Endorsement No.1

1. Under the section Eligibility, the following wording has been deleted:
   8. For those persons 70 years of age and over, within the 12 months prior to the date of Application, You have not been ordered by a Physician to take a total of 3 or more medications. This does not include medication taking for thyroid, glaucoma, allergies, eczema, heartburn, menopause, migraines, sleeping disorders or a Minor Ailment. This does not apply to plan option HMC - Emergency Excess Hospital/Medical for travel within Canada.

The Insuring Agreement

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 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.
4. The expenses You incur result from an Acute, sudden and unexpected Emergency.
5. The Emergency first occurs and the Medical Treatment is provided outside Your province or territory of ordinary residence in Canada.
6. 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.
7. For those persons 70 years of age and over, within the 12 months prior to the date of Application, You have not been ordered by a Physician to take a total of 3 or more medications. This does not include medication taken for thyroid, glaucoma, allergies, eczema, heartburn, menopause, migraines, sleeping disorders or a Minor Ailment. This does not apply to plan option HMC - Emergency Excess Hospital/Medical for travel within Canada.

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

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 $500 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.
15. Air Flight Accident Insurance
    Maximum Sum Insured - $100,000.
    Refer to section Air Flight Insurance for details.

Air Flight 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.

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.

General Exclusions

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.
   Applicable to persons 70 to 80 years
   1. On all trip lengths, Pre-existing Conditions must be Stable in the 365 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 one or more of these medications is related to a cardiovascular condition.
   2. 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. On any subsequent covered trip, no coverage will apply unless such medical condition which required the medical attention has remained Stable as follows:
   1. in the 90 days prior to the commencement date of a covered trip for persons 55 years and under;
   2. in the 180 days prior to the commencement date of a covered trip for persons 56 to 69 years of age;
   3. in the 365 days prior to the commencement date of a covered trip for persons 70 to 80 years of age.
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.
10. 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.
11. 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.
12. 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.
13. A trip that is undertaken:
    1. against Physician's advice; or
    2. after diagnosis of a Terminal Condition.
14. 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.
15. A medical condition for which hospitalization could have reasonably been expected.
16. Injury while participating in professional sports. Scuba diving unless designated by internationally recognized and accepted programs (NAUI, PADI).
17. Psychotherapeutic treatment or rehabilitative treatment, psychological, mental or emotional disorders.
18. Coverage commencing after the departure date from Canada unless authorized by Travel Underwriters.
19. Any Elective (non-emergency) Treatment or Surgery.
20. Air ambulance unless arranged and pre-approved by the Company.
21. Expenses incurred after Emergency Air Transportation, when the Emergency Air Transportation was not coordinated and arranged by OneWorld Assist Inc.
22. Treatment or services that contravene any provisions of any provincial Government Health Care Plan of the province or territory in which the Insured resides.
23. 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.
24. 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.
25. 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.
26. 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.
27. Expenses incurred as a result of the Insured's failure to accept or follow the Physician's advice, treatment or recommended treatment.
28. 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.
29. Unless otherwise stated in this Policy (see General Condition, no 2) expenses incurred 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.

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.

Automatic Annual Renewal Option

Refunds

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.
5. 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.
6. 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.
7. 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.

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