etfs - Travel Medical Emergency Insurance

TRAVEL CANCELLATION & INTERRUPTION INSURANCE

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

Section 1 - IMPORTANT NOTICES - 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 the effective date of this insurance. 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 a claim, your prior medical history may be reviewed.

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.

Section 2 - ELIGIBILITY

The insurance shall be null and void if purchased in a manner other than as stated in this Section and the Insurer's liability shall be limited to the refund of the insurance premium paid.
The insurance:
1. must be purchased prior to your departure from your province, territory of residence or Canada;
2. must be applied for the entire duration of the covered trip;
3. must be applied for to cover the total amount of the non-refundable portion of the covered trip; and
4. must be applied for at the time of initial deposit or prior to any cancellation penalties being applicable to the applicant for the covered trip.
It is a condition precedent to the Insurer's liability under this policy that at the time of application:
1. the applicant knows of no reason for him, an immediate family member, a travel companion or a travel companion's immediate family member, to seek medical attention;
2. the applicant and his travel companion(s) must be deemed fit to undertake and complete the covered trip as booked.
The insurance is null and void if a covered trip is booked or undertaken:
1. contrary to medical advice;
2. while the applicant requires kidney dialysis; or
3. if the applicant has a terminal illness. Terminal illness means that the applicant has a medical condition that is cause for a physician to estimate that he has less than six months to live or for which palliative care have been received.

Section 3 - INSURANCE AGREEMENT

A. The Contract
Note that this Policy, the Application and the Policy Confirmation 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. Period of Coverage

Effective date - Coverage begins on the later of the following:
1. the date you pay the premium; or
2. the date a policy/validation number is issued.
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.

C. Premium Payment

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.
If the premium is insufficient for the period of coverage selected, we will:
1. charge and collect any underpayment; or
2. shorten the policy period by written endorsement if an underpayment in premium cannot be collected.
We will refund any overpayment of premium.

D. Refunds

A full refund of the Premium paid can be made prior to the departure date, provided that no claim has been submitted and only under the following circumstances:

Travel Supplier cancels the trip and all penalties are waived.

Travel Supplier changes/reschedules travel dates and you are unable to travel on those dates and all penalties are waived.
You cancel your trip before any penalties are applicable.

No partial refunds will be made if you return early.

Section 4 - COVERAGE OFFERED

Insured Risks - Any of the following occurrences that prevent you from departing, travelling or returning on the scheduled dates of the covered trip is an insured risk.

Sickness, injury, death or quarantine of you, a travel companion, an immediate family member, a travel companion's immediate family member or a caregiver.

Death or emergency hospitalization of a business partner, a key employee or a close friend occuring within 10 days prior to the contracted date of departure or during the covered trip.

Death or emergency hospitalization of your host at trip destination.

A pregnancy diagnosed after the effective date of this insurance if you, your spouse, a travel companion or a travel companion's spouse accompanying you on the covered trip are pregnant and the expected date of delivery is in the nine weeks before or after the contracted of departure date of your covered trip.

Complication of pregnancy occurring to you, your spouse, a travel companion or a travel companion's spouse accompanying you on your covered trip, in the first 31 weeks of pregnancy.

The legal adoption of a child by you or a travel companion, when, after the effective date of this insurance, the actual date of adoption is scheduled to take place during your covered trip.

Cancellation of a private business meeting at trip destination pertaining to your full-time profession or occupation for a reason beyond your control or that of your employer when the sole purpose of your covered trip is the business meeting. A board meeting, conference, convention, exhibition, general assembly, seminar, course, training or trade show is not covered. You will be required to supply documentary evidence of meeting arrangements in the event of a claim.

A delay that causes you to miss or interrupt any part of your covered trip when, the private or rented vehicle which you are driving or in which you are a passenger, or a common carrier or a prepaid connecting flight aboard which you are a passenger, is delayed due to weather, a mechanical failure, an emergency road closure by the police or an accident, provided that the vehicle or the common carrier was scheduled to arrive at the contracted departure or return point at least two hours (or the required minimum reporting time, whichever is the greater) in advance of the contracted time of departure or return.

Delay of a prepaid common carrier that is part of your or your travel companion's covered trip due to weather conditions, when the delay represents at least 30% of the total duration of the covered trip, provided no other means of transportation is available and, as a result of this delay, you choose not to continue with the covered trip.

