary;

c. reimbursement of your non-refundable prepaid airfare, which joins to or departs from your original sea/land arrangements and that is not part of your cruise or tour package; or

d. reasonable and necessary commercial lodging and meals to a maximum of $3,500, subject to a limit of $350 per day provided you are awaiting the rescheduled original flight forming part of your covered trip.

3. Conditions

a. At the time of booking your travel arrangements, you and/or your Travel Agent must be completely unaware of any pending announcement regarding a Flight Itinerary Schedule Change that is applicable to your covered trip.

b. You must make new flight arrangements within five business days of the Flight Itinerary Schedule Change announcement made to you or your agency by the air carrier(s) involved to bring you to the next connecting point or to the point of initial cruise embarkation on your original ticket itinerary.

c. This coverage is applicable only to the schedules of air carriers that, on the date of booking the covered trip, are duly authorized by appropriate and governing air transportation authorities.

d. Local and standard minimum airline connecting time rules and procedures, as well as printed instructions for reconfirmation of the covered trip, must be respected and adhered to.

 

F. Limitations and Restrictions

Coverage Limited to Non-Refundable Sums – Failure to notify Global Excel may limit the benefits payable to you. Only the sums that are non-refundable on the day the insured risk occurs shall be considered for the purpose of the claim.

 

G. Exclusions for Travel Cancellation and Interruption Insurance

This insurance does not cover losses or expenses caused directly or indirectly, in whole or in part, by:

Exclusion 1 a, b, c, below applies to insureds age 60 or over.

1. a. Any sickness, injury or medical condition (other than a minor ailment) that was not stable at any time during the 90 days prior to the effective date of this insurance.

   b. Your heart condition, if any heart condition was not stable at any time during the 90 days prior to the effective date of this insurance.

   c. Your lung condition if:

       i. any lung condition, was not stable; or

       ii. you have been treated with home oxygen or taken oral steroids (e.g., Prednisone) for any lung condition, at any time during the 90 days prior to the effective date of this insurance.

2. Any injury, sickness or medical condition which, prior to the effective date of this insurance:

   a. was such as to render medical consultation or hospitalization expected;

   b. which has been shown, by prior medical history, as probable or certain to occur.

3. Expenses for which no charge would normally be made in the absence of insurance.

4. Committing or attempting to commit an illegal act or a criminal act.

5. Your participation in and/or voluntary exposure to any risk from: war or act of war, whether declared or undeclared; invasion or act of foreign enemy; declared or undeclared hostilities; civil war, riot, rebellion; revolution or insurrection; act of military power; or any service in the armed forces.

6. Labour disruptions or strikes (legal or illegal).

7. Sickness, injury or medical condition if you, a travel companion or an immediate family member of you or your travel companion are awaiting or undergoing any surgery, medical test(s) examination(s), monitoring or consultation prior to the effective date of this insurance:

   a. for an existing medical condition, other than a regular medical check-up. (In the eventuality of a claim, the dates of the last and next medical check-up must be provided.);

   b. for a new or changed medical condition which may eventually cause you to seek medical attention.

8. Medication, drugs or toxic substance abuse or overdose (whether or not you are sane); alcohol abuse, alcoholism or an accident while being impaired by drugs or alcohol or having an alcohol concentration that exceeds 80 milligrams in 100 milliliters of blood.

9. Suicide (including any attempt thereat) or self-inflicted injury whether or not you are sane.

10. A disorder, disease, condition or symptom that is emotional, psychological, or mental in nature unless you are hospitalized on the date of occurrence for the event that caused a trip cancellation.

11. Treatment or surgery during a trip when the trip is undertaken for the purpose of securing or with the intent of receiving medical or hospital services, whether or not such trip is taken on the advice of a physician or surgeon.

12. A trip undertaken for the purpose of visiting a sick or injured person when the covered trip is cancelled, interrupted or delayed due to such person’s medical condition or death therefrom.

