Traveller TuGo Travel Insurance ® TRavel TRavel policy policy About us North American Air Travel Insurance Agents Ltd. doing business as TuGo® is a licensed insurance agency in all Canadian provinces and territories. TuGo is a third-party administrator of travel insurance products and services. We develop and administer a variety of travel insurance plans for Canadian business and leisure travellers, visitors to Canada and international students. OneWorld Assist Inc. doing business as Claims at TuGo® is our claims and assistance provider and performs all assistance services and administers claims on our behalf under this policy. Claims at TuGo provides ISO 9001:2015 certified service. At TuGo, our mission is to help travellers have better experiences. TuGo specializes in products and services that enhance and enable travel. Founded in 1964, TuGo understands its customers’ needs and is driven to provide top-rated service how, when and where its customers want it. Our address is 1200 - 6081 No.3 Road, Richmond, BC V6Y 2B2 Canada. TuGo is a proud member of The Travel Health Insurance Association (THIA). Travel insurance is designed to give all travellers the ability to protect themselves against unexpected medical costs and other expenses associated with the cancellation, interruption or delay of travel arrangements. The Travel Health Insurance Association (THIA) has developed a Travel Insurance Bill of Rights and Responsibilities to ensure travellers know what to expect from their travel insurance policies along with responsibilities they have when purchasing travel insurance. The Travel Insurance Bill of Rights and Responsibilities builds upon the following golden rules of travel insurance: • Know your health • Know your policy • Know your trip • Know your rights For more information, visit thiaonline.com/Travel_Insurance_ Bill_of_Rights_and_Responsibilities.html IMPORTANT NOTICE – READ CAREFULLY BEFORE YOU TRAVEL You have purchased a travel insurance policy – what’s next? We want you to understand (and it is in your best interests to know) what your policy includes, what it excludes, and what is limited (payable but with limits). Please take time to read through your policy before you travel. Italicized terms are defined in your policy. • Travel insurance covers claims arising from sudden and unexpected situations (i.e. accidents and emergencies and typically not follow-up or recurrent care). • To qualify for this insurance, you must meet all of the eligibility requirements. • This insurance contains limitations and/or exclusions (i.e. pre-existing medical conditions that are not stable, pregnancy, child born on trip, excessive use of alcohol, high risk activities). • This insurance may not cover claims related to pre-existing medical conditions, whether disclosed or not at time of policy purchase. It is your responsibility to review the pre-existing medical condition exclusions and stability requirements, understand how they apply to you and how they relate to your departure date, date of purchase and/or effective date. • In the event of a claim, your prior medical history may be reviewed. • If you have been asked to complete a Medical Questionnaire and any of your answers are not accurate or complete, an extra deductible may apply. • If your health changes after you have purchased your insurance, you are not required to call to update your Medical Questionnaire (if applicable) or modify your application. However, your health change may affect your coverage for pre-existing medical conditions and you may choose to contact us to review pre-existing medical condition coverage and discuss whether other coverage options are available. IT IS YOUR RESPONSIBILITY TO UNDERSTAND YOUR COVERAGE. IF YOU HAVE QUESTIONS, CONTACT US OR VISIT tugo.com. PLEASE READ YOUR POLICY CAREFULLY BEFORE YOU TRAVEL. This policy contains a provision removing or restricting the right of the insured to designate persons to whom or for whose benefit insurance money is to be payable. All words in italics have a specific meaning with a corresponding definition. Refer to the Definitions section on page 55 for details. Introduction Thank you for choosing TuGo. Be sure to review your policy wording and your Policy declaration before you travel. These documents also have important contact information if you need emergency assistance or want to extend your coverage while you’re away. In case you don’t have access to the internet while travelling, we recommend that you save or download a copy of this policy wording before leaving on your trip. Or alternatively, you can print the Contact Us section of this policy wording. For printing instructions, see below. Before you go, take note of these exclusive services: TuGo Telemedicine powered by 1.800MD® Visiting the USA? If you aren’t feeling well and would like to seek medical advice, but don’t think a clinic or hospital visit is necessary, you can access our convenient, prompt, and comprehensive telemedicine service* instead! Call toll-free at 1-866-419-9038 to be connected with a certified physician, who can provide consultation and a recommended treatment over the phone. You can even get your resulting prescription sent instantly to a pharmacy near you! And as an extra perk, if you have a deductible on your Policy, it won’t apply to the telemedicine call, or to the resulting prescription expenses. More details at tugo.com. * TuGo Telemedicine is only available on Worldwide plans for travel within the USA. Subject to policy terms and conditions. TuGo Emotional Assistance powered by Assistenza If you’re experiencing emotional hardship while travelling, access complimentary emotional support, available globally 24/7. Simply call our TuGo Emotional Assistance global toll-free number found in your Policy declaration email to receive immediate support. myTuGo® Login to mytugo.com to modify, renew or extend your Policy. You can also find assistance using our Clinic Finder, open a claim online or manage an existing one, download forms, as well as check your claim’s status. Printing instructions: To reduce the number of pages, configure your print setup to landscape orientation and select 2-sided printing with 2 pages per sheet or “booklet printing”. If you only need to print certain pages, you can choose to just print the current page in view, or a range of pages (i.e. 1-4, 1-10, etc.). Safe Travels! Table of Contents Contact Information 1 10-day Full Refund Provision 2 Insuring Agreement 2 Family & Friends 2 Plans Emergency Medical Insurance — Multi Trip Annual & Single Trip 3 Trip Cancellation & Trip Interruption Insurance or Trip Interruption Insurance Only — Multi Trip Annual & Single Trip 19 Accidental Death and Dismemberment Insurance — Multi Trip Annual & Single Trip 33 Non-Medical Package — Single Trip 37 All Inclusive Holiday Package — Single Trip 38 Optional Coverages Baggage Insurance 39 Rental Car Protection 42 Unstable Pre-existing Medical Condition Coverage 45 Sports & Activities Coverage 46 Sports & Activities Travel Costs Coverage 47 Cancel for Any Reason Coverage 48 General Exclusions Applicable to All Coverages 49 General Conditions Applicable to All Coverages 51 Authorized Extensions 54 Automatic Annual Renewal Option 54 Definitions 55 Statutory Conditions 63 Privacy 65 How to Claim 66 International Assistance Services 68 1 Contact Information Contact us anytime by phone or online. Phone numbers are subject to change. For the most up-to-date contact information or alternate ways to reach us, refer to our Contact Us page at tugo.com/en/company/contact-us. Dialing instructions vary by country. We recommend that you save or download the policy wording or print a copy of this page before you leave on your trip. Our global toll-free service may not be accessible from all countries. We also accept collect calls, but many countries have discontinued this service. Alternatively, you can call us direct at +1-604-278-4108 and we’ll reimburse the charges incurred for making this call. Claims/Hospitalization In the event of hospitalization, call us immediately: Emergency Hospitalization From Mexico (must include “+” sign by (Mexican landlines only) holding “0” on mobile) 001-800-514-9976 +1-800-533-8718 or 800-681-8070 Global toll-free Worldwide (collect)* (must include “+” sign by 604-278-4108 holding “0” on mobile) +1-800-663-0399 Notice to Insured, Physicians & Hospitals In the event of a medical emergency due to a medical condition which may require or result in hospitalization, contact us as soon as possible. Customer Service, Renewals and Policy Extensions During Business Hours To extend your period of coverage while travelling or to speak with Customer Service, simply call us: From Canada & USA From Mexico 1-855-929-8846 (Mexican landlines only) 001-800-514-9976 Global toll-free or 800-681-8070 (must include “+” sign by holding “0” on mobile) Worldwide (collect)* +1-800-663-0399 604-276-9900 *To call us collect, contact the local operator, and let them know you’d like to make a collect call to Canada and provide our number: • For policy extensions, renewals and customer service, call 604-276-9900 • For claims and hospitalizations, call 604-278-4108 2 10-day Full Refund Provision You have 10 days starting from the application date of the Policy to review this Policy to ensure it meets your Insurance needs. A full refund is available provided no travel has taken place, a claim hasn’t been submitted, and the Policy has not expired. To cancel your Policy, you must contact your agent or us during business hours. The request must be received no later than 10 days starting from the application date of the Policy. Other refunds may be available, please refer to the Refunds section of the plan you have purchased. Insuring Agreement You will become insured once you have: a Completed the online application, including any applicable Medical Questionnaire, provided by us or your agent; and b Paid the premium in full for the selected coverages; and c Received a policy number and Policy declaration. This policy wording along with your Policy declaration become your insurance contract. We will provide Insurance for the coverages you have selected and paid for according to the terms and conditions as detailed in this policy wording. Refer to each applicable plan or optional coverage for details on the coverages you have purchased insurance for. All the limits of Insurance under each benefit are aggregate limits per insured, per trip, unless otherwise stated. Family & Friends A Family & Friends plan is available with the Emergency Medical Insurance plan. • Coverage is available for up to 2 individuals 59 years and under and up to 6 dependent children. The individual(s) named in the Family & Friends plan do not have to be the parent(s) or guardian(s) of the dependent children. • Dependent children can be on a Family & Friends plan without an adult. • If you pay the premium for the Family & Friends plan, all insureds must be named in the Policy declaration and will be covered under one Policy. • All insureds on the Family & Friends plan will remain listed on the Policy until the expiry date of the Policy. • Insureds on the Family & Friends plan do not need to be travelling together. 3 Plans Emergency Medical Insurance — Multi Trip Annual & Single Trip The wording in this section applies to Emergency Medical: • Multi Trip Annual and Single Trip Worldwide • Multi Trip Annual and Single Trip for Travel within Canada • Single Trip Worldwide excluding USA Eligibility At the time of application, you are eligible for coverage if: 1 You are a Canadian resident. 2 You are not travelling against a physician or other registered medical practitioner’s advice. 3 You have not been diagnosed with a terminal condition. 4 You are not receiving palliative care or palliative care has not been recommended. Period of Coverage Multi Trip Annual This Policy begins at 12:01 AM on the effective date of the Policy and continues in force for a period of one year from the effective date of the Policy. You may travel as many times as you wish during the period of coverage provided that no one trip exceeds the maximum number of days as specified and contracted for at the time of application. Coverage commences on the date and time of each departure from your province/territory of residence. Coverage terminates each time you return to your province/territory of residence, or at 11:59 PM on the expiry date of the Policy, whichever occurs first. For the Worldwide plan, when travel is within Canada but outside of your province/territory of residence, coverage is automatically provided beyond the maximum number of days selected at the time of purchase but limited to the expiry date of the Policy. When travel is outside of Canada, coverage is limited to the maximum number of days selected. The trip duration begins on the date you leave Canada and terminates when you return to Canada. Single Trip Coverage commences on the later of: 1 The date and time you depart from your province/territory of residence or Canada; or, 2 The date and time you depart from your province/territory of residence when travel is within Canada only but outside of your province/territory of residence; or, 3 The effective date of the Policy. 4 Coverage terminates on the earliest of the following: 1 At 11:59 PM on the expiry date of the Policy; or, 2 On the date and time when you return to your province/territory of residence, except as outlined below: One temporary visit to your province/territory of residence, is permitted during your period of coverage provided the temporary visit is unexpected or beyond your control; your Policy will not terminate, however you will not be covered while in your province/territory of residence. There will be no refund for the number of days you spend in your province/territory of residence. For policies providing Emergency Medical coverage for travel worldwide excluding USA, coverage is limited to travel outside the USA except for: a Flight stopovers or flight layovers in the USA up to 48 hours; or, b Transit through the USA by car, van, truck, recreational vehicle, motorcycle, bus or train for up to 5 days to your travel destination and up to 5 days to return from your travel destination. If you are travelling by cruise ship and the cruise departs from or stops at any ports in the USA, you must purchase a Worldwide plan for the full duration of your trip. Applicable to Multi Trip Annual and Single Trip Coverage shall be void if purchased after the date of departure from your province/territory of residence or for a trip not originating in Canada unless we authorized it, in which case it will be subject to the waiting period requirements. Top-up If you are covered by another insurance provider for the first part of your trip, you can purchase this Insurance as a top-up Policy to cover the remaining duration of your trip. However, you should verify with that provider that they allow their coverage to be topped-up by another insurance provider as they may void or restrict coverage if you don’t extend or top-up with them. 1 When this Policy is purchased before departure to top-up another emergency medical insurance plan, coverage commences either: a the day following the expiry date of the insurance plan being topped-up; or, b the day following the expiry date of the trip length of the annual insurance plan being topped-up. 2 When symptoms or treatment by a physician or other registered medical practitioner for an emergency medical condition begin before the effective date of this top-up Policy and while you are covered by the insurance plan being topped-up, we will pay eligible expenses incurred on or after the date this top-up Policy takes effect as if the emergency medical condition began under this top-up Policy. Coverage for emergency medical conditions which began before the effective date of this top-up Policy is only provided if there is no lapse between the insurance plan being topped-up and this top-up Policy. We will not pay for expenses incurred if other insurance policies, plans or contracts, including but not limited to any private or provincial automobile insurance, cover the loss. Coverage is also subject to all other policy terms and conditions. 3 Expenses incurred before this top-up Policy takes effect are not covered. 5 Benefits Maximum limit — $10,000,000 We will pay reasonable and customary charges for medical and related expenses up to the coverage limits for an acute, sudden and unexpected emergency medical condition. The charges must result from an emergency that first occurs after coverage commences (including after any applicable waiting period) and while you are travelling outside your province/territory of residence. Eligible medical and related expenses are described below. Emergency Medical Treatment • Hospital Services − Hospitalization services (limited to a semi-private room). Any coverage related to hospitalization terminates upon release from the hospital other than what is specified under the Follow-up Visit Benefit. − Out-patient treatment provided by a hospital. • Physician The services of a physician. • Ambulance Services The services of a licensed ground, air or sea ambulance and paramedics to the nearest hospital or medical facility that is capable of providing medically necessary treatment for the emergency medical condition. Fire rescue expenses are also covered if a fire rescue team is dispatched in response to your emergency. If an ambulance is medically required but is unavailable, we will reimburse you for taxi expenses, but the taxi receipt is required. If you are mountaineering over a 6,000-metre elevation, coverage for air ambulance services from the mountain is limited to one air ambulance per trip, regardless of how many separate emergencies you have. For more details on coverage for mountaineering over a 6,000-metre elevation, refer to the Sports & Activities Optional Coverage on page 46. • Diagnostic Tests X-ray examinations and diagnostic laboratory procedures when performed at the time of the initial emergency. • Prescription Drugs Up to a maximum supply of 30 days for prescription drugs. All prescriptions must be issued by a physician and purchased in the 30 days from the initial date of the emergency visit and/or the follow-up visit. While you are hospitalized, we will pay the total cost of all prescription drugs, in addition to the 30-day maximum supply of related prescription drugs purchased in the 30 days from the release from hospital. Over the counter medicine, vitamins, minerals and dietary supplements are not covered. Official pharmacy prescription receipts indicating the medication name, quantity, dosage, prescribing physician and cost are required. • Lost, Stolen or Damaged Prescription Drugs Up to a maximum of $200 for one physician visit to obtain a new prescription and the cost of the new prescription drugs in the event your prescription drugs are lost, stolen or damaged. Over the counter medicine, vitamins, minerals and dietary supplements are not covered. Official pharmacy prescription receipts indicating the medication name, quantity, dosage, prescribing physician and cost are required. • Essential Medical Appliances The cost to rent or purchase essential medical appliances, including but not limited to, wheelchairs, crutches and canes. When appliances are purchased, the reimbursement will not exceed the total cost that would have been incurred if the appliance had been rented. • Private Duty Nursing Private duty nursing services, performed by a registered nurse (R.N.) other than a family member, when ordered in writing by the attending physician. 6 COVID-19 We will pay up to the Policy limit or as specified under each benefit limit in this plan for expenses incurred due to COVID-19. Coverage is provided if, before your date of departure, you are travelling in accordance with all federal travel vaccine requirements issued by the Government of Canada for entry and/or return to Canada. Follow-up Visit One follow-up visit within the 14 days after the initial emergency treatment, provided the follow-up visit is required as a direct result of the initial emergency. Fracture Treatment Following the initial emergency treatment and the one follow-up visit, we will pay up to a maximum of $1,250 for the following treatments related to fractures: • X-ray examinations; and, • Re-examination physician visits; and, • Casting and re-casting, if medically necessary; and, • Cast removal Eligible expenses must be incurred during the same trip and before your return to your province/territory of residence. This benefit is only available in lieu of the Airfare to Return Home for Treatment Benefit. Hospital Allowance Up to $100 per day to cover incidental hospital charges, which are billed by the hospital, such as TV rental and telephone charges. Other Professional Medical Services Up to a maximum of $700 for any one incident at any time during the trip, per practitioner for the services of the following registered practitioners as a result of an emergency: • Physiotherapist • Osteopath • Optometrist • Chiropractor • Podiatrist • Acupuncturist • Chiropodist Dental Services The services of a dentist or dental surgeon for emergency dental treatment, including the cost of prescription drugs and x-rays, as follows: a Up to the Policy limit for dental expenses you incur while on your trip, for an accidental blow to the face requiring the repair or replacement of sound natural teeth or permanently attached artificial teeth, including crowns, bridges and dental implants. You are also covered for continuous treatment in your province/territory of residence for up to 30 days after your return, provided the treatment is related to the accidental blow to the face. All treatment whether it occurs during your trip or in your province/territory of residence must be completed no later than 90 days after the initial treatment began. This benefit does not cover dental treatment for veneers or dentures. b Up to a maximum of $700 for dental expenses you incur while on your trip for any dental emergencies other than pain caused by an accidental blow to the face. Treatment must be completed within the 90 days after the treatment began and before your return to your province/territory of residence. 