The Insuring Agreement

All Inclusive Holiday Package

Eligibility

1. You are named in the completed Application/Declaration.
2. The information provided by You at the time of Application is true and accurate.
3. You have not yet reached the age of 70 years at the time of Application Date of the Policy.

1. You are a resident of Canada, and You must be insured or eligible for benefits under the Government Health Care Plan of the province or territory in which You reside. If You are not insured under the Government Health Care Plan in the province in which You reside, the portion that would have been refunded by the provincial Government Health Care Plan is not a benefit of this Insurance.
2. The expenses You incur result from an Acute, sudden and unexpected Emergency.
3. The Emergency first occurs and the Medical Treatment is provided outside Your province or territory of ordinary residence in Canada.
4. The length of travel out of Your province or territory of ordinary residence does not exceed the number of days selected at the time of Application or authorized extension period.

1. You are a permanent resident of Canada and the departure point or destination of Your trip is Canada

1. You are a permanent resident of Canada; and,
2. the Insurance is purchased prior to leaving for Your trip.

Period of Coverage

1. If purchased after the date of departure from Your province or territory of ordinary residence; or,
2. If the application date is after the date of departure from Your province or territory of ordinary residence; or,
3. If purchased for a trip not originating in Canada.

Validation of Coverage

Emergency Excess Hospital/Medical Insurance

• Worldwide including U.S.A.

1. Emergency Hospital confinement and/or Emergency Medical Treatment by a legally qualified medical Physician or surgeon or a legally qualified anaesthetist for the actual, usual and customary charges for reasonable and necessary Hospital and medical expenses. This expense includes one Follow-up visit (not including ongoing treatment), when the medical process in dealing with the Emergency requires such Follow-up visit. The Follow-up visit must take place within 14 days of the initial Emergency. In the case of Hospital confinement any coverage related to the Hospital confinement terminates upon release from Hospital.
2. Services of a licensed physiotherapist, chiropractor, chiropodist, osteopath and podiatrist for the relief of acute Emergency pain caused by an Accidental Injury, up to a maximum limit of per practitioner. Chiropractic benefits are limited to the initial office visit and treatment.
3. The employment of a registered graduate nurse, including private duty nursing, when such service has been recommended by a legally qualified medical Physician or surgeon and is expressly in lieu of hospitalization.
4. Rental of crutches, splints, trusses, appliances, or a Hospital-type bed, but in no event will the rental amount payable exceed the total purchase price.