13. Treatment or hospitalization of mother or child(ren) as a result of pregnancy, miscarriage, childbirth or complications of any of these conditions occurring in the nine weeks before and/or after the expected delivery date.

14. A return earlier or later than the contracted date of return, unless recommended by the attending physician.

15. A return delayed more than 10 days beyond the contracted date of return, unless you, an immediate family member or a travel companion were hospitalized for at least 48 consecutive hours within the 10-day period.

16. Sickness, injury or medical condition you suffer or contract in a specific country, region or area for which the Department of Foreign Affairs and International Trade of the Canadian Government has issued a travel advisory or formal notice, before your departure date, advising Canadians not to travel to that specific country, region or area. If the Canadian Government issues a travel advisory or formal notice to leave that specific country, region or area, after your departure date, your coverage for sickness, injury or medical condition is limited to a period of 10 days from the date the advisory was issued, or to a period that is reasonably necessary to safely evacuate the country, region or area. In this exclusion “sickness, injury or medical condition” means any sickness, injury or medical condition that is attributable to the reason for which the travel advisory or formal notice was issued or any complications arising therefrom.

17. Any cause or event which might reasonably have been expected to necessitate the immediate return of the insured.

18. Flight accident (unless you are travelling as a fare-paying passenger on a commercial airline).

 

H. How to File a Claim

For a Claim under Travel Cancellation or Interruption Insurance

1. The physician recommending cancellation, interruption or delay of the covered trip must be your personal physician or a physician actively and personally attending to your care.

2. You must call the Global Excel Cancellation Desk on the day the insured risk occurs or on the next business day to advise Global Excel of your cancellation or interruption. Failure to notify Global Excel limits the benefits payable to you. Only the non-refundable prepaid amounts that apply on the day the insured risk occurs shall be considered for the purpose of your claim.

3. When you contact the Global Excel Cancellation Desk by telephone, be prepared to provide the following information:

   a. your name;

   b. your policy number;

   c. the insurance plan you purchased;

   d. your contracted dates of travel for the covered trip;

   e. the reason why you are cancelling or interrupting your covered trip; and

   f. the telephone, fax number and/or e-mail address where you can be contacted immediately.

4. Once you have reported the cancellation or interruption of your covered trip (as described in 1. and 2.), you must submit the documents listed below to Global Excel at the address indicated. Make sure you complete the following steps.

 

You must submit the following documents:

1. A claim form (available by contacting Global Excel) fully completed and signed by you as well as by your regular attending physician or the physician actively attending to your care who is recommending that you do not travel on the dates of your covered trip.

2. Original invoices receipts for transportation, meals, accommodation and transfer vouchers.

3. Original airline tickets. If any part of the airline ticket is refundable (taxes or penalty) please proceed first with the refund and send us a copy of the airline ticket and proof of refund.

4. Original receipts as proof of payment for your covered trip showing date(s), amount(s) paid, travel agency service fees and penalties and the method of payment for your insurance. This is required for all the deposits and final payments you made to your Travel Agent for your covered trip.

 

For Travel Cancellation

5. For a claim under insured risk 1, 2 or 3 due to death or hospitalization, a claim form (available by contacting Global Excel), a death certificate and hospital records as well as an explanation of your relationship to the person in question and why this event caused you to cancel your covered trip.

6. For a claim under insured risks 6 to 18, proof of the insured risk's occurrence, as follows:

a. for insured risk 6, 7 and 13, the applicable reports from the proper authorities;

b. for insured risk 8, the original airline ticket(s) and/or an original cancellation invoice, the transfer vouchers, a police report detailing such circumstances, or in the case of a mechanical failure, an applicable letter from the rental agency confirming such failure or a commercial invoice detailing the necessary repairs to the vehicle;

c. for insured risk 9 or 10, the applicable letters from the common carrier or cruise line;

d. for insured risk 11 or 12, a letter from the employer confirming the relocation or termination of employment;

e. for insured risk 14, the applicable reports from the embassy, consulate general and/or the Canadian government;

f. for insured risk 15 or 16, a copy of the notice of hearing, summons, subpoena or any other court document showing the date you must appear in court;

g. for insured risk 17, a proof of the travel advisory or formal notice;

h. for insured risk 18, a letter from the veterinarian.

