Principles For The Sale Of Insurance for Newfoundland residents

Travel Insurance Policy

This policy covers losses arising from sudden, unexpected and unforeseeable circumstances only. Some words have very specific meaning that are set out in the Definitions Section. These words are capitalized in this Policy document when the Policy definition applies.

Along with this Policy document, You should have received a Policy Certificate. The Policy Certificate sets out details specific to the product You purchased and it is part of Your contract of insurance as is this document. If You did not receive all of these documents, if any information contained in these documents is incorrect, or if You have questions regarding Your coverage, it is Your responsibility to contact Us. You should bring all of these documents with You when You travel.

Despite any other provision contained in the contract, the contract is subject to the statutory conditions in the Insurance Act respecting contracts of accident and sickness insurance.

This policy contains a provision removing or restricting the right of the insured to designate persons to whom or for whose benefits insurance money is to be payable.

Despite any other provision contained in the contract, the contract is subject to the statutory conditions in the Insurance Act respecting contracts of accident and sickness insurance.

Limitation of Action

Every action or proceeding against an insurer for the recovery of insurance money payable under the contract is absolutely barred unless commenced within the time set out in the Insurance Act (for actions or proceedings governed by the laws of Alberta and British Columbia). The Insurance Act (for actions or proceedings governed by the laws of Manitoba), the Limitations Act, 2002 (for actions or proceedings governed by the laws of Ontario), or other applicable legislation. For those actions or proceedings governed by the laws of Quebec, the prescriptive period is set out in the Quebec Civil Code.

Beneficiary Designation and Change

The insured’s beneficiary(ies) is (are) the person(s) designated by the Insured and on file with Us. If no beneficiary has been designated, payment will be made to the insured’s estate.

An Insured over the age of majority and legally competent may change his/her beneficiary designation at any time, unless the beneficiary designation is irrevocable, without the consent of the designated beneficiary(ies), by providing Us with a written request for change. What the request is received, whether the Insured is then living or not, the change of beneficiary will relate back to and take effect as of the date of execution of the written request, but without prejudice to the Insurer on account of any payment made by it prior to receipt of the request.

I. Schedule of Benefits

All Coverage is Per Person Maximum Limits (CAD$) - Up To
Standard Plan Explorer Plan
Emergency Medical Insurance
Emergency Medical Expenses $5,000,000 $10,000,000
Non-GHIP Emergency Medical Expense $40,000 $40,000
Meals & Accommodation $1,500 ($150/day)
(Maximum 10 days)
$2,500 ($250/day)
(Maximum 10 days)
Emergency Dental for Injury $1,000 $2,000
Emergency Dental for Sickness $500 $500
Bedside Companion Travel and Subsistence $1,500 ($150/day)
(Maximum 10 days)
Return economy airfare
$1,500 ($150/day)
(Maximum 10 days)
Return economy airfare
Emergency Professional Services $250
(per profession)
$250
(per profession)
Emergency Evacuation and Repatriation $500,000 $500,000
Return of Travel Companion/Dependent Children One-way economy airfare One-way economy airfare
Return to Your Trip Destination One-way economy airfare One-way economy airfare
Return of Remains $5,000 $5,000
Travel Accident $10,000 $25,000
Flight Accident $50,000 $100,000
Trip Cancellation/Interruption Insurance
Trip Cancellation $2,500 $5,000
Trip Interruption $2,500 $5,000
Trip Delay $700 ($350 per day) $1,400 ($350 per day)
Change fee or extra airfare Included Included
Baggage, Personal Effects and Sporting Equipment Insurance
Baggage and Personal Effects Theft or Damage $1,000 $3,000
Per Item Limit $500 $1,000
Baggage Delay $100 $500
Travel Documents Theft or Damage $200 $1,000
Sporting Equipment Theft or Loss by a Common Carrier $1,000 $2,500
Per Item Limit $500 $500
Sporting Equipment Delay $400 $1,500
Adventure Sport Coverage
Covered Adventure Sports Listed in Policy Included Included

Assistance Services Included

  • LiveTravel™ Emergency Assistance
  • Travel Medical Assistance
  • Worldwide Travel Assistance
  • Adventure Travel Hotline
  • Security Assistance
  • Bag Trak

II. Assistance Services & Contacts

24/7 Worldwide Emergency Medical Assistance and LiveTravel™

Canada and Continental USA (Toll Free): 1 866 878 0192 or
International Collect: +1 416 646 3723

Our assistance co-ordinators will provide guidance should You require Emergency Medical or Dental Assistance 24 hours a day, 7 days a week. You must notify Us prior to any Emergency Medical Treatment and prior to any surgery, invasive procedure or Hospitalization. We will make every effort, although We cannot guarantee, to pay Providers directly.

The LiveTravel™ service team can help You with emergency travel problems that can arise during a Trip; services include:

  • Emergency and after-hours travel services
  • Rebooking Flights
  • Hotel Reservations
  • Ground Transportation
  • Luggage Tracing
  • Lost/Stolen Credit Card Replacement

Security Assistance

Canada and Continental USA (Toll Free): 1 866 878 0192 or
International Collect: 1 416 646 3723

Through the support of a global network of more than 100 security experts, We provide prompt responses to security issues, from minor security incidents to truly life-threatening events. Available 24/7, We provide:

  • Secure evacuation assistance
  • Security and safety advisories, global risk analysis and specialist consultations
  • Urgent message alerts
  • 24/7/365 incident response services to assist customers and their families

Customer Service

Canada and Continental USA (Toll Free): 1 877 328 2528 or
International Collect: +1 416 646 3723
Email: [email protected]

For World Nomads Membership enquiries, please contact +61 2 8263 0400 or [email protected]

Claims Service

In the event of a medical claim, immediate notice should be provided to the Emergency Medical Assistance team. For non-medical claims:

Canada and Continental USA (Toll Free): 1 877 328 2528 or
International Collect: +1 416 646 3723
Email: [email protected]

For all other claims please file online through https://www.worldnomads.com/travel-insurance/travel-insurance-claims

Adventure Traveller's Hotline

Canada and Continental USA (Toll Free): 1-866-878-0191 or
International Collect: +1 416-646-3723

This valuable 24/7 hotline provides a one-stop source for information that adventure travellers may need, including:

  • Weather reports and travel advisories
  • Assistance locating the nearest crag, white-water or trail
  • Information on access issues
  • Construction and detour information
  • Locations of nearby gear shops, guides and outfitters.

III. Important Information

WARNING: THIS POLICY INCLUDES RESTRICTED BENEFITS

  1. This Policy covers losses resulting from unforeseeable and Emergency circumstances only.
  2. If You purchase this policy after departing from Your Home then there will be no coverage for any injury or Sickness for a period of 48 hours from Your Departure Date.
  3. Pre-existing condition exclusions apply to Medical Conditions and/or symptoms that existed prior to Your Start Date. There may be no coverage if You have a pre-existing condition.
  4. Travelling within North America:
    1. You must contact Us before seeking medical attention, emergency evacuation or repatriation and a failure to call may result in Us limiting payment for any eligible expenses to the amount had expenses been pre-authorized or arranged by Us unless Your Medical Condition prevents You from calling, in which case You must call as soon as medically possible or have someone call on Your behalf.
    2. If You choose not to receive Treatment or services from a Provider, as directed by Us, You will be responsible for 30% of any eligible expenses and We will not be responsible for any subsequent medical, hospital or evacuation expenses relating to or arising from Your Medical or Dental Condition.
  5. Travelling outside North America:
    1. You must contact Us before seeking medical attention, emergency evacuation or repatriation and a failure to call may result in You being responsible for 30% of any eligible expenses incurred unless Your Medical Condition prevents You from calling, in which case You must call as soon as medically possible or have someone call on Your behalf.
    2. If You choose not to receive Treatment or services from a Provider, as directed by Us, You will be responsible for 30% of any eligible expenses and We will not be responsible for any subsequent medical, hospital or evacuation expenses relating to or arising from Your Medical or Dental Condition.
  6. Our medical department must approve and arrange all surgery and heart procedures, (including, but not limited to, heart catheterization), in advance and a failure to call will result in Your being responsible not only for the amount of Your deductible, if applicable, but also for 30% of any eligible expenses incurred unless Your Medical Condition prevents You from calling, in which case You must call as soon as medically possible or have someone call on Your behalf.
  7. If You choose to decline the transfer or return You to Your Home Province for medical Treatment when declared medically able by Our medical department, We will be released from any liability for expenses incurred for such Sickness or Injury after the proposed date of transfer or return.
  8. Our liability under this Policy for expenses under this Baggage, Personal Effects and Sporting Equipment Coverage is limited to $2,000 per Standard Policy and $5,500 per Explorer Policy.
    There are limits, limitations and exclusions that apply to all Insured Travellers.
  9. Read this Policy carefully.
YOU ARE NOT ELIGIBLE FOR ANY COVERAGE UNDER THIS POLICY IF AT THE TIME OF PURCHASE:
  1. A licensed Physician has diagnosed You with a Terminal Condition.
  2. You have undergone a bone marrow transplant or an organ transplant (excluding corneal transplant) that requires the use of anti-rejection (immune suppression) drugs.
  3. You require dialysis of any type for a kidney disease.
  4. In the last 12 months, You have been prescribed or utilized home oxygen therapy at any time.

DEFINITIONS

We attach very specific meanings to the following words when they appear in this Policy. We have capitalized these words when they are used as a defined term.

Accident/Accidental: A sudden, unexpected, unintended, unforeseeable, external event, occurring during an insured Trip that independently of any other cause, results in Injury (or damage, if the context relates to property loss or damage).

Baggage and Personal Effects: Means any personal items owned by You and that You take with You, or buy, on Your Trip and which are designed to be worn or carried about with You. This includes items of clothing, photographic and video equipment or personal computers, or electrical devices or portable equipment, passport, driver's license, birth certificate, or travel visa. However, it does not mean any business samples or items that You intend to trade.

Country of Residence: shall mean the country where You are a citizen or permanent resident; hold a valid passport or right of entry; and where You intend to return either at the end of Your Trip or if medically required; and where You have access to long term medical care.

Change in Prescribed Medication: Means the medication dosage of frequency has been reduced, increased, stopped, and/or new medications have been prescribed. Exceptions: an adjustment to the insulin or Coumadin (Warfarin) dosage You are currently taking provided it is not newly prescribed or stopped and there has been no change to Your Medical Condition; and a change from a brand name medication to a generic brand medication (insofar as the dosage is not modified).

Common Carrier: Means an air, land, or sea conveyance operated under a license for the transportation of passengers for hire.

Contamination: The act or process of rendering something harmful or unsuitable to people by nuclear and/or chemical and/or biological substances causing Sickness, Injury and/or death.

Departure Date: 12.01a.m. local time on the date on which You are scheduled to start Your Trip as shown on the Policy Certificate.

Departure Point: The country where You are living or located or working at the time of purchasing this Policy and/or from where You are departing for Your Trip.

Dependent Child and/or Dependent Children: Unmarried persons who are Your natural, adopted, step or foster children, dependent on You for support and care and less than 21 years of age, or full-time students less than 25 years of age, or mentally or physically incapable of self-support. You must be the legal guardian of any foster children and they must reside at Your same address.

Depreciated Value: Means 90% of the original purchase price (original receipt required) if such item is 0 to 12 months old at the date of loss. Means 70% of the original purchase price (receipt required) if such item is 13 to 24 months old at the date of loss. Means 50% of the original purchase price (receipt required) if such item is 25 to 36 months old at the date of loss. Means 30% of the original purchase price (receipt required) if such item is 37 to 48 months old at the date of loss. Means 20% of the original purchase price (receipt required) if such item is 49 to 60 months old at the date of loss. Means nil if such items are more than 60 months old at the date of loss.

Effective Date: Is the date and time the initial Policy was purchased which is shown as the issued date on Your most recent Policy Certificate (Canadian Central time).

Emergency: An unforeseen occurrence of, symptoms of Sickness, or of Injury, that occurs during a Trip (or for trip cancellation, that occurs immediately prior to Your Trip), which requires immediate Treatment from a Physician or that requires Hospitalization, failing which there could be a serious impairment to Your health. An Emergency no longer exists when Our medical department determines that You are able to continue Your Trip or return to Your Home Province.

