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Seniors' Worldwide Package - Plan R
Includes the following coverage:

1. Trip Cancellation & Interruption Select
2.  Out-of-pocket allowance (up to $1,000)
3.  Delayed Baggage (up to $200)
4.  Accidental Death & Disablement (up to $10,000)
5.  Air Flight Accident (up to $50,000)
6.  Baggage (up to $500)
7.  Emergency Excess Hospital and Medical Expense (up to $2 million Sum Insured). 

For rates please refer to the T.I.C. ratebook or contact T.I.C.

You have paid premium for a specific plan of insurance as indicated on the Declaration Form, please note:
Coverage begins 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 12:00 midnight on the expiry date.

This coverage shall be void and the premium paid refunded if:
a) purchased or Effective after departure, or if purchased for a Trip not originating in Canada, unless authorization has been provided by T.I.C.,
b) the entire Trip is cancelled prior to departure,
c) the Insured is not a Canadian Resident.

DESCRIPTION OF EMERGENCY MEDICAL COVERAGE
1. Emergency excess hospital and medical expense pays up to $2 million for reasonable, necessary and customary expenses incurred unexpectedly by an Insured Canadian Resident while on a Trip outside the Insured's province or territory of residence on or after the Effective Date and during the Period of Coverage for Acute Emergency Hospital, Emergency medical, or other covered expenses due to Injury or Sickness.
2. For Canadian Residents not insured under a provincial or territorial hospital/medical plan, the maximum sum insured is $3,000.
3. Amounts payable under this plan shall only be for the excess of such expenses over any amounts available or collectible for treatment or services which are insured services under the provincial or territorial hospital/ medical plan of the province or territory in which the Insured is covered, or would be covered, or those expenses payable or collectible under any other policy or plan. 

DESCRIPTION OF TRIP CANCELLATION AND INTERRUPTION COVERAGE
Pays up to the sum insured as indicated on the Declaration Form for trips to or from Canada and for which premium has been paid for the following benefits when certain risks insured occur prior to or after departure of the insured Trip. (Refer to Limitation 9).

