Ct 222170 p1-p6 0812_444170 web

PRIVACY PRINCIPLES
TABLE OF CONTENTS
We abide by these Privacy Principles and want You, Warning: This Policy Includes Restricted Benefits . . . . . .3 Our policyholders, insureds and claimants (referred Important Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 to as “Customers” or “You”), to be aware of howand why We handle personal information. We work Summary of Benefits for the Visitors To Canada hard to respect and maintain Your privacy.
Emergency Medical Plan . . . . . . . . . . . . . . . . . . . . . . . .4 However, the very nature of Our business is such II. Specific Details of Your Insurance . . . . . . . . . . . . . . . .5 that the collection, use and disclosure of personalinformation are fundamental to the products and III. Emergency Medical Coverage . . . . . . . . . . . . . . . . . . . .7 IV. Accidental Death and Dismemberment Coverage .12 These Privacy Principles apply only to the product V. Features and Services To Serve You Better . . . . . . .14 or service Our Customers have obtained or the VI. General Conditions . . . . . . . . . . . . . . . . . . . . . . . . . . . .14 insurance Policy under which the Customer is VII. Maximum Limits of Liability . . . . . . . . . . . . . . . . . . . . .16 seeking or receiving benefits. As a worldwide leaderin the delivery of insurance products and services, VIII.General Exclusions . . . . . . . . . . . . . . . . . . . . . . . . . . . . .16 the member companies of Chartis Inc. offer numerous products and services to many types ofconsumers and clients in many different countries Customer Service Inquiries . . . . . . . . . . . . . . . . . . . . . . . . . . .18 around the world. Therefore, differing Chartis Inc.
X. Definitions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19 companies may adopt differing privacy practices tofit their own jurisdiction and businessrequirements. The Global Privacy Notice, locatedat www.travelguard.ca, may also be applicable toOur Customers as We conduct Our business.
For the purposes of these Privacy Principlespersonal information means information thatidentifies an individual. For example: an individual’sname, birth date, address, age, health and financialinformation is personal information which We maycollect, use and in certain circumstances, wherenecessary, disclose, in the course of providinginsurance services and carrying on business.
Personal information does not include the name,business title, address, phone or fax number of anemployee of an organization.
These Privacy Principles may be modified from timeto time. An individual may obtain Our most up to Visitors to Canada Plan
date version located at www.travelguard.ca or bycontacting Us at: The Privacy OfficerC/o Chartis Insurance Company of Canada145 Wellington Street WestToronto, Ontario M5J 1H81-800-387-4481 Your world, insured
WARNING: THIS POLICY
contact Us at 1-866-878-0191. You should bring all of these II. Specific Details of Your Insurance
INCLUDES RESTRICTED BENEFITS
AM I ELIGIBLE?
Despite any other provision contained in the contract, the 1. This Policy covers losses resulting from unforeseeable and To be eligible to purchase Our Visitors To Canada Emergency contract is subject to the statutory conditions in the Insurance Act respecting contracts of accident and sickness insurance.
2. If You purchase this Policy after arriving in Canada, then there coverage under this plan, You must be planning to be in will be no coverage for Sickness or illness for a period of 48 Canada for over 50% of Your Trip away from Your Departure I. Summary of Benefits for the Visitors to Canada
hours from Your Start Date. Coverage for expenses incurred as Emergency Medical Plan
a result of an Accident is not subject to this limitation.
3. A Pre-existing Condition exclusion applies to Medical The following chart summarizes the benefits provided 2. have a Canadian work visa or student visa; or Conditions and/or symptoms that existed prior to under Our Visitors to Canada Emergency Medical Plan.
travel. There may be no coverage if You have a This chart is a summary only. You should refer to the 4. be a Canadian not covered by GHIP; and actual benefit provisions of the Policy document as those 5. be older than one (1) month and less than or equal to 4. You must contact Us before seeking medical attention and a are the provisions that apply when determining if a claim 84 years of age on Your Policy Purchase Date.
failure to call will result in Your being responsible for 30% of any eligible expenses incurred unless Your Medical Conditionprevents You from calling, in which case You must call as soonas medically possible or have someone call on Your behalf. HOW DO I BECOME INSURED?
