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					Freedom



                                     T R AV E L P O L I C Y
Travel Insurance




Effective date: September 13, 2006
Table of contents
The Insuring Agreement                              5

Validation of Coverage                              5

Emergency Excess Hospital/Medical Insurance—
Multi Trip Annual & Single Trip                     5

Trip Cancellation/Trip Interruption Insurance and
Trip Interruption Insurance only—
Multi Trip Annual & Single Trip                     12

Accidental Death and Dismemberment Insurance—
Multi Trip Annual & Single Trip               17

Visitors to Canada Emergency Hospital/Medical
Insurance—Single Trip                               19

Baggage Insurance—Single Trip                       24

All Inclusive Holiday Package—
Single Trip                                         26

Visitors to Canada Holiday Package—
Single Trip                                         26

Rental Car Protection—Single Trip                   27

General Exclusions                                  28

General Conditions                                  30

Authorized Extensions to Period of Coverage         32

Automatic Annual Renewal Option                     33

Definitions                                         33

Statutory Conditions                                38

How to Claim                                        41

International Assistance Services                   44




                                                         
    ContaCt information                                                             This is your insurance document. This document contains
    Keep these numbers handy when you travel.                                       clauses that may exclude or limit your coverage. Please read
                                                                                    it carefully.
    Claims/Hospitalization                                                          All italicized terms are defined as stated in the Definitions’ section
    In the event of a medical emergency, call OneWorld Assist
    immediately:
                                                                                    The Insuring Agreement
    From Canada & USA                                              1-800-663-0399
    From Mexico                                                  001-800-514-9976   In consideration of having paid the required premium in full
    Outside N America & Mexico (global toll-free)                 *800-663-00399    for the coverage(s) chosen and having completed in full the
                                                                                    application which has been provided to you either by Travel
    Worldwide (collect)                                           **604-278-4108
                                                                                    Underwriters or one of its designated representatives, this
    Notice to insured, physicians and hospitals                                     policy wording booklet becomes your Policy of Insurance
    It is a condition of the Insurance that in the event of medical                 The company hereby agrees to provide Insurance in
    emergency due to sickness or injury which may require or                        accordance with the terms and conditions of the Policy as set
    result in hospitalization, the insurer must be notified as soon                 forth herein
    as possible                                                                     Coverage for Baggage Insurance is exclusively provided by
                                                                                    Lloyd’s Underwriters All other coverages are provided by
    Policy Extensions                                                               Lloyd’s Underwriters to a maximum liability amount of 10%
    To extend your policy while travelling, simply call us:                         and by Industrial-Alliance Pacific Life Insurance Company to a
    From Canada & USA                                              1-800-663-5389   maximum liability amount of 90%
    From Mexico                                                  001-800-514-9976   All the limits of Insurance under each benefit are per trip
    Outside N America & Mexico (global toll-free)                 *800-663-00399
    Worldwide (collect)                                           **604-276-9900    Validation of Coverage
    * To use the global toll-free service when you are travelling outside North     At the time the required premium is paid your coverage will be
    America and Mexico, you must first dial the international access code           validated when the company or the designated representative
    (see list below) to reach Canada, then enter our 11-digit toll-free number.     provides you with a completed, time dated and numbered
    For example, if you are in Australia you must dial 0011 + 800-663-00399.        application
    Service not available in all countries.

    Australia     0011                             Luxembourg        00
                                                                                    Emergency Excess Hospital/Medical
    Austria       00                               Macau             00
    Belgium       00                               Malaysia          00             Insurance—Multi Trip Annual & Single Trip
    China         00                               Netherlands       00
    Costa Rica    00                               New Zealand       00
                                                                                    Eligibility
    Denmark       00                               Norway            00
                                                                                    You are eligible for coverage if:
    Finland       00 or 990                        Philippines       00
    France        00                               Portugal          00             1 You have not yet reached the age of 90 years at the time of
    Germany       00                               Singapore         001               application date of the Policy
    Hong Kong     001                              South Africa      09             2 You are a Canadian resident, and you must be insured or
    Hungary       00                               South Korea       001 or 002        eligible for benefits under the government health care plan
    Ireland       00                               Spain             00                of the province or territory in which you reside If you are
    Israel        00                               Sweden            00                not insured under the government health care plan in the
    Italy         00                               Switzerland       00                province in which you reside, the portion that would have
    Japan         010 or 0061 010 or 0041          Taiwan            00                been refunded by the provincial government health care
                  010 or 001 010 or 0033 010       United Kingdom    00                plan is not a benefit of this Insurance
                                                                                    3 The expenses you incur result from an acute, sudden and
    ** If you are not able to call from any of the numbers listed above or are         unexpected emergency
    having trouble reaching us, please call us collect using one of the Canada
    Direct access numbers listed on our website at www.oneworldassist.com.          4 The emergency first occurs and the medical treatment is
    A Canada Direct access number allows you to speak immediately with a               provided outside your home province.
    Canadian operator. Once you are speaking with a Canadian operator simply tell   5 The length of travel out of your home province does
    them you wish to make a collect call to one of the numbers listed above.           not exceed the number of days selected at the time of
                                                                                       application or authorized extension period



