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This insurance pays for loss of life, limb, or sight except in the case of an Air Flight Accident. For further details read on:

Coverage is provided on a 24-hour basis beginning at 12:01 a.m. on the date of departure from the Insured's province or territory of residence as indicated on the Declaration Form and terminates at the earliest of:

a) 12:00 midnight on the expiry date or
b) The time the Insured returns to the province or territory of residence.

For Visitors to Canada Select Plan, coverage begins at 12:01 a.m. on the Effective Date as indicated on the Declaration Form and terminates at the earliest of:

a) 12:00 midnight on the expiry date or
b) Date the Insured returns to their Country of Origin.

Accidental Death & Disablement
Limit Rate/day
$25,000 $0.30
$100,000 $1.25
$250,000 $3.10

Minimum premium per person: $14

DESCRIPTION OF COVERAGE

Accidental Death and Disablement (A.D.&D.) pays for accidental loss of the Insured's life, or accidental loss of an Insured's limb or sight from accidental Injury up to the sum insured as indicated on the Declaration Form occurring during the Period of Coverage.
Coverage is limited to $25,000 for persons covered under Visitors to Canada Select Plan and $10,000 under Trip Cancellation & Interruption Select.
No Benefits are payable if the loss occurs as a result of an Air Flight Accident.
 

BENEFITS

Benefits are payable according to the sum insured of the following schedule in the amount specified for the classification of Injury.
1. Only one amount, the largest, is payable in the event of loss:
a) 100% of sum insured for loss of life, double dismemberment (as described below) or loss of sight of both eyes.
b) 50% of sum insured for single dismemberment (as described below) or loss of sight of one eye.

Loss of hand or hands, or foot or feet means severance through or above the wrist joint or ankle joint, respectively. Loss of eye or eyes means total and irrecoverable loss of the entire sight. Only one amount is payable (the largest) if the Insured suffers more than one of these losses. Amounts specified for loss of two limbs or two eyes or one limb and one eye are payable only when such double loss occurs as a result of the same accident.

Exposure and Disappearance: If the Insured is unavoidably exposed to the elements or disappears as a result of an accident, loss will be covered by this Insurance if:

1. As a result of such exposure, the Insured suffers a loss for which Benefits are payable, or
2. The body of the Insured has not been found within 52 weeks from the date of the accident. It will be presumed, subject to no evidence to the contrary, that the Insured suffered loss of life as a result of Injury covered by this Insurance.

EXCLUSIONS
Benefits are not payable for loss resulting from:

ADD1 Losses while sane or insane including: emotional, mental or nervous disorders by whatever cause; suicide, attempted suicide; or intentionally self-inflicted Injury.

ADD2 Act of War, kidnapping, hijacking or Act of Terrorism, riot, strike or civil commotion, unlawful visit in any country, participation in protests, participation in armed forces activities or a commercial sexual transaction. The commission or attempted commission of any criminal/criminal like act by the Insured, a Family Member or Travelling Companion; contravention of any statutory law or regulation in the area where the loss occurred.

ADD3 Loss, death or Injury, if at the time of the loss, death or Injury, evidence supports the Insured was affected by, or the medical condition causing the loss was in any way contributed to by the use of prohibited drugs, alcohol or any other intoxicant.

ADD4 Travelling against doctor's orders.

ADD5 Injury received while training or participating in speed contests usually in excess of 60 km per hour, Professional sport activities, sky diving, or scuba diving.

ADD6 Being the occupant of an aircraft, either as passenger or crew.

ADD7 Any losses occurring from nuclear energy or any nuclear contamination from any cause whatsoever.

LIMITATIONS
1. Maximum length of coverage: 365 days
2. Age eligibility: 15 days and over
3. Geographic coverage: Worldwide.
4. Only one amount, the largest, is payable as a result of accidental Injury or death when insured under more than one policy issued by T.I.C. during the Period of Coverage.

CONDITIONS
1. The Insurer has the right and the Insured shall afford to the Insurer an opportunity to examine the person of the Insured when and as often as it may be required when a claim under this Insurance is pending.
2. Any claim for indemnity under this Insurance must be submitted within 90 days of the date of accident and must be substantiated by a certificate from the attending physician at the place of the accident.

