Don’t forget your
Wallet Card!
IN EVENT OF AN EMERGENCY, CALL:
1 800 211-9093
toll-free from the USA and Canada
+1 (519) 251-7821
to Canada collect from anywhere else in the world
NAME
CERTIFICATE OF INSURANCE #
IN EVENT OF AN EMERGENCY, CALL:
1 800 211-9093
toll-free from the USA and Canada
+1 (519) 251-7821
to Canada collect from anywhere else in the world
NAME
CERTIFICATE OF INSURANCE #
This policy is underwritten by The Manufacturers
Life Insurance Company and First North American
Insurance Company, a wholly owned subsidiary
of Manulife Financial.
Travel Certificate of Insurance
EFFECTIVE JUNE 2012
1
If you need medical attention or must make any other type
of claim during your trip, call us for assistance first. The
Assistance Centre is open 24 hours a day, 365 days a year.
Please note that if you do not call the Assistance Centre in an
emergency, or prior to any treatment, you will have to pay
25% of the eligible medical expenses we would normally pay
under this certificate of insurance. If it is medically impossible
for you to call, please have someone call on your behalf.
The Manufacturers Life Insurance Company 06/2012
If you need medical attention or must make any other type
of claim during your trip, call us for assistance first. The
Assistance Centre is open 24 hours a day, 365 days a year.
Please note that if you do not call the Assistance Centre in an
emergency, or prior to any treatment, you will have to pay
25% of the eligible medical expenses we would normally pay
under this certificate of insurance. If it is medically impossible
for you to call, please have someone call on your behalf.
The Manufacturers Life Insurance Company 06/2012
P
H
W
C
C
V
R
M
A
A
A
A
T
E
H
A
A
NOTICE REQUIRED BY THE ALBERTA
INSURANCE ACT
THIS CERTIFICATE OF INSURANCE CONTAINS A
PROVISION REMOVING OR RESTRICTING THE
RIGHT OF THE INSURED TO DESIGNATE
PERSONS TO WHOM OR FOR WHOSE BENEFIT
INSURANCE MONEY IS TO BE PAYABLE.
IMPORTANT NOTICE –
PLEASE READ CAREFULLY
• Travel insurance is designed to cover losses arising
from sudden and unforeseeable circumstances. It is
important that you read and understand your certificate
of insurance before you travel as your coverage may
be subject to certain exclusions or limitations.
•Your certificate of insurance may not provide
coverage for medical conditions and/or symptoms
that existed before your trip. Check to see how this
applies in your certificate of insurance and how it
relates to your departure date, date of purchase or
effective date.
•In the event of an accident, injury or sickness, your
prior medical history may be reviewed when a claim
is made.
•If your certificate of insurance provides travel
assistance, you may be required to notify the
designated assistance company prior to treatment.
Your certificate of insurance may limit benefits should
you not contact the assistance company within a
specified time period.
PLEASE READ YOUR CERTIFICATE OF INSURANCE
CAREFULLY BEFORE
YOU TRAVEL
WHAT’S INSIDE
(Alphabetical Order)
BAGGAGE LOSS, DAMAGE & DELAY INSURANCE . . . . . .20
DEFINITIONS . . . . . . . . . . . . . . . . . . . . . . . . . .
. . . . . . . .28
ELIGIBILITY
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
3
To Be Eligible for Insurance . . . . . . . . . . . . . . . . . . . . .3
EMERGENCY
MEDICAL INSURANCE . . . . . . . . . . . . . . . .14
FLIGHT & TRAVEL ACCIDENT INSURANCE . . . . . . . . . . . .21
GENERAL INFORMATION . . . . . . . . . . . . . . . . . . . . . . . . .4
Automatic Extension . . . . . . . . . . . . . . . . . . . . . . . . . .4
Refund of Premium . . . . . . . . . . . . . . . . . . . . . . . . . . .5
To Stay Longer than Planned . . . . . . . . . . . . . . . . . . . .5
When
your
Coverage Starts and Ends . . . . . . . . . . . . .4
HOW TO MAKE A CLAIM . . . . . . . . . . . . . . . . . . . . . . . . .25
NOTICE ON PRIVACY . . . . . . . . . . . . . . . . . . . . . . . . . . . .32
PLANS AT-A-GLANCE . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
TERRORISM COVERAGE . . . . . . . . . . . . . . . . . . . . . . . . .22
TRIP
CANCELLATION & INTERRUPTION INSURANCE . . . .5
Default
Protection Coverage . . . . . . . . . . . . . . . . . . .13
WHAT ELSE DO
YOU
NEED TO KNOW . . . . . . . . . . . . . . .23
How does this insurance work with other
coverages . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .24
Premium . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .24
IN THE EVENT OF AN
EMERGENCY
,
YOU
MUST
CALL THE ASSISTANCE CENTRE IMMEDIATELY
1 800 211-9093 toll-free from the USA and Canada,
+1 (519) 251-7821 collect to Canada from
anywhere else in the world.
Our
Assistance Centre is there to help
you
24 hours a day, 365 days a year.
Please note that if
you
do not call the Assistance Centre in
an
emergency
,
you
will have to pay 25% of the eligible
medical expenses
we
would normally pay under this
certificate of insurance. If it is medically impossible for
you
to
call, please have someone call on
your
behalf.
IMPORTANT INFORMATION ABOUT
YOUR
INSURANCE:
We
have issued group policy GGPSP1130205 to G Adventures. This
certificate of insurance is subject to the terms and conditions of the
group policy. In case of a discrepancy between this document and
the group policy, the group policy will prevail.
This certificate of insurance is underwritten by The
Manufacturers Life Insurance Company (Manulife Financial) and
First North American Insurance Company (FNA), a wholly owned
subsidiary of Manulife Financial. Please note that risks identified
with ‡ throughout this document are covered by FNA.
ITALICIZED WORDS have a specific meaning. Please refer to the
“Definitions” section of this certificate of insurance to find the
meaning of each italicized word.
3
Eligibility Requirements
TRAVEL INSURANCE PLANS AT-A-GLANCE
2
Plans At-A-Glance
Family Coverage is available to
you
if all family members to
be insured under one plan and named in
your confirmation
are
under
age
60 and
you
have purchased and paid for family
coverage. The family coverage covers
you
,
your spouse
and
children
, while travelling together, for the plan purchased.
Children
must be at least 31 days of
age
to be insured under
the plan purchased.
The family rate is 3 times the older (or only) parent’s rate for
the All-Inclusive plan. Family coverage is not available for the
Trip
Cancellation plan.
Children
Under 2 Years of
Age
at No Extra Charge:
Available for the All-Inclusive plan. With the purchase of this
insurance, coverage for
children
(or a
child
) more than 30 days
old and under the
age
of 2 is provided at no extra charge.
INSURANCE COVERAGE AMOUNTS
OFFERED PER INSURED (CDN$)
Emergency
Medical† $5,000,000 CDN if
you
have a valid
government health insurance plan;
If
you
do not have a valid
government
health insurance plan your
benefits are
limited to the actual
covered expenses
up to $50,000 for
emergency
medical
treatment
plus up to $300,000 for
ambulance transportation expenses.
Trip
Cancellation† Up to the covered amount purchased
Trip
Interruption† Unlimited for the All-Inclusive plan.
Up to the covered amount purchased
for the
Trip
Cancellation plan.
Baggage Loss or Damage Up to $1,500 per
trip.
Baggage Delay Up to $500 per
trip.
Flight Accident Up to $100,000 for death or double
dismemberment or $50,000 for single
dismemberment.
Travel Accident Up to $50,000 for death or double
dismemberment or $25,000 for single
dismemberment.
† For all plans, if
your covered expense
results from an
act of terrorism
, all
benefit maximums shown in this certificate of insurance may be reduced
subject to the Terrorism Coverage provision.
Insurance Benefits & Features
All-Inclusive
Trip
Cancellation
Maximum Eligible
Age
* No Limit No Limit
Trip
Cancellation & Interruption**
u u
Emergency
Medical
u
Baggage Loss, Damage & Delay
u
Flight Accident
u
Travel Accident
u
Family Coverage
u
Vacation Voucher
u
PLANS
* If
you
purchase the All-Inclusive plan that includes
Emergency
Medical
Insurance,
your child
must be at least 31 days old to be insured.
**
Default
coverage is provided in any plan that includes
Trip
Cancellation
& Interruption Insurance.
ELIGIBILITY
TO BE ELIGIBLE FOR THIS INSURANCE
you
must pay the
required premium to
your
travel agent before
you
leave
home
.
You
must buy coverage for the entire duration of
your trip
.
You
are not eligible for coverage if:
a) the date of
your trip
occurs during the time that
you
have
been advised by a
physician
not to travel; and/or
b)
you
have been diagnosed with a terminal illness with less
than 6 months to live; and/or
c)
you
have a kidney condition requiring dialysis; and/or
d)
you
have used home oxygen during the 12 months prior to
the date of application.
Additional Eligibility Requirements for the All-Inclusive Plan:
If
you
are
age
75 or older and
you
are applying for the
All-Inclusive Plan,
you
must also meet all of the following
Eligibility Requirements:
•
You
are not travelling against the advice of a
physician
;
•
You
do not require kidney dialysis;
•
You
have never had a bone marrow and/or organ transplant
(excluding corneal transplant);
•
You
have not had a heart bypass and/or heart valve
surgery before 2002;
• In the last 5 years,
you
have not been diagnosed with and/or
had
treatment
for metastatic cancer;
• In the last 6 months,
you
have not received chemotherapy
and/or radiotherapy and/or other
treatment
, other than routine
follow-up, for cancer (except basal cell and squamous cell skin
cancer, and breast cancer treated only with hormonal therapy);
• In the last 12 months,
you
have not been prescribed or taken
Prednisone or oxygen, or been hospitalized (as an in-patient
or seen in the emergency department) for a lung condition;
• In the last 2 years,
you
have not:
°
Been prescribed or taken Lasix or Furosemide for any
reason and/or
°
Had congestive heart failure;
• In the last 12 months,
you
have not been hospitalized (as an in-
patient or seen in the emergency department) for a heart condition;
• In the last 4 months,
you
have not been prescribed or taken
6 or more prescription medications. Do not count the
following medications: hormone replacement therapy (thyroid
or menopausal); drugs used for osteoporosis, or traveller’s
diarrhea; or any form of immunization. Do not count topical
medications that go in
your
ears or eyes or on
your
scalp or
skin except: any form of nitroglycerine or any drug(s) for angina;
• In the last 3 years,
you
have not been diagnosed with and/or
had
treatment
for and/or been hospitalized (as an in-patient
or seen in the emergency department) and/or been prescribed
or taken medication for any 2 of the following (if
you
only
have 1 of the following conditions, answer NO to this statement):
°
Heart condition
°
Lung condition (medication includes any puffer(s)/inhaler(s))
°
Diabetes (treated with medication and/or insulin)
°
Stroke/CVA (cerebrovascular accident) or mini-stroke/TIA
(transient ischemic attack)(including use of
aspirin/Entrophen for this condition)
°
Peripheral vascular disease (blocked or narrowed arteries).