1. Ambulance Services
   The services of a licensed ambulance, including mountain and sea rescue, from the scene of the accident or place of onset of the Sickness to the nearest Hospital.
2. Dental Services
   Benefits are payable to a maximum limit of $4,000 per covered trip for an accidental blow to the face requiring the repair or replacement of whole or sound natural teeth. Also, benefits are payable for other Emergency treatment for pain relief, other than a blow to the face, up to a maximum limit of $500. All dental treatment must be initiated within 48 hours from the time the Emergency began and completed no later than 90 days after the treatment has begun.
3. Medicines and/or Drugs
   If Injury or Sickness of an Insured requires drugs or medicines and such drugs or medicines are prescribed and deemed essential by the attending medical Physician following a consultation (oral contraceptives and patent medicines excluded), the Company will reimburse the Insured for the actual expense incurred, during the period in which Insurance is in force hereunder for such drugs or medicines, to a limit for 30 days supply, unless confined to Hospital.
4. Homeward Carriage for Burial
   The Company will pay the expense up to a limit of $10,000 of preparing the deceased for burial and homeward carriage of the body in the event of the death of an Insured during a period in which Insurance is in force hereunder due to Injury or Sickness covered under this section.
5. Cremation Expense
   The Company will pay up to a limit of $4,000 for cremation or burial of the Insured at the place of death, if death results from Injury or Sickness covered under the policy benefits.
6. Emergency Air Transportation
   At the discretion of the Company and coordinated and arranged by OneWorld Assist Inc., medical transport (by the most appropriate means, stretcher accommodation or Emergency air ambulance service, if the condition of the Insured Person prevents the use of other means of transportation) to the nearest medical facility equipped to provide the required treatment or for return to Canada, including any necessary accompaniment; also included will be the cost to return the Insured's travelling companion aboard the medical transport or when space does not permit aboard the medical transport, up to $3,000 for a one-way economy airfare.
7. Return of Vehicle
   If the attending Licensed Medical Physician determines that as a result of Emergency Sickness or Injury, You are incapable of of continuing Your trip by means of the Vehicle used for the trip and Your travelling companion is unable to do so for You, the Company will reimburse the actual reasonable and necessary charges for a commercial agency to return a Vehicle that You own or rent to either Your home or the nearest appropriate vehicle rental agency. The maximum benefit payable is limited to the amount it would cost the Insurer to return Your Vehicle, but in no event will the maximum benefit payable exceed $4,000.
8. Return of Insured to U.S.A.
   If by virtue of emergency air evacuation, which was arranged and coordinated by OneWorld Assist Inc. in order to obtain medical care in Canada, the Insured wishes to return to his destination in the U.S.A., the Company will pay the costs of a one-way economy airfare to the city from where the air evacuation commenced. This benefit is in lieu of the Return of Vehicle benefit as above. It is only available to those persons who have been air evacuated under the terms and conditions of this Policy and can only be offered once during the same covered trip, and cannot exceed Your original expected return date. The air evacuation occasioning this benefit cannot originate within Canada.
9. Airfare to Return Home
   If, in the event of a medical Emergency, the Insured elects to return to Canada for treatment saving the Insurer the cost of Medical Treatment in the U.S.A., the Company will reimburse the cost of a one-way economy airfare home, by the most direct route, for the Insured and one travelling companion to a maximum of $4,000. Documentation is required to validate claim. This benefit is in lieu of the Return of Vehicle benefit and Return of Insured to U.S.A. benefit as above.
10. Family Transportation
    The Company will reimburse one economy return airfare or other transportation costs by the most direct route in the event Sickness or Injury confines the Insured to Hospital as an in-patient and the attending Physician advises the necessary attendance of a family member, and up to a maximum of $100 per day for meals and accommodation. This benefit is payable only if the expense has been coordinated, arranged and approved by OneWorld Assist Inc.
11. Out-of-Pocket Expenses
    The Company will reimburse up to $400 per day to a maximum of $4,000 (receipts required) per covered trip in the event an Insured or travelling companion is confined to Hospital on the date on which he or she is scheduled to return to Canada for reasonable and necessary accommodation, meals, telephone calls, taxi or bus fare and child care costs (excluding child care provided by a parent or legal guardian) for dependents up to the age of 18 years.
12. Escort of Insured Children
    In the event an Insured Person has been air evacuated to Canada for medical reasons, the Company will pay the economy class airfare to return an accompanying Insured child/children (up to the age of 18 years) to the original point of departure. The Company will also pay for an escort to accompany the children when necessary. This benefit is payable only when approved and arranged by OneWorld Assist Inc.
13. Hospital Allowance
    Expenses of $50 per day to a maximum of $500 are allowed to cover incidental hospital charges, which are billed by the Hospital, such as T.V. rental, telephone charges.
14. Return of Accompanying Dog or Cat
    In the event You are medically air evacuated back to Canada, the Company will reimburse up to a maximum of $300 for the cost of returning Your accompanying dog or cat to Canada.

Baggage, Personal Effects and Currency Insurance

1. Notice of Loss - If the insured property shall be lost or damaged through perils insured against, the Insured shall notify Lloyd's Underwriters within 30 days of return from journey and take all reasonable measure to protect, save and/or recover the same. At the time of loss the Insured must immediately notify either police, hotel proprietors, steamship lines, railroad or station authorities, airlines or any other carrier or bailee in whose custody the property was at the time of loss, damage or theft. This Insurance is conditional upon compliance by the Insured with this clause.
2. Settlement of Loss - Any claim recoverable hereunder for damage and/or destruction shall be adjusted and paid immediately upon presentation of evidence substantiating such damage and/or destruction, and any claim recoverable hereunder for lost property shall be adjusted and paid upon failure to recover the property lost after the lapse of 7 days, providing the Insured shall present documentation substantiating such loss and values involved.
3. Valuation - Lloyd's Underwriters shall not be liable beyond the actual cash value of the property at the time any loss or damage occurs and the loss or damage shall be ascertained or estimated according to such actual cash value with proper deduction for depreciation, however caused, and shall in no event exceed what it would then cost to repair or replace the same with material of like kind and quality.
4. Reduction in Amount of Insurance - The amount of Insurance and the applicable limit of liability, upon the occurrence of any loss covered hereunder, is reduced by the amount of such loss.

