AIG Travel Guard
Gold Medical Annual

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 and Dental Coverage is subject to an aggregate limit of $10 million CAD if you are 60 years of age or older. If you are under 60 years of age on your policy purchase date, there is no such limit.
7. There are limits, limitations and exclusions that apply to all insured persons.
8. The coverage provided by this policy shall be null and void for travel in, to, or through Cuba, because such travel is not serviced and supported by the Insurer's United States affiliates.
9. 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 is part of your contract of insurance as is this document and any medical questionnaire (if applicable). 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.

I. UNDERSTANDING THE INSURANCE OPTION THAT YOU HAVE CHOSEN
There are several plans available to you. These plans can also be purchased together in packages. This following section outlines the plans and packages that are available for purchase to provide coverage for a trip.

What coverage did you select?	Emergency Medical Benefits, Section III	Trip Cancellation and Interruption Benefits, Section IV	Flight Accident Benefits, Section V	Travel Accident Benefits, Section V	Baggage and Personal Effects Benefits, Section VI	Rental Car Collision Damage Protection Benefits, Section VII	Additional Services - Concierge and Livetravel	Single Trip Option	Annual Option
Packages
Deluxe All Inclusive Package	Yes	Yes	Yes	Yes	Yes		Yes	Yes*	Yes**
Medically Qualified Deluxe All Inclusive Package	Yes	Yes	Yes	Yes	Yes		Yes	Yes*	Yes**
Canada Package	Yes	Yes	Yes	Yes	Yes		Yes	Yes*
Deluxe Trip Cancellation and Interruption Package		Yes	Yes	Yes	Yes		Yes	Yes
Plans
Medical Plan	Yes						Yes	Yes	Yes**
Medically Qualified Medical Plan	Yes						Yes	Yes	Yes**
Trip Cancellation and Interruption Plan		Yes					Yes	Yes
Flight Guard			Yes				Yes	Yes
Baggage Plan					Yes		Yes	Yes
Collision Damage Protection Plan						Yes	Yes	Yes

*Single trip option includes Change of Mind^TMcoverage on the Deluxe All Inclusive Package single trip option, Medically Qualified Deluxe All Inclusive Package single trip option and the Canada Package.

**Annual option includes Legal Assistance.

II. SPECIFIC DETAILS OF YOUR INSURANCE

AM I ELIGIBLE?
Package coverage
Deluxe All Inclusive Package
To be eligible for this coverage you must:
1. have purchased prior to or on the same day as your start date;
2. have purchased prior to your departure date and for the single trip option, have purchased not more than 18 months prior to your departure;
3. have purchased coverage from us for the full duration of your trip;
4. for the single trip option, have purchased coverage from us for the full value of your non-refundable prepaid travel arrangements;
5. have correctly answered a medical questionnaire if your non-refundable prepaid travel arrangements exceed $12,000;
6. be covered under your government health insurance plan for the full duration of your trip;
7. be under 75 years of age at the time the package is purchased if you select the single trip option and be;
a. travelling for a maximum of 183 days if you are under 60 years of age, or
b. travelling for a maximum of 60 days if you are 60 years of age or older and under 75 years of age; and
8. be under 60 years of age at the time the package is purchased if you select the annual option.

Medically Qualified Deluxe All Inclusive Package
To be eligible for this coverage you must:
1. have purchased prior to or on the same day as your start date;
2. have purchased prior to your departure date and for the single trip option, have purchased not more than 18 months prior to your departure;
3. have purchased coverage from us for the full duration of your trip;
4. for the single trip option, have purchased coverage from us for the full value of your non-refundable prepaid travel arrangements;
5. be covered under your government health insurance plan for the full duration of your trip;
6. be travelling for a maximum of 60 days and be:
a. 75 years of age or older and have satisfied our requirements based on the answers you have provided on a medical questionnaire and chosen the single trip option; or
b. 75 years of age or older and under 85 years of age and have chosen not to answer a medical questionnaire and chosen the single trip option and have paid the premium from Rate Chart 5; and
7. be 60 years of age or older and have satisfied our requirements based on the answers you have provided on a medical questionnaire if you have chosen the annual option.

Canada Package
To be eligible for this coverage you must:
1. have purchased prior to or on the same day as your start date;
2. have purchased prior to your departure date but not more than 18 months prior to your departure;
3. have purchased coverage from us for the full duration of your trip;
4. have purchased coverage from us for the full value of your non-refundable prepaid travel arrangements;
5. have satisfied our requirements based on the answers you have provided on a medical questionnaire if your non-refundable prepaid travel arrangements exceed $12,000;
6. be covered under your government health insurance plan for the full duration of your trip;
7. be travelling within Canada for the entire duration of your trip and some or all of that travel must be outside of your province or territory of residence;
8. be under 85 years of age at the time the package is purchased; and
9. be travelling for a maximum of 183 days.

Deluxe Trip Cancellation and Interruption Package
To be eligible for this coverage you must:
1. have purchased prior to or on the same day as your start date;
2. have purchased prior to your departure date but not more than 18 months prior to your departure;
3. have purchased coverage from us for the full duration of your trip;
4. have purchased coverage from us for the full value of your non-refundable prepaid travel arrangements;
5. have satisfied our requirements based on the answers you have provided on a medical questionnaire if your non-refundable prepaid travel arrangements exceed $12,000;
6. be under 85 years of age at the time the package is purchased; and
7. be travelling for a maximum of 183 days.

Plan coverage
Medical Plan
To be eligible for this coverage you must:
1. have purchased prior to or on the same day as your start date;
2. have purchased prior to your departure but not more than 365 days prior to your departure;
3. have purchased coverage for the full duration of your trip;
4. be covered under your government health insurance plan for the full duration of your trip;
5. be a Canadian resident at the time the plan is purchased and remain a Canadian resident for the full duration of your trip;
6. be under 60 years of age at the time the plan is purchased; and
7. be travelling for a maximum of 183 days.

Medically Qualified Medical Plan
To be eligible for this coverage you must:
1. have purchased prior to or on the same day as your start date;
2. have purchased prior to your departure and for the single trip option, have purchased not more than 150 days prior to your departure;
3. have purchased coverage from us for the full duration of your trip;
4. be covered under your government health insurance plan for the full duration of your trip;
5. be a Canadian resident at the time the plan is purchased and remain a Canadian resident for the full duration of your trip;
6. be 60 years of age or older and;
a. under 75 years of age and travelling for less than 16 days and chosen not to complete a medical questionnaire and have paid the premium from rate chart 3;
b. under 75 years of age and travelling for 16 days or greater but less than 76 days and chosen not to complete a medical questionnaire and have paid the premium from rate chart 4; or
c. have satisfied our requirements based on the answers you have provided on a medical questionnaire and be travelling for a maximum of 183 days.

Trip Cancellation and Interruption Plan
To be eligible for this coverage you must:
1. have purchased prior to or on the same day as your start date;
2. have purchased prior to your departure date but not more than 365 days prior to your departure;
3. have purchased coverage for the full value of your non-refundable prepaid travel arrangements; and
4. be travelling for a maximum of 183 days.

Flight Guard Plan
To be eligible for this coverage you must:
1. have purchased prior to or on the same day as your start date;
2. have purchased prior to your departure but not more than 365 days prior to your departure; and
3. be travelling for a maximum of 365 days.

Baggage Plan
To be eligible for this coverage you must:
1. have purchased prior to or on the same day as your start date;
2. have purchased prior to your departure but not more than 365 days prior to your departure; and
3. be travelling for a maximum of 183 days.

Collision Damage Protection Plan
To be eligible for this coverage you must:
1. have purchased prior to or on the same day as your start date;
2. have purchased prior to your departure date but not more than 365 days prior to your departure;
3. be a Canadian resident at the time the plan is purchased and remain a Canadian resident for the full duration of your trip;
4. have purchased the insurance from us for the full duration of your car rental; and
5. be renting the vehicle for a maximum of 60 days.

WHAT OPTIONS ARE AVAILABLE?