7 Unexpected Birth of a Child Up to a maximum of $25,000 for the medical expenses incurred by your newborn child/children following the unexpected birth of the child/children. This benefit is not payable during the 9 weeks before the expected date of delivery or within the 9 weeks after. Coverage terminates upon release from hospital or when the maximum limit has been reached, whichever first occurs. Remote Evacuation This benefit is payable only when pre-approved by us, unless contacting us is not possible. Up to a maximum of $6,000 for reimbursement of expenses for non-medical emergency evacuation from a remote location (including mountain, sea or other location) by professional services to the nearest accessible point. This includes search and rescue services for mountain, sea or other remote locations. Emergency Air Transportation This benefit is payable only when pre-approved and arranged by us At the time of hospitalization, medical air transfer for return to Canada or medical air transfer between medical facilities when the first medical facility is not equipped to provide the required treatment. Airfare to Return Home for Treatment This benefit is payable only when pre-approved by us The cost of a one-way economy airfare on a commercial flight via the most direct route to return to your province/territory of residence for immediate treatment as a result of an emergency. The treatment must be sought in the 10 days from arrival to your province/territory of residence and the attending physician providing treatment outside your province/territory of residence must indicate in writing that the treatment is required. The cost of an airline seat upgrade is included if the attending physician providing treatment outside your province/territory of residence indicates in writing that it is also medically required. This benefit is only available for fracture claims in lieu of the Fracture Treatment Benefit. 8 Medical Attendant This benefit is payable only when pre-approved by us If you are returned under the Emergency Air Transportation Benefit or the Airfare to Return Home for Treatment Benefit, we will pay: a The cost of a round trip economy airfare on a commercial flight via the most direct route for a qualified medical attendant (or travelling companion in lieu) to accompany you if the attending physician providing treatment outside your province/territory of residence indicates in writing that it is medically required; and, b The cost of an airline seat upgrade for the medical attendant (or travelling companion in lieu) if the attending physician providing treatment outside your province/territory of residence indicates in writing that it is medically required. Airline Seat Upgrade Following emergency treatment, we will pay the cost of your airline seat upgrade when you are flying home on your regularly scheduled return flight, if the attending physician providing treatment outside your province/territory of residence indicates in writing that it is medically required. Return of Excess Baggage This benefit is payable only when pre-approved by us If you are returned to your province/territory of residence under the Emergency Air Transportation Benefit, the Airfare to Return Home for Treatment Benefit or the Expenses Related to Death Benefit, we will pay up to a maximum of $700 to return your excess baggage. If there was room aboard the aircraft for your baggage during the emergency air transportation, this benefit is not applicable. Return of Travelling Companion This benefit is payable only when pre-approved by us If you are returned under the Emergency Air Transportation Benefit, the Airfare to Return Home for Treatment Benefit or the Expenses Related to Death Benefit, we will reimburse a one-way economy airfare for one travelling companion to return back to the original departure point. If you are resuming your trip under the Return to Your Destination Benefit, we will also pay for the cost of a one-way economy airfare by the most direct route for the same travelling companion to return to the place you departed from or to continue the trip with you as originally scheduled. This benefit can only be offered once during the same trip, and will not apply after your original expected return date. 9 Return of Dependent Children This benefit is payable only when pre-approved by us If you are returned to your province/territory of residence under the Emergency Air Transportation Benefit, the Airfare to Return Home for Treatment Benefit or the Expenses Related to Death Benefit, we will pay for: a A one-way economy airfare for dependent children travelling with you to return back to the original departure point; and, b The cost of a chaperone when necessary. Return of Pets Up to a maximum of $300 for the cost of returning your pets who are travelling with you, to Canada if you are returned to your province/territory of residence under the Emergency Air Transportation Benefit, the Airfare to Return Home for Treatment Benefit or the Expenses Related to Death Benefit. Expenses Related to Death This benefit is payable only when pre-approved by us In the event of your death during a trip covered under the Policy benefits, we will pay: a Up to the Policy limit for the preparation and return of your body, including the cost of a standard shipping container and one death certificate (excluding the cost of funeral and related expenses or a burial coffin), to your province/territory of residence; or, b Up to a maximum of $6,000 for burial at the place of death (excluding the cost of funeral and related expenses or a burial coffin), including one death certificate in the event your body is not returned to your province/territory of residence; or, c Up to a maximum of $6,000 for cremation at the place of death (excluding the cost of funeral and related expenses or an urn), including one death certificate and the standard shipping cost to return your ashes to your province/territory of residence; and d Transportation costs of one family member to go to the place of your death to identify your body when it is necessary to be identified before the release of your body and up to a limit of $400 per day to a maximum of $2,000 for meals and commercial accommodation. The family member identifying your body will also be covered for the period of time required to identify your body. Coverage for the family member is limited to the Emergency Medical Insurance plan. Family Transportation This benefit is payable only when pre-approved by us If an attending physician considers it necessary, we will pay one round trip economy airfare or ground transportation costs for one family member to be with you while you are hospitalized if you are travelling alone; or for one additional family member other than your travelling companion if you are not travelling alone, and up to a maximum of $500 per day to a maximum of $2,500 for reasonable and necessary commercial accommodation, meals, telephone calls, internet charges, taxi or bus fare. 10 Out-of-Pocket Expenses Up to $500 per day to a maximum of $5,000 for your commercial accommodation, meals, telephone calls, internet charges, taxi fare, parking charges, bus fare and rental car, if: a Your travelling companion is transferred to a different hospital in another city for emergency treatment; or, b Your travelling companion is hospitalized on or after the date you are scheduled to return to your province/territory of residence. Under b), there is no coverage for any out-of-pocket expenses you incur before the date you are scheduled to return to your province/territory of residence. Child Care Up to $500 per day to a maximum of $5,000 for child care costs for insured children 18 years and under who are travelling with you (excluding child care provided by a family member) when: a You are hospitalized; or, b You are transferred to a different hospital in another city for emergency treatment. Return of Vehicle This benefit is payable only when pre-approved by us If the attending physician determines that as a result of an emergency, you are incapable of continuing your trip by means of the vehicle used to depart from your province/territory of residence and the vehicle you intended to use to return to your province/territory of residence and your travelling companion is unable to do so for you, we will pay either: a Up to the Policy limit for the charges incurred for a commercial agency to return a vehicle that you own or rent to either your province/territory of residence or the nearest appropriate vehicle rental agency; or, b A one-way economy airfare to the destination where the vehicle is located; and gas, meals and accommodation for a family member or friend to return a vehicle that you own or rent to your province/territory of residence. The maximum benefit payable is limited to reasonable and customary charges to return your vehicle. If the vehicle you used to depart from your province/territory of residence was towing an object (such as a trailer or boat) and you had intended to use the same vehicle to tow the object back to your province/territory of residence, the cost to return the towed object is also included in this benefit. If the towed object must be returned separately, it is not covered. 11 Vision Care and Hearing Aids Up to a maximum limit of $1,000 for: a The replacement of prescription glasses (including prescription sunglasses) or contact lenses (up to a 30-day supply) due to theft, loss, or breakage. Replacement of prescription glasses or contact lenses must be purchased and received during the same trip when the theft, loss, or breakage occurred and before your return to your province/territory of residence. b The replacement of a hearing aid due to theft, loss, or breakage. Replacement of a hearing aid must be purchased during the same trip when the theft, loss, or breakage occurred and before your return to your province/territory of residence. Replacement of prescription glasses, contact lenses and hearing aids must be of similar or lesser value to the ones that were stolen, lost or broken during the trip. Air Travel Delay Expenses We will reimburse you in respect of the following additional expenses related to air travel: a Up to a maximum of $900 for necessary and reasonable hotel, motel or restaurant expenses incurred after your flight has been delayed for more than 4 hours. b Up to a maximum of $400 for additional transport expenses incurred after your flight has been delayed for more than 4 hours. c Up to a maximum of $400 for entertainment expenses incurred after your flight has been delayed for more than 4 hours. d Up to a maximum of $900 for essential clothing and personal care items purchased after your baggage has been lost or delayed by the airline for more than 6 hours. Replacement must be purchased during the same trip when the loss or delay occurred and before the baggage being returned to you and before your return to your ordinary place of residence. If your flight or baggage is delayed as outlined in the benefits listed above, coverage terminates on the date and time you return to your ordinary place of residence or within 30 days after the original scheduled date of return, whichever is earlier. If your flight is cancelled and you are issued a new ticket/boarding pass to resume your travel, this is not considered a delay. However, if your flight is cancelled after being delayed for more than 4 hours, you will be covered for expenses incurred after the flight has been delayed for at least 4 hours and before the time your flight is cancelled. Domestic Services in Canada This benefit is payable only when pre-approved by us If you have been returned to your province/territory of residence under the Emergency Air Transportation Benefit or the Airfare to Return Home for Treatment Benefit, we will reimburse up to a maximum of $300 for necessary and reasonable cooking, cleaning, child care and/or pet care services that are required at your principal residence. The services cannot be provided by a family member and receipts are required. Coverage is available within the 15 days after the date you return to your province/territory of residence. 12 Medical Follow-Up in Canada This benefit is payable only when pre-approved by us If you have been returned to your province/territory of residence under the Emergency Air Transportation Benefit or the Airfare to Return Home for Treatment Benefit after being hospitalized during your trip, we will reimburse the following expenses in Canada: a Up to $1,000 for a semi-private room in a hospital, rehabilitation centre or convalescent home; and, b Up to $100 per day for home care nursing when it is medically necessary; and, c Up to $300 for licensed ambulance services or taxi services to receive medical care; and, d Up to $300 to rent or purchase essential medical appliances, including but not limited to, wheelchairs, crutches and canes. When medical appliances are purchased, the reimbursement will not exceed the total cost that would have been incurred if the medical appliance had been rented. Coverage is available within the 15 days after the date you return to your province/territory of residence. Return to Your Destination If you are returned to your province/territory of residence under the Emergency Air Transportation Benefit or the Airfare to Return Home for Treatment Benefit, we will pay the cost of a one-way economy airfare by the most direct route to return you to the place you departed from or to continue your trip as originally scheduled. Your Policy will not terminate, however you will not be covered for any expenses incurred in your province/territory of residence. There is also no refund for the number of days you spend in your province/territory of residence. Once you are returned to your trip destination, a recurrence of the same medical condition which necessitated a return to your province/territory of residence or the occurrence of a related medical condition will not be covered under this Policy. This benefit can only be offered once during the same trip, and will not apply after your original expected return date. 13 Pre-existing Medical Condition Stability Exclusion All Emergency Medical Insurance plans are also subject to the Emergency Medical Insurance Exclusions and to the General Exclusions shown on page 49. The stability requirements for pre-existing medical conditions are outlined below: Worldwide and Worldwide Excluding USA Plans We will not be liable to provide coverage or services, or to pay claims for expenses incurred directly or indirectly as a result of the following: AGE TRIP LENGTH STABILITY PERIOD on the application date of the Policy 59 years 35 days Any medical condition which is not stable on or and under or less within the 7 days before the date of departure. Over 35 days Any medical condition which is not stable on or within the 90 days before the date of departure. If you extend your trip and the total trip length (including the extension) exceeds 35 days, the stability for medical conditions is based on your total trip length. 60 years All Any medical condition which is not stable on or and over within the 180 days before the date of departure. If you purchased this Policy to top-up any other insurance plan, the stability for medical conditions is based on your total trip length. Medical conditions that do not meet the stability criteria set out above are not covered. Travel Within Canada Plans There is no stability requirement for pre-existing medical conditions. Refer to the following definitions: alteration, medical condition, pre-existing medical condition, treatment and stable. If you purchased the optional Unstable Pre-existing Medical Condition Coverage, refer to that section heading for coverage applicable to your pre-existing medical conditions that are not stable. 14 Exclusions In addition to the General Exclusions shown on page 49, we will not be liable to provide coverage or services, or to pay claims for expenses incurred directly or indirectly as a result of: 1 Any complications that develop after departure, related to a pre-existing medical condition that was not stable on or before the date of departure. For stability requirements, refer to the Pre-existing Medical Condition Stability Exclusion. If you purchased the optional Unstable Pre-existing Medical Condition Coverage, refer to that section heading for stability requirements. This exclusion does not apply to Travel within Canada plans. 2 Any claim incurred after a physician advised you not to travel. 3 Any claim incurred after any other registered medical practitioner advised you not to travel. 4 A trip that is undertaken after the diagnosis of a terminal condition. 5 A trip that is undertaken while you are receiving palliative care or after palliative care has been recommended. 6 Medical conditions or any related medical conditions for which, on or before departure, diagnostic tests took place, were scheduled to take place or were recommended and for which results had not yet been received at the time of departure. This includes diagnostic tests that were scheduled or recommended on or before departure, but had not yet taken place at the time of departure. This exclusion does not apply to: a Tests to monitor an existing medical condition if there have been no new or more frequent symptoms, whether or not results have been received; or, b Screening tests intended to prevent illness or to detect medical conditions before symptoms are noticed, whether or not results have been received. 7 Any medical condition related to COVID-19, except as specified in the COVID-19 benefit. This exclusion does not apply to travel within Canada. 8 The cost of any mandated test required for travel. 9 Medical conditions or any related medical conditions for which, on or before departure, tests to follow up on the effectiveness or response to a procedure, surgery or hospitalization were scheduled to take place or were recommended. This includes tests that were scheduled or were recommended on or before departure, but had not yet taken place at the time of departure. 10 Medical conditions or any related medical conditions for which before departure, medical procedures, surgeries and/or referrals to a specialist were scheduled to take place or were recommended but had not yet taken place at the time of departure. 11 Any cancer (other than basal cell or squamous cell skin cancer and/or cancer that is in remission) for which you received or were recommended to receive active cancer treatment on or within the 90 days before the date of departure. This includes active cancer treatment that you were recommended to receive but chose to decline. 15 12 Tests and investigation except when performed at the time of the initial emergency medical condition. 13 a Any medical condition, including symptoms of withdrawal, arising from, or in any way related to, your chronic use of alcohol, drugs or other intoxicants whether prior to or during your trip. b Any medical condition arising during your trip from, or in any way related to, the misuse or abuse of drugs or other intoxicants, or to the use or abuse of alcohol when you have reached a blood alcohol level of 80 milligrams of alcohol per 100 millilitres of blood or when records indicate you were intoxicated and no blood alcohol level is specified. 14 Any medical condition for which you are registered on a waiting list in Canada for treatment or diagnosis. 15 Expenses incurred once the emergency ends and in the opinion of the attending physician or other registered medical practitioner, you are able to travel to your province/territory of residence for any further treatment relating to the medical condition that led to the emergency, unless otherwise specified in a benefit. 16 The continued treatment, recurrence or complication of a medical condition or related condition, following emergency treatment during your trip, if we determine that your emergency has ended, unless otherwise specified in a benefit. 17 Any expenses incurred as a result of a disease or illness that originated or was symptomatic during the waiting period. This exclusion does not apply when this Policy is purchased to top-up any other insurance plan. 18 Expenses incurred for emergency air transportation and any expenses incurred after emergency air transportation, when the emergency air transportation was not arranged by us. 19 Any medical condition or related expenses if we determine that you should transfer to another facility or could return to your province/territory of residence for treatment, and you choose not to, benefits will not be paid for further treatment related to the medical condition. 