Emergency Dental Treatment: Immediate and medically necessary dental services or supplies provided by a licensed registered dentist, Hospital, or other licensed Provider, that is the result of an acute and unexpected condition that arose during a Trip.

Emergency Medical Treatment: Medically necessary services or supplies provided during a Trip by a licensed Physician, Hospital or other licensed Provider, that are required to treat any Injury or Sickness or other sudden, acute and unexpected condition that arose during the Trip, and that cannot be reasonably delayed until You return to Your Home Province without endangering Your health.

Expiry Date: For each Trip, the first to occur of:

  • the date You return to Your Home Province to end Your Trip; or
  • the Return Date as indicated on Your most recent Policy Certificate;
unless there has been an Automatic Extension of Coverage, in which case the Expiry Date is the first to occur of:
  • the date You return to Your Home Province; or
  • the end of any extension of coverage determined in accordance with the Automatic Extension of Coverage Section.

Follow-up Treatment: Treatment that continues beyond the initial Emergency.

Follow-up Visit: The re-examination of You to monitor the effects of earlier medical Treatment related to the initial Emergency, except while Hospitalized. Follow-up visit does not include further diagnostic or investigative testing related to the initial Emergency.

Government Health Insurance Plan (GHIP): Health insurance coverage that Canadian provincial or territorial governments provide for their residents.

Home Province: The province or territory in Canada in which You normally reside, where You have access to GHIP and where You intend to return or where You will be returned if medically required by Us.

Hospital: A medical facility which is legally accredited to provide medical, diagnostic and surgical Treatment to in-patients during the acute phase of their Sickness or Injury, which is primarily engaged in the aforesaid activities and which operates under the supervision of a staff of Physicians and has a registered nurse continuously on duty. A Hospital does not mean an institution licensed as a home for the aged, rest home, nursing home, convalescent Hospital, health spa, or a rehabilitation centre or Treatment facility for drug or alcohol abuse and/or addiction.

Hospitalization or Hospitalized: The state of being admitted to a Hospital and receiving Emergency Medical Treatment on an inpatient basis.

Inclement Weather: Any severe weather condition which delays the scheduled arrival or departure of a Common Carrier or prevents the Insured Traveller from reaching his/her destination when travelling by a rented or owned vehicle.

Immediate Family Member: Any one (1) or more of Your Spouse, natural, step, or adopted children, persons for whom You are the legal guardian, parents, parents-in-law, son-in-law, daughter-in-law, stepparents, sisters, brothers, sisters/brothers-in-law, step-sisters/brothers, grandparents, grandchildren, aunts, uncles, nieces, and nephews.

Injury: A bodily injury sustained during a Trip, which is caused, directly and independently of all other causes, by an Accident.

Insured Traveller: The person/s named on the Policy Certificate.

Insurer: AIG Insurance Company of Canada, 120 Bremner Boulevard, Suite 2200, Toronto, ON M5J 0A8. This Policy is administered on AIG Insurance Company of Canada’s behalf by Travel Guard Group Canada, Inc. (Travel Guard Canada).

Medical Condition: Means an irregularity in a person's health which required or requires medical advice, consultation, investigation, Treatment, care, service or diagnosis by a Physician; includes complications of pregnancy within the first 31 weeks of pregnancy.

Medical Emergency: An unforeseen occurrence of, symptoms of Sickness, or of Injury, that occurs during a Trip (or for trip cancellation, that occurs immediately prior to Your Trip), which requires immediate Treatment from a Physician or that requires Hospitalization, failing which there could be a serious impairment to Your health.

Mental or Emotional Disorders: Emotional or anxiety states, situational crisis, anxiety or panic attacks, or other mental health disorders treated with tranquilizers or anxiolytic drugs. (Example: a mental or nervous health disorder like: anxiety, depression, neurosis, psychosis and others or any related physical complications).

Minor Ailment: Any Sickness or Injury which does not require: the use of medication for a period of greater than 15 days; more than one (1)Follow-up Visit to a Physician, Hospitalization, surgical intervention, or referral to a specialist; and which ends at least 30 consecutive days prior to the Start Date of each Trip. However, a chronic condition or any complication of a chronic condition is not considered a minor ailment.

Mysterious Disappearance: When the article of Baggage or Personal Effects in question cannot be located and the circumstances of its disappearance cannot be explained and do not lend themselves to a reasonable conclusion that a theft occurred.

Physician: A medical doctor, other than Yourself, Your Immediate Family Member, Your Travel Companion or their Immediate Family Member, who is licensed to administer medical Treatment and prescribe drugs in the place where he or she provides medical services. The following are not considered to be Physicians: naturopath, herbalist, and homeopath.

Policy or Policies: This document, any riders or endorsements to this document, the application, and the Policy Certificate all of which form the entire contract.

Policy Certificate: Your most recent computer printout, printed form, electronic copy, invoice, or Policy document that sets out the product You have purchased and any optional add-on coverage, if any, You have chosen.

Policy Purchase Date: The date You pay for specific insurance coverage, or any extended insurance coverage, which is listed on Your Policy Certificate.

Pre-existing Medical Condition: Is an ongoing Medical Condition or dental condition or related complication You have, the symptoms of which You are aware of, or that is currently being or has been investigated by a Physician.

Premium: The cost of Your insurance Policy plus any additional amounts required for any optional coverage You have purchased.

Prescribed Medication: : A drug, medicine or medication only obtainable by the prescription of a licensed Physician for Emergency Medical Treatment or dentist for Emergency Dental Treatment, and dispensed by a licensed pharmacist.

Provider: The Hospitals, clinics, Physicians, and other medical service providers, the use of which must be approved by Us at the time of the Medical Emergency.

Recurrence: The appearance of symptoms caused by or related to a Medical Condition that was previously diagnosed by a Physician or for which Treatment was previously received.

Reasonable and Customary: Means for medical or dental expenses, the standard level of care given in the country You are in OR, for other expenses, the standard level You have booked for the rest of Your Trip OR, as determined by Us.

Return Date: Either the date of Your scheduled return to Your Country of Residence as indicated on Your most recent Policy Certificate or the date of Your actual return to Your Home Province.

Sickness: An acute illness or unforeseen disease requiring Emergency Medical Treatment, Emergency Dental Treatment or Hospitalization due to the sudden onset of symptoms.

Spouse: The person legally married to You, or if there is no such person, the person who has been living with You in a conjugal relationship for at least one (1) year, regardless of gender.

Stable and Controlled: Any Medical Condition (other than a Minor Ailment) for which there has been:

  • no new Treatment, new medical management, or newly Prescribed Medication(s); and
  • no change in Treatment, change in medical management, or
  • Change in Prescribed Medication; and
  • no new symptom or finding, more frequent symptom or finding or more severe symptoms or finding experienced; and
  • no test results or test results showing deterioration; and
  • no investigations or future investigations initiated or recommended for symptoms whether or not Your diagnosis has been determined; and
  • no Hospitalization and/or no referral to a specialist (made or recommended).

Start Date: The later of the Departure Date or the actual date and time You begin Your Trip (using local time) from Your Departure Point.

Strike: Means a stoppage of work:

  • announced, organized, and sanctioned by a labour union: and
  • which interferes with the normal departure and arrival of a Common Carrier.

This includes work slowdowns and sickouts. The Insured Traveller’s Trip Cancellation coverage must be effective prior to when the strike is foreseeable. A strike is foreseeable on the date labour union members vote to approve a strike.

Sporting Equipment: The equipment needed to participate in a specific sport.

Subsistence Allowance: Expenses incurred as a result of Your Emergency, including Reasonable commercial accommodation, meals, taxi fares and essential telephone calls.

Terminal Condition: A Medical Condition from which no recovery is expected and which carries a prognosis of death within 12 months of Your Effective Date.

Travel/Travelling Companion: The person with whom You are sharing travel arrangements and prepaid accommodation (to a maximum of three (3) people) in respect of a Trip.

Treatment: A medical, therapeutic or diagnostic procedure prescribed, performed or recommended by a licensed Physician, including but not limited to Prescription Medication, investigative testing, and surgery.

Trip: Your journey to travel outside Your Home Province, starting from the Start Date as shown on Your Certificate.

Trip Cost: Is the dollar amount of Trip payments or deposits which are subject to cancellation penalties or restrictions paid by the Insured Traveller prior to the Insured Traveller’s Trip Start Date.

Unsupervised: Means leaving Your luggage or any personal items:

  • with a person who is not Your Travelling Companion;
  • in any position where it can be taken without Your or Your Traveling Companions knowledge; or
  • such a distance from Your or Your Travelling Companion that You are unable to prevent it from being taken.

Vehicle: A private passenger automobile, minivan, recreational vehicle, or camper truck, which You use during Your Trip exclusively as conveyance of passengers other than for hire. It can be either owned by You or rented by You from a rental agency.

We, Us, Our: Means AIG Insurance Company of Canada, 120 Bremner Boulevard, Suite 2200 Toronto, ON M5J 0A8. This Policy is administered on AIG Insurance Company of Canada’s behalf by Travel Guard Group Canada, Inc. (Travel Guard Canada).

Your, Yourself, Your: The person/s named as Insured Travellers as shown on the Policy Certificate.

SPECIFIC DETAILS OF YOUR INSURANCE

AM I ELIGIBLE?

To be eligible for coverage under this Policy You must:

  1. agree that Canada is Your Country of Residence at the time Your Policy is purchased and for the full duration of Your Trip;
  2. be less than 66 years of age at the time Your Policy is purchased; and
  3. be travelling for a maximum of 365 days.

To be eligible for Trip Cancellation coverage You must:

  1. purchase this Policy prior to Your Start Date; and
  2. have purchased Your Policy not more than 18 months prior to Your Start Date

To be eligible for all other coverage under this Policy, You must be covered under Your GHIP for the full duration of Your Policy to be eligible for the maximum Emergency medical benefits. If You do not have GHIP coverage while on Your Trip, Your aggregate limit for all Emergency Medical Benefits will be limited to $40,000 CAD for the full duration of Your Trip.

HOW DO I BECOME INSURED?

Coverage under this Policy will not come into effect until all of the following conditions have been satisfied:

  1. Your name appears as an Insured Traveller on the Policy Certificate;
  2. You have paid the required Premium; and
  3. You have not cancelled Your Policy.

WHEN DOES MY INSURANCE START AND END?

For Trip Cancellation coverage this Policy comes into effect on Your Effective Date and ends the earliest of:

  1. Your Start Date; or
  2. the day You have cause to file a Trip cancellation claim.

For all other coverage:

This Policy comes into effect on the Start Date and ends the earliest of:

  1. the day indicated as Your Return Date on Your Policy Certificate; or
  2. the day You return to Your Home Province to end Your Trip;
  3. the day You have cause to file a Trip Cancellation claim.

If You return to Your Home Province for any reason, other than to end Your Trip, it doesn't change the Return Date of Your Policy and Your Policy cannot be put on hold. Unless specified in this Policy, all coverage ceases during Your visit until You resume Your Trip; then coverage continues until the Return Date shown on Your Policy Certificate. There is no coverage for any expenses under this Policy while You remain in Your Home Province.

UNDER WHAT CIRCUMSTANCES CAN MY POLICY EXTEND?

Automatic Extension of Coverage

If You or Your Travel Companion are Hospitalized on Your scheduled Return Date Your coverage will automatically be extended at no additional Premium for the period of Hospitalization and up to seven (7) days after discharge.

If You have a Medical Condition rendering You medically unable to travel on Your scheduled Return Date but You are not Hospitalized, Your coverage will be automatically extended for up to seven (7) days after Your scheduled Return Date.

Coverage will automatically be extended for up to 72 hours when there is a delay of a Common Carrier on which You are pre-booked as a passenger.

An extension of coverage is not provided for Pre-Existing Medical Conditions and/or for conditions You suffered during the term of Your original Policy.

Optional Policy Extension

If You choose to extend Your Trip beyond Your scheduled Return Date and You have not made a claim nor is there reason to claim, You may apply for a Policy extension subject to the following conditions:

  1. the request for an extension must be made through and approved by World Nomads prior to Your original Return Date;
  2. You must pay the required additional Premium before Your original Return Date;
  3. If You have sought Emergency Medical Treatment or filed a claim for Emergency Medical Treatment prior to extending Your Trip any subsequent medical Treatment related to Your Emergency will not be covered under the extension of coverage; and
  4. You must have been eligible for the insurance that You seek to extend at the time of Your original booking of Your Trip and at the time of the request for the extension.