                                                                                                                                                            
    Period of Coverage                                                 1   Emergency medical treatment
    Multi Trip Annual                                                      The company agrees to pay you or the physician and
    This Policy begins at 12:01 AM on the effective date as shown          hospital directly in respect of the expenses set out
    on the application and continues in force for a period of one          below for losses incurred in excess of the amount of the
    year from the effective date Coverage commences on the                 deductible as shown on the application per insured per
    time and date of each departure from your home province,               covered claim This deductible applies to the portion of
    which must be on or after the effective date as shown on the           emergency medical expenses remaining after payment
    application The insured may travel as many times as they wish          by your provincial government health care plan or other
    during the period of coverage provided that no one trip exceeds        insurance policies, plans or contracts, including private or
    the maximum number of days as specified and contracted for at          provincial automobile insurance
    the time of application                                                • Hospital confinement and treatment

    Coverage terminates on each return to your home province,                Emergency hospital confinement (limited to semi-private
    subject to the maximum duration limitation of each trip as               accommodation) and/or emergency medical treatment by
    specified in the application, or at 12:00 Midnight on the expiry         a physician for the actual, usual and customary charges
                                                                             for reasonable and necessary hospital and medical
    date, whichever occurs first
                                                                             expenses This expense includes one follow-up visit (not
    Single Trip                                                              including ongoing treatment), when the medical process
    Coverage commences at 12:01 AM on the effective date as                  in dealing with the emergency requires such follow-up
    shown on the application, which is the same as the date you              visit The follow-up visit must take place within 14 days of
    depart from your home province.                                          the initial emergency In the case of hospital confinement
    Coverage terminates on the date when you return to your home             any coverage related to the hospital confinement
    province, or at 12:00 Midnight on the expiry date as shown on            terminates upon release from hospital
    the application, whichever first occurs                                • Physician
    Applicable to Emergency Excess Hospital/Medical for travel               The services of a physician.
    Worldwide excluding USA, coverage is limited to travel outside         • Ambulance services
    the USA except for transit or stopovers of up to 48 hours                The services of a licensed ambulance, including mountain
    Top-Up Coverage                                                          and sea rescue, from the scene of the accident or place
    When this Policy is purchased to top-up any other insurance              of onset of the sickness to the nearest hospital
    plan, coverage commences the day following the expiry date             • X-ray examinations
    of the insurance plan named in the application under top-up              X-ray examinations and diagnostic laboratory procedures
    coverage                                                                 when performed at time of initial emergency
    Coverage shall be void in the following cases:                         • Medicines and/or drugs
    1 if purchased after the date of departure from your home                Medicines and/or drugs (excluding vitamins, minerals,
        province; or,                                                        dietary supplements and over the counter medicines)
    2 if purchased for a trip not originating in Canada                      that require a physician’s written prescription following
                                                                             a consultation, for a maximum period of 30 days (original
    Benefits                                                                 pharmacy prescription receipts are required) While you
                                                                             are confined to hospital, the company will reimburse the
    Maximum limit – $5,000,000 per insured person per trip.
                                                                             total cost of such medicines and/or drugs
    The wording in this section applies to Emergency Excess
    Hospital/Medical:                                                      • Rental of essential medical appliances
                                                                             Rental of essential medical appliances including but not
    • Multi Trip Annual and Single Trip Worldwide
                                                                             limited to wheelchairs, crutches and canes, but in no
    • Multi Trip Annual and Single Trip for Travel within Canada
                                                                             event will the rental amount payable exceed the total
    • Single Trip Worldwide excluding USA                                    purchase price
    If hospitalization or medical treatment due to a medical               • Private duty nursing
    emergency is required by you while travelling outside your               Private duty nursing services, performed by a registered
    home province, the company will pay you or the physician                 nurse (R N ) other than a relative, when ordered in
    of your choice for all eligible medical expenses up to the               writing by the attending physician expressly in lieu of
    sum insured in the event of a covered claim To qualify for               hospitalization.
    reimbursement the expenses must be medically necessary             2   Other professional medical services
    for the treatment of an acute, sudden and unexpected sickness          The services of a licensed physiotherapist, chiropractor,
    or accident                                                            chiropodist, osteopath and podiatrist for the relief of acute
    Eligible medical related expenses are described below                  emergency pain limited to a maximum of $500 for any one
                                                                           emergency for each practitioner Chiropractic benefits are
                                                                           limited to the initial office visit