20 An official travel advisory issued by a Canadian government stating to “avoid all travel” or “avoid non-essential travel” regarding the country, region or city of your destination, before the effective date of the Policy or the date you travel to that destination (including any stopovers, layovers or any other destinations you are transiting through). To view the travel advisories, visit the Government of Canada Travel site. If an official travel advisory is issued for the country, region or city of your destination after you have already arrived to that country, region or city, your coverage for an emergency or a medical condition related to the travel advisory in that specific destination will be limited to a period of 30 days from the date the travel advisory was issued. We may extend this coverage beyond 30 days if authorized at our discretion. This exclusion does not apply to claims for an emergency or a medical condition unrelated to the travel advisory or to claims incurred for COVID-19. 21 Expenses incurred when coverage is purchased after departure, unless we authorized it in advance. 16 22 Any medical and related expenses in excess of $50,000, if you are not covered by a provincial or territorial government health care plan at the time your claim occurred. 23 A medical condition for which symptoms arose or worsened or for which emergency treatment was received after the date of departure but before the effective date of this Policy, except as specified under the heading Period of Coverage, sub-heading Top-up. 24 A medical condition for which symptoms arose or worsened or for which treatment by a physician or other registered medical practitioner was received during a temporary visit to your province/territory of residence during the period of coverage or any medical condition wholly or partly, directly or indirectly, related thereto. This exclusion does not apply if the treatment was for either: a The unchanged use of prescribed drugs or medication for a stable medical condition, symptom or problem; or, b A check-up where the physician or other registered medical practitioner observes no change in a previously noted medical condition, symptom or problem. 25 Loss, theft or breakage of prosthetic devices or dentures. 26 Your participating, training, or practicing for the following sports or activities (except when coaching and/or officiating as a referee or sports official) unless you have paid the applicable surcharge(s) for the Sports & Activities Coverage as shown on your Policy declaration: • Backcountry skiing/snowboarding • Mountaineering over a 6,000-metre • Base jumping elevation • Boxing • Mountaineering up to a 6,000-metre elevation • Downhill freestyle skiing/snowboarding in organized competitions • Parachuting/skydiving/tandem skydiving • Downhill mountain biking • Rock climbing • Hang gliding/paragliding • Scuba diving or free diving over 40 metres • High risk motorized speed activities • White water sports – Class VI • High risk snowmobiling and motorized snow biking • Wingsuit flying • Ice climbing • Mixed martial arts 27 Your participating, training, or practicing as part of a registered team, league, association or club; or while competing in a registered tournament, competition or sporting event for the following sports or activities (except when coaching and/or officiating as a referee or sports official), if you are 21 years of age or over at the time of application, unless you have paid the applicable surcharge(s) for the Sports & Activities Coverage as shown on your Policy declaration: • Football • Ice hockey (American and Canadian) • Rugby 17 Deductible We will pay eligible expenses for losses incurred in excess of the amount of the deductible as shown on the Policy declaration, per insured per incident claimed. This deductible applies to the portion of eligible expenses remaining after payment by your provincial or territorial government health care plan or other insurance policies, plans or contracts, including private or provincial automobile insurance. Applicable to Insureds 60 Years and Over at the Time of Application If you qualify for the coverage selected but you or a representative purchasing insurance on your behalf have failed to answer truthfully and accurately any question asked in the Medical Questionnaire, any incident claimed will be subject to an extra deductible of $15,000 USD in addition to any other applicable deductible amount, and no future coverage will be provided under this Policy unless you pay the additional premium reflecting true and accurate answers to those questions. The Medical Questionnaire may not be required for certain plans or trip lengths, refer to the Medical Questionnaire for details. Automatic Extensions to Coverage At the time the period of coverage ends, your coverage will be automatically extended at no additional premium: Hospitalization If you, your family travelling with you or your travelling companion are hospitalized. The automatic extension will be provided to you for the remaining period of the hospitalization, plus up to 7 days after hospital release to recover and/or travel home. Medically Unfit to Travel If you, your family travelling with you or your travelling companion are unable to travel on the scheduled return date due to a medical condition that does not require hospitalization. The automatic extension will be provided to you for up to 7 days to recover and/or travel home. In the event of a claim, written documentation must be provided to us by the attending physician to substantiate the inability to travel home as originally scheduled. Delay of Common Carrier or Chartered Carrier If your common carrier or chartered carrier is delayed due to circumstances beyond your control, preventing you from returning to your province/territory of residence. The automatic extension will be provided to you for up to 7 days. In the event of a claim, written documentation must be provided to us to substantiate the common carrier or chartered carrier delay. Quarantine If you, your family travelling with you or your travelling companion are unable to travel on your scheduled return date due to being placed under quarantine after a positive COVID-19 test, the automatic extension will be provided to you for up to 14 days. In the event of a claim, written documentation must be provided to us to substantiate the quarantine. 18 Refunds Refunds after the effective date of the Policy must be requested in writing. Refunds are not available if a claim has been or will be submitted. Applicable to Multi Trip Annual and Single Trip 1 When the request for refund is received BEFORE the effective date of the Policy, a full refund is available. 2 When no travel has taken place and the request for refund is received AFTER the effective date of the Policy: a For all plans, a full refund is available in the 10 days from the application date of the Policy; or, b For Single Trip plans, a partial refund is available when the request for refund is received more than 10 days after the application date of the Policy but before the expiry date of the Policy. c For Multi Trip Annual plans, a partial refund is available when the request for refund is received more than 10 days after the application date of the Policy but within the 90 days after the effective date of the Policy. Applicable to Single Trip Only 1 When travel has taken place, a partial refund is available. Refunds are calculated as follows: a From the date the cancellation request is submitted to us, whether or not you are in your province/territory of residence; or, b From the date of return to your province/territory of residence if a satisfactory proof of return is sent to us and the request is received by us within the 90 days after the expiry date of the Policy. Note: A minimum premium requirement applies for this Insurance at the time of purchase which becomes non-refundable after travel has taken place. If you request a partial refund after travel has taken place, we will retain this non-refundable minimum premium. 19 Trip Cancellation & Trip Interruption Insurance — Multi Trip Annual & Single Trip Or Trip Interruption Insurance Only — Multi Trip Annual & Single Trip • Trip cancellation means an event occurring before your departure date, causing you to cancel your trip or a portion of your trip. • Trip interruption means an event occurring on or after your departure date causing you to disrupt your trip as originally scheduled or interrupt your trip and return earlier or later than your return date. Eligibility At the time of application, you are eligible for coverage if you are a Canadian resident. Applicable to Trip Interruption Insurance Only To be eligible for coverage this Insurance must be purchased before leaving for your trip. Period of Coverage Multi Trip Annual Trip Cancellation This Policy begins on the application date of the Policy at the time of purchase and continues in force for a period of one year from the effective date of the Policy and ends at 11:59 PM on the expiry date of the Policy. Coverage is only provided for trips scheduled to start on or after the effective date of the Policy and end before 11:59 PM on the expiry date of the Policy. If you have booked a trip that is scheduled to start during this period of coverage but is not scheduled to end before the expiry date of this Policy term, coverage for this trip would be provided if the Policy is renewed, but it would only be available as of the application date of the renewed Policy. Coverage for each trip commences on the later of: 1 The date and time the trip is booked; or, 2 The date and time this Insurance is purchased. Coverage terminates on the earlier of: 1 The date and time the entire trip is cancelled before your departure date; or, 2 At 11:59 PM on the day before your departure date; or, 3 At 11:59 PM on the expiry date of the Policy, as shown on the Policy declaration. Trip Interruption and Trip Interruption Only This Policy begins at 12:01 AM on the effective date of the Policy and continues in force for a period of one year from the effective date of the Policy and ends at 11:59 PM on the expiry date of the Policy. Coverage is only provided for trips scheduled to start on or after the effective date of the Policy and end before 11:59 PM on the expiry date of the Policy. If you have booked a trip that is scheduled to start during this period of coverage but is not scheduled to end before the expiry date of this Policy term, coverage for this trip would be provided if the Policy is renewed before departure. 20 Coverage for each trip commences at 12:01 AM on the departure date and terminates on the earlier of: 1 The date and time you return to your departure point; or, 2 At 11:59 PM on the expiry date of the Policy, as shown on the Policy declaration. If your return is delayed due to a covered risk, coverage terminates on the date and time you return to your departure point or 30 days after the original scheduled return date, whichever is earlier. Single Trip Trip Cancellation Coverage commences on the application date of the Policy at the time of purchase and terminates on the earlier of: 1 The date and time the entire trip is cancelled before your departure date; or, 2 At 11:59 PM on the day before your departure date. Trip Interruption and Trip Interruption Only Coverage commences on the later of: 1 12:01 AM on the departure date; or, 2 On the effective date of the Policy. Coverage terminates on the earlier of: 1 The date and time you return to your departure point; or, 2 At 11:59 PM on the expiry date of the Policy, as shown on the Policy declaration. Under 2), if your return is delayed due to a covered risk, coverage terminates on the date and time you return to your departure point or within 30 days after the original scheduled return date, whichever is earlier. 21 Covered Risks Benefits will only be payable if the trip has been cancelled or interrupted as a result of one of the following covered risks. Refer to pages 25 to 27 for a description of the benefits applicable to the covered risks described below. Health 1 Medical condition, death or quarantine of you or your travelling companion. Trip Cancellation Benefits: 1, 2 Trip Interruption Benefits: 4, 5, 6, 7, 10 2 Medical condition, death or quarantine of your family member or your travelling companion’s family member. Trip Cancellation Benefits: 1, 2 Trip Interruption Benefits: 4, 5, 6, 7 3 Medical condition, death of your or your travelling companion’s business partner, employer or key employee, caregiver, or death of a friend not travelling with you on the trip. Trip Cancellation Benefits: 1,2 Trip Interruption Benefits: 4, 5, 6, 7 4 Medical condition, death or quarantine of your host at your destination. Trip Cancellation Benefits: 1,2 Trip Interruption Benefits: 4, 5, 6, 7 5 Hospitalization (including home-based palliative care) or death of a family member not travelling with you, that causes you to interrupt your trip before your scheduled return date. Trip Cancellation Benefits: none Trip Interruption Benefits: 9 Pregnancy and Adoption 6 You or your travelling companion being notified, after the trip is booked or after the date this Insurance is purchased, whichever occurs later, that the actual date of a legal adoption of a child by you or your travelling companion is scheduled to take place during your trip. Trip Cancellation Benefits: 1,2 Trip Interruption Benefits: 4, 5, 6, 7 7 Your, your spouse’s or your family member’s pregnancy, or your travelling companion’s, your travelling companion’s spouse’s or your travelling companion’s family member’s pregnancy, being diagnosed after the date the trip is booked or after the date this Insurance is purchased, whichever occurs later, if you or your travelling companion’s trip is scheduled to take place in the nine weeks before or after and including the expected date of delivery. Trip Cancellation Benefits: 1, 2 Trip Interruption Benefits: none 8 Complications of your, your spouse’s or your family member’s pregnancy, or your travelling companion’s, your travelling companion’s spouse’s or your travelling companion’s family member’s pregnancy, occurring within the first 31 weeks of pregnancy. Trip Cancellation Benefits: 1,2 Trip Interruption Benefits: none 22 Employment and Education 9 Your, your spouse’s, your travelling companion’s or your travelling companion’s spouse’s job transfer which results in the relocation of your or your travelling companion’s principal residence (excluding contract or self-employment). Trip Cancellation Benefits: 1,2 Trip Interruption Benefits: 4, 5, 6, 7 10 Involuntary loss of your, your spouse’s, your travelling companion’s or your travelling companion’s spouse’s permanent employment (excluding contract or self-employment) if you, your spouse, your travelling companion or your travelling companion’s spouse had been continuously employed by the same employer for at least 365 days before the date the trip is booked or before the date this Insurance is purchased, whichever occurs later. Trip Cancellation Benefits: 1,2 Trip Interruption Benefits: 4, 5, 6, 7 11 The cancellation of a business meeting at your or your travelling companion’s destination beyond your or your employer’s control or beyond your travelling companion’s or your travelling companion’s employer’s control. Only the travel costs related directly to the business meeting will be reimbursed. Trip Cancellation Benefits: 1,2 Trip Interruption Benefits: 4, 5, 6, 7 12 The cancellation of a conference, seminar, workshop, convention, symposium or retreat at your or your travelling companion’s destination that is beyond your or your travelling companion’s control. Trip Cancellation Benefits: 1,2 Trip Interruption Benefits: 4, 5, 6, 7 Legal 13 You and/or your travelling companion have been advised by a Canadian government (including provincial/territorial government) that if you travel to a specific country, region or city, you will have to self-quarantine or self-isolate upon your return to your province/territory of residence, provided such requirement was issued after the date and time your trip is booked or after the date and time this Insurance is purchased, whichever occurs later. Trip Cancellation Benefits: 1, 2 Trip Interruption Benefits: none 14 You or your travelling companion (excluding law enforcement officers) being subpoenaed, after the date and time the trip is booked or after the date and time this Insurance is purchased, whichever occurs later, for jury duty, as a witness, or is required to appear at a court proceeding during the period of travel. Trip Cancellation Benefits: 1,2 Trip Interruption Benefits: 4, 5, 6, 7 15 You or your travelling companion being summoned to police, fire, paramedic or military service (active or reserve) during the period of travel. Trip Cancellation Benefits: 1,2 Trip Interruption Benefits: 4, 5, 6, 7 23 16 An official travel advisory issued by a Canadian Government stating to “avoid all travel” or “avoid non-essential travel” to any of your travel destinations (including any stopovers, layovers or any other destinations you are transiting through), provided such travel advisory was issued after the date your trip is booked or after the date this Insurance is purchased, whichever occurs later, and the travel advisory is still in effect on your scheduled departure date or at any time within the 7 days before your scheduled departure date. This covered risk also applies if a Canadian government (including provincial/territorial governments) issues an advisory for Canadian residents travelling within Canada, stating against travel to a Canadian province/territory, region or city and the advisory affects any of your travel destinations (including any stopovers, layovers or any other destinations you are transiting through). Trip Cancellation Benefits: 1, 2 Trip Interruption Benefits: none 17 An official travel advisory issued after your departure by a Canadian Government stating to “avoid all travel” or “avoid non-essential travel” to any of your travel destinations (including any stopovers, layovers or any other destinations you are transiting through), provided such travel advisory was issued for your scheduled travel dates and this Insurance was purchased before the travel advisory being issued. This covered risk also applies if a Canadian government (including provincial/territorial governments) issues an advisory for Canadian residents travelling within Canada, stating against travel to a Canadian province/territory, region or city, and the advisory affects any of your travel destinations (including any stopovers, layovers or any other destinations you are transiting through). Trip Cancellation Benefits: none Trip Interruption Benefits: 4, 5, 6, 7 18 The non-issuance of your or your travelling companion’s digital travel authorization (including but not limited to an Electronic Travel Authorization (eTA)) and/or travel or student visa (not including an immigration or employment visa) for reasons beyond your or your travelling companion’s control, provided: a You or your travelling companion were eligible to make such an application; and, b The application was submitted with enough processing time to receive the digital travel authorization or visa before your departure date, according to the timeline posted by the consulate or authority who issues the digital travel authorization or visa. Note: If the consulate or authority issuing the digital travel authorization or visa temporarily stops processing applications, you or your travelling companion must be able to prove that the stoppage had a direct impact on you or your travelling companion not being able to obtain the digital travel authorization or visa before your scheduled departure date. Trip Cancellation Benefits: 1,2 Trip Interruption Benefits: none 24 Cancellations and Delays 19 The early departure, the late departure or the late arrival of your or your travelling companion’s common carrier or chartered carrier, causing a missed connection. Trip Cancellation Benefits: 1, 2 Trip Interruption Benefits: 4, 5, 6, 7 20 The early departure, the late departure or the late arrival of your or your travelling companion’s common carrier or chartered carrier, by at least 4 hours when there is no connection. Trip Cancellation Benefits: 1, 2 Trip Interruption Benefits: 4, 5, 6, 7 21 The cancellation of your or your travelling companion’s common carrier or chartered carrier, for any reason other than bankruptcy, insolvency or quarantine. Trip Cancellation Benefits: 1, 2 Trip Interruption Benefits: 4, 5, 6, 7 22 The unforeseeable cancellation of your or your travelling companion’s tour by the tour operator. The cancellation must be for reasons beyond the tour operator’s control and unrelated to bankruptcy or insolvency. Trip Cancellation Benefits: 3 Trip Interruption Benefits: 11 23 An accident on the way to board a common carrier or chartered carrier, involving: a A private vehicle in which you are a passenger or driver; or, b Another common carrier or chartered carrier in which you are a passenger. Under a) and b), a police report or written confirmation from the common carrier or chartered carrier is required. Trip Cancellation Benefits: 1, 2 Trip Interruption Benefits: 4, 5, 6, 7 24 The delay of a private vehicle resulting from mechanical failure of the vehicle, weather conditions, earthquakes, volcanic eruptions, a traffic accident, or an emergency police-directed road closure. Trip Cancellation Benefits: 1,2 Trip Interruption Benefits: 4, 5, 6, 7 Other 25 A natural disaster occurring within the 90 days before your scheduled departure date or during your trip, which renders your or your travelling companion’s principal residence uninhabitable or place of business inoperative. Trip Cancellation Benefits: 1,2 Trip Interruption Benefits: 4, 5, 6, 7 26 An unforeseeable event completely independent of any intentional or negligent act occurring within the 90 days before your scheduled departure date or during your trip, which renders your or your travelling companion’s principal residence uninhabitable or place of business inoperative. Trip Cancellation Benefits: 1,2 Trip Interruption Benefits: 4, 5, 6, 7 25 27 A natural disaster or unforeseeable event completely independent of any intentional or negligent act occurring during your trip, which renders your principal residence uninhabitable and that causes you to interrupt your trip before your scheduled return date. Trip Cancellation Benefits: none Trip Interruption Benefits: 8 Benefits Maximum limit — Up to the sum insured as indicated on the Policy declaration The maximum limit is the sum insured as shown on the Policy Declaration, which is an aggregate limit per insured, per Policy. Benefits 1b, 3b, 7, 10b, 10c and 11b apply per insured, per trip and are payable either up to the maximum limit or to the amount listed in the benefit, whichever is lower. All other benefits are payable up to the maximum limit per insured, per trip. Trip Cancellation Before Departure Benefits outlined below are payable if cancellation of your trip results in unexpected expenses. 