10 DAY RIGHT TO EXAMINE

If You decide that You are not satisfied with this Policy, You may cancel it within 10 days, after the issue of Your Policy Certificate and of the Policy wording to You, and You will be given a full refund of the premium You paid, provided You have not started Your Trip and You do not want to make a claim or to exercise any other right under the Policy.

After this period You cannot cancel Your Policy.

PRIVACY PRINCIPLES

We abide by these Privacy Principles and want You, Our policyholders, insureds and claimants (referred to as “Customers” or “You”), to be aware of how and why We handle personal information. We work hard to respect and maintain Your privacy. However, the very nature of Our business is such that the collection, use and disclosure of personal information are fundamental to the products and services We provide.

These Privacy Principles apply only to the product or service Our Customers have obtained or the insurance Policy under which the Customer is seeking or receiving benefits. As a worldwide leader in the delivery of insurance products and services, the member companies of AIG Property Casualty Inc. offer numerous products and services to many types of consumers and clients in many different countries around the world. Therefore, differing AIG Property Casualty Inc. companies may adopt differing privacy practices to fit their own jurisdiction and business requirements. The Global Privacy Notice, located at www.aig.ca, may also be applicable to Our Customers as We conduct Our business.

For the purposes of these Privacy Principles personal information means information that identifies an individual. For example: an individual’s name, birth date, address, age, health and financial information is personal information which We may collect, use and in certain circumstances, where necessary, disclose, in the course of providing insurance services and carrying on business.

These Privacy Principles may be modified from time to time. An individual may obtain Our most up to date version located at www.aig.ca or by contacting us at:

The Privacy Officer
C/o AIG Insurance Company of Canada
120 Bremner Boulevard, Suite 2200
Toronto, ON M5J 0A8
1-800-387-4481

IV. Sections of Cover

SECTION 1: EMERGENCY MEDICAL COVERAGE

A. Benefits - Emergency Medical and Dental Coverage

If You incur expenses due to a covered risk, on or after Your Start Date, prior to, or on, Your Expiry Date and while You are on a Trip, We provide coverage for the following covered risks.

Some benefits may have specific maximum limits which are set out in the Schedule of Benefits. We do not pay more than the benefit limit.

Covered Risk 1: Emergency Medical Coverage for Injury and Sickness

Expenses incurred as a consequence of an Emergency and resulting from Injury, Sickness or death occurring on a Trip. This includes one (1) Follow-up Visit (not including ongoing Treatment), when the medical process in dealing with the Emergency requires such a Follow-up Visit. The Follow-up Visit must take place within 14 days of the initial Emergency. In the case of Hospital confinement any coverage related to the Hospital confinement terminates upon release from Hospital.

Benefits for Covered Risk 1:

1. Eligible Emergency Medical Expenses:

If prescribed by a Physician and pre-authorized by Us in advance, We cover the cost up to the limits shown in the Schedule of Benefits:

  1. of care received from a Physician in or out of a Hospital;
  2. of a Hospital room;
  3. of wheelchair, brace, crutch or other medical appliance;
  4. of tests that are needed to diagnose Your condition;
  5. of Prescription Medication;
  6. of the services of a licensed private duty nurse while You are Hospitalized; and
  7. of one (1) Follow-up Visit for Your Emergency that happened while on Your Trip which was covered under this Policy.

2. Expenses for ambulance transportation:

We cover:

  1. Reasonable and customary charges for a local licensed ground ambulance service to transport You to the nearest qualified medical service provider in an Emergency; or
  2. local taxi fare in lieu of ground ambulance transportation, where a ground ambulance is medically required but not available.
  3. When approved in advance by Our medical department, the cost of an air ambulance to transport You to the nearest qualified medical service Provider in an Emergency.

3. Bedside Companion Travel and Subsistence:

If You are travelling alone and are admitted to a Hospital for three (3) days or more, We cover, until You are medically fit to return to Your Home Province:

  1. the economy/charter class fare via the most cost-effective itinerary for the round-trip flight for someone to be with You;
  2. Subsistence Allowance as set out in the Schedule of Benefits (original receipts must be submitted for all eligible expenses); and
  3. coverage for such person under this Policy, subject to all of its terms, conditions, limitations and exclusions.

4. Emergency Evacuation and Repatriation:

If We or Your treating Physician recommends Your return to Your Home Province because of Your Medical Condition or if We or Your treating Physician recommends Your return after Your Emergency Medical Treatment, and if approved in advance by Us, We cover, via the most cost-effective itinerary:

  1. Up to the cost of a one-way economy airfare to return You to Your Home Province; or
  2. the fare for additional airline seats to accommodate a stretcher to return You to Your Home Province; or
  3. the fare for an upgrade to business class when a stretcher is not required to return You to Your Home Province; or
  4. where medically necessary, medical air evacuation to a Hospital in Your Home Province, when the attending Physician or Our medical department recommends that You be so transported for the purpose of obtaining immediate medical Treatment; and
  5. the cost of round-trip airfare via the most cost-effective itinerary for a qualified medical attendant to accompany You, and the attendant’s reasonable fees and expenses, if this is medically necessary or required by the airline.

5. Meals and Accommodation:

If a Medical Emergency prevents You or Your Travel Companion from returning to Your or Your Travel Companion’s Country of Residence or if Your Emergency Medical Treatment, or that of Your Travel Companion, requires Your transfer to a location that is different from Your original destination or You or Your Travel Companion are delayed beyond Your scheduled Return Date in order to obtain Emergency Medical Treatment, We cover Subsistence Allowance up to a daily maximum as outlined in the Schedule of Benefits (original receipts must be submitted for all eligible expenses).

6. Emergency Professional Services:

We cover expenses resulting from an Emergency, for services from a licensed physiotherapist, chiropractor, chiropodist, podiatrist or osteopath if ordered by a Physician, up to $250 per profession per Insured Traveller.

7. Return of Travel Companion:

If You must return to Your Home Province because of a covered Medical Condition and if You are travelling with a Travel Companion, We cover the Travel Companion for the extra cost of a one-way economy air fare on a commercial flight or charter via the most cost effective itinerary to return Your Travel Companion to his or her Country of Residence.

8. Return of Dependent Children Under Your Care:

If You are Hospitalized for more than 24 hours while on a Trip or if while on a Trip You must return to Your Home Province because of a Medical Condition validated by a Physician, We cover:

  1. the extra cost via the most cost-effective itinerary for Your Dependent Children to be transported to their Home Province; and
  2. the return airfare of a qualified escort when the airline requires it.

The Dependent Children must have been travelling with You and under Your care during Your Trip and they must be covered under this Policy.

9. Return to Your Trip Destination:

Should Our medical department request You to return to Your Home Province to receive immediate medical attention within Your period of coverage and provided Your attending Physician in Your Home Province then determines that You require no further medical attention for Your Medical Condition, We cover the cost of a one–way economy air fare on a commercial flight or charter via the most cost effective itinerary to transport You to Your scheduled Trip destination. Once You return to Your Trip destination, a Recurrence of the Medical Condition which necessitated Your return to Your Home Province or any related condition or complication will not be covered under this Policy.

However, You will not be covered for any Pre-existing Condition, Sickness or Injury for which You, or any other person whose Medical Condition gives rise to a claim, had sought or received medical treatment, or for which medication had commenced, or been changed in type, usage or dosage during the 90-day period immediately prior to the date You resume Your Trip.

Please note: This benefit must be pre-authorized by Us in advance and can only be used once during a scheduled Trip. When this benefit has been used Your Effective Date under this Policy then becomes the day You leave Your Departure Point to return to Your Trip destination.

10. Return of Remains:

If You die during Your Trip We cover reasonable expenses incurred for any one (1) of the following:

  1. reasonable transportation costs (using customary airline procedures) to return Your remains to Your Country of Residence plus up to $3,000 per Insured Traveller for the preparation of Your remains and a transportation container; or
  2. reasonable transportation costs (using customary airline procedures) to return Your remains to Your Country of Residence plus up to $2,000 per Insured Traveller for the cremation of Your remains and the cost of a standard burial urn at the place of Your death; or
  3. up to $3,000 per Insured Traveller for the preparation of Your remains and the cost of a standard burial container plus up to $2,000 per Insured Traveller for the burial of Your remains at the location where Your death occurred.

Further, if someone is legally required to identify Your body because You have died while on a Trip, We cover:

  1. the cost of a round-trip economy airfare on a commercial flight or charter via the most cost effective itinerary to transport someone to identify Your body;
  2. a Subsistence Allowance up to $500 for commercial accommodations and meals for that person (original receipts must be submitted for all eligible expenses); and
  3. that person under the terms of this insurance during the period in which he or she is required to identify Your body, up to three (3) business days.

11. Emergency Dental Coverage for Injury and Sickness:

Expenses incurred as a consequence of the unforeseen occurrence of symptoms of Sickness or Injury occurring on a Trip resulting in the necessity of immediate Emergency Dental Treatment by a licensed registered dentist, Physician or Hospital.

We cover:

  1. expenses You incur during Your Trip for care ordered, prescribed or received from a licensed dentist if You need Emergency Dental Treatment to repair or replace Your natural or permanently attached artificial teeth because of an Accidental blow occurring on a Trip to Your face or mouth; and expenses for continuing care after You return to Your Home Province and completed within 180 days of Your return, up to the benefit limit; or
  2. expenses You incur during Your Trip, up to the benefit limit, for Emergency Dental Treatment required because of an Emergency due to a cause other than an Accidental blow to Your face or mouth; and
  3. expenses You incur for Prescription Medication as a result of such Emergency.

Benefit Limit for Covered Risk 11a: Continuing care for an Accidental blow to the face or mouth up to the Emergency Dental for Injury limit as shown in the Schedule of Benefits per Insured Traveller.

B. Conditions - Emergency Medical Coverage and Dental Coverage

All of the conditions set out in the General Conditions Section of this Policy and all of the following conditions must be satisfied before a benefit is payable for Emergency Medical Treatment or Emergency Dental Treatment as set out in Section 1A:

  1. You must not know of any reason why You will need to seek medical or dental attention before Your Start Date;
  2. the portion of the expenses claimed are not covered by Your GHIP or any other related insurance or reimbursement plan;
  3. You must contact Us before seeking medical attention, emergency evacuation or repatriation unless Your Medical Condition prevents You from calling, in which case You must call as soon as medically possible or have someone call on Your behalf;
  4. Our medical department must approve in advance all surgery or invasive procedures prior to You undergoing such procedure(s). It is Your responsibility to inform Your attending Physician to call Us for approval in advance, except in extreme circumstances where such action would delay surgery required to resolve a life-threatening Medical Emergency; if You choose not to receive Treatment or services from the Provider, as directed by Us, You will be responsible for 30% of any eligible expenses incurred;
  5. You must be covered by GHIP for the full duration of Your Trip. If travelling outside Your Home Province for more than 183 days (212 for Ontario and Newfoundland residents) You must get written evidence of extension from Your GHIP. If You do not have GHIP for the full duration of Your Trip, Your aggregate limit for all Emergency medical benefits will be $40,000 CAD;
  6. the Emergency medical attention You receive must be outside of Your Home Province and be required as a consequence of an Emergency and ordered by a Physician;
  7. In the event of an Injury or Sickness that occurs while on Your Trip Your prior medical history will be reviewed as part of the claim process.
  8. During an Emergency (whether prior to admission or during a covered Hospitalization), We reserve the right to:
    1. move You to one of Our preferred health care Providers; and/or
    2. return You to Your Home Province for medical Treatment of Your Sickness or Injury.
    If You choose to decline the transfer or return when declared medically able by Our medical department, We will be released from any liability for expenses incurred for such Sickness or Injury after the proposed date of transfer or return.
  9. Once You are deemed medically able to return to Your Home Province (with or without a medical escort) either in the opinion of Our medical department or by virtue of discharge from Hospital, Your Medical Emergency is considered to have ended, where upon any further consultation, Treatment, Recurrence or complication related to the Medical Emergency will no longer be eligible for coverage under this Policy.

