AIG Travel Guard

ESSENTIAL MEDICAL PLAN
400115 R10/2007

WARNING: THIS POLICY INCLUDES RESTRICTED BENEFITS

1. This policy covers losses resulting from unforeseeable and emergency circumstances only.
2. A pre-existing condition exclusion applies to medical conditions and/or symptoms that existed prior to travel. There may be no coverage if you have a pre-existing condition.
3. You must contact us before seeking medical attention and a failure to call will result in your being responsible for 30% of any eligible expenses incurred unless your medical condition prevents you from calling, in which case you must call as soon as medically possible or have someone call on your behalf.
4. Our medical advisors must approve and arrange all surgery and heart procedures, (including, but not limited to, heart catheterization), in advance and a failure to call will result in your being responsible not only for the amount of your deductible, if applicable, but also for 30% of any eligible expenses incurred unless your medical condition prevents you from calling, in which case you must call as soon as medically possible or have someone call on your behalf.
5. If you choose not to receive treatment or services from a provider, as directed by us, you will not only be responsible for the amount of your deductible, if applicable, but also for 30% of any eligible expenses.
6. Your Emergency Medical Coverage is subject to an aggregate limit of $2 million CAD.
7. There are limits, limitations and exclusions that apply to all insured persons.
8. Read this policy carefully.

IMPORTANT INFORMATION

This policy covers losses arising from sudden, unexpected and unforeseeable circumstances only. Some words have very specific meanings that are set out in the Definitions Section. These words appear in italics in this policy document when the policy definition applies.

Along with this policy document, you should have received a document called a confirmation of insurance. The confirmation of insurance sets out details specific to the plan you purchased and it forms part of your contract of insurance along with this policy document. If you did not receive all of these documents, if any information contained in these documents is incorrect, or if you have questions regarding your coverage, it is your responsibility to contact us at 1-866-878-0191. You should bring all of these documents with you when you travel.

II. SPECIFIC DETAILS OF YOUR INSURANCE

AM I ELIGIBLE?
To be eligible to purchase our Essential Medical Plan and to be eligible for any coverage under this plan, all of the following are required:

1. You must be a Canadian resident on your policy purchase date and for the full duration of your trip;
2. You must be covered under your government health insurance plan for the full duration of your trip;
3. You must purchase coverage from us for the full duration of your journey;
4. You must be 59 years of age or younger on your policy purchase date;
5. You must purchase prior to or on the same day as your start date;
6. You must purchase prior to your departure but not more than 365 days prior to your departure; and
7. You must be travelling for 365 days or less.

HOW DO I BECOME INSURED?

Coverage under this policy will not come into effect until all of the following conditions have been satisfied:

1. Your name appears on the confirmation of insurance; and
2. You have paid the required premium on or before your start date.

WHEN DOES MY INSURANCE START AND END?

Unless otherwise stated in the provision pertaining to a specific benefit, your insurance starts on the latest of:

1. The date you leave your home province; or
2. The start date shown on your most recent confirmation of insurance.

Your insurance ends on the earliest of:

1. 11:59 pm on your scheduled return date;
2. 11:59 pm on your expiry date; or
3. 11:59 pm on the date you return to your home province, unless there has been:
   • An extension of coverage under the Automatic Extension of Coverage provision of this policy; or
   • An Optional Policy Extension in accordance with the Optional Policy Extension provision of this policy;
     In which case your insurance ends on the earliest of:
     1. The date you return to your home province; and
     2. The later of the expiry of the Automatic Extension of Coverage or any Optional Policy Extension, if applicable.

UNDER WHAT CIRCUMSTANCES CAN MY POLICY EXTEND?

Automatic Extension of Coverage
If you or your travel companion are hospitalized on your scheduled return date your coverage will automatically be extended at no additional premium for the period of hospitalization and up to 120 hours after discharge. If you have a medical condition rendering you medically unable to travel, on your scheduled return date but you are not hospitalized, your coverage will be automatically extended for up to 120 hours after your scheduled return date. In addition, coverage will automatically be extended for up to 72 hours when there is a delay of a common carrier on which you are pre-booked as a passenger.