1 Reimbursement of: a Non-refundable prepaid travel costs, other than prepaid transportation costs, that cannot be recovered from another source; and, b Up to a maximum of $350 for additional commercial accommodation to resume your travel itinerary to your next pre-scheduled destination, when you choose to cancel a portion of your trip; and, c Non-refundable prepaid transportation costs that cannot be recovered from another source; or, d Either of the following, if you choose not to cancel your trip or if you choose to cancel a portion of your trip: i The change fees or difference in fare charged by the transportation supplier and/or travel supplier; or, ii A one-way common carrier economy fare via the most direct route to resume your travel itinerary to your next pre-scheduled destination. Under 1b) and 1dii), if you received any refunds, or travel credits or any other financial benefits from the travel supplier for your original, unused prepaid travel costs, reimbursement towards an economy fare or commercial accommodation will be limited to the amount over and above the refund, travel credit or financial benefit received. 2 Reimbursement of the additional single supplement commercial accommodation expense in the event a travelling companion cancels their trip. 3 Reimbursement of: a Your non-refundable prepaid tour; and, b Your non-refundable prepaid transportation that is not part of your tour, up to a maximum of $1,000. 26 Trip Interruption After Departure Benefits outlined below are payable if interruption of your trip results in unexpected expenses. 4 Reimbursement of either: a Your non-refundable, unused prepaid airfare costs; or, b Change fees or difference in fare charged by the transportation supplier and/or travel supplier; or, c One-way economy transportation costs (or reasonable rental car costs in lieu) to the next travel destination or to return to the original departure point; or, d An airline seat upgrade when medically necessary to the original departure point to return earlier or later than the return date. This benefit is only payable if the attending physician indicates in writing that the upgrade is medically required and when pre-approved and arranged by us. Under c) and d), if you received any refunds, travel credits or any other financial benefit from the travel supplier for your original, unused prepaid airfare, reimbursement towards a new one-way airfare will be limited to the amount over and above the refund, travel credit or financial benefit received. 5 Reimbursement of your other non-refundable unused prepaid travel costs, excluding the cost of unused prepaid transportation back to the original departure point from a destination where you have already been reimbursed for transportation costs under Benefit no.4c) to return you to your original departure point. 6 Reimbursement of the additional single supplement commercial accommodation expense in the event a travelling companion cancels or interrupts their trip. 7 Up to the limit of $350 per day to a maximum of $1,500 for your reasonable and unexpected out-of-pocket expenses for commercial accommodation, meals, internet, telephone, kennel fees, parking charges and taxi expenses. Coverage under this benefit is only available until there is an opportunity for you to resume travel to catch up to the next travel destination or to return to the original departure point, regardless of whether you choose to do so. 8 Reimbursement of the cost of a round-trip economy airfare to return you to the original departure point and back to your original travel destination point provided the return to your original travel destination takes place within the same trip. If you return to your province/territory of residence under this benefit, your Policy will not terminate, however, you will not be covered for any expenses incurred in your province/territory of residence. There is also no refund for the number of days you spend in your province/territory of residence. 9 Reimbursement of the cost of a round-trip economy airfare to return you to the original departure point or the place of hospitalization or death of your family member and back to your original travel destination point, provided the return to your original travel destination takes place within the same trip. For airfare to a location other than the departure point, the cost of the ticket is limited to the cost for a round-trip economy airfare to the departure point. If you return to your province/territory of residence under this benefit, your Policy will not terminate, however, you will not be covered for any expenses incurred in your province/territory of residence. There is also no refund for the number of days you spend in your province/territory of residence. 27 10 Expenses Related to Death — In the event of your death during a trip, we will pay: a Up to the Policy limit for preparation and return of your body, including the cost of a standard shipping container (excluding the cost of funeral and related expenses or a burial coffin) to your province/territory of residence; or, b Up to a maximum of $5,000 for burial at the place of death (excluding the cost of funeral and related expenses or a burial coffin), including one death certificate, in the event your body is not returned to your province/territory of residence; or, c Up to a maximum of $5,000 for cremation at the place of death (excluding the cost of funeral and related expenses or an urn), including one death certificate and the standard shipping cost to return your ashes to your province/territory of residence. 11 Reimbursement of: a Your non-refundable, unused prepaid tour; and, b Up to a maximum of $1,000, for the lesser of the change fees or difference in fare charged by the common carrier or chartered carrier involved to return you to the original departure point (if such option is available to you) or for the extra cost of a one-way economy airfare on a commercial flight via the most direct route to return you to your original departure point, if cancellation occurs prior to the departure of the tour but after your departure. Conditions In addition to the General Conditions shown on page 51, the following conditions apply: 1 Coverage is provided when your travel destination is outside of your ordinary place of residence, place of employment, and place of study; including your commute to and from these places, and when one or more of the following also applies: a Your travel destination is more than 40km away from your ordinary place of residence; or, b Your trip includes at least one overnight stay in a commercial accommodation; or, c Your trip is outside of your province/territory of residence. 2 Duplication of Coverage — If you are insured under more than one Policy, Plan or Optional Coverage administered by us and they are in effect at the time of loss, the total amount paid to you or on your behalf cannot exceed your total expenses. Expenses are paid to an overall maximum limit of $100,000 for any trip cancellation and/or trip Interruption claim. 3 When the reason for cancellation occurs before departure, you must: a Contact the travel or booking agent or airline on the day the reason for cancellation occurs or on the next business day; and, b Advise us within the same period. Claim payment will be limited to the cancellation penalties specified in the trip contracts which are in effect at the time the cause of cancellation occurs. 4 No claims will be considered unless the unused transportation ticket(s) or electronic ticket(s) are provided to us. If applicable, we will also require copies of substitute transportation tickets or electronic ticket(s) and travel or booking agent or travel supplier invoices. 28 5 Trip Cancellation ­— If you need to cancel your trip because of a medical condition, the patient must consult a physician before you cancel your trip and before the date and time you are scheduled to leave from your departure point. If it’s not possible for the patient to consult a physician on or before the date and time you are scheduled to leave from your departure point, the patient must consult a physician within one business day from the scheduled date of departure. Trip Interruption — If you need to interrupt your trip because of a medical condition, the patient must consult a physician at the place where the medical condition occurred, on or before the date and time you interrupt or disrupt your trip. In both cases, you must provide a medical certificate or letter completed by the attending physician at the place where the medical condition occurred, advising against travel that includes: a complete diagnosis, the date of onset of the medical condition, the dates and type of treatment, and the medical necessity of cancelling or interrupting or disrupting your trip. If a physician was not consulted as required or if you do not provide the complete written certificate, your claim will be denied. 6 If you purchased a single trip policy and your travel dates change, you must notify us of your new travel dates. Failure to do so will result in denial of your claim. 7 The benefits are only applicable if: a You had left enough travel time to comply with the common carrier’s or chartered carrier’s recommended check-in time before departure; and, b Your trip, whether booked online or through a travel or booking agent, meets the minimum connection times approved by the applicable travel provider. 8 If you purchased a Multi Trip Annual Trip Cancellation & Trip Interruption Policy or a Multi Trip Annual Trip Interruption Insurance Only Policy, your trip must start on or after the effective date of the Policy and end before 11:59 PM on the expiry date of the Policy as noted on your Policy Declaration. Any trips scheduled to start before the effective date of the Policy or end after the expiry date of the Policy are not covered, except as specified under the heading Period of Coverage, sub-heading Multi Trip Annual. 9 We do not reimburse the cash value of any travel costs that have been booked and paid for with points, air miles or any other type of travel reward program. However, we will reimburse the cost of any applicable administration fees to reinstate points. 10 If you increase your Policy sum insured, all exclusions below will apply to the date you increased your sum insured, for the amount of the increase. 11 Coverage will not be provided for any unused prepaid travel expenses when a refund, travel credit or any other financial benefit is available to cover the cost, whether you choose to accept the refund, credit and/or financial benefit or not. 12 If you purchased an adventure tourism travel package that includes a tour, accommodation, meals, transportation and/or other amenities and you only miss the tour portion of the trip, but an itemized invoice breaking down the charges is not available from the travel supplier, reimbursement will be limited to 70% of the total package costs for the unused tour portion of the trip. 29 Exclusions In addition to the General Exclusions shown on page 49, we will not be liable to provide coverage or services, or to pay claims for expenses incurred directly or indirectly as a result of: 1 A trip booked or for which Insurance is purchased after the diagnosis of a terminal condition. 2 A trip booked or for which Insurance is purchased while receiving palliative care or after palliative care was recommended. 3 Any claim incurred for a trip booked or for which Insurance is purchased after a physician advised you or your travelling companion not to travel. 4 Any claim incurred for a trip booked or for which Insurance is purchased after any other registered medical practitioner advised you or your travelling companion not to travel. 5 Cancellation or interruption caused by or related to a circumstance known to you or any person purchasing insurance on your behalf before the date and time the trip is booked or before the date and time this Insurance is purchased, whichever occurs later. 6 Cancellation or interruption caused by or related to the following events occurring before the date and time this Insurance is purchased or before the date and time the trip is booked: earthquakes, tsunamis, hurricanes, tornados, cyclones, avalanches, rock slides, snow storms/blizzards, floods, wildfires, volcanic eruptions, volcanic ash clouds, political unrest, epidemics and/or pandemics. This exclusion applies whether or not you were aware of these events at the date and time this Insurance was purchased and/or the trip was booked and whether or not these events were affecting any of your travel destinations at the date and time this Insurance was purchased and/or the trip was booked. 7 Cancellation or interruption caused by or related to any of the following: a Coronavirus disease (COVID-19); b Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2); c Any mutation or variation of SARS-CoV-2. This exclusion does not apply if you must cancel or interrupt your trip as a result of a medical condition caused by or related to any of the above. 8 Travel costs which were not prepaid. 9 A trip if at any point you are mountaineering over a 6,000-metre elevation or heliskiing (at any elevation) when the travel costs for these activities were purchased before departure, unless you have paid the applicable surcharge(s) for the Sports & Activities Travel Costs Coverage as shown on your Policy declaration. This applies to all trip cancellation or interruption benefits and all travel costs, regardless of whether the claim is related to the activity of mountaineering over a 6,000-metre elevation or heliskiing (at any elevation). If you purchased travel costs after departure for the activity of mountaineering over a 6,000-metre elevation or heliskiing (at any elevation), coverage for these travel costs is excluded. Please Note: The Sports & Activities Travel Costs Optional Coverage cannot be purchased with the All Inclusive Holiday Package or the Non-Medical Package. If you are mountaineering over a 6,000-metre elevation or heliskiing (at any elevation) at any point during your trip, you will not have coverage for trip cancellation or interruption under either of the packages. 30 10 Medical conditions or any related medical conditions for which, on or before the departure date, diagnostic tests took place, were scheduled to take place or were recommended and for which results had not yet been received at the time of departure. This includes diagnostic tests that were scheduled or recommended on or before the departure date but had not yet taken place at the time of departure. This exclusion does not apply to: a Tests to monitor an existing medical condition if there have been no new or more frequent symptoms, whether or not results have been received; or, b Screening tests intended to prevent illness or to detect medical conditions before symptoms are noticed, whether or not results have been received. 11 Medical conditions or any related medical conditions for which, on or before the departure date, tests to follow up on the effectiveness or response to a procedure, surgery or hospitalization were scheduled to take place or were recommended. This includes tests that were scheduled or were recommended on or before the departure date but had not yet taken place at the time of departure. 12 Medical conditions or any related medical conditions for which before the departure date, medical procedures, surgeries and/or referrals to a specialist were scheduled to take place or were recommended but had not yet taken place at the time of departure. 13 Emotional or mental disorders, unless they result in hospitalization. 14 Acute psychosis if drug or alcohol induced. 15 A disease, illness or death (other than death caused by an accident) occurring within 72 hours after the date and time this Insurance was purchased, a sum insured upgrade was purchased and/or an optional coverage was added to the Policy if the Policy, upgrade, or optional coverage was purchased more than 72 hours after the travel costs are booked. 16 Travel undertaken to visit an ailing family member where the medical condition or death of that family member is the cause of the cancellation or interruption of the trip. 17 An early or late return due to a medical condition, unless ordered in writing by the attending physician that you return to your departure point. 18 Any pre-existing medical condition affecting you or your family member, caregiver, friend, business partner, host at destination, employer or key employee, unless the pre-existing medical condition was stable: Applicable to Multi Trip Annual a On or within the 60 days before the date your trip is booked when the Insurance is purchased before the date your trip is booked; or, b On or within the 60 days before the date this Insurance is purchased when the Insurance is purchased after the date your trip is booked. Applicable to Single Trip On or within the 60 days before the date this Insurance is purchased. 19 Any pre-existing medical condition affecting your travelling companion or your travelling companion’s family member, caregiver, business partner, host at destination, employer or key employee, unless the pre-existing medical condition was stable: Applicable to Multi Trip Annual a On or within the 60 days before the date your trip is booked when the Insurance is purchased before the date your trip is booked; or, b On or within the 60 days before the date this Insurance is purchased when the Insurance is purchased after the date your trip is booked. Applicable to Single Trip On or within the 60 days before the date this Insurance is purchased. 31 20 Applicable to Multi Trip Annual Trip Cancellation Any complications that develop after: a The date your trip is booked, related to a pre-existing medical condition that was not stable on or within the 60 days before the date your trip is booked, when the Insurance is purchased before the date your trip is booked; or, b The date this Insurance is purchased, related to a pre-existing medical condition that was not stable on or within 60 days before the date this Insurance is purchased, when the Insurance is purchased after the date your trip is booked. Applicable to Single Trip Trip Cancellation Any complications that develop after the date this Insurance is purchased, related to a pre-existing medical condition that was not stable on or within 60 days before the date this Insurance is purchased. 21 Applicable to Multi Trip Annual and Single Trip Trip Interruption Any complications that develop after the departure date, related to a pre-existing medical condition that was not stable on or within the 60 days before the departure date. 22 a Any medical condition, including symptoms of withdrawal, arising from, or in any way related to the chronic use of alcohol, drugs or other intoxicants whether prior to or during the trip. b Any medical condition arising from, or in any way related to, the misuse or abuse of drugs or other intoxicants, or to the use or abuse of alcohol when a blood alcohol level of 80 milligrams of alcohol per 100 millilitres of blood has been reached or when records indicate intoxication and no blood alcohol level is specified. 23 Any cancer (other than basal cell or squamous cell skin cancer and/or cancer that is in remission) where active cancer treatment was received or recommended (including active cancer treatment that was recommended but declined): Applicable to Multi Trip Annual a On or within the 90 days before the date your trip is booked when the Insurance is purchased before the date your trip is booked; or, b On or within the 90 days before the date this Insurance is purchased when the Insurance is purchased after the date your trip is booked. Applicable to Single Trip On or within the 90 days before the date this Insurance is purchased. 