GENERAL CONDITIONS
Applicable to all insurances in this policy booklet.

1. Co-operators Life Insurance Company hereby insures the person(s) named as the Insured(s) and will pay the benefits listed in this policy except for benefits payable for the Air Flight Accident Insurance which has been effected with certain Lloyd's Underwriters (called the "Insurer") through T.I.C. Agencies Ltd., North Vancouver, B.C.

2. The Declaration Form is the basis of and forms part of this Policy. Coverage is valid only if a Declaration Form is fully completed by a T.I.C. authorized and appointed agent on or before the Application Date and prior to the Effective Date of coverage.

3. Expiry time of coverage is deemed to be the time within the time zone where the Insured was residing when the Declaration Form was issued.

4. Insurance is in effect only for coverages indicated on the Declaration Form for which premium has been paid on or before the Effective Date. Benefits are payable in accordance with the classification of coverage and are limited to the sum insured.
5. Benefits payable do not include interest charges.

6. The coverages outlined in this Policy are second payor plans. If there are other third party liability, group or individual basic or extended health insurance plans or contracts including any private or provincial auto insurance plan providing hospital, medical or therapeutic coverage, in force concurrently herewith, amounts payable hereunder are limited to those expenses incurred outside the Insured's province of residence that are in excess of the amounts for which the Insured is insured under such other coverage. T.I.C. will coordinate all benefits in conjunction with the guidelines provided by Canadian Life, Health Insurers Association.
Insured benefits do not include, and reimbursement will not be made for any expenses, services or supplies that an insurer is eligible to pay under a motor vehicle liability policy pursuant to the "no-fault" benefits schedule under any Insurance Act. Where there is no other coverage reasonably available or other plan that will pay the expense, insured benefits will be paid by T.I.C.

7. If the Insured named in this policy is retired with an extended health plan provided by a former employer, with a lifetime limit of $50,000, T.I.C. will not coordinate Benefits with that provider.

8. Benefits are only payable under one policy, for each Insured during the Period of Coverage indicated on this Policy. If more than one T.I.C. coverage is in force concurrently herewith, Benefits will only be paid under the Insurance with the greatest Sum Insured.

9. In the event of any payment of Benefits under the Insurance, the Insurer shall be subrogated to all the rights of recovery therefore which any Insured receiving such payment may have against any person or organization. Such person shall execute and deliver instruments and papers and do whatever else is necessary to secure such rights and shall do nothing after loss to prejudice such rights.

10. The entire coverage of this Insurance shall be void if, whether before or after loss, the Insured has concealed or misrepresented any material fact or circumstances concerning this coverage or subject thereof, or the interest of the Insured therein, or in the case of any fraud or false swearing by the Insured.

11. The Insured shall be responsible for the verification of
a) any medical expenses incurred and shall obtain itemized accounts of all medical services which have been provided,
b) any payment made by a provincial or territorial hospital/medical plan, or, if the Insured is not covered or is not eligible for coverage, verification of any payment that would have been made,
c) any payment made by any other insurance plan or contract,
d) at the request of T.I.C. it is the Insured's responsibility to provide substantiating medical documentation from their Country of Origin.
Failure to provide substantiating documents shall invalidate all claims under this insurance.

12. All Benefits and Limitations stated in this Policy are deemed to be in Canadian currency (CAD).

13. T.I.C. reserves the right to investigate or obtain private opinion on an Insured's medical condition and to obtain any and all information relating to a claim.

14. It is a condition that T.I.C. be notified at the 24-hour claim line prior to, or within 48 hours of, admission to Hospital and prior to any surgery or invasive investigations being performed. Failure to do so, without reasonable cause will reduce eligible expenses by 20%.