IF
YOU
DO NOT MEET ALL THE ELIGIBILITY
REQUIREMENTS,
YOU
ARE NOT ELIGIBLE FOR
INSURANCE UNDER THE ALL-INCLUSIVE PLAN.
• the total length of
your trip
does not exceed 183 days
(212 days if
you
reside in Ontario or Newfoundland) or
60 days for those age 60 and older covered by the
All-Inclusive Plan;
•
you
pay the additional premium; and
•
you
have had no event that has resulted or may result in a claim.
Any extension is subject to the approval of the Assistance Centre.
REFUND OF PREMIUM
Please note that refunds are not available.
TRIP
CANCELLATION &
INTERRUPTION INSURANCE
Included in the All-Inclusive and
Trip
Cancellation Plans. This
coverage must be purchased within 48 hours of booking
your
trip
or before any cancellation penalties apply.
Benefits – What does
Trip
Cancellation Insurance cover?
If
you
are unable to travel due to a covered event
listed immediately below that occurs before
you
leave
home, we
will pay up to the covered amount for the prepaid
unused portion of
your trip
that is non-refundable and non-
transferable to another travel date. In addition, if
your travel
companion
must cancel his/her
trip
due to a covered event
applicable to him/her, and
you
decide to go on
your trip
as
planned,
we
will cover the cost of the next occupancy charge
up to the covered amount.
IMPORTANT RESTRICTION TO
YOUR TRIP
CANCELLATION COVERAGE
IF
YOU
CANCEL FOR ANY REASON AND DECIDE NOT TO
TRAVEL, COVERAGE IS AVAILABLE ONLY IF
YOU
PURCHASED
YOUR
CERTIFICATE OF INSURANCE WITHIN
48 HOURS OF BOOKING
YOUR TRIP
OR BEFORE ANY
CANCELLATION PENALTIES BECAME APPLICABLE.
If
you
cancel for any reason and decide not to travel
before
you
leave
home
and
you
have booked
your trip
and purchased this insurance from the same travel
agent,
we
will pay up to 50% of the covered amount for the
prepaid portion of
your trip
that is non-refundable and non-
transferable to another date.
You
must cancel
your trip
16 days
or more before
your departure date
as shown on
your
confirmation
, for this benefit to be valid.
To cancel a
trip
before
your
scheduled
departure date, you
must
cancel
your trip
with the travel agent immediately or, at the
latest, the first business day following the cause of cancellation.
Trip
Cancellation Insurance Covered Events:
1.
You
or
your travel companion
develop(s) a
medical
condition
or die(s).
2. A member of
your immediate family
or
your key-person
,
a member of
your travel companion’s immediate family
or their
key-person,
develops a
medical condition
or dies.
3.
Your
friend or the person whose guest
you
will be during
your trip
is admitted to a
hospital
in an
emergency
or dies.
GENERAL INFORMATION ABOUT
YOUR
TRAVEL INSURANCE
The cancel for any reason benefit does not apply if
you
did not
purchase
your
certificate of insurance within 48 hours of
your
initial
trip
booking or before any cancellation penalties became
applicable. Coverage must be for the entire time that
you
are
away from
home, you
must pay the required premium to
your
travel agent before
you
leave
home
and, where applicable,
complete
our questionnaire.
YOUR
COVERAGE STARTS
Trip
Cancellation coverage starts at the date and time
you
pay the premium for that coverage.
Trip
Interruption starts on
the day
you
plan to leave
home
.
All other coverages start when
you
leave
home
.
YOUR
COVERAGE ENDS
Your
insurance ends on the earliest of these dates:
a) before
you
leave
home
, if
you
cancel
your trip
and the
reason for the cancellation is covered under
your
insurance;
b) when
you
return
home; or
c) when
your trip
ends or certificate of insurance expires, as
shown on
your
travel
confirmation.
AUTOMATIC EXTENSION
Under
Trip
Interruption Insurance,
we
will extend
your
coverage automatically beyond the date
you
were scheduled
to return
home
as per
your confirmation:
• for up to 10 days, if
you
have an
emergency
that prevents
you
from returning
home
on that date; or
• for up to 30 days, if
you
are hospitalized and that hospitalization
prevents
you
from returning
home
on that date.
However, if travel is medically possible before the 10 or 30
days have passed,
we
will honour
your
claim for eligible
expenses only until such earlier date.
Under all other types of insurance,
we
will extend
your
coverage automatically beyond the date
you
were scheduled
to return
home
as per
your confirmation
if:
•
your common carrier
is delayed. In this case,
we
will
extend
your
coverage for up to 72 hours; or
•
you
or
your travel companion
are hospitalized on that date. In
this case,
we
will extend
your
coverage during the hospitalization
and for up to 5 days after discharge from the
hospital;
or
•
you
or
your travel companion
have an
emergency
that
does not require hospitalization but prevents travel.
In this case,
we
will extend
your
coverage for up to 5 days.
In any case,
we
will not extend any coverage beyond
12 months after
your effective date
of insurance.
TO STAY LONGER THAN PLANNED
Extensions: If
you
have not left
home
yet, simply call
your
travel agent to ask for the extension. If, however,
you
are
already on
your trip
, please call the Assistance Centre.
You
may be able to extend
your
coverage, as long as:
5
4
General Information
Trip
Cancellation & Interruption Insurance
4.
You
,
your spouse, your travel companion
or
your travel
companion
’s
spouse:
a) become(s) pregnant after
you
book
your trip
and
your departure date
falls in the
9 weeks before the expected delivery date or any time
after that date, or b) legally adopt(s) a
child
and the date
of the adoption falls during
your trip
.
5.
You
or
your travel companion
are unable to be
immunized or take preventative medication based on
you
or
your travel companion's
medical history that is
required for entry into a country or region that is on
your
travel itinerary (provided the requirement became
effective after the purchase of the travel arrangements
and this insurance).
6. ‡
Your
or
your travel companion’s
travel visa is not
issued for a reason beyond
your/
their control.
7. ‡
Your
or
your travel companion's
passport is not issued
within the time confirmed to
you
/them in writing by
Passport Canada, provided that
you
or
your travel
companion
had personally submitted the application to
an authorized passport office and that it had been reviewed
and found satisfactory by Passport Canada authorized
personnel. This applies only to Canadian citizens.
8. ‡
You
,
your spouse, your travel companion
or
your travel
companion
’s
spouse
are called to service as a reservist,
firefighter, military or police staff, to jury duty or to be a
defendant in a civil suit or are subpoenaed to be a
witness during
your trip.
9. ‡
You
,
your spouse
,
your travel companion
or
your travel
companion
’s
spouse
are quarantined or hijacked.
10. ‡
Your
or
your travel companion's
principal
residence
or place of business is burglarized within 3 days of
your/
their
departure date
and
you/
they are required to
cancel
your/
their
trip
and stay behind as a result.
11. ‡
You
,
your spouse
,
your travel companion
or
travel
companion
’s
spouse
are unable to occupy
your/
their
principal residence or to operate
your/
their place of
business because of an event that is independent of any
intentional or negligent act on
your
/their part.
12 ‡ A natural disaster renders
your
pre-booked destination
accommodation uninhabitable after
you
book
your trip
.
This benefit is only applicable if your prepaid
accommodation arrangements are not eligible for
reimbursement by the
Travel Supplier
.
13 ‡
You
,
your spouse
,
your travel companion
or
travel
companion
’s
spouse:
a) lose a permanent job because of
layoff or dismissal without just cause, or b) are
transferred by
your
/their respective employer and must
move from
your
/their respective principal residence.
14. ‡ A business meeting, conference or convention that is
the main intent of
your trip
and was scheduled before
you
purchased this insurance, is cancelled for a reason
beyond
your
control or the control of
your
employer. This
event must be between companies with unrelated
ownership, and, in the case of a conference or
convention,
you
must be a registered delegate.
7
Trip
Cancellation & Interruption Insurance
6
Trip
Cancellation & Interruption Insurance
15. ‡ Foreign Affairs and International Trade Canada issues a
written formal warning after
you
purchase
your
insurance, advising or recommending that Canadian
residents should not visit a destination included in
your
trip
. This applies only to Canadian residents.
16. ‡ For All-Inclusive plans only,
we
will reimburse
your
or
your travel companion’s
non-refundable prepaid airfare
that is not part of
your
/their cruise or tour package up to
$1,500 or the airline’s change fee, whichever is less, if
the cruise or tour is cancelled for any reason except
default.
The entire amount must be insured.
Benefits – What does Misconnection Insurance
cover?
If the covered event listed immediately below prevents
you
from travelling as shown on
your confirmation
,
we
will pay up to the covered amount for
your
misconnection
expenses, being the lesser of: a) the change fee charged by the
airline for
your
missed connection if this option is available; or
b) up to $1,000 for the cost of
your
one-way economy
transportation by the most cost-effective itinerary to the next
destination. In addition,
we
will pay
your
additional and
unplanned hotel and meal expenses,
your
essential phone calls
and taxi fares to a maximum of $350 per day for up to 2 days
when no earlier transportation is available.
Exception: If
you
purchased a ticket or pass to travel by
plane
and, at the same time, purchased the All-Inclusive Plan, this
insurance will cover up to $2,000 for the extra cost of
your
same class transportation via the most cost-effective route
when
you
are eligible for misconnection and delay benefit.
Misconnection Insurance Covered Events:
1. ‡
You
miss
your
next connecting flight because the
plane
you
are ticketed to fly on leaves later than originally
scheduled; or
2. ‡The
plane you
are ticketed to fly on leaves earlier than
originally scheduled and the ticket
you
have purchased for
your
prior connector flight via another airline becomes unusable.
Only misconnection expenses as calculated above will be
payable under these circumstances.
Benefits – What does
Trip
Interruption Insurance cover?