1. Up to the Sum Insured for loss or damage to baggage and/or personal effects.
2. Up to $100 for theft or robbery of personal currency (excluding mysterious disappearance; police report required).
3. Up to $200 to purchase necessities if flight is delayed beyond 12 hours (requires original receipts and airline confirmation of delay).

Air Flight/Common Carrier/24-Hour Accident Insurance

1. Riding as a fare-paying passenger, entering or leaving an airplane or helicopter flight lawfully operated by a licensed public air common carrier.
2. Riding as a fare-paying passenger, entering or leaving a lawfully operated licensed public Common Carrier other than an air common carrier.

1. 100% of the Sum Insured for Loss of life, double dismemberment or Loss of sight in both eyes.
2. 50% of the Sum Insured for single dismemberment or Loss of sight in one eye.

Trip Cancellation/Trip Interruption Insurance

1. Sickness, Injury, death or quarantine of the Insured or a Travelling Companion.
2. Sickness, Injury, death or quarantine of the Insured's Immediate Family or the Travelling Companion's Immediate Family.
3. Death or hospitalization of a business partner, or key employer/employee. Death or admission to hospital must occur either 10 days prior to Departure Date or anytime during the Insured Trip (hospital records and/or death certificate required).
4. Death or hospitalization of host at final destination (hospital records and/or death certificate required).
5. A natural disaster which renders the Insured's principal residence uninhabitable.
6. Hijacking in which Insured is a victim.
7. Missed Connection - if journey includes a regularly scheduled 2 or more hours connection on an airline, ship, train or bus and this connection is missed due to weather conditions or mechanical failure of Your carrier (supporting documentation required).

1. Job transfer which results in the relocation of Your principal residence of at least 160 km and within 30 days of departure or return (self-employment not applicable).
2. An accident on the way to the point of departure involving a private passenger automobile or Common Carrier in which the Insured was a passenger (police report required).
3. A travel advisory, issued by the Canadian Government after the date premium is paid, recommending that, on the Contracted dates, Insureds do not travel to the Contracted destinations.
4. An Insured or Travelling Companion being subpoenaed, after the date premium is paid, for jury duty, as a witness or required to appear as a defendant in a civil suit during the period of travel (excluding law enforcement officers).
5. Involuntary job loss of permanent employment provided Insured or Travelling Companion have been continuously employed by the same employer for more than one year prior to job loss.
6. The non-issuance of Your or Your Travelling Companion's travel visa for reasons beyond Your or Your Travelling Companion's control. This does not include an immigration or employment visa.

1. Reimbursement of non-refundable prepaid airfare and/or prepaid travel arrangement costs that cannot be recovered from another source, as a result of a Covered Risk.
2. Reimbursement of the additional single supplement accommodation expense in the event the Travelling Companion cancels due to a Covered Risk.

1. Reimbursement of the extra cost of a one-way economy airfare return to the original Contracted point of departure and/or unused non-refundable land or sea arrangements to return earlier or later than the Contracted return date.
2. Reimbursement of reasonable transportation catch-up costs to rejoin a tour if a portion was missed.
3. Reimbursement of the costs incurred for preparation and return of the remains of a deceased Insured (excluding casket) up to $10,000 or up to $4,000 for the actual costs of local burial or cremation.
   
   In the event Your return is delayed:
4. Reimbursement of reasonable out-of-pocket expenses up to a limit of $350 per day to a maximum of $1,500 for commercial accommodation, meals, telephone and facsimile charges and taxi expenses (receipts required).

1. Reimbursement of Your non-refundable prepaid airfare costs unless already covered under another Benefit of this Policy.

1. It is a condition precedent to liability that at the time of application no circumstance is known which might reasonably be expected to prevent travel as booked.
2. No claims will be considered unless the original unused transportation ticket(s) are provided to the Insurer.
3. If Your Insured Trip is cancelled because of Sickness or Injury the patient must consult a Physician on or before Your departure date but in all cases prior to the date and time of cancellation. If Your Insured Trip is interrupted or delayed for Sickness or Injury, the patient must consult a Physician on or before the date of interruption or delay. In either case, You must provide a medical certificate completed by the Physician that includes: a complete diagnosis, the date of onset of the condition, the dates and type of treatment, and the medical necessity of cancelling, delaying or interrupting Your Insured Trip. If a Physician was not consulted as required or if You cannot provide the complete written certificate, Your claim shall be denied. Your claim must also include original unused tickets, copies of substitute transportation tickets and travel agent or tour operator invoices (if applicable).
4. If Your Contracted travel dates change, You must notify the Company of Your new travel dates. Failure to do so may result in denial of Your claim.