Single trip option
The single trip option is available for all packages and plans. For the Medical Plan and the Medically Qualified Medical Plan, coverage is available for those under age 75 at our discretion if you are travelling for more than 183 days and have government health insurance plan coverage for the full duration of your trip. In these circumstances, if you are 40 years of age or older and under the age of 75 then you must satisfy our requirements based on the answers you have provided on a medical questionnaire. If you are under 40 years of age then no medical questionnaire is required.

Annual option
Annual Package coverage
This option is available if you purchased the Deluxe All Inclusive Package or the Medically Qualified Deluxe All Inclusive Package. Coverage is limited to an eligible person who is travelling for any number of trips that do not exceed their selected trip duration. Benefit limits are per insured per each trip, unless otherwise indicated. If your trip is longer than your selected trip duration then you must top-up your coverage with us. If you do not top-up then you will not have coverage for any claim during any portion of your trip regardless of when the cause for claim arises. You have the option to have the policy start date be the date of purchase or any date into the future up to a maximum of 120 days.

Annual Medical Plan coverage
This option is available if you purchased the Medical Plan or the Medically Qualified Medical Plan. Coverage is limited to an eligible person who is travelling outside of their home country for any number of trips that do not exceed their selected trip duration. Benefit limits are per insured per each trip, unless otherwise indicated. If your trip outside Canada is longer than your selected trip duration then you must top-up your coverage with us. If you do not top-up then you will not have coverage for any claim during your trip regardless of when the cause for claim arises. Coverage is provided for trips of any length within Canada but outside of your home province regardless of the selected trip duration. You have the option to have the policy start date be the date of purchase or any date into the future up to a maximum of 120 days.

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;
2. You have paid the required premium on or before your start date;
3. If applicable, you have truthfully and fully completed and submitted a medical questionnaire and satisfied our requirements based on the answers you have provided.

WHEN DOES MY INSURANCE START AND END?
If you have selected a single trip plan or package, this policy comes into effect on your start date and ends the earliest of:
1. the day indicated as your return date on your application for insurance;
2. the day you return to your home province to end your trip;
3. the day you have cause to file a trip cancellation claim;
4. for Collision Damage Protection, the date and time the rental agency reassumes control of the rental car or the date and time the rental contract expires if you are covered under Collision Damage Protection.

If you have selected the annual option for your plan or package, this policy comes into effect on your start date and ends on your end date.

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 and you are covered under a single trip option, 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.

Top-Up of Coverage
If you selected the annual option and choose to extend your trip, beyond your selected trip duration you must top-up your coverage with us for coverage to be in force during any portion of your trip. We will issue a new policy document for that period of time. Call 1-866-878-0191 or collect at 416-646-3723 before your expiry date.

If you are topping-up a different insurer's annual plan with us then you must purchase top-up prior to your departure and you must choose a single trip plan.

CAN MY PREMIUM BE REFUNDED?
Refunds are available up to your start date or if you have a minimum of three (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. Refunds will also be issued if a supplier cancels or alters service and all of your non-refundable prepaid travel arrangements insured by us are refunded without penalty.

• Medical Plan;
• Medically Qualified Medical Plan;
• Deluxe All Inclusive Package;
• Medically Qualified Deluxe All Inclusive Package
• Canada Package.

If you purchased any other plan or package you do not have Emergency Medical coverage.

A. Benefits -
Emergency Medical and Dental Coverage
If you incur expenses due to a covered risk, on or after your effective 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.

Emergency Medical Coverage for Injury and Sickness
Covered Risk 1: 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:
a. The cost of care received from a physician in or out of a hospital;
b. The cost of a hospital room;
c. The cost of rental or purchase (whichever is less) of a hospital bed;
d. The cost of wheelchair, brace, crutch or other medical appliance;
e. The cost of tests that are needed to diagnose your condition;
f. The cost of prescription medication; and
g. The services of a licensed private duty nurse while you are hospitalized.
Benefit Limit: $10,000,000.00 per insured if you are 60 years of age or older. If you are under 60 years of age on your policy purchase date, there is no such limit.
2. Ambulance:
We cover:
a. The cost of local ground ambulance service to a medical service provider if medically required; or
b. 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:
a. The extra cost of an economy or charter class fare;
b. A stretcher fare on a commercial flight or charter;
c. 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;
d. The cost of air ambulance transportation, pre-approved and arranged by us; and
e. One travel companion's extra fare to accompany you, if medically necessary and directed by a physician.
4. Return of Your Vehicle:
If you are unable to drive your vehicle to your original departure point, we cover the reasonable costs to return your vehicle to your residence. If you used a rental car during your trip, we will cover the cost of its return to the rental agency excluding the rental cost. No benefit is available for commercial vehicles. Arrangements must be pre-authorized by us in advance.
5. Bedside Companion Travel and Subsistence:
If you are travelling alone and are admitted to a hospital for three days or more, we cover, until you are medically fit to return to your home province:
a. The economy/charter class fare via the most cost-effective itinerary for the round-trip flight for someone to be with you;
b. A subsistence allowance for such person's hotel and meals (receipts must be submitted for all eligible expenses including these ones) up to the benefit limit;
c. Coverage for such person under this policy, subject to all of its terms, conditions, limitations and exclusions. For an insured who is a dependent child or if you are mentally or physically disabled, a bedside companion is available immediately upon hospital admission.
Benefit Limit: Subsistence allowance - $500 per insured.
6. Return of Dependent Children Under Your Care:
If you are hospitalized for more than 24 hours while on a trip or if while on a trip you must return to your home province because of a medical condition validated by a physician, we cover:
a. The extra cost via the most cost-effective itinerary for your dependent children to be transported to their departure point; and
b. The return airfare of a qualified escort when the airline requires it. The dependent children must have been travelling with you and under your care during your trip and they must be covered under this policy.
7. Return to Your Trip Destination:
If you must return to your departure point to receive immediate medical attention, provided your attending physician in your home province then determines that you require no further medical attention for your medical condition, after your return, we cover:
a. The cost of a one-way economy air fare on a commercial flight or charter via the most cost effective itinerary to transport you to your scheduled trip destination. Please note: This benefit must be pre-authorized by us in advance and can only be used once during a scheduled trip. Once you return to your trip destination, a recurrence of the medical condition which necessitated your return to your home province or any related condition or complication will not be covered under this policy. When this benefit has been used your effective date under this policy then becomes the day you leave your departure point to return to your trip destination.
8. Return of Remains:
If you die during your trip we cover reasonable expenses incurred for any one of the following:
a. 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;
b. 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
c. 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:
d. 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;
e. 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
f. 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 three business days.
Benefit Limit: Subsistence allowance - $500 per deceased insured.
9. Meals and Accommodation (medical):
If a medical emergency prevents you or your travel companion from returning to your departure point of your insured trip or if your emergency medical treatment or that of your travel companion requires your transfer to a location that is different from your original destination or you or your travel companion are delayed beyond your scheduled return date in order to obtain emergency medical treatment, we cover:
1. A subsistence allowance for your commercial accommodations and meals, essential telephone calls and taxi fares, up to a daily maximum of $350, to a maximum of $3,500 if you are covered by a package, or up to a daily maximum of $175, to a maximum of $1,750 if you are covered by a plan (receipts must be submitted for all eligible expenses including these ones).
10. Emergency Professional Services:
We cover:
a. 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: $300 per profession per insured.
11. Hospital Allowance:
We cover:
a. Expenses for your incidental hospital expenses (telephone calls, television rental) while you are hospitalized for at least 48 hours. We cover these expenses up to the benefit limit.
Benefit Limit: up to $75 per day to a maximum of $750 (10 days) per insured.
12. Return of Travel Companion:
If you must return to your home province because of a covered medical condition and if you are travelling with a travel companion, we cover the travel companion for:
a. The extra cost of a one-way economy air fare on a commercial flight or charter via the most cost effective itinerary to return your travel companion to his or her departure point.
13. Pet Return:
If your domestic dog(s) or cat(s) travels with you during your trip and you must return to your home province or departure point because of a covered medical condition we cover:
a. The cost of one-way transportation of your domestic dog(s) or cat(s) to your departure point up to the benefit limit.
Please note: Arrangements must be pre-authorized by us in advance.
Benefit Limit: $1,000 per insured.