Optional Policy Extension
If you choose to extend your trip, beyond your scheduled return date, you may apply for a policy extension subject to the following conditions:

1. The application for an extension must be made and approved by us prior to your original return date;
2. You must pay the required additional premium before your original return date; and
3. You must have been eligible for the insurance that you seek to extend at the time of your original booking and at the time of the application for the extension.

CAN MY PREMIUM BE REFUNDED?

Refunds are available up to your start date or if you have a minimum of 3 unused days of coverage. Please call 1-866-878-0191. No refund of premium will be made in the event that a claim has been paid, incurred or reported under this policy.

III. EMERGENCY MEDICAL COVERAGE

This section sets out the emergency medical benefits which are covered under our Essential Medical Plan.

A. Benefits - Emergency Medical Coverage for Injury and Sickness

If you incur expenses due to a covered risk, on or after your start date and prior to or on your expiry date, while you are on a trip, we provide coverage for the following covered benefits up to the specific benefit limits set out below.
Benefit limits are for each insured under this policy. We do not pay more than the benefit limit.

Covered Risk: Expenses incurred as a consequence of an emergency and resulting from injury, sickness or death occurring on a trip.

Benefits for Covered Risk 1:

1. Eligible Emergency Medical Expenses
   If prescribed by a physician and pre-authorized by us in advance, we cover:
   1. The cost of care received from a physician in or out of a hospital;
   2. The cost of a hospital room;
   3. The cost of rental or purchase (whichever is less) of a hospital bed;
   4. The cost of wheelchair, brace, crutch or other medical appliance;
   5. The cost of tests that are needed to diagnose your condition;
   6. The cost of prescription medication; and
   7. The services of a licensed private duty nurse while you are hospitalized.
   Benefit Limit: $2 million.

2. Ambulance
   We cover:
   1. The cost of local ground ambulance service to a medical service provider if medically required; or
   2. Taxi fare instead of ambulance transportation, where an ambulance is medically required but not available.

3. Emergency Evacuation and Repatriation
   If your attending physician recommends your return to your departure point or home province because of your medical condition or if your attending physician recommends your return after your emergency medical treatment, and if approved in advance by us, we cover, via the most cost-effective itinerary, one or more of:
   1. The extra cost of an economy or charter class fare;
   A stretcher fare on a commercial flight or charter;
   The return economy or charter class fare of a qualified medical attendant and the attendant's reasonable fees and expenses, if required by the airline;
   The cost of air ambulance transportation, pre-approved and arranged by us; and
   One travel companion's extra fare to accompany you, if medically necessary and directed by a physician.

4. Return of Remains
   If you die during your trip we cover reasonable expenses incurred for any one of the following:
   1. Reasonable transportation costs (using customary airline procedures) to return your remains to your departure point plus up to $3,000 for the preparation of your remains and a transportation container;
   2. Reasonable transportation costs (using customary airline procedures) to return your remains to your departure point plus up to $2,000 for the cremation of your remains and the cost of a standard burial urn at the place of your death; or
   3. Up to $3,000 for the preparation of your remains and the cost of a standard burial container plus up to $2,000 for the burial of your remains at the location where your death occurred.
      Benefit Limit: As described above per insured.
      Further, if someone is legally required to identify your body because you have died while on a trip, we cover:
   4. The cost of a return economy airfare on a commercial flight or charter via the most cost effective itinerary to transport someone to identify your body;
   5. A subsistence allowance up to the benefit limit for commercial accommodations and meals for that person (receipts must be submitted for all eligible expenses including these ones); and
   6. We cover that person under the terms of this insurance during the period in which he/she is required to identify your body, up to 3 business days.
      Benefit Limit: Subsistence allowance - $300 per deceased insured.

