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.

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

Period of Coverage

Validation of Coverage

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.

Exclusions

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.
9. 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
10. 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.
11. 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.
12. A trip that is undertaken:
    1. against Physician's advice; or
    2. after diagnosis of a Terminal Condition
13. 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.
14. A medical condition for which hospitalization could have reasonably been expected.
15. Injury while participating in professional sports. Scuba diving unless designated by internationally recognized and accepted programs (NAUI, PADI).
16. Psychotherapeutic treatment or rehabilitative treatment, psychological, mental or emotional disorders.
17. Coverage commencing after the departure date from Canada unless authorized by Travel Underwriters.
18. Any Elective (non-emergency) Treatment or Surgery.
19. Air ambulance unless arranged and pre-approved by the Company.
20. Expenses incurred after Emergency Air Transportation, when the Emergency Air Transportation was not coordinated and arranged by OneWorld Assist Inc.
21. Treatment or services that contravene any provisions of any provincial Government Health Care Plan of the province or territory in which the Insured resides.
22. 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.
23. 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.
24. 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.
25. 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.
26. Expenses incurred as a result of the Insured's failure to accept or follow the Physician's advice, treatment or recommended treatment.
27. 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.
28. 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

PROVISIONS AND 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

This Policy, after termination of any one Period of Coverage, will be automatically extended:
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

Refunds are not available except as follows:
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.
Trip Interruption
Refunds are not available except when the coverage is cancelled prior to Your departure date.
Applicable to Partial Refunds
A written request for refund, including proof of return to province or territory of residence must be sent to Travel Underwriters. Refunds will be calculated from the date of return.
All refund requests must be received by Travel Underwriters no later than 30 days after the Insured's actual return date. All refunds will be subject to a cancellation administration fee.

Applicable to All Plans
Refunds are not available if a claim has been or will be submitted.
SPECIAL NOTICE
Notice to the Insured, Physicians and Hospitals: It is a condition of the Insurance that in the event of medical Emergency due to Sickness or Injury which may require or result in hospitalization, the Insurer must be notified as soon as possible by calling toll-free 1-800-663-0399 (in Canada & U.S.A.), 001-800-514-9976 (in Mexico) or 604-278-4108 (collect call Worldwide) or 800-663-00399* (outside North America and Mexico). * To use this Global Toll-Free service, first dial the international access code for the country You are in, then enter the 11-digit toll-free number as shown above. Service not available in all countries. If You encounter problems accessing this service, please call us collect at 604-278-4108.

This Document of Insurance covers Emergency services only and claim may be invalid if an Insured is able to travel home for all or part of treatment.