Emergency Dental Coverage for Injury and Sickness
Covered Risk 2: Expenses incurred as a consequence of the unforeseen occurrence of symptoms of sickness or injury occurring on a trip resulting in the necessity of immediate treatment by a licensed registered dentist, physician or hospital.
Benefits for Covered Risk 2:
1. Emergency Dental Treatment:
We cover:
a. Expenses you incur during your trip for care ordered, prescribed or received from a licensed dentist if you need emergency dental treatment to repair or replace your natural or permanently attached artificial teeth because of an accidental blow occurring on a trip to your face or mouth; and expenses for continuing care after you return to your home province and completed within 180 days of your return, up to the benefit limit;
OR
Expenses you incur during your trip, up to the benefit limit, for emergency dental treatment required because of an emergency due to a cause other than an accidental blow to your face or mouth; and
b. Expenses you incur for prescription medication as a result of such emergency.
Benefit Limit: Continuing care for an accidental blow to the face or mouth - $1,500 per insured; emergency dental treatment other cause (no continuing care) - $600 per insured.

B. Conditions -
Emergency Medical and Dental 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 or emergency dental treatment as set out in Section III, A:
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 or UHIP 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 or UHIP. If you do not have GHIP or UHIP for the full duration of your trip, your aggregate limit for all Emergency Medical Benefits will be $40,000;
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 this Emergency Medical and Dental Coverage is limited as follows.
1. If you have chosen the Medically Qualified Medical Plan and:
a. you have qualified for Rate 1, Rate 2, Rate 3, or Rate 4, then you are responsible for the deductible limit that you have chosen on your application;
b. you have qualified for Rate 5, then you are responsible for a $200 USD deductible.
2. 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.
3. 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.

Annual Option Medical Exclusion Identifier Chart
The following table illustrates what medical exclusion applies to each plan or package if you selected the annual option:

IV.TRIP CANCELLATION, INTERRUPTION AND DELAY COVERAGE
Trip cancellation, interruption and delay insurance applies to you if you purchased any of the following plans or packages:

• Trip Cancellation and Interruption Plan;
• Deluxe All Inclusive Package;
• Medically Qualified Deluxe All Inclusive Package;
• Canada Package;
• Deluxe Trip Cancellation and Interruption Package.

If you purchased any other plan or package you do not have trip cancellation, interruption and delay insurance coverage under this policy.

A. Benefits -
Trip Cancellation, Interruption and Delay Coverage
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.

Trip Cancellation
Covered Risks 1 to 12: You are covered for losses incurred in the event of trip cancellation due to any one or more of the following covered risks if occurring on or after your start date and on or before the date your insurance ends and providing that you have insured the full value of your non-refundable prepaid travel arrangements and that amount is greater than zero.
Covered Risk 1. Medical Conditions and Death
a. One or more of the following persons develops an emergency medical condition or dies:
1. You or your travel companion;
2. Your or your travel companion's immediate family member;
3. Your or your travel companion's caregiver;
4. Your or your travel companion's key employee;
or
5. Your or your travel companion's business partner;
OR;
b. Your friend dies,
OR;
c. The person whose overnight guest you will be during your trip is admitted to hospital following a medical emergency or dies following a medical emergency.
Covered Risk 2. Adoption and Pregnancy
a. You, your spouse, your travel companion or your travel companion's spouse:
1. becomes pregnant after you book your trip and your departure date falls in the 9 weeks before or after the expected delivery date;
2. legally adopts a dependent child and the date of the adoption falls during your trip;
OR;
b. any one of the following persons develops complications of pregnancy that falls within the first 31 weeks of pregnancy:
1. You or your travel companion;
2. You or your travel companion's immediate family member.
Covered Risk 3. Government Recommendations and Visas - Your or your travel companion's travel visa (not an immigration or employment visa) is not issued for a reason beyond your or your travel companion's control.
Covered Risk 4. Travel Advisory - A "defer travel" recommendation or a written formal notice is issued by the Department of Foreign Affairs and International Trade of the Canadian Government or Health Canada advising Canadians not to travel to a country, region or city specifically listed as a destination on the itinerary of your insured trip and such recommendation or written formal notice is issued after both your start date and the date you pay for prepaid travel arrangements.
Covered Risk 5. Employment and Occupation - You, your spouse, your travel companion or your travel companion's spouse loses a permanent job because of layoff or dismissal without just cause (not applicable to self-employed persons or contract work); or your employer, your spouse's employer or your travel companion's employer initiates a job transfer which necessitates relocation of your principal residence or that of your travel companion, as the case may be.
Covered Risk 6. Business Meeting - A business meeting, that was scheduled before you or your travel companion paid for prepaid travel arrangements, is cancelled due to a reason beyond your or your travel companion's or your or your travel companion's employer's control.
Covered Risk 7. Call to Service - You or your travel companion is called to service during your trip as a reservist, firefighter, or active military/police staff.
Covered Risk 8. Delays of Your Scheduled Carrier - Your or your travel companion's scheduled carrier is delayed by weather conditions, earthquakes, or volcanic eruptions for at least 30% of your scheduled trip duration and your travel companion does not continue his or her trip and you choose not to continue your trip.
Covered Risk 9. Principal Residence and Business Operations - You, your spouse, or your travel companion is unable to occupy such person's principal residence or to operate such person's business because of a natural disaster or unintentional act.
Covered Risk 10. Legal Commitment - You, your spouse or dependent child or your travel companion, your travel companion's spouse or dependent child is called to jury duty; is subpoenaed as a witness; or is required to be a defendant in a lawsuit.
Covered Risk 11. Quarantine or Hijacking - You, your spouse, your dependent child, your travel companion, or your travel companion's spouse or dependent child is quarantined or hijacked.
Benefits for Covered Risks 1 to 11: If you must cancel your trip due to the occurrence of one or more of Covered Risks 1 to 11, we cover:
1. Up to the non-refundable prepaid cost of unused travel arrangements provided you have insured the full value of the non-refundable cost of your trip. If you have prepaid shared accommodations and your travel companion(s) must cancel his or her trip due to the occurrence of one or more of the Covered Risks 1 to 11,
we cover:
2. The next occupancy charge when you elect to travel as originally planned.
Covered Risk 12. Cruise Cancellation - The cancellation of your cruise prior to your departure from your departure point, or after your departure from your departure point but prior to the departure of the cruise ship due to the mechanical failure, grounding, quarantine of the cruise ship or the repositioning of the cruise ship due to weather conditions, earthquakes, or volcanic eruptions.
Benefits for Covered Risk 12: If you must cancel your trip due to the occurrence of Covered Risk 12 and you have purchased a package, we cover the lesser of:
1. The change fee charged by the airline carrier(s) involved if a change is available to you; or
2. Up to $2,000 for your non-refundable prepaid airfare which was scheduled to join you to or depart you from your cruise or cruise related land arrangement, but which is not included in your cruise package.
Please note: This coverage is only available if you have purchased a package. There is no coverage for covered risk 12 if you have purchased a plan.

Trip Interruption
Covered Risks 13 to 25: You are covered for losses incurred in the event of trip interruption due to any one or more of the following covered risks if occurring on or after your effective date and on or before the date your insurance ends.

Covered Risk 13. Medical Conditions and Death
a. One or more of the following persons develops an emergency medical condition or dies:
1. You or your travel companion;
2. Your or your travel companion's immediate family member;
3. Your or your travel companion's caregiver;
4. Your or your travel companion's key employee;
or
5. Your or your travel companion's business partner;
OR;
b. Your friend dies,
OR;
c. The person whose overnight guest you will be during your trip is admitted to hospital following a medical emergency or dies following a medical emergency.
Benefits for Covered Risk 13
If you suffer trip interruption due to the occurrence of Covered Risk 13 (other than your death), we cover:
1. The non-refundable, unused trip arrangements for which you have already paid less your prepaid unused return transportation; AND
a. additional travel transportation expenses you incur via the most cost effective itinerary to return you to your departure point of the trip
OR
b. your economy class transportation via the most cost effective itinerary to your next destination;
OR
c. your economy class transportation via the most cost effective itinerary to rejoin your tour or group; and
2. A subsistence allowance for your commercial accommodations and meals, essential telephone calls and taxi fares, up to a daily maximum of $350, to a maximum of $700 if you are covered by a package, or up to a daily maximum of $175, to a maximum of $350 if you are covered by the Trip Cancellation and Interruption Plan (receipts must be submitted for all eligible expenses including these ones).
If you die while on your trip we cover:
1. The non-refundable unused portion of your prepaid travel arrangements; AND
a. 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; OR
b. 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
c. 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.