Coverage & Benefits
5. Our medical advisors must approve and arrange all surgery and Coverage under this Policy will not come into effect until all heart procedures, (including, but not limited to, heart Emergency Medical
of the following conditions have been satisfied: catheterization), in advance and a failure to call will result in 1. Your name appears on the Confirmation of Coverage; Your being responsible not only for the amount of Your 2. You have paid the required Premium on or before Your deductible, if applicable, but also for 30% of any eligible expenses incurred unless Your Medical Condition prevents You 3. You have purchased Your insurance prior to or on the from calling, in which case You must call as soon as medically same day as Your departure date. If You purchase this possible or have someone call on Your behalf. Policy after arriving in Canada, then there will be no 6. If You choose not to receive Treatment or services from a coverage for Sickness or illness for a period of 48 hours Provider, as directed by Us, You will not only be responsible for the amount of Your deductible, if applicable, but also for 30% of 4. You have not purchased more than 365 days prior to 7. Your Emergency Medical and Dental Coverage is 5. Plan #1 and Plan#2 You will be travelling for a maximum subject to an aggregate limit of $25,000 CAD, $50,000 CAD, or$150,000 CAD depending on the plan You choose. of 365 days if You are between the ages of one (1) month 8. There are limits, limitations and exclusions that apply to all and less than or equal to 84 years of age on Your Policy 9. The coverage provided by this Policy shall be null and void for 6. Plan #3 You will be travelling for 365 days or less if You travel in, to, or through Cuba, because such travel is not are less than or equal to 74 years of age on Your Policy serviced and supported by the Insurer’s United States WHEN DOES MY INSURANCE START AND END?
Unless otherwise stated in the provision pertaining to a IMPORTANT INFORMATION
specific benefit, Your insurance starts on the latest of: This Policy covers losses arising from sudden, unexpected and Travel Accident
1. if the Policy is purchased before You arrive in Canada: unforeseeable circumstances only. Some words have very specific the date of Your arrival in Canada as shown on Your meanings that are set out in the Definitions Section. These words appear capitalized in this Policy document when the Policy 2. if the Policy is purchased after You arrive in Canada: 48 hours after the date of Your insurance on Your Along with this Policy document, You should have received a Confirmation of Coverage in the case of a Medical document called a Confirmation of Coverage. The Confirmation Condition or immediately in the case of an Accidental of Coverage sets out details specific to the plan 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 *The aggregate limit for Emergency Accident and Sickness 1. 11:59 pm on Your scheduled Return Date; contained in these documents is incorrect, or if You have benefits is $25,000 for Plan 1; $50,000 for Plan 2; and $150,000 questions regarding Your coverage, it is Your responsibility to 3. 11:59 pm on the date You return to Your Departure Point, III. Emergency Medical Coverage
Benefit Limit: Plan 1: $5,000 limit; Plan 2: $5,000 limit; Plan
This section sets out the Emergency medical benefits which • An extension of coverage under the Automatic are covered under Our Visitors To Canada Emergency Medical Extension of Coverage provision of this Policy; or 3. Emergency Return to Home
• An Optional Policy Extension in accordance with the If Your attending Physician recommends to Us in writing Your A. Benefits –
Optional Policy Extension provision of this Policy; return to Your departure point because of Your Medical Emergency Medical Coverage for Injury and Sickness
In which case Your insurance ends on the earliest of: Condition or if our medical advisors determine that You are If You incur expenses due to a covered risk, on or after Your 1. The date You return to Your Departure Point; or able to and recommend You return after Your Emergency Start Date and prior to or on Your Expiry Date, while You are 2. The later of the expiry of the Automatic Extension of Medical Treatment, and if approved in advance by Us, We on a Trip, We provide coverage for the following benefits up Coverage or any Optional Policy Extension, if cover, via the most cost effective itinerary, one or more of: to the specific benefit limits set out below. a. Up to the cost of a one-way economy airfare to return You will be responsible to pay the deductible, if applicable, UNDER WHAT CIRCUMSTANCES
b. the fare for additional airline seats to accommodate a before We pay any benefit under this Emergency Medical CAN MY POLICY EXTEND?
stretcher to return You to Your Home Province; or Coverage. You will have to pay the amount of Your deductible Automatic Extension of Coverage
c. the fare for an upgrade to business class when a stretcher directly to the Provider before We make any benefit payment If You are Hospitalized on Your scheduled Return Date Your is not required to return You to Your Home Province; or coverage will automatically be extended at no additional d. where medically necessary, medical air evacuation to a premium for the period of Hospitalization and up to 120 Hospital in Your Home Province, when the attending Benefit limits are for each Insured under this Policy. We do hours after discharge. If You have a Medical Condition Physician or the medical department recommends that not pay more than the benefit limit. Emergency medical rendering You medically unable to travel on Your You be so transported for the purpose of obtaining coverage is subject to the following aggregate limits by plan: scheduled Return Date, but You are not Hospitalized, Your Plan 1: $25,000; Plan 2: $50,000; Plan 3: $150,000. coverage will be automatically extended for up to 120 hours e. the cost of round-Trip airfare via the most cost-effective after Your scheduled Return Date. In addition, itinerary for a qualified medical attendant to accompany Covered Risks and Benefits for Plans 1-3: Expenses incurred
coverage will automatically be extended for up to 72 hours You, and the attendant’s reasonable fees and expenses, if as a consequence of an Emergency and resulting from Injury, when there is a delay of a common carrier on which You are this is medically necessary or required by the airline. Sickness or death occurring on a Trip.
