TRIP CANCELLATION & INTERRUPTION INSURANCE

RIGHT TO EXAMINE POLICY

Please review this policy before you travel to ensure it meets your needs. You have 10 days after purchase to return this policy for a full refund, provided your coverage has not begun. Please refer to the sections of the policy that explain when coverage begins. For refunds after coverage has begun, refer to our refund policy also explained in this document.

IMPORTANT NOTICE

Please read your policy carefully before you travel.

What am I covered for?
Coverage is different for each plan; to find out what your coverage is, please read the section titled 'Benefits' under the name of the plan(s) you have purchased. Travel insurance is intended to cover losses arising from sudden, unexpected, and unforeseeable circumstances.

What is not covered?
Travel insurance does not cover everything. Your insurance has exclusions, conditions and limitations. You should carefully read and understand your policy before you travel. Pre-existing medical conditions may be excluded. Any medical condition and/or symptoms you are aware of prior to the effective date, whether diagnosed or not, may not be covered.

What if I have an emergency or claim?
To apply for the settlement of benefits, complete the claim form and include all original bills. Incomplete forms will cause delay.

Does this insurance cover my trip arrangements?
Your trip arrangements are covered. Details of your coverage will be as shown in your confirmation of coverage. Check with your travel supplier or agent at the time you book your trip, to understand the amounts that are non-refundable. The benefits payable under this policy are limited to the amounts that are non-refundable, as assessed by the travel supplier or agent, at the occurrence date of the 'Insured Risk' that was the cause for cancellation, regardless of the date the trip is cancelled. It is important to read this carefully and to notify your travel supplier or agent on the day (or the next business day) that the cause of cancellation occurs.

Is my personal information protected?
We are committed to protecting the privacy, confidentiality and security of the personal information we collect, use and disclose. Your personal information, including your medical history, will be collected, used or disclosed only for the purpose of providing you with the requested insurance services. For a copy of TIC's privacy policy, please contact us or visit our website www.travelinsurance.ca.

I want to stay longer. Can I purchase further coverage?
Yes, you can, subject to policy terms and conditions. Just call your agent or TIC (during business hours) prior to the expiry of your policy. You must be in good health and not have incurred any losses during the period of coverage. Fees will be charged.

Travel Assistance
TIC or Co-operators Life Insurance Company will use their best efforts to provide assistance for a medical emergency arising anywhere in the world. They or their agents will not be responsible for the availability, quantity, quality, or results of any medical treatment received, or for failure to obtain medical service.

Note:Words in italics indicate they are defined.

TRIP CANCELLATION & INTERRUPTION INSURANCE POLICY

Basic and Select Plans

ELIGIBILITY

To be eligible for coverage a person must:

1. be at least 15 days old; and
2. be scheduled to travel on a trip to, from or within Canada; and
3. purchase this coverage within 48 hours of paying the non-refundable deposit to the travel supplier or agent for the trip and before any cancellation penalties are applicable.

Coverage Begins

When an application has been made and the premium has been paid for a specific plan of insurance, coverage begins on the latest of the date and time:

1. the completed application is accepted by TIC or its representative; or
2. indicated as the application date except under c) below
3. of the scheduled departure for Accidental Death & Dismemberment, Flight Accident and Baggage.

Coverage Ends

Coverage ends on the earliest of the date:

1. of occurrence of the 'Insured Risk' which results in the cancellation of the insured's trip prior to the scheduled departure date; or
2. and time the insured returns to their permanent residence; or
3. indicated as the expiry date on the confirmation of coverage; or d) 365 days from the application date for 'Prior Departure' benefits.

DESCRIPTION OF COVERAGE

The insurer agrees to pay up to the sum insured indicated on the confirmation of coverage, for losses resulting from an 'Insured Risk' occurring during the period of coverage. Coverage is provided worldwide for trips to, from or within Canada. Benefits are limited to the non-refundable amounts assessed by the travel supplier as of the date of occurrence of the 'Insured Risk', injury or the ultimate diagnosis of a sickness, that was the cause of the cancellation, regardless of the date the trip is cancelled.