If
your trip
is interrupted due to a covered event listed
immediately below that occurs on or after the day
you
plan to leave
home
,
we
will pay up to the covered amount for
the prepaid unused portion of
your trip
that is non-refundable
and non-transferable to another travel date less the prepaid
unused transportation
home
. If
you
have booked and paid for
a golf package,
we
will also pay up to $100 for each unused
day of
your trip,
to a maximum of $500 for
your
prepaid non-
refundable green fees. In addition,
we
will pay
your
additional
and unplanned hotel and meal expenses,
your
essential
phone calls and taxi fares to a maximum of up to $350 per day
for up to 2 days when no earlier transportation arrangements
are available; and/or
we
will pay
your
extra cost of one-way
economy class fare via the most cost-effective itinerary to
your
or
your
group’s next destination, or to return
home
.
Trip
Interruption Insurance Covered Events:
1.
You
or
your travel companion
develop(s) a
medical
condition
or die(s).
2. A member of
your immediate family
or
your key-person
,
a member of
your travel companion’s immediate family
or their
key-person
develops a
medical condition
or dies.
3.
Your
friend or the person whose guest
you
will be during
your
trip
is admitted to a
hospital
with an
emergency
or dies.
4.
You
,
your spouse, your travel companion
or
your travel
companion
's
spouse
legally adopt(s) a
child
and the date
of the adoption falls during
your trip
.
5. ‡
Your
or
your travel companion’s
travel visa is not
issued for a reason beyond
your/
their control.
6. ‡
You
,
your spouse, your travel companion
or
your travel
companion
’s
spouse
are called to service as a reservist,
firefighter, military or police staff, to jury duty or to be a
defendant in a civil suit or are subpoenaed to be a
witness during
your trip.
7. ‡
You
,
your spouse
,
your travel companion
or
your travel
companion
’s
spouse
are quarantined or hijacked.
8. ‡
You
,
your spouse
,
your travel companion
or
travel
companion
’s
spouse
are unable to occupy
your
/their
principal residence or to operate
your
/their place of
business because of an event that is independent of any
intentional or negligent act on
your
/their part.
9. ‡A natural disaster renders
your
pre-booked destination
accommodation uninhabitable after
you
book
your trip.
This benefit is only applicable if
your
prepaid
accommodation arrangements are not eligible for
reimbursement by the
Travel Supplier
.
10. ‡
You
,
your spouse
,
your travel companion
or
travel
companion
’s
spouse:
a) lose a permanent job because of
layoff or dismissal without just cause; or b) are
transferred by
your
/their respective employer and must
move from
your
/their respective principal residence.
11. ‡
You
miss a connection or must interrupt
your trip
because
of the delay of
your
connecting private passenger
vehicle
or
common carrier,
when the delay is caused by the
mechanical failure of
your
connecting private passenger
vehicle
or
common carrier
, a traffic accident, an emergency
police-directed road closure or weather conditions,
earthquakes or volcanic eruptions.
Your
connecting private
passenger
vehicle
or
common carrier
must have been
scheduled to arrive at
your
point of boarding at least 2
hours before the scheduled time of departure.
12. ‡If
your trip
is interrupted and the planned time of
arrival is delayed for any reason beyond
your
control,
we
will reimburse
you
for the
reasonable and customary
charges
of taking an alternate route to the planned
destination provided that the primary reason for
your
trip
was to be present at a school graduation, wedding,
funeral, sporting, theatrical, musical or other commercial
entertainment event or conference, and such event
cannot be delayed as a result of
your
late arrival.
9
Trip
Cancellation & Interruption Insurance
8
Trip
Cancellation & Interruption Insurance
13. ‡ Foreign Affairs and International Trade Canada issues a
written formal warning after
your departure date
advising or recommending that Canadian residents
should not visit a destination included in
your trip
. This
applies only to Canadian residents.
14. ‡Weather conditions, earthquakes or volcanic eruptions
causes delays to at least 30% of
your trip
and
you
choose not to travel.
15. ‡ A delay in
your
departure due to mechanical failure,
weather conditions, earthquakes, volcanic eruptions, or
grounding of
your
air transportation causes
you
to miss
your
scheduled cruise. This is applicable only if
your
airfare and cruise are insured with Manulife Global
Travel Insurance and purchased through the same travel
agent from whom
you
purchased
your
cruise and if
you
purchased the All-Inclusive Plan.
16. ‡ If
you
have purchased the All-Inclusive Plan and the
flight
you
are booked to fly on is overbooked and
you
are denied boarding as a result,
we
will pay up to
$1,000 for the prepaid unused portion of your
trip
that is
non-refundable and non-transferrable to another date.
For this benefit to apply, the overbooked flight must
have been insured under
your
All-Inclusive insurance.
17. ‡ If
you
or
your travel companion's
passport and/or
travel visa is lost or stolen during
your trip, you
will be
reimbursed for reasonable travel and accommodation
expenses until
your
replacement travel documentation is
replaced.
You
will also be reimbursed for the change fee
charged by the airline.
Benefits – What does Delayed Return Insurance
cover?
If any of the covered events listed immediately below
happens after
you
leave
home
and makes it impossible
for
you
to return
home
as shown on
your confirmation
,
we
will pay up to the covered amount for the length of time that
you
are prevented from travel.
We
will pay for
your
additional
and unplanned hotel and meal expenses,
your
essential phone
calls and taxi fares to a maximum of up to $350 per day and
$3,500 in total.
We
will pay up to the covered amount for the
extra costs of
your
economy class transportation via the most
cost-effective itinerary for
your
travel
home
. If the delay is a
result of a
medical condition,
it must be on the advice of
your
attending
physician
at
your
destination.
Exception: If
you
purchased a ticket or pass to travel by
plane
and, at the same time, purchased the All-Inclusive Plan, this
insurance will cover up to $2,000 for the extra cost of
your
same class transportation via the most cost-effective route
when
you
are eligible for misconnection and delay benefit.
Delayed Return Insurance Covered Events:
1.
You
have a medical
emergency.
2. A member of
your immediate family
has a medical
emergency
or dies at
your
destination.
3.
Your travel companion
has a medical
emergency
or dies at
your
destination.
4.
Your
friend or the person whose guest
you
are during
your
trip
is admitted to
hospital
with an
emergency
or dies.
Vacation Voucher
If the death or hospitalization of an
immediate family
member, close friend, business associate or key employee,
who has not accompanied
you
on the
trip
, prompts
you
to
return earlier than
your
return date and
you
consequently
miss at least 70% of
your
scheduled package tour,
we
will
on
your
request issue a voucher to a maximum of $750.
Vacation Voucher Limitations
1. Eligibility to receive the benefit under Vacation Voucher is
dependent upon approval and payment of a valid
trip
interruption claim under the
Trip
Cancellation and
Interruption Insurance of this certificate of insurance.
2. The redeemable voucher is:
a. payable only to
you;
b. valid until the expiry date indicated on the voucher
(a period of 180 days from the date of
your
early return
from
your
interrupted
trip);
c. nontransferable; and
d. not redeemable in cash.
3. The replacement trip must:
a. begin before the expiry date on the voucher; and
b. be purchased through a Travel Agency that offers
Manulife Global Travel Insurance.
What else does
Trip
Interruption & Delayed Return
Insurance cover?
In the event
your travel companion
’s
plane
is delayed by
weather conditions, earthquakes or volcanic eruptions for at
least 30% of
your trip
, and
your travel companion
decides
not to go on the
trip
as booked,
we
will cover the cost of
your
next occupancy charge up to the covered amount.
In the event
you
die after the start of
your trip:
We
will reimburse
your
estate, up to the covered amount, for
your
pre-paid unused
trip
arrangements, plus
we
will
reimburse
your
estate for:
• the return
home
of
your
body (in the standard
transportation container normally used by the airline); plus
up to $5,000 to have
your
body prepared where
you
die and the cost of the container:
• up to $5,000 to have
your
body prepared and the cost of a
standard burial container, plus up to $5,000 for
your
burial
where
you
die; or
• the return
home
of
your
ashes, plus up to $5,000 to
cremate
your
body where
you
die.
In addition, if someone is required to identify
your
body and
must travel to the place of
your
death,
we
will pay the
economy class airfare via the most cost-effective itinerary for
that person and up to $300 for that person’s hotel and meal
expenses.
We
will also provide that person with
Emergency
Medical Insurance under the same terms and limitations of
this certificate of insurance for up to 72 hours.
11
Trip
Cancellation & Interruption Insurance
10
Trip
Cancellation & Interruption Insurance
Exclusions & Limitations – What does
Trip
Cancellation
& Interruption Insurance not
cover?
When reading this section, please take the time to review the
definitions of “
pre-existing condition
” and “
stable
” at the end
of this booklet.
If the
Trip
Cancellation covered amount purchased is less
than $12,000,
we
will not cover any expenses for any
medical condition
related to
you
,
your spouse,
or
your
children
, if that
medical condition
was not
stable
in the 3
months before the
effective date
for this insurance.
In addition to the “
stable
” requirement,
we
will not cover any
expenses relating to:
•
your
/their heart condition if, in the 3 months before the
effective date
for this insurance, it has not been
stable
or
you
/they have taken any form of Nitroglycerine for the
relief of angina pain; and/or
•
your
/their lung condition if, in the 3 months before the
effective date
for this insurance, it has not been
stable
or
you/
they required
treatment
with oxygen or Prednisone for
your/
their lung condition.
If the
Trip
Cancellation covered amount purchased is
$12,000 or more,
we
will not cover any expenses for a
medical
condition
related to
you
, a member of
your immediate family
,
your
travel companion
,
your key-person,
or the person whose guest
you
are during
your trip
, if that
medical condition
was not
stable
in the
12 months before the
effective date
for this insurance.
In addition to the “
stable
” requirement,
we
will not cover any
expenses relating to:
•
your/
their heart condition if, in the 12 months before the
effective date,
it has not been
stable
or
you
/they have
taken any form of Nitroglycerine for the relief of angina
pain; and/or
•
your
/their lung condition if, in the 12 months before the
effective date,
it has not been
stable
or
you
/they required
treatment
with oxygen or Prednisone for
your
/their lung
condition.
We
will not pay for losses or expenses incurred for, or as the
result of, the following events which are applicable to all
coverages detailed in this section, including
Trip
Cancellation,
Trip
Interruption, Misconnection and Delayed Return
Insurance:
1. Any reason, circumstance, event or
medical condition
affecting
you
or anyone, which
you
were aware of on or
before the
effective date,
and which may eventually
prevent
you
from starting and/or completing
your
covered
trip
as booked when
you
purchase this insurance coverage.
2. The
medical condition
or death of a person who is ill
when the purpose of
your trip
is to visit that person.