5. Emergency Professional Services
   We cover:
   1. Expenses resulting from an emergency for services from a licensed physiotherapist, chiropractor, chiropodist, podiatrist or osteopath, if ordered by a physician, up to the benefit limit.
      Benefit Limit: $150 per profession per insured

B. Conditions - Emergency Medical Coverage

All of the conditions set out in the General Conditions section of this policy and all of the following conditions must be satisfied before a benefit is payable for emergency medical treatment:

1. You must not know of any reason why you will need to seek medical or dental attention before you leave on a trip;
2. The portion of the expenses claimed are not covered by your GHIP or any other related insurance or reimbursement plan;
3. You must contact us before seeking medical attention;
4. Our medical advisors must approve and arrange all surgery and heart procedures, including heart catheterization, in advance;
5. If you choose not to receive treatment or services from the provider, as directed by us, you will be responsible not only for the amount of your deductible, if applicable, but also for 30% of any eligible expenses incurred;
6. You must return to your home province or departure point prior to any treatment or following emergency treatment or hospitalization if, on medical evidence, you are able to return to your home province or departure point without endangering your health and if, in these circumstances, you elect not to return to your home province or departure point, then any expenses incurred for continuing medical treatment or surgery with respect to such emergency will not be covered AND all coverage and benefits under this policy will cease;
7. You must be covered by GHIP for the full duration of your trip. If travelling outside your home province for more than 183 days (212 for ON and NL residents) you must get written evidence of extension from your GHIP. If you do not have GHIP for the full duration of your trip, your aggregate limit for all Emergency Medical Benefits will be $20,000;
8. The emergency medical attention you receive must be outside of your home province and be required as a consequence of an emergency and ordered by a physician.

C. Limitations - Emergency Medical and Dental Coverage

Our liability under this policy for expenses under Emergency Medical Coverage is limited as follows.

1. A failure to contact us before seeking medical attention will result in your being responsible not only for the amount of your deductible, if applicable, but also for 30% of any eligible expenses incurred unless your medical condition prevents you from calling, in which case you must call as soon as medically possible or have someone call on your behalf.
2. A failure to call and receive the approval of our medical advisors before all surgery and heart procedures, (including, but not limited to heart catheterization) will result in your being responsible not only for the amount of your deductible, if applicable, but also for 30% of any eligible expenses incurred unless your medical condition prevents you from calling, in which case you must call as soon as medically possible or have someone call on your behalf.

D. Exclusions - Emergency Medical Coverage

These exclusions apply to the Emergency Medical benefits. The additional exclusions set out in the General Exclusions Section of this policy also apply. There are three possible exclusion identifiers which can apply to your policy depending on your trip length and age at time of purchase. These three identifiers are ME#1, ME#2, or ME#3.

Medical Exclusion Table

Trip Length	Age 0-29	Age 0-59
Days 1 to 30	ME#1	ME#1
Days 31 to 75	ME#2	ME#2
Days 75+	ME#2	ME#3

Pre-Existing Condition Medical Exclusion #1 for Identifier ME#1
If your exclusion identifier is "ME#1" your Emergency Medical Coverage is subject to all of the exclusions set out in the General Exclusions Section of this policy and the following exclusion:
ME#1. If at any time in the 90-day period immediately preceding your effective date:

1. Your medical condition or any related condition has not been stable and controlled;
2. Your heart condition has required you to use, take, or be prescribed to take nitroglycerin in any form, more than once per a seven day period; or
3. Your lung condition has required the use of home oxygen or has required you to take oral steroids (prednisone or prednisolone);
   Then we do not cover any loss or expense related in whole or in part, directly or indirectly, to any such condition.

Pre-Existing Condition Medical Exclusion #2 for Identifier ME#2
If your exclusion identifier is "ME#2" your Emergency Medical Coverage is subject to all of the exclusions set out in the General Exclusions Section of this policy and the following exclusion:
ME#2. If at any time in the 180-day period immediately preceding your effective date:

1. Your medical condition or any related condition has not been stable and controlled;
2. Your heart condition has required you to use, take, or be prescribed to take nitroglycerin in any form, more than once per a seven day period; or
3. Your lung condition has required the use of home oxygen or has required you to take oral steroids (prednisone or prednisolone);
   Then we do not cover any loss or expense related in whole or in part, directly or indirectly, to any such condition.