Covered Risk 14. Travel Advisory - A "defer travel" recommendation or a written formal notice is issued after your effective date by the Department of Foreign Affairs and International Trade of the Canadian Government or Health Canada advising Canadians not to travel to a country, region or city specifically listed as a destination on your itinerary of your insured trip.
Benefits for Covered Risk 14:
If you suffer trip interruption due to the occurrence of Covered Risk 14, we cover:
1. The non-refundable, unused trip arrangements for which you have already paid and additional travel transportation expenses via the most cost effective itinerary to return you to your departure point of the trip, less your prepaid unused return transportation; and
2. Your economy class transportation via the most cost effective itinerary to your next destination (in or outbound); and
3. A subsistence allowance for your commercial accommodations and meals, essential telephone calls and taxi fares, up to a daily maximum of $350, to a maximum of $700 if you are covered by a package, or up to a daily maximum of $175, to a maximum of $350 if you are covered by the Trip Cancellation and Interruption Plan (receipts must be submitted for all eligible expenses including these ones).

Covered Risk 15. Cruise Interruption - The interruption of your cruise due to the mechanical failure, grounding or quarantine of the cruise ship or the repositioning of the cruise ship due to weather conditions, earthquakes or volcanic eruptions.
Benefits for Covered Risk 15:
If your cruise is interrupted due to the occurrence of Covered Risk 15 and you have purchased a package, we cover the lesser of:
1. The change fee charged by the airline carrier(s) involved if a change is available to you; or
2. Up to a maximum of $2,000 for the extra cost of your one-way economy airfare on a commercial flight or charter via the most cost-effective itinerary to return you to your departure point.
Please note: This coverage is only available if you have purchased a package. There is no coverage for covered risk 15 if you have purchased a plan.

Covered Risk 16. Missed Connection - You miss your connection, due to a schedule change of the airline that is providing transportation for a portion of your trip.
Benefits for Covered Risk 16:
If your trip is interrupted due to the occurrence of Covered Risk 16 and you have purchased a package, we cover:
1. A subsistence allowance for your commercial accommodations and meals, essential telephone calls, and taxi fares, up to a daily maximum of $350, to a maximum of $700 (receipts must be submitted for all eligible expenses including these ones); and
The lesser of:
2. The change fee charged by the airline carrier(s) involved when such an option is available to you;
OR,
Up to $2,000 for the extra cost of your one-way economy airfare via the most cost effective itinerary to your next destination (in or outbound).
Please note: This coverage is only available if you have purchased a package. There is no coverage for covered risk 16 if you have purchased a plan.

Covered Risk 17. Pregnancy and Adoption - Any one of the following persons develops complications of pregnancy within the first 31 weeks of pregnancy while you are on a trip: (i) you; (ii) your immediate family member; (iii) your travel companion or his/her immediate family member; or the legal adoption by you or your travel companion when the actual adoption date is scheduled to take place during your trip.
Covered Risk 18. Employment and Occupation - You, your spouse, your travel companion or your travel companion's spouse loses a permanent job because of layoff or dismissal without just cause (not applicable to self-employed persons or contract work); or your employer, your spouse's employer or your travel companion's employer initiates a job transfer which necessitates relocation of your principal residence or that of your travel companion, as the case may be.
Covered Risk 19. Call to Service - You or your travel companion is called to service during your trip as a reservist, firefighter, or active military/police staff.
Covered Risk 20. Principal Residence and Business Operations - You or your travel companion is unable to occupy such person's principal residence or to operate such person's business because of a natural disaster or unintentional act.
Covered Risk 21. Legal Commitment - You, your spouse or dependent child or your travel companion, your travel companion's spouse or dependent child is called to jury duty; is subpoenaed as a witness; or is required to be a defendant in a lawsuit.
Covered Risk 22. Quarantine or Hijacking - You, your spouse, your dependent child, your travel companion, or your travel companion's spouse or dependent child is quarantined or hijacked.
Benefits for Covered Risks 17 to 22:
If you suffer trip interruption due to one or more of Covered Risks 17 to 22, occurring while you are on a trip, we cover:
1. The non-refundable, unused trip arrangements for which you have already paid and additional travel transportation expenses via the most cost effective itinerary to your departure point of the trip, less your prepaid unused return transportation; and
2. A subsistence allowance for your commercial accommodations and meals, essential telephone calls and taxi fares, up to a daily maximum of $350, to a maximum of $700 if you are covered by a package, or up to a daily maximum of $175, to a maximum of $350 if you are covered by the Trip Cancellation and Interruption Plan (receipts must be submitted for all eligible expenses including these ones).

Covered Risk 23. Delays of Your Scheduled Carrier - Your scheduled carrier is delayed by weather conditions, earthquakes, or volcanic eruptions for at least 30% of your trip and you or your travel companion choose not to continue with their journey.
Covered Risk 24. Transportation Delay - Delay of your private automobile or delay of your connecting carrier - you miss a connection or interrupt your trip because of the delay of a private automobile, your connecting passenger plane, ferry, cruise ship, bus, limousine, taxi, or train, when the delay is caused by the mechanical failure of the vehicle; weather; a traffic accident; an emergency; a police directed road closure or a volcanic eruption. Such transportation / connecting carrier must be scheduled to arrive at least two hours prior to your departure.
Benefits for Covered Risks 23 and 24:
If you suffer trip interruption due to one or more of Covered Risks 23 and 24, occurring while you are on a trip, we cover:
1. The non-refundable, unused trip arrangements for which you have already paid and additional travel transportation expenses via the most cost effective itinerary to return you to your next destination (in or outbound) of the insured trip, less your prepaid unused return transportation;
2. A subsistence allowance for your commercial accommodations and meals, essential telephone calls and taxi fares, up to a daily maximum of $350, to a maximum of $700 if you are covered by a package, or up to a daily maximum of $175, to a maximum of $350 if you are covered by the Trip Cancellation and Interruption Plan (receipts must be submitted for all eligible expenses including these ones).

Covered Risk 25. Delays of Your Travel Companion's Scheduled Carrier - Your travel companion's scheduled carrier is delayed by weather conditions, earthquakes, or volcanic eruptions for at least 30% of your trip and you choose to continue your trip.

Benefit for Covered Risk 25:
If your travel companion's trip is interrupted or cancelled due to Covered Risk 25, we cover:
1. The next occupancy charge applicable to you when you continue your trip.

Trip Delay
Covered Risks 26 to 29: You are covered for losses incurred in the event of trip delay beyond your scheduled return date due to any one or more of the following covered risks if occurring on or after your departure date and on or before the date your insurance ends.

Covered Risk 26. Medical Conditions and Death -
a. One or more of the following persons develops an emergency medical condition or dies:
1. You or your travel companion;
2. Your immediate family member;
OR;
b. Your friend who is at your destination dies.
Covered Risk 27. Pregnancy and Adoption - You, your immediate family member, your travel companion, or his/her immediate family member develops complications of a pregnancy that falls within the first 31 weeks of pregnancy while at your trip destination or complication of the legal adoption by you or your travel companion while on a trip for the purpose of completing such adoption.
Covered Risk 28. Transportation Delay - Delay of your private automobile or delay of your connecting carrier - you miss a connection or suffer a trip delay because of the delay of a private automobile, your connecting passenger plane, ferry, cruise ship, bus, limousine, taxi, or train, when the delay is caused by the mechanical failure of the vehicle; weather; a traffic accident; an emergency; a police directed road closure or a volcanic eruption. Such transportation / connecting carrier must be scheduled to arrive at least two hours prior to your departure.
Covered Risk 29. Quarantine or Hijacking - You, your spouse, your dependent child, your travel companion, or your travel companion's spouse or dependent child is quarantined or hijacked.
Benefits for Covered Risks 26 to 29:
If you suffer trip delay due to one or more of Covered Risks 26 to 29, we cover:
1. A subsistence allowance for your commercial accommodations and meals, essential telephone calls and taxi fares, up to a daily maximum of $350, to a maximum of $3,500 if you are covered by a package, or up to a daily maximum of $175, to a maximum of $1,750 if you are covered by the Trip Cancellation and Interruption Plan (receipts must be submitted for all eligible expenses including these ones); and
The lesser of:
2. The change fee charged by the airline carrier(s) involved when such an option is available to you;
OR,
the extra cost of your one-way economy airfare via the most cost effective itinerary to return you to your departure point.