Benefit Limit: Plan 1: $5,000 limit; Plan 2: $5,000 limit; Plan
1. Eligible Emergency Medical Expenses
Optional Policy Extension
If prescribed by a Physician and pre-authorized by Us, We If You choose to extend Your Trip beyond Your scheduled 4. Return of Remains
Return Date and you have not made a claim nor is there a. The cost of care received from a Physician in or out of a If You die during Your Trip We cover reasonable expenses reason to claim, You may apply for a Policy extension subject a. Reasonable transportation costs (using customary airline 1. the request for an extension must be made and c. The cost of rental or purchase (whichever is less) of a procedures) to return Your remains to Your Departure approved by Us prior to Your original Return Date; Point plus up to $3,000 for the preparation of Your 2. You must pay the required additional Premium before d. The cost of wheelchair, brace, crutch or other b. Reasonable transportation costs (using customary e. The cost of tests that are needed to diagnose Your airline procedures) to return Your remains to Your 3. You must have been eligible for the insurance that You departure point plus up to $2,000 for the cremation of seek to extend at the time of Your original booking and f. The cost of Prescription Medication; and Your remains and the cost of a standard burial urn at the at the time of the request for the extension.
g. The services of a licensed private duty nurse while You c. Up to $3,000 for the preparation of Your remains and the CAN MY PREMIUM BE REFUNDED?
Benefit Limit: Plan 1: $25,000; Plan 2: $50,000; Plan 3:
cost of a standard burial container plus up to $2,000 for Refunds are available up to Your Start Date or if You have a the burial of Your remains at the location where Your minimum of three (3) unused days of coverage. Please call 1- 2. Ambulance
866-878-0191. No refund of premium will be made in the Benefit Limit: As described above per Insured.
event that a claim has been paid, incurred or reported under Further, if someone is legally required to identify Your body a. The cost of local ground ambulance service to a medical this Policy. Refund requests must be substantiated with because You have died while on a Trip, We cover: service Provider if medically required; or original receipts showing dates of travel.
b. Taxi fare instead of ambulance transportation, where an ambulance is medically required but not available. d. The cost of a return economy airfare on a commercial b. A Subsistence Allowance for such person’s hotel and consequence of an Emergency and ordered by a flight or charter via the most cost effective itinerary to meals (receipts must be submitted) up to the benefit transport someone to identify Your body; e. A Subsistence Allowance up to $500 per deceased c. Coverage for such person under this Policy, subject to all C. Limitations –
Insured for commercial accommodations and meals for of its terms, conditions, limitations and Emergency Medical and Dental Coverage
that person (receipts must be submitted); and Our liability under this Policy for expenses under Emergency f. We cover that person under the terms of this For an Insured who is a Dependent Child or if You are Medical Coverage is limited as follows.
insurance during the period in which he/she is required mentally or physically disabled, a bedside companion is 1. A failure to contact Us before seeking medical available immediately upon Hospital admission. attention will result in Your being responsible not only Benefit Limit: Subsistence Allowance – $300 per Insured.
for the amount of Your deductible, if applicable, but also Benefit Limit: Plan 1: $5,000 aggregate limit; Plan 2: $5,000
for 30% of any eligible expenses incurred unless Your aggregate limit; Plan 3: no aggregate benefit limit. 8. Emergency Dental Coverage - Plan 3 Only
Medical Condition prevents You from calling, in which We cover expenses You incur during Your Trip for care case You must call as soon as medically possible or have 5. Emergency Professional Services
ordered, prescribed or received from a licensed dentist if You need Emergency Dental Treatment during Your Trip and We 2. A failure to call and receive the approval of Our medical a. Expenses resulting from an Emergency for services from cover the expenses You incur for Prescription Medication as a a licensed physiotherapist, chiropractor, chiropodist, procedures, (including, but not limited to heart podiatrist or osteopath, if ordered by a Physician, up to Benefit Limit: $250 and the complete cost of prescription
catheterization) will result in Your being responsible not only for the amount of Your deductible, if applicable, but Benefit Limit: $250 per profession per Insured.