Pre-Existing Condition Medical Exclusion #3 for Identifier ME#3 If your exclusion identifier is "ME#3" your Emergency Medical Coverage is subject to all of the exclusions set out in the General Exclusions Section of this policy and the following exclusion:
ME#3. We do not cover any loss or expense related in whole or in part, directly or indirectly, to any medical condition for which you have taken medication, been prescribed medication, received treatment, experienced a deterioration of the condition or had cause to seek treatment at any time within the 180-day period immediately preceding and including your effective date and this exclusion applies whether or not the condition has been stable and controlled.

IV. FEATURES AND SERVICES TO SERVE YOU BETTER

24/7 Worldwide Emergency Assistance 1-866-878-0192 or collect at 416-646-3723
Our emergency assistance coordinators, doctors and nurses can help you anywhere in the world, anytime of day.

V. GENERAL CONDITIONS

All of the following conditions apply to all coverage under this policy.

1. Your coverage will be declared null and void if, for any reason
   1. The required premium is not received by us;
   2. You are ineligible for coverage in accordance with any section of this policy; or
   3. You have incompletely or falsely provided information on your application or medical questionnaire if a medical questionnaire was required.
2. Canadian Currency: All benefits, benefit limits and all other amounts expressed in this policy are expressed in Canadian currency, except any deductible which is expressed in US dollars. Where covered losses are billed in foreign currency, the rate of exchange is based on the rate effective on the date when we pay the claim. No sum payable shall bear interest. To facilitate direct payment to providers, we may elect to pay the claim in the currency of the country where the charges were incurred based on the rate of exchange established by any chartered bank in Canada:
   1. On the last date of service; or
   2. On the date the claim was incurred if a cheque is issued directly to physicians, hospitals or other medical providers.
3. If you are covered under more than one of our policies, or have similar coverage with another insurance company, the total amount paid to or for you will not exceed your actual expenses and the maximum to which you are entitled is the largest amount specified for that benefit.
4. The coverage outlined in this policy is last payor only. If, at the time of loss, you have insurance from another source, or if any other party is also responsible, to pay for benefits also provided under this policy, we will pay eligible expenses only in excess of those covered by that other insurance company or insurance companies or other responsible party or parties, including insurance plans provided through credit cards, third party liability, group or individual basic or extended health insurance plans or contracts including any private or provincial or territorial auto insurance plan, providing hospital, medical or therapeutic coverage, or any third party liability insurance in force concurrently with this policy.
5. In the event of a payment of a claim under this policy, we have the right to proceed, in your name, but at our expense, against third parties who may be responsible for giving rise to a claim under this policy. You will execute and deliver documents as necessary and co-operate fully with us so as to allow us to fully assert our rights. You will do nothing to prejudice such rights.
6. We have full rights of subrogation; however, we do not subrogate against any retiree plan benefit if the lifetime maximum limits for all in-country and out-of-country benefits is $50,000 or less.
7. Notwithstanding any provision of this policy, this policy is subject to the statutory conditions of the Insurance Act applicable to contracts of accident and sickness insurance and the laws and regulations in your home province. The laws and regulations of the province or territory in Canada in which you normally reside govern this policy and any provision in this policy which is in conflict with any such statute is hereby amended to conform to such statute.
8. The maximum period of coverage under this policy shall not exceed 12 months. Benefits only apply (except for Trip Cancellation Coverage) outside your home province. No coverage will be provided to or for anyone not named on the confirmation of insurance.
9. In the event that you are found to be ineligible for coverage or that a claim is found to be invalid or benefits are reduced in accordance with any policy provision, we have the right to collect from you any amount which we have paid on your behalf to medical providers or other parties.
10. Your policy will be declared null and void in the case of fraud or attempted fraud by you, or if you conceal or misrepresent any material fact or circumstance concerning this insurance.
11. During the claims process, we may require you to have a medical examination by one or more physicians chosen by us and at our expense.
12. We are not responsible for the availability, quality or results of any medical treatment. We are not responsible for any transportation arranged by us. We are not responsible for your failure to obtain medical treatment.
13. You must, at all times while you are covered under this Policy, act in a prudent manner so as to minimize costs to us.