BENEFITS OF EMERGENCY MEDICAL COVERAGE
1. Hospital Confinement - pays for customary (for the area where situated) charges made by the Hospital for standard accommodation and for services and supplies reasonable and necessary for the care of the Insured during confinement as a resident in-patient.
2. Medical Services - pays for:
a) The services of a legally licensed medical physician or surgeon, anesthetist and registered graduate nurse (all of whom are other than a relative by blood or marriage of the Insured).
b) The services of a legally licensed physiotherapist (other than a relative by blood or marriage of the Insured) when ordered by the attending physician at destination as treatment for an insured Injury. Not to exceed $500 for out-patient treatment.
c) The services of a legally licensed doctor of chiropractic (other than a relative by blood or marriage of the Insured) when ordered by the attending physician at destination for treatment of an insured Injury. Not to exceed $500.
d) When performed at the time of the initial Emergency, lab tests and/or X-ray examination as ordered by a legally licensed medical physician for the purpose of diagnosis.
e) The use of a licensed local air, land or sea ambulance (including mountain or sea evacuation), to the nearest Hospital, when reasonable and necessary.
f) Rental of crutches or hospital-type bed, but not to exceed the purchase price; and the cost of splints, trusses, braces or other approved prosthetic appliances.
g) Emergency out-patient services provided by a Hospital.
h) Drugs or medicines that require a legally licensed medical physician's written prescription but not to exceed a one-month's supply to a maximum $500 per Insured unless hospitalized as an in-patient.
3. Out-of-Pocket Allowance - pays up to $3,000 reimbursement for additional and reasonable living expenses, child care costs (up to a maximum age of 18), essential telephone calls and taxi fares incurred by the Insured or other insured persons remaining with the Insured while an Insured is hospitalized as an in-patient during the Period of Coverage. 
4. Family Transportation Expense - pays up to $3,000 reimbursement for round-trip economy class transportation costs by the most direct route via a common carrier in the event an Insured becomes hospitalized as a result of a covered Injury or Sickness, and the attending physician advises the necessary attendance of a family member or close friend of the Insured. Plus, up to $1,000 reimbursement for reasonable expenses incurred by the transported person once they arrive.
5. Return of Family Member - pays up to $3,000 reimbursement for the extra cost of one-way economy class airfare, seating which has been pre-approved by T.I.C., to return one insured accompanying Family Member home when an Insured is transported by Air Ambulance or commercial stretcher.
6. Return of Vehicle or Watercraft
a) In the event an Insured is unable to return to Canada with the vehicle or watercraft used for the journey due to total disability as a result of a covered Injury or Sickness, reimbursement up to $3,000 is payable for a commercial agency to return the vehicle or watercraft to the Insured's home or rental agency, or;
b) In lieu of the Return of Vehicle Benefit as stipulated under item (a) above, if by virtue of Emergency air ambulance which was arranged and coordinated by T.I.C. the Insured wishes to return to his/her destination in the U.S.A., the Insurer will pay the costs of a one-way economy airfare to the city from where the evacuation commenced. If the Insured was evacuated with another Insured, then that person is also eligible for a one-way economy airfare to the city from where the evacuation commenced. This benefit can only be offered once during the Period of Coverage. Under no circumstances shall the aggregate sum of expenses for the one-way economy airfare exceed $3,000.
7. Return of Accompanying Dog or Cat - pays up to $300 reimbursement, in the event an Insured is hospitalized due to a covered risk, for the cost of returning the Insured's accompanying dog or cat to Canada when necessary.
8. Return of Deceased Body - pays up to $10,000 reimbursement in the event of death due to a covered Injury or Sickness, for the expense actually incurred for homeward carriage in a standard transportation container to the permanent residence of the Insured in Canada, or up to $4,000 for cremation or burial at the place of death, when death is due to a covered Injury or Sickness.
  In the event of death due to a covered Injury or Sickness during the Period of Coverage and, if it is legally required by local authorities in the region where the death of the Insured occurred, a benefit of up to $3,000 is available to cover the costs of a round-trip economy class ticket for a Family Member or a close friend of the Insured to identify the remains of the Insured.
9. Accidental Dental - pays up to $3,000 reimbursement for any one accident for Emergency treatment or services to whole or sound natural teeth (capped or crowned teeth are considered whole or sound natural teeth) caused by an accidental blow to the face. The actual expenses incurred are not to exceed the minimum fee specified in the schedule of fees relating to Dentistry, approved and published by the Dental Association of the province or territory in which the Insured resides.
10. Dental Emergencies - pays up to $500 reimbursement for the immediate relief of Acute dental pain caused by other than a blow to the face. Dental conditions for which the Insured has previously received treatment or advice are not covered.
Treatment relating to any dental claim must be commenced within 48 hours from the onset of the Emergency and must be completed within the Effective term of this policy and prior to the Insured's return to their province or territory of residence.
11. Air Ambulance - pays for pre-paid, medical Emergency transportation of the Insured to a Hospital in Canada when arranged, coordinated and authorized by T.I.C., and/or the use of air ambulance to the nearest Hospital equipped to deal with the Emergency, when assessed as medically transportable.
12. Escort of Insured Children - pays the economy class airfare to return the accompanying insured children (up to a maximum age of 18 years) to their province or territory of residence in the event an Insured has been air evacuated to Canada for medical reasons, and will pay for an escort to accompany the insured children when necessary. This benefit is payable only when pre-approved and arranged by T.I.C.

BENEFITS OF TRIP CANCELLATION AND INTERRUPTION COVERAGE
1. Prior to Departure, reimbursement of: a) The non-refundable, non-recoverable portion of pre-paid airfare and/or pre-paid travel arrangements.
b) The single supplement charged because a Travelling Companion or accompanying Family Member is prohibited from travelling due to an insured risk.
c) The extra cost of one-way economy transportation to the ticketed destination in the event a delay of the connecting carrier or automobile at departure point causes a missed connection. Provided the connecting carrier or automobile was scheduled to arrive not less than two hours prior to the scheduled connection time due to:
 weather conditions or mechanical failure of the connecting carrier (airline, bus, train or government-operated ferry system) or;
 traffic accident or Emergency police road closure (police report required) causes the delay of a private or commercial automobile.