BENEFITS

Benefits are payable for the following costs:

1. Prior to Departure
   1. The non-refundable, non-recoverable portion of prepaid airfare and/or pre-paid travel arrangements.
   2. The single supplement charged as the result of a travelling companion or accompanying family member who is unable to travel due to an 'Insured Risk'.
2. After Departure
   1. The extra cost of economy transportation by the most direct route to continue with the insured trip if the insured misses a portion of his/her trip due to sickness or injury of the insured, a travelling companion or accompanying family member.
   2. . The non-refundable portion of unused, pre-paid, insured travel arrangements for the trip (excluding partially used airline tickets) booked prior to departure, and the extra cost of economy airfare by the most direct route, to return to the point of departure.
   3. In the event of death due to a covered sickness or injury, up to $10,000 will be reimbursed for costs incurred to return the insured in a standard transportation container, to their permanent residence, or up to $4,000 for cremation or burial at the place of death, when the insured is not covered under any other insurance plan.
3. Prior To or After Departure:
   In the event that a delay of the connecting carrier or automobile at the departure point causes a missed connection, provided the connecting carrier or automobile was scheduled to arrive not less than two hours prior to the scheduled connection time due to:
   • weather conditions or mechanical failure of the connecting carrier (airline, bus, train or government-operated ferry system); or
   • traffic accident or emergency police road closure (police report required) causes the delay of a private or commercial automobile.
   The insurer agrees to pay:
   1. the extra cost of economy transportation to the ticketed destination;
   2. the unusable pre-paid, insured travel arrangements and;
   3. an out-of-pocket allowance of up to $200 per day to a maximum of $600 for commercial accommodation and meals, essential telephone calls and taxi fares.

INSURED RISKS

The 'Benefits' listed above are payable if the insured's trip is cancelled prior to the scheduled departure date, curtailed prior to the scheduled return date, or delayed after the scheduled return date as the result of:

Health

1. Sickness, injury or death of the insured, or a family member, or a travelling companion, or travelling companion's family member or a key employee of the insured.
2. The death of a friend of the insured.
3. The death or hospitalization of the insured's host at the destination.
4. Sickness, injury or death of a person or persons with whom arrangements were made for the care of dependents living in the insured's household.

Legal

5. The insured has been called to jury duty, or been subpoenaed as a witness, and the court proceeding is scheduled to be heard during the period of the trip (excluding law enforcement officers).
6. The legal adoption of a child by the insured during the period of the trip, which necessitates cancellation of the trip.

External

7. The schedule change of the airline carrier that is providing transportation for a portion of the insured trip, causing the insured to miss a connection or resulting in the interruption of the insured travel arrangements.
8. The insured's failure to obtain a valid travel visa (excluding an immigration, student or employment visa) necessary to enter the country of destination of the trip, for reasons beyond the insured's control provided the insured is a Canadian resident and eligible to apply, and the failure to obtain valid documents is not the result of a late or previously denied application.
9. Default of a travel supplier ceasing operations as a result of bankruptcy.
10. A disaster which renders the insured's principal residence, in their country of permanent residence, uninhabitable.
11. A statement on terrorism or health risk made in the 'Travel Report' issued by the Canadian Department of Foreign Affairs or Public Health Agency of Canada after the application date, advising or recommending that Canadians should not travel to the booked destination for a period that would include the insured's scheduled trip.
12. Hijacking or quarantine of the insured.
13. Adverse weather which would prevent the insured from travelling for a period not less than 30% of the total duration of the insured trip when the insured chooses not to continue with the trip prior to departure from the point of origin.
14. Cancellation prior to departure, of a business meeting that the insured is required to attend as required by his/her employment or a conference arranged by the insured's professional association, and the cancellation is beyond the control of the insured, the insured's employer or association.
15. Rescheduling of an examination at an accredited Canadian or American university or college after the trip was booked and due to circumstances beyond the insured's control. A copy of the original official examination schedule and the notice of rescheduling must accompany any claim submission. The rescheduled examination must occur during the period of coverage.

Work

16. A job transfer within 30 days of the insured's scheduled departure date, by the insured's employer, that requires relocation of the insured's principal residence (not applicable to self-employed persons).

SPECIFIC CONDITIONS

1. Upon the occurrence of an 'Insured Risk' that results in cancellation, curtailment or delay of the insured's trip, the travel supplier or agent must be notified on the same day or next business day that the cause of cancellation, injury or ultimate diagnosis of sickness occurs.
2. Benefits are limited to the non-refundable amounts assessed by the travel supplier as of the date of occurrence of the 'Insured Risk', injury or the ultimate diagnosis of a sickness.
3. When family members are travelling together, the total aggregate limit is twelve (12) insured persons, regardless of the number of policies issued, unless authorized by TIC.
4. When travelling companions are travelling together, the total aggregate limit is five (5) insured persons, regardless of the number of policies issued, unless authorized by TIC.
5. No benefits are payable when the insured's return to the point of origin is beyond 10 days from the expiry date specified in the confirmation of coverage, unless the insured or a travelling companion suffering the sickness or injury was confined in a hospital, or was certified as medically unfit to travel by the attending physician at the location treatment was provided.
6. Reimbursement of any eligible additional costs are limited to the lesser of:
   1. the change-fee
   2. a one-way economy class airfare or
   3. a return economy class airfare,
   all by the most direct route.
7. All claims due to sickness or injury must be supported by documentation from the attending physician at the location where sickness or injury leading to cancellation occurred.
8. 'General Provisions' of this policy apply. Refer to page 5.