VI. MAXIMUM LIMITS OF LIABILITY

General Liability: Our liability under this policy is limited solely to the payment of eligible benefits, up to the benefit limits specified herein, for any loss or expense.

VII. GENERAL EXCLUSIONS

The following exclusions apply to all benefits available under this policy, including all optional coverage. In addition to any exclusions that apply to specific benefits outlined within each section, we also do not cover any claim, loss or any expense related in whole or in part, directly or indirectly to:

1. Expenses resulting from any sickness, injury or state of health prior to your policy purchase date that would cause expected medical treatment or hospitalization during your trip;
2. Any treatment that is not emergency treatment. For example (and not inclusive of):
   1. Expenses incurred for medication commonly available without prescription;vaccinations, injections or medication received on a preventative basis or for themaintenance of a medical condition; contraceptives; fertility medication; vitamin preparations; general physical examinations; or routine medical tests;
   2. Transplants including but not limited to organ transplants or bone marrow transplants, artificial joints, or prosthetic devises/implants including any associated charges;
   3. Expenses incurred for acupuncture or naturopathic or holistic treatment;
3. Ionizing radiation or radioactive contamination from any nuclear fuel or waste which results from the burning of nuclear fuels, or, the radioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it;
4. Expenses incurred for any portion of benefits that require prior authorization and arrangements by us if such benefits were not authorized and arranged by us;
5. Any medical condition if on a medical questionnaire (if applicable) or application for insurance, there is an incorrect answer. In this case the policy is voidable and premium refundable at our option;
6. The follow-up treatment, recurrence or complication of a medical condition or related condition, following emergency treatment of that condition during your trip if the medical advisors, and we, determine that you were medically able to return to your home province and you chose not to return;
7. Expenses incurred for treatment or services that are prohibited under a government health insurance plan;
8. Expenses in excess of reasonable and customary rates where treatment has occurred before you or someone on your behalf has called us;
9. Any medical expense incurred while travelling in your home province;
10. Any medical condition, if our medical advisors recommend that you return to your country of residence following your emergency treatment, and you choose not to travel;
11. Routine pre-natal care; a child born during your trip; childbirth or complications of childbirth; pregnancy or complications thereof within the 9 weeks before or anytime after the expected date of delivery;
12. Your mental or emotional disorders;
13. Your committing or attempting to commit suicide or intentionally self-inflicted injury (whether sane or insane);
14. Your chronic use or abuse (prior to or during your trip) of medication, drug or alcohol or deliberate non-compliance with prescribed medical therapy or treatment;
15. A trip undertaken in contravention of a physician's recommendation or after the manifestation of medical symptoms which would cause an ordinarily prudent person to seek medical advice or treatment in the 90 days prior to your start date; or where a terminal condition prognosis has been diagnosed by any physician;
16. A medical condition or related condition that arises during a trip you undertake with the prior knowledge that you will require or seek treatment or surgery for that medical condition or a related condition;
17. A medical condition for which future investigation or treatment is planned before your start date. This does not include routine monitoring;
18. The commission of or your direct or indirect attempt to commit a criminal act or injury occurring while you are committing or attempting to commit a criminal act;
19. Your participation in rock or mountain climbing; participation in a motorized race or motorized speed contest; your participation as a professional athlete in a sporting event;
20. Operating or learning to operate any aircraft, as pilot or crew; performing employment duties on any aircraft or ship; or performing duties in any regular armed forces service;
21. Expenses incurred if you travel to a country that The Department of Foreign Affairs and International Trade of the Canadian Government or Health Canada has advised Canadians not to travel to during the time of your trip. This exclusion applies if the advisory is issued prior to your departure date;
22. War (declared or not), acts of foreign enemies or rebellion;
23. Interest on a payment or reimbursement.
24. Any medical condition, if prior to your start date, such medical condition renders you ineligible. You must be and remain eligible under this policy at your start date and continuously until you take a trip for coverage to come into and be in effect when you take a trip; or
25. Expenses incurred due to an accidental blow to the mouth or to relieve dental pain.