2. After Departure, reimbursement of:
a) The extra cost of economy class transportation by the most direct route to rejoin the tour or group in the event the Insured misses a portion of his/her Trip due to Injury or Sickness of the Insured, a Travelling Companion or accompanying Family Member;
b) The non-refundable portion of unused, pre-paid, insured travel arrangements for the Trip (excluding partially used airline tickets) booked prior to departure due to an insured risk, and reimbursement of the extra cost of one-way economy airfare by the most direct route, to return to the point of departure.
c) When not insured under other plans of insurance, up to $10,000 in the event of death due to a covered Injury or Sickness, for the expense actually incurred for homeward carriage in a standard transportation container to the permanent residence of the Insured as shown in the Policy, or $4,000 for cremation or burial at the place of death.
d) The extra cost of one-way economy transportation to rejoin the tour or group in the event a delay of the connecting carrier or automobile at departure point causes a missed connection. Provided the connecting carrier or automobile was scheduled to arrive not less than 2 hours prior to the scheduled connection time due to:
 weather conditions or mechanical failure of the connecting carrier (airline, bus, train or government-operated ferry system) or;
 Traffic accident or Emergency police road closure (police report required) causes the delay of a private or commercial automobile.
In the event of delay or cancellation of a connecting carrier or automobile as stated in 1c) Prior to Departure and 2d) After Departure, reimbursement of:
e) Unusable pre-paid travel arrangements and;
f) Out of pocket allowance of up to $200 per day to a maximum of $600 for commercial accommodation and meals, essential telephone calls and taxi fares.

ADDITIONAL BENEFITS (for Select Plan K)
1. Out-of-Pocket Allowance - Reimbursement of up to $300 per day to a maximum of $1,000 for commercial accommodation and meals, essential telephone calls and taxi fares in the event the Insured is delayed beyond the return date shown in the Policy as a result of accidental Injury or Sickness of the Insured, Travelling Companion or accompanying Family Member.
2. Delayed Baggage - If en route and before returning to the original point of departure, the Insured's luggage or personal possessions are delayed or lost for 12 hours or more, reimbursement up to $200 for reasonable and necessary toiletries and clothing.
3. Accidental Death and Disablement - up to $10,000 Sum Insured. 
4. Air Flight Accident - $50,000 Sum Insured. 
5. Baggage - $500 Sum Insured.

RISKS INSURED
Pays benefits as listed above in the event cancellation of the Insured's Trip prior to the scheduled departure, or curtailment of the Insured's Trip prior to the scheduled return due to:
1. Injury, Sickness* or death of the Insured, or a Family Member, or a Travelling Companion, or Travelling Companion's Family Member or a Key Employee of the Insured.
  * Reimbursement is limited to the non-refundable amount at the date of the ultimate diagnosis of the Sickness.
2. Jury duty of the Insured, or the Insured being subpoenaed as a witness in a case being heard during the period of the Trip (excluding law enforcement officers).
3. A disaster which renders the Insured's principal residence, in their country of permanent residence, uninhabitable.
4. The legal adoption of a child by the Insured during the periof of the Trip which necessitates cancellation of the Trip.
5. The death of a friend of the Insured.
6. The death or hospitalization of the Insured's host at destination.
7. A statement on terrorism or health risk stated in the 'travel report' issued by the Canadian Department of Foreign Affairs after the Date of Application of this insurance, advising or recommending that Canadians should not travel to the booked destination for a period that would include the Insured's scheduled Trip.
8. Hijacking or quarantine of the Insured.
9. A job transfer within 30 days of the scheduled departure date, by the employer with whom the Insured is employed on the Application Date, that requires relocation of the Insured's principal residence (not applicable to self-employed persons).
10. The cancellation prior to departure of a Business Meeting required by the Insured's employer, or conference arranged by the Insured's professional association, and the cancellation is beyond the control of the employer or association.
11. Injury, Sickness or death of a person or persons with whom arrangements were made for the care of dependents living in the Insured's household.
12. Rescheduling of an exam at an accredited Canadian or American university or college. The exam must have been scheduled prior to the booking of the Insured's Trip and the rescheduling must be beyond the control of the Insured. A copy of the original official exam schedule and the notice of rescheduling must accompany any claims submission. The rescheduled exam must be during the Period of Coverage.
13. The schedule change of the airline carrier that is providing transportation for a portion of the Insured's Trip causing the Insured to miss a connection or resulting in the interruption of the Insured's travel arrangements.
14. Adverse weather which would prevent the Insured from travelling for a period not less than 30% of the total duration of the insured Trip when the Insured chooses not to continue with the Trip prior to departure from the point of origin.
15. The non-issuance of a travel visa (not an immigration, student or employment visa) necessary to enter the country of destination of the Trip, for reasons beyond the Insured's control provided the Insured is a Canadian Resident and eligible to apply, and the non-issuance is not the result of a late application or a renewed application previously denied.
16. Default of Travel Supplier ceasing operations as a result of bankruptcy.