C. Limitations – Emergency Medical and Dental Coverage

Our liability under this Policy for expenses under this Emergency Medical and Dental Coverage is limited as follows.

  1. If You purchase this Policy after departing from Your Home then there will be no coverage for any Injury or Sickness for a period of 48 hours from Your Departure Date.
  2. Travelling within North America:
    1. You must contact Us before seeking medical attention, emergency evacuation or repatriation and a failure to call will result in You being responsible for 30% of any eligible expenses incurred unless Your Medical Condition prevents You from calling, in which case You must call as soon as medically possible or have someone call on Your behalf.
    2. If You choose not to receive Treatment or services from a Provider, as directed by Us, You will be responsible for 30% of any eligible expenses and We will not be responsible for any subsequent medical, hospital or evacuation expenses relating to or arising from Your Medical or Dental Condition.
  3. Travelling outside North America:
    1. You must contact Us before seeking medical attention, emergency evacuation or repatriation and a failure to call will result in Us limiting payment for any eligible expenses to the amount had expenses been pre-authorized or arranged by Us unless Your Medical Condition prevents You from calling, in which case You must call as soon as medically possible or have someone call on Your behalf.
    2. If You choose not to receive Treatment or services from a Provider, as directed by Us, You will be responsible for 30% of any eligible expenses and We will not be responsible for any subsequent medical, Hospital or evacuation expenses relating to or arising from Your Medical or Dental Condition.
  4. Our medical department must approve in advance all surgery or invasive procedures prior to You undergoing such procedure(s). It is Your responsibility to inform Your attending Physician to call Us for approval in advance, except in extreme circumstances where such action would delay surgery required to resolve a life-threatening Medical Emergency; if You choose not to receive Treatment or services from the Provider, as directed by Us, You will be responsible for 30% of any eligible expenses incurred;
  5. If You choose to decline the transfer or return You to Your Home Province for medical Treatment when declared medically able by Our medical department, We will be released from any liability for expenses incurred for such Sickness or Injury after the proposed date of transfer or return.

D. Exclusions - Emergency Medical and Dental Coverage

Pre-Existing Condition Medical Exclusion Ages 0-49

Your Emergency Medical and Dental Coverage is subject to all of the exclusions set out in the General Exclusions Section of this Policy and the following exclusion:

We do not cover any loss or expense related directly or indirectly to:

  1. Your Medical Condition or any related condition if in the 90-day period immediately preceding Your Start Date, that condition has not been Stable and Controlled; or
  2. You have been required to use, take, or been prescribed to take nitroglycerin in any form, more than once per a seven (7) day period for a heart condition; or
  3. had to take oral steroids; for example prednisone or prednisolone for a lung condition more than once per a seven (7) day period or more than 10 consecutive days.

Pre-Existing Condition Medical Exclusion Ages 50-59

Your Emergency Medical and Dental Coverage is subject to all of the exclusions set out in the General Exclusions Section of this Policy and the following exclusion:

We do not cover any loss or expense related directly or indirectly to:

  1. Your Medical Condition or any related condition if in the 180-day period immediately preceding Your Start Date, that condition has not been Stable and Controlled; or
  2. You have been required to use, take, or been prescribed to take nitroglycerin in any form, more than once per a seven (7) day period for a heart condition; or
  3. had to take oral steroids; for example prednisone or prednisolone for a lung condition.

Pre-Existing Condition Medical Exclusion Ages 60 - 65

Your Emergency Medical and Dental Coverage is subject to all of the exclusions set out in the General Exclusions Section of this Policy and the following exclusion:

We do not cover any loss or expense related directly or indirectly to:

  1. Your Medical Condition or any related condition if in the 270-day period immediately preceding Your Start Date, that condition has not been Stable and Controlled; or
  2. You have been required to use, take, or been prescribed to take nitroglycerin in any form, more than once per a seven (7) day period for a heart condition; or
  3. had to take oral steroids; for example prednisone or prednisolone for a lung condition.

SECTION 2: TRIP CANCELLATION, TRIP INTERRUPTION AND TRIP DELAY COVERAGE

A. Benefits - Trip Cancellation, Trip Interruption and Trip Delay Coverage

If You incur expenses due to a covered risk, on or after Your Start Date. Prior to or on Your Expiry Date, and while You are on a Trip, We provide coverage for the following covered benefits up to the specific benefit limits set out below. Benefit limits are for each Insured Traveller under this Policy. We do not pay more than the benefit limit.

TRIP CANCELLATION
You are covered for losses incurred in the event of Trip Cancellation due to any one (1) or more of the following covered risks (Covered Risks 1 to 6) if occurring on or after Your Effective Date and before Your Start Date.

Covered Risk 1: Medical Conditions and Death

One (1) or more of the following persons develops a Medical Condition as certified by a Physician or dies:

  1. You or Your Travel Companion, as certified by Your Physician, cannot travel; or
  2. Your or Your Travel Companion’s Immediate Family Member;
  3. Your or Your Travel Companion’s business partner

Covered Risk 2: Travel Advisory

A "defer travel" recommendation or a written formal notice is issued by the Department of Foreign Affairs and International Trade of the Canadian Government or Health Canada advising travellers not to travel to a country, region or city specifically listed as a destination on the itinerary of Your insured Trip and such recommendation or written formal notice is issued after both Your Effective Date and the date You pay for prepaid travel arrangements.

Covered Risk 3: Principal Residence

You, Your Spouse, or Your Travel Companion is unable to occupy such person’s principal residence or destination residence because of a natural disaster or unintentional act.

Covered Risk 4: Felonious Assault

You or a Travelling Companion being the victim of a felonious assault within 10 days prior to the Start Date. No coverage is provided for felonious assault committed by another Insured Traveller, Family Member, Travelling Companion or Travelling Companion’s Family Member.

Covered Risk 5: Strike

A Strike resulting in complete cessation of travel services at the Departure Point or destination.

Covered Risk 6: Financial Default

You have default of travel supplier coverage as outlined here and subject to all Policy terms, conditions, limitations and exclusions. If Your travel supplier files for bankruptcy or completely ceases operation more than 14 days after Your Policy Purchase Date and the loss incurred is not recoverable from any other source, either as a reimbursement or equivalent compensation, and the travel supplier is not listed on the Travel Guard Alert List (see Our website www.TravelGuard.ca or call 1- 866-878-0191) prior to Your Policy Purchase Date then You are covered up to Your insured limits for Trip Cancellation, Trip Interruption, and Trip Delay as set out in the Schedule of Benefits.

Benefits for Covered Risks 1 to 6:

  1. If You must cancel Your Trip due to the occurrence of one (1) or more of the following Covered Risks 1 to 6, We cover the non-refundable prepaid cost of unused travel arrangements provided You have insured the full value of the non-refundable cost of Your Trip as set out in the Schedule of Benefits.
  2. If You have prepaid shared accommodations and Your Travel Companion(s) must cancel their Trip due to the occurrence of one (1) or more of the Covered Risks 1 to 6, We cover the next occupancy charge when You elect to travel as originally planned.

TRIP INTERRUPTION
You are covered for losses incurred in the event of Trip Interruption due to any one (1) or more of the following Covered Risks 7 to 11 if occurring on or after Your Start Date and on or before Your Return Date.

Covered Risk 7: One (1) or more of the following persons develops a Medical Condition as certified by a Physician or dies:

  1. You or Your Travel Companion; or
  2. You or Your Travel Companion’s Immediate Family Member;
  3. You or Your Travel Companion’s business partner;

Benefits for Covered Risk 7:

If You suffer Trip interruption due to the occurrence of Covered Risk 7 (other than Your death), We cover:

  1. the non-refundable, unused Trip arrangements for which You have already paid less Your prepaid unused return transportation; and
    1. additional travel transportation expenses You incur via the most cost effective itinerary to return You to Your Departure Point of the Trip or Your Country of Residence, or
    2. Your economy class transportation via the most cost effective itinerary to Your next destination (in or outbound); or
    3. Your economy class transportation via the most cost effective itinerary to rejoin Your planned itinerary, tour or group; and
  2. Subsistence Allowance up to a daily maximum of as set out in the Schedule of Benefits (original receipts must be submitted for all eligible expenses).

If You die while on Your Trip We cover:

  1. the non-refundable unused portion of Your prepaid travel arrangements; and
  2. reasonable expenses incurred as outlined in Section 1 Emergency Medical Coverage, benefit 10. Return of Remains.

Covered Risk 8: Travel Advisory

A "defer travel" recommendation or a written formal notice is issued after Your Start Date by the Department of Foreign Affairs and International Trade of the Canadian Government or Health Canada advising travellers not to travel to a country, region or city specifically listed as a destination on Your itinerary of Your insured Trip.

Benefits for Covered Risk 8:

If You suffer Trip Interruption due to the occurrence of Covered Risk 8, We cover:

  1. the non-refundable, unused Trip arrangements for which You have already paid and additional travel transportation expenses via the most cost effective itinerary to return You to Your Home Province or Departure Point, less Your prepaid unused return transportation; or
  2. Your economy class transportation via the most cost effective itinerary to Your next destination (in or outbound); and
  3. Subsistence Allowance as set out in the Schedule of Benefits (original receipts must be submitted for all eligible expenses).

Covered Risk 9: Principal Residence

You or Your Travel Companion is unable to occupy such person’s principal residence because of a natural disaster or unintentional act.

Covered Risk 10: Strike

A Strike resulting in complete cessation of travel services at the Departure Point or Destination.

Covered Risk 11: Missed Connection

If Your regularly scheduled Common Carrier is delayed for three (3) hours or is cancelled due to Inclement Weather.

Benefits for Covered Risk 7 - 11:

If You suffer Trip Interruption due to one (1) or more of Covered Risks 7 to 11, occurring while You are on a Trip, We cover:

  1. the non-refundable, unused Trip arrangements for which You have already paid and additional travel transportation expenses via the most cost effective itinerary to Your Home Province, less Your prepaid unused return transportation; and
  2. Subsistence Allowance as set out in the Schedule of Benefits (original receipts must be submitted for all eligible expenses).

TRIP DELAY
You are covered for losses incurred in the event of Trip delay beyond Your scheduled Return Date due to Covered Risk 12 if occurring on or after Your Start Date and on or before Your Return Date.

Covered Risk 12: Medical Conditions and Death

  1. One (1) or more of the following persons develops an Emergency Medical Condition or dies:
    1. You or Your Travel Companion;
    2. Your or Your Travel Companion’s Immediate Family Member; or
  2. Your friend who is at Your destination dies.

Benefits for Covered Risk 12:

If You suffer Trip Delay due to Covered Risk 12, We cover:

  1. Subsistence Allowance as set out in the Schedule of Benefits (original receipts must be submitted for all eligible expenses); and

The lesser of:

  1. the change fee charged by the airline carrier(s) involved when such an option is available to You; or, the extra cost of Your one (1) way economy airfare via the most cost effective itinerary to return You to Your Departure Point or Home Province or Your Country of Residence.

B. Conditions - Trip Cancellation, Trip Interruption and Trip Delay Coverage

All of the conditions set out in the General Conditions Section of this Policy and all of the following conditions must be satisfied before a benefit is payable under this Trip Cancellation, Interruption and Delay Coverage as set out in Section 2A.

  1. You must notify Us within 48 hours when You become aware of a Trip Cancellation,
  2. You must notify Us within 24 hours when You become aware of a Trip Interruption or Trip Delay situation.
  3. You must cancel Your Trip booking immediately.

Please Note:
If You return to Your Home Province for any reason, other than to end Your Trip, it doesn't change the Return Date of Your Policy and Your Policy cannot be put on hold. Unless specified in this Policy, all coverage ceases during Your visit until You resume Your Trip; then coverage continues until the Return Date shown on Your Policy Certificate. There is no coverage for any expenses under this Policy while You remain in Your Home Province.

However, You will not be covered for any Pre-existing Condition, Sickness or Injury for which You, or any other person whose Medical Condition gives rise to a claim, had sought or received medical treatment, or for which medication had commenced, or been changed in type, usage or dosage during the 90-day period immediately prior to the date You resume Your Trip.