Covered Risk 30. Missed Connection - You miss your connection, due to a schedule change of the airline that is providing transportation for your return.
Benefits for Covered Risk 30:
If your trip is delayed due to the occurrence of Covered Risk 30 and you have purchased a package, we cover:
1. A subsistence allowance for your commercial accommodations and meals, essential telephone calls, and taxi fares, up to a daily maximum of $350, to a maximum of $700 (receipts must be submitted for all eligible expenses including these ones); and
The lesser of:
2. The change fee charged by the airline carrier(s) involved when such an option is available to you;
OR,
Up to $2,000 for the extra cost of your one-way economy airfare via the most cost effective itinerary to your next destination (in or outbound).
Please note: This coverage is only available if you have purchased a package. There is no coverage for covered risk 30 if you have purchased a plan.

B. Conditions -
Trip Cancellation, Interruption and Delay 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 under this Trip Cancellation, Interruption and Delay Coverage as set out in Section IV, A.
1. You must notify us immediately and no later than the business day following the day when you become aware of a trip cancellation, trip interruption or trip delay situation.
2. You must cancel your trip booking immediately.

C. Limitations -
Trip Cancellation, Interruption and Delay Coverage - Annual Option
Our liability under this policy for expenses under this Trip Cancellation, Interruption and Delay Coverage is limited as follows.
1. If you have chosen the Deluxe All Inclusive Package or the Medically Qualified Deluxe All Inclusive Package and have selected the annual option then:
a. Coverage for your trip cancellation benefit is limited to $1,500 per insured per trip; and
b. Coverage for your trip cancellation benefit is limited to $10,000 per insured per policy.

D. Exclusions -
Trip Cancellation, Interruption and Delay Coverage
These exclusions apply to the Trip Cancellation, Interruption and Delay Coverage set out in Section IV, A. The additional exclusions set out in the General Exclusions Section of this policy also apply. We do not cover or pay any benefit for any loss or expense related in whole or in part, directly or indirectly, to any of the following.
1. Any cause if you or your travel companion have knowledge at the time of booking each trip or purchasing your insurance of any reason why the trip might be cancelled, interrupted or delayed.
2. Any such condition if at any time in the 90-day period immediately preceding your risk date:
a. Your or your spouse's medical condition or any related condition has not been stable and controlled;
b. Your or your spouse's heart condition has required you or your spouse to use, take, or be prescribed to take nitroglycerin in any form, more than once per a seven day period; or
c. Your or your spouse's lung condition has required the use of home oxygen or has required you or your spouse to take oral steroids (prednisone or prednisolone).
3. The change in schedule of a medical test or surgery that was originally scheduled before your trip.
4. Travel for the purpose of visiting a person suffering from a medical condition and the medical condition (or ensuing death) of that person is the cause of cancellation, interruption or delay of your trip.
5. A travel visa that is not issued due to a late application or that has been previously refused.
6. Default of a travel supplier for travel services purchased from any travel supplier listed on our alert list on either your policy start date or your trip purchase date.
7. A defer travel recommendation issued, by the Department of Foreign Affairs and International Trade of the Canadian Government or Health Canada, before either your policy start date or your trip purchase date.
8. Any such condition if the non-refundable portion of your prepaid travel arrangements covered by this policy exceeds $12,000 and if at any time in the 90- day period immediately preceding your risk date:
a. Your immediate family member's or your travel companion's medical condition or any related condition has not been stable and controlled;
b. Your immediate family member's or your travel companion's heart condition has required them to use, take, or be prescribed to take nitroglycerin in any form, more than once per a seven day period; or
c. Your immediate family member's or your travel companion's lung condition has required the use of home oxygen or has required them to take oral steroids (prednisone or prednisolone).
9. Any such condition if the non-refundable portion of your prepaid travel arrangements covered by this policy exceeds $12,000 and your confirmation of insurance indicates this exclusion applies and 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 risk date and this exclusion applies whether or not the condition has been stable and controlled.

V. FLIGHT ACCIDENT AND TRAVEL ACCIDENT COVERAGE
Flight accident insurance applies to you if you purchased:

• Flight Guard Plan.

Flight accident and travel accident coverage applies to you if you purchased any of the following plans or packages:

• Deluxe All Inclusive Package;
• Medically Qualified Deluxe All Inclusive Package;
• Canada Package;
• Deluxe Trip Cancellation and Interruption Package.

A. Benefits -
Flight Accident and Travel Accident Coverage
You are covered in the event of a flight accident or a travel accident sustained during a trip due to one of the following covered risks for accidental death or accidental bodily injury for the benefits set out below to a maximum benefit of:

• Flight Accident Maximum Benefit is $100,000;
• Travel Accident Maximum Benefit is $50,000.

Covered Risk 1
Bodily injury is sustained due to a flight accident or a travel accident (as described in Section V, B) occurring on or after the date your insurance starts and on or before the date your insurance ends and while you are on a trip and as a result, within the 12 months immediately following the accident you:
1. Die;
2. Suffer loss of sight in both eyes;
3. Have two of your limbs fully severed above your wrist or ankle joints; or
4. Suffer complete and irrecoverable loss of speech or loss of hearing.
Benefits for Covered Risk 1:
In the event of the occurrence of Covered Risk 1, we pay a benefit equal to 100% of the applicable Flight or Travel Accident Maximum Benefit Amount for such bodily injury.
Please note: If your body is not found within 12 months of the accident, we will presume that you died as a result of your injuries.

Covered Risk 2
Bodily injury is sustained due to a flight accident or travel accident (as described in Section V, B) occurring on or after the date your insurance starts and on or before the date your insurance ends and while you are on a trip and as a result, within the 12 months immediately following the accident, you:
1. Suffer loss of sight in one eye; or
2. Have one of your limbs fully severed above a wrist or ankle joint.
Benefits for Covered Risk 2:
In the event of the occurrence of Covered Risk 2, we pay a benefit of 50% of the applicable Flight Accident or Travel Accident Maximum Benefit Amount for such bodily injury.
Benefit Limit for Covered Risk 1 and Covered Risk 2: If you have more than one accidental bodily injury while covered, we will pay no more than $100,000 in total.

B. Conditions -
Flight Accident and Travel Accident 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 under this Flight Accident and Travel Accident Coverage.
1. Flight Accident: This flight accident benefit, as described in the Benefits for Covered Risk 1 and Benefits for Covered Risk 2 above, applies only to an accidental bodily injury sustained by you while riding as a passenger (but not as a pilot, operator, or member of the crew) in, on, boarding, or alighting from any passenger plane having a current and valid airworthiness certificate. We will also provide coverage for the following:
a. When you are a passenger in a land or water conveyance, that an airline provides at their expense, as a substitute for a passenger plane on which this policy would have covered you;
b. When you are a passenger in a limousine or bus provided by the airline or airport authority;
c. When you are at an airport prior to boarding or after deplaning a flight covered by this policy;
d. When you are travelling to or from airports in a scheduled helicopter flight to make a connection with a flight covered by this insurance; or
e. When you are a passenger on a covered flight that is forced to land or disappears, and you are exposed to the elements.
2. Travel Accident: This travel accident benefit, as described in the Benefits for Covered Risk 1 and Benefits for Covered Risk 2 above, applies only to an accidental bodily injury sustained by you during a trip when the flight accident coverage does not apply.