15. It is a condition precedent to liability under this policy that at the time of application, the Insured knows of no reason to seek medical attention. This condition applies to all plans other than Baggage, Accidental Death and Disablement, Air Flight Accident, and Rental Car Collision Damage Protection.
Extended Coverage After Termination

16. If an Insured under this Insurance is riding as a passenger in a conveyance licensed for the transportation of passengers and for which coverage would otherwise be provided under this Insurance and if such conveyance is scheduled to arrive at its destination while this Insurance is in force but is delayed beyond such arrival time by reason of circumstances over which the Insured has no control, the coverage of this Insurance shall be extended automatically until the Insured ceases to be a passenger in such conveyance, but not to exceed 72 additional hours.

17. If an Insured under this Insurance is deemed as medically unfit to travel as a result of a covered Injury or Sickness and if this advice is provided prior to the expiry date of this policy as indicated on the Declaration Form and if this advice is provided, in writing, by the attending physician, this Insurance will automatically be extended for five days.

18. If an Insured is hospitalized at the end of the Period of Coverage, as a result of a covered Injury or Sickness, insurance will be extended to the Insured and an Insured Travelling Companion remaining with the Insured when reasonable and necessary, for the period of Hospital confinement, plus 72 hours after release to travel home.

19. Extension or renewal of coverage is subject to the Terms and Conditions outlined by T.I.C. on file with the duly appointed agents of T.I.C.

20. It is a condition that each term of coverage is considered a separate contract and all terms and conditions of coverage apply except where waived or endorsed by authorization of T.I.C.

REFUNDS
Premium refunds must be obtained from the agent where coverage was originally purchased. There will be no refund of premium if any claims have, or will be made against this insurance. An administration fee of $25 for partial refunds (cancellations) and $10 for flat cancellations will be deducted from the returned premium. Refund of premium will only be returned upon the completion of a claims waiver form under the following circumstances:

Emergency Excess Hospital and Medical Coverage:
a) The entire Trip is cancelled prior to the Effective Date.
b) The Insured chooses to cancel this coverage after reading this policy wording provided the request for cancellation is within 10 days of receipt of this policy and prior to the Effective Date as stated on the Declaration Form.
c) The Insured returns to his/her province or territory of residence 30 days prior to the expiry Date of the Policy.
Annual Plans will not be refunded after the effective date as dated on the Declaration Form.
Trip Cancellation & Interruption and Packages are pro-rated according to the period of time on risk from the Date of Application when:
a) The Trip is cancelled by the Travel Supplier and the Insured does not travel as booked.
b) The Travel Supplier changes the travel dates and the Insured is unable to travel on those dates and all penalties are waived.
c) The Insured cancels the Trip before any penalties come into effect.
Visitors to Canada Medical and Hospital Coverage:
a) The entire Trip is cancelled prior to the Effective Date
b) The Insured under Visitors to Canada Insurance returns to his/her Country of Origin 30 days prior to the expiry date of the Policy
c) The Insured is covered under a provincial or territorial hospital/ medical plan.
Baggage, Accidental Death & Disablement, Air Flight Accident, and Trip Interruption:
a) The entire Trip is cancelled prior to the Effective Date.