ADDITIONAL BENEFITS for Select Plan

Benefits are payable for the following:

1. Meals and Accommodation
   In the event that the insured's trip is interrupted or delayed beyond the expiry date shown in the confirmation of coverage, as a result of sickness or injury of the insured, a travelling companion, or an accompanying family member, additional commercial accommodation and meals, essential telephone calls and taxi fares will be reimbursed up to $300 per day to a maximum of $1,000.
2. Delayed Baggage
   In the event that the insured's luggage or personal possessions are delayed or lost for 12 hours or more, while en route and before returning to the original point of departure, costs for reasonable and necessary toiletries and clothing will be reimbursed up to a maximum of $200. Purchases must be made within 36 hours of arrival at the insured's destination and prior to receipt of the insured's baggage.

3. Tour Operators
   In the event that the insured's tour is cancelled or re-scheduled by the tour operator for any reason other than default, up to $1,000 will be payable for the non-refundable pre-paid travel arrangements that are not a part of the cancelled or re-scheduled tour package.

4. Accidental Death & Dismemberment Benefits
   The insurer agrees to pay up to the sum insured of $10,000 for loss of life, limb or sight resulting directly from accidental injury, occurring during the period of coverage, except while boarding, riding in, or alighting from an aircraft.
   
   Accidental Death & Dismemberment Benefits are payable according to the following schedule of losses:
   1. 100% of sum insured resulting from the same accidental injury for loss of:
      1. life; or
      2. entire sight of both eyes; or
      3. both hands; or
      4. both feet; or
      5. one hand and entire sight of one eye; or
      6. one foot and entire sight of one eye.
   2. 50% of sum insured resulting from the same accidental injury for loss of:
      1. entire sight of one eye; or
      2. one hand; or
      3. one foot.

   Loss of hand or hands, or foot or feet means severance through or above the wrist joint or ankle joint, respectively.

   Loss of eye or eyes means total and irrecoverable loss of the entire sight.

   Only one amount is payable (the largest) if the insured suffers more than one of these losses

   Exposure and Disappearance

   If the insured is exposed to the elements or disappears as a result of an accident, a loss will be covered if:

   1. as a result of such exposure, the insured suffers one of the losses specified in the schedule of losses above; or
   2. the body of the insured has not been found within 52 weeks from the date of the accident it will be presumed, subject to evidence to the contrary, that the insured suffered loss of life.

5. Flight Accident
   The insurer agrees to pay up to the sum insured of $50,000 for loss of life, limb or sight directly caused by an accidental injury resulting from a 'Risk Insured' occurring worldwide during the period of coverage. Coverage is for all flights ticketed and arranged prior to the effective date. The total aggregate limit for accidental injury resulting from a 'Risk Insured' under the 'Flight Accident' benefit is $10 million.
   
   Flight Accident Benefits
   
   Flight Accident benefits are payable according to the following schedule of losses:
   1. 100% of sum insured resulting from the same accidental injury for loss of:
      1. life; or
      2. entire sight of both eyes; or
      3. both hands; or
      4. both feet; or
      5. one hand and entire sight of one eye; or
      6. one foot and entire sight of one eye.
   2. 50% of sum insured resulting from the same accidental injury for loss of:
      1. sight of one eye; or
      2. one hand; or
      3. one foot.

      Loss of hand or hands, or foot or feet means severance through or above the wrist joint or ankle joint, respectively.

      Loss of eye or eyes means total and irrecoverable loss of the entire sight.

      Only one amount is payable (the largest) if the insured suffers more than one of these losses.

   Exposure and Disappearance
   If the insured is exposed to the elements or disappears as a result of a flight accident, a loss will be covered if:

   1. as a result of such exposure, the insured suffers one of the losses specified in the schedule of losses above, or
   2. the body of the insured has not been found within 52 weeks from the date of the flight accident. It will be presumed, subject to evidence to the contrary, that the insured suffered loss of life.

   Flight Accident Insured Risks

   Benefits are limited to payment for losses occurring during the period of coverage while the insured is:

   1. Riding solely as a ticketed passenger in, or boarding or alighting from, a certified multi-engine transportation-type aircraft or passenger aircraft provided by a regularly scheduled airline on any regularly scheduled trip operated between licensed airports.
   2. On airport premises immediately before boarding or immediately after alighting from an aircraft; or while riding as a passenger in an airport limousine or bus, or surface vehicle provided and arranged for by the airline or airport authority, when going to or after being at an airport for the purpose of boarding an aircraft or alighting from an aircraft.