                                                                                                                                          
    3   Dental services                                                           coffin), to your home province in Canada to a maximum
        Benefits are payable to a maximum limit of $4,000 for an                  of $10,000; or,
        accident requiring the repair or replacement of sound natural         b) burial or cremation at the place of death (excluding cost
        teeth or permanently attached artificial teeth Also, benefits             of a burial coffin or urn), in the event your body is not
        are payable for other emergency treatment for dental pain                 returned to your home province, to a maximum of $4,000
        relief other than pain caused by an accident, up to a maximum
                                                                         9    Family transportation
        limit of $500 All dental treatment must be initiated within 48
                                                                              This benefit is payable only when pre-approved and
        hours from the time the emergency began and completed no
                                                                              arranged by OneWorld Assist Inc.
        later than 90 days after the treatment has begun
                                                                              If an attending physician considers it necessary, the
    4   Hospital allowance
                                                                              company will reimburse one economy return airfare or
        Expenses of $50 per day to a maximum of $500 are allowed
                                                                              ground transportation costs for a family member to be with
        to cover incidental hospital charges, which are billed by the
                                                                              you while you are in hospital due to a covered sickness or
        hospital, such as TV rental and telephone charges
                                                                              injury, and up to a maximum of $150 per day for meals and
    5   Emergency air transportation                                          commercial accommodation
        This benefit is payable only when pre-approved and               10   Additional board and lodging
        arranged by OneWorld Assist Inc.                                      The company will reimburse up to $400 per day to a maximum
        a) Medical air evacuation to the nearest medical facility             of $4,000, in the event you or your travelling companion
            equipped to provide the required treatment, or for return         are confined to hospital on the date you are scheduled to
            to Canada; or,                                                    return to your home province, for reasonable and necessary
        b) the cost of stretcher fare or one-way economy airfare on           commercial accommodation, meals, telephone calls, taxi or
            a commercial flight via the most direct route to return to        bus fare and child care costs for dependants up to the age of
            your home province for immediate medical treatment as             18 years (excluding child care provided by a family member)
            a result of an emergency providing medical treatment is           and for other insureds who remain with you while you or your
            sought within 48 hours of arrival to home province, and if        travelling companion are hospitalized
            the attending physician providing treatment outside your     11   Return of vehicle
            home province recommends it in writing; and,                      If the attending physician determines that as a result of an
        c) the cost of a return economy airfare on a commercial               emergency, you are incapable of continuing your trip by
            flight via the most direct route for a qualified medical          means of the vehicle used for the trip and your travelling
            attendant, to accompany you when the attendant is                 companion is unable to do so for you, the company will
            medically necessary or required by the airline                    reimburse the actual reasonable and necessary charges
    6   Return of insured travelling companion                                incurred for a commercial agency to return a vehicle that
        This benefit is payable only when pre-approved and                    you own or rent to either your home province or the nearest
        arranged by OneWorld Assist Inc.                                      appropriate vehicle rental agency The maximum benefit
        If you are returned to your home province under the                   payable is limited to the amount it would cost the insurer
        emergency air transportation benefit or the repatriation              to return your vehicle, but in no event will the maximum
        benefit, the company will reimburse a one-way economy                 benefit payable exceed $4,000
        airfare back to point of departure, for one travelling           12   Return of insured to destination
        companion up to $3,000                                                If you are returned to your home province under the
    7   Escort of insured children                                            emergency air transportation benefit, the company will pay
                                                                              the cost of a one-way economy airfare to return you to the
        This benefit is payable only when pre-approved and
                                                                              place where the emergency air transportation commenced
        arranged by OneWorld Assist Inc.
                                                                              This benefit can only be offered once during the same
        In the event you have been air evacuated to Canada for                covered trip, and will not apply after your original expected
        medical reasons, the company will pay the economy class               return date
        airfare to return an accompanying insured child/children
        (up to the age of 18 years) to the original point of departure   13   Return of accompanying dog or cat
        The company will also pay for an escort to accompany the              In the event you are medically air evacuated back to Canada,
        children when necessary                                               the company will reimburse up to a maximum of $300 for the
                                                                              cost of returning your accompanying dog or cat to Canada
    8   Repatriation
        In the event of your death during a trip as a result of an       Exclusions
        accident or an unexpected sickness covered under the             In addition to the general exclusions, the company will not
        Policy benefits, the company will reimburse for:
                                                                         be liable to provide coverage or services, or to pay claims for
        a) preparation and return of your body, including the cost of    expenses incurred directly or indirectly as a result of:
            a standard shipping container (excluding cost of a burial
                                                                         1 Any pre-existing condition as defined, except as follows:


                                                                                                                                             
         Applicable to persons 59 years and under                               attending physician or dentist, you are able to travel to
         a) On trips 35 days and less, except for conditions for which          your home province for any further treatment relating to
             symptoms arose or for which medical consultation was               the sickness or accident that led to the emergency (other
             required on the date of departure or at any time within            than for a follow-up visit as listed under the benefits for
             the seven days prior to the date of departure, other than          emergency medical treatment)
             a minor ailment                                                 10 Expenses incurred after emergency air transportation,
         b) On trips over 35 days, any condition which has remained             when the emergency air transportation was not arranged
             stable in the 90 days prior to the commencement date of            by OneWorld Assist Inc
             a covered trip                                                  11 Expenses incurred for trips where the date of departure
         Applicable to persons 60 to 89 years                                   from Canada preceded the effective date of coverage
         a) On all trip lengths, pre-existing conditions must be stable in      under this Policy, unless authorized in advance by Travel
             the 365 days prior to the commencement date of a covered           Underwriters
             trip
                                                                             Deductible
         Pre-existing conditions that do not meet the criteria set out
                                                                             This Policy will reimburse eligible medical expenses for losses
         above are not covered
                                                                             incurred in excess of the amount of the deductible as shown on
     2   Any condition(s) for which you are registered on a waiting          the application, per insured per covered claim This deductible
         list in Canada for treatment or diagnosis                           applies to the portion of eligible expenses listed in section
     3   Conditions or any related conditions for which, prior to            Benefits, under benefit number 1 Emergency medical treatment,
         departure, testing or investigative consultation took place,        remaining after payment by your provincial government health
         was scheduled to take place or was recommended, and                 care plan or other insurance policies, plans or contracts,
         for which results had not yet been received at the time of          including private or provincial automobile insurance
         departure This includes tests that were recommended or
         scheduled prior to departure, but had not yet taken place at        Automatic Extensions to Coverage
         the time of departure                                               This Policy, after termination of any one period of coverage, will
     4   Tests and investigative consultation, including but not             be automatically extended:
         limited to biopsies, except when performed at the time of           1 For 72 hours in the event a delayed common carrier
         initial emergency sickness or injury                                    prevents you from returning to your home province
     5   Loss of or damage to prescription glasses, contact lenses,          2 If you are hospitalized during the term of this Policy, for the
         prosthetic devices, hearing aids                                        period of hospital confinement plus 72 hours after release
     6   Any subsequent claim of the same medical condition with                 for you to travel home
         respect to a sickness or injury which occurred:
         Multi Trip Annual                                                   Refunds
         During a covered trip and for which a claim has already             Refunds are not available if a claim has been or will be submitted.
         been paid or is pending On any subsequent covered trip              Multi Trip Annual
         of more than 35 days, no coverage will apply unless such            A full refund is only available if the request for refund is
         medical condition which required the medical attention has          received PRIOR to the effective date or a full refund less
         remained stable as follows:                                         an administration fee is available AFTER the effective date,
         a) in the 90 days prior to the commencement date of a               provided no travel has taken place and the request is received
             covered trip for persons 59 years and under; or,                no later than 30 days after the effective date of the Policy
         b) in the 365 days prior to the commencement date of a              Single Trip
             covered trip for persons 60 to 89 years                         Refunds are available as follows:
         Single Trip                                                         1 When no travel has taken place:
         During a covered trip and for which a claim has already                 a) A full refund is available when the request for refund is
         been made or is pending                                                     received PRIOR to the effective date of the Policy
     7   Treatment or services that contravene any provisions of any             b) A full refund less an administration fee is available when
         provincial government health care plan of the province or                   the request for refund is received AFTER the effective
         territory in which you reside                                               date provided the request for refund is received no later
     8   Any medical treatment which is a continuation of or                         than 30 days after the effective date and prior to the
         subsequent to an emergency sickness or accident, unless                     expiry date of the Policy
         you are declared by an attending physician medically unfit          2 In the case of early return a partial refund is available if
         to return to your home province                                         you return to your home province and the refund request is
     9   This Policy does not provide reimbursement for expenses                 received by Travel Underwriters no later than 30 days after
         once the emergency ends and in the opinion of the                       your actual return date