24 Cancellation due to a medical condition when a physician has not been consulted and has not advised against travel, on or before the date and time of cancellation. When it’s not possible for the patient to consult a physician on or before the date and time you are scheduled to leave from your departure point, the patient must consult a physician within one business day from the scheduled date of departure. 25 Interruption due to a medical condition when a physician has not been consulted at the place where the medical condition occurred and has not advised against travel, on or before the date and time of interruption or disruption. 32 Refunds Refunds must be requested in writing. Refunds are not available if a claim has been or will be submitted, except when a claim is submitted and you are eligible for a refund as specified under the heading Applicable to Trip Cancellation & Trip Interruption Insurance, sub-heading Single Trip. Applicable to Trip Cancellation & Trip Interruption Insurance Multi Trip Annual and Single Trip When no travel has taken place, a full refund is available in the 10 days from the application date of the Policy. A full refund is also available when the trip is cancelled before any penalties from the travel supplier apply. Single Trip If you purchased a trip cancellation sum insured that exceeded any payments or deposits made for your trip, a partial refund may be provided if the refund is requested before departure. Proof of all payments made up to the date the refund was requested must be submitted to us. Applicable to Trip Interruption Insurance Only Multi Trip Annual 1 When no travel has taken place and the request for refund is received BEFORE the effective date of the Policy, a full refund is available. 2 When no travel has taken place and the request for refund is received AFTER the effective date of the Policy: a A full refund is available in the 10 days from the application date of the Policy; or, b A partial refund is available when the request for refund is received more than 10 days after the application date of the Policy but within the 90 days from the effective date of the Policy. Single Trip 1 When no travel has taken place and the request for refund is received BEFORE the effective date of the Policy, a full refund is available. 2 When no travel has taken place and the request for refund is received AFTER the effective date of the Policy, a full refund is available in the 10 days from the application date of the Policy. 33 Accidental Death and Dismemberment Insurance — Multi Trip Annual & Single Trip Air Flight/Common or Chartered Carrier Accident: Maximum limit — $100,000 24-hour Accident: Maximum limit — $25,000 Eligibility At the time of application, you are eligible for coverage if: 1 You are a Canadian resident. 2 You are not travelling against a physician or any other registered medical practitioner’s advice. 3 You have not been diagnosed with a terminal condition. 4 You are not receiving palliative care or palliative care has not been recommended. Period of Coverage Multi Trip Annual This Policy begins at 12:01 AM on the effective date of the Policy and continues in force for a period of one year from the effective date of the Policy. Coverage commences on the date and time you leave for your trip. Coverage terminates on the date and time you return to your ordinary place of residence or at 11:59 PM on the expiry date, whichever occurs first. Single Trip Coverage commences on the date and time you leave for your trip. Coverage terminates on the earliest of the following: 1 At 11:59 PM on the expiry date of the Policy: 2 On the date and time you return to your ordinary place of residence, except as outlined below: a If you are also covered under the Trip Cancellation & Trip Interruption Insurance or Trip Interruption Insurance Only and your trip is interrupted before the scheduled return date as a result of an event as mentioned under the Trip Cancellation & Trip Interruption benefit numbers 8 and 9; your Policy will not terminate, however you will not be covered while in your province/territory of residence. There will be no refund for the number of days you spend in your province/territory of residence. b If you also are covered under the Emergency Medical Insurance and you are returned to your province/territory of residence under the Emergency Air Transportation Benefit or the Airfare to Return Home for Treatment Benefit during the period of coverage, coverage will be suspended during your temporary return and will resume once you return to your trip destination under the Return to Your Destination benefit. In this case, your Policy will not terminate, however you will not be covered while in your province/territory of residence. There will be no refund for the number of days you spend in your province/territory of residence. 34 Covered Risks Air Flight/Common or Chartered Carrier Accident Death or dismemberment as a result of an accident sustained during the period of coverage while riding, entering or leaving a lawfully operated, licensed common carrier or chartered carrier. Coverage is also applicable to insured children under 2 years of age (who are accompanied by a fare paying passenger) while riding, entering or leaving a lawfully operated, licensed common carrier or chartered carrier. 24-hour Accident Death or dismemberment as a result of an accident sustained during the period of coverage in any other situation not specifically mentioned under Air Flight/Common or Chartered Carrier above. Benefits In the case of your accidental death or certain losses resulting from an accident, we will pay to or on behalf of you, your estate or other beneficiary, the benefits as outlined below, but in no event shall payment exceed the sum insured under this section: 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. Benefits for loss of life, limb or sight are payable for loss which occurs in the 90 days from the date of the accident. Any claim for indemnity for loss of life, dismemberment or loss of sight must be substantiated by a certificate from the attending medical physician at the place of the accident attesting to the actual injuries sustained. Conditions 1 Coverage is provided when your travel destination is outside of your ordinary place of residence, place of employment, and place of study; including your commute to and from these places, and when one or more of the following also applies: a Your travel destination is more than 40km away from your ordinary place of residence; or, b Your trip includes at least one overnight stay in a commercial accommodation; or, c Your trip is outside of your province/territory of residence. 2 This plan cannot be purchased with an Emergency Medical Insurance plan that has been purchased to top-up another emergency medical insurance plan. If you would like to purchase the Accidental Death & Dismemberment Insurance with the Emergency Medical Insurance, you must purchase them as separate Policies. 35 Exclusions In addition to the General Exclusions shown on page 49, we will not be liable to provide coverage or services, or to pay claims for expenses incurred directly or indirectly as a result of: 1 Any claim incurred after a physician advised you not to travel. 2 Any claim incurred after any other registered medical practitioner advised you not to travel. 3 A trip that is undertaken after the diagnosis of a terminal condition. 4 A trip that is undertaken while you are receiving palliative care or after palliative care has been recommended. 5 Any cancer (other than basal cell or squamous cell skin cancer and/or cancer that is in remission) for which you received or were recommended to receive active cancer treatment on or within the 90 days before the date of departure. This includes active cancer treatment that you were recommended to receive but chose to decline. 6 a Any medical condition, including symptoms of withdrawal, arising from, or in any way related to, your chronic use of alcohol, drugs or other intoxicants whether prior to or during your trip. b Any medical condition arising during your trip from, or in any way related to, the misuse or abuse of drugs or other intoxicants, or to the use or abuse of alcohol when you have reached a blood alcohol level of 80 milligrams of alcohol per 100 millilitres of blood or when records indicate you were intoxicated and no blood alcohol level is specified. 7 An official travel advisory issued by a Canadian government stating to “avoid all travel” or “avoid non-essential travel” regarding the country, region or city of your destination, before the effective date of the Policy or the date you travel to that destination (including any stopovers, layovers or any other destinations you are transiting through). To view the travel advisories, visit the Government of Canada Travel site. If an official travel advisory is issued for the country, region or city of your destination after you have already arrived to that country, region or city, your coverage for an emergency or a medical condition related to the travel advisory in that specific destination will be limited to a period of 30 days from the date the travel advisory was issued. We may extend this coverage beyond 30 days if authorized at our discretion. This exclusion does not apply to claims for an accident unrelated to the travel advisory. 36 8 Your participating, training, or practicing for any of the following activities (except when coaching and/or officiating as a referee or sports official): • Backcountry skiing/snowboarding • Mixed martial arts • Base jumping • Mountaineering over a 6,000-metre • Boxing elevation • Downhill freestyle skiing/snowboarding • Mountaineering up to a 6,000-metre in organized competitions elevation • Downhill mountain biking • Parachuting/skydiving/tandem skydiving • Hang gliding/paragliding • Rock climbing • High risk motorized speed activities • Scuba diving or free diving over 40 metres • High risk snowmobiling and motorized snow biking • White water sports – Class VI • Ice climbing • Wingsuit flying 9 Your participating, training, or practicing as part of a registered team, league, association or club; or while competing in a registered tournament, competition or sporting event for the following sports (except when coaching and/or officiating as a referee or sports official) if you are 21 years of age or over at the time of application: • Football • Ice hockey (American and Canadian) • Rugby Limitation The total aggregate limit is $10,000,000 for any one event under this Policy and all policies administered and issued by us. If the total sum of all claims resulting from the same event exceeds the total aggregate limit, the $10,000,000 will be shared proportionately among all insureds. The proportionate share for each insured will not exceed the maximum limits of their plan. Payment will be processed after we have completed the review of all submitted claims related to the same event. Refunds Refunds requested after the effective date of the Policy must be in writing. Refunds are not available if a claim has been or will be submitted. Applicable to Multi Trip Annual and Single Trip 1 When no travel has taken place and the request for refund is received BEFORE the effective date of the Policy, a full refund is available. 2 When no travel has taken place and the request for refund is received AFTER the effective date of the Policy: a For all plans, a full refund is available in the 10 days from the application date of the Policy; or, b For Single Trip plans, a partial refund is available when the request for refund is received more than 10 days after the application date of the Policy but before the expiry date of the Policy. c For Multi Trip Annual plans, a partial refund is available when the request for refund is received more than 10 days after the application date of the Policy but within the 90 days after the effective date of the Policy. 37 Applicable to Single Trip Only 1 When travel has taken place, a partial refund is available. Refunds are calculated as follows: a From the date the cancellation request is submitted to us, whether or not you are in your ordinary place of residence; or, b From the date of return to your ordinary place of residence if a satisfactory proof of return is sent to us and the request is received by us within the 90 days after the expiry date of the Policy. Non-Medical Package — Single Trip This Insurance is subject to the General Conditions, General Exclusions and Definitions as well as the benefits, terms, conditions, limitations and exclusions as specified for each of the Insurance coverages listed below. Coverage commences on the application date of the Policy for Trip Cancellation & Trip Interruption Insurance. For all other plans, coverage commences on the effective date of the Policy. Trip Cancellation & Trip Interruption Insurance Maximum limit for sum insured before departure — Up to the sum insured as indicated on the Policy declaration Maximum limit for sum insured after departure — $25,000 Accidental Death and Dismemberment Insurance Maximum limit for Air Flight/Common or Chartered Carrier Accident — $100,000 Maximum limit for 24-hour Accident — $25,000 Baggage Insurance Maximum limit — $500 Condition This plan cannot be purchased with an Emergency Medical Insurance Policy if that Policy has been purchased to top-up another emergency medical insurance plan. If you would like to purchase the Non-Medical Package and an Emergency Medical Insurance, you must purchase them as separate Policies. Refunds When no travel has taken place, a full refund is available in the 10 days from the application date of the Policy. A full refund is also available when the trip is cancelled before any penalties from the travel supplier apply. If you purchased a trip cancellation sum insured that exceeded any payments or deposits made for your trip, a partial refund may be provided. Proof of all payments made up to the date the refund was requested must be submitted to us. 38 All Inclusive Holiday Package — Single Trip Available for Insureds 59 Years and Under at the Time of Application This Insurance is subject to the General Conditions, General Exclusions and Definitions as well as the benefits, terms, conditions, limitations and exclusions as specified for each of the Insurance coverages listed below. Coverage commences on the application date of the Policy for Trip Cancellation & Trip Interruption Insurance. For all other plans, coverage commences on the effective date of the Policy. Emergency Medical Insurance Maximum limit — $10,000,000 Trip Cancellation & Trip Interruption Insurance Maximum limit for sum insured before departure — Up to the sum insured as indicated on the Policy declaration Maximum limit for sum insured after departure — $25,000 Accidental Death and Dismemberment Insurance Maximum limit for Air Flight/Common or Chartered Carrier Accident — $100,000 Maximum limit for 24-hour Accident — $25,000 Baggage Insurance Maximum limit — $500 Condition This plan cannot be purchased to top-up another plan with emergency medical insurance. If you would like to purchase this Insurance, you must purchase it for the full duration of your trip. Refunds When no travel has taken place, a full refund is available in the 10 days from the application date of the Policy. A full refund is also available when the trip is cancelled before any penalties from the travel supplier apply. If you purchased a trip cancellation sum insured that exceeded any payments or deposits made for your trip, a partial refund may be provided. Proof of all payments made up to the date the refund was requested must be submitted to us. 39 Optional Coverages The optional coverages listed in this section may only be purchased as an endorsement to an insurance plan or package described in this Policy. The Optional Coverages are also subject to the 10-day Full Refund Provision, Insuring Agreement, General Exclusions, General Conditions, Authorized Extensions, Automatic Annual Renewal Option, Definitions, Statutory Conditions and How to Claim sections of the Policy. Baggage Insurance This optional coverage can be purchased as an endorsement to the following plans and will be subject to the terms and conditions of the plan it is purchased with: • A Single Trip Emergency Medical Insurance • A Single Trip Trip Cancellation & Trip Interruption Insurance • A Single Trip Trip Interruption Insurance Only • A Single Trip Accidental Death & Dismemberment Insurance • An All Inclusive Holiday Package • A Non-Medical Package Maximum limit — $1,500 per insured to a maximum of $3,000 for the family & friends plan Period of Coverage Coverage commences on the date and time you leave for your trip. Coverage terminates on the earliest of the following: 1 At 11:59 PM on the expiry date of the Policy; 2 On the date and time you return to your ordinary place of residence, except as outlined below: a If you are also covered under the Trip Cancellation & Trip Interruption Insurance or Trip Interruption Insurance Only and your trip is interrupted before the scheduled return date as a result of an event as mentioned under the Trip Cancellation & Trip Interruption benefit numbers 8 and 9; your Policy will not terminate, however you will not be covered while in your province/territory of residence. There will be no refund for the number of days you spend in your province/territory of residence. b If you are also covered under the Emergency Medical Insurance and you are returned to your province/territory of residence under the Emergency Air Transportation Benefit or the Airfare to Return Home for Treatment Benefit during the period of coverage, coverage will be suspended during your temporary return and will resume once you return to your trip destination under the Return to Your Destination benefit. In this case, your Policy will not terminate, however you will not be covered while in your province/territory of residence. There will be no refund for the number of days you spend in your province/territory of residence. 40 Benefits Baggage and Personal Effects We agree to pay for the loss, damage, destruction or theft of personal effects owned by and travelling with the insured while in transit, or while in any hotel or other building, en route anywhere in the world, on land or water or in the air. Currency We agree to pay for loss of currency through theft or robbery of personal currency (excluding unexplained disappearance; police report required), up to a limit of $100. Baggage Delay If your baggage is delayed beyond 12 hours while you are en route and before you return to your ordinary place of residence, we will pay for personal necessities up to a maximum of $200, if purchased before you return to your ordinary place of residence and before your baggage has been returned to you. Limitation Coverage for risk of loss of or damage to your property for any single item is limited to not more than 25% of the sum insured per insured per claim. Conditions In addition to the General Conditions shown on page 51, the following conditions apply: 1 Coverage is provided when your travel destination is outside of your ordinary place of residence, place of employment, and place of study; including your commute to and from these places, and when one or more of the following also applies: a Your travel destination is more than 40km away from your ordinary place of residence; or, b Your trip includes at least one overnight stay in a commercial accommodation; or, c Your trip is outside of your province/territory of residence. 2 This insurance offers coverage on a first payor basis unless the property that is lost, stolen or damaged is: a insured for a specific value under another insurance policy; or, b in the care of any common carrier or chartered carrier at the time of loss, theft or damage. 3 Notice of Loss — If the insured property is lost, stolen or damaged, you must promptly notify the police, any hotel, hostel, campground, timeshare, vacation rental, airline or any other commercial common carrier or chartered carrier in whose custody the property was at the time of loss, damage or theft. You must also notify us within 30 days from the date of return and take all reasonable measures to protect, save and/or recover the property. 4 Payment of Loss — Any claim hereunder for damage and/or destruction shall be paid immediately after we have been presented evidence substantiating such damage and/or destruction. 41 5 Valuation — We shall reimburse the repair or replacement with a like kind and quality or the actual cash value of the property at the time any loss or damage occurs, whichever is less. 6 Duplication of Coverage — If you are insured under more than one Policy, Plan or Optional Coverage administered by us and they are in effect at the time of loss, the total amount paid to you or on your behalf cannot exceed your total expenses. Expenses are paid to an overall maximum limit of $5,000 per insured for the Baggage plan. The maximum limit for the Family & Friends plan is $7,500 for the Baggage plan. 7 This optional coverage cannot be purchased as an endorsement to an Emergency Medical Insurance plan when this Policy is purchased to top-up another emergency medical insurance plan. If you would like to purchase this optional coverage with the Emergency Medical Insurance plan, you must purchase the Emergency Medical Insurance for the full duration of your trip. 8 Coverage is not subject to the deductible as specified in the section entitled Emergency Medical Insurance. Exclusions In addition to the exclusions of the plan this optional coverage is purchased with and to the General Exclusions shown on page 49, we will not be liable to provide coverage or services, or to pay claims for expenses incurred directly or indirectly as a result of: 1 Loss, damage or theft of: • Animals; or, • Money (except as specified under the • Motorized vehicles of any kind and Currency Benefit), securities, tickets and their accessories and/or related documents; or, equipment; or, • Electronic and/or mobile devices • Trailers, boats, motors, aircrafts or other and their accessories and/or related vehicles and their accessories and/or equipment; or, related equipment; or, • Professional or occupational equipment • Bicycles except while checked as or property; or, baggage with a common carrier or • Works of art, antiques and collectors’ chartered carrier; or, items; or, • Household goods and furnishings; or, • Property illegally acquired, kept, stored or • Artificial teeth and limbs; or, transported; or, • Hearing aids; or, • Jewellery or furs; or, • Prescription and non-prescription • Cameras, camera accessories and/or glasses (including sunglasses) and related equipment. contact lenses; or, 2 Loss or damage caused by wear and tear, deterioration, moths or vermin. 