1. When the reason for cancellation occurs prior to departure, You must:
   1. cancel the travel arrangements with the travel agent or airline on the day the reason for cancellation occurs or on the next business day; and
   2. advise OneWorld Assist Inc. at the same time.

General Exclusions

1. 1. war, civil war, riot, rebellion, insurrection, revolution, invasion, hostilities or warlike operations (whether war be declared or undeclared), civil commotion, overthrow of the legally constituted government, military or usurped power, explosions of war weapons, utilization of nuclear, chemical or biological weapons.
   2. death or disablement in any way caused or contributed by radioactive contamination.
   3. any action taken in controlling, preventing or suppressing any, or all of a) and b) above.
2. Suicide, attempted suicide, or self-inflicted injury, or the commission or attempted commission of any criminal/criminal-like act by the Insured, an Immediate Family member or a Travelling Companion.
3. Pregnancy, complications thereof, childbirth or complications thereof, occurring within the last 9 weeks immediately before or after the expected date of delivery or where the Insured Person is travelling against Physician's advice.
4. A trip that is undertaken:
   1. against Physician's advice; or
   2. after diagnosis of a Terminal Condition.
5. Any condition or recognized complication of a condition, where the purpose of Your trip is to seek Medical Treatment or advice for that condition, and where it can be reasonably shown that the Medical Treatment received is related to that condition.
6. A medical condition for which hospitalization could have reasonably been expected.
7. Injury while participating in professional sports. Scuba diving unless designated by internationally recognized and accepted programs (NAUI, PADI).
8. Psychotherapeutic treatment or rehabilitative treatment, psychological, mental or emotional disorders.
9. Coverage commencing after the departure date from Canada unless authorized by Travel Underwriters.
10. Any Elective (non-emergency) Treatment or Surgery.
11. Air ambulance unless arranged and pre-approved by the Company.
12. Expenses incurred after Emergency Air Transportation, when the Emergency Air Transportation was not coordinated and arranged by OneWorld Assist Inc.
13. Treatment or services that contravene any provisions of any provincial Government Health Care Plan of the province or territory in which the Insured resides.
14. Treatment, service or prescriptions required for ongoing care, check-ups, or provided in a psychiatric hospital, chronic unit of a general hospital, convalescent or nursing home, health spa, or rehabilitation centre.
15. The consumption or abuse of any alcohol, drugs, or medication, or any event, act or omission caused or contributed to by any consumption or abuse of alcohol, drugs or medication.
16. A condition arising out of or resulting from Acquired Immune Deficiency Syndrome ("AIDS") or AIDS Related Complex ("ARC") if the condition first manifested itself prior to the Effective Date of Coverage or if the condition arose out of Acquired Human Immunodeficiency Virus ("HIV") which had first manifested itself prior to the Effective Date.
17. Any Medical Treatment which is a continuation of, or subsequent to an Emergency Sickness or Injury, unless You are declared medically unfit to return to Your province or territory of ordinary residence.
18. Expenses incurred as a result of the Insured's failure to accept or follow the Physician's advice, treatment or recommended treatment.
19. This Policy does not provide reimbursement for Eligible Medical Expenses or Additional Benefits once the Emergency ends and in the opinion of the attending Licensed Medical Physician or dentist You are able to travel home to Your province or territory of ordinary residence for all or part of treatment relating to that Emergency.
20. Unless otherwise stated in this Policy (see General Condition, no. 2) expenses if other insurance policies, plans or contracts, including any private or provincial automobile insurance, cover the loss. If, however, the loss exceeds the limits of the other policies, plans or contracts in dollar or day value, this Insurance shall then apply in excess of all other valid insurance.