Complete cancellation of a cruise within 30 days of departure by the cruise line when the cruise ship is rendered inoperative as a result of a collision at sea, an on board fire or the complete breakdown of the ship's engines (see Section V - Benefits A. 5.).
The cruise ship must weigh a minimum of 10,000 tons and your ticket must be issued and paid in full at the time of cancellation.

The relocation of your principal residence or that of a travel companion by reason of an unforeseen transfer initiated by the employer with whom you, your spouse, a travel companion or a travel companion's spouse are employed at the time of application.
This insured risk does not cover cases of self-employment or temporary contract work.

Involuntary loss of permanent employment without just cause by you, your spouse, a travel companion, a travel companion's spouse, your parent or legal guardian (if you are under 16 years of age) provided that, on the effective date of this insurance, the imminent loss was not public knowledge, nor were the aforementioned persons aware that such loss of permanent employment was imminent.
This insured risk does not apply if employment began after the date of application for this insurance or to cases of self-employment, temporary contract work, temporary layoffs or if you were in the trial period for new permanent employment.

Your principal residence or that of a travel companion is rendered uninhabitable or your place of business or that of a travel companion is rendered inoperative. This insured risk does not cover losses caused by your intentional fault.

The non-issuance, prior to your contracted date of departure, of a travel visa required to enter one or more countries that are part of your covered trip, provided the travel visa applicant (you or a travel companion) is a Canadian resident, has applied within the required application period, has followed proper application procedures and is eligible to apply. The non-issuance cannot be the result of a late application or a renewed application after a previous refusal. The non-issuance of an immigration visa, work permit, work visa or student visa is not covered under this insured risk.

You or a travel companion are summoned to perform police, fire or military service (whether active or reserve).

You or a travel companion are:
1. summoned for jury duty;
2. subpoenaed as a witness in a case; or
3. named as a plaintiff or a defendant in a civil suit.
4. This insured risk applies only when the case is scheduled to be heard during the covered trip and the notice to appear is received after the effective date of this insurance.
A new formal notice issued by the Canadian Government after the effective date of this insurance, warning Canadian residents against travel to, or advising to leave, a specific region or country that is part of your covered trip. This insured risk applies only to Canadian residents.

Sickness, injury or death of your trained guide dog provided that you are legally blind or physically handicapped and travel arrangements have been made for the dog to accompany you on the covered trip.

You or a travel companion are the victim of a hijacking during your covered trip.

A direct, violent attack perpetrated during the covered trip against you, or a travel companion.

Section 5 - BENEFITS

A. Benefits for Travel Cancellation - You must report the cancellation of your covered trip immediately. Refer to the Section 8 - Claims Procedures for instructions.
When the insured risk occurs before departure, this policy provides for payment of one of the following amounts, up to the sum insured (maximum $12,000):

the nonrefundable portion of the travel arrangements, that you have paid for prior to your departure; this benefit is covered if you have not accepted, nor will you accept any compensatory travel arrangements "in lieu of" your cancelled travel arrangements from your travel supplier(s).
This benefit applies to insured risks 1 to 18;

the penalty fee charged for the reinstatement of the unused travel points. This benefit applies to insured risks 1 to 18;

upgrade expenses for the extra cost of the next occupancy charge when an insured risk 1 to 18, prevents a travel companion from departing on the covered trip and you elect to continue with the covered trip;

reasonable transportation costs for you to travel to the destination of your covered trip by the most direct route if you missed the contracted departure date due to the occurrence of insured risks 1, 2, 5, 8 or 13; or

a maximum of $1,200 for prepaid accommodation and nonrefundable prepaid airfare, not forming part of a fly-cruise package, booked and scheduled so that you may join the cruise ship that is part of your covered trip at its original point of embarkation, when the cruise departure is cancelled by the cruise line because the cruise ship (minimum 10,000 tons) has been rendered inoperative as a result of a collision at sea, an on board fire or the complete breakdown of the ship's engines;

a maximum of $200 for travel agency service fees and penalties. To be payable, it is a condition under this policy that the travel agency service fees are prepaid and penalty conditions appear on your initial invoice.