Definitions

"Accidental Bodily Injury" or "Injury" means bodily Injury which occurs while Insurance under this Policy is in force, caused by violent external and accidental means, but does not include any Injury caused by an event, act or omission which was caused or contributed to by the consumption of or abuse of any alcohol, drugs or medication by an Insured Person.
"Acute" means initial or Emergency short course (not chronic) treatment phase of a Sickness or Injury, as defined.
"Company" means Industrial-Alliance Pacific Life Insurance Company and certain Lloyd's Underwriters, severally and not jointly.
"Contracted" means specified in the travel documents for the Insured Trip with respect to any destination, date and time/place of arrival or departure.
"Delayed Common Carrier" or "Delayed" means delay solely due to an unannounced and unpublished strike, weather conditions or hijacking. Such delay coverage does not include loss from or contributed by: a)detention by customs officials, b)war, c)air traffic delays caused by congestion in the skies; and d)mechanical breakdown.
"Designated Representative" means an appointed agent of Travel Underwriters.
"Elective (non-emergency) Treatment or Surgery" means any treatment, investigations or surgery either:
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.
"Eligible Medical Expenses" means those categories of expenses which are detailed under this heading in this Policy.
"Emergency" means an unforeseen Sickness or Injury, which requires immediate Medical Treatment to alleviate existing danger to life or health. An Emergency no longer exists, when the medical evidence indicates that You are able to continue the trip or return to Your province or territory of ordinary residence, for Visitors to Canada Your country of residence. Once such Emergency ends, no further benefits are payable in respect of the condition which caused the Emergency.
"Family" means a person aged 59 years and under plus that person's legal or common-law spouse, if aged 59 years and under, and unmarried, dependent children if aged 21 years and under living in the same household as the Insured. All insured Family members must be named in the Application/Declaration pertaining to and forming part of this Policy.
"Follow-up" means re-examination of the Insured to monitor the affects of earlier Medical Treatment related to the initial Emergency, except while Hospitalized. Follow-up does not include further diagnostic or investigative testing related to the initial Emergency.
"Hospital" means an incorporated or licensed Hospital having accommodations for resident bed patients, a laboratory, a registered graduate nurse always on duty and an operating room where surgical operations are performed by a legally qualified Physician, or Physicians, but in no event shall this include a convalescent or nursing home or home for the aged or health spa, or drug rehabilitation facility.
"Injury" means bodily Injury caused by an accident received after the Effective Date and while Insurance under this Policy is in force.
"Insured" or "Insured Persons" means the Insured and all Family members named in the Application/Declaration attached to and forming part of this Policy.
"Licensed Medical Physician" or "Physician" means a medical Physician who is currently registered and licensed in accordance with the regulations applying in the jurisdiction where the Physician practices.
"Medical Treatment" means any reasonable medical, therapeutic or diagnostic measure prescribed by a medical Physician in any form including prescribed medication, reasonable investigative testing, Hospitalization, surgery or other prescribed or recommended treatment directly referable to the condition, symptom or problem. Medical Treatment does not include either:
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.
"Minor Ailment" means a condition which did not require the use of medication for a period of greater than 30 days, which did not require Follow-up or referral visit to a Physician, or which did not require hospitalization or surgical intervention.
"Pre-existing Condition" means a medical condition, illness or Injury known to the Insured Person, and for which an Insured Person has received medical consultation, diagnosis, and/or Medical Treatment by a Physician prior to the commencement date of a covered trip and includes a medically recognized complication or Recurrence of a medical condition.
"Professional" means any person who earns the majority of their income from a sporting activity.
"Recurrence" means the appearance of symptoms caused by or related to a medical condition which was previously diagnosed by a Physician or for which Medical Treatment was previously received.
"Renewal Date" means the date one year from the Effective Date as indicated in the Application or Declaration.
"Sickness" means the Acute illness requiring immediate Emergency treatment as a result of a sudden onset of symptoms manifested while Insurance under this Policy is in force, but does not include any illness or symptoms caused or contributed to by the consumption or abuse of any alcohol, drugs or medication by an Insured Person. Refer to Definitions Stable condition, Emergency and Pre-existing Condition.
"Stable" means the medical condition is not worsening and there has been no alteration* in any medication for the condition or its usage or dosage, nor any Medical Treatment prescribed or recommended by a Physician or received, within the period specified in this Policy before the commencement date of a covered trip.
*Alteration includes an increase or decrease in medication dosage, usage or a change in medication type, but does not include changes in brand due solely to the availability of Your usual brand or due to government regulations regarding reference-based pricing.
"Terminal Condition" means a medical condition which, in the opinion of a Licensed Medical Physician, indicates a restricted life expectancy.
"Vehicle" means the automobile, R.V., boat or other land or water conveyance used for the Insured Trip.
"You" or "Your" means the same as Insured or Insured Persons.

Applicable to Trip Cancellation/Trip Interruption Insurance
"Application Date" means the date when premium is paid.
"Immediate Family" or "Family Member" means (whether by birth, adoption or marriage) the Insured's legal or common-law spouse/partner, parents, step-parents, brothers, sisters, in-laws of the foregoing, natural or adopted child, stepchildren, stepbrother or stepsister, grandparents, grandchildren, aunts, uncles, nieces, nephews, or any individual of whom the Insured is a legal guardian.
"Injury" means accidental bodily Injury.
"Insured Trip" means the period of travel for which prepaid travel arrangements, contracted for by the Insured, for which an insurance premium under this Policy has been paid.
"Sickness" means an Acute illness requiring immediate Emergency treatment as a result of a sudden onset of symptoms, but does not include any illness or symptoms caused or contributed to by the consumption or abuse of any alcohol, drugs or medication by an Insured Person.
"Terrorist Activity" means an act, or acts, of any person, or group(s), committed for political, religious, ideological, ethnic or similar purposes with the intention to influence any government and/or but not be limited to, the use of force or violence and/or the threat thereof. Furthermore, the perpetrators of terrorist activity can either be acting alone, or on behalf of, or in connection with any organization(s) or government(s).
"Travelling Companion", means a person who has prepaid accommodation or transportation with the Insured for the same Insured Trip (maximum 4 persons including the Insured)