10                                                                                                                                                 11
     3   A written request for refund, including proof of return to     Covered Risks
         your home province, must be sent to Travel Underwriters        Applicable to Trip Cancellation/Trip Interruption
         Refunds will be calculated from the date of return All         Insurance and Trip Interruption Insurance only
         refunds will be subject to an administration fee               1    Your and/or your travelling companion’s sickness, injury,
                                                                             death or quarantine
     Trip Cancellation/Trip Interruption Insurance                      2    Sickness, injury, death or quarantine of your immediate
     and Trip Interruption Insurance only—                                   family or your travelling companion’s immediate family.
     Multi Trip Annual & Single Trip                                    3    Death or hospitalization or your or your travelling
                                                                             companion’s business partner, or key employer/employee
                                                                             Death or admission to hospital must occur either 10 days
     Eligibility                                                             prior to departure date or anytime during the insured trip
     Applicable to Trip Cancellation/Trip Interruption                       (hospital records and/or death certificate required)
     Insurance and Trip Interruption Insurance only                     4    Death or hospitalization of host at final destination (hospital
     Multi Trip Annual and Single Trip                                       records and/or death certificate required)
     You are eligible for coverage if:                                  5    Sickness or injury of your immediate family who is at your
     1 You have not yet reached the age of 90 years at the time of           final destination
        application date of the Policy                                  6    A natural disaster, which renders your or your travelling
     2 You are a Canadian resident                                           companion’s principal residence uninhabitable or place of
                                                                             business inoperative
     Single Trip
     1 You are a visitor to Canada purchasing this Insurance as         7    Hijacking in which you or your travelling companion is a
        follows:                                                             victim
        a) Prior to arriving in Canada, provided your travel            8    Missed connection or departure:
            arrangements are booked and Insurance is paid for in             a) if journey includes a regularly scheduled two or more
            Canada; or,                                                          hours connection on a common carrier and this connection
        b) after arriving in Canada, for travel anywhere in the world            is missed due to weather conditions, mechanical failure of
            provided the travel originates in Canada                             the common carrier, a traffic accident, or an emergency
                                                                                 police-directed road closure; or,
     Applicable to Trip Interruption Insurance Only                          b) delay of a private automobile resulting from mechanical
     1   To be eligible for coverage this Insurance must be                      failure of that automobile, weather conditions, a traffic
         purchased prior to leaving for your trip                                accident, or an emergency police-directed road closure,
                                                                                 provided that the automobile was scheduled to arrive
     Period of Coverage                                                          at the departure point at least two hours before the
     Applicable to Trip Cancellation/Trip Interruption                           scheduled time of departure
     Insurance and Trip Interruption Insurance only                     9    An accident on the way to the point of departure involving a
     Multi Trip Annual                                                       private passenger automobile in which you are a passenger
     This Policy begins at 12:01 AM on the effective date as shown           or driver; or common carrier in which you were a passenger
     on the application and continues in force for a period of one           (police report required)
     year from the effective date Coverage commences at the             10   A travel advisory and/or travel warning issued by the
     time of booking your trip Coverage terminates on the date of            Canadian government after the date the trip is booked,
     the cause of cancellation if the trip is cancelled prior to the         recommending that, on the contracted dates, you do not
     contracted departure date, or on the date when you return to            travel to the contracted destinations
     your home province or country of permanent residence, or at        11   A schedule change of the airline carrier that is providing
     12:00 Midnight on the expiry date as shown on the application,          transportation for a portion of your trip, causing you to miss
     whichever first occurs                                                  a connection
     Single Trip                                                        12   You or your travelling companion being summoned to
     Coverage commences on the application date as shown                     military (active or reserve) police or fire service
     on the application and terminates on the date of the cause         13   A cancellation of a business meeting at your final
     of cancellation if the insured trip is cancelled prior to the           destination
     contracted departure date, or on the date when you return to       14   Delay of your or your travelling companion’s scheduled
     your home province or country of permanent residence, or at             common carrier, due to weather conditions, for a period of
     12:00 Midnight on the expiry date as shown on the application,          at least 30% of the total duration of an insured trip, when
     whichever first occurs                                                  you choose not to continue with the insured trip