C. Exclusions – Trip Cancellation, Trip Interruption and Trip Delay Coverage

These exclusions apply to the Trip Cancellation, Interruption and Delay Coverage set out in Section 2A. The additional exclusions set out in the General Exclusions Section of this Policy also apply.
We do not cover or pay any benefit for any loss or expense related in whole or in part, directly or indirectly, to any of the following.

  1. Any cause if You or Your Travel Companion have knowledge at the time of booking Your Trip or purchasing Your insurance of any reason why the Trip might be cancelled, interrupted or delayed.
  2. Your or Your Spouse‘s Medical Condition or any related condition if in the 90-day period immediately preceding Your Start Date that condition has not been Stable and Controlled.
  3. Your or Your Spouse’s heart condition if in the 90-day period immediately preceding Your Effective Date:
    1. that person has had any heart condition that has not been Stable and Controlled; or
    2. that person has been required to use, take, or been prescribed to take nitroglycerin in any form, more than once per a seven (7) day period.
  4. Your or Your Spouse’s lung condition if in the 90-day period immediately preceding Your Effective Date:
    1. that person has had any lung condition that has not been Stable and Controlled; or
    2. that person required the use of home oxygen or had to take oral steroids; for example prednisone or prednisolone.
  5. The change in schedule of a medical test or surgery that was originally scheduled before Your Trip.
  6. Travel for the purpose of visiting a person suffering from a Medical Condition and the Medical Condition (or ensuing death) of that person is the cause of cancellation, interruption or delay of Your Trip.
  7. A travel visa or passport that is not issued due to a late application or that has been previously refused.
  8. Default of a travel supplier for travel services purchased from any travel supplier listed on the Travel Guard Alert List (see Our website www.TravelGuard.ca or call 1- 866-878-0191) either before Your Policy Effective Date or Your Trip purchase date.
  9. A defer travel recommendation issued by the Department of Foreign Affairs and International Trade of the Canadian Government or Health Canada, before either Your Policy Effective Date or Your Trip purchase date.
  10. Any such condition if the non-refundable portion of Your prepaid travel arrangements covered by this Policy exceeds the limits set out in the Schedule of Benefits, and if at any time in the 90-day period immediately preceding Effective Date Your Immediate Family Member’s, Your Travel Companion’s, or Your Travel Companion’s Immediate Family Member’s Medical Condition or any related condition has not been Stable and Controlled.

SECTION 3: FLIGHT ACCIDENT AND TRAVEL ACCIDENT COVERAGE

A. Benefits - Flight Accident and Travel Accident Coverage

You are covered in the event of a flight Accident or a travel Accident sustained during a Trip due to one (1) of the following covered risks for Accidental death or Accidental bodily Injury for the benefits set out below to a maximum benefit limits as set out in the Schedule of Benefits.

Covered Risk 1: Death or Total Disablement

Bodily Injury is sustained due to a flight Accident or a travel Accident (as described in Section 3B) occurring on or after the Start Date and on or before the Expiry Date and while You are on a Trip and as a result, within the 12 months immediately following the Accident You:

  1. die;
  2. suffer loss of sight in both eyes;
  3. have two (2) of Your limbs fully severed above Your wrist or ankle joints; or
  4. suffer complete and irrecoverable loss of speech or loss of hearing.

Benefits for Covered Risk 1:

In the event of the occurrence of Covered Risk 1, We pay a benefit equal to 100% of the applicable Flight or Travel Accident Maximum Benefit Amount for such bodily Injury.

Please note: If Your body is not found within 12 months of the Accident, We will presume that You died as a result of Your Injuries.

Benefit Limit for Covered Risk 1: If You have more than one (1) Accidental bodily Injury while covered, We will pay no more than the limit as set out in the Schedule of Benefits.

Covered Risk 2: Partial Disablement

Bodily Injury is sustained due to a flight Accident or travel Accident (as described in Section 3B) occurring on or after Start Date and on or before the Expiry Date and while You are on a Trip and as a result, within the 12 months immediately following the Accident, You:

  1. suffer loss of sight in one (1) eye; or
  2. have one (1) of Your limbs fully severed above a wrist or ankle joint

Benefits of Covered Risk 2:

In the event of the occurrence of Covered Risk 2, We pay a benefit of 50% of the applicable Flight Accident or Travel Accident Maximum Benefit Amount for such bodily Injury.

Benefit Limit for Covered Risk 2: If You have more than one (1) Accidental bodily Injury while covered, We will pay no more than the limit as set out in the Schedule of Benefits.

B. Conditions – Flight Accident and Travel Accident Coverage

All of the conditions set out in the General Conditions Section of this Policy and all of the following conditions must be satisfied before a benefit is payable under this Flight Accident and Travel Accident Coverage.

  1. Flight Accident: This Flight Accident benefit, as described in the Benefits for Covered Risk 1 and Benefits for Covered Risk 2 above, applies only to an Accidental bodily Injury sustained by You while riding as a passenger (but not as a pilot, operator, or member of the crew) in, on, boarding, or alighting from any passenger plane having a current and valid airworthiness certificate. We will also provide coverage for the following:
    1. when You are a passenger in a land or water conveyance, that an airline provides at their expense, as a substitute for a passenger plane on which this Policy would have covered You;
    2. when You are a passenger in a limousine or bus provided by the airline or airport authority;
    3. when You are at an airport prior to boarding or after deplaning a flight covered by this Policy;
    4. when You are travelling to or from airports in a scheduled helicopter flight to make a connection with a flight covered by this insurance; or
    5. when You are a passenger on a covered flight that is forced to land or disappears, and You are exposed to the elements.
  2. Travel Accident: This Travel Accident benefit, as described in the Benefits for Covered Risk 1 and Benefits for Covered Risk 2 above, applies only to an Accidental bodily Injury sustained by You during a Trip when the Flight Accident coverage does not apply.

C. Exclusions – Flight Accident and Travel Accident Coverage

These exclusions apply to the Flight Accident and Travel Accident Coverage set out in Section 3A. The additional exclusions set out in the General Exclusions Section of this Policy also apply. We do not cover any claim related in whole or in part, directly or indirectly, to:

  1. a disease, even if the proximate cause of its activation or reactivation is the Accidental bodily Injury; or
  2. partaking of any of the activities not covered as listed in Section 5. Sports.

SECTION 4: BAGGAGE, PERSONAL EFFECTS AND SPORTING EQUIPMENT COVERAGE

If You incur expenses due to a covered risk, on or after Your Start Date and prior to or on Your Expiry Date We provide coverage for the following covered benefits up to the specific benefit limits set out in the Schedule of Benefits. Benefit limits are for each Insured Traveller under this Policy. We do not pay more than the benefit limit.

A. Benefits – Baggage and Personal Effects Coverage

If You incur a loss due to a covered risk while on a Trip, We provide coverage for the following covered benefits, subject to any specific limits set out in the benefit provisions.

Covered Risk 1: Baggage and Personal Effects Theft or Damage

Stolen or damaged Baggage and Personal Effects that You own and use during Your Trip.

Benefits for Covered Risk 1:

We cover:
The Depreciated Value of the item up to the limit shown in the Schedule of Benefits to replace a single article (including its attachments, accessories and equipment, matched pair or set, or group of related articles).

Benefit Limit: Depreciated Value of the item which was stolen or damaged up to the limit as set out in the Schedule of Benefits.

Covered Risk 2: Travel Documents Theft or Damage

Theft or damage to Your passport, driver’s license, birth certificate, or travel visa.

Benefits for Covered Risk 2:

We cover up to the maximum limit as set out in the Schedule of Benefits towards the replacement of one (1) or more of these documents.

Covered Risk 3: Baggage Delay

A delay of delivery of checked baggage of 12 hours or more by an airline or ground carrier on which You travelled while on a Trip.

Benefits for Covered Risk 3:

We cover up to the maximum limit as set out in the Schedule of Benefits for replacement of necessary personal effects.

Covered Risk 4: Sporting Equipment Theft or Loss by a Common Carrier

This Policy provides coverage should Your Sporting Equipment become lost or damaged by the Common Carrier or stolen provided You have taken all reasonable measures to protect, save and recover Your property at all times. Coverage is secondary to any coverage provided by the Common Carrier.

Benefits for Covered Risk 4:

Lost or damaged Sporting Equipment by a Common Carrier or stolen.

We cover:
The Depreciated Value of the item up to the limit shown in the Schedule of Benefits to replace a single article (including its attachments, accessories and equipment, matched pair or set, or group of related articles).

Benefit Limit: Depreciated Value of lost, stolen or damaged Sporting Equipment up to the limit as set out in the Schedule of Benefits.

Covered Risk 5: Sporting Equipment Delay

A delay of delivery of checked Sporting Equipment of 12 hours or more by an airline or transportation on which You travelled while on a Trip.

Benefits for Covered Risk 5:

We cover up to the maximum limit as set out in the Schedule of Benefits for the hire of necessary Sporting Equipment.

B. Conditions - Baggage, Personal Effects and Sporting Equipment Coverage

All of the conditions set out in the General Conditions Section of this Policy and all of the following conditions must be satisfied before a benefit is payable under this Baggage, Personal Effects and Sporting Equipment Coverage as set out in Section 4A.

  1. Benefits are payable only after You have exhausted recovery or reimbursement benefits available from the transportation carrier.
  2. We will pay this benefit up to the applicable limit after making proper allowance for wear and tear or depreciation for the loss of, damage to and delay of the Baggage and Personal Effects or Sporting Equipment that You own and that You use during Your Trip.
  3. In the event of theft, burglary or robbery of an item covered under this benefit, You must obtain written documented evidence (police report) from the police immediately or as soon as reasonable, and a written confirmation of the loss from the hotel manager, tour guide, or transportation authorities, where relevant.
  4. A Common Carrier report is required for any Sporting Equipment claim due to the equipment being lost or damaged by a Common Carrier.
  5. You must take all precautions to protect, save or recover the property immediately and advise Us as soon as possible.
  6. We reserve the option to repair or replace Your property with another of a similar kind, quality, and value and to ask You to submit damaged items for appraisal.

C. Limitations - Baggage, Personal Effects and Sporting Equipment Coverage

Our liability under this Policy for expenses under this Baggage, Personal Effects and Sporting Equipment Coverage is limited to $2,000 per Standard Policy and $5,500 per Explorer Policy.

D. Exclusions - Baggage, Personal Effects and Sporting Equipment Coverage

These exclusions apply to the Baggage, Personal Effects and Sporting Equipment Coverage set out in Section 4A. The additional exclusions set out in the General Exclusions Section of this Policy also apply. We do not cover or pay any benefit for any loss or expense related in whole or in part, directly or indirectly, to:

  1. theft of: animals; bicycles except while checked as baggage on a Common Carrier, perishable items; household items and furniture; artificial teeth or limbs; hearing aids; eyeglasses of any type; contact lenses; money; tickets; securities; items related to Your occupation or profession; antiques or collectors’ items; fragile items; items obtained illegally; or articles that are insured on a valued basis;
  2. damage or loss resulting from wear and tear, deterioration, defect, mechanical breakdown, Your imprudence, or Your omission;
  3. unaccompanied baggage, Baggage and Personal Effects or Sporting Equipment left Unsupervised or in an unlocked vehicle;
  4. Baggage and Personal Effects or Sporting Equipment shipped under a freight contract;
  5. Baggage and Personal Effects or Sporting Equipment that is delayed on Your final return flight to Your Home Province; or
  6. lost, misplaced or any Mysterious Disappearance of any item, Baggage and Personal Effects or Sporting Equipment.

SECTION 5: ADVENTURE SPORTS COVERAGE

You're automatically covered to participate in various adventure sports, activities and volunteer and work experiences under the Standard Plan and Explorer Plan shown as Level 1 in the list below when the Premium for the Policy is paid. Other work, sports experiences and activities shown in the list below as Level 2 or Level 3 will need an extra Premium to be paid for cover to apply.

If You have paid the additional premium for a sport or activity in Level 2 You are covered for all sports and activities listed as Level 1 and 2. If You have paid the additional Premium for a sport or activity in Level 3 You will be covered for all sports and activities listed as Level 1, 2 and 3. There is no cover under any part of Your Policy for any sport or activity which is shown as Excluded in the list below.

If You are participating in an activity that is not listed, You must contact Us to ensure You have full cover. Cover will not be in place until We have confirmed acceptance and any additional Premium paid.