also for 30% of any eligible expenses incurred unless B. Conditions – Emergency Medical Coverage
Your Medical Condition prevents You from calling, in Additional Covered Risks 6 to 8 for Plan 3 Only: Expenses
which case You must call as soon as medically possible All of the conditions set out in the General Conditions section incurred as a consequence of an Emergency and resulting or have someone call on Your behalf.
of this Policy and all of the following conditions must be from Injury, Sickness or death occurring on a Trip. 3. If You purchase this Policy after arriving in Canada then satisfied before a benefit is payable for there will be no coverage for illness for a period of 48 6. Meals and Accommodation - Plan 3 Only
hours from Your Start Date. Coverage for expenses 1. You must not know of any reason why You will need to If a medical Emergency prevents You or Your travel incurred as a result of an Accident is not subject to this seek medical or dental attention before You leave on a companion from returning to Your Departure Point of Your Insured Trip or if Your Emergency Medical Treatment or that 2. The portion of the expenses claimed are not of Your Travel Companion requires Your transfer to a location D. Exclusions – Emergency Medical Coverage
covered by any other insurance or reimbursement plan; that is different from Your original destination or You or Your 3. You must contact Us before seeking medical These exclusions apply to the Emergency Medical Coverage.
Travel Companion are delayed beyond Your scheduled Return The additional exclusions set out in the General Exclusions Date in order to obtain Emergency Medical Treatment, We 4. Our medical advisors must approve and arrange all surgery and heart procedures, including heart a. A Subsistence Allowance of up to $250 per day up to the There are two possible exclusion identifiers which can apply benefit limit for expenses for meals, hotels, phone calls to Your Policy depending on Your age when Your insurance 5. If You choose not to receive Treatment or services from and taxis if You have actually paid for them (receipts starts. These two identifiers are ME#1 and ME#2. the Provider, as directed by Us, You will be responsible not only for the amount of Your deductible, if applicable, Benefit Limit: $1,500 per Insured. This benefit must be pre-
Age when Your insurance starts
Medical Exclusion
but also for 30% of any eligible expenses incurred; 6. You must return to Your Departure Point prior to any Treatment or following Emergency Treatment or 7. Bedside Companion Travel and Subsistence - Plan 3 Only
Hospitalization if, on medical evidence, You are able to If You are travelling alone and are admitted to a Hospital for return to Your Departure Point without endangering three (3) days or more, We cover, until You are Pre-Existing Condition
Your health and if, in these circumstances, You elect not medically fit to return to Your Departure Point: Medical Exclusion for Identifier ME#1
to return to Your Departure Point, then any expenses a. The economy/charter class fare via the most If Your exclusion identifier is ME#1 Your Emergency Medical incurred for continuing medical Treatment or surgery cost-effective itinerary for the round-Trip flight and Dental Coverage is subject to all of the with respect to such Emergency will not be covered AND exclusions set out in the General Exclusions Section of this all coverage and benefits under this Policy will cease; 7. The Emergency medical attention You receive must be ME#1. We do not cover any loss or expense related directly outside of Your Departure Point and be required as a a. Your Medical Condition or any related condition if in the You do not have accidental death and dismemberment 2. Hang-gliding, parachuting, bungee jumping or 90-day period immediately preceding Your Start Date that condition has not been Stable and Controlled.
b. Your heart condition if in the 90-day period A. Benefits –
V. Features and Service to Serve You Better
Accidental Death and Dismemberment Coverage
24/7 Worldwide Emergency Assistance 1-866-878-0192 or
i. You have had any heart condition that has not been You are covered in the event of an Accident sustained collect at 416-646-3723
during a Trip due to one of the following covered risks for ii.You have been required to use, take, or been Accidental death or Accidental bodily Injury for the Our emergency assistance coordinators, doctors and nurses prescribed to take nitroglycerin in any form, more benefits set out below. The total benefits payable for one or can help You anywhere in the world, anytime of day. more Accidents will not exceed $40,000.