12                                                                                                                                             1
     Applicable to Trip Cancellation only (coverage for prior             3   Reimbursement of reasonable catch-up costs to rejoin a
     to departure)                                                            tour or a one-way economy airfare to your next destination
     1   Job transfer that results in the relocation of your principal        if a portion was missed due to a covered risk
         residence of at least 160 km and within 30 days of departure     4   Repatriation–In the event of your death during a covered
         or return (self-employment not applicable)                           trip, as result of an unexpected sickness or injury, the
     2   You or your travelling companion being subpoenaed, after             company will reimburse for:
         the trip is booked, for jury duty, as a witness, or required         a) preparation and return of your body, including the cost of
         to appear at a court proceeding during the period of travel              a standard shipping container (excluding cost of a burial
         (excluding law enforcement officers)                                     coffin), to your home province or country of permanent
     3   Involuntary loss of permanent employment provided you                    residence, to a maximum of $10,000; or,
         or your travelling companion have been continuously                  b) burial or cremation at the place of death (excluding cost
         employed by the same employer for more than one year                     of a burial coffin or urn), in the event your body is not
         prior to job loss                                                        returned to your home province or country of permanent
     4   The non-issuance of your or your travelling companion’s                  residence, to a maximum of $4,000
         travel visa for reasons beyond your or your travelling           5   In the event your return is delayed due to a covered
         companion’s control This does not include an immigration or          risk–Reimbursement for the cost to return you, by one-way
         employment visa                                                      economy airfare, to your home province or country of
     5   You or your spouse’s pregnancy, or your travelling companion’s       permanent residence, and/or the reasonable out-of-pocket
         or your travelling companion’s spouse’s pregnancy, being             expenses up to the limit of $350 per day to a maximum of
         diagnosed after your trip is booked, if you or your travelling       $1,500 for commercial accommodation, meals, telephone
         companion’s departure is scheduled to take place in the nine         and facsimile charges and taxi expenses
         weeks before or after the expected date of delivery              6   Trip link–In the event you return to your home province from
                                                                              your trip before your scheduled return date as a result of:
     Benefits                                                                 a) hospitalization or death of a family member not travelling
     Applicable to Trip Cancellation/Trip Interruption                            with you after your date of departure; or,
     Insurance and Trip Interruption Insurance only                           b) a natural disaster rendering your principal residence
     The sum insured amount as shown on the application is an                     inhabitable after your departure date
     aggregate limit per insured Benefits as outlined below, are              The company will reimburse up to a maximum of $2,500 for
     payable if disruption of travel plans results in unexpected              the cost of a one-way economy airfare to travel back to
     travel costs such as cancellation penalties before departure,            your original travel destination point provided the return
     or additional expenses after departure for catch up, or early or         takes place within the period of coverage
     delayed return, as a result of a covered risk
     Trip Cancellation Before Departure–payable up to the sum             Conditions
     insured prior to departure                                           Applicable to Trip Cancellation/Trip Interruption
     1 Reimbursement of non-refundable prepaid airfare and/or             Insurance and Trip Interruption Insurance only
         prepaid travel arrangement costs that cannot be recovered        In addition to the general conditions shown on page 30, the
         from another source, as a result of a covered risk               following conditions apply:
     2 Reimbursement of the additional single supplement                  1 At the time the trip is booked no circumstance is known
         commercial accommodation expense in the event your                    which might reasonably be expected to prevent travel as
         travelling companion cancels due to a covered risk                    booked
     Trip Interruption After Departure–payable up to the sum insured      2 No claims will be considered unless the original unused
     after departure                                                           transportation ticket(s) are provided to OneWorld Assist Inc
     These benefits as outlined below, subject to the exclusions,         3 If your trip is cancelled because of sickness or injury, the
     provisions and conditions of this Policy, include reimbursement           patient must consult a physician on or before your departure
     for unexpected airfare and other specified travel costs incurred          date and time, and prior to the date and time of cancellation
     as a result of a covered risk                                             If your trip is interrupted or delayed for sickness or injury,
     1 Reimbursement of the extra cost of a one-way economy                    the patient must consult a physician on or before the date
         airfare to the original contracted point of departure to              and time of interruption or delay In either case you must
         return earlier or later than the contracted return date and/or        provide a medical certificate completed by the physician
         unused non-refundable land or sea arrangements                        that includes: a complete diagnosis, the date of onset of the
     2 Reimbursement of your non-refundable unused prepaid                     condition, the dates and type of treatment, and the medical
         airfare costs when trip is interrupted after arrival at your          necessity of cancelling, delaying or interrupting your trip If
         destination                                                           a physician was not consulted as required or if you cannot