1. Any Pre-existing Condition as defined, except as follows:
   Applicable to persons 55 years and under
   1. On trips 28 days and less, except for conditions where symptoms arose or medical consultation was required within 7 days prior to departure, with the exception of a Minor Ailment.
   2. On trips over 28 days, any condition which has remained Stable in the 90 days prior to the commencement date of a covered trip.
   Applicable to persons 56 to 69 years
   1. On trips 14 days and less, except for conditions where symptoms arose or medical consultation was required within 7 days prior to departure, with the exception of a Minor Ailment.
   2. On trips over 14 days, any condition which has remained Stable in the 180 days prior to the commencement date of a covered trip.
2. Sickness when the appropriate and applicable discount for the Accident Only Coverage option is chosen as indicated on the Application/Declaration.
3. A cardiovascular condition for persons 65 years and over if:
   1. you are taking a total of 3 or more medications that have been ordered by a Physician, other than medication taken for high blood pressure, and
   2. one or more of these medications is related to a cardiovascular condition.
   Medication taken for thyroid, glaucoma, allergies, eczema, heartburn, menopause, migraines, sleeping disorders or a Minor Ailment, are not considered unless these medications are taken as a result of a cardiovascular condition.
4. Any condition(s) for which the Insured is registered on a Canadian hospital list waiting to receive treatment.
5. Conditions or any related conditions for which, prior to departure, tests and investigative consultation took place, was scheduled to take place or was recommended, and for which results had not yet been received at the time of departure.
6. Tests and investigative consultation including, but not limited to biopsies, except when performed at the time of Emergency Sickness or Injury.
7. Loss of or damage to eyeglasses, contact lenses, prosthetic devices, hearing aids.
8. Any subsequent claim of the same medical condition with respect to a Sickness or Injury which occurred during the effective term of this Insurance and for which a claim has already been paid or is pending.
9. The first $250 USD of the eligible expenses per Insured Person, per covered claim unless You have paid the zero deductible surcharge at the time of Application. This exclusion applies to the portion of eligible expenses remaining after payment by Your provincial Government Health Care Plan or other insurance policies, plans or contracts, including private or provincial automobile insurance. This exclusion does not apply to plan option HMC - Emergency Excess Hospital/Medical for travel within Canada.

1. Animals; self-propelled conveyances of any kind or their equipment; trailers, boats, motors, aircraft or other conveyances or their appurtenances; bicycles except while checked as baggage with a common carrier; household effects and furnishings; artificial teeth and limbs; hearing aids; eye glasses, contact lenses; money (except as provided for personal currency), securities, tickets and documents; professional or occupational equipment or property; personal computers, software, pagers or cellular phones, antiques and collectors items; property illegally acquired, kept, stored, or transported; works of art, jewellery, furs, cameras or camera equipment.
2. Loss or damage caused by wear and tear, deterioration, moths or vermin.
3. Property insured under other insurance.

1. Cancellation or interruption caused by or related to a circumstance known to You prior to the date the Trip is booked or prior to purchase of the Policy, whichever occurs later, and which might reasonably be expected to prevent or interrupt travel as booked.
2. A Sickness claim occurring within 72 hours after the purchase of the Policy if the Policy was purchased more than 72 hours after the transportation and/or commercial accommodations are booked.
3. Any Pre-existing Condition of the Insured, Travelling Companion or key employer/employee of either, or Immediate Family member(s), business associate or host at destination, unless the Pre-existing Condition has remained Stable in the 60 days prior to the date when premium is paid.
4. Travel to visit an ailing Family Member and the medical condition (or ensuing death) of that Family Member is the cause of the claim.
5. Insurance issued or booked after the initial deposit for the trip is paid or after the date any cancellation penalties have been incurred.
6. Travel arrangements for which no premium was paid before departure.
7. The non-issuance of a travel visa due to late visa application.
8. Terrorist Activity.