You must upgrade Your adventure sport coverage when You initially purchase Your Policy for cover to apply on Your Trip. Any sports You select will be shown on Your Certificate of Insurance and the applicable Premium calculated at the time of purchase. If You extend Your Trip, cover for the sports and activities You initially selected will automatically be extended. It is not possible to add or remove adventure sport options after Your initial purchase.

Note: Special conditions and exclusions, in addition to the General Conditions and General Exclusions, may apply while taking part in certain sports or activities. See the individual sport and activity below for details:

Activity Level Special Conditions Special Exclusions
Abseiling (rappelling, rapping, rap jumping, deepelling, abbing) See also climbing, mountaineering and expeditions. Level 1 N/A 3
Acrobatics (see gymnastics or trapeze) Not covered N/A N/A
Aerial safari Level 1 N/A N/A
Aerobics Level 1 N/A N/A
Air guitar Level 1 N/A N/A
American Football (Gridiron) Level 1 N/A N/A
Archery Level 1 N/A N/A
Athletics Level 1 N/A N/A
Au Pair/nanny (paid or volunteer childcare) Level 1 N/A N/A
Australian Rules Football (AFL) Level 1 N/A N/A
Backpacking up to 3,000 metres Level 1 N/A N/A
Backpacking up to 6,000 metres Level 3 N/A N/A
Backpacking over 6,000 metres Not covered N/A N/A
Badminton Level 1 N/A N/A
Ballet Level 1 N/A N/A
Ballooning - hot air Level 1 N/A N/A
Ballroom dancing Level 1 N/A N/A
Banana Boat Rides Level 1 N/A N/A
Bar work (hospitality, manual work) Level 1 N/A N/A
BASE Jumping/B.A.S.E. Jumping Not covered N/A N/A
Baseball Level 1 N/A N/A
Basketball Level 1 N/A N/A
Bicycle polo Level 2 N/A N/A
Big Game Hunting Not covered N/A N/A
Black Water Rafting (cave tubing) (grades 1 - 5) Level 1 N/A N/A
BMX - off road/on track/cross country (see also mountain biking) Level 3 N/A 1
BMX - on road Level 1 N/A 1
Boating (outside coastal waters/beyond 3 nautical miles) Level 2 N/A 4
Boating (inland/coastal waters) Level 1 N/A N/A
Bobsled (non-snow track) Level 1 N/A N/A
Bobsled/Bobsleigh (in snow) Level 1 1 N/A
Bouldering (see also rock climbing) Level 2 N/A N/A
Bowling (lawn, ten-pin, nine-pin, candlepin, duckpin and five-pin bowling, bowls, pétanque & boules) Level 1 N/A N/A
Boxing (gym or outdoor training) Level 1 1 N/A
Bull riding Not covered N/A N/A
Bungee/Bungy jumping Level 1 N/A 5
Bushwalking up to 3,000 metres Level 1 N/A N/A
Bushwalking up to 6,000 metres Level 3 N/A N/A
Bushwalking over 6,000 metres Not covered N/A N/A
Bushcraft Level 1 N/A N/A
Camel Riding (day tour/single ride) Level 1 N/A N/A
Camel Trekking (overnight/main mode of transport) Level 1 N/A N/A
Camping up to 3,000 metres (see also mountaineering and expeditions) Level 1 N/A N/A
Camping up to 6,000 metres (see also mountaineering and expeditions) Level 3 N/A N/A
Camping over 6,000 metres Not covered N/A N/A
Canoeing (beyond 3 nautical miles) Level 2 N/A N/A
Canoeing (inland or coastal waters grades 1 - 5) Level 1 N/A N/A
Canoeing (outside coastal waters, including sea canoeing) Level 2 N/A 4
Canyon Swing Level 1 N/A N/A
Canyoning Level 1 N/A N/A
Capoeira Dancing Level 1 N/A N/A
Cave diving (see Scuba diving) Not covered N/A N/A
Cave tubing Level 1 1 N/A
Cavern diving (over 40 metres) Not covered N/A N/A
Cavern diving (to 40 metres - see also Scuba diving) Level 3 4 2
Caving (sightseeing/tourist attraction) Level 1 N/A N/A
Caving/spelunking/potholing Level 3 N/A N/A
Cheerleading Level 1 N/A N/A
Clay Pigeon Shooting Level 1 N/A N/A
Cliff diving Not covered N/A N/A
Competing at international events as a national representative Not covered N/A N/A
Crewing of a vessel less than 60 miles from a safe haven Level 2 N/A N/A
Crewing of a vessel more than 60 miles from a safe haven Not covered N/A N/A
Cricket Level 1 N/A N/A
Croquet Level 1 N/A N/A
Cruising (passenger on a cruise ship) Level 1 N/A N/A
Cruising (crewing on a cruise ship) Not covered N/A N/A
Curling Level 1 N/A N/A
Cycling (incidental to the trip; independent touring; on organised tour, up to 3,000 metres in elevation) Level 1 N/A N/A
Cycling (incidental to the trip; independent touring; on organised tour, up to 6,000 metres in elevation) Level 3 N/A Cycling Yungas Road (Death Road)
Cycling (over 6,000 metres in elevation) Not covered N/A N/A
Dancing (ballet, ballroom, capoeira, salsa, interpretive dance) Level 1 N/A N/A
Darts Level 1 N/A N/A
Deep sea fishing Level 2 N/A Commercial fishing
Deep water soloing Not covered N/A N/A
Deepelling Level 3 N/A N/A
Dirt Boarding Level 1 N/A N/A
Dodge Ball Level 1 N/A N/A
Dog Sledding Level 1 N/A Dog sledding in inaccessible areas; on unrecognized trails; racing; time trials and endurance events
Dragon Boating (inland or coastal waters) Level 1 N/A N/A
Dragon Boating (outside coastal waters) Level 2 N/A 4
Dune Buggy Level 1 N/A N/A
Elephant Riding/Trekking Level 1 N/A N/A
Expeditions (Multi-day trekking or mountaineering under 6,000m) Level 3 1 3
Expeditions (Multi-day trekking or mountaineering over 6,000m, unsupported or solo expeditions, exploratory expeditions or new routes, or any expedition within the Arctic Circle, the Antarctic or Greenland) Not covered N/A N/A
Extreme pursuits (other than as listed) Not covered N/A N/A
Fell Running/Walking (also see hiking, mountaineering and expeditions) Level 1 N/A N/A
Fencing Level 1 N/A N/A
Fishing (ice fishing) Level 3 N/A N/A
Fishing (inland or coastal waters) Level 1 N/A Rock fishing; commercial fishing
Fishing (outside coastal waters, deep sea fishing) Level 2 N/A N/A
Fitness Training Level 1 N/A N/A
Floorball Level 1 N/A N/A
Fly by wire Level 2 N/A N/A
Flying as a passenger in a glider or ultralight Not covered N/A N/A
Flying as a pilot or crew of any aircraft Not covered N/A N/A
Flying as a passenger while stunt flying, performing aerobatics Not covered N/A N/A
Flying as a passenger in a licensed scheduled or chartered aircraft or helicopter Level 1 N/A N/A
Football (soccer) Level 1 N/A N/A
Free diving Not covered N/A N/A
Free soloing Not covered N/A N/A
Frisbee Level 1 N/A N/A
Fruit picking (WWOOFing, general farm work, manual work) Level 1 N/A N/A
Glacier walking (ice walking) Level 1 N/A N/A
Gliding Not covered N/A N/A
Go Karting Level 1 N/A N/A
Golf Level 1 N/A N/A
Gridiron Level 1 N/A N/A
Gym training (aerobics, spinning, zumba, body pump, weight training, cross training, crossfit) (See also boxing and martial arts Level 1 N/A Powerlifting
Gymnastics (also see trapeze) Level 1 N/A 5
Handball Level 1 N/A N/A
Hang gliding Level 3 N/A 5
Hazardous activities (other than as listed) Not covered N/A N/A
High altitude climbing, mountaineering or expeditions over 6,000 metres Not covered N/A N/A
High diving up to 10 metres Level 1 N/A Cliff diving
Hiking up to 3,000 metres (scrambling, hillwalking) see also mountaineering and expeditions Level 1 N/A 3
Hiking up to 6,000 metres (scrambling, hillwalking) see also mountaineering and expeditions Level 3 N/A 3
Hiking over 6,000 metres Not covered N/A N/A
Hockey (floor hockey or ice hockey in indoor/outdoor rink). For frozen lake/frozen river, select Hockey - frozen lake/frozen river Level 1 N/A N/A
Horse riding (bare back) Not covered N/A N/A
Horse riding (polo) Not covered N/A N/A
Horse riding (rodeo) Not covered N/A N/A
Horse riding (equestrian, dressage, show jumping, eventing) Level 3 N/A N/A
Horse Riding (leisure/social/non-competitive riding) Level 1 N/A N/A
Hot Air Ballooning (ballooning) Level 1 N/A N/A
Hunting Level 3 N/A Big game hunting
Hydrofoiling Level 1 N/A N/A
Hydrospeeding (grades 1 - 5) Level 1 N/A N/A
Ice climbing (see also mountaineering) Level 3 N/A 3
Ice fishing Level 3 N/A N/A
Ice Hockey (indoor/outdoor rink) Level 1 N/A N/A
Ice Hockey (frozen lake or river) Level 3 N/A N/A
Ice Skating (indoor/outdoor rink) Level 3 N/A N/A
Ice Skating (frozen lake or river) Level 3 N/A N/A
In-line Skating Level 1 N/A N/A
Jet Boating (inland/coastal waters, grades 1 - 2 Level 1 N/A N/A
Jet skiing (inland/coastal waters, grades 1 - 2) Level 1 N/A N/A
Kayaking (inland/coastal waters, grades 1 - 5 including white water, sea kayaking) Level 1 N/A N/A
Kayaking (outside coastal waters, including sea kayaking) Level 2 N/A 4
Kite boarding (on land or water) Level 1 N/A N/A
Kite buggy Level 2 N/A N/A
Kite flying Level 1 N/A N/A
Kite surfing Level 1 N/A N/A
Kite wing (land, water Level 2 N/A N/A
Kite wing (snow) Level 2 N/A N/A
Korfball Level 1 N/A N/A
Lacrosse Level 1 N/A N/A
Land surfing Level 2 N/A N/A
Lawn bowling Level 1 N/A N/A
Martial arts (cage fighting, mixed martial arts, kick boxing, Muay Thai) Not covered N/A N/A
Martial arts (other than Judo & Karate) Not covered N/A N/A
Martial arts (Judo, karate) Level 1 N/A N/A
Martial arts (non-contact) Level 1 N/A N/A
Martial arts competitions or bouts Not covered N/A N/A
Mongol Rally Not covered N/A N/A
Moped riding Level 1 2 N/A
Motor biking (off road, trail bike riding) Level 2 2 N/A
Motor biking (on road) Level 1 2 N/A
Motor biking (pillion passenger with a licensed driver on road) Level 1 N/A N/A
Motor racing (driver or passenger in a motor sport show, race, competition or rally) Not covered N/A N/A
Motor racing experience (passenger only) Level 1 N/A N/A
Motocross Not covered N/A N/A
Mountain biking (on or off road / downhill / cross country) up to 3,000 metres in elevation Level 1 N/A N/A
Mountain biking (on or off road / downhill / cross country) up to 6,000 metres in elevation Level 3 N/A Cycling Yungas Road (Death Road)
Mountain biking over 6,000 metres Not covered N/A N/A
Mountain guide (mountaineering; rock climbing instructor or guide using ropes or specialist equipment) Not covered N/A N/A
Mountaineering to 6000 metres (with ropes, picks or specialist climbing equipment) see also expeditions Level 3 1 3
Multi-sport, triathlon, outdoor endurance (less than ultra-distance) Level 3 N/A N/A
Multi-sport, triathlon, outdoor endurance (ultra-distance or more) Not covered N/A N/A
Nanny/Au Pair (paid or volunteer childcare) Level 1 N/A N/A
Netball Level 1 N/A N/A
New climbing routes Not covered N/A N/A
Obstacle course/assault course/trim trail Level 3 N/A N/A
Office work (paid or volunteer clerical, non-manual work) Level 1 N/A N/A
Orienteering Level 1 N/A N/A
Outrigger canoeing (inland or coastal waters) Level 1 N/A N/A
Outrigger canoeing (outside coastal waters) Level 2 N/A 4
Outward Bound Level 1 N/A N/A
Paddle boarding Level 1 N/A N/A
Paint balling/airsoft Level 1 N/A N/A
Parachuting (more than 1 jump) Not covered N/A N/A
Parachuting (one jump only) Level 1 N/A 5
Paragliding/parapenting Level 3 N/A N/A
Parasailing (over water) Level 1 N/A N/A
Parasailing (over land) Level 3 N/A N/A
Parkour Not covered N/A N/A
Potholing Not covered N/A N/A
Power lifting Not covered N/A N/A
Quad biking Level 1 N/A N/A
Racquetball Level 1 N/A N/A
Rambling Level 1 N/A N/A
Rap jumping Level 3 N/A 3
Rappelling Level 3 N/A 3
Retail work (shop assistant/manager, general retail, manual work) Level 1 N/A N/A
Rickshaw Run Not covered N/A N/A
Rifle range/sports shooting Level 1 N/A N/A
River boarding/hydrospeeding (grades 1-5) See also black water rafting. Level 1 N/A N/A
Rock climbing (indoor) Level 2 N/A N/A
Rock climbing (bouldering) Level 2 N/A 3
Rock climbing (outdoor under 6,000m - multi-pitch climbing / sport climbing / bolted / aid climbing / traditional climbing / top or bottom rope climbing - see also mountaineering) Level 3 N/A N/A
Rock climbing (outdoor - over 6,000m) Not covered N/A 3
Rock fishing Not covered N/A 3
Roller hockey Level 1 N/A N/A
Roller skating Level 1 N/A 1
Rollerblading Level 1 N/A 1
Rounders Level 1 N/A N/A
Rowing/sculling (inland/coastal waters) Level 1 N/A N/A
Rugby (League/Union) Level 1 N/A N/A
Running (marathon distance) Level 2 N/A N/A
Running (half marathon distance or less) Level 1 N/A N/A
Running (ultra marathon) Not covered N/A N/A
Running of the bulls Not covered N/A N/A
Safari tours Level 1 N/A Handling of big game or dangerous animals
Sail boarding (inland or coastal waters) Level 1 N/A N/A
Sailing (inland/coastal waters) Level 1 N/A N/A
Sailing (outside coastal waters) Level 2 N/A 4
Salsa dancing Level 1 N/A N/A
Sandboarding/sandskiing Level 1 N/A N/A
Scooter biking/riding Level 1 2 N/A
Scrambling (up to 3,000 metres)ng Level 1 N/A N/A
Scrambling (up to 6,000 metres)g Level 3 N/A N/A
Scrambling (over 6,000 metres) Not covered N/A N/A
Scuba diving over 40 metres Not covered N/A N/A
Scuba diving to 30 metres Level 1 4 2
Scuba diving to 40 metres Level 2 4 2
Scuba diving (unqualified/learn to dive course/discover dive with qualified instructor) Level 1 4 2
Scuba diving (cave diving) Not covered N/A N/A
Scuba diving (cavern diving over 40 meters) Not covered N/A N/A
Scuba diving (cavern diving to 40 meters) Level 3 4 2
Scuba diving (commercial) Not covered N/A N/A
Scuba diving (paid or volunteer instructor or guide) Level 3 4 2
Sculling Level 1 N/A N/A
Sea canoeing (beyond 3 nautical miles) Level 2 N/A 4
Sea canoeing (inland or coastal waters within 3 nautical miles, grades 1 - 5) Level 1 N/A N/A
Sea Kayaking (beyond 3 nautical miles) Level 2 N/A 4
Sea canoeing (inland or coastal waters within 3 nautical miles, grades 1 - 5) Level 1 N/A N/A
Segway tours Level 3 N/A N/A
Shark cage diving (non-qualified at surface or qualified to scuba dive to 30 metres) Level 1 1/td> N/A
Shooting (rifle range/sports) Level 3 N/A N/A
Skateboarding (ramp, half pipe, skate park, street) s) Level 3 N/A N/A
Skeleton Level 3 N/A N/A
Ski instructor or guide (paid or volunteer) Level 3 3 1
Ski joring Level 1 N/A N/A
Skiing (cross country/nordic skiing on marked trails) Level 3 3 1
Skiing (power assisted skiing) Level 3 3 1
Skiing (snowblading) Level 3 3 1
Skiing (on piste or off piste within resort boundaries) Level 3 3 1
Skiing (backcountry/outside of resort boundary/alpine ski touring) Level 3 3 1
Skiing (by helicopter/snow cat) Level 3 3 1
Skiing (dry slope) Level 3 3 1
Skiing (terrain park within resort) Level 3 3 1
Skydiving (over 1 jump) Not covered N/A N/A
Skydiving (one jump only) Level 3 N/A 5
Sledding/Tobogganing/Snow Sleds/Snow Sleighs (on snow) Level 3 N/A N/A
Sleigh rides (horse drawn) Level 1 N/A N/A
Snooker Level 1 N/A N/A
Snorkeling Level 1 N/A N/A
Snow biking Level 1 N/A N/A
Snow kiting Level 3 N/A N/A
Snow rafting Level 1 N/A N/A
Snowboarding instructor or guide (paid or volunteer) Level 3 3 1
Snowboarding (back country/outside of resort boundary/alpine ski touring) Level 3 3 1
Snowboarding (by helicopter/snow cat) Level 3 3 1
Snowboarding (dry slope) Level 3 3 1
Snowboarding (on piste or off piste within resort boundaries) Level 3 3 1
Snowboarding (terrain park within resort) Level 3 3 1
Snowmobiling Level 1 N/A N/A
Snowmobiling (on frozen lakes and rivers) Not covered N/A N/A
Soccer Level 1 N/A N/A
Softball Level 1 N/A N/A
Spearfishing Level 2 N/A N/A
Speed Boating (inland/coastal waters) Level 1 N/A N/A
Speed Boating (outside coastal waters) Level 2 N/A 4
Speed flying Not covered N/A N/A
Speed trials Not covered N/A N/A
Spelunking (caving) Level 3 N/A N/A
Squash/Racquet ball Level 1 N/A N/A
Stand up paddle surfing/paddle boarding Level 1 N/A N/A
Stilt walking Level 1 N/A N/A
Stoolball Level 1 N/A N/A
Stunt flying Not covered N/A N/A
Surf boat rowing Level 1 N/A N/A
Surfing Level 1 N/A N/A
Swimming (outside coastal waters) Level 3 N/A N/A
Swimming (pool enclosed, inland or coastal waters) Level 1 N/A N/A
Swimming with whales/whale sharks (inside or outside coastal waters) Level 1 N/A N/A
Table tennis Level 1 N/A N/A
Tandem skydiving (one jump only) Level 3 N/A 5
Tandem skydiving (over 1 jump) Not covered N/A N/A
Tchoukball Level 1 N/A N/A
Teaching (paid or volunteer, child care, non-manual work) Level 1 N/A N/A
Tennis Level 1 N/A N/A
Ten-pin bowling Level 1 N/A N/A
Theme parks/fairgrounds Level 1 N/A N/A
Tough Mudder Level 3 N/A N/A
Trail bike riding (motor biking off road) Level 3 N/A N/A
Tramping (up to 3,000 metres) Level 1 N/A N/A
Tramping (up to 6,000 metres) Level 3 N/A N/A
Tramping (over 6,000 metres) Not covered N/A N/A
Trampolining Level 1 N/A N/A
Trapeze/High Wire Level 3 N/A 5
Trekking (up to 3,000 metres) Level 1 N/A N/A
Trekking (up to 6,000 metres) Level 3 N/A N/A
Trekking (over 6,000 metres) Not covered N/A N/A
Triathlon (less than ultra-distance) Level 3 N/A N/A
Triathlon (ultra-distance or more) Not covered N/A N/A
Tubing on rivers Level 1 N/A N/A
Tubing on snow Level 1 N/A N/A
Tuk Tuk (racing, hire without licensed driver, Rickshaw Run) Not covered N/A N/A
Ultimate Frisbee Level 1 N/A N/A
Via Ferrata Level 2 N/A N/A
Volleyball Level 1 N/A N/A
Wake skating Level 1 N/A 5
Wakeboarding Level 1 N/A 5
War gaming (online gaming) Level 1 N/A N/A
Water polo Level 1 N/A N/A
Water skiing Level 1 N/A 5
Water skiing (barefoot) Level 1 N/A 5
Weight training Level 1 N/A Powerlifting
White water kayaking (inland / coastal waters within 3 nautical miles, grades 1-5)) Level 1 N/A N/A
White water rafting (grades 1-5) Level 1 N/A N/A
Windsurfing (inland or coastal waters) Level 1 N/A N/A
Windsurfing (outside coastal waters) Level 2 N/A 4
Wingsuit flying Not covered N/A N/A
Work - Paid or Volunteer Instructor or guide (mountaineering, rock climbing or mountain guide where ropes or specialist equipment used) Not covered N/A N/A
Work - Paid or Volunteer Instructor or guide (in other covered activities) Level 2 N/A N/A
Work - Paid or Volunteer Instructor or guide (ski, snowboard, scuba dive) Level 3 N/A N/A
Work - Paid or Volunteer Manual Work (any work with power tools or working at height under 5 metres) Level 2 N/A N/A
Work - Paid or Volunteer Manual Work (hospitality, retail, general farm work) Level 1 N/A N/A
Work - Paid or Volunteer Non-Manual Work (teaching, clerical, childcare) Level 1 N/A N/A
Work - Paid or volunteer work at height over 5 metres, offshore rigs, underground or caves, operating machinery, working with dangerous animals/big game. Not covered N/A N/A
WWOOFing (general farm work, fruit picking, manual work) Level 1 N/A N/A
Yoga (class, alone/home practice) Level 1 N/A N/A
Yungas Road (Death Road) Not covered N/A N/A
Zip line Level 2 N/A N/A
Zorbing Level 1 N/A N/A