B. Benefits for Travel Interruption - You must report the interruption of your covered trip immediately. Refer to Section 8 - Claims Procedures for instructions.
When the insured risk occurs after departure, this Policy provides for payment of the following benefits:

If you must return earlier or later than the contracted date of return due to the occurrence of insured risks 1, 2, 3, 5, 7, 8, 9, 13, 17, 18, 19 or 20:
1. up to the cost of a one-way economy airfare to the contracted point of departure or the fee charged by the airline to change your contracted date of return as shown on your current and usable ticket, whichever is less; and
2. the nonrefundable portion of unused land arrangements (if any) paid prior to your contracted date of departure.
This benefit does not reimburse the unused portion of any travel ticket.

If you miss part of the covered trip due to the occurrence of insured risks 1, 2, 3, 5, 8, 17, 19 or 20:
1. reasonable and additional transportation costs for you to rejoin the tour or group by the most direct route; and
2. the non-refundable portion of other unused land arrangements paid prior to your contracted date of departure.
When an applicable insured risk occurs, the insured is eligible for interruption benefits 1 or 2 above.

When an insured risk occurs, you will also be reimbursed for reasonable and necessary commercial lodging and meals, commercial automobile rental, essential telephone calls and taxi transportation, to a maximum of $3,500, subject to a limit of $350 per day, provided:

you miss part of a covered trip; or
your, or an insured travel companion's return to the contracted point of departure is delayed beyond the contracted date of return; or
you must return earlier than the contracted date of return.

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In the event of your death, up to a maximum benefit of $5,000 towards the actual cost incurred for preparation of remains, homeward transportation of the deceased insured person to his province or territory of residence, cremation and/or burial at the place of death of the insured person. The cost of the casket or urn is not covered by this benefit.

Section 6 - LIMITATIONS AND RESTRICTIONS

Condition Precedent to Liability - It is a condition precedent to the Insurer's liability under this policy that at the time of application:
1. you know of no reason for you, an immediate family member, a travel companion, or a travel companion's immediate family member, to seek medical attention;
2. you and your travel companion(s) must be deemed fit to undertake and complete the covered trip as booked.

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.

Section 7 - EXCLUSIONS

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

1. 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.
2. 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.
3. Your lung condition if:
  1. any lung condition, was not stable; or
  2. 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.
Exclusion 1 a, b and c above applies to insureds age 60 or over.

Any injury, sickness or medical condition which, prior to the effective date of this insurance:
1. was such as to render medical consultation or hospitalization expected;
2. which has been shown, by prior medical history, as probable or certain to occur.
Expenses for which no charge would normally be made in the absence of insurance.

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

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.

Labour disruptions or strikes (legal or illegal).
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:
1. for an existing medical condition, other than a regular annual check-up. (In the eventuality of a claim, the dates of the last and next annual check-up must be provided.);
2. for a new or changed medical condition which may eventually cause you to seek medical attention.
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 one 100 milliliters of blood.

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

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.

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.

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.

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.

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

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.

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.

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

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

Section 8 - HOW TO FILE A CLAIM

A. Claims Procedure
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.

B. Notice and Proof of Claim - The insured or a beneficiary entitled to make a claim shall:

give written notice of claim to Global Excel by delivery thereof or by sending it by registered mail to Global Excel not later than 30 days from the date the claim arises under the contract on account of an accident, or sickness or insured risk;
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 circumstances 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 age and the age of the beneficiary, if relevant; and
if so required by Global Excel, furnish a satisfactory certificate as to the cause or nature of the accident, sickness, injury or insured risk for which a claim may be made under the contract.

C. 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.

D. 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.

E. Payment of Benefits

All benefits are payable to you or on your behalf.
In case of death of the insured person, benefits are payable to the estate.
Any claims paid to you will be payable in Canadian funds.
Where claims are payable in foreign currency, the rate of exchange is based on the rate effective on the date the payment is made to you.
No sum payable shall bear interest.

F. How to file a claim

For a Claim under Travel Cancellation or Interruption Insurance.

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.

You must call the Global Excel Cancellation Desk (at 1-877-644-4215 toll free or (819) 566-4215 collect) and your Travel Agent 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.

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

your name;
your policy number;
the insurance plan you purchased;
your contracted dates of travel for the covered trip;
the reason why you are cancelling or interrupting your covered trip; and
the telephone, fax number and/or e-mail address where you can be contacted immediately.

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

You must submit the following documents:

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.