General Conditions

1. Qualification, Misrepresentation and Fraud - The coverage under this Policy shall be void if an Insured does not meet the eligibility requirements for the plan selected as set out in the Application/Declaration. The eligibility requirements are material to the risk for which insurance is sought. In addition, the coverage under this Policy shall be void if, before or after a loss, the Insured or his or her representative misrepresents, conceals or fails to disclose any material fact or matter, or if there is any fraud or false swearing by the Insured or his or her representative, pertaining to the Insured or any claim under this Policy.
2. Subrogation - The Company will not subrogate against any employment plans if the lifetime maximum limit for all in-country and out-of-country benefits is $100,000 or less. If the Insured shall acquire any right of action against any person, firm or organization for loss covered hereunder, the Insured shall, if requested by the Company or Travel Underwriters or OneWorld Assist Inc., assign and transfer such claim or right of action to the Company and will permit suit to be brought in the Insured's name under the direction and expense of the Company. The Insured shall do nothing after loss to prejudice such rights.
3. Misstatement of Age - If the age of the Insured Person has been misstated to the Company the coverage and/or premium may be adjusted in accordance with the correct age as of the date You became covered. Any premium adjustment is payable upon receipt of a premium notice.
4. Due Diligence - You must act at all times so as to minimize the costs to the Company.
5. Currency - Any dollar expressed as a limit of coverage or benefit payable under this Policy is deemed by the Company to be in Canadian currency.
6. In the event of a claim, the Insured may be required to establish the date of departure and initially planned date of return of the trip in order to comply with the Terms of the Policy.
7. The Insured claimant must be able to furnish, if required by the Company or Travel Underwriters or OneWorld Assist Inc., medical records for the period prior to the Effective Date of the Insurance. Failure to produce these records may invalidate claim.
8. Extensions to the Insurance term can only be considered when the Company is contacted prior to Expiry Date. Any extension not authorized by Travel Underwriters will be considered void.
9. In the event of unresolved disputes respecting any claim or portion thereof, the following should be contacted: Travel Underwriters, 11th Floor, 6081 No. 3 Road, Richmond, BC V6Y 2B2.
10. The availability, quality, results or effects of any medical treatment assistance, hospitalization, transportation or failure of an Insured Person to obtain any of the above, is not the responsibility of either the Company or Travel Underwriters or any company or agency providing services on their behalf.
11. The Company reserves the right to limit the requested duration of coverage to whatever duration the premium paid would have purchased, if payment received is insufficient.
    If You paid insufficient premium, the duration of coverage will be decreased to the period that would have been provided for Your age category. Where no age is provided, the highest premium for that length of trip applies.
12. The Company reserves the right to accept or to decline any person as an Insured.
13. OneWorld Assist Inc. has been appointed by the Company to be the sole provider of all assistance and claims processing services.
14. The Company and OneWorld Assist Inc. shall comply with all applicable privacy legislation and regulations.
15. The Company shall not be liable for any expense incurred after a period of 365 days has elapsed following the date on which the Emergency first occurred or commenced during the Period of Coverage.
16. This Policy does not provide reimbursement for any eligible expenses if information provided at the time of application is not true and accurate.

Automatic Extensions to Coverage

1. for 72 hours in the event a Delayed Common Carrier prevents You from returning to Your province or territory of ordinary residence; or,
2. if You are Hospitalized during the term of this Policy, for the period of Hospital confinement plus 72 hours after release for You to travel home.

Extensions to Policy

1. THE INSURED MUST CALL Travel Underwriters as close as possible to the Expiry Date and/or end of Period of Coverage to arrange for extension of the Policy. An extension fee will be charged to cover the administrative costs.
2. Extensions will not be issued or authorized if the Insured Person has seen a Physician since the departure date.
3. Extensions will not be issued or authorized if a claim has been made or it is known that a claim will be made.
4. Extensions will not be issued or authorized if the Policy or Period of Coverage has already expired.
5. Extensions are not available if total trip length exceeds 2 years from the Effective Date of the original Policy.

Refunds

1. the tour operator (airline etc.) cancels the trip and all penalties are waived; or,
2. the client cancels the trip prior to the Effective Date of any cancellation penalties; or,
3. the tour operator changes the travel date and if the client is unable to travel on the new dates, the tour operator waives all cancellation penalties.

Definitions

1. not required for the immediate relief of Acute pain and suffering; or,
2. which reasonably could be delayed until the Insured returns to Canada (for Visitors to Canada - country of residence); or,
3. which the Insured elects to have provided during the Insured Trip following Emergency Medical Treatment of a medical condition or the diagnosis of a medical condition, which on medical evidence would not prevent the Insured from returning to Canada (for Visitors to Canada - country of residence) prior to such treatment or surgery.

1. the unchanged use of prescribed drugs or medication for a Stable condition, symptom or problem; or,
2. a check-up where the Physician observes no change in a previously noted condition, symptom or problem.

Statutory Conditions

1. the claimant must afford to the insurer an opportunity to examine the person of the person insured when and so often as it reasonably requires while the claim under this contract is pending, and
2. in the case of death of the person insured, the insurer may require an autopsy subject to any law of the applicable jurisdiction relating to autopsies.