3.
Your
suicide, attempted suicide or
your
intentional
self-inflicted injury whether sane or insane.
4.
Your
committing or attempting to commit a criminal act.
5. Not following a prescribed therapy or
treatment
.
6. Any
medical condition,
sickness, death, or
injury
related
directly or indirectly to
your
abuse of medication(s),
drug(s), alcohol, or any other toxic substance(s).
7. An emotional or mental disorder (except an acute
psychosis) that does not require admission to a
hospital
.
8. A
child
who is born after
you
leave
home;
routine
pre-natal care; pregnancy or childbirth; or complications
of
your
pregnancy or childbirth when they happen in the
9 weeks before or after the expected date of delivery.
9. A
medical condition:
• that occurs during a
trip
when
you
knew that
treatment
may be sought or required for that
condition; and/or
• for which it was reasonable to expect before
you
left
home
that
you
would need
treatment
during
your trip
;
and/or
• for which future investigation or
treatment
was
planned before
you
left
home
; and/or
• which caused symptoms that would have caused an
ordinarily prudent person to seek
treatment
in the
3 months before leaving
home
, and/or
• that caused a
physician
to advise
you
not to go on
your trip
.
10. A travel visa that is not issued because of a late application.
11. An
act of war
or
act of terrorism
. For all Plans, limited
coverage applies with respect to an
act of terrorism
. See
Terrorism Coverage provision.
12. Any loss resulting from:
• a specific or related
medical condition
which
you
contracted in a foreign country during
your trip
; and/or
• an
act of war
or an
act of terrorism
,
when, before
you
left
home
the government of
your
home
country issues a formal travel warning which
recommends that citizens of
your
country not visit a
specific country, region or city included in
your trip.
13.
Your
cancelling for any reason and deciding not to travel
if
you
did not purchase this insurance within 48 hours of
booking
your trip
or before any cancellation penalties
applied.
What are the other conditions that apply to
Trip
Cancellation Insurance?
You
must cancel
your
scheduled
trip
with the agent or
travel
supplier
on the day the cause of cancellation occurs or on the
next business day at the latest. Claim payment will be limited
to the cancellation penalties specified in the
trip
contracts
which are in effect at the time the cause of cancellation
occurs.
In the case of a
trip
of $12,000 or more, if
you
or
your travel
companion
are prescribed a change in
treatment
or
medication before
your departure date
,
you
may apply for
special coverage consideration by calling the Customer
Service Centre at 1 866 298-2722. Within one business day of
receiving the required information,
we
will either accept
your
Trip
Cancellation claim, or waive the applicable exclusion
under
our Emergency
Medical Insurance for the
medical
condition
for which the
change in medication
or
treatment
was prescribed.
Trip
Cancellation for a
medical condition
must be
recommended by
your
attending
physician
.
13
12
Trip
Cancellation & Interruption Insurance
Trip
Cancellation & Interruption Insurance
DEFAULT
PROTECTION COVERAGE
We
will provide
Default
Protection coverage subject to the
benefit limits and exclusions listed below.
If
you
have purchased
Trip
Cancellation & Interruption
Insurance and
you:
a) have contracted with a
travel supplier
who
defaults;
and
b) as a result of the
default
,
you
do not receive part or all of
the
travel services
for which
you
have contracted; and
c) cannot recover all of the cost of such undelivered
travel
services
either from the
travel supplier,
any federal,
provincial or other compensation fund, or from any other
source that is legally responsible or under contract to
reimburse
you
for the cost of such undelivered
travel services
,
then,
we
will reimburse
you
as follows:
a) for
default
prior to
your departure date:
the
non-refundable portion of the amount that
you
prepaid for
such undelivered
travel services
up to the covered amount
of the
Trip
Cancellation coverage that
you
purchased in
connection with
your trip;
or
b) for
default
after
your departure date:
• the non-refundable portion of the amount that
you
prepaid for such undelivered
travel services
up to the
covered amount of the
Trip
Interruption coverage that
you
purchased in connection with
your trip
except
prepaid unused transportation
home
.
•
your
additional and unplanned hotel and meal expenses,
your
essential phone calls and taxi fares up to a
maximum of $200 per day for up to 3 days; and
• up to the covered amount for the extra cost of
your
economy class transportation via the most cost-effective
itinerary to
your
next destination or to return
you home.
Benefit Limits
The amount payable to
you
in respect of any one
trip
will not
exceed $3,500 CDN; and will not exceed $7,500 CDN for all
persons who are covered under the same Manulife Global
certificate of insurance. Any benefits payable shall also be
subject to an overall maximum aggregate payable limit
specified below relating to all in-force travel policies issued by
us
, including this certificate of insurance.
If total claims otherwise payable for this type of coverage
under all travel policies issued by
us
, resulting from the
default
of one or more
travel suppliers
occurring within an applicable
time period, exceeds the maximum aggregate payable limit,
then the amount paid on each claim shall be reduced on a pro
rata basis so that the total amount paid in respect of all such
claims shall be the maximum aggregate payable limit.
The maximum aggregate limits are:
a) $1,000,000 CDN with respect to the
default
of any
one (1)
travel supplier;
and
b) $3,000,000 CDN with respect to all
defaults
of all
travel suppliers
occurring in the same calendar year.
If, in
our
judgment, the total of all payable claims on account
of the
default
of one or more
travel suppliers
exceeds the
applicable limits,
your
pro-rated claim may be paid after the
end of the calendar year in which
you
qualify for benefits.
Exclusions
We
will not cover any loss concerning, caused by or resulting
from any of the following:
a) Loss or damage, incurred by
you
, which is or can be
recovered from any other source, including any federal,
provincial or other compensation fund;
b) Loss arising as a result of a
default
if, at the time of
booking, the
travel supplier
is bankrupt, insolvent or in
receivership or has sought protection from creditors under
any bankruptcy, insolvency or similar legislation;
c) Loss arising as a consequence of the bankruptcy or
insolvency of a retail travel agent, agency or broker;
d) Loss arising as a result of the
default
of a foreign
travel
supplier
if the
travel services
to be provided by such foreign
travel supplier
are not part of a package tour sold to
you;
e) Losses incurred by an individual who has not purchased
coverage for
Trip
Cancellation & Interruption Insurance
coverage under the Manulife Global certificate of
insurance, in connection with
your trip
which resulted in
such losses;
f) Insurance purchased or
trips
booked after the
default;
or
g)
Travel services
that were actually provided.
EMERGENCY
MEDICAL INSURANCE
Included in the All-Inclusive Plan.
Benefits – What does
Emergency
Medical Insurance
cover?
Emergency
Medical Insurance covers
you
for
covered expenses,
up to $5,000,000 CDN, incurred by
you
as a result of
medical
attention
required by
you
during
your trip
if a
medical condition
begins unexpectedly after
you
leave
home
, but only if these
covered expenses
are not covered by
your government health
insurance plan
or any other benefit plan. The
medical
attention
must be required as part of
your emergency
treatment
and ordered by a
physician
(or a dentist in the case
of dental
treatment
).
In the event of an
emergency,
call the Assistance
Centre immediately: 1 800 211-9093 toll-free from the
USA and Canada or +1 (519) 251-7821 collect to Canada
from anywhere else in the world. Please note that if
you
do
not call the Assistance Centre in an
emergency
,
you
will
have to pay 25% of the eligible medical expenses
we
would normally pay under this certificate of insurance. If it is
medically impossible for
you
to call, please have someone
call on
your
behalf.
We
will cover benefits 5 to13 only if they have been
authorized and arranged by the Assistance Centre.
Covered expenses
and benefits are subject to the certificate
of insurance maximums, exclusions and limitations.
More specifically, the eligible
covered expenses
are:
1. Expenses to receive
emergency medical attention
–
Medical care received from a
physician
in or out of a
hospital
, the cost of a semi-private
hospital
room (or an
15
Emergency
Medical Insurance
14
intensive or coronary care unit where
medically
necessary
), the services of a licensed private duty nurse
while
you
are in
hospital
, the rental or purchase
(whichever is less) of a
hospital
bed, wheelchair, brace,
crutch or other medical appliance, tests that are needed
to diagnose or find out more about
your
condition, and
drugs that are prescribed for
you
and are available only
by prescription from a
physician
or dentist.
2. Expenses to receive professional services –
Care received from a licensed chiropractor, osteopath,
physiotherapist, chiropodist or podiatrist, up to $300 by
profession.
3. Expenses for ambulance transportation –
Reasonable and customary charges
for local licensed
ambulance service to transport
you
the nearest qualified
medical service provider in an
emergency
.
4. Expenses related to
your
death – If
you
should die
during
your trip
from an
emergency
covered under this
insurance,
we
will reimburse
your
estate for:
• the return
home
of
your
body (in the standard
transportation container normally used by the airline);
plus up to $5,000 to have
your
body prepared where
you
die and the cost of the container:
• up to $5,000 to have
your
body prepared and the cost
of a standard burial container, plus up to $5,000 for
your
burial where
you
die; or
• the return
home
of
your
ashes, plus up to $5,000 to
cremate
your
body where
you
die.
In addition, if someone is required to identify
your
body
and must travel to the place of
your
death,
we
will pay
the economy class airfare via the most cost-effective
itinerary for that person and up to $300 for that person’s
hotel and meal expenses.
We
will also provide that
person with
Emergency
Medical Insurance under the same
terms and limitations of this certificate of insurance for up
to 72 hours.
5. Expenses to bring
you home
– If
your
treating
physician
recommends that
you
return
home
because of
your emergency
or if
our
medical advisors recommend that
you
return
home
after
your emergency
,
we
will pay for:
• the extra cost of an economy class fare via the most
cost-effective itinerary; or
• a stretcher fare on a commercial flight via the most
cost-effective itinerary, if a stretcher is
medically
necessary
; and
• the return cost of an economy class fare 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; or
• the cost of air ambulance transportation, if this is
medically necessary
.
Emergency
Medical Insurance
6. Extra expenses for meals, hotel, phone calls and
taxi – If a medical
emergency
prevents
you
or
your
travel companion
from returning
home
as originally
planned, 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,
we
will reimburse up to a maximum of $350 per day and
$3,500 in total for
your
extra meals, hotel, essential
phone calls and taxi fares.
We
will only pay for these
expenses if
you
have actually paid for them.
7. Expenses to bring someone to
your
bedside – If
you
are travelling alone and are admitted to a
hospital
for
3 days or more because of a medical
emergency
,
we
will
pay the economy class fare via the most cost-effective
itinerary for someone to be with
you
.