c. Your lung condition if in the 90-day period VI. General Conditions
Covered Risk 1
All of the following conditions apply to all coverage under i. You have had any lung condition that has not been Bodily Injury is sustained due to an Accident occurring on or after the date Your insurance starts and on or before the date 1. Your coverage will be declared null and void if, for any ii. You required the use of home oxygen or had to take Your insurance ends and while You are on a Trip and as a result, within the 12 months immediately following the a. The required premium is not received by Us; or b. You are ineligible for coverage in accordance with any Pre-Existing Condition
2. Canadian Currency: All benefits, benefit limits and all Medical Exclusion for Identifier ME#2
3. Have two of Your limbs fully severed above Your wrist or other amounts expressed in this Policy are expressed in If Your exclusion identifier is ME#2 Your Emergency Medical Canadian currency. Where covered losses are billed in and Dental Coverage is subject to all of the 4. Suffer complete and irrecoverable loss of speech or loss foreign currency, the rate of exchange is based on the exclusions set out in the General Exclusions Section of this rate effective on the date when We pay the claim. No Benefits for Covered Risk 1: $40,000
sum payable shall bear interest. To facilitate direct ME#2. We do not cover any loss or expense related directly Please note: If Your body is not found within 12 months of the payment to providers, We may elect to pay the claim in Accident, We will presume that You died as a result of Your the currency of the country where the charges were a. Any Medical Condition for which You have taken incurred based on the rate of exchange established by medication, been prescribed medication, received Treatment, experienced a deterioration of the condition Covered Risk 2
or had cause to seek Treatment at any time within the Bodily Injury is sustained due to an Accident occurring on or b. On the date the claim was incurred if a cheque is 180-day period immediately preceding and including after the date Your insurance starts and on or before the date issued directly to physicians, Hospitals or other medical Your Start Date and this exclusion applies whether or Your insurance ends and while You are on a Trip and as a not the condition has been Stable and Controlled; result, within the 12 months immediately following the 3. If You are covered under more than one of Our b. Your heart condition if in the 180-day period Policies, or have similar coverage with another insurance immediately preceding Your Start Date You have taken company, the total amount paid to or for You will not medication, been prescribed medication, received 2. Have one of Your limbs fully severed above a wrist or exceed Your actual expenses and the maximum to which Treatment, experienced a deterioration of the condition You are entitled is the largest amount specified for that or had cause to seek Treatment for any heart condition; Benefits for Covered Risk 2: $20,000
4. The coverage outlined in this Policy is last payor only. If, c. Your lung condition if in the 180-day period immediately B. Exclusions –
at the time of loss, You have insurance from another preceding Your Start Date You have taken medication, Accidental Death and Dismemberment
source, or if any other party is also responsible, to pay been prescribed medication, received Treatment, These exclusions apply to the Accidental Death and for benefits also provided under this Policy, We will pay experienced a deterioration of the condition or had Dismemberment Coverage. The additional exclusions set out eligible expenses only in excess of those covered by that cause to seek Treatment for any lung condition. in the General Exclusions Section of this Policy also apply. other insurance company or insurance companies orother responsible party or parties, including insurance IV. Accidental Death
We do not cover any claim related in whole or in part, directly plans provided through credit cards, third party liability, and Dismemberment Coverage
group or individual basic or extended health insurance 1. A disease, even if the proximate cause of its Accidental death and dismemberment coverage applies to plans or contracts including any private or provincial or activation or reactivation is the Accidental bodily Injury; You if You purchased Plan 3. If You purchased any other plan territorial auto insurance plan, providing Hospital, medical or therapeutic coverage, or any third party VII. Maximum Limits of Liability
medically able to return to Your Departure Point and liability insurance in force concurrently with this Policy. General Liability: Our liability under this Policy is limited 5. In the event of a payment of a claim under this 7. Expenses incurred for Treatment or services that are solely to the payment of eligible benefits, up to the Policy, We have the right to proceed, in Your name, but prohibited under a government health insurance plan; benefit limits specified herein, for any loss or expense. at Our expense, against third parties who may be 8. Expenses in excess of reasonable and customary rates responsible for giving rise to a claim under this Policy.