Special Conditions

  1. You must be with a professional, qualified and licensed guide, instructor or operator.
  2. You must have the appropriate certification or licence to do this sport or activity at home. If operating a motor vehicle, the driver must have the appropriate valid Canadian licence for the machine.
  3. Conventional skiing / snowboarding only. It is not a condition of cover that You ski or board with a guide, however, You must follow the International Ski Federation code or the resort regulations and We recommend that You do not venture into back country areas without taking local advice and appropriate rescue equipment. Search and rescue costs are not covered.
  4. You must hold a valid SCUBA diving certification (PADI, SSI or BSAC or equivalent) and follow the relevant Club or Association rules and guidelines at all times, or You must only dive under the constant supervision of a properly licensed diving school and follow their rules and instructions at all times.

Special Exclusions

  1. No cover for any competition, racing or national squad training, acrobatics, tricks, stunting, freestyle, aerials or jumps.
  2. No cover for any unaccompanied or solo dive or commercial diving.
  3. No cover for unsupported or solo climbing or solo expeditions, free mountaineering or free soloing, expeditions within the Arctic Circle, the Antarctic or Greenland, activities in inaccessible regions, exploratory expeditions and new routes, high altitude climbing over 6,000 metres, search and rescue operations.
  4. No cover for activities more than 60 miles (52 nautical miles) of a safe haven (a protected body of water used by marine craft for refuge from storms or heavy seas).
  5. No cover for Flight Accident or Travel Accident Coverage as described in Section 3.

V. General Conditions

All of the following conditions apply to all coverage under this Policy including optional coverage purchased.