1                                                                                                                                              1
         provide the complete written certificate, your claim will be      10 An early or late return, unless ordered by the attending
         denied Your claim must also include original unused tickets,         physician or unless returning to your home province or
         copies of substitute transportation tickets and travel agent or      country of permanent residence to seek immediate medical
         tour operator invoices (if applicable)                               treatment
     4   If your contracted travel dates change, you must notify the
         company of your new travel dates Failure to do so may             Refunds
         result in denial of your claim                                    Refunds are not available if a claim has been or will be submitted.
     Applicable to Trip Cancellation only                                  Applicable to Trip Cancellation/Trip Interruption
     1   When the reason for cancellation occurs prior to departure,       Insurance
         you must:                                                         Multi Trip Annual
         a) cancel the travel arrangements with the travel agent or        1 A full refund is available if you have not travelled, no
            airline on the day the reason for cancellation occurs or           cancellation penalties are applicable and the request for
            on the next business day; and,                                     refund is received prior to the effective date of the Policy
         b) advise OneWorld Assist Inc within the same period              2 A full refund less an administration fee is available, if you
                                                                               have not travelled, no cancellation penalties are applicable
     Exclusions                                                                and the request for refund is received no later than 30 days
                                                                               after the effective date of the Policy
     Applicable to Trip Cancellation/Trip Interruption
     Insurance and Trip Interruption Insurance only                        Single Trip
     In addition to the general exclusions, this Insurance does not        A full refund less an administration fee is available only if:
     cover loss caused by or arising from:                                 1 the tour operator (airline etc ) cancels the trip and all
     1 Cancellation or interruption caused by or related to a                  penalties are waived; or,
         circumstance known to you prior to the date the trip is           2 you cancel the trip prior to the effective date of any
         booked or prior to purchase of the Policy, whichever occurs           cancellation penalties; or,
         later, and which might reasonably be expected to prevent or       3 the tour operator changes the travel date and if you are
         interrupt travel as booked                                            unable to travel on the new dates, the tour operator waives
     2 A sickness claim occurring within 72 hours after the                    all cancellation penalties
         purchase of the Policy if the Policy was purchased more           Applicable to Trip Interruption Insurance only
         than 72 hours after the transportation and/or commercial          Multi Trip Annual
         accommodations are booked                                         1 A full refund is available if you have not travelled and the
     3 Any pre-existing condition affecting you, your travelling               request for refund is received prior to the effective date of
         companion or business partner, employer or key employee               the Policy
         of either, or family member, business associate or host at        2 A full refund less an administration fee is available if you
         destination, unless the pre-existing condition was stable             have not travelled and the request for refund is received no
         during the 60 days prior to the date your trip is booked or           later than 30 days after the effective date of the Policy
         during the 60 days prior to the date the non-refundable
         deposit is paid, whichever occurs later                           Single Trip
                                                                           A full refund is available only if the coverage is cancelled prior
     4 Travel to visit an ailing family member where the medical
         condition or death of that family member is the cause of          to your departure date
         the claim
     5 Travel arrangements for which no premium was paid                   Accidental Death and Dismemberment
         before departure                                                  Insurance—Multi Trip Annual & Single Trip
     6 The non-issuance of a travel visa due to late visa
         application                                                       Air Flight/Common Carrier Accident:
     7 Terrorist activity                                                  Maximum sum insured–$100,000 per insured person, per trip
     8 Refundable tickets, if, as result of a trip cancellation, an        24-Hour Accident:
         airline refunds the amount paid for the purchase of a ticket      Maximum sum insured–$25,000 per insured person, per trip
         by you and does not charge you any cancellation penalties
         This Insurance will not provide reimbursement for any             Eligibility
         amounts that are refundable by the airline                        Multi Trip Annual and Single Trip
     9 Cancellation or interruption due to sickness or injury when a       You are eligible for coverage if:
         physician has not been consulted on or before your date and       1 You have not yet reached the age of 90 years at the time of
         time of departure or date and time of interruption or delay          application date of the Policy
                                                                           2 You are a Canadian resident

1                                                                                                                                               1
     Single Trip                                                           1   100% of the sum insured for loss of life, double
     1 You are a visitor to Canada purchasing this Insurance as                dismemberment or loss of sight in both eyes
        follows:                                                           2 50% of the sum insured for single dismemberment or loss of
        a) Prior to arriving in Canada, provided your travel                   sight in one eye
            arrangements are booked and Insurance is paid for in           Benefits for loss of life, limb or sight are payable for loss which
            Canada; or,                                                    occurs within 90 days of the date of the accident
        b) after arriving in Canada, for travel anywhere in the world      Any claim for indemnity for loss of life, dismemberment or
            provided the travel originates in Canada                       loss of sight must be substantiated by a certificate from the
                                                                           attending medical physician at the place of the accident
     Period of Coverage                                                    attesting to the actual injuries sustained
     Multi Trip Annual
     The policy begins at 12:01 AM on the effective date as shown on       Exclusion
     the application and continues in force for a period of one year       This Policy does not provide payment or indemnity for expenses
     from the effective date Coverage commences on the date and            incurred directly or indirectly as a result of:
     time you leave for your trip, provided the trip includes air travel
                                                                           1 Terrorist activity.
     and/or a pre-booked overnight stay away from your ordinary
     place of residence when the commitment to air travel and/or           Limitation
     pre-booked overnight stay is made prior to leaving your ordinary      The total aggregate limit is $10 million for any one accident
     place of residence                                                    or event
     Coverage terminates on the date and time you return to your
     ordinary place of residence, or at 12:00 Midnight on the expiry       Refunds
     date, whichever occurs first                                          Refunds are not available if a claim has been or will be submitted.
     Single Trip                                                           Multi Trip Annual and Single Trip
     Coverage commences on the date and time you leave for your            Refunds are available as follows:
     trip which is the same date as the effective date shown on the        1 When no travel has taken place:
     application provided the trip includes air travel and/or a               a) A full refund is available when the request for refund is
     pre-booked overnight stay away from your ordinary place of                   received PRIOR to the effective date of the Policy
     residence when the commitment to air travel and/or pre-booked
                                                                              b) A full refund less an administration fee is available when
     overnight stay is made prior to leaving your ordinary place of
                                                                                  the request for refund is received AFTER the effective
     residence Coverage terminates on the date and time you return
                                                                                  date provided the request for refund is received no later
     to your ordinary place of residence
                                                                                  than 30 days after the effective date and prior to the
                                                                                  expiry date of the Policy
     Covered Risks
     Air Flight/Common Carrier Accident                                    Single Trip
                                                                           1 In the case of early return a partial refund is available if you
     Death or dismemberment as a result of an injury sustained
                                                                              return to your ordinary place of residence and the refund
     during the period of coverage while:
                                                                              request is received by Travel Underwriters no later than 30
     1 Riding as a fare-paying passenger, entering or leaving an              days after your actual return date
         airplane or helicopter flight lawfully operated by a licensed
                                                                           2 A written request for refund, including proof of return to
         public air common carrier
                                                                              your ordinary place of residence, must be sent to Travel
     2 Riding as a fare-paying passenger, entering or leaving a               Underwriters Refunds will be calculated from the date of
         lawfully operated licensed public common carrier other               return All refunds will be subject to an administration fee
         than an air common carrier
     24-Hour Accident
     Death or dismemberment as a result of an injury sustained             Visitors to Canada Emergency Hospital/Medical
     during the period of coverage in any other situation not              Insurance—Single Trip
     specifically mentioned in 1 or 2 above