where Treatment has occurred before You or someone VIII. General Exclusions
You will execute and deliver documents as necessary The following exclusions apply to all benefits available under and co-operate fully with Us so as to allow Us to fully 9. Treatment or surgery for a condition or related this Policy, including all optional coverage. In assert Our rights. You will do nothing to prejudice such condition that had caused Your Physician to advise You addition to any exclusions that apply to specific benefits outlined within each section, We also do not cover any claim, 10. Any medical expense incurred while travelling in the loss or any expense related in whole or in part, directly or 7. Notwithstanding any provision of this Policy, this Policy is subject to the statutory conditions of the Insurance 11. Any Medical Condition, if Our medical advisors 1. Expenses resulting from any Sickness, Injury or state of Act applicable to contracts of Accident and Sickness recommend that You return to Your country of health prior to Your Policy Purchase Date that would insurance and the laws and regulations in Ontario. The residence following Your Emergency Treatment, and You cause Expected Medical Treatment or Hospitalization laws and regulations of Ontario govern this Policy and any provision in this Policy which is in conflict with any 12. Routine pre-natal care; a child born during Your Trip; 2. Any Treatment that is not Emergency Treatment. For such statute is hereby amended to conform to such childbirth or complications of childbirth; pregnancy or complications thereof within the nine (9) weeks before a. Expenses incurred for medication commonly 8. The maximum period of coverage under this Policy shall available without prescription; vaccinations, not exceed 12 months. Benefits only apply outside Your home country. No coverage will be provided to or for preventative basis or for the maintenance of a anyone not named on the Confirmation of Coverage. 14. Your committing or attempting to commit suicide or Medical Condition; contraceptives; fertility 9. In the event that You are found to be ineligible for intentionally self-inflicted Injury (whether sane or medication; vitamin preparations; general coverage or that a claim is found to be invalid or benefits physical examinations; or routine medical tests; are reduced in accordance with any Policy provision, We 15. Your chronic use or abuse (prior to or during Your Trip) b. Transplants including but not limited to organ have the right to collect from You any amount which We of medication, drug or alcohol or deliberate non- have paid on Your behalf to medical providers or other compliance with prescribed medical therapy or artificial joints, or prosthetic devises/implants 10. Your Policy will be declared null and void in the case of 16. A Trip undertaken in contravention of a Physician’s fraud or attempted fraud by You, or if You conceal or recommendation or after the manifestation of misrepresent any material fact or circumstance medical symptoms which would cause an ordinarily 3. Ionizing radiation or radioactive Contamination from any prudent person to seek medical advice or Treatment in nuclear fuel or waste which results from the burning of 11. During the claims process, We may require You to have the 90 days prior to Your Start Date; or where a terminal nuclear fuels, or, the radioactive, toxic, explosive or condition prognosis has been diagnosed by any other dangerous properties of nuclear machinery or any physicians chosen by Us and at Our expense. 12. We are not responsible for the availability, quality or 17. A Medical Condition or related condition that arises 4. Expenses incurred for any portion of benefits that results of any medical Treatment. We are not during a Trip You undertake with the prior knowledge require prior authorization and arrangements by Us if responsible for any transportation arranged by Us. We that You will require or seek Treatment or surgery for such benefits were not authorized and arranged by Us; are not responsible for Your failure to obtain medical that Medical Condition or a related condition; 5. The Follow-up Treatment, Recurrence or complication of 18. A Medical Condition for which future investigation or a Medical Condition or related condition, following 13. You must, at all times while You are covered under this Treatment is planned before Your Start Date. This does Emergency Treatment of that condition during Your Trip Policy, act in a prudent manner so as to minimize costs if the medical advisors, or We, determine that You were 19. The commission of or Your direct or indirect attempt to medically able to return to Your Departure Point and 14. The coverage provided by this Policy shall be null and commit a criminal act or Injury occurring while You are void for travel in, to, or through Cuba, because such committing or attempting to commit a criminal act; 6. The Follow-up Treatment of any heart or lung condition, travel is not serviced and supported by the Insurer’s 20. Your participation in rock or Mountain Climbing; following Emergency Treatment for a related or participation in a motorized race or motorized speed unrelated heart or lung condition during Your Trip if the contest; Your participation as a professional athlete in a medical advisors, or We, determine that You were 21. Operating or learning to operate any aircraft, as pilot or guidance. We will make every effort, although We cannot Emergency Medical Treatment: Medically necessary
crew; performing employment duties on any aircraft or guarantee, to pay providers directly. You must provide Us services or supplies provided during a Trip by a licensed ship; or performing duties in any armed forces service; with receipts for incurred expenses including those for Physician, Hospital or other licensed Provider, that are 22. Expenses incurred if You travel to a country that required to treat any Injury or Sickness or other sudden, acute The Department of Foreign Affairs and International and unexpected condition that arose during the Trip, and that Trade of the Canadian Government or Health Canada cannot be reasonably delayed until You return to Your X. Definitions
Departure Point without endangering Your health. We attach very specific meanings to the following words when Expected Medical Treatment: Medical Consultation or
they appear in this Policy. We have capitalized these words when 23. Expenses incurred relating to travel in, to, or through Hospitalization that Your prior medical history indicates as Cuba, because such travel is not serviced and supported Accident/Accidental: A sudden, unexpected, unintended,
by the Insurer’s United States affiliates; Expiry Date: The first to occur of:
unforeseeable, external event, occurring during an Insured 24. Expenses arising from or related to a congenital defect if • The date You return to Your Departure Point; or Trip, that independently of any other cause, results in Injury. • the Return Date as shown on Your most recent Accidental Death and Dismemberment (AD&D): Accidental
25. War (declared or not), acts of foreign enemies or Confirmation of Coverage; unless there has been an death meaning bodily Injury caused by an Accident which Automatic Extension of Coverage or an Optional Policy results in death if the Injury, Accident and death occur while 26. Interest on a payment or reimbursement.