For Travel Interruption

7. For a claim under insured risks 1, 2, 3, 5, 7, 8, 9, 13, 17, 18, 19 and 20:

a. The original: airline tickets, transfer vouchers, accommodation and other travel documents prepaid for your covered trip.

b. An explanation of the events that caused you to interrupt your covered trip under the insured risk.

c. Complete details and dates of the event and an explanation of your relationship to the person in question where a person other than yourself is involved.

d. For out-of-pocket expenses: original receipts for the covered expenses incurred and an explanation of the expenses.

e. For hospitalization, death or repatriation: a copy of the hospital records, death certificate, receipts from airlines, funeral homes and other expenses covered under the insured risk.

8. Global Excel may ask you or your attending physician to provide additional evidence to support your claim. The existence of a pre-existing medical condition may be established using the medical records held by the claimant’s attending physician(s) or any hospital(s) for the purpose of determining the validity of a claim. In this event, you will be responsible for any fees required to substantiate your claim. You may also be required to undergo examination by one or more of our physicians. In this event, Global Excel will cover any associated costs.

 

9. For a claim under Holiday Safeguard:

a. An itemized original travel agency invoice showing fares, deposits, travel dates, and final payment of the replacement trip.

b. An itemized receipt showing proof of payment for the replacement trip.

c. A copy of your policy confirmation for the replacement trip.

d. Copies of your new travel documents.

e. Hospital records and/or a death certificate along with an explanation of your relationship to the person in question and the event that caused you to file a claim.

10. For a claim under Flight Itinerary Schedule Change - You must provide proof of refund for the original tickets (a copy of the ticket refund notice or ticket exchange notice) or a letter from the agency if ticket(s) have not yet been issued or were sent for refund to the bank settlement plan, tour operator or wholesaler. Send all applicable documents listed above to Global Excel at the address indicated.

See Section 9 for other claims procedures.

 

 

Section 7 – Accidental Death and Dismemberment

 

A. Coverage Offered

 

 

Section 9 - How to File a Claim

 

A. Claims Procedure

1. You must substantiate your claim by providing all required documents for the applicable insurance coverage. Failure to do so may result in non-payment of your claim. (The Insurer is not responsible for charges levied in relation to any such documents.) Note that incomplete documentation will be returned to you for completion.

2. Notice and Proof of Claim - The insured or a beneficiary entitled to make a claim, or the agent of any of them shall:

   a. give written notice of claim to Global Excel by delivery thereof or by sending it by registered mail to Global Excel not laterthan 30 days from the date the claim arises under the contract on account of an accident, sickness or insured risk;

   b. within 90 days from the date a claim arises under the contract on account of an accident, sickness or insured risk, furnish Global Excel such proof of claim as is reasonably possible in the circumstance of the happening of the accident or the commencement of the sickness and the loss occasioned thereby, the right of the claimant to receive payment, his or her age, and the age of the beneficiary, if relevant; and
   
   c. if so required by Global Excel, furnish a satisfactory certificate as to the cause or nature of the accident, sickness or insured risk for which a claim may be made under the contract.

3. Failure to Give Notice or Proof - Failure to give notice of claim or furnish proof of claim within the prescribed period above does not invalidate the claim if the notice or proof is given or furnished as soon as is reasonably possible, and in no event later than one year from the date of emergency if it is shown that it was not reasonably possible to give notice or furnish proof within the time so prescribed.

B. When Money Payable - All money payable under this contract shall be paid by the Insurer within 60 days after it has received proof of claim.

 

C. Payment of Benefits

1. All benefits, other than for loss of life, are payable to you or on your behalf.

2. Benefits for loss of life are payable to your estate unless a beneficiary is otherwise designated by you in writing directly to Global Excel or the Insurer.