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

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.

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 for your covered trip.

For Travel Cancellation

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.

For a claim under insured risks 6 to 18, proof of the insured risk's occurrence, as follows:
1. for insured risk 6, 7, 13, the applicable reports from the proper authorities;
2. 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;
3. for insured risk 9 or 10, the applicable letters from the common carrier or cruise line;
4. for insured risk 11 or 12, a letter from the employer confirming the relocation or termination of employment;
5. for insured risk 14, the applicable reports from the embassy, consulate general and/or the Canadian government;
6. 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;
7. for insured risk 17, a proof of the travel advisory or formal notice;
8. for insured risk 18, a letter from the veterinarian.

For Travel Interruption

For a claim under insured risks 1, 2, 3, 5, 7, 8, 9, 13, 17, 18, 19 and 20:
1. The original: airline tickets, transfer vouchers, accommodation and other travel documents prepaid for your covered trip.
2. An explanation of the events that caused you to interrupt your covered trip under the insured risk.
3. 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.
4. For out-of-pocket expenses: original receipts for the covered expenses incurred and an explanation of the expenses.
5. 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.

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.

Send all applicable documents listed above to Global Excel at the address indicated below:

Global Excel Management Inc.
73 Queen Street, Lennoxville, Quebec J1M 1J3
Toll free 1-800-715-8833
or collect 819-566-8839

Be prepared to provide your policy number or indicate it on all correspondence.

Section 9 - 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.

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 payment 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, the contract is subject to the statutory conditions in the Insurance Act respecting contracts of accident and sickness insurance of the Canadian province or territory where the policy was issued.

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.

For privacy information, please see www.royalsunalliance.ca, or call us at 1-800-716-4339.

Section 10 - DEFINITIONS

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

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 a dependent and unmarried child of the insured or his/her 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 purchased and paid, prior to 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 this coverage is in effect.

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/or medical and surgical treatment of sickness and injury in the acute phase, or active treatment of chronic sickness; 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.

Injury means an unexpected and unforeseen harm to the body caused by an accident, occurring while this coverage is in effect. The injury must be sufficiently serious to prompt a reasonably prudent person to consult a physician for the purpose of medical treatment and for the physician to certify in writing the necessity of cancelling, interrupting or delaying the covered trip.

Insured, Insured Person, You, Your and Yourself means 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:

is appropriate and consistent with the diagnosis according to accepted community standards of medical practice;
is not experimental or investigative in nature;
cannot be omitted without adversely affecting your condition or quality of medical care.

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 each covered trip. However, a chronic condition or complications of a chronic condition are not considered a minor ailment.

Physician means a medical practitioner whose legal and professional standing within his/her 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/she practices, who prescribes drugs and/or performs surgery and who gives medical care within the scope of his/her licensed authority. A physician must be a person other than yourself or an immediate family member.

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 and for the physician to certify in writing the necessity of cancelling, interrupting or delaying the covered trip.

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:

there has been no new diagnosis, treatment or prescribed medication;
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);
there has been no new symptom, more frequent symptom or more severe symptom;
there have been no test results showing deterioration;
there has been no hospitalization or referral to a specialist (made or recommended) and you are not awaiting the results and/or further investigations for.

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 who is sharing travel arrangements with you from your point of departure on the covered trip, including accommodation and transportation, and who 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).

Vehicle means any automobile, station wagon, mini-van, sports utility vehicle (for on road use), motorcycle, 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.

IDENTIFICATION OF INSURER

Underwritten by : Royal & SunAlliance

Administered by: etfs

The insured is requested to read this policy, and if incorrect, return it immediately for alteration. In the event of an occurrence likely to result in a claim under this insurance, immediate notice should be given to Global Excel.

THIS POLICY CONTAINS CLAUSES WHICH MAY LIMIT THE AMOUNT PAYABLE.

^TM The Royal & SunAlliance logo is a trademark owned by Royal & SunAlliance Insurance Group plc, licensed for use by Royal & SunAlliance Insurance Company of Canada.

^TM The following are trademarks of Expert Travel Financial Security (E.T.F.S.) Inc.: the etfs logo and Travel and Healthcare Solutions.

The following is a registered trademark of Global Excel Management Inc.: the Global Excel logo.

Emergency Assistance

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.

REMEMBER TO:

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