Multi-Trip All-Inclusive Plan

You are not eligible for this insurance if any of the following apply to you or anyone you want to cover:

• Travelling against the advice of a physician
• Have been diagnosed with a terminal illness with less than 6 months to live
• Require kidney dialysis
• Used home oxygen in the 12 months before you applied for this insurance
• Age 60 or older and do not meet the requirements in a medical questionnaire we ask you to complete
• Under 30 days old
• Age 85 or older
• Do not reside in Canada
• Are not covered under a government health insurance plan (GHIP) for the entire duration of your trip

Health services

• Hospital and physician services
• Paramedical services
• Emergency dental treatment
• Hospital allowance

Transportation

• Ambulance
• Emergency medical return home
• Visit to bedside if travelling alone
• Return home of: children in care of insured, travel companion, pet, vehicle
• Return to original trip destination
• Return of excess baggage

Additional protection

• Extra meal, hotel, child care and phone call costs
• Expenses related to death
• Trip break without terminating coverage
• Terrorism coverage
• Quarantine expenses if you must unexpectedly self-isolate or quarantine after your departure
• Expenses to replace prescription drugs, hearing aids, and eyeglasses
• Expenses for pet care

Conditions, limitations and exclusions apply. See policy for details.

Pre-existing conditions

We will not pay any expenses related to any of the following pre-existing medical conditions:

Rate Category A & Ages 59 and younger

• Any pre-existing condition that was not stable in the 3 months before your effective date
• A heart condition that was not stable or that required any form of nitroglycerine to relieve angina pain in the 3 months before your effective date
• A lung condition that was not stable or that required treatment with oxygen or prednisone in the 3 months before your effective date

Rate Category B & C

• Any pre-existing condition that was not stable in the 6 months before your effective date
• A heart condition that was not stable or that required any form of nitroglycerine to relieve angina pain in the 6 months before your effective date
• A lung condition that was not stable or that required treatment with oxygen or prednisone in the 6 months before your effective date

Pre-existing medical condition means any medical condition that existed before your effective date.

Medical condition means any disease, sickness or injury (including symptoms of undiagnosed conditions).

A medical condition is considered stable when all of the following statements are true:

1. There has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and
2. There has not been any change in medication, or any recommendation or starting of a new prescription drug, and
3. The medical condition has not become worse, and
4. There has not been any new, more frequent or more severe symptoms, and
5. There has been no hospitalization or referral to a specialist, and
6. There have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
7. There is no planned or pending treatment.

All of the above conditions must be met for a medical condition to be considered stable.

Change in medication means when the medication type, dosage, or frequency is reduced, increased, stopped, and/or new medications are prescribed.

Exceptions:

• Regular blood tests that result in routine adjustments of Coumadin, Warfarin, or Insulin as long as these medications are not newly prescribed or stopped; or,
• Changing from a brand name medication to the same dose of a generic medication.

Trip cancellation and trip interruption insurance pre-existing conditions exclusions:

If your coverage is more than $20,000

• We do not cover any expenses for a medical condition that is not stable for 12 months before the date you buy this insurance, as indicated as the purchase date on your confirmation
• We do not cover any heart condition that was not stable or that required any form of nitroglycerine to relieve angina pain in the 12 months before the date you buy this insurance
• We do not cover any lung condition that was not stable or that required treatment with oxygen or prednisone in the 12 months before the date you buy this insurance

If your coverage is less than $20,000

• We do not cover any expenses for a medical condition that is not stable for 3 months before the date you buy this insurance, indicated as the purchase date on your confirmation
• We do not cover any heart condition that was not stable or that required any form of nitroglycerine to relieve angina pain in the 3 months before the date you buy this insurance
• We do not cover any lung condition that was not stable or that required treatment with oxygen or prednisone in the 3 months before the date you buy this insurance

Quarantine exclusions:

• We do not pay any benefits for quarantine or self-isolation in Canada as mandated by any government.
• We will not provide coverage for any pre-paid, unused travel arrangements.
• We will not cover any expenses you incur when you or your travel companion are denied entry to a country or region included in your trip when, before your departure date, there was a foreign government and/or regional travel guideline restricting entry of Canadian residents or guidelines that require self-isolation or quarantine for a specific period of time during your trip.

Other conditions, limitations and exclusions apply.

Please see the policy for details.

Trip cancellation/interruption*

Reimburses up to $1,500 or $2,500 per trip for trip cancellation, to a maximum of $10,000 per year and unlimited coverage for trip interruption of the prepaid, non-refundable, non-transferable portion of a trip cancelled or interrupted by – for example:

• Unexpected medical emergency or death of insured, insured's travel companion, an immediate family member or key person
• Business meeting cancelled
• Called to jury duty
• Travel visa not issued
• Travel host hospitalization or death
• Missed connection
• Default protection: This benefit provides coverage when your travel supplier ceases operations due to bankruptcy or insolvency and you do not receive the services you contracted the travel supplier to provide

Baggage loss, damage and delay*

• Up to $200 for replacement of passport, driver's license, birth certificate or travel visa
• Up to $500 for toiletries and clothing after luggage delay of at least 10 hours
• Up to $300/trip for any item or set of items to a maximum of $1,500

Flight and travel accident*

• $100,000 for a flight accident and $50,000 for a travel accident that results in the insured's death, blindness or double dismemberment within 365 days
• $50,000 for a flight accident and $25,000 for a travel accident that results in the insured's blindness in one eye or single dismemberment within 365 days

* Conditions, limitations and exclusions apply. See policy for details.