C. Exclusions -
Flight Accident and Travel Accident Coverage
These exclusions apply to the Flight Accident and Travel Accident Coverage set out in Section V, A. The additional exclusions set out in the General Exclusions Section of this policy also apply. We do not cover any claim related in whole or in part, directly or indirectly, to:
1. A disease, even if the proximate cause of its activation or reactivation is the accidental bodily injury; or
2. Hang-gliding, parachuting, bungee jumping or skydiving.

VI. BAGGAGE AND PERSONAL EFFECTS COVERAGE
Baggage and Personal Effects insurance applies to you if you purchased any of the following plans or packages:

• Baggage Plan;
• Deluxe All Inclusive Package;
• Medically Qualified Deluxe All Inclusive Package;
• Canada Package;
• Deluxe Trip Cancellation and Interruption Package.

If you purchased any other plan or package you do not have baggage and personal effects insurance coverage under this policy.

A. Benefits -
Baggage and Personal Effects Coverage
If you incur a loss due to a covered risk while on a trip, we provide coverage for the following covered benefits, subject to any specific limits set out in the benefit provisions.

Covered Risk 1. Baggage Loss: Loss or damage to the baggage and personal effects that you own and use during your trip.
Benefits for Covered Risk 1:
We cover up to $500 to replace a single article (including its attachments, accessories and equipment, matched pair or set, or group of related articles), up to a maximum of $1,000 if you have purchased a package coverage, or up to a maximum of the sum insured that you selected on your application if you have purchased the Baggage Plan.

Covered Risk 2. Lost Documents: Loss of your passport, driver's license, birth certificate, or travel visa.
Benefits for Covered Risk 2:
We cover up to $200 towards the replacement of one or more of these documents.

Covered Risk 3. Baggage Delay: A delay of delivery of checked baggage of 12 hours or more by an airline or ground carrier on which you travelled while on a trip.
Benefits for Covered Risk 3:
We cover up to $400 for replacement of necessary personal effects.

B. Conditions- Baggage and Personal Effects 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 under this Baggage and Personal Effects Coverage as set out in Section VI, A.
1. Benefits are payable only after you have exhausted recovery or reimbursement benefits available from any other insurance or coverage.
2. We will pay this benefit up to the applicable limit after making proper allowance for wear and tear or depreciation for the loss of, damage to and delay of the baggage and personal effects that you own and that you use during your trip. In the event of theft, burglary, robbery, malicious mischief, disappearance or loss of an item covered under this benefit, you must obtain written documented evidence from the police immediately or, if the police are unavailable, the hotel manager, tour guide, or transportation authorities.
3. You must take all precautions to protect, save or recover the property immediately and advise us as soon as possible.
4. We reserve the option to repair or replace your property with another of a similar kind, quality, and value and to ask you to submit damaged items for appraisal.

C. Limitations - Baggage and Personal Effects Coverage
Our liability under this policy for expenses under this Baggage and Personal Effects Coverage is limited to $2,000 per policy.

D. Exclusions - Baggage and Personal Effects Coverage
These exclusions apply to the Baggage and Personal Effects Coverage set out in Section VI, A. The additional exclusions set out in the General Exclusions Section of this policy also apply. We do not cover or pay any benefit for any loss or expense related in whole or in part, directly or indirectly, to:
1. Loss or theft of: animals; bicycles except while checked as baggage on a common carrier, perishable items; household items and furniture; artificial teeth or limbs; hearing aids; eyeglasses of any type; contact lenses; money; tickets; securities; items related to your occupation or profession; antiques or collectors' items; fragile items; items obtained illegally; or articles that are insured on a valued basis;
2. Damage or loss resulting from wear and tear, deterioration, defect, mechanical breakdown, your imprudence, or your omission;
3. Unaccompanied baggage or personal effects; baggage or personal effects left unattended or in an unlocked vehicle; or baggage or personal effects shipped under a freight contract; or
4. Baggage that is delayed on your return flight.

VII. RENTAL CAR COLLISION DAMAGE PROTECTION COVERAGE
Rental Car Collision Damage Protection insurance applies to you only if you purchased The Collision Damage Protection Plan.

A. Benefits -
Rental Car Collision Damage Protection Coverage
If you incur expenses due to a covered risk, while you are on a trip, for which you have purchased this coverage, we provide coverage for the following covered benefits up to the benefit limit.

Covered Risk 1: Physical loss or damage to a rental car arising during the period for which you have purchased this coverage and while the rental car is under your care, custody and control, or that of a person who is permitted to operate the rental car under the rental agreement to which you are a party.
Benefits for Covered Risk 1:
We cover:
1. Reasonable expenses for which you are responsible under the car rental agreement or at law for physical loss or damage to a rental car; and
2. Reasonable costs of towing expenses, salvage, fire department charges, customs duties, and loss of usage of the rental car.
Benefit Limit: $75,000.

B. Conditions -
Rental Car Collision Damage Protection Coverage
All of the general 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 under this Rental Car Collision Damage Protection Coverage as set out in Section VII, A:
1. You must examine the rental car and record, in writing, all existing damages before accepting the rental car, and submit a copy of that damage record to us if you have a claim;
2. You must take all reasonable and necessary steps to protect the rental car and prevent damage to it. You must report the loss to the appropriate local authorities and the rental company as soon as possible;
3. You must obtain all information about any other party involved in any accident, such as name, address, insurance information and driver's license number; and
4. You must provide us with all required documentation including but not limited to the rental agreement, police report and damage estimate.

C. Exclusions -
Rental Car Collision Damage Protection Coverage
The following exclusions apply to the Rental Car Protector Coverage set out in Section VII, A. The additional exclusions set out in the General Exclusions Section of this policy also apply.
1. We do not cover any loss or any expense related in whole or in part, directly or indirectly, to:
a. Contents of the rental car;
b. Liability other than for loss of, or damage to the rental car;
c. Expenses assumed or waived by the car rental agency and/or its insurance company; and
d. Amounts payable under any other insurance.
2. We do not cover any loss or damage arising either directly or indirectly from, caused by, or contributed to by you or any other person driving or operating the rental car while you or such other person is:
a. Under the influence of intoxicating substances;
b. Participating in a speed test or contest;
c. Carrying passengers for compensation or hire;
d. Using the rental car for commercial delivery, transporting contraband, or illegal trade; or
e. Driving or operating the rental car in violation of the terms of the car rental agreement.
3. We do not cover any loss or damage arising either directly or indirectly from, caused by, or contributed to by:
a. The mechanical failure or breakdown of any part of the rental car, rusting, corrosion, wear and tear, gradual deterioration, inherent defect, or freezing;
b. Any dishonest act, conversion, failure, neglect or abuse of the rental car committed by you your employees or agents, or any person to whom the rental car may be entrusted by you; or
c. Your failure to preserve or protect the rental car.
4. We do not cover any loss or damage to:
a. Automobiles over 20 years old, exotic automobiles including but not limited to Aston Martin, Bentley, Daimler Benz, Excalibur, Ferrari, Jaguar, Jensen, Lamborghini, Lotus, Maserati, Porsche, Rolls Royce, or any similar automobile;
b. Trucks, buses, commercial vans, motorcycles, mopeds, motorbikes, recreational vehicles, all terrain vehicles, campers, trailers, limousines, or sport utility vehicles (or any other vehicle) while used off-road.

VIII. OPTIONAL CRUISE AND TOUR PROTECTOR COVERAGE
Our Optional Cruise and Tour Protector Coverage is available when you purchase any of our packages. If you wish to obtain this optional coverage you have to apply for it for each trip and pay the required premium.

A. Benefits - Cruise and Tour Protector Coverage
If you incur expenses due to a covered risk, while you are on a trip, for which you have purchased this coverage, we provide coverage for the following covered benefits up to the benefit limit.

Covered Risk 1. Cruise/Tour Cancellation and Interruption Enhancement: Loss resulting from a missed pre-booked cruise or tour departure due to the cancellation or schedule change of your cruise or tour by the cruise company or tour operator.
Benefits for Covered Risk 1.
We cover:
1. A subsistence allowance for your commercial accommodations and meals, essential telephone calls, and taxi fares, up to a maximum of $100 (receipts must be submitted for all eligible expenses including these ones); and
The lesser of:
2. The change fee charged by the airline carrier(s) involved when such an option is available to you;
OR,
3. Up to $2,000 for your non-refundable prepaid airfare which is part of your trip and not part of your cruise or tour package.
Please note: Benefits are payable for any one occurrence resulting in a claim under either the Trip Cancellation, Interruption and Delay Coverage or this Optional Cruise and Tour Protector Coverage, but not both.