How to Claim

1. Any notices of claim or correspondence concerning a claim should be promptly sent to:
   OneWorld Assist Inc.
   11th Floor, 6081 No. 3 Road
   Richmond, BC V6Y 2B2
   
2. Claim Forms will be provided to the claimant for completion and return to OneWorld Assist Inc. It is the responsibility of the claimant to complete and/or produce any documentation required by OneWorld Assist Inc. to enable them to process and confirm the eligibility of the claim.
3. Any cost incurred by OneWorld Assist Inc. in obtaining further documentation required to confirm eligibility of Your claim is also the responsibility of the claimant.
4. All claims must be submitted within six months of occurrence. Failure to do so will result in denial of the claim.

1. OneWorld Assist Inc. will submit a claim for medical expenses to Your provincial Government Health Care Plan office PROVIDED THAT the Claim Form, as well as the appropriate Provincial Assignment Form are completed in full and forwarded together with receipts from legally qualified medical Physicians or Hospitals along with medical certificate(s) from attending Physician(s) within the timeframe provided. The claim must be submitted to Your provincial Government Health Care Plan offices within 90 days from the date of service. If You fail to meet this time line, You will be responsible for the provincial Government Health Care Plan portion.
2. Claims will not be considered unless the Claim Form is completed in full and signed by the claimant. The Certificate of the Canadian Physician must be completed and returned to OneWorld Assist Inc. at their request. Failure to provide fully completed forms may invalidate Your claim.
3. Only bills from Physicians, Hospitals and other medical care providers which are original itemized and which state the Insured's name, diagnosis, date(s) of service and type of treatment or service will be considered. Only original pharmacy prescription receipts will be considered.

1. If baggage is lost or stolen the proper authorities must be immediately notified - police, hotel proprietors, tour operators, airlines or authorities of other modes of transportation. A copy of this notice and/or Police Report is necessary to substantiate claim.
2. If baggage is damaged, a written estimate to repair damaged luggage from a repair shop of Your choice (if under $25, please have repairs completed and forward the invoice to us) is necessary to substantiate claim.
3. If baggage is delayed, itemized and dated receipts of actual expenses incurred, a copy of the baggage claim ticket, a copy of the airline ticket and verification by the airline of the duration of the delay are necessary to substantiate claim.

1. To receive benefits, the following documents must be submitted along with Your notice of claim:
   1. The original unused airline ticket and/or all additional travel tickets purchased to return home or to rejoin the tour.
   2. Itemized travel agency dated invoices showing full payment, taxes and premiums paid for Your trip.
   3. A statement from the travel agency/airline/tour operator documenting refunds provided for cancelled or unused land and sea services.
   4. If claim occurred after the trip began, a medical certificate completed by the attending medical Physician at the place where the illness occurred, stating the diagnosis, date(s) of service and the reason why travel was not possible.
   5. If the claim occurred prior to departure, a medical certificate provided by the medical Physician at the time of consultation prior to the departure date, stating the diagnosis, date of onset of the condition, dates and type of treatment, and the reason why travel was not possible.

International Assistance Services

1. Toll-free Help Line 24 hours a day, every day.
2. Vital communications link between claimant/Hospital and Insurance coverage and procedures.
3. Medical (Physician and surgeon) consultative and advisory services including review of appropriateness and analysis of medical care.
4. Monitoring of progress during treatment and recovery.
5. Establishing contact with family, personal Physician and/or employer as appropriate.
6. Multi-lingual capabilities.
7. Coordination of payments.
8. Special assistance respecting claims.
9. Management, arrangement and authorization of Emergency medical evacuation.
10. Arrangement and coordination of repatriation of remains.
11. Interpretation of policy wordings.
12. Assistance in locating the nearest and most appropriate medical care.
13. Payment to Hospitals and other medical providers for Eligible Medical Expenses will be guaranteed where possible relieving claimant of credit responsibilities.
14. Travel arrangements assistance for family.
15. Provision of medical assistant to travel with claimant when necessary.
16. In addition to doctors, Hospitals/administrators and ambulance, arrangements and communications are concluded on behalf of Insured Persons with:
    

    	Consulates	Travel Agents
    	Embassies	Tour Guides
    	Airlines	Police
    		Foreign Affairs Department