3. Any claims paid to you will be payable in Canadian funds.

4. Where claims are payable in foreign currency, the rate of exchange is based on the rate effective on the date when the claim payment is made to you.

5. No sum payable shall bear interest.

 

 

PLEASE SEND ALL DOCUMENTS FOR YOUR CLAIM TO:

 

Global Excel Management Inc.

73 Queen Street

Sherbrooke, Quebec

J1M 1J3

 

Section 10 - General Provisions

 

A. Subrogation

If an insured person suffers a loss covered under this policy, the Insurer is granted the right from the insured person to take action to enforce all the rights, powers, privileges and remedies of the insured person upon making payment or accepting the claim to the extent of the incurred losses, against any person, legal person or entity which caused such loss. Additionally, if No Fault benefits or other collateral sources of payment of expenses are available to the insured person, regardless of fault, the Insurer is granted the right to make a demand for, and recover those benefits. If the Insurer institutes an action, the Insurer may do so at its own expense, in the insured person’s name, and the insured person will attend at the place of loss to assist in the action. If the insured person institutes a demand or action for a covered loss he shall immediately notify the Insurer so that it may safeguard its rights.

The insured person shall take no action after a loss that will impair the rights of the Insurer set forth in this paragraph and shall do such things as are necessary to secure the Insurer’s rights.

 

B. Other Insurance

This insurance is a second payor plan. For any loss or damage insured by, or for any claim payable under any other liability, group or individual basic or extended health insurance plan, or contracts including any private or provincial or territorial auto insurance plan providing hospital, medical, or therapeutic coverage, or any other insurance in force concurrently herewith, amounts payable hereunder are limited to those covered benefits incurred outside the province of residence (or within for Travel Cancellation) that are in excess of the amounts for which an insured person is insured under such other coverage.

All coordination with employee related plans follows Canadian Life and Health Insurance Association Inc. guidelines. In no case will the Insurer seek to recover against employment related plans if the lifetime maximum for all in-country and out-of-country benefits is $50,000 or less. If the lifetime maximum for all in-country and out-of-country benefits is over $50,000, the Insurer will coordinate benefits only above this amount.

C. Misrepresentation and Non-Disclosure

The entire coverage under this policy shall be voidable if the Insurer determines, whether before or after loss, you have concealed, misrepresented or failed to disclose any material fact or circumstance concerning this policy or your interest therein, or if you refuse to disclose information or permit the use of such information, pertaining to any of the insured persons under this contract of insurance.

D. Arbitration

Notwithstanding any clause in the present policy, the parties hereto undertake to submit to an arbitration procedure, to the exclusion of the courts, any present or future dispute relating to a claim. The arbitration proceedings shall be governed by arbitration laws in force in the Canadian province or territory of residence of the insured. The parties agree that any action will be referred to arbitration.

E. Limitation of Actions

An action, arbitration or similar proceeding against the Insurer for the recovery of a claim under this contract shall not be commenced more than one year (two years in the Northwest Territories, three years in the province of Quebec) after the date the insurance money became payable or would have become payable if it had been a valid claim. If this limitation is invalidly shorter than the limitation prescribed by the laws of your province or territory of residence an action, arbitration or similar proceeding against the Insurer shall not be commenced later than the shortest limitation period prescribed by the laws of that province or territory of residence. The limitation periods stated in this section apply to all plans and benefits of this policy and to all endorsements thereof.

F. Applicable Law

This contract of insurance is governed by the laws of your Canadian province or territory of residence. Any legal proceeding by you, your heirs or assigns shall be brought in the courts of the Canadian province or territory of residence of the insured.

G. Notice of Statutory Conditions

Despite any other provision of this contract, this contract is subject to the statutory conditions in the Insurance Act respecting contracts of accident and sickness insurance of the Canadian province or territory of residence of the insured.