Extension in which case the Expiry Date is the first to You are on a Trip. Accidental dismemberment meaning one of (i) the actual severance of a limb above Your ankle or wrist IX. Claim Procedures and
• The date You return to Your Departure Point; or joint; or (ii) the complete loss of eyesight in both eyes and/or Customer Service Inquiries
• The end of any extension of coverage determined in accordance with the Automatic Extension of Coverage By paying the premium for this insurance, You agree that: Application: Computer printout, printed form, invoice, or
Section of this Policy or the Optional Policy Extension 1. We may verify Your health card number and other document in either electronic or paper form which is a record information required to process Your claim, with of the personal and Trip information You provided in order to Follow-up Treatment: Treatment that continues beyond the
2. Physicians, Hospitals and other medical providers are Confirmation of Coverage: Your most recent computer
Government Health Insurance Plan (GHIP): Health insurance
authorized by You to provide to Us any and all printout, printed form, electronic copy, invoice, or Policy coverage that Canadian provincial or territorial governments information they have regarding You, while under document that sets out the product You have purchased and observation or Treatment, including Your medical any optional add on coverage, if any, You have chosen. Home Province: Your Canadian province or territory of
history, diagnoses and test results; and Contamination: The act or process of rendering
3. We may disclose the information available under 1) and something harmful or unsuitable to people by nuclear and/or Hospital: A medical facility which is legally accredited to
2) above and from other sources to such other persons, chemical and/or biological substances causing provide medical, diagnostic and surgical Treatment to as may be required for the purposes of providing in-patients during the acute phase of their Sickness or Injury, assistance about or processing Your claim for benefits. Departure Point: Your place of ordinary residence or country
which is primarily engaged in the aforesaid of origin shown on Your Confirmation of Coverage.
activities and which operates under the supervision of a staff If making a claim, You must notify Us as soon as possible in Dependent Child and/or Dependent Children: Unmarried
of physicians and has a registered nurse continuously on duty.
order for Us to provide You with a claim form specific to Your persons who are Your natural, adopted or step children, A Hospital does not mean an institution licensed as a home loss. Failure to do this could invalidate Your claim. You have dependent on You for support and care and who are for the aged, rest home, nursing home, convalescent 90 days from Your Return Date to file Your claim with Us. To travelling on the same itinerary as You are AND i) under 21 Hospital, health spa, rehabilitation centre or Treatment report a claim or to request a claim form call 1-866-878-0191.
years of age; OR ii) full time students under 26 years of age; facility for drug or alcohol abuse and/or addiction. Failure to complete the required claim and authorization form OR iii) mentally or physically incapable of self support. Hospitalization or Hospitalized: The state of being
in full will delay the processing of and could invalidate Your Emergency: An unforeseen occurrence of symptoms of
admitted to a Hospital and receiving Emergency Medical claim. All claim information should be sent to Us at: Sickness, or of Injury, that occurs during a Trip, which requires immediate Treatment from a Physician or that requires Immediate Family Member: Any one or more of Your
Hospitalization, failing which there could be a serious Spouse, natural, step, or adopted children, persons for whom 145 Wellington Street West, Toronto, ON M5J 1H8 You are the legal guardian, parents, parents-in-law, step- Emergency Dental Treatment: Immediate and medically
parents, sisters, brothers, sisters/brothers-in-law, step- To Claim For Emergency Medical Benefits:
necessary dental services or supplies provided by a licensed sisters/brothers, grandparents, grandchildren, aunts, uncles, You must notify Us at 1-866-878-0192 or collect at registered dentist, Hospital, or other licensed Provider, that is 416-646-3723 prior to any Emergency Medical Treatment and the result of an acute and unexpected condition that arose prior to any surgery, invasive procedure or Hospitalization. Our assistance co-ordinators will provide Injury: A bodily Injury sustained during a Trip, which is
by a Physician or for which Treatment was previously Important Travel Tips
caused, directly and independently of all other causes, by an Return Date: Either the date of Your scheduled return to Your
To help You prepare for Your long-awaited, much- Insured: The person named as the ‘primary traveller’ and/or
Departure Point as indicated on Your most recent deserved, vacation, here are some helpful hints.