6. Baggage
   The insurer agrees to pay up to the sum insured of $500, for loss or damage to owned or borrowed baggage and personal effects normally carried by the insured.
   1. The amount of loss or damage sustained in each event shall be determined separately, and any benefits payable are in excess of any amounts available under any other insurance or source.
   2. Coverage is subject to a $50 deductible, for each insured event causing loss.
   3. The insurer's liability shall be limited to $300 per single article, matched pair or set or group of related articles.
   4. The insurer will pay the lesser of the following:
      1. the actual cash value of the property, with proper deduction for depreciation, at the time of loss or damage; or
      2. the amount for which the property could be repaired to its condition prior to the damage; or
      3. the amount for which the property could be replaced with property of like kind and quality.
   
   Baggage Benefits
   
   The insurer agrees to pay for the following:
   
   1. Personal Effects
      items for the personal use, adornment or amusement of the insured or any of the insured's family members who are travelling with the insured.
   2. Personal Currency
      up to $100 for loss of personal currency when caused directly by theft or robbery and supported by a police report.
   3. Wheelchair
      up to $100 for repairs or rental replacement of the insured's wheelchair (or standard special features) in the event the wheelchair is rendered inoperable due to damage resulting during normal usage.
   4. Injury of Accompanying Cat or Dog
      up to $200 for emergency care due to unexpected injury of an accompanying cat or dog.
   5. Travel Documents
      up to an aggregate limit of $100 for the replacement cost of any of the following documents: passport, driver's license, birth certificate or travel visa when the loss is caused directly by theft or robbery and supported by a police report.

EXCLUSIONS

Exclusions with CANX refers to Trip Cancellation & Interruption benefits, ADD refers to Accidental Death & Dismemberment, FAC refers to Flight Accident benefits and BAG refers to Baggage benefits.

Benefits are not payable for costs incurred due to:

CANX1 Any sickness, injury or medical condition of an insured, family member, travelling companion or travelling companion's family member or key employee of the insured, that exhibited symptoms for which a diagnosis need not have been made or required any or all of: medical consultation, medical treatment or hospitalization, within the 90 days immediately preceding the application date.

CANX2 Any sickness, injury or medical condition for which a diagnosis need not have been made or state of health which, prior to the application date, was such as to render expected medical treatment or hospitalization.

CANX3 (ADD1, FAC1) Losses while sane or insane due to: emotional, mental or nervous disorders resulting from any cause, including but not limited to anxiety or depression; suicide, attempted suicide; or intentionally self-inflicted injury.

CANX4 (ADD2, FAC2, BAG1) Act of war, kidnapping, act of terrorism including those caused directly or indirectly by nuclear, chemical or biological means; riot, strike or civil commotion, unlawful visit in any country, participation in protests, participation in armed forces activities or a commercial sexual transaction or the commission or attempted commission of any criminal offence, contravention of any statutory law or regulation in the area where the loss occurred by the insured, a family member or travelling companion.

CANX5 (ADD3, FAC3) Loss, death or injury, if at the time of the loss, death or injury, evidence supports the insured was affected by, or the medical condition causing the loss was in any way contributed to by, the use of alcohol, prohibited drugs, or any other intoxicant; the non-compliance with a prescribed treatment or medical therapy; or the misuse of medication.

CANX6 Any sickness, injury or medical condition for which a diagnosis need not have been made, where the trip is undertaken for the purpose of securing medical treatment or advice.

CANX7 Any medical consultation that is non-emergency or any procedure or treatment that is elective or the consequence of a prior elective procedure.

CANX8 (ADD4) Travelling against the advice of a physician or any loss resulting from a sickness or medical condition that was diagnosed by a physician as terminal prior to the effective date of this policy.

CANX9 (ADD5) Injury resulting from training or participating in speed contests usually and customarily in excess of 60 km per hour, professional sport activities, or organized motor sport contests.

CANX10 Loss incurred as a result of pregnancy, or childbirth, or complications thereof occurring within 8 weeks of the expected date of delivery.

CANX11 Loss incurred as a result of pregnancy which are routine or elective and which occur within the first 32 weeks of pregnancy.

CANX12 A trip undertaken for the purpose of visiting or attending to an ailing person whose medical condition or ensuing death is the cause of cancellation or curtailment of the insured trip or delays the insured's return home.

CANX13 Loss for any event prior to departure, which might reasonably have been expected to necessitate the immediate return or delay the return of the insured.

CANX14 Loss for any event which, on the application date, could reasonably have been expected to prevent the insured from travelling as booked.