We
will also pay up to
$500 for that person’s hotel and meals and cover him/her
under
Emergency
Medical Insurance, under the same terms
and limitations of this certificate of insurance, until
you
are
medically fit to return
home
. For a
child
insured under this
certificate of insurance, this benefit is available
immediately upon his/her
hospital
admission.
8. Expenses for
emergency
dental
treatment
–
If
you
need
emergency
dental
treatment
,
we
will pay:
• up to $300 for the relief of dental pain; or
• if
you
suffer an accidental blow to the mouth, up to
$3,000 to repair or replace
your
natural or
permanently attached artificial teeth (up to $2,000
during
your trip
and up to $1,000 to continue
medically necessary treatment
in the 90 days after the
accident).
9. Expenses to return
children
under
your
care –
If
you
are admitted to
hospital
for more than 24 hours or
must return
home
because of an
emergency
,
we
will pay
for the extra cost of one-way economy class airfare to
return
your children home
via the most cost-effective
itinerary and the return economy class airfare via the most
cost-effective itinerary for a qualified escort when the
airline requires it.
We
will cover him/her under the
Emergency
Medical Insurance, under the same terms and
limitations of this certificate of insurance for a qualified
escort. The
children
must have been under
your
care during
your trip
and be covered under this certificate of insurance.
10. Expenses for childcare – If
you
are admitted to
hospital
,
we
will cover the expenses for an attendant to
provide childcare services when such service is required.
The attendant must be a person other than the
child’
s
parent, member of the
immediate family, your travel
companion
, or the person whose guest
you
are during
the
trip
.
We
will reimburse
you
up to $100 per day to a
maximum of $300 per
trip
. The
child
(ren) must have
been under
your
care during
your trip
.
17
Emergency
Medical Insurance
16
Emergency
Medical Insurance
11. Expenses to return
your
pet(s) – When approved in
advance and arranged by the Assistance Centre,
we
will
pay for the extra cost of economy class transportation,
up to $500, to return
your
pet(s) (domestic dog(s) and/or
cat(s))
home
via the most cost-effective itinerary, if:
a)
your
treating
physician
recommends that
you
return
home
because of
your medical condition
;
b)
our
medical advisors recommend that
you
return
home
after
your emergency treatment
; or
c)
you
die.
12. Expenses to return
your travel companion
–
We
will
pay the extra cost of one-way economy airfare via the
most cost-effective itinerary, to return
your travel
companion
(who is travelling with
you
at the time of
your emergency
and insured under
our
travel medical
insurance plan)
home
, if
you
return
home
under Benefit
#5 above.
13. Expenses to return
your vehicle home
– If, because of
a medical
emergency,
hospitalization, death or
repatriation,
you
are unable to drive
home
the
vehicle you
used during
your trip, we
will cover up to the reasonable
cost charged by a commercial agency to bring
your vehicle
home.
If
you
rented a
vehicle
during
your trip
,
we
will
cover its return to the rental agency.
14.
Hospital
Allowance – If
you
are hospitalized for 48 hours
or more,
we
will reimburse
you
up to $50 per day in the
hospital
to a maximum of $500 for
your
incidental
expenses (telephone calls, television rental, etc.) while
you
are in the
hospital
.
15. Baggage Return – If
you
return
home
under Benefit #5
above,
we
will pay the extra costs to return
your
baggage to
your home
.
16. Expenses to replace prescription drugs –
We
will pay
up to a maximum of $50 if
you
have misplaced or have
forgotten
your
prescription medication during
your trip
and
it is necessary for
you
to continue taking the prescribed
medication. Charges for vitamins, vitamin preparations,
over-the-counter drugs, contraception or birth control are
not covered.
Exclusions & Limitations – What does
Emergency
Medical Insurance not cover?
We
will not pay any expenses or benefits relating to:
1. A
pre-existing condition
. The
pre-existing condition
exclusion which applies depends on the plan
you
purchased, and
your age
at the time
you
purchased this
certificate of insurance as outlined below. Please see the
definitions of “
pre-existing condition
” and “
stable
” at the
end of this booklet.
This plan includes a “
stable
” requirement. In addition to that
requirement,
we
will not cover any expenses relating to:
•
your
heart condition if, within the required period of being
stable
, it has not been
stable
or
you
have taken any form of
Nitroglycerine for the relief of angina pain; and/or
•
your
lung condition if, within the required period of being
stable
, it has not been
stable
or
you
required
treatment
with
oxygen or Prednisone for
your
lung condition.
We
will not pay any expenses relating to a
pre-existing
condition
that was not
stable
in the...
2. Expenses that exceed: a) $5,000,000 CDN if
you
have a
valid
government health insurance plan
or b) $50,000 for
emergency
medical
treatment
, and c)$300,000 for
ambulance transportation expenses.
3.
Covered expenses
that exceed the
reasonable and
customary
charges where the medical
emergency
happens.
4.
Covered expenses
that exceed 75% of the cost
we
would normally have to pay under this insurance, if
you
do not contact the Assistance Centre at the time of the
emergency
, unless
your medical condition
makes it
medically impossible for
you
to call (in that case, the
25% co-insurance does not apply).
5. Any
medical condition
when prior to the purchase date
you
had not met all the Eligibility Requirements.
6. Any
treatment
that is not for an
emergency.
7. The continued
treatment
of a
medical condition
when
you
have already received
emergency treatment
for that
condition during
your trip
and
our
medical advisors
determine that
your
medical
emergency
has ended.
8. A
medical condition
:
• when
you
knew, before
you
left
home
, or before the
effective date
of coverage, that
you
would need or be
required to seek
treatment
for that
medical condition
during
your trip;
and/or
• for which it was reasonable to expect before
you
left
home
that
you
would need
treatment
during
your trip;
and/or
• for which future investigation or
treatment
was
planned before
you
left
home
; and/or
• which produced symptoms that would have caused an
ordinarily prudent person to seek
treatment
in the
3 months before
your effective date
; and/or
• that had caused
your physician
to advise
you
not to travel.
9. An
emergency
resulting from: hang-gliding, rock climbing,
mountaineering
, participating in a motorized speed
contest; or
your
professional participation in a sport,
19
18
All-Inclusive Plan:
Under
Age
75
Age
75 or older
3 months before
you
leave
home.
12 months before
you
leave
home
.
Emergency
Medical Insurance
Emergency
Medical Insurance
snorkeling or scuba-diving when that sport, snorkeling or
scuba-diving is
your
principal paid occupation.
10. Suicide, attempted suicide, or an intentional self-inflicted
injury whether sane or insane.
11. Committing or attempting to commit a criminal act.
12. Not following recommended or prescribed therapy or
treatment.
13. Any
medical condition
, sickness, death, or
injury
related
directly or indirectly to
your
abuse of medication(s),
drug(s), alcohol, or any other toxic substance(s).
14. A mental or emotional disorder (other than acute
psychosis) that does not require admission to a
hospital.
15.
Your
routine pre-natal care, a
child
born during
your trip
,
your
pregnancy or childbirth, or complications of
your
pregnancy or childbirth when they happen in the 9
weeks before or after the expected date of delivery.
16. For insured
children
under 2 years of
age:
any
medical
condition
related to a birth defect.
17. Any benefit that must be authorized or arranged in
advance by the Assistance Centre when it has given no
authorization or made no arrangement for that benefit.
18. Any
emergency
that occurs or re-occurs after
our
medical
advisors recommended that
you
return
home
following
your emergency
, and
you
choose not to.
19.
An act of war
or
act of terrorism
. Limited coverage applies with
respect to an
act of terrorism.
See Terrorism Coverage provision.
20. Any loss resulting from:
• a specific or related
medical condition
which
you
contracted in a foreign country during
your trip
; and/or
• an
act of war
or an
act of terrorism
,
when, before
you
left
home
, the government of
your
home
country issues a formal travel warning which
recommends that citizens of
your
country not visit a
specific country, region or city included in
your trip
.
Benefits – What are the other conditions that apply to
Emergency
Medical Insurance?
If
your
current or former employer provides
you
with an
extended health insurance plan with a lifetime maximum
coverage of $50,000 or less,
we
will not coordinate payment
with that coverage. If
your
lifetime maximum is more than
$50,000,
we
will coordinate payment.
Neither
we
nor
our
agents or administrators are responsible for
the availability, quality or result of any medical
treatmen
t or
transportation, or for
your
failure to obtain medical
treatment
.
‡BAGGAGE LOSS, DAMAGE &
DELAY INSURANCE
Included in the All-Inclusive plan.
Benefits – What does Baggage Loss, Damage & Delay
Insurance cover?
Baggage Loss, Damage & Delay Insurance covers the loss of,
damage to, and delay of the baggage and effects that belong
to
you
and that
you
use during
your trip
. More specifically,
this insurance provides
you
with reimbursement for the
following expenses:
1. Up to $200 in total per
trip
for the replacement of a lost
or stolen passport, driver’s licence, birth certificate or
travel visa.
2. Up to $500 in total per
trip
for necessary toiletries and
clothing when
your
checked luggage is delayed by the
carrier for at least 10 hours while
you
are en route. This
benefit is payable only when the delay happens before
your
return
home
.
3.
Up to $100 per day to a maximum of $500 in total for the
rental of golf clubs or
ski equipment or for the purchase of
reasonable golf accessories (golf balls, gloves, tees, etc.) or
ski
accessories (ski equipment includes snowboards, bindings,
boots or poles, etc.) in the event
your
checked golf clubs or ski
equipment are delayed by the
common carrier
for at least 10
hours while
you
are en route. This benefit is payable only
when the delay happens before
your
return
home.
4. Up to $300 per
trip
for any item or set of items which is
lost or damaged during
your trip
to a maximum of $1,500.
Jewellery or cameras (including camera equipment) are
respectively considered a single item.
Exclusions & Limitations – What does Baggage Loss,
Damage & Delay Insurance not
cover?
For Baggage Loss, Damage & Delay Insurance,
we
will not
cover expenses or benefits relating to:
1. Animals, perishable items, bikes that are not checked as
baggage with the
common carrier
, household items and
furniture, artificial teeth or limbs, hearing aids, glasses of
any type, contact lenses, money, tickets, securities,
documents, items related to
your
occupation, antiques or
collector items, items that are fragile, items that are
obtained illegally, or articles that are insured on a valued
basis by another insurer.
2. Damage or loss resulting from wear and tear,
deterioration, defect, mechanical breakdown,
your
imprudence or omission.