3 Property insured for a specific value under another insurance policy. 4 Loss caused by theft from an unattended vehicle unless the vehicle was securely locked and displayed visible signs of forced entry. 5 Any loss caused by or related to a circumstance known to you or to any person purchasing this Policy on your behalf before the date and time this Insurance is purchased. 42 Rental Car Protection This optional coverage can be purchased as an endorsement to the following plans and will be subject to the terms and conditions of the plan it is purchased with: • A Single Trip Emergency Medical Insurance • A Single Trip Trip Cancellation & Trip Interruption Insurance • A Single Trip Trip Interruption Insurance Only • A Single Trip Accidental Death & Dismemberment Insurance • An All Inclusive Holiday Package • A Non-Medical Package Period of Coverage Coverage commences either when you take control of the rented or leased automobile or on the effective date of the Policy, whichever is later. Coverage terminates at the earliest of: 1 The time the rental or leasing agency or company assumes control of the automobile; or, 2 The time the rental or lease agreement expires or is terminated; or, 3 The expiry date of the Policy. Benefits Maximum limit — $75,000 The sum insured is an aggregate limit per automobile, per trip. We agree to pay you up to a maximum of $75,000 per trip for physical damage to a rented or leased automobile anywhere in the world while the automobile is in your care, custody or control or of those persons permitted to operate the automobile under the terms of the rental or lease agreement. This includes the reasonable general average costs of towing, salvage, fire department charges, custom duties and the reasonable loss of use of the rented or leased automobile for which you are responsible. Coverage will be limited to the amount of physical damage which would have been waived had you purchased collision damage waiver from the automobile rental or leasing agency or company. 43 Conditions In addition to the General Conditions shown on page 51, the following conditions apply: 1 Coverage is provided when your travel destination is outside of your ordinary place of residence, place of employment, and place of study; including your commute to and from these places, and when one or more of the following also applies: a Your travel destination is more than 40km away from your ordinary place of residence; or, b Your trip includes at least one overnight stay in a commercial accommodation; or, c Your trip is outside of your province/territory of residence. 2 You must hold a valid driver’s license. 3 No coverage is provided for any form of third party automobile liability or personal accident insurance benefits. 4 No coverage is provided if collision damage waiver is purchased from the rental or leasing agency or company. 5 No coverage is provided unless all terms and conditions of the rental or lease agreement or contract have been met and no restrictions are violated. 6 Physical damage in excess of $2,000 must be documented by a police report. 7 Such automobile is leased or rented from a duly authorized rental or leasing agency or company. 8 The automobile is not used for carrying passengers for compensation or hire or for commercial vehicle. 9 This Insurance is only available for the original leased or rented automobile. There shall be no coverage if physical damage is incurred to any replacement automobile. 10 Such automobile is not operated in contravention of any law or regulation related to motor vehicles in the jurisdiction governing the rental or lease agreement. 11 Duplication of Coverage — If you are insured under more than one Policy, Plan or Optional Coverage administered by us and they are in effect at the time of loss, the total amount paid to you or on your behalf cannot exceed your total expenses. Expenses are paid to an overall maximum limit of $150,000 for the Rental Car Protection plan. 12 Coverage is not subject to the deductible as specified in the section entitled Emergency Medical Insurance. 44 Exclusions In addition to the exclusions of the plan this optional coverage is purchased with and to the General Exclusions shown on page 49, we will not be liable to provide coverage or services, or to pay claims for expenses incurred directly or indirectly as a result of: 1 Operation of the automobile contrary to the terms of the rental or leasing contract that results in damage or damage-related expenses. 2 Injury to or for the death of any insured under this Insurance. 3 Damage to the property of third persons other than damage to the rental automobile of the licensed automobile rental or leasing agency. 4 Expenses resulting from any kind of race or speed contest. 5 Any amount payable under any automobile insurance policy. 6 Any amount assumed, waived or paid by the rental or leasing agency or company or its insurer. 7 Contents of the rental or leased automobile. 8 The mechanical failure or breakdown of any part of the rented or leased automobile, rust, corrosion, wear and tear, gradual deterioration, inherent defect or freezing. 9 Physical damage arising from the neglect or abuse of the leased or rented automobile by you or any persons listed in the rental or lease agreement. 10 The rental or lease of an exotic car. 11 Physical damage caused by theft from an unattended automobile unless the automobile was securely locked and displayed visible signs of forced entry. 45 Unstable Pre-existing Medical Condition Coverage This Optional Coverage can be purchased as an endorsement to an Emergency Medical Insurance Worldwide or Worldwide Excluding USA plan. Benefits Maximum limit — $300,000 This coverage does not increase the maximum limits of the Emergency Medical Insurance plan stated in the Policy. The maximum limit applies per trip, for all pre-existing medical conditions combined that are not stable. When this Optional Coverage is purchased, we will pay for the reasonable and customary charges for medical and related expenses up to the coverage limit for an acute, sudden and unexpected emergency medical condition incurred as a result of your pre-existing medical conditions that were not stable and existed on or before the date of departure. The charges must result from an emergency that first occurs after coverage commences (including after any applicable waiting period) and while you are travelling outside your province/territory of residence. Coverage is subject to the terms and conditions specified in the section entitled Emergency Medical Insurance, except for the wording under the sub-heading Pre-existing Medical Condition Stability Exclusion and is also subject to the exclusion and conditions described below. Exclusion In addition to the Emergency Medical Insurance exclusions and to the General Exclusions shown on page 49, we will not be liable to provide coverage or services, or to pay claims for expenses incurred directly or indirectly as a result of: Any medical condition which is not stable on or within the 7 days before the date of departure. Conditions Coverage for pre-existing medical conditions that were not stable is subject to the maximum benefit limits that are specified in the Emergency Medical Insurance plan but in no event shall exceed $300,000. 46 Sports & Activities Coverage This Optional Coverage can be purchased as an endorsement to an Emergency Medical Insurance plan. If a sport or activity is not listed in the benefits below or excluded under the General Exclusions, coverage for that sport or activity will be provided under the Emergency Medical Insurance plan without the purchase of this Optional Coverage. For more details on excluded sports and activities, refer to the General Exclusions on page 49. Benefits This coverage does not increase the maximum limits of the Emergency Medical Insurance plan stated in this Policy. Coverage is subject to the terms and conditions specified in the section entitled Emergency Medical Insurance. Applicable to All Ages We will pay reasonable and customary charges for medical and related expenses up to the coverage limits for an acute, sudden and unexpected emergency medical condition while participating in, training or practicing for the following sports or activities, if you select the applicable sport or activity at the time of application: Maximum limit — Up to the Policy limit • Backcountry skiing/snowboarding • Mountaineering over a 6,000-metre • Boxing elevation • Downhill freestyle skiing/snowboarding • Mountaineering up to a 6,000-metre in organized competitions elevation • Downhill mountain biking • Rock climbing • Ice climbing • Mixed martial arts Maximum limit — Up to $500,000 • BASE jumping • Scuba diving or free diving over • Hang gliding/paragliding 40 metres • High risk motorized speed activities • White water sports – Class VI • High risk snowmobiling and motorized • Wingsuit flying snow biking • Parachuting/skydiving/tandem skydiving The charges must result from an emergency that first occurs after coverage commences (including after any applicable waiting period) and while you are travelling outside of your province/territory of residence. For any of the sports or activities listed above, if you are coaching and/or officiating as a referee or sports official, the Sports & Activities Optional Coverage is not required for coverage to apply. Any sports or activities with a benefit limit of $500,000 have a combined limit of $500,000 total for all sports & activities selected. 47 Applicable to Insureds 21 Years and Over at the Time of Application Maximum limit — Up to the Policy limit We will pay reasonable and customary charges for medical and related expenses up to the coverage limits for an acute, sudden and unexpected emergency medical condition while participating in, training or practicing on behalf of a registered team, league, association or club; or while competing in a registered tournament, competition or sporting event for the following sports, if you select the applicable sport at the time of application: • Football • Ice hockey (American and Canadian) • Rugby The charges must result from an emergency that first occurs after coverage commences (including after any applicable waiting period) and while you are travelling outside of your province/territory of residence. For any of the sports or activities listed above, if you are coaching and/or officiating as a referee or sports official, the Sports & Activities Optional Coverage is not required for coverage to apply. Sports & Activities Travel Costs Coverage This Optional Coverage can be purchased as an endorsement to the following plans: • Trip Cancellation & Trip Interruption Insurance • Trip Interruption Insurance Only Benefits This coverage does not increase the maximum sum insured(s) for trip cancellation and/or trip interruption as stated on the Policy declaration. If at any point during your trip you are mountaineering over a 6,000-metre elevation or heliskiing (at any elevation), you will be covered for all eligible trip cancellation and/or interruption benefits available under the base plan that you purchased this Optional Coverage with. Coverage is subject to all terms and conditions specified in the section entitled Trip Cancellation & Trip Interruption Insurance. Conditions 1 Coverage cannot be purchased with Cancel for Any Reason Coverage. 2 Coverage cannot be purchased with the All Inclusive Holiday Package or the Non-Medical Package. If you purchased one of these packages and you would like trip cancellation and/or interruption coverage for your trip, you must purchase a separate trip cancellation and/or interruption policy and add the Sports & Activities Travel Costs Optional Coverage to that plan. 48 Cancel for Any Reason Coverage This Optional Coverage can be purchased as an endorsement to the following plans: • Trip Cancellation & Trip Interruption Insurance • All Inclusive Holiday Package • Non-Medical Package Benefits If you decide to cancel your trip or part of your trip for any reason other than a Covered Risk listed in this Policy, we will pay up to 50% of either a) or b) below, whichever is less: a Prepaid travel costs which are non-refundable and non-transferable to another date; or, b The sum insured selected before departure which is non-refundable and non-transferable to another date. Coverage is subject to the terms and conditions specified in the section entitled Trip Cancellation & Trip Interruption Insurance, however, the Trip Cancellation & Trip Interruption exclusions and General Exclusions do not apply to this Optional Coverage. Conditions 1 Insurance must be purchased: a In the 5 days from the date you make an initial payment, whether it’s a full payment, partial payment or deposit; or, b At any time before any cancellation penalties apply. 2 You must cancel the trip more than 5 days before your departure date. Exclusion We will not be liable to provide coverage or services, or to pay claims for expenses incurred directly or indirectly as a result of: 1 A trip if you are mountaineering over a 6,000-metre elevation or heliskiing (at any elevation) at any point during the trip. 49 General Exclusions Applicable to All Coverages In addition to the exclusions specified in each Insurance coverage, we will not be liable to provide coverage or services, or to pay claims for expenses incurred directly or indirectly as a result of: 1 Your participation in and/or voluntary exposure to acts of war or acts of terrorism. 2 Death, disablement or injury in any way caused by or contributed by radioactive contamination or by the utilization of nuclear, chemical or biological weapons (whether or not caused by acts of war or acts of terrorism). 3 Any medical condition that is the result of you not following treatment as prescribed to you, including prescribed or over the counter medication. 4 Consumption or use of illegal or controlled drugs (based on the law where the cause of the claim occurred). 5 Your participating, training or practicing in any areas that have been closed off to public access and/or can typically only be accessed by crossing a fenced, gated or roped-off area that has been marked as off limits according to recommendations of safety authorities in the area for the following activities: • Backcountry skiing/snowboarding • Mountaineering over a 6,000-metre • Downhill freestyle skiing/snowboarding elevation in organized competitions • Mountaineering up to a 6,000-metre • High risk snowmobiling and motorized elevation snow biking • Rock climbing • Ice climbing 6 Your participating in, training or practicing for any of the following sports or activities: • Barrel racing • Rodeo bareback racing • Bronc riding • Rodeo clowning • Bull riding • Rodeo team roping • Chariot racing • Steer wrestling/chute dogging • Chuck wagon racing • Trick riding • Harness racing 7 Any medical condition or recognized complication of a medical condition, where the purpose of your trip is to seek treatment, advice or services, and where the medical evidence indicates the treatment, advice or services received are related to that medical condition. 8 a Routine pre-natal or post-natal care; or, b Pregnancy, delivery, or complications of either, arising within the 9 weeks before the expected date of delivery or within the 9 weeks after. 9 Your child born during the trip, except as specified under the Unexpected Birth of a Child benefit. 10 Your voluntary termination of pregnancy or resulting complications. 50 11 Your suicide or attempt thereat or self-inflicted injury. 12 Your commission or attempted commission of a criminal offence or illegal act based on the law where the cause of the claim occurred. 13 Non-emergency, experimental or elective treatment or procedures (including but not limited to ongoing care, chronic care, rehabilitation or check-ups) and their related complications. 14 a Cosmetic surgeries, procedures and/or treatments, and, b Complications related to cosmetic surgeries. 15 Any medical condition or symptoms for which it is reasonable to believe or expect that treatments will be required during your trip. 16 Unless otherwise stated in this Policy (see General Condition, number 4), expenses incurred if other insurance policies, plans or contracts cover the loss. This includes, but is not limited to, any private or provincial automobile insurance plan or any provincial or territorial government health care plan. If, however, the loss exceeds the limits of the other policies, plans or contracts and if this Insurance covers losses and periods not covered by those other policies, plans or contracts, this Insurance shall then apply in excess of all other valid insurance. This exclusion does not apply to Accidental Death and Dismemberment Insurance and Baggage Insurance. 51 General Conditions Applicable to All Coverages Provisions & Conditions 1 This Policy is issued on the basis of information in your application or provided in connection with your application, which includes: a The eligibility requirements for the coverage purchased as specified under the heading Eligibility in this policy wording; and, b Any questions asked at the time of application or at any other time that your coverage is modified. When completing the application and answering any questions asked, the answers must be complete and accurate. If you were not eligible for coverage as specified under the heading Eligibility in the policy wording and/or if any of the answers are found to be incomplete or inaccurate, your coverage will be void, which means that any claim submitted will not be paid, and your premium will be refunded. This does not apply to rate qualification questions if a Medical Questionnaire is required. For terms that apply to rate qualification questions, refer to General Condition #2. 2 Applicable to Rate Qualification Questions in the Medical Questionnaire — This Policy is issued on the basis of information in your application in connection with the answers to the rate qualification questions in the Medical Questionnaire. When answering the rate qualification questions in the Medical Questionnaire, the answers must be complete and accurate. If any of the answers from the rate qualification questions in the Medical Questionnaire are found to be incomplete or inaccurate, the Emergency Medical Insurance plan will be impacted as follows: a A $15,000 USD deductible will apply to any incident claimed, in addition to any other deductible you may have selected; and, b Coverage won’t be provided until you correct your answers; and if applicable, you pay any additional premium that may be required. 3 If you, any person insured under this Policy or anyone acting on your behalf fails to disclose any material fact or makes a fraudulent, false or exaggerated statement or claim, your coverage will be void, which means that any claim submitted will not be paid, and your premium will be refunded. 4 Subrogation — We will not subrogate against any extended benefit plans if the lifetime maximum limit for all in-country and out-of-country benefits under that plan is currently $100,000 or less. If the lifetime maximum limit under that plan is greater than $100,000, we may exercise our right to subrogate, but, if applicable, we will limit our subrogated claim to the extent required to preserve $50,000 of the lifetime limit available under that plan, except in the event of your death. If compensation is or will be available from a third party for any payments made by us under this Policy, we have the right to subrogate to recover those payments. We, at our own expense, can file a suit in your name for that purpose and you authorize us to do so. This right of subrogation is in addition to and does not limit any other right of subrogation existing under common law, equity or statute. Further, if you make any claim against a third party related to payments that we made under this Policy, you will include the amount of those payments in your claim against the third party. If you 52 obtain compensation for a portion or all of the included payments we made, you must immediately remit that compensation to us. You understand that you shall do nothing to prejudice our rights of subrogation, which includes not releasing third parties from liability without our express written agreement. 