VIII. CLAIM PROCEDURES AND CUSTOMER SERVICE INQUIRIES

By paying the premium for this insurance, you agree that:

1. We may verify your health card number and other information required to process your claim, with government and other authorities;
2. Physicians, hospitals and other medical providers are authorized by you to provide to us any and all information they have regarding you, while under observation or treatment, including your medical history, diagnoses and test results; and
3. We may disclose the information available under 1) and 2) above and from other sources to such other persons, as may be required for the purposes of providing assistance about or processing your claim for benefits.

If making a claim, you must notify us as soon as possible in order for us to provide you with a claim form specific to your loss. Failure to do this could invalidate your claim. You have 90 days from your return date to file your claim with us. To report a claim or to request a claim form call 1-866-878-0191. Failure to complete the required claim and authorization form in full will delay the processing of and could invalidate your claim. All claim information should be sent to us at:

To Claim For Emergency Medical Benefits:

You must notify us at 1-866-878-0192 or collect at 416-646-3723 prior to any emergency medical treatment and prior to any surgery, invasive procedure or hospitalization. Our assistance coordinators will provide guidance. We will make every effort, although we cannot guarantee, to pay providers directly. You must provide us with receipts for incurred expenses including those for subsistence allowance expenses.

IX. DEFINITIONS

We attach very specific meanings to the following words when they appear in this policy. We have put these words in italics when they are used as a defined term.
Accident/accidental: A sudden, unexpected, unintended, unforeseeable, external event, occurring during an insured trip, that independently of any other cause, results in injury (or damage, if the context relates to property loss or damage).
Application: Computer printout, printed form, invoice, or document in either electronic or paper form which is a record of the personal and trip information you provided in order to obtain the policy.
Confirmation of insurance: Your most recent computer printout, printed form, electronic copy, invoice, or policy document that sets out the plan you have purchased and any optional add on coverage, if any, you have chosen.
Contamination: The act or process of rendering something harmful or unsuitable to people by nuclear and/or chemical and/or biological substances causing illness, injury and/or death.
Departure date: The date on which you are scheduled to leave your home province on a trip.
Departure point: The city that you depart from your home province on the first day of your trip.
Dependent child and/or dependent children: Unmarried persons who are your natural, adopted or step children, dependent on you for support and care and who are travelling on the same itinerary as you are AND i) under 21 years of age; OR ii) full time students under 26 years of age; OR iii) mentally or physically incapable of self support.
Effective Date: The date you leave your home province on a trip.
Emergency: An unforeseen occurrence of, symptoms of sickness, or of injury, that occurs during a trip, which requires immediate treatment from a physician or that requires hospitalization, failing which there could be a serious impairment to your health.
Emergency medical treatment: Medically necessary services or supplies provided during a trip by a licensed physician, hospital or other licensed provider, that are required to treat any injury or sickness or other sudden, acute and unexpected condition that arose during the trip, and that cannot be reasonably delayed until you return to your home province without endangering your health.
Expected medical treatment: Medical consultation or hospitalization that your prior medical history indicates as being probable or certain to occur.
Expiry date: The first to occur of:

• The date you return to your home province; or
• The return date as shown on your most recent confirmation of insurance; unless there has been an Automatic Extension of Coverage, in which case the expiry date is the first to occur of:
  • The date you return to your home province; or
  • The end of any extension of coverage determined in accordance with the Automatic Extension of Coverage Section of this policy.