     Benefits                                                              Eligibility
                                                                           You are eligible for coverage if:
     In the case of your accidental death or certain losses resulting
     from accident, the company will pay to or on behalf of you, your      1 You have not yet reached the age of 90 years at the time of
     estate or other beneficiary, such benefits as defined below, but         application date of the Policy
     in no event shall payment exceed the maximum sum insured              2 You are a visitor to Canada, an immigrant awaiting
     under this section:                                                      provincial government health care coverage, or a returning
                                                                              Canadian


1                                                                                                                                               1
     3   The expenses you incur result from an acute, sudden and           •   Physician
         unexpected emergency                                                  The services of a physician.
     4   You have not been residing continuously in Canada for more        •   Ambulance services
         than two years                                                        The services of a licensed ambulance, including mountain
                                                                               and sea rescue, from the scene of the accident or place
     Period of Coverage                                                        of onset of the sickness to the nearest hospital
     Coverage commences on the effective date as shown on the              •   X-ray examinations
     application, subject to the waiting period requirements The               X-ray examinations and diagnostic laboratory procedures
     effective date must be on or after your arrival date in Canada            when performed at time of initial emergency
     Coverage terminates on the date you leave Canada to return to         •   Medicines and/or drugs
     your country of permanent residence or at 12:00 Midnight on               Medicines and/or drugs (excluding vitamins, minerals,
     the expiry date as shown on the application, whichever                    dietary supplements and over the counter medicines)
     first occurs                                                              that require a physician’s written prescription following
     This period of coverage is also applicable to the 24-Hour                 a consultation for a maximum period of 30 days (original
     Accident Insurance as stated in the section Visitors to Canada            pharmacy prescription receipts are required) While you
     Emergency Hospital/Medical Insurance, benefit number 7                    are confined to hospital, the company will reimburse the
     Additional benefit                                                        total cost of such medicines and/or drugs
                                                                           •   Rental of essential medical appliances
     Conditions                                                                Rental of essential medical appliances including but not
     Special Note: Travel worldwide during the period of coverage is           limited to wheelchairs, crutches and canes, but in no
     valid as long as the majority of the period of coverage is spent          event will the rental amount payable exceed the total
     in Canada Coverage is not applicable while in your country of             purchase price
     permanent residence                                                   •   Private duty nursing
                                                                               Private duty nursing services, performed by a registered
     Benefits                                                                  nurse (R N ) other than a relative, when ordered in
     Maximum limit–$150,000 per insured person, per trip                       writing by the attending physician expressly in lieu of
     If hospitalization or medical treatment due to a medical                  hospitalization
     emergency is required by you while travelling outside your         2. Other professional medical services
     country of permanent residence, the company will pay you or           Services of a licensed physiotherapist, chiropractor,
     the physician of your choice for all eligible medical expenses        chiropodist, osteopath and podiatrist for the relief of acute
     up to the sum insured To qualify for reimbursement, the               emergency pain up to a maximum limit of $500 per practitioner
     expenses must be medically necessary for the treatment of an          Chiropractic benefits are limited to the initial office visit
     acute, sudden and unexpected sickness or accident                  3. Emergency air transportation
     The following expenses will be reimbursed up to the maximum           This benefit is payable only when pre-approved and
     aggregate benefit limit as shown on the application for which         arranged by OneWorld Assist Inc.
     the appropriate premium has been paid:                                a) Medical air evacuation to the nearest medical facility
     1. Emergency medical treatment                                           equipped to provide the required treatment, or for return
         The company