5 Coordination of Benefits — Unless otherwise stated in this Policy, this Insurance is excess to all other valid insurance. If any other valid insurance is also an excess insurance, we will coordinate benefits of all eligible expenses with that insurer. All coordination follows the guidelines set by the Canadian Life and Health Insurance Association. 6 You may not claim or receive more than 100% of your total covered expenses. This general condition does not apply to Accidental Death and Dismemberment. 7 Misstatement of Age — If your age has been misstated to us, 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. 8 You must be accurate and complete in your dealings with us at all times. 9 Currency — Any dollar amount expressed as a limit of coverage or benefit payable under this Policy is deemed by us to be in Canadian currency, unless otherwise stated. 10 Duplication of Coverage — If you are insured under more than one Policy, Plan or Optional Coverage administered by us and they are in effect at the time of loss, the total amount paid to you or on your behalf cannot exceed your total expenses. Benefits are paid under the one Policy, Plan or Optional Coverage with the greatest benefit limit, except for Baggage, Rental Car Protection, Trip Cancellation & Trip Interruption and Trip Interruption Only. For limits that apply to these Plans or Optional Coverages, refer to Duplication of Coverage under the Conditions section of each applicable Plan or Optional Coverage. 11 In the case of duplicate benefits in this Policy, claims are payable under the one benefit with the greatest benefit limit. 12 The date and time of commencement and termination of coverage is based on the time zone of the province or territory the Policy was purchased in. 13 Premium and coverage are based on factors including but not limited to age, trip length, travel destination and answers to the Medical Questionnaire, if applicable. 14 The availability, quality, results or effects of any treatment, assistance, hospitalization, transportation or your failure to obtain any of the above, is not our responsibility or the responsibility of any company or agency providing services on our behalf. 15 We reserve the right to accept or to decline any person as an insured. 16 In the event of your treatment by a physician or other registered medical practitioner or other circumstances that have led or may lead to a claim under this Policy, you authorize any hospital, physician or other person or organization that has records or knowledge of you or your health, medical history or other information relevant to the claim to provide us that information and authorize us to use and disclose that information for the purpose of determining whether any claim that may be made is covered by this Policy or by another plan or Policy. 17 If requested by us, you must furnish or consent to the release of your medical records for the relevant period before the effective date of the Policy and/or during the term of the insurance required in order to determine if the claim is payable. Failure to produce these records will invalidate your claim. 53 18 In the event of a claim, upon request, you will establish the date and time of departure and initially planned date of return of the trip. 19 You shall be responsible for the verification of any hospital and medical expenses incurred and shall obtain itemized accounts of all hospital and medical services which have been provided. 20 We shall not reimburse any expense incurred after a period of 365 days has elapsed following the date on which the loss first occurred or the relevant emergency first occurred. 21 We shall comply with all applicable privacy legislation and regulations. You can learn about our privacy policy at tugo.com/en/privacy. 22 If any of the terms or conditions of this Policy are in conflict with the statutes of the province or territory in which this Policy is issued, the terms and conditions are hereby amended to conform to such statutes. 23 In the event of complaints or unresolved disputes respecting any claim or portion thereof, the following should be contacted: TuGo, 1200-6081 No. 3 Road, Richmond, BC, V6Y 2B2, Canada. You can learn about our complaint procedure at tugo.com. 24 The law of the province or territory of Canada in which you ordinarily reside, will govern this Policy, including all issues of its interpretation and performance. Any legal action or other proceeding related to or connected with this Policy that is commenced by you or anyone claiming on your behalf or by an assignee of benefits under this Policy must take place in the courts of the province or territory of Canada in which you ordinarily resided or in which you purchased this Policy, and no other court has jurisdiction to hear or determine any such action or proceeding. 25 This Insurance provides no coverage and no insurer shall be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such coverage, payment of such claim or provision of such benefit would expose that insurer to any sanctions, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America. 26 We shall not reimburse any interest charges accrued by you. 27 If you are a US citizen, you may have an obligation to purchase insurance under the Affordable Care Act (“ACA”). This policy is not subject to the ACA and is not intended to fulfill individual obligations to purchase health insurance coverage under the ACA. Please contact your tax adviser or lawyer if you think the ACA obligations may apply to you. If you are a US citizen or US resident, you may have an obligation to purchase insurance under the Affordable Care Act (“ACA”). This policy is not subject to the ACA and is not intended to fulfill individual obligations to purchase health insurance coverage under the ACA. Please contact your tax adviser or lawyer if you think the ACA obligations may apply to you. 28 When a premium is not paid, we reserve the right to terminate the Policy with notice, except as otherwise provided by law. 54 Authorized Extensions You can extend your period of coverage before your Policy expires by calling your agent or us during business hours. Please refer to Contact Information on page 1. An administration fee may be charged in addition to the premium for the additional number of days required. You must meet the following conditions: Applicable to All Coverages 1 You have not submitted a claim and have no intent to submit a claim. 2 Your period of coverage has not already expired. 3 Extensions are not available if total trip length exceeds 2 years from the effective date of the original Policy. Applicable to Emergency Medical Insurance 1 You have not seen a physician or other registered medical practitioner since your departure date or the effective date of the Policy. 2 You are not currently experiencing any symptoms and you do not know of any reason to seek medical attention. If these conditions haven’t been met, we may authorize an extension at our discretion. If an extension has been authorized, there would be no coverage for subsequent claims related directly or indirectly to the medical conditions or symptoms for which a claim has been or will be submitted or for which treatment by a physician or other registered medical practitioner was received or required before the effective date of the extension. Automatic Annual Renewal Option When the automatic annual renewal option is selected as indicated on the Policy declaration of the Policy, your Policy will automatically renew on your Multi Trip Annual Policy’s renewal date provided valid credit card or banking information is on file and the premium is received. A Policy with the same plans, plan details and optional coverages will be issued to you for one year. Before the renewal date of the Policy, you will be notified of the details pertaining to your new Multi Trip Annual Policy. If we don’t receive your automatic annual renewal payment, the Policy will not be automatically renewed. You will need to contact us to purchase a new Policy. If you do not wish to have a new Multi Trip Annual plan automatically issued, please contact us at 1-855-929-8846 as soon as possible to cancel the automatic annual renewal option. 55 Definitions Active cancer surveillance Also known as ‘watchful waiting’ is a treatment plan that involves monitoring cancer without giving any other form of treatment. It is used to monitor changes in test results to see if the cancer is getting worse and whether other forms of active cancer treatment might also be needed. This method of treatment is often used when the cancer is newly diagnosed and before it’s clear what types of treatment would be most effective, for conditions that progress slowly and/or when the risks of active cancer treatment are greater than the possible benefits. Active cancer treatment Treatment that is not limited to but includes chemotherapy, radiation therapy, surgery, medication, experimental treatment or active cancer surveillance. Acts of terrorism 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 acts of terrorism can either be acting alone, or on behalf of, or in connection with any organization(s) or government(s). Acts of war 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. Acute Initial or emergency short course (not chronic) treatment by a physician of a medical condition. Aggregate limit The maximum amount of coverage available, regardless of the number of separate claims. Alteration The medication usage, dosage or type has been increased, decreased or stopped and/or a new medication has been prescribed. Alteration does not include: a Changes in brand to an equivalent name brand or to an equivalent generic brand of the same or equivalent usage or dosage; or, b Routine dosage adjustments within prescribed parameters for insulin or oral diabetes medication to ensure correct blood levels are maintained; blood sugar levels must be checked regularly and the medical condition must remain unchanged; or, c Routine dosage adjustments within prescribed parameters for blood thinner medication to ensure correct blood levels are maintained; blood levels must be checked regularly and the medical condition must remain unchanged; or, d A temporary stoppage of blood thinner medication up to a maximum of 24 hours if the stoppage is required for a surgery or a procedure; or, e Usage changes due to the combination of several medications into one; the medical condition must remain unchanged. 56 Application date The date when premium for this Insurance is paid. Automobile A vehicle of the private passenger or station wagon type, but excluding: trucks (except pick-up trucks with no attachments); off-road vehicles; motorcycles, motorbikes or motor scooters; recreational vehicles; vans (except passenger vans); campers or trailers; antique cars which are cars over 20 years old or have not been manufactured for 10 years or more. Backcountry An area that is not marked, not patrolled and/or not cleared for avalanche dangers, but where public access is permitted. Backcountry is also known as slackcountry, sidecountry and/or off-piste and does not include heli-skiing or cat skiing. Beneficiary Estate by default unless otherwise requested in writing. Business meeting A meeting between companies with unrelated ownership that pertains to your full-time occupation or profession and is the primary purpose of your trip. The meeting must be pre-arranged before the date the trip was booked or the date this Insurance was purchased, whichever occurs later. Courses and legal proceedings are not business meetings. Canadian resident An insured who is eligible for or has a provincial or territorial government health care plan in place and: a Is a Canadian citizen with a primary permanent residence in Canada; or, b Has landed immigrant status in Canada and a primary permanent residence in Canada; or, c Has a permit to study or work in Canada. Caregiver A person entrusted with the care and guidance of your dependent(s) on a permanent, full-time basis and whose absence cannot reasonably be replaced. Chartered carrier A contracted boat, cruise ship, airplane, bus, taxi, train or other similar vehicle that is licensed, has a customizable schedule and/or route, and is intended and used primarily to transport passengers for hire. Vehicles that are not available for hire by the general public (such as privately owned and operated planes, vehicles used by a private resort or vehicles used by a tour operator for the purpose of providing the tour experience) are not considered chartered carriers. Common carrier A commercial boat, cruise ship, airplane, bus, taxi, train or other similar vehicle that is licensed, has a posted schedule and/or fixed route and is intended and used primarily to transport passengers for hire. Vehicles that are not available for hire by the general public (such as vehicles used by a private resort or by a tour operator for the purpose of providing the tour experience) are not considered common carriers. 57 Deductible The portion of eligible expenses you must pay from your own pocket when an eligible claim occurs. For all medical insurance plans, the deductible applies to the expenses remaining after payment by your provincial or territorial government health care plan. The deductible applies per insured, per incident claimed. Departure date The date you leave your departure point to begin your trip. Departure point The place you depart from on the first day of your trip. Dependent children Unmarried children who are dependent on a parent or guardian and are: a Up to and including 21 years, if they are residing with their parent or guardian; or, b Up to and including 25 years, if they are attending an educational institution full-time, whether or not they are residing with their parent or guardian; or, c Any age, if they have a cognitive, developmental or physical disability, whether or not they are residing with their parent or guardian. Diagnostic tests Tests required to: a Assess, identify or investigate a symptom or a medical condition; or, b Follow up on abnormal test results. Downhill freestyle skiing/snowboarding in organized competitions Any skiing/snowboarding competition with the following activities: aerial skiing/snowboarding, kite-skiing, mogul or cross competitions, half-pipes and/or slopestyle activities, rails, jumps and other terrain park features. Downhill mountain biking Biking down mountain trails or rough mountain terrain (whether as part of a race or not) and often features jumps, drops, rock gardens or other obstacles. It often requires the use of mechanical lifts or elevators. Emergency An unforeseen medical condition, which requires immediate 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/territory of residence. Once such emergency ends, no further benefits are payable in respect of the medical condition which caused the emergency, unless otherwise specified in a benefit. Emotional or mental disorder An emotional condition, state of anxiety, situational crisis, anxiety or panic attack, or any other illness or disorder impacting mood, thinking and/or behaviour. Exotic car Any luxury automobile with a market value equal to or greater than $75,000. 58 Family member (Whether by birth, adoption or marriage) your legal or common-law spouse, parents, step-parents, brothers, sisters, fathers-in-law, mothers-in-law, brothers-in-law, sisters-in-law, sons-in-law, daughters-in-law, natural or adopted children, stepchildren, stepbrothers or stepsisters, grandparents, grandchildren, aunts, uncles, nieces, nephews, foster children or any individual of whom you are a legal guardian. Follow-up Re-examination of you to monitor the effects of earlier treatment related to the initial emergency, except while hospitalized. Follow-up does not include diagnostic tests and/or continued treatment (as determined by us). High risk motorized speed activities a Motocross, dirt biking and/or motorcycling unless only riding as a mode of transportation; and/or, b Any motorized vehicle racing competitions, endurance events or timed activities, including but not limited to snowmobiling racing competitions or endurance events. If you are participating in a motorized vehicle activity, other than the ones specified under part a), and the activity is solely for leisure and not part of a timed activity or done for the purpose of training or practicing for any kind of racing competition or endurance event, this activity is not considered a high risk motorized speed activity and the Sports & Activities Optional Coverage is not required for coverage to apply. High risk snowmobiling and motorized snow biking Snowmobiling (including highmarking) and/or motorized snow biking in unguided backcountry terrain. Home care nursing Medical and non-medical home care performed by skilled nursing professionals that is not covered by a provincial/territorial government health care plan. Hospital An institution that is licensed as an accredited hospital that is staffed and operated for the care and treatment of in-patients and out-patients. Treatment must be supervised by physicians and there must be registered nurses on duty 24 hours a day. Diagnostic and surgical capabilities must also exist on the premises or in facilities controlled by the establishment. A hospital is not an establishment used mainly as a clinic, extended or palliative care facility, rehabilitation facility, addiction treatment centre, convalescent, rest or nursing home, home for the aged or health spa. Hospitalization or hospitalized Formal admission to the in-patient services of a hospital. This does not include visits to the emergency room unless they result in the formal admission to the in-patient services of a hospital. 59 Ice climbing The act of climbing or rappelling from vertical or nearly vertical ice formations such ice falls, frozen waterfalls or cliffs or rock slabs that are covered with ice from flows of water freezing over. Ice climbing requires the use of specialized equipment including but not limited to ice axes, crampons or ice screws. Glacier hiking is not ice climbing. If the glacier hike is on a mountain, it is considered mountaineering up to a 6,000-metre elevation or mountaineering over a 6,000-metre elevation. Insured or insured persons The person named in the Policy declaration for whom the applicable premiums have been paid. Insurer The insurers listed under the definition of us, we, our. Loss For Accidental Death and Dismemberment Insurance In respect of limbs means actual severance through or above wrist or ankle joints and, in respect of loss of sight, means entire and irrecoverable loss of sight. Medical condition Any disease, illness or injury (including symptoms of undiagnosed conditions). Medically necessary The medical service or product in question is necessary to preserve, protect or improve your medical condition and well being. Mixed martial arts A combat sport in which participants use fighting and grappling techniques from any combination of wrestling, boxing and martial arts. Mixed martial arts include ultimate fighting. Mountaineering over a 6,000-metre elevation The act of climbing or descending a mountain to or from an elevation of over 6,000 metres (measured from sea level) while using specialized equipment including but not limited to pickaxes, ice axes, anchors, bolts, crampons, carabineers and lead or top rope anchoring equipment. Mountaineering includes ski mountaineering also known as ‘skimo’. For the Sports & Activities Optional Coverage (that applies to the Emergency Medical plan) • If you are mountaineering both below and above 6,000 metres elevation, you only need to select mountaineering over a 6,000-metre elevation. • If you are using ice climbing equipment while mountaineering over 6,000 metres elevation, you do not need to select ice climbing. You only need to select mountaineering over a 6,000-metre elevation, and any ice climbing done as part of the mountaineering will automatically be covered. 