EXCLUSIONS
Benefits are not payable for expenses resulting from:
EHM1 Losses while sane or insane including: emotional, mental or nervous disorders by whatever cause; suicide, attempted suicide; or intentionally self-inflicted Injury. 
EHM2 Act of War, kidnapping 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. 
EMH3 An Injury or Sickness where the Trip is under-taken for the purpose of securing medical treatment or advice for such Injury or Sickness. 
EHM4 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. 
EHM5 Any elective, non-Emergency or routine follow-up procedures or treatment.
EHM6 Travelling against doctor's orders. 
EHM7 An Injury or Sickness, or state of health which, prior to the Effective Date of coverage, was such as to render Expected Medical Treatment or hospitalization. 
EHM8 Any loss as a result of an Injury or a Sickness which required any or all of, Medical Consultation, prescription medication, medical treatment or hospitalization, at any time during the 180-day period immediately preceding the Effective Date of this Policy. This exclusion applies to persons up to age 70 on the Effective Date, travelling for periods of 36 days or longer and persons age 71 and over for Trips of any duration.
EHM9 Continuing medical treatment or hospitalization the Insured receives or elects to receive, unless the Insured is medically certified as unfit to travel or return to their province or territory of residence following diagnosis or Emergency treatment of an Injury or Acute Sickness.
EHM10 A recurrence of the medical condition that caused the Insured to be returned home should the Insured elect to resume their Trip after being returned to Canada.
EHM11 Any rehabilitation, convalescent care or sub-sequent claim either paid, denied or pending, with respect to an Injury or Sickness, or result of an Injury or Sickness, which occurred during the effective term of this Insurance and for which Medical Consultation has been sought.
EHM12 An Injury received while training or participating in speed contests usually in excess of 60 km per hour or Professional sport activities. 
EHM13 The commission of an Air Ambulance unless arranged and pre-approved by T.I.C.
EHM14 Routine or elective treatment for pregnancy within the first 32 weeks of the pregnancy. 
EHM15 Pregnancy within 8 weeks of the expected delivery date. 
EHM16 Treatment for an infant less than 15 days old. 
EHM17 An automobile accident and the Insured is entitled to benefits under the 'no fault' benefit schedule of the Insured's automobile policy, or under an applicable Insurance Act.
EHM18 Dental or cosmetic surgery unless such Emergency surgery is a result of a covered Injury. 
EHM19 Treatment or services that contravene, or are prohibited by legislation under a provincial or territorial hospital/medical plan. 
EHM20 Naturopathic, holistic or acupuncture treatment. 
EHM21 Charges that exceed the customary and reasonable rate for the area in which the treatment or services are being performed. 
EHM22 Nuclear energy or any nuclear contamination from any cause whatsoever. 
CANX1 Losses while sane or insane including: emotional, mental or nervous disorders by whatever cause unless hospitalized; suicide, attempted suicide; or intentionally self-inflicted Injury. 
CANX2 Act of War, kidnapping, 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. 
CANX3 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. 
CANX4 An Injury or Sickness where the Trip is undertaken for the purpose of securing medical treatment or advice for such Injury or Sickness.
CANX5 Any elective, non-Emergency or routine follow-up procedures or treatment.
CANX6 Travelling against doctor's orders. 
CANX7 An Injury or Sickness, or state of health which, prior to the Application Date of coverage, was such as to render Expected Medical Treatment or hospitalization. 
CANX8 Any loss as a result of an Injury or Sickness of an Insured, Family Member, Travelling Companion or Travelling Companion's Family Member or Key Employee of the Insured which required any or all of, Medical Consultation, medical treatment or hospitalization within 90 days immediately preceding the Application Date. 
CANX9 Injury received while training or participating in speed contests usually in excess of 60 km per hour, or Professional sport activities. 
CANX10 Self-diagnosis by a physician.
CANX11 Loss incurred as a result of pregnancy, or childbirth, or complications thereof occurring within eight weeks of the expected date of delivery.
CANX12 Loss incurred as a result of pregnancy which are routine or elective and which occur within the first 32 weeks of the pregnancy.
CANX13 A Trip that is undertaken for the purpose of visiting or attending to an ailing person whose medical condition or ensuing death is the cause of curtailment of the insured Trip. 
CANX14 Any cause, prior to departure, which might reasonably have expected to necessitate the immediate return of the Insured.
CANX15 Loss for any event which at the Application Date could reasonably have been expected to prevent the Insured from travelling as booked.
CANX16 Losses which are recovered or are recoverable from any other source, including trustees or any government compensation fund. 
CANX17 Loss arising as a consequence of the bankruptcy or insolvency of a retail travel agent, agency or broker, whether or not otherwise entitled to the benefit of this Insurance. 
CANX18 Losses arising as a result of a Default if, at the time of booking and/or Application Date, the Travel Supplier is bankrupt, insolvent, or in receivership or shall have sought pro-tection from creditors under any bankruptcy or related legislation. 
CANX19 Losses arising as a result of a Default of an American Travel Supplier if the services to be provided by the American Travel Supplier are not part of a package tour sold to the Insured by an appointed representative of T.I.C. 
CANX20 Losses arising from Default of Travel Supplier for travel services purchased by the Insured direct from the Travel Supplier, or from other than an appointed representative of T.I.C.
CANX21 Penalties incurred after the date of Injury or ultimate diagnosis of a Sickness.