B. Conditions - Cruise and Tour Protector Coverage
All of the general 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 under this Optional Cruise and Tour Protector Coverage as set out in Section VIII, A:
1. The expenses must be incurred by you before you join your cruise ship or tour;
2. You must file written proof of loss with us within 90 days from the date of your loss or submit your claim within any longer period allowed by law (if applicable);
Please note: This coverage is last payor and subsequent to any payment provided by a common carrier for the same loss.

C. Exclusions - Cruise and Tour Protector Coverage
The following exclusions apply to the Optional Cruise and Tour Protector Coverage set out in Section VIII, A. The additional exclusions set out in the General Exclusions Section of this policy also apply. We do not cover any loss or any expense related in whole or in part, directly or indirectly, to:
1. Any loss incurred by the default of a travel supplier.

IX. OPTIONAL GOLF PROTECTOR, SKI PROTECTOR, AND BUSINESS PROTECTOR COVERAGE
Our Optional Golf Protector, Ski Protector, and Business Protector Coverage are available when you purchase any of our packages. If you wish to obtain this optional coverage you have to apply for it for each trip and pay the required premium.

A. Benefits- Golf Protector, Ski Protector, and Business Protector Coverage
If you incur expenses due to a covered risk, while you are on a trip, for which you have purchased this coverage, we provide coverage for the following covered benefits up to the benefit limit.

i. Golf Protector Option
Covered Risk 1: Loss resulting from (i) loss of; (ii) theft of; (iii) significant damage to; or (iv) delay for at least 12 hours in the transit of your owned golf clubs, golf bag, or golf shoes, occurring while this optional coverage is in effect and provided the equipment was travelling with you when the loss, theft, damage or delay occurred.
Benefits for Covered Risk 1:
We cover:
1. The reasonable expense incurred for the rental of golf clubs and a golf bag; and
2. The depreciated value of your lost, stolen or damaged golf clubs, golf bag, and/or golf shoes.
Please note: We do not cover rented equipment under this benefit.
Benefit Limit: Depreciated value of lost, stolen or damaged equipment - $2,500 per insured; Rental - $200 per insured.
Covered Risk 2: Loss resulting from your or your travel companion's inability to play golf while on a trip as a result of a medical condition and while this optional coverage is in effect.
Benefits for Covered Risk 2:
We cover:
1. The non-refundable, prepaid green fees, golf equipment rental charges or lesson fees which are unused as the direct result of your or your travel companion's medical condition.
Please note: A physician must certify in writing your or your travel companion's inability to play golf is due to such medical condition.
Benefit Limit: $500 per insured.

ii. Ski Protector Option
Covered Risk 1: Loss resulting from (i) loss of; (ii) theft of; (iii) significant damage to; or (iv) delay for at least 12 hours in the transit of your owned snowboards, skis, bindings, boots or poles, occurring while this optional coverage is in effect and provided the equipment was travelling with you when the loss, theft, damage or delay occurred.
Benefits for Covered Risk 1:
We cover:
1. The reasonable expense incurred for the rental of skis, snowboards, bindings, boots, and poles; and
2. The depreciated value of your lost, stolen or damaged snowboards, skis, bindings, boots or poles.
Please note: We do not cover rented equipment under this benefit.
Benefit Limit: Depreciated value of lost, stolen or damaged equipment - $2,500 per insured; Rental - $200 per insured.

Covered Risk 2: Loss resulting from your or your travel companion's inability to ski or snowboard while on a trip as a result of a medical condition and while this optional coverage is in effect and loss resulting from your or your travel companion's inability to ski or snowboard as a consequence of an avalanche while on a trip and while this optional coverage is in effect.
Benefit for Covered Risk 2:
We cover:
1. The non-refundable, prepaid ski package expenses which are unused as the direct result of your or your travel companion's medical condition.
Please note:

• A physician must certify in writing your or your travel companion's inability to ski or snowboard is due to a medical condition.
• A ski package consists of one or more of the following: lift passes; ski school fees; and rental of a snowboard, skis, ski poles, bindings and/or boots.

iii. Business Protector Option
Covered Risk 1: Loss resulting from (i) loss of; (ii) theft of; or (iii) significant damage to your business equipment, occurring while this optional coverage is in effect and provided the equipment was travelling with you when the loss, theft or damage occurred.
Benefits for Covered Risk 1:
We cover:
1. The depreciated value of your lost, stolen or damaged business equipment; and
2. The reasonable additional costs to rent comparable business equipment (including communication devices) to that which was lost, stolen or damaged.
Please note: We do not cover rented equipment under this benefit.
Benefit Limit: Depreciated value of lost, stolen or damaged equipment - $2,500 per insured; Rental - $200 per insured.

Covered Risk 2: Loss resulting from the delay for at least 12 hours in the transit of your business equipment, occurring while this optional coverage is in effect and provided the equipment was travelling with you when the delay occurred.
Benefits for Covered Risk 2:
We cover:
1. The reasonable additional costs for the rental of comparable business equipment (including communication devices); and
2. The reasonable cost to purchase business necessities.
Please note: If it is later determined that your business equipment is permanently lost the amount claimable under the benefits for Covered Risk 1 will be reduced by the amount claimed for business necessities purchased under this benefit for Covered Risk 2.

Benefit Limit: Rental - $200 per insured; Business Necessities - $200 per insured.
Covered Risk 3: Loss resulting from (i) loss of; (ii) theft of; or (iii) significant damage to your business documents, meeting agendas, sales presentations or product samples occurring while this optional coverage is in effect and provided these items were with you on a trip when the loss, theft or damage occurred.
Benefits for Covered Risk 3:
We cover:
1. The reasonable costs for expedited courier services you incur to replace business documents, meeting agendas, sales presentations or product samples lost, stolen or damaged.
Please note: All items must be available from your Local Office, your Head Office, or your normal place of business and required for your business meeting, customer presentation or business seminar, and such meeting, presentation or seminar must be both scheduled prior to the purchase of each covered trip, and scheduled to take place within five (5) days after your arrival at your business destination.
Benefit Limit: $200 per insured.

B. Conditions - Golf Protector, Ski Protector, and Business Protector 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 under any of the Golf Protector, Ski Protector, and Business Protector Optional Coverage:
1. You must inform the appropriate local authorities at the place where the loss occurred within 24 hours of the loss occurring. You must inform them of the value and description of your golf equipment, ski/snowboard equipment, and/or business equipment and obtain a written report;
2. You must provide us with documentation proving your prepaid green fees, and/or prepaid, non-refundable ski vacation package;
3. You must file written proof of loss with us within 90 days from the date of your loss or submit your claim within the longer period allowed by law (if applicable);
4. If you are claiming for a refund of green fees or ski vacation package you must obtain a copy of the physician's report and diagnosis pertaining to your medical condition which is the basis of your claim;
5. You must take all reasonable measures to protect, save and/or recover your golf equipment, your ski/snowboard equipment, and/or your business equipment;
6. All expenses must be incurred by you;
7. This coverage is excess to any coverage provided through or indemnity provided by a common carrier for the same loss; and
8. You must submit a copy of the purchase or credit card receipt for your original golf equipment, original ski equipment or original business equipment.