Statutory Conditions

The contract
The application, this policy, any document attached to this policy when issued, and any amendment to the contract agreed on in writing after the policy is issued constitute the entire contract, and no agent has authority to change the contract or waive any of its provisions.
Waiver
The insurer is deemed not to have waived any condition of this contract, either in whole or in part, unless the waiver is clearly expressed in writing signed by the insurer.
Copy of application
The insurer must, upon request, furnish to the insured or to a claimant under the contract a copy of the application.
Material facts
A statement made by the insured or person insured at the time of application for this contract must not be used in defence of a claim under or to avoid this contract unless it is contained in the application or any other written statements or answers furnished as evidence of insurability.
Notice and proof of claim
Notice of a claim shall be given in accordance with the claims procedures clause included in this policy as soon as practical but in no case later than 30 days from the date a claim arises under this policy. You must also within 90 days from the date the claim arises under this policy furnish such proof and additional information as is reasonably possible and if required by the company, furnish a certificate from a licensed medical physician detailing the cause or nature of the sickness or injury for which the claim has been instituted.
Failure to give notice or proof
Failure to give notice of claim or furnish proof of claim within the time prescribed by this statutory condition does not invalidate the claim if the notice or proof is given or furnished as soon as reasonably possible, and in no event later than one year from the date of the accident or the date a claim arises under the contract on account of sickness or disability if it is shown that it was not reasonably possible to give notice or furnish proof within the time so prescribed.
Insurer to furnish forms for proof of claim
The insurer must furnish forms for proof of claim within 15 days after receiving notice of claim, but if the claimant has not received the forms within that time the claimant may submit his or her proof of claim in the form of a written statement of the cause or nature of the accident, sickness or disability giving rise to the claim and of the extent of the loss.
Rights of examination
As a condition precedent to recovery of insurance moneys under this contract,
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.
Limitation of actions
An action or proceeding against the company for recovery of a claim under this policy shall not be commenced more than one year** after the date the eligible medical expense became reimbursable or would have become reimbursable if it had been a valid claim.
**Three years in the province of Quebec.

Applicable to Saskatchewan residents
Notwithstanding any other provisions herein contained, this contract is subject to statutory conditions in Saskatchewan Insurance Act respecting contracts of accident insurance.
Applicable to Quebec residents
When the construction of this policy is governed by the law of the Province of Quebec, statutory conditions shall refer to the applicable provisions in the laws of the Province of Quebec.
SEVERAL LIABILITY NOTICE
The liabilities of the insurers listed in the definition of Company are several and not joint, and are limited to the extent of their respective subscriptions to the risks that are insured by this policy. Each insurer is not responsible for the subscription of the other insurers.
IDENTIFICATION OF LLOYD'S UNDERWRITERS
This insurance has been effected in accordance with the authorization granted to the undersigned by certain Lloyd's Underwriters, whose names and the proportions underwritten by them can be ascertained by reference to Agreement Number RC789107, which bears the seal of Lloyd's Policy Signing Office and has been certified by the Attorney In Fact in Canada for Lloyd's Underwriters and may be seen at the office of the undersigned. The Underwriters identified in that contract shall be liable hereunder each for his own part and not one for another in proportion to the several sums subscribed by each of them in that contract.
ACTION AGAINST COMPANY
In any action to enforce the obligations of the Lloyd's Underwriters liable hereunder they may be designated or named "Lloyd's Underwriters" and such designation shall be binding on the Lloyd's Underwriters liable hereunder as if they had each been individually named as a defendant. The other insurers listed in the definition of Company shall be named as defendants in the manner set out in that definition. Service of legal proceedings to enforce the obligations under this policy of the insurers listed in the definition of Company may be validly made by serving the offices of North American Air Travel Insurance Agents Ltd. d.b.a. Travel Underwriters, a licensed insurance broker, 11th Floor, 6081 No. 3 Road, Richmond, British Columbia V6Y 2B2.
NOTICE TO COMPANY
Notice under this policy to any of the insurers listed in the definition of Company may be validly given to North American Air Travel Insurance Agents Ltd. d.b.a. Travel Underwriters, a licensed insurance broker, 11th Floor, 6081 No. 3 Road, Richmond, British Columbia V6Y 2B2.

In witness whereof this policy has been signed as authorized by the insurers listed in the definition of Company.
Per
G. Robinson, Executive Director



How to Claim

CLAIMS PROCEDURES AND PAYMENT OF BENEFITS
In the event of hospitalization call OneWorld Assist Inc. immediately, toll-free.



1-800-663-0399	(in Canada & U.S.A.)
001-800-514-9976	(in Mexico)
604-278-4108	(collect call Worldwide)
800-663-00399*	(outside North America and Mexico)


*To use this Global toll-free service, first dial the international access code for the country You are in, then enter the 11-digit toll-free number as shown above. Service not available in all countries. If You encounter problems accessing this service, please call us collect at 604-278-4108.

Applicable to All Claims
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. 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

   The following services will be provided to all Policyholders:
   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

   To access this service, call toll-free:
   

   1-800-663-0399	(in Canada & U.S.A.)
   001-800-514-9976	(in Mexico)
   604-278-4108	(collect call Worldwide)
   800-663-00399*	(outside North America and Mexico)

   
   *To use this Global toll-free service, first dial the international access code for the country You are in, then enter the 11-digit toll-free number as shown above. Service not available in all countries. If You encounter problems accessing this service, please call us collect at 604-278-4108.
   
   
    
   
   
   

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