Follow-up treatment: Treatment that continues beyond the initial emergency.
Government health insurance plan or GHIP: Health insurance coverage that Canadian provincial or territorial governments provide for their residents.
Home province: Your Canadian province or territory of residence.
Hospital: A medical facility which is legally accredited to provide medical, diagnostic and surgical treatment to in-patients during the acute phase of their sickness or injury, which is primarily engaged in the aforesaid activities and which operates under the supervision of a staff of physicians and has a registered nurse continuously on duty. A hospital does not mean an institution licensed as a home for the aged, rest home, nursing home, convalescent hospital, health spa, rehabilitation centre or treatment facility for drug or alcohol abuse and/or addiction.
Hospitalization or hospitalized: The state of being admitted to a hospital and receiving emergency medical treatment on an inpatient basis.
Immediate family member: Any one or more of your spouse, natural, step, or adopted children, persons for whom you are the legal guardian, parents, parents-in-law, step-parents, sisters, brothers, sisters/brothers-in-law, step-sisters/brothers, grandparents, grandchildren, aunts, uncles, nieces, and nephews.
Injury: A bodily injury sustained during a trip, which is caused, directly and independently of all other causes, by an accident.
Insured: The person named as the 'primary traveller' and/or one or more other person(s), if any, named as 'other travellers' on the confirmation of insurance, each as the context requires.
Insurer: AIG Commercial Insurance Company of Canada.
Medical condition: An injury or sickness, including but not limited to disease, acute psychoses, and complications of pregnancy occurring within the first 31 weeks.
Medical consultation: Any investigative medical service, including history-taking, examination, testing, advice, or treatment by a physician for a symptom, sickness, illness, or disease that may or may not have been definitively diagnosed.
Mental or emotional disorders: Emotional or anxiety states, situational crisis, anxiety or panic attacks, or other mental health disorders treated with tranquilizers or anxiolytic drugs.
Mountain climbing: The ascent or descent of a mountain requiring the use of specialized equipment, including but not limited to pick-axes, anchors, bolts, crampons, carabiners, and lead or top-rope anchoring equipment.
Physician: A medical doctor, other than yourself, your immediate family member, your travel companion or their immediate family member, who is licensed to administer medical treatment and prescribe drugs in the place where he or she provides medical services. The following are not considered to be physicians: naturopath, herbalist, and homeopath.
Policy or policies: This document, any riders or endorsements to this document, the application, the medical questionnaire if applicable, and the confirmation of insurance all of which form the entire contract.
Policy purchase date: The date you pay for specific insurance coverage.
Premium: The cost of your Essential Medical Plan plus any additional amounts required for any optional coverage you have purchased.
Prescription medication: A drug, medicine or medication only obtainable by the prescription of a licensed physician or dentist due to a medical emergency, and dispensed by a licensed pharmacist.
Provider: The hospitals, clinics, physicians, and other medical service providers, the use of which must be approved by us at the time of the emergency.
Recurrence: The appearance of symptoms caused by or related to a medical condition that was previously diagnosed by a physician or for which treatment was previously received.
Return date: Either the date of your scheduled return to your departure point as indicated on your most recent confirmation of insurance or the date of your actual return to your home province.
Sickness: An acute illness or unforeseen disease requiring emergency medical treatment or hospitalization due to the sudden onset of symptoms.
Spouse: The person legally married to you, or if there is no such person, the person who has been living with you in a conjugal relationship for at least one year.
Stable and controlled: Any medical condition for which there has been no new treatment or newly prescribed medication; no change in treatment or change in prescribed medication; no new, more frequent or more severe symptom; no test results showing deterioration; no investigations initiated for symptoms whether or not your diagnosis has been determined; no hospitalization and no referral to a specialist.
Start date: The date shown on your most recent confirmation of insurance as the "start date".
Subsistence allowance: Expenses incurred as a result of your emergency, including accommodation, meals, and essential telephone calls.
Travel companion: The person with whom you are sharing travel arrangements and prepaid accommodation (to a maximum of 3 people) in respect of a trip.
Treatment: A medical, therapeutic or diagnostic procedure prescribed, performed or recommended by a licensed physician, including but not limited to prescription medication, investigative testing, and surgery.
Trip: Your travel outside your home province for which coverage under this policy has been purchased and is in effect.
We, us, our: Means AIG Commercial Insurance Company of Canada.
You, yourself, your: The person named as the 'primary traveller' and/or one or more other person(s), if any, named as 'other travellers' on the confirmation of insurance, each as the context requires.