60 Mountaineering up to a 6,000-metre elevation The act of climbing or descending a mountain to or from an elevation of 6,000 metres or less (measured from sea level) while using specialized equipment including but not limited to pickaxes, ice axes, anchors, bolts, crampons, carabineers and lead or top rope anchoring equipment. Mountaineering includes ski mountaineering also known as ‘skimo’. For the Sports & Activities Optional Coverage (that applies to the Emergency Medical plan) If you are using ice climbing equipment while mountaineering up to a 6,000-metre elevation, you do not need to select ice climbing. You only need to select mountaineering up to a 6,000-metre elevation, and any ice climbing done as part of the mountaineering will automatically be covered. Non-emergency Any treatment, investigations or surgery either: a not required for the immediate relief of acute pain and suffering; or, b which reasonably could be delayed until you return to Canada; or, c which you elect to have during a trip following emergency treatment by a physician or other registered medical practitioner of a medical condition or the diagnosis of a medical condition, which on medical evidence would not prevent you from returning to Canada before such treatment or surgery. Pet Dog, cat, bird, small reptile or small mammal. Physical damage Loss or damage to the automobile (including glass but excluding tires unless coincidental with other loss or damage covered herein) caused by fire, theft, explosion, earthquake, windstorm, hail, rising water, malicious mischief or collision with another object or by upset. Physician A medical practitioner who is registered and licensed to practice their medical profession in accordance with the regulations applying in the jurisdiction where the person practices. A physician must be a person other than you or a family member. Pre-existing medical condition For Emergency Medical Insurance Any medical condition that exists on or before the date you leave for your trip. For Trip Cancellation & Trip Interruption Insurance and Trip Interruption Insurance Only Any medical condition that exists on or before the date the trip is booked or the date this Insurance is purchased. Prepaid For Trip Cancellation & Trip Interruption Insurance Payments made before, on or after your departure date and: Applicable to Trip Cancellations Before the event that causes you to cancel your trip or a portion of your trip. Applicable to Trip Interruptions Before the event that causes you to interrupt your trip. 61 Prescribed Treatment ordered or recommended by a physician and/or any other registered medical practitioner, as documented in your medical records. Reasonable and customary charges Charges incurred for goods and services that are comparable to what other providers charge for similar goods and services in the same geographical area. Remission The decrease in or the disappearance of signs and symptoms of cancer and/or the removal of cancer as determined by your physician and noted in your medical records. Remission can be complete or partial. Complete remission means the disappearance of all signs or symptoms. Partial remission means a decrease in or disappearance of some, but not all, signs and symptoms. Renewal date The date one year from the effective date of the Policy as indicated in the Policy declaration. Return date The date on which you are scheduled to return from your trip or the date of your actual return to your departure point. Rock climbing The sport of climbing rock faces, especially with the aid of ropes and special equipment. Rock climbing includes the following activities: bouldering, traditional climbing, free soloing, top-rope, sports climbing, canyoning/canyoneering, but does not include climbing indoor or outdoor artificial rock climbing walls. Spouse The person you are legally married to, or a person you have been living with for a minimum period of one year and who is publicly presented as your spouse. Stable A medical condition is considered stable when all of the following statements are true: a There has been no deterioration of the medical condition as determined by a physician or other registered medical practitioner, and b There have been no new symptoms or findings or more frequent or severe symptoms or findings, and c There has been no change in treatment by a physician or other registered medical practitioner or any alteration in any medication related to the medical condition, and d There has been no new treatment received, prescribed or recommended by a physician or other registered medical practitioner. Terminal condition A medical condition for which, before the date of departure, a physician has given you a terminal prognosis with a life expectancy of 12 months or less. Tour A planned, structured and guided experience for which participants have paid for that: a Is arranged by a travel company or tour operator; and, b Involves an itinerary and/or sequential journey. 62 Travel costs Non-refundable unused prepaid travel arrangements (including any related booking fees from travel suppliers) for: hotels, hostels and campgrounds; timeshares and vacation rentals that are booked through a rental agency or platform with a published cancellation process; airfares, car rentals, boat rentals, RV rentals, bus, train, ferry and cruise tickets; conference, seminar, workshop, convention, symposium and training fees; entrance fees, theatre and concert tickets, sports tickets and passes (intended for a participant or a spectator); tours, retreats, excursions, city passes and ski passes. Travelling companion A person who is travelling with you for the majority of your trip (at least 51% of the total duration). In the event of a claim, we require proof of prepaid travel arrangements from you and your travelling companion to substantiate that you are travelling together for the majority of your trip. Treatment, treat, treated A procedure prescribed, performed or recommended by a physician for a medical condition. This includes but is not limited to medication, investigative testing and surgery. Trip For Trip Cancellation & Trip Interruption Insurance and Trip Interruption Insurance Only The period of time you are travelling and for which coverage under this Policy has been purchased. Uninhabitable Damage that renders the home inaccessible or unsafe for use, including extended loss of power, gas, or water. Us, we, our OneWorld Assist Inc. doing business as Claims at TuGo and North American Air Travel Insurance Agents Ltd. doing business as TuGo. TuGo is a third party administrator for the following insurers: • For all insurance plans except Baggage Insurance and Rental Car Protection: Industrial Alliance Insurance and Financial Services Inc. • For Baggage Insurance and Rental Car Protection: Industrial Alliance Pacific General Insurance Corporation Vehicle Car, recreational vehicle, motorcycle, boat or other land or water conveyance used for the trip. Waiting period For Emergency Medical Insurance a If this Policy was purchased within the 7 days after departing from your province/territory of residence, there is no coverage for any disease or illness arising in, occurring in or symptomatic during the first 48 hours of the effective date of the Policy, including any related expenses incurred after the first 48 hours from the effective date of the Policy; or, b If this Policy was purchased more than 7 days after departing from your province/territory of residence, there is no coverage for any disease or illness arising in, occurring in or symptomatic in the first 7 days from the effective date of the Policy, including any related expenses incurred after the first 7 days from the effective date of the Policy. 63 White water sports – Class VI Rafting on extreme rapids or waterfalls deemed unnavigable according to safety authorities. Class VI white water sports include rafting on rapids with substantial levels of white water, large waves, hazardous rocks and/or drops with the potential to damage most rafting equipment. You or your The same as insured or insured persons. 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 this policy is issued constitute the entire contract and no agent has authority to change the contract or waive any of its provisions. Material Facts No statement made by the insured or a person insured at the time of application for the contract may be used in defence of a claim under or to avoid the contract unless it is contained in the application or any other written statements or answers furnished as evidence of insurability. Termination of Insurance 1 The contract may be terminated a by the insurer giving to the insured 15 days’ notice of termination by registered mail or 5 days’ written notice of termination personally delivered, or b by the insured at any time on request. 2 If the contract is terminated by the insurer, a the insurer must refund the excess of premium actually paid by the insured over the prorated premium for the expired time, but in no event may the prorated premium for the expired time be less than any minimum retained premium specified in the contract, and b the refund must accompany the notice. 3 If the contract is terminated by the insured, the insurer must refund as soon as practicable the excess of premium actually paid by the insured over the short rate premium calculated to the date of receipt of the notice according to the table in use by the insurer at the time of termination. 4 The 15 day period referred to in subparagraph (1) (a) of this condition starts to run on the day the registered letter or notification of it is delivered to the insured’s postal address. 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 physician detailing the cause or nature of the sickness or injury for which the claim has been instituted. 64 Failure to Give Notice or Proof Failure to give notice of claim or furnish proof of claim within the time required by this condition does not invalidate the claim if (a) the notice or proof is given or furnished as soon as reasonably possible, and in no event later than one year after the date of the accident or the date a claim arises under the contract on account of sickness or disability, and if it is shown that it was not reasonably possible to give notice or furnish the proof in the time required by this condition, or (b) in the case of death of the person insured, if a declaration of presumption of death is necessary, the notice or proof is given or furnished no later than one year from the date a court makes the declaration. 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 the contract, a the claimant must give the insurer an opportunity to examine the person of the person insured when and as often as it reasonably requires while a claim is pending, and b 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. When Moneys Payable All money payable under this contract shall be paid by the insurer within sixty days after it has received proof of claim. Every action or proceeding against an insurer for the recovery of insurance money payable under the contract is absolutely barred unless commenced within the limitation period specified in the Insurance Act, Limitations Act, Civil Code of Quebec or other relevant legislation of the applicable jurisdiction. Applicable to Quebec Residents Notwithstanding any other provisions herein contained, this contract is subject to the mandatory provisions of the Civil Code of Quebec respecting contracts of Accident and Sickness Insurance. Action Against Company Service of legal proceedings to enforce the obligations under this Policy to the insurers listed in the definition of us may be validly made by serving the offices of North American Air Travel Insurance Agents Ltd. d.b.a. TuGo, 1200 - 6081 No. 3 Road, Richmond, BC, V6Y 2B2, Canada. Notice to Company Notice under this Policy to the insurers listed in the definition of us may be validly given to North American Air Travel Insurance Agents Ltd. d.b.a. TuGo, 1200-6081 No. 3 Road, Richmond, BC, V6Y 2B2, Canada. Complaints or unresolved disputes should be submitted to Industrial Alliance Insurance and Financial Services Inc. by completing the form available at www.ia.ca/complaints. 65 Privacy Privacy Notice The protection of your personal information is very important to us. TuGo is committed to the protection of your personal information. TuGo fully complies with Canada’s privacy laws. TuGo’s privacy policy determines our responsibilities on the collection and use of your personal information. You can review TuGo’s entire Privacy Policy at tugo.com/en/privacy. Personal information is gathered at the time of application to determine the premium and appropriate coverage. In the event of a claim, we may need to collect additional medical information to help provide the best possible assistance, arrange care, possible medical evacuation, and to determine coverage. This information may be obtained or shared with your agent, any affiliate or subsidiary, referring organization and third-party provider including but not limited to health care providers and government health insurers. The information is used by authorized personnel only as needed, and is maintained securely for the period required by law. Your information may need to be shared with or by organizations located outside of Canada, such as the country you are travelling to and will be also subject to the laws of those foreign jurisdictions. We encourage you to review TuGo’s Privacy Policy occasionally as it could be amended. Upon written request, you may also review your personal information to verify its accuracy. For more information about how TuGo collects and uses personal information, contact our privacy officer: TuGo, Attn: Privacy Officer, 1200-6081 No. 3 Road, Richmond BC, Canada, V6Y 2B2. Email: privacy@tugo.com Fax: (604) 276-9409. Notice on Privacy & Confidentiality PLEASE READ CAREFULLY AND RETAIN FOR YOUR RECORDS The specific and detailed information requested pursuant to this application from you and which may be subsequently requested by us, from time to time, is required to process your application, and process any claim for benefits made by you. To protect the confidentiality of such personal information, access to your information is restricted to any person you authorize or as authorized by law as well as those Industrial Alliance Insurance and Financial Services Inc. (the “Company”) employees, its reinsurers, third party administrators, agents or brokers of the Company, plan sponsors and any agents or brokers of such sponsors or other market intermediaries for the purposes of (a) sponsoring a plan for you, (b) marketing and administration of Company products or services, (c) assessment of risk (underwriting) and (d) investigation of claims (where applicable). Your file will be kept in our offices. You are entitled to review your personal information contained in our files, subject to certain limited exceptions established by law, and if necessary, to have it rectified by sending a written request to us at: 400 - 988 West Broadway. P.O. Box 5900, Vancouver, BC V6B 5H6, Attention: Director, iA Special Markets. Corrections will be noted in the file. If a requested correction is in dispute, we nonetheless note your requested correction in the file. Further information on our privacy practices can be found online at ia.ca or alternatively, contact us at 1.800.266.5667 and request that a copy be faxed or mailed to you. In witness whereof this Policy has been authorized by the insurers listed in the definition of us. K. Starko, Executive Director 66 How to Claim Claims Procedures & Payment of Benefits For information on how to contact us, please refer to Contact Information at the beginning of this policy wording booklet. Applicable to All Claims 1 Claims can be opened online at tugo.com/claims, although some restrictions apply. If you are unable to open your claim online, please contact us using the Contact Information at the beginning of this policy wording. 2 Once you have received your claim number, all forms and supporting documentation required for your claim can be uploaded to us at mytugo.com. This is the fastest way to send us documents and follow the status of your claim. 3 Any cost incurred to obtain documentation required to confirm eligibility of your claim, other than medical records requested by us is the responsibility of the claimant. 4 To receive benefits, any requested supporting documentation must be provided by the claimant. Claim Forms will be provided to the claimant to complete and return to us. It is the claimant’s responsibility to complete and/or produce any documentation that we require to process and confirm the eligibility of the claim. 5 All required documentation must be received within one year from the date of loss. Failure to do so will result in the denial of the claim. 6 To qualify for reimbursement, itemized receipts must be provided as support for all eligible expenses. If itemized receipts are not provided, the expense will not be reimbursed. 7 If the claim is the result of a death, the following documents are required: a A copy of the death certificate b A copy of the Will or Power of Attorney c A police report, if applicable The claim forms must be signed by the Executor of Estate or the person who holds Power of Attorney. 8 Any notices of claim or correspondence concerning a claim that require physical delivery can be sent to: Claims at TuGo 1200-6081 No. 3 Road Richmond, BC V6Y 2B2 Canada Applicable to Emergency Medical Insurance 1 We will submit a claim for medical expenses to your provincial or territorial government health care plan offices PROVIDED THAT the Claim Forms, including the appropriate Provincial Assignment Form are completed in full and forwarded together with itemized receipts from your medical providers within the deadline that is established by your provincial or territorial government health care plan. If you fail to meet their deadline, you will be responsible for the provincial or territorial government health care plan portion. While these deadlines vary across Canada, some deadlines are as short as 90 days. For the deadline that applies to you, please check with your provincial or territorial government health care plan office. 2 Claims will not be considered unless the Claim Form is completed in full and signed by the claimant (or legally authorized representative). Failure to provide fully completed, original forms will invalidate your claim. 67 3 Only bills from physicians, hospitals and other medical care provider(s) that are itemized and which state the insured’s name, diagnosis, date(s) of service and type of treatment or service will be considered. Only official pharmacy prescription receipts will be considered. For all other benefits, itemized receipts are required. Applicable to Trip Cancellation & Trip Interruption Insurance and Trip Interruption Insurance Only 1 To receive benefits, the following documents must be provided: a The unused tickets or e-tickets and/or all additional travel tickets or e-tickets purchased to return home, to catch up to your next destination or to rejoin the tour. b Itemized, dated invoices and receipts from all travel suppliers showing full payment, taxes and fees paid. c A copy of the originally scheduled travel arrangements or itinerary, confirming traveller name(s), destination(s) and dates. d Proof of cancellation from all airlines, hotel or accommodation providers, tour operators, cruise lines and any other travel suppliers, for all unused expenses. e A statement from the travel agency/airline/travel supplier documenting their refund policies and copies of all refunds, travel credits and/or any other financial benefits provided for cancelled or unused expenses. f If the claim occurred before departure, a medical certificate completed by the attending physician at the place where the medical condition occurred, stating the diagnosis, the date of onset of symptoms, the dates and type of treatment, and the reason why travel was not possible. g If the claim occurred after departure, a medical certificate completed by the attending physician at the place where the medical condition occurred, stating the diagnosis, the date of onset of the symptoms, the dates and type of treatment, and the reason why it was necessary to interrupt the trip. Applicable to Baggage Insurance 1 Lost, stolen or damaged baggage must be promptly reported (and claimed for where applicable) to the most appropriate local authority or party in whose custody the property was in the care of at the time of loss, damage or theft. This includes but is not limited to: the police, any hotel, hostel, campground, timeshare, vacation rental, airline or any other commercial common carrier or chartered carrier. 2 If baggage is lost or stolen, proof of loss (copy of notice and/or police report) is necessary to substantiate claim. 3 If baggage is damaged, a written estimate to repair damaged luggage from a repair shop of your choice (if under $25, have repairs completed and forward the invoice to us) is necessary to substantiate claim. Applicable to Rental Car Protection 1 To receive benefits, the following documents must be submitted along with your notice of claim: a A copy of the police accident report, if required. b A copy of the lease or rental contract. 68 International Assistance Services The following services will be provided to all insureds: 1 Toll-free help line 24 hours a day, every day (for medical and trip interruption emergencies only). 2 Vital communications link between claimant/hospital regarding 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 Multilingual capabilities. 7 Coordination of payments. 8 Special assistance respecting claims. 9 Management, arrangement and authorization of emergency medical evacuation. 10 Arrangement and coordination of the return of remains after death. 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 emergency medical expenses will be guaranteed where possible relieving claimant of credit responsibilities. 14 Travel arrangements assistance for family members. 15 Provision of medical assistant to travel with claimant when necessary. 16 Physicians, hospitals/administrators and ambulance, arrangements and communications. 17 Assistance on how to contact: • Consulates and embassies • Police • Travel or booking agents • Foreign Affairs Department • Tour Guides • Airlines 18 Legal referral services in order to meet the legal needs of travellers. To access this service, please refer to the Contact Information section at the beginning of this policy wording. tugo.com Insurance is administered by North American Air Travel Insurance Agents Ltd. doing business as TuGo®, a licensed insurance broker in all provinces and territories. The issuer of the contract is Industrial Alliance Insurance and Financial Services Inc. and Industrial Alliance Pacific General Insurance Corporation. Claims at TuGo®, TuGo® and myTuGo® are registered trademarks owned by North American Air Travel Insurance Agents Ltd. doing business as TuGo®. traveller_02pw_2026-07 ed: 2026-07