H. Safeguarding your Privacy

The Insurer places great importance on the protection of your privacy. The Insurer collects your personal information when you apply for this insurance and in the event of a claim, to provide you with insurance services and to analyze your claim. This information remains confidential, as is required under applicable federal and provincial laws. In the event of a claim, the Insurer may collect your personal health information held by a third party. This information may be released to employees of Global Excel and the Insurer for claims analysis and to better serve you. In no case will the Insurer release this information to any person or organization that is not clearly entitled to it without first seeking your consent.

 

Section 11- Definitions

 

Accident means a fortuitous, sudden, unforeseen and unintentional event exclusively attributable to an external cause resulting in bodily injury.

Actual Cash Value means the estimated value at the time of loss.

Business Meeting means a meeting scheduled before your effective date between companies with unrelated ownership, pertaining to your full-time occupation or profession and which is the sole purpose of your trip.

Caregiver means a person you have entrusted with the care of your children on a permanent, full-time basis and whose services cannot reasonably be replaced.

Child(ren) means an unmarried child of the insured or his spouse who is, at the date of purchase, dependent on you for support and is under 21 years of age.

Common Carrier means a conveyance (bus, taxi, train, boat, airplane or other vehicle) which is licensed, intended and used to transport paying passengers.

Contracted, in reference to a destination, a date or the time and place of arrival or departure, means that which is indicated in the travel documents for the covered trip.

Covered Trip means the travel arrangements which you have purchased and paid for, prior to the application for this insurance.

Day means 24 consecutive hours.

Emergency means that you require immediate medical treatment for the relief of acute pain or suffering resulting from an unexpected and unforeseen sickness or injury occurring while on a covered trip and that such medical treatment cannot be delayed until your return to your province or territory of residence.

Flight Itinerary Schedule Change means:

a. the rescheduled departure of an air carrier causing you to miss your next connecting flight with another air carrier when both air carriers are part of your covered trip;

b. the earlier departure of an air carrier causing the ticket you purchased to be unusable for the prior connecting flight with another air carrier when both air carriers are part of your covered trip; or

c. when your flight itinerary, not forming part of a fly-cruise package, is changed more than 72 hours prior to departure, and you must incur additional expenses for new flight arrangements to meet your original cruise embarkation. A Flight Itinerary Schedule Change does not mean a change resulting from a labour dispute, strike or flight delay.

Global Excel means the company appointed by the Insurer to provide medical assistance and claims services.

Hospital means an institution which is designated as a hospital by law; which is continuously staffed by one or more physicians at all times; which continuously provides nursing services by graduate registered nurses; which is primarily engaged in providing diagnostic services and medical and surgical treatment of a sickness or injury in the acute phase, or active treatment of chronic conditions; which has facilities for diagnosis, major surgery and in-patient care. The term hospital does not include convalescent, nursing, rest or skilled nursing facilities, whether separate from or part of a regular general hospital, nor a facility operated exclusively for the treatment of persons who are mentally ill, aged, drug or alcohol abusers.

Hospitalized or Hospitalization means an insured occupies a hospital bed for more than 24 hours for medical treatment and admission was recommended by a physician when medically necessary.

Immediate Family Member means your mother, father, sibling, child, spouse, grandparent, grandchild, aunt, uncle, niece, nephew, mother-in-law, father-in-law, daughter-in-law, son-in-law, brother-in-law and sister-in-law.

Infant means a child under two years of age.

Injury means an unexpected and unforeseen harm to the body caused by an accident, occurring while on a covered trip and requiring immediate emergency treatment that is covered by this policy.

Insured, Insured Person, You, Your and Yourself refers to any eligible person who is named on the Policy Confirmation.

Medical Treatment means any reasonable procedure which is medical, therapeutic or diagnostic in nature, which is medically necessary and which is prescribed by a physician. Medical Treatment includes hospitalization, basic investigative testing, surgery, prescription medication (including prescribed as needed) or other treatment directly related to the sickness, injury or symptom.