  1. Your coverage will be declared null and void if, for any reason:
    1. the required Premium is not received by Us; or
    2. You are ineligible for coverage in accordance with any section of this Policy;
  2. If Your health status changes (including a Change in Prescribed Medication or Treatment) after You purchased Your Policy and prior to leaving Your Home Province for any Trip, You must notify Us immediately. At Our sole discretion, We may opt to waive the exclusion that precludes Your unstable Medical Condition from coverage. This would allow You to continue with Your Trip and retain coverage for Your Medical Condition.
  3. Canadian Currency: The benefit, benefit limits and all other amounts expressed in this Policy are expressed in Canadian currency. Where covered losses are billed in foreign currency, the rate of exchange is based on the rate effective on the date when We pay the claim. No sum payable shall bear interest. To facilitate direct payment to Providers, We may elect to pay the claim in the currency of the country where the charges were incurred based on the rate of exchange established by any chartered bank in Canada:
    1. on the last date of service; or
    2. on the date the claim was incurred if a cheque is issued directly to Physicians, Hospitals or other medical Providers.
  4. If You are covered under more than one (1) of Our Policies, or have similar coverage with another insurance company, the total amount paid to or for You will not exceed Your actual expenses and the maximum to which You are entitled is the largest amount specified for that benefit under any one (1) of Our Policies with the exception of the Flight Accident benefit which has a maximum payable of the limits shown in the Schedule Of Benefits if You are covered under more than one (1) of Our Policies providing that benefit.
  5. The coverage outlined in this Policy is last payor only. If, at the time of loss, You have insurance from another source, or if any other party is also responsible, to pay for benefits also provided under this Policy, We will pay eligible expenses only in excess of those covered by that other insurance company or insurance companies or other responsible party or parties, including insurance plans provided through credit cards, third party liability, group or individual basic or extended health insurance plans or contracts including any private or provincial or territorial auto insurance plan, providing Hospital, medical or therapeutic coverage, or any third party liability insurance in force concurrently with this Policy.
  6. In the event of a payment of a claim under this Policy, We have the right to proceed, in Your name, but at Our expense, against third parties who may be responsible for giving rise to a claim under this Policy. You will execute and deliver documents as necessary and co-operate fully with Us so as to allow Us to fully assert Our rights. You will do nothing to prejudice such rights.
  7. We have full rights of subrogation; however, We do not subrogate against any retiree plan benefit if the lifetime maximum limits for all in-country and out-of-country medical benefits is $50,000 or less.
  8. Notwithstanding any provision of this Policy, this Policy is subject to the statutory conditions of the Insurance Act applicable to contracts of Accident and Sickness insurance and the laws and regulations in Your Home Province. The laws and regulations of the province or territory in Canada in which You normally reside govern this Policy and any provision in this Policy which is in conflict with any such statute is hereby amended to conform to such statute.
  9. Policy Certificate: In the event that You are found to be ineligible for coverage or that a claim is found to be invalid or benefits are reduced in accordance with any Policy provision, We have the right to collect from You any amount which We have paid on Your behalf to medical Providers or other parties.
  10. Your Policy will be declared null and void in the case of fraud or attempted fraud by You, or if You conceal or misrepresent any material fact or circumstance concerning this insurance.
  11. During the claims process, We may require You to have a medical examination by one (1) or more Physicians chosen by Us and at Our expense.
  12. We are not responsible for the availability, quality or results of any medical Treatment. We are not responsible for any transportation arranged by Us. We are not responsible for Your failure to obtain medical Treatment.
  13. You must, at all times while You are covered under this Policy, act in a prudent manner so as to minimize costs to Us.
  14. Any reference to age in this document is specific to Your age on the date You purchase for insurance.
  15. The purpose of the Trip is business or pleasure and is not to obtain health care or Treatment of any kind.
  16. The Insurer will not be liable to provide any coverage or make any payment hereunder if to do so would be in violation of any sanctions law or regulation which would expose the Insurer, its parent company or its ultimate controlling entity to any penalty under any sanctions law or regulation;
  17. This Policy will not cover any loss, Injury, damage or legal liability arising directly or indirectly from planned or actual travel in, to, or through Iran, Syria, Sudan, North Korea or the Crimea region.
  18. The coverage provided by this Policy does not apply to risks and claims related to Cuba, as Cuba related risks and claims are not serviced and supported by Our United States affiliates (upon which We rely for service and support), unless such coverage would be permissible under all applicable sanctions

MAXIMUM LIMITS OF LIABILITY

General Liability: Our liability under this Policy is limited solely to the payment of eligible benefits, up to the benefit limits specified herein, for any loss or expense.

VI. General Exclusions

The following exclusions apply to all benefits available under this Policy, including all optional coverage purchased. In addition to any exclusion that applies to a specific benefit outlined within each section, We also do not cover any claim, loss or any expense related in whole or in part, directly or indirectly to:

  1. if You purchase this Policy after departing from Your Home then there will be no coverage for any Injury or Sickness for a period of 48 hours from Your Departure Date.
  2. expenses resulting from any Sickness, Injury or state of health prior to Your Policy Purchase Date that would cause Expected Medical Treatment or Hospitalization during Your Trip;
  3. reimbursement for expenses once the Emergency ends and in the opinion of the attending Physician or dentist, You are able to travel to Your Home Province for any further Treatment relating to the Sickness or Accident that led to the Emergency other than for a Follow-up Visit as listed under the benefits for Emergency Medical and Dental Coverage);
  4. optional Policy extensions: Sickness or Injury which first appeared, was diagnosed or received medical Treatment after Your Start Date and prior to the Effective Date of the optional insurance extension;
  5. any Treatment that is not Emergency Treatment. For example (and not inclusive of):
    1. expenses incurred for medication commonly available without prescription; vaccinations, injections or medication received on a preventative basis or for the maintenance of a Medical Condition; contraceptives; fertility medication; vitamin preparations; general physical examinations; or routine medical tests;
    2. transplants including but not limited to organ transplants or bone marrow transplants, artificial joints, or prosthetic devices/implants including any associated charges;
    3. expenses incurred for acupuncture or naturopathic or holistic Treatment;
  6. ionizing radiation or radioactive Contamination from any nuclear fuel or waste which results from the burning of nuclear fuels, or, the radioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it;
  7. expenses incurred for any portion of benefits that require prior authorization and arrangements by Us if such benefits were not authorized and arranged by Us;
  8. more than one (1) Follow-up Treatment, Recurrence or complication of a Medical Condition or related condition, following Emergency Treatment of that condition during Your Trip if the medical department, determines that You were medically able to return to Your Home Province and You chose not to return;
  9. more than one (1) Follow-up Treatment of any heart or lung condition, following Emergency Treatment for a related or unrelated heart or lung condition during Your Trip if the medical department, determines that You were medically able to return to Your Home Province and You chose not to return;
  10. any Medical Condition, if Our medical department recommends that You return to Your Home Province following Your Emergency Treatment, and You choose not to travel;
  11. expenses incurred for Treatment or services that are prohibited under Your GHIP;
  12. expenses in excess of Reasonable and Customary rates where Treatment has occurred before You or someone on Your behalf has called Us;
  13. any medical expense incurred while travelling in Your Home Province;
  14. routine pre-natal care; a child born during Your Trip; childbirth or complications of childbirth; pregnancy or complications thereof within the nine (9) weeks before or any time after the expected date of delivery;
  15. Your Mental or Emotional Disorders;
  16. Your committing or attempting to commit suicide or intentionally self-inflicted Injury (whether sane or insane);
  17. any alcohol related Sickness, death, or Injury or the abuse of medication, drugs, alcohol or any other toxic substance during the Trip; alcohol abuse includes having a blood alcohol level in excess of 80 milligrams of alcohol per 100 millilitres of blood;
  18. a Trip undertaken in contravention of a Physician’s recommendation or after the manifestation of medical symptoms which would cause an ordinarily prudent person to seek medical advice or Treatment in the 90 days prior to Your Start Date; or where a Terminal Condition prognosis has been diagnosed by any Physician;
  19. a Medical Condition or related condition that arises during a Trip You undertake with the prior knowledge that You will require or seek Treatment or surgery for that Medical Condition or a related condition;
  20. a Medical Condition for which future investigation or Treatment is planned before Your Start Date. This does not include routine monitoring;
  21. the commission of or Your direct or indirect attempt to commit a criminal act or Injury occurring while You are committing or attempting to commit a criminal act;
  22. Your participation as a professional athlete in a sporting event;
  23. operating or learning to operate any aircraft, as pilot or crew; performing employment duties on any aircraft or ship; or performing duties in any regular armed forces service;
  24. expenses incurred if You travel to a country that The Department of Foreign Affairs and International Trade of the Canadian Government or Health Canada has advised travellers not to travel to during the time of Your Trip. This exclusion applies if the advisory is issued prior to Your Start Date;
  25. war (declared or not), acts of foreign enemies or rebellion;
  26. interest on a payment or reimbursement;
  27. death, Sickness or Injury caused or exacerbated by, traceable to, or related to, a Pre-Existing Medical Condition You, Your Immediate Family Member, or Your Travelling Companion has;
  28. A loss that arises directly or indirectly from any Pre-Existing Medical Condition of any other person whose Injury, Sickness, disease or death would cause the cancellation or curtailment of Your Trip;
  29. any search and rescue operations or costs;
  30. any Adventure Sports not listed in the Policy and for which You have not paid the appropriate Premium;
  31. The Insurer will not be liable to provide any coverage or make any payment hereunder if to do so would be in violation of any sanctions law or regulation which would expose the Insurer, its parent company or its ultimate controlling entity to any penalty under any sanctions law or regulation;
  32. This Policy will not cover any loss, Injury, damage or legal liability arising directly or indirectly from planned or actual travel in, to, or through Iran, Syria, Sudan, North Korea or the Crimea region.
  33. The coverage provided by this Policy does not apply to risks and claims related to Cuba, as Cuba related risks and claims are not serviced and supported by Our United States affiliates (upon which We rely for service and support), unless such coverage would be permissible under all applicable sanctions.

VII. Claim Procedures

By paying the Premium for this insurance, You agree that:

  1. We will verify Your GHIP and other information required to process Your claim, with government and other authorities;
  2. Physicians, Hospitals and other medical Providers are authorized by You to provide to Us any and all information they have regarding You, while under observation or Treatment, including Your medical history, diagnoses and test results;
  3. You understand that We may disclose the information available under 1) and 2) above and from other sources to such other persons, as may be required for the purposes of providing assistance about or processing Your claim for benefits; and
  4. failure to complete the required claim form and authorization form in full will delay the processing of Your claim and could invalidate Your claim.
  5. We cannot process Your claim in full until all required documentation has been received by Our claims department.

    All claim information should be sent to:
    Travel Guard Canada
    Attn: Claims Department
    120 Bremner Boulevard, Suite 2200
    Toronto, ON M5J 0A8

Claims can be made through Your World Nomads member’s page at: https://www.worldnomads.com/travel-insurance-claims or by calling Travel Guard and requesting a claim form. Please note: For claims purposes, evidence of the value of the property insured or the amount of any loss must be kept.

To Claim For Emergency Medical and Dental Benefits:

You must notify Us at 1 866 878 0192 or collect at +1 416 646 3723 prior to any Emergency Medical Treatment, Evacuation or Repatriation and prior to any surgery, invasive procedure or Hospitalization. Our assistance co-ordinators will provide guidance. We will make every effort, although We cannot guarantee, to pay Providers directly. You must provide Us with original receipts for incurred expenses including those for Subsistence Allowance expenses.

To Claim For Trip Cancellation, Interruption and Delay Benefits:

You must notify Us immediately of a cancellation, interruption or delay no later than the next business day following a cancellation, interruption or delay.

You must provide:

  1. proof of all non-refundable, prepaid deposits or payments;
  2. completed documentation if a Medical Condition was the cause for cancellation;
  3. complete unused transportation tickets and vouchers;
  4. original receipts for Subsistence Allowance expenses;
  5. original receipts for new tickets;
  6. reports from police or local authorities documenting the missed connection or travel delay; and
  7. invoices and original receipts from travel service providers.

To Claim For Baggage, Personal Effects and Sporting Equipment Benefits:

You must notify Us immediately of the theft or damage to Baggage or Personal Effects. You must also report the theft or damage to police, local or conveyance authorities, tour operator representatives, the hotel manager or official transportation representative and obtain a written report.

When filing Your claim You must submit:

  1. a letter of coverage or denial from the transportation carrier;
  2. the written report regarding the theft or damage;
  3. original receipts or sales slips for all lost or stolen articles over $149.99 Canadian per item claimed and proof that You owned the articles; and
  4. original receipts or sales slips for all items claimed under Baggage and Personal Effects Coverage.

Failure to submit the written report to Us with Your claim will place Your claim on hold until the report(s) is received.

WNCAN 17012017 v2.2