LIMITATIONS
1. Maximum Trip Length:
180 days.
 
2. Age Eligibility:
61 years and over.
3. Geographic coverage: Worldwide.
4. Benefits and claims settlements are limited to the penalties at the time of the cause of cancellation and date of Injury or the ultimate diagnosis of a Sickness.
5. When Family Members are travelling together, the total Aggregate Limit is limited to twelve (12) Insured persons, unless authorized by T.I.C.
6. When Travelling Companions are travelling together, the total Aggregate Limit is limited to five (5) Insured persons, unless authorized by T.I.C.
7. No amount is payable where the date of the return of an Insured to the point of origin is more than 10 days beyond the expiry date specified on the Policy unless the Insured or a Travelling Companion suffering the Injury or Sickness was confined as an in-patient in a Hospital as a result of the Injury or Sickness, or was certified as medically unfit to travel by the attending physician at the location treatment was given.
8. In the event of Default of a Travel Supplier, coverage is limited to $3,500 for any one Insured, or $7,500 for all Insureds listed on the Declaration Form. Total Aggregate Limit is $250,000.
9. Reimbursement of extra costs where applicable are the least of (a) change-fee (b) one-way economy airfare or (c) economy return airfare, all by the most direct route.

CONDITIONS
1. It is a condition of coverage, that T.I.C. be notified 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 result in the Insurer reducing the eligible expenses by 20%.
2. This insurance is valid only if purchased at the time of and in conjunction with the non-refundable deposit of the Insured's Trip and before any cancellation penalties have been incurred.
3. Cancellation due to Injury or Sickness must be on the written advice of the attending medical physician (other than a relative by blood or marriage of the Insured), at the location where Sickness or Injury leading to Cancellation occurred.
4. When cause of cancellation occurs prior to the departure date, the Insured must cancel his/her Trip with the travel agent or the carrier concerned on the day the cause of cancellation occurs or on the next business day at the latest.
5. Failure to provide applicable substantiation for a claim shall invalidate any claim under this insurance.
6. General Conditions of this policy apply.

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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