C. Exclusions - Golf Protector, Ski Protector, and Business Protector Coverage
The following exclusions apply to each of the Golf Protector, Ski Protector, and Business Protector Optional Coverage set out above. The additional exclusions set out in the General Exclusions Section of this policy also apply. We do not cover any loss or any expense related in whole or in part, directly or indirectly, to:
1. Loss, theft or damage to your owned golf equipment, ski/snowboard equipment and/or business equipment while such items are in the custody of an airline or other common carrier, unless a report is made immediately on discovery of the loss or damage and a report obtained from the carrier;
2. Loss, theft or damage to any unattended equipment, if left unsecured and unlocked in your accommodation, or an unlocked motor vehicle;
3. Loss, theft or damage to any unattended equipment, if left unattended in a locked motor vehicle or a secured and locked luggage rack between 8:00 p.m. and 8:00 a.m.;
4. Loss or damage to any of your owned golf equipment, business equipment, and/or your ski/snowboard equipment carried on a vehicle roof rack;
5. Loss of use or damage due to wear and tear, latent defect, or misuse;
6. Intentional damage committed by you;
7. Loss or theft of any of your owned golf equipment, ski/snowboard equipment, and/or business equipment, shipped as freight or under a Bill of Lading or Way Bill;
8. Loss, theft or damage arising from delay, confiscation or detention by Customs or other officials;
9. Any claim arising from a medical condition that was not supported by a medical report from a licensed physician confirming your inability to play golf or ski/snowboard (applicable to refund of green fees or ski package refund only);
10. Any claim resulting from activities including, but not limited to, Ski Jumping, Ski Flying, Heli-Skiing, Ski Acrobatics, Ski Stunting, Freestyle Skiing, Ski Racing, Ski Bob Racing, or On-Piste and Off-Piste Skiing in areas designated unsafe by resort management;
11. Your owned golf equipment, business equipment, your owned ski/snowboard equipment, if insured by another insurance carrier, with the exception of any applicable deductible; or
12. Prototypes, product samples or recovery of electronic data.

X. OPTIONAL EXPANDED BENEFITS UPGRADE COVERAGE
Our Expanded Benefits Upgrade Coverage is available when you purchase any of our packages. If you wish to obtain this optional coverage you have to apply for it for each trip and pay the required premium.

A. Benefits - Expanded Benefits Upgrade Coverage
If you have purchased this coverage and you incur an expense or suffer a loss due to a covered risk, during a trip, under the Emergency Medical and Dental Coverage, the Trip Cancellation, Interruption and Delay Coverage or the Baggage and Personal Effects Coverage we increase certain benefit limits provided for under such coverage and we cover added benefits. The increased benefits, benefit limits and added benefits are as follows:
1. Same Class Ticket Benefit: If we cover an economy class ticket under the Emergency Medical and Dental Coverage or the Trip Cancellation, Interruption and Delay Coverage and the benefit would otherwise be available to you, we cover the extra cost (via the most cost effective itinerary) that then allows you to travel on the same class airfare as originally pre-booked on your trip.
2. Meals and Accommodations Benefit Increase: The meals and accommodation benefit limit under your Emergency Medical and Dental Coverage Covered Risk 9 is increased to $500 per day to a maximum of $5,000. The meals and accommodation benefit limit for trip interruption under your Trip Cancellation, Interruption and Delay Coverage for Covered Risks 13, 14, 16, 17, 18, 19, 20, 21, 22, 23 and 24 is increased to $500 per day to a maximum of $1,000 per insured. The meals and accommodation benefit limit for trip delay under your Trip Cancellation, Interruption and Delay Coverage for Covered Risks 26, 27, 28, 29 and 30 is increased to $500 per day to a maximum of $5,000 per insured.
3. Added Entertainment Benefit: If you are delayed from returning to your departure point beyond your scheduled return date as a result of any of the covered risks set out in the Trip Cancellation, Interruption and Delay Coverage Section of this policy, we cover expenses you actually incur up to $100 per insured for you to attend a ticketed event such as, but not limited to, a movie theatre, a live production, or sporting event.
4. Added Event Benefit: If the primary reason for your trip is to attend a wedding, sporting event, or conference, and the event cannot be delayed regardless of your attendance and your scheduled arrival time in the city where the event is to take place is delayed for a reason beyond your control, we cover the expenses you actually incur up to $1,500 per insured for the additional transportation cost via an alternate itinerary on a scheduled carrier that allows you to arrive in time for the event. This benefit does not cover any expenses incurred directly or indirectly as a result of:
a. Your failure to comply with normal check-in procedure of the travel supplier;
b. Strike, hijack, riot or civil commotion; or
c. Any extra costs that are not transportation related.
5. Delay of Baggage Benefit Increase: The benefit limit for delay of baggage under the Baggage and Personal Effects Coverage is increased to $750 per insured.
6. Hurricane Coverage: Section IV Trip Cancellation, Interruption and Delay, covered risk 4 and covered risk 14 "Travel Advisory" are amended to also cover the risk of a Hurricane, named by the World Meteorological Organization, intersecting your final destination during the time you are scheduled to be there. Benefits are available to you only if you a) were at destination and your accommodations became uninhabitable because you were directly in the path of the Hurricane when it passed, or b) are travelling to or are at your destination and the Hurricane warning is issued. Hurricane warning means that hurricane conditions are expected to cross directly in your path in the next 24 hours.

B. Conditions - Expanded Benefits Upgrade Coverage
If, under this Optional Expanded Benefits Upgrade Coverage, we have increased a benefit or benefit limit, or added a benefit, under any one of the Emergency Medical and Dental Coverage, the Trip Cancellation, Interruption and Delay Coverage or the Baggage and Personal Effects Coverage, then all of the conditions set out in the section of this policy document pertaining to that coverage apply to such coverage and they must be satisfied before any benefit shall be paid under this optional coverage.

C. Exclusions - Expanded Benefits Upgrade Coverage
The exclusions set out in the General Exclusions Section of this policy apply to this Optional Expanded Benefits Upgrade Coverage.

XI. FEATURES AND SERVICES TO SERVE YOU BETTER

Change of Mind^TM
You are entitled to the Change of Mind^TM benefit if you have purchased any of the following plans or packages:

• Deluxe All Inclusive Package single trip option;
• Medically Qualified Deluxe All Inclusive Package single trip option;
• Canada Package.

If you purchased any other plan or package you do not have Change of Mind^TM benefits under this policy.

The Change of Mind^TM benefit reimburses your cancellation penalties up to $400 for your cancellation of a scheduled trip prior to your departure date from your province/territory of residence because you have changed your mind provided your trip has been paid in full. The Change of Mind^TM benefit will not be paid in combination with any other benefit or for a claim which has previously been denied. This benefit cannot be used if your travel agency, airline, cruise line or tour operator is in default or is the subject of a bankruptcy petition. This benefit is not valid for your trip if your Policy has been purchased after your trip has been paid in full. For the benefit to be payable, there must be an insurable loss.

Legal Assistance
You are entitled to the legal assistance benefit if you have purchased any of the following plans or packages:

• Medical Plan annual option;
• Medically Qualified Medical Plan annual option;
• Deluxe All Inclusive Package annual option;
• Medically Qualified Deluxe All Inclusive Package annual option.

XII. GENERAL CONDITIONS
All of the following conditions apply to all coverage under this policy and to all optional coverage available under this policy.
1. Your coverage will be declared null and void if, for any reason:
a. The required premium is not received by us;
b. You are ineligible for coverage in accordance with any section of this policy; or
c. You have incompletely or falsely provided information on your application or medical questionnaire.
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:
a. On the last date of service; or
b. 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 under any one of our policies with the exception of the Fight Accident benefit which has a maximum payable of $200,000 if you are covered under more than one of our policies providing 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.
14. If your health status changes (including a change in prescription medication or treatment) prior to departure for any trip, you must notify us immediately. At our sole discretion, we may opt to waive the exclusion that precludes your unstable medical condition from coverage. This would allow you to continue with your trip and retain coverage for your medical condition.
15. Any reference to age in this document is specific to your age on the date you apply for insurance.
16. The coverage provided by this policy shall be null and void for travel in, to, or through Cuba, because such travel is not serviced and supported by the Insurer's United States affiliates.

XIII. 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.

XIV. 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):
a. Expenses incurred for medication commonly available without prescription; vaccinations, injections or medication received on a preventative basis or for the maintenance of a medical condition; contraceptives; fertility medication; vitamin preparations; general physical examinations; or routine medical tests;
b. Transplants including but not limited to organ transplants or bone marrow transplants, artificial joints, or prosthetic devises/implants including any associated charges;
c. 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 your medical questionnaire 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. The follow-up treatment of any heart or lung condition, following emergency treatment for a related or unrelated heart or lung cond