one or more other person(s), if any, named as ’other travellers’ Confirmation of Coverage or the date of Your actual return to on the Confirmation of Coverage, each as the context a Take a carry-on with Your important travel Sickness: An acute illness or unforeseen disease requiring
Insurer: Means Chartis Insurance Company of Canada, 145
Emergency Medical Treatment, Emergency Dental Treatment Wellington Street West, Toronto, ON, M5J 1H8. this Policy is or Hospitalization due to the sudden onset of symptoms.
administered on Our behalf by Travel Guard Canada.
Spouse: The person legally married to You, or if there is no
a Make sure Your family or close friend knows Medical Condition: An Injury or Sickness, including but not
such person, the person who has been living with You in a limited to disease, acute psychoses, and complications of conjugal relationship for at least one year. pregnancy occurring within the first 31 weeks. Stable and Controlled: Any Medical Condition for which
Medical Consultation: Any investigative medical service,
there has been no new Treatment or newly prescribed Assistance Card below and carry it with You at including history-taking, examination, testing, advice, or medication; no change in Treatment or change in Treatment by a Physician for a symptom, Sickness, illness, or prescribed medication; no new, more frequent or more severe disease that may or may not have been definitively symptom; no test results showing deterioration; no a Make a list of all identification, credit card numbers and corresponding customer service investigations initiated for symptoms whether or not Your telephone numbers. Leave a copy at home.
Mental or Emotional Disorders: Emotional or anxiety states,
diagnosis has been determined; no Hospitalization and no situational crisis, anxiety or panic attacks, or other mental a Make sure You have a passport – it’s the best health disorders treated with tranquilizers or Start Date: The date shown on Your most recent
Confirmation of Coverage as the “Start Date”. Mountain Climbing: The ascent or descent of a mountain
Subsistence Allowance: Expenses incurred as a result of Your
a Make sure Your passport is valid for six requiring the use of specialized equipment, including but not Emergency, including accommodation, meals, and essential limited to pick-axes, anchors, bolts, crampons, a Put bag tags on Your luggage and inside each carabineers, and lead or top-rope anchoring equipment.
Travel Companion: The person with whom You are sharing
Physician: A medical doctor, other than Yourself, Your
travel arrangements and prepaid accommodation (to a Immediate Family Member, Your Travel Companion or their maximum of 3 people) in respect of a Trip. a You may be required to fill out customs forms.
Immediate Family Member, who is licensed to administer Treatment: A medical, therapeutic or diagnostic procedure
medical Treatment and prescribe drugs in the place where he prescribed, performed or recommended by a licensed a You may need extra cash to pay any aiport or she provides medical services. The following are not Physician, including but not limited to Prescription considered to be physicians: naturopath, herbalist, and Medication, investigative testing, and surgery. Trip: Your travel outside Your Departure Point for which
Policy or Policies: This document, any riders or
coverage under this Policy has been purchased and is in endorsements to this document, the Application, and the Confirmation of Coverage all of which form the entire We, Us, Our: Chartis Insurance Company of Canada, 145
Wellington Street West, Toronto, ON, M5J 1H8. This Policy is Policy Purchase Date: The date You pay for specific
administered on Our behalf by Travel Guard Canada.
You, Yourself, Your: The person named as the ‘primary
Premium: The cost of Your Visitors To Canada Emergency
traveller’ and/or one or more other person(s), if any, named as 24-HOUR EMERGENCY ASSISTANCE
’other travellers’ on the Confirmation of Coverage, each as Prescription Medication: A drug, medicine or medication
You must notify Us prior to any Emergency Medical only obtainable by the prescription of a licensed Physician or Treatment and prior to any surgery, invasive procedure dentist due to a medical Emergency, and dispensed by a or Hospitalization. Failure to do so will result in Your being responsible for 30% of any eligible expenses Provider: The Hospitals, clinics, physicians, and other
medical service providers, the use of which must be approvedby Us at the time of the Emergency. Canada and Continental USA: 1-866-878-0192
Recurrence: The appearance of symptoms caused by or
International: 416-646-3723 (collect)
related to a Medical Condition that was previously diagnosed

Source: http://www.visitorsinsurance.ca/pdf/travel_guard_visitors_policy.pdf