3. Unaccompanied baggage, personal property left in an
unattended
vehicle
, unlocked trunk, and any jewellery or
cameras placed in the custody of a
common carrier
.
21
20
Flight & Travel Accident Insurance
Baggage Loss, Damage & Delay Insurance
4. In instances of theft, losses unreported to authorities.
5. An
act of war
or
act of terrorism
.
6. Any loss resulting from:
• a specific or related
medical condition
which
you
contracted in a foreign country during
your trip
; and/or
• an
act of war
or an
act of terrorism
when, before
you
left
home
, the government of
your home
country issues a formal travel warning which recommends
that citizens of
your
country not visit a specific country,
region or city included in
your trip
.
See other conditions under How to Make a Claim.
FLIGHT & TRAVEL
ACCIDENT INSURANCE
Included in the All-Inclusive Plan.
Benefits – What does Flight & Travel Accident Insurance
cover?
We
will cover the following Flight & Travel Accident Insurance
benefits:
1. If an accidental bodily
injury
causes
you
to die, to become
completely and permanently blind in both eyes or to have
two of
your
limbs fully severed above
your
wrist or ankle
joint in the 12 months after the accident,
we
will pay:
a) $50,000 under Travel Accident Insurance; or
b) $100,000 under Flight Accident Insurance.
2. If an accidental bodily
injury
causes
you
to become
completely and permanently blind in one eye or to have
one of
your
limbs fully severed above a wrist or ankle joint
in the 12 months after the accident,
we
will pay:
a) $25,000 under Travel Accident Insurance; or
b) $50,000 under Flight Accident Insurance.
3. If
you
have more than one accidental bodily
injury
during
your trip
,
we
will pay the applicable insured sum only for
the one accident that entitles
you
to the largest benefit
amount.
For Flight Accident Insurance, the accident giving rise to
your
injury
must happen: a) while
you
are travelling on a
commercial passenger
plane
from which a ticket was issued
to
you
for
your
entire airline
trip;
or b) if making a flight
connection, while riding over land or water at the expense of
the airline, riding in a limousine or bus provided by the
airport authority, or in a scheduled helicopter shuttle service
between airports; or c) while
you
are at an airport for the
departure or arrival of the flight covered by this insurance.
Exclusions & Limitations – What does Flight & Travel
Accident Insurance not
cover?
For Flight & Travel Accident Insurance,
we
will not cover
expenses or benefits relating to:
1. Hang-gliding, rock climbing,
mountaineering
,
parachuting or skydiving; participating in a motorized
speed contest; or
your
professional participation in a
sport, snorkeling or scuba-diving when that sport,
snorkeling or scuba-diving is
your
principal paid
occupation.
2. Piloting an aircraft, learning to pilot an aircraft, or acting
as a member of an aircraft crew.
3. Suicide, attempted suicide or an intentional self-inflicted
injury whether sane or insane
4. A criminal act or an attempt to commit such an act by
you
or
your
beneficiary.
5. Not following recommended or prescribed therapy or
treatment.
6. Any
medical condition
, sickness, death, or
injury
related
directly or indirectly to
your
abuse of medication(s),
drug(s), alcohol, or any other toxic substance(s).
7. A mental or emotional disorder (other than acute
psychosis) that does not require admission to a
hospital
.
8. A loss caused directly or indirectly from an existing
disease or bodily infirmity, even if the proximate cause of
its activation or reactivation is the result of an accidental
bodily
injury
.
9. An
act of war
or
act of terrorism.
Limited coverage
applies with respect to an
act of terrorism
as described
in the Terrorism Coverage provision.
10. Any loss resulting from:
• a specific or related
medical condition
which
you
contracted in a foreign country during
your trip
; and/or
• an
act of war
or an
act of terrorism
when, before
your effective date
, the government of
your
home
country issues a formal travel warning which
recommends that citizens of
your
country not visit a
specific country, region or city included in
your trip.
TERRORISM COVERAGE
Where an
act of terrorism
directly or indirectly causes
you
a
loss for which benefits would otherwise be payable in
accordance with the terms and conditions of this certificate
of insurance, this insurance will provide coverage as follows:
• For all
Emergency
Medical Insurance and
Trip
Cancellation & Interruption Insurance coverage,
we
will provide benefits to
you
for
your covered expenses,
subject to the maximums shown in the Benefits section
and this provision;
• The benefits payable, as described directly above, are in
excess to all other potential sources of recovery, including
alternative or replacement travel options offered by
airlines, tour operators, cruise lines and other
travel
suppliers
and other insurance coverage (even where such
other coverage is described as excess) and will only
become available after
you
have exhausted all such other
sources.
23
22
What Else Do
You
Need To Know?
Terrorism Coverage
Any benefits payable pursuant to
our Emergency
Medical
Insurance and
Trip
Cancellation & Interruption
Insurance shall be subject to an overall maximum aggregate
payable limit relating to all in-force travel policies issued by
us
, including this certificate of insurance. If total claims
otherwise payable for a type of coverage under all travel
policies issued by
us
, resulting from one or more
acts of
terrorism
occurring within an applicable time period, exceeds
this maximum aggregate payable limit, then the amount paid
on each claim shall be reduced on a pro rata basis so that
the total amount paid in respect of all such claims shall be
the maximum aggregate payable limit.
Coverage is only available for up to two (2)
acts of terrorism
within a calendar year and the maximum aggregate payable
limit for each
act of terrorism
is:
If, in
our
judgment, the total of all payable claims under one
or more
acts of terrorism
may exceed the applicable limits,
your
prorated claim may be paid after the end of the
calendar year in which
you
qualify for benefits.
Exclusion to this Terrorism Coverage provision
Notwithstanding any provision to the contrary within this
certificate of insurance or any endorsement thereto, this
certificate of insurance does not cover any liability, loss, cost
or expense of whatsoever nature which is directly or
indirectly caused by, resulting from, arising out of or in
connection with any
act of terrorism
perpetrated by
biological, chemical, nuclear or radioactive means, regardless
of any other cause contributing concurrently or in any other
sequence to the liability, loss, cost or expense.
WHAT ELSE DO
YOU
NEED TO KNOW?
Coverage under this certificate of insurance is issued on the
basis of information provided in
your
application.
Your
entire
contract with
us
consists of: this certificate of insurance;
your
application for this certificate of insurance; the
confirmation
issued in respect of that application; and any other
amendments or endorsements resulting from extensions of
coverage.
This insurance is void in the case of fraud or attempted
fraud, or if
you
conceal or misrepresent any material
fact in
your
application for this certificate of insurance
or extension of coverage for benefits under this
certificate of insurance.
Maximum Aggregate for Each
Type of Coverage
Act of Terrorism
(CDN$)
Emergency
Medical $35,000,000
Trip
Cancellation $2,500,000
&
Trip
Interruption
This certificate of insurance is non-participating.
You
are not
entitled to share in
our
divisible surplus. Neither
we
nor
our
agents or administrators are responsible for the availability,
quality or results of any medical
treatment
or transportation,
or for
your
failure to obtain medical
treatment
.
This certificate of insurance shall be governed by and construed
in accordance with the laws of the province of Ontario.
Despite any other provisions of this contract, this contract is
subject to the statutory conditions contained in the Insurance
Act respecting contracts of accident and sickness insurance.
Premium
The required premium is due and payable at the time of
purchase and will be determined according to the schedule of
premium rates then in effect. Premium rates and certificate of
insurance terms and conditions are subject to change without
prior notice to reflect actual experience in the marketplace.
Upon payment of premium, this document becomes a binding
contract provided it is accompanied by a
confirmation
upon
which a contract number appears and
we
have received
your
completed application prior to
your departure date
. If the
premium is insufficient for the period of coverage selected,
we
will:
1. charge and collect any underpayment; or
2. shorten the certificate of insurance period by written
endorsement if an underpayment in premium cannot be
collected.
Coverage will be null and void if the premium is not received,
if a cheque is not honoured for any reason, if credit card
charges are invalid or if no proof of
your
payment exists.
How does this insurance work with other coverages
that
you
may have?
The plans outlined in this certificate of insurance are second
payor coverages. If there are other 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 other third party liability insurance in force
concurrently herewith, amounts payable hereunder are
limited to that portion of
your
expenses, incurred outside the
province or territory of residence, that are in excess of the
amounts for which
you
are insured under such coverage.
Total benefits paid to
you
by all insurers cannot exceed
your
actual expenses.
We
will coordinate the payment of benefits
with all insurers who provide
you
with benefits similar to those
provided under this insurance, (except if
your
current or former
employer provides
you
with an extended health insurance plan
with a lifetime maximum coverage of $50,000 or less), to a
maximum of the largest amount specified by any such insurer.
In addition,
we
have full rights of subrogation. In the event of
a payment of a claim under this certificate of insurance,
we
25
24
What Else Do
You
Need To Know?
will 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 certificate of insurance.
You
will execute and deliver such documents as are necessary
and cooperate fully with
us
to allow
us
to fully assert
our
rights.
You
must do nothing to prejudice such rights.
If
you
are insured under more than one insurance certificate
of insurance underwritten by
us
, the total amount
we
pay to
you
cannot exceed
your
actual expenses; and the maximum
you
are entitled to is the largest amount specified for the
benefit in any one certificate of insurance. If the total amount
of all accident insurance
you
have under policies issued by
us
is more than $100,000,
our
aggregate liability will not exceed
that amount, and any excess insurance will be void and the
premiums paid for such excess insurance will be refunded.
HOW TO MAKE A CLAIM
In the event of an
emergency,
call the Assistance
Centre immediately, prior to receiving
treatment:
1 800 211-9093 toll-free from the USA and Canada or
+1 (519) 251-7821 collect to Canada from anywhere else in
the world. The Assistance Centre is ready to assist
you
24 hours a day, 365 days a year.
Please note that if
you
do not call the Assistance Centre in
an
emergency
,
you
will have to pay 25% of the eligible
medical expenses
we
would normally pay under this
certificate of insurance (25% co-insurance).
If it is medically impossible for
you
to call when the
emergency
happens, the 25% co-insurance will not apply. In this case,
we
ask that
you
call as soon as
you
can or that someone call on
your
behalf. Do not assume that someone will contact the
Assistance Centre for
you
. It is
your
responsibility to verify that
the Assistance Centre has been contacted.
If
you
choose to pay eligible expenses directly to a health
service provider without prior approval by the Assistance
Centre, these services will be reimbursed to
you
on the basis
of the
reasonable and customary charges
that
we
would
have paid directly to such provider
.