CANX15 Losses recovered or which are recoverable from any other source, including trustees or any government compensation fund.

CANX16 Loss arising as a consequence of the bankruptcy or insolvency of a retail travel agent, agency or broker, whether or not otherwise entitled to the benefit of this insurance.

CANX17 Losses arising as a result of a default of the travel supplier if, at the time of booking and/or application, the travel supplier is bankrupt, insolvent, in receivership, or has sought protection from creditors under any bankruptcy or related legislation.

CANX18 Losses arising as a result of default of an American travel supplier if the services to be provided by the American travel supplier are not part of a package tour sold to the insured by an appointed representative of TIC.

CANX19 Losses arising from default of a travel supplier for travel services purchased by the insured direct from the travel supplier, or from other than an appointed representative of TIC.

CANX20 Any amounts assessed by the travel supplier that are non-refundable after the date of the occurrence of an 'Insured Risk', injury or ultimate diagnosis of a sickness that was the cause of the cancellation, regardless of the date the trip was cancelled.

CANX21 (ADD7, FAC4, BAG5) Any nuclear occurrence, however caused.

The following exclusion applies to the Accidental Death & Dismemberment Benefit only:

ADD6 Being the occupant of an aircraft, either as passenger or crew.

The following exclusions apply to the Baggage Benefit only:

BAG2 Normal wear and tear, deterioration, moths or vermin.

BAG3 Loss of or damage to: contact lenses, prescription eye glasses, artificial teeth and limbs, hearing aids, forms of money and currency (except as provided under 'Personal Currency'), securities, tickets, credit cards, statuary, paintings, breakage of fragile or brittle objects, objects of art or antiques, or animals (except as specifically provided for cats and dogs).

BAG4 Theft from an unattended vehicle unless it was securely locked and there was visible evidence of forced entry.

DEFINITIONS

Accident(al) means a sudden, unexpected, unforeseeable, unavoidable external event.

Act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof or commission or threat of a dangerous act, of any person or group(s) or government(s), committed for political, religious, ideological, social, economic or similar purposes including the intention to intimidate, coerce or overthrow a government (whether defacto or de jure) or to influence, affect or protest against any government and/or to put the civilian population, or any section of the civilian population, in fear.

Act of war means any loss or damage arising directly or indirectly from, occasioned by, happening through or in the consequence of war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war is declared or not) by any government or sovereign, using military personnel or other agents, civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power.

Aggregate limit means the total number or the maximum value of insured losses resulting from any one accident or event causing loss.

Application date (applicable to Trip Cancellation & Interruption) means the date the insured applies and pays for this insurance in conjunction with the initial non-refundable costs associated with booking their trip. The insured must purchase this insurance within 48 hours of paying the non-refundable deposit for the trip and before any non-refundable amounts assessed by the travel supplier apply.

Business meeting means a meeting scheduled before the application date between companies with unrelated ownership, pertaining directly to the insured's full-time employment or professional association, and required by the insured's employment.

Canadian resident means a landed immigrant or Canadian citizen who maintains a permanent residence in Canada to which they will return after their trip.

Default means a complete cessation of operations as a result of a bankruptcy of a contracted travel supplier.

Effective date means the date and time coverage begins as provided for in the section titled 'Coverage Begins' for the specific plan purchased.

Emergency means a sudden, unforeseen sickness or injury occurring during the period of coverage which requires immediate intervention by a physician or legally licensed dentist and cannot reasonably be delayed. An emergency is deemed to no longer exist when medical evidence indicates that the insured is able to continue the trip or return to their place of ordinary residence or country of origin.

Expected medical treatment means medical consultation or hospitalization, which has been shown, by prior medical history, as probable or certain to occur.

Expiry date means the date coverage ends as indicated in the section titled 'Coverage Ends' for the specific plan purchased.

Family member means the insured's legal or common-law spouse, parent, brother, sister, legal guardian, step-parent, step-child,step-brother, step-sister, aunt, uncle, niece, nephew, grandparent, grandchild, in-law, ward, natural or adopted child.

Hospital means a facility incorporated or licensed as a hospital by the jurisdiction where such services are provided and which has accommodation for resident in-patients, a laboratory, a registered graduate nurse and physician always on duty and an operating room where surgical operations are performed by a physician. In no event shall this include a convalescent or nursing home, home for the aged, health spa, or an institution for the care of drug addicts, alcoholics or persons suffering from mental or nervous disorders.

Injury means sudden bodily harm directly caused by or resulting from an accident, excluding bodily harm that results from deliberate or voluntary action.

Insured means an eligible person named on the application, who has been accepted by TIC or its authorized representative, and has paid the required premium for a specific plan of insurance.