Definitions
"Act of Terrorism" means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.
"Act of War" means war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power.
"Acute" means the initial Emergency, short course (not chronic) treatment phase of an Injury or Sickness.
"Aggregate Limit" means the total number or value of insured losses resulting from any one accident or event causing loss.
"Antique Automobile" means an Automobile that is more than 20 years old or has not been manufactured for 10 years or more.
"Application Date" (applicable to Trip Cancellation & Interruption and All-Inclusive Package Plans only) is deemed as the date the Insured purchases this insurance in conjunction with the initial non-refundable costs associated with booking their Trip.
"Automobile" means a vehicle rented by the Insured from a Commercial Rental Agency for his/her personal use under a written rental agreement specifically excluding a truck, van (other than a mini-van), bus, off-road vehicle (while used as such), motorcycle, moped, motorbike, recreational vehicle, all-terrain vehicle, camper or trailer, Antique Automobile, limousine or Exotic Car.
"Business Meeting" means a meeting scheduled before the Application Date of this insurance between companies with unrelated ownership, pertaining directly to the Insured's full-time employment or professional association and is required by the Insured's employer.
"Canadian Resident" means a Landed Immigrant or Canadian citizen who maintains a permanent residence in Canada to which they will return after their Trip.
"Commercial Rental Agency" means a car rental agency or company licensed under the law of its jurisdiction.
"Country of Origin" means the country in which the Insured maintained a permanent residence prior to entry into Canada.
"Declaration Form" means the form titled "Declaration Form" specifying the Insured's names, Period of Coverage, Application Date, Effective and expiry Dates, coverages selected and premium paid. 
"Default" means a complete cessation of operations as a result of a bankruptcy of a contracted Travel Supplier.
"Effective Date" means the date coverage commences as indicated on the Declaration Form, or in the case of Annual Plan the date of departure for each separate trip from the province or territory of residence on or after the stated Effective Date. Effective Date for Trip Cancellation & Interruption Plans is the Application Date. 
"Emergency" is an unforeseen Sickness or Injury affecting the Insured in such a way that the Insured requires immediate intervention by a legally licensed medical physician or dentist. Such Emergency no longer exists, when in the opinion of the attending physician, the Insured is able to return to their place of ordinary residence.
"Exotic Car" includes any Automobile manufactured by Aston Martin, Bentley, Bricklin, Daimler, De Lorean, Excalibur, Ferrari, Jensen, Lamborghini, Lotus, Jaguar, Maserati, Porsche, Rolls Royce or any similar automobile.
"Expected Medical Treatment" means Medical Consultation or hospitalization which has been shown, by prior medical history, as probable or certain to occur.
"Hospital" means an incorporated or licensed hospital having accommodation for resident in-patients, a laboratory, a registered graduate nurse and physician always on duty and an operating room where surgical operations are performed by a legally licensed medical physician or physicians. In no event shall this include a convalescent or nursing home, home for the aged, health spa, or an institution for the care of drug addicts, alcoholics or persons suffering from mental or nervous disorders.
"Family Member" means the Insured's legal or common-law spouse, parent, brother, sister, legal guardian, step-parent, step-child, step-brother, step-sister, aunt, uncle, niece, nephew, grandparent, grandchild, in-law, ward, natural or adopted child.
"Injury" means accidental bodily injuries received while this insurance is in force resulting in loss, independent of Sickness and all other causes.
"Insured" means an eligible person over the age of 14 days whose name appears on the Declaration Form and who has paid the required premium and meets all the conditions of the plan selected.
"Key Employee" means a business partner or an employee whose continued presence is critical to the ongoing affairs of the business during the Insured's absence.
"Medical Consultation" means the obtaining of any medical services from a licensed medical practitioner for an ailment, illness or disease, which includes any or all of: history taking, medical examination, investigative testing, advice or treatment, and for which a diagnosis of the condition need not have been definitively made. Does not include regular medical check-ups where there is no medical clinical sign, or patient portrayed symptoms.
"Period of Coverage" means the number of days coverage for which premium has been paid and for the dates indicated on the Policy.
"Physical Damage or Loss" means loss or damage to the Automobile for which the Insured might be liable (excluding tires unless coincident with other loss or damage covered herein) caused by fire, theft, explosion, earthquake, windstorm, hail, rising water, malicious mischief, riot, civil commotion or collision with another object or by upset.
"Professional" means any person who earns the majority of their income from a particular sporting activity.
"Sickness" means illness or disease causing loss commencing while this Insurance is in force.
"Spouse" means a person who is legally married to the Insured, or has been living in a common-law relationship (either opposite sex or same sex) with the Insured for a continuous period of at least one year and who resides in the same household as the Insured.
"Travelling Companion" means a person who has pre-paid shared accommodation or transportation with the Insured. (Maximum of five persons including the Insured.)
"Travel Supplier" means a licensed tour operator, licensed travel wholesaler, licensed ground transporter, airline or accommodation facility which has contracted to supply services to the Insured and whose services were arranged by a Canadian travel agent. U.S. airlines are not covered unless part of a package tour.
"Trip" means the entire trip contracted by the Insured and for which the premium was paid.

Copyright 2003 T.I.C. Travel Insurance Coordinators - 3T product
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