Medically Necessary, in reference to a given service or supply, means such service or supply:

a. is appropriate and consistent with the diagnosis according to accepted community standards of medical practice;

b. is not experimental or investigative in nature;

c. cannot be omitted without adversely affecting your condition or quality of medical care;

d. cannot be delayed until your return to your province, territory of residence or Canada.

Minor Ailment means any sickness or injury which does not require the use of medication for a period greater than 15 days, more than one follow-up visit to a physician, hospitalization, surgical intervention, or referral to a specialist, and which ends at least 30 consecutive days prior to the departure date. However, a chronic condition or any complication of a chronic condition is not considered a minor ailment.

Non-Aligned Air Carriers means two different connecting air carriers that are part of the covered trip when no fare agreement exists between these air carriers for this portion of the air transportation.

Physician means a medical practitioner whose legal and professional standing within his jurisdiction is equivalent to that of a doctor of medicine (M.D.) licensed in Canada, who is duly licensed in the jurisdiction in which he practices, who prescribes drugs and/or performs surgery and who gives medical care within the scope of his licensed authority. A physician must be a person other than yourself or an immediate family member.

Reasonable and Customary Costs means costs that are incurred for approved, eligible medical services or supplies that do not exceed the standard fee of other providers of similar standing in the same geographical area, for the same medical treatment of a similar sickness or injury.

Sickness means a disease or disorder of the body which results in loss while this coverage is in effect. The sickness must be sufficiently serious to prompt a reasonably prudent person to consult a physician for the purpose of medical treatment.

Spouse means the person to whom you are legally married or with whom you have been residing for at least the last 12 months.

Stable means any medical condition (other than a minor ailment) for which all the following statements are true:

a. there has been no new diagnosis, treatment or prescribed medication;

b. there has been no change in treatment or change in medication, including the amount of medication to be taken, how often it is taken, the type of medication or change in treatment frequency or type. Exceptions: the routine adjustment of Coumadin, Warfarin, insulin or oral medication to control diabetes (as long as they are not newly prescribed or stopped) and a change from a brand name medication to a generic brand medication (insofar as the dosage is not modified);

c. there has been no new symptom, more frequent symptom or more severe symptom;

d. there have been no test results showing deterioration;

e. there has been no hospitalization or referral to a specialist (made or recommended) and you are not awaiting results and/or further investigations for that medical condition.

Sum Insured means the maximum sum payable that you selected at the time of purchase and paid the premium for, or that applies to a given insurance coverage.

Travel Companion means a person accompanying you on the covered trip, who shares accommodation and transportation with you and has paid such accommodation or transportation in advance of departure. A maximum of three persons will be considered your travel companions.

Travel Visa means the visa required for your entrance to a foreign country (not an immigration, employment or student visa).

Treated means that you have been hospitalized, have been prescribed (including prescribed as needed), have taken or are currently taking medication, have undergone a medical or surgical procedure.

Vehicle means any automobile, station wagon, mini-van, sports utility vehicle (for on road use), motorcycle, boat, pick-up truck or a mobile home, camper truck or trailer home under 36 feet in length, used exclusively for the transportation of passengers other than for hire, in which you are a passenger or driver during your trip.

 

 

 

THIS POLICY CONTAINS CLAUSES WHICH MAY LIMIT THE AMOUNT PAYABLE.

 

Important Notice to the Insured

• If you have to cancel or interrupt your covered trip, you must call the Global Excel Cancellation Desk immediately at 1-877-644-4215 toll free or (819) 566-4215.
• In the event of an emergency while on your covered trip, you must call Global Excel immediately.

24-HOUR EMERGENCY
MEDICAL ASSISTANCE

1-800-715-8833 in the USA and Canada
001-800-514-1518 in Mexico
1-800-002-554 in Australia
1-888-751-4335 in the Dominican Republic
(819) 566-8839 collect from anywhere

 

REMEMBER TO:
1. Keep all original invoices and/or receipts for payment and confirmation of your insurance in a safe place.
2. Keep your policy with you at all times during your covered trip.
3. Read your policy carefully.