Insurer means Co-operators Life Insurance Company, except in respect of all property insurance, where the insurer is The Sovereign General Insurance Company.

Key employee means a business partner or an employee whose continued presence is critical to the ongoing affairs of the business during the insured's absence.

Medical consultation means any medical services obtained from a licensed medical practitioner for an ailment, sickness or medical condition, including but not limited to any or all of: history taking, medical examination, investigative testing, advice or treatment, and for which a diagnosis of the condition need not have been definitively made. This does not include regular medical checkups where no medical signs or symptoms existed or were found during the check-up.

Nuclear, chemical or biological means the use of any nuclear weapon or device or the emission, discharge, dispersal, release or escape of any solid, liquid or gaseous chemical agent and/or biological agent, including the resultant contamination where:

• Nuclear means any occurrence causing bodily injury, sickness, disease, or death or loss of or damage to property, or for loss of use of property, arising out of or resulting from the radioactive, toxic, explosive, or other hazardous properties of source, special nuclear, or by-product material.
• Chemical agent means any compound which, when suitably disseminated, produces incapacitating, damaging or lethal effects on people, animals, plants, or material property.
• Biological agent means any pathogenic (disease-producing) micro-organism(s) and/or biologically produced toxin(s) (including genetically modified organisms and chemically synthesized toxins) which cause illness and/or death in humans, animals or plants.

Period of coverage means the period from the effective date to the expiry date as indicated in this policy and for which premium has been paid.

Physician means a person other than the insured, who is legally qualified and licensed to practice medicine or perform surgery in the location where the services are performed and who is not related to the insured by blood or marriage.

Professional means an activity engaged in by the insured, who earns the majority of their income from such activity.

Reasonable and customary means the services customarily provided or the costs customarily incurred for covered losses and services which are not in excess of the standard practice or fee in the geographical area where the services are provided or costs are incurred for comparable treatment, services or supplies for a similar sickness or injury.

Sickness means illness or disease.

Spouse means a person who is legally married to the insured, or has been living in a common-law relationship (either opposite sex or same sex) with the insured for a continuous period of at least one year and who resides in the same household as the insured.

Terminal means a sickness or medical condition for which a physician gave a prognosis of eventual death or for which palliative care was received, prior to the effective date.

Travelling companion means a person who has prepaid shared accommodation or transportation with the insured. (Maximum of 5 persons including the insured).

Travel supplier means a licensed tour operator, licensed travel wholesaler, licensed ground transporter, airline or accommodation facility from whom the insured has purchased travel services and whose services were arranged by a licensed Canadian travel agent. U.S. airlines are not covered unless part of a package tour.

Trip means the period of travel contracted by the insured and for which coverage is in effect.

GENERAL PROVISIONS

Assignment
Any benefits payable or which may become payable under this policy cannot be assigned by the insured, and the insurer is not responsible for and will not be bound by any assignment entered into by the insured.

Automatic Extension of Coverage

1. This coverage shall be automatically extended for up to 72 hours if, during the period of coverage, the conveyance in which the insured is riding or is scheduled to ride as a passenger, scheduled to arrive at destination during the period of coverage is delayed due to circumstances beyond their control.
2. Coverage will be automatically extended for up to 5 days if medical evidence supports that the insured is medically unfit to travel due to a covered sickness or injury on or before the coverage expiry date.
3. If an insured is hospitalized at the end of the period of coverage, as a result of a covered sickness or injury, this coverage will be extended to the insured and an insured travelling companion remaining with the insured when reasonable and necessary, during the period of hospital confinement, plus 72 hours after release to travel home.

Benefit Payments
Unless otherwise stated, all provisions in this policy apply to each insured during one period of coverage.

Benefits are only payable under one policy, for each insured during the period of coverage. If more than one TIC policy is in effect at the same time, benefits will only be paid under one insurance policy, the one with the greatest sum insured. Benefits are only payable for the plans and the specific sum insured selected, paid for and accepted by TIC at the time of application. Any benefits payable do not include interest charges.

Claim Submission
The insured or claimant if other than the insured, shall be responsible for the verification of:

1. Any medical costs incurred and shall obtain itemized accounts of all medical services which have been provided;
2. Any payment made by a provincial or territorial hospital/medical plan, or, if the insured is not covered or is not eligible for coverage, verification of any payment that would have been made;
3. Any payment made by any other insurance plan or contract;
4. Providing substantiating medical documentation from their province territory or country of residence at the request of TIC.

Failure to provide substantiating documents shall invalidate all claims under this insurance.