Medical charges that
you
pay may be higher than this
amount; therefore
you
will be responsible for any difference
between the amount
you
paid and the
reasonable and
customary charges
reimbursed by
us.
Some benefits are not
covered if they have not been authorized and arranged by
the Assistance Centre.
To make a claim due to illness or
injury
during
your trip
,
your
proof of claim and
your
fully completed Manulife Global
claims form(s) must be sent to
us
within 90 days of
your
loss.
Written claims correspondence should be mailed to:
Manulife Global Travel Insurance
c/o Manulife Financial
PO Box 4906 Stn A
Toronto, ON M5W 0B4
How to Make a Claim
You
may also call the Assistance Centre directly for specific
information on how to make a claim or to inquire about
your
claim status at: 1 866 298-2722.
For coverage information or general inquiries, please contact
your
travel agent.
If
you
are making a
Trip
Cancellation & Interruption
Insurance claim,
we
will need proof of the cause of the
claim, including: a) a medical certificate completed by the
attending
physician
and stating why travel was not possible
as booked, if the claim is for medical reasons; or b) a report
from the police or other responsible authority documenting
the reason for the delay if
your
claim is due to a
misconnection.
We
will also need, as applicable: a) complete
original unused transportation tickets and vouchers;
b) original passenger receipts for the new tickets
you
had to
purchase; c) original receipts for the travel arrangements
you
had paid in advance and for the extra hotel, meal, telephone
and taxi expenses
you
may have had; d) any other invoice or
receipt supporting
your
claim; and e) the entire medical file
of any person whose health or
medical condition
is the
reason for
your
claim.
If
you
are making a
Default
Protection claim,
we
must
receive written notice of the claim within 60 days of the day
on which the
travel supplier
announces that it is in
default
.
You
must submit proof of loss (including original receipts,
proofs of payment to
travel suppliers
, proof of payment for
insurance, unused transportation or accommodation
documents and, where appropriate, evidence of claim to or
reimbursement from any federal, provincial or other
compensation fund, or other insurance, or any other source
(including credit card companies) that is legally responsible
or under contract to reimburse
you
for the cost of such
undelivered
travel services
) no later than 30 days
immediately after such filing deadline.
If
you
are making an
Emergency
Medical Insurance
claim,
we
will need: a) original itemized receipts for all bills
and invoices; b) proof of payment by
you
and by any other
benefit plan; c) medical records including complete diagnosis
by the attending
physician
or documentation by the
hospital
,
which must support that the
treatment
was
medically
necessary
; d) proof of the accident if
you
are submitting a
claim for dental expenses resulting from an accident; e) proof
of travel (including departure and return dates); and f)
your
historical medical records (if
we
determine applicable).
If
you
are making a Baggage Loss, Damage & Delay
Insurance claim, the following conditions apply:
1. In the event of theft, burglary, robbery, malicious mischief,
disappearance or loss of an item covered under this
insurance,
you
must obtain written documented evidence
from the police immediately or, if the police are
unavailable, the hotel manager, tour guide or
transportation authorities.
You
must also take all
27
How to Make a Claim
26
How to Make a Claim
precautions to protect, save or recover the property
immediately, and advise
us
as soon as
you
return
home
.
Your
claim will not be valid under this insurance if
you
do
not comply with these conditions.
2. If the property
you
have checked with a
common carrier
is
delayed,
we
will continue to provide coverage until the
property is delivered by the carrier.
3.
We
cover the current actual cash value of
your
property
when it is lost or damaged.
We
also reserve the option to
repair or replace
your
property with other of similar kind,
quality and value.
We
may also ask
you
to submit
damaged items for an appraisal of the damage. If a lost or
damaged article is part of a set,
we
will cover a
reasonable and fair proportion of the total value of the
set, but not the total value of the set.
4. If
you
need to make a claim under this insurance,
we
will
need: a) copies of reports from the authorities as proof of
loss, damage or delay; and b) proof that
you
owned the
articles, and receipts for their replacement.
If
you
are making a Flight & Travel Accident Insurance
claim, the following conditions apply:
1.
We
will need: a) police, autopsy or coroner’s report;
b) medical records; and c) death certificate, as applicable.
2. If
your
body is not found within 12 months of the accident,
we
will presume that
you
died as a result of
your
injuries.
Who will
we
pay
your
benefits to if
you
have a claim?
Except in the case of
your
death,
we
will pay the
covered
expenses
under this insurance to
you
or the provider of the
service. Any sum payable for loss of life will be payable to
your
estate unless otherwise specified in a Manulife
Statement of Beneficiary form.
You
must repay
us
any amount
paid or authorized by
us
on
your
behalf if
we
determine that
the amount is not payable under
your
certificate of insurance.
If
you
have paid
your
premium in U.S. dollars all amounts
shown throughout this contract are in U.S. dollars except for
the $5,000,000 CDN
Emergency
Medical, the Terrorism and
default
maximum aggregate limits. Otherwise, if
you
paid
your
premium in Canadian dollars all amounts shown
throughout this contract are in Canadian dollars. If currency
conversion is necessary,
we
will use
our
exchange rate on the
date
you
received the service outlined in
your
claim.
We
will
not pay for any interest under this insurance.
Is there anything else
you
should know if
you
have a claim?
If
you
disagree with
our
claim decision, the matter may be
submitted to arbitration under the arbitration law in the
Canadian province or territory where
you
reside at the time
of application for this certificate of insurance. Legal action to
recover a claim must start within the 12 months of the date
the insurance monies would have been payable if it were a
valid claim and be undertaken before courts of the province
of Ontario.
For the purposes of determining the validity of a claim under
this certificate of insurance,
we
may obtain and review the
medical records of the attending
physician
(s), including the
records of the regular
physician
(s) at
home
. These records
may be used to determine the validity of a claim whether or
not the contents of the medical records were made known to
you
before
you
incurred a claim under this certificate of
insurance. In addition,
we
have the right, and
you
shall afford
us
the opportunity, to have
you
medically examined when
and as often as may reasonably be required while benefits
are being claimed under this certificate of insurance.
If
you
die,
we
have the right to request an autopsy, if not
prohibited by law.
DEFINITIONS
When italicized in this certificate of insurance, the term:
Act of terrorism
means any activity, occurring within a
72-hour period, save and except an
act of war
, against
persons, organizations, property (whether tangible or
intangible) or infrastructure of any nature by an individual or
a group based in any country that involves the following or
preparation for the following:
• use, or a threat to use, force or violence; or
• commission of, or a threat to commit, a dangerous act; or
• commission of, or a threat to commit, an act that
interferes or disrupts an electronic, information or
mechanical system;
and the effect or intention of the above is to:
• intimidate, coerce or overthrow a government (whether de
facto or de jure) or to influence, affect or protest against
its conduct or policies; or
• intimidate, coerce or instill fear in the civilian population
or any segment thereof; or
• disrupt any segment of the economy; or
• further political, ideological, religious, social or economic
objectives or to express (or express opposition to) a
philosophy or ideology.
Act of war
means hostile or warlike action whether declared
or not, in a time of peace or war, whether initiated by a local
government, foreign government or foreign group, civil unrest,
insurrection, rebellion or civil war.
Age
means
your age
as calculated at time of application.
Change in medication
means the medication dosage,
frequency or type has been reduced, increased, stopped
and/or new medication(s) has/have been prescribed.
Exceptions
: the routine adjustment of Coumadin, Warfarin or
insulin (as long as they are not newly prescribed or stopped) to
test
your
blood levels; and, a change from a brand name
medication to a generic brand medication of the same dosage.
29
Definitions
28
Child, Children
means an unmarried, dependent son or
daughter or
your
grandchild(ren) under the
age
of 21 or, if a
full-time student, under the
age
of 26. Also, an unmarried
dependent son or daughter of any
age
, if mentally or physically
handicapped. In addition, a
child
must be a minimum
age
of 31
days old to be covered under this certificate of insurance.
Common carrier
means a conveyance, (bus, taxi, train, boat,
airplane or other
vehicle
) which is licensed, intended and
used to transport paying passengers.
Confirmation
means the document or set of documents
confirming
your
insurance coverage under this certificate of
insurance and, where applicable,
your trip
arrangements. It
includes the application for this certificate of insurance, once
you
have completed and submitted it with the required
premium to
us
. It may also include tickets or receipts issued
by an airline, travel agent, tour operator, rental agency, cruise
line or other accommodation or travel provider with whom
you
made arrangements for
your trip
.
Covered expenses
means
reasonable and customary
charges you
incur for supplies and services which are eligible
expenses under the
Emergency
Medical Insurance provisions
and which are either in excess of and/or not covered under
your government health insurance plan
or any other plan.
Default
means the inability of a
travel supplier
to provide
travel services
for which
you
have contracted with the
travel
supplier
, because of complete or substantially complete
cessation of business by the
travel supplier
resulting directly
or indirectly from bankruptcy or insolvency thereof.
Departure date
means the date
you
leave
home.
Effective date
means the date on which
your
coverage starts.
• For
Trip
Cancellation, coverage starts at the date and time
you
pay the premium for that coverage, indicated as the
purchase date on
your confirmation
.
• All other coverages start on
your departure date
, as
indicated on
your confirmation
.
Emergency
means a sudden and unforeseen occurrence of a
medical condition
that begins during the period of insurance,
and requires immediate
treatment
. An
emergency
no longer
exists when the Assistance Centre determines that
you
are
able to continue
your trip
or return
home
.
Government health insurance plan
means the health
insurance coverage that a Canadian provincial or territorial
government provides to its residents.
Home
means
your
Canadian province or territory of
residence. If
you
requested
your
coverage to start when
you
leave Canada,
home
means Canada. In the case of
Trip
Interruption, Flight and Travel Accident, and Baggage
Insurance, it means the place
you
leave from on the first day
of coverage and are scheduled or ticketed to return to on the
last day of coverage.
Definitions
Hospital
means a facility that is licensed as a
hospital
where
in-patients receive medical care, diagnostic and surgical
services under the supervision of a staff of
physicians
with
24-hour care by registered nurses. A clinic, an extended or
palliative care facility, a rehabilitation establishment, an
addiction centre, a convalescent, rest or nursing home, home
for the aged or health spa is not a
hospital.
Immediate family
means
spouse
, parent, legal guardian,
step-parent, grandparent, grandchild, in-law, natural or
adopted child, step-child, brother, sister, step-brother,
step-sister, aunt, uncle, niece or nephew.
Injury
means sudden bodily harm that
you
sustain during the
trip
and that is caused by external, and purely accidental
means, directly and independently of illness or disease and all
other causes.