Contract
The application, completed medical questionnaire, confirmation of coverage, this policy, any document attached to this policy when issued, and any amendment to the policy agreed upon in writing after it is issued, constitute the entire contract. Each policy or term of coverage is considered a separate contract. TIC reserves the right to decline any application or any request for extensions of coverage. No condition of this policy shall be deemed to have been waived, either in whole or in part, unless the waiver is clearly expressed in writing and signed by TIC.

Coordination of Benefits
Coverage under this policy is in excess of all or any existing coverage concurrently in force held by the insured, including but not limited to homeowners, tenants, multi-risk, any credit card, third-party liability, group or individual basic or extended health insurance or any private or legislative plan of motor vehicle insurance providing hospital, medical or therapeutic coverage. TIC will co-ordinate all benefits in accordance with the Canadian Life and Health Insurance Association guidelines.

Reimbursement will not be made for any costs, services or supplies that are payable to the insured under a motor vehicle insurance policy or legislative plan pursuant to the 'no-fault' benefits schedule under any insurance act, or for which the insured receives benefits from any other party pursuant to any policy or legislative plan of motor vehicle insurance.

The insured may not claim or receive in total, more than 100% of the loss caused by the insured event.

Currency
All amounts stated in the policy including premium are in Canadian currency. At the option of TIC, benefits may be paid in the currency of the country where the loss occurred.

Governing Law
This policy will be governed by the laws of the Canadian province or territory in which the insured normally resides, or in the case of Visitors to Canada, the Canadian province or territory where the policy was issued.

Limit on Liability
It is a condition precedent to liability under this policy that at the time of application, the insured is in good health and knows of no reason to seek medical attention.

Misrepresentation or Nondisclosure
A failure to disclose or misrepresentation of any material fact by the insured, or fraud, either at the time of application or at the time of claim, shall render the entire contract null and void, and any claim submitted thereunder shall not be payable.

Premiums
The total premium amount is due and payable at the time of application. The premium is calculated using the most current rates for the insured's age on the effective date.

Rights of Examination
The claimant shall provide TIC with the opportunity to examine the insured when and so often as it reasonably requires while a claim is pending. In the case of an insured's death TIC may require an autopsy, subject to any laws of the applicable jurisdiction relating to autopsies.

Subrogation (Right of Recovery)
In the event of any payment of benefits under this policy, the insurer shall be subrogated to all the rights of the insured including without limitation, the right to proceed in the insured's name, but at the insurer's cost, against any third party that may be responsible for giving rise to a claim under this policy. The insured shall execute all documents required and shall co-operate fully with the insurer to secure such rights. The insured shall do nothing after the loss to prejudice the insurer's right of recovery.

Time
Expiry time of coverage is the time within the time zone where the insured was residing when the application was made.

REFUNDS

Refunds are prorated according to the period of time insured from the application date when:

1. The insured is unable to travel following cancellation of the insured trip by the travel supplier, provided all penalties are waived.
2. The insured is unable to travel following rescheduling of an insured trip by the travel supplier, provided all penalties are waived.
3. The insured cancels the trip before any penalties come into effect. Premium refunds must be obtained from the agent where coverage was originally purchased unless purchased directly from TIC. There will be no refund of premium if any losses have been incurred whether or not a claim has been made. Premiums which are 100% refundable are charged a $10 administration fee. Partial cancellations are charged a $25 administration fee. These fees are deducted from the net amount to be refunded. Amounts less than $10 will not be refunded.

CLAIMS PROCEDURES

1. Claims must be reported within 30 days of occurrence.
2. Written proof must be submitted within 90 days of occurrence.

Trip Cancellation & Interruption - CLAIM PROCEDURE
Important Notes:

1. If an insured trip must be cancelled, the travel supplier or agent must be notified on the day (or the next business day) that the cause of cancellation occurs. Benefits are limited to the amounts that are non-refundable, at the occurrence date of the 'Insured Risk' that was the cause for cancellation, regardless of the date the trip is cancelled.
2. Any fees for the completion of medical certificates or claims forms are not covered under this insurance. When submitting your claim please include:

When submitting your claim please include:

1. For Trip Cancellation, Interruption and Delay
   1. A fully completed and signed claim form. Incomplete forms will be returned and will delay processing of your claim.
   2. Both the insured and the claimant (if other than the insured) must sign the Authorization and Certification.
   3. A medical certificate completed by the treating physician. A copy of the patient's/deceased's medical records may be required.
   4. If cancellation is due to death, copy of death certificate.
   5. If cancellation is due to any reason other than sickness, injury or death, please contact the TIC Claims Department for detailed claims requirements.
2. Trip Cancellation & Interruption - Prior to Departure (in addition to the requirements for item 1 above)
   1. Itemized copy of the invoice confirming the amount paid for your trip, including the cost of airfare, hotel, taxes, service fees and any other expenses.
   2. Proof of payment such as: a credit card statement, a copy of a cancelled cheque, or copy of the official receipt issued by the travel agency.
   3. Statement of refund from the travel supplier or agent if applicable.
   4. Original unused airline tickets and any other original travel documentation (if you did not get a refund from any other source).
3. Trip Cancellation & Interruption - After Departure (in addition to the requirements for item 1 above)
   1. Original unused airline ticket and passenger coupon of the new replacement ticket purchased to return home.
   2. If only a change fee was charged, receipt showing the amount charged.
   3. For an unused tour, provide a copy of the original invoice, breakdown of unused tour cost, and a copy of the travel itinerary.
   4. Any original receipts for out-of-pocket expenses incurred due to interruption or delayed return.
   5. Any other documentation to support your claim.

Baggage - CLAIMS PROCEDURES
Important Notes:

1. Immediately notify the airline, bus, railroad, hotel or other authorities where the theft occurred and obtain an official report.
2. A police report is required in the event of stolen baggage or personal effects.

When submitting your Baggage claim please include:

1. A completed and signed claim form with a brief explanation of the incident leading to the loss.
2. An itemized list detailing the value of all lost or stolen items, together with proof of ownership such as receipts; photos, credit card statements, owners manuals, etc.
3. Copy of correspondence from any other source which may cover this loss, confirming payment or denying liability.
4. Copy of airline tickets and itinerary confirming departure and return dates.
5. For Baggage delay benefits include original receipts for essential items purchased in the event your baggage is delayed, along with a written report from the airline confirming that your luggage was delayed for 12 hours or more.
6. Any other documents to support your claim.

Flight Accident - CLAIMS PROCEDURES
Important Notes

1. To submit your claim, fill out the claim form completely and include all necessary documents. Incomplete information will cause delay.
2. Any costs incurred for documentation or required reports are the insureds's or claimant's responsibility.

When submitting your Flight Accident claim please include:

1. Fully completed and signed claim form (completed by either the insured person, or in the case of death, by the appointed executor/executrix).
2. Copy of flight itinerary.
3. Copy of incident report from airline or airport.
4. Medical certificate completed by the attending physician or hospital medical records.
5. Death certificate (in the event of death).

Accidental Death & Dismemberment - CLAIMS PROCEDURES
Important Notes

1. To submit your claim, fill out the claim form completely and include all necessary documents. Incomplete information will cause delay.
2. Any costs incurred for documentation or required reports are the insureds's or claimant's responsibility.

When submitting your Accidental Death & Dismemberment claim please include:

1. Police report including any witness' statements, if applicable
2. Coroner's report.
3. Death certificate

All claims forms are available online at: www.travelinsurance.ca or by calling TIC Claims Department.

SUBMIT CLAIMS TO:

For Provinces Manitoba and West

TIC Claims Department
125 - 4400 Dominion Street
Burnaby, BC, Canada V5G 4G3
Collect worldwide: 604-639-8849
Toll free Canada/U.S.A.: 1-800-882-5246

For Provinces Ontario and East

TIC Claims Department
1200 - 438 University Avenue
Toronto, ON, Canada M5G 2K8
Collect worldwide: 416-340-8809
Toll free Canada/U.S.A.: 1-800-869-6747

STATUTORY CONDITIONS

Notwithstanding any other provisions herein contained, this contract is subject to the Statutory Conditions in the Insurance Act respecting contracts of Accident and Sickness Insurance. For Québec residents, notwithstanding any other provisions herein contained, this contract is subject to the mandatory provisions of the Civil Code of Québec respecting contracts of Accident and Sickness Insurance.

In witness whereof, CO-OPERATORS LIFE INSURANCE COMPANY has caused this policy to be signed by its COO and Senior Vice President.

Administered by:

TIC Travel Insurance Coordinators Ltd.
300 - 2609 Westview Drive
North Vancouver, BC
Canada V7N 4M2

Underwritten by:

Co-operators Life Insurance Company
1920 College Avenue
Regina, Saskatchewan
Canada S4P 1C4

EMERGENCY PROCEDURES

We are here to help. Our service is available 24 hours a day, 7 days a week. TIC Emergency Assistance also provides support and recommendations for non-medical emergencies, providing you with access to resources to help resolve any unexpected difficulties you encounter during your trip.

TIC EMERGENCY ASSISTANCE

Toll free Canada/U.S.A.: 1-800-995-1662

Toll free worldwide: 800-842-08420 or 00-800-842-08420

If unable to contact us through the toll free numbers call collect: 416-340-0049

Contact us at www.travelinsurance.ca and initiate your claim and we will contact you.