Key-person
means someone to whom a dependent’s
full-time care is entrusted and who cannot reasonably be
replaced, a business partner, or an employee who is critical to
the ongoing affairs of
your
business, during the
trip
.
Medical attention
means
treatment
required for the
immediate relief of an acute symptom or that, according to a
physician
, cannot be delayed until
you
return
home
. It must
be ordered by and received from a licensed
physician
during
the
trip
or received from a physiotherapist, chiropractor,
osteopath, chiropodist or podiatrist during the
trip
.
Medical condition
means
injury
, illness, disease; or
complication of pregnancy within the first 31 weeks of
pregnancy, or a mental or emotional disorder that requires
admission to a
hospital
or acute psychosis.
Medically necessary
in reference to a given service or
supply, means such service or supply: a) is appropriate and
consistent with the diagnosis according to accepted
community standards of medical practice; b) is not
experimental or investigative in nature; c) could not be
omitted without adversely affecting
your
condition or quality
of medical care; d) cannot be delayed until
your
return
home;
and e) is delivered in the most cost-effective manner possible,
at the most appropriate level of care and not primarily for
reasons of convenience.
Mountaineering
means the ascent or descent of a mountain
requiring the use of specified equipment including crampons,
pickaxes, anchors, bolts, carabineers and lead-rope or
top-rope anchoring equipment.
Physician
means a medical doctor who is duly licensed in
the jurisdiction in which he/she operates and who gives
medical care within the scope of his/her licensed authority.
A
physician
must be a person other than
you
or a member of
your immediate family
.
Plane
means a multi-engine aircraft operated by and licensed
to a regularly scheduled airline on a regularly scheduled
trip
31
30
Definitions
Definitions
operated between licensed airports and holding a valid
Canadian Air Transport Board licence, Charter Air Carrier licence,
or its foreign equivalent, and operated by a certified pilot.
Pre-existing condition
means a
medical condition
that
exists before
your effective date
of insurance.
Reasonable and customary charges
means costs that do
not exceed the standard fee of other providers of similar
standing in the same geographical area, when providing the
same
treatment
of a similar sickness or
injury.
Spouse
means someone to whom one is legally married, or
with whom one has been living in a conjugal relationship for
at least one full year before the
effective date
of this
insurance.
Stable
means a
medical condition
for which:
• there have been no new symptoms, and existing
symptoms have not become more frequent or more severe
or there have been no test results showing deterioration;
and/or
• a
physician
has not determined that the condition has
become worse; and/or
• a
physician
(or other medical professional) has not
prescribed or recommended a
change in medication
taken
or medical care received for that condition; and/or
• a
physician
(or other medical professional) has not
prescribed or recommended a change in
treatment
for that
condition; and/or
• there has been no admission to a
hospital
and/or
you
are
not awaiting results of further investigation for that
medical condition
.
Travel companion
means someone who shares
trip
arrangements and accommodations with
you
. No more than
four (4) individuals (including the insured) will be considered
travel companions
on any one
trip.
Travel services
means transportation, sleeping
accommodation or other service provided or arranged by a
travel supplier
for
your
use (but does not include taxes or
insurance).
Travel supplier
means a tour operator, travel wholesaler,
airline, cruise line, provider of ground transport or provider of
travel accommodation or provider of other services to
you
that is:
a) contracted to provide
travel services
to
you;
and
b) licensed, registered or is otherwise legally authorized in
the particular location of the
travel supplier
to operate and
provide
travel services
as shown on
your confirmation
.
Treatment
means a medical, therapeutic or diagnostic
procedure prescribed, performed or recommended by a
licensed medical practitioner, including but not limited to
prescribed medication, investigative testing and surgery
related to any sickness,
injury
or symptom.
Trip
means the period of time between
your effective date
of
insurance and expiry date as shown on
your confirmation
.
Vehicle
includes any private or rental passenger automobile,
boat, mobile home, camper truck or trailer home which
you
use during
your trip
exclusively for the transportation of
passengers (other than for hire).
We, us, our
means First North American Insurance Company
(FNA) in connection with Baggage Insurance and coverage for
the risks identified with ‡ throughout this document; and The
Manufacturers Life Insurance Company (Manulife Financial) in
connection with all other coverages under this certificate of
insurance. The participation of the insurers is several and not
joint and none of them will under any circumstances participate
in the interest and liabilities of any of the others.
You, your
means the person(s) named as the insured(s) on the
confirmation
, for whom insurance coverage was applied for and
for whom the appropriate premiuim was received by
us
.
NOTICE ON PRIVACY
Your
privacy matters.
We
are committed to protecting the
privacy of the information
we
receive about
you
in the course
of providing the insurance
you
have chosen. While
our
employees need to have access to that information,
we
have
taken measures to protect
your
privacy.
We
ensure that other
professionals, with whom
we
work in giving
you
the services
you
need under
your
insurance, have done so as well. To find
out more about how
we
protect
your
privacy, please read
our
Notice on Privacy and Confidentiality.
Notice on Privacy and Confidentiality. The specific and
detailed information requested on the application form is
required to process the application. To protect the
confidentiality of this information, Manulife Financial will
establish a "financial services file" from which this
information will be used to process the application, offer and
administer services and process claims. Access to this file will
be restricted to those Manulife Financial employees,
mandataries, administrators or agents who are responsible
for the assessment of risk (underwriting), marketing and
administration of services and the investigation of claims,
and to any other person you authorize or as authorized by
law. These people, organizations and service providers may
be in jurisdictions outside Canada, and subject to the laws of
those foreign jurisdictions. Your consent to the use of
personal information to offer you products and services is
optional and if you wish to discontinue such use, you may
write to Manulife Financial at the address shown below. Your
file is secured in our offices or those of our administrator or
agent. You may request to review the personal information it
contains and make corrections by writing to: Privacy Officer,
Affinity Markets, Manulife Financial, 2 Queen Street East,
Toronto, Ontario M5C 3G7.
32
Notice on Privacy
If you need medical attention or must make any other type
of claim during your trip, call us for assistance first. The
Assistance Centre is open 24 hours a day, 365 days a year.
Please note that if you do not call the Assistance Centre in an
emergency, or prior to any treatment, you will have to pay
25% of the eligible medical expenses we would normally pay
under this certificate of insurance. If it is medically impossible
for you to call, please have someone call on your behalf.
The Manufacturers Life Insurance Company 06/2012
If you need medical attention or must make any other type
of claim during your trip, call us for assistance first. The
Assistance Centre is open 24 hours a day, 365 days a year.
Please note that if you do not call the Assistance Centre in an
emergency, or prior to any treatment, you will have to pay
25% of the eligible medical expenses we would normally pay
under this certificate of insurance. If it is medically impossible
for you to call, please have someone call on your behalf.
The Manufacturers Life Insurance Company 06/2012
37
HELP IS JUST A PHONE CALL AWAY.
Enjoying
your trip
should be the first thing on
your
mind.
Our
multilingual Assistance Centre is there to
help and support
you
24 hours a day, 365 days a year
with:
Pre-
Trip
Information
√ Passport and Visa information
√ Health hazards advisory
√ Weather information
√ Currency exchange information
√ Consulate and Embassy locations
During A Medical
Emergency
√ Verifying and explaining coverage
√ Referral to a doctor,
hospital
, or other health care
providers
√ Monitoring
your
medical
emergency
and keeping
your
family informed
√ Arranging for return transportation
home
when
medically
necessary
√ Arranging direct billing of
covered expenses
(where possible)
Other Services
√ Assistance with lost, stolen or delayed baggage
√ Assistance in obtaining emergency cash
√ Translation and interpreter services in a medical
emergency
√ Emergency message services
√ Help to replace lost or stolen airline tickets
√ Assistance in obtaining prescription drugs
√ Assistance in obtaining legal help or bail bond
IN THE EVENT OF AN
EMERGENCY
,
CALL THE ASSISTANCE CENTRE IMMEDIATELY
1 800 211-9093 toll-free from the USA and Canada
+1 (519) 251-7821 collect to Canada from
anywhere else in the world.
NOTICE REQUIRED BY THE ALBERTA
INSURANCE ACT
THIS CERTIFICATE OF INSURANCE CONTAINS A
PROVISION REMOVING OR RESTRICTING THE
RIGHT OF THE INSURED TO DESIGNATE
PERSONS TO WHOM OR FOR WHOSE BENEFIT
INSURANCE MONEY IS TO BE PAYABLE.
IMPORTANT NOTICE –
PLEASE READ CAREFULLY
• Travel insurance is designed to cover losses arising
from sudden and unforeseeable circumstances. It is
important that you read and understand your certificate
of insurance before you travel as your coverage may
be subject to certain exclusions or limitations.
•Your certificate of insurance may not provide
coverage for medical conditions and/or symptoms
that existed before your trip. Check to see how this
applies in your certificate of insurance and how it
relates to your departure date, date of purchase or
effective date.
•In the event of an accident, injury or sickness, your
prior medical history may be reviewed when a claim
is made.
•If your certificate of insurance provides travel
assistance, you may be required to notify the
designated assistance company prior to treatment.
Your certificate of insurance may limit benefits should
you not contact the assistance company within a
specified time period.
PLEASE READ YOUR CERTIFICATE OF INSURANCE
CAREFULLY BEFORE YOU TRAVEL
Don’t forget your
Wallet Card!
IN EVENT OF AN EMERGENCY, CALL:
1 800 211-9093
toll-free from the USA and Canada
+1 (519) 251-7821
to Canada collect from anywhere else in the world
NAME
CERTIFICATE OF INSURANCE #
IN EVENT OF AN EMERGENCY, CALL:
1 800 211-9093
toll-free from the USA and Canada
+1 (519) 251-7821
to Canada collect from anywhere else in the world
NAME
CERTIFICATE OF INSURANCE #
Manulife, Manulife Financial, the Manulife Financial For Your Future
logo and the Block Design are trademarks of The Manufacturers Life
Insurance Company and are used by it, and by its affiliates under license.
IN THE EVENT OF AN EMERGENCY,
CALL THE ASSISTANCE CENTRE IMMEDIATELY
1 800 211-9093 tol
l-free from
the USA and Canada
+1 (519) 251-7821 collect to Canada
from anywhere else in the world
Our Assistance Centre is there to help you
24 hours a day, 365 days a year
This policy is underwritten by The Manufacturers
Life Insurance Company and First North American
Insurance Company, a wholly owned subsidiary
of Manulife Financial.
Travel Certificate of Insurance
EFFECTIVE JUNE 2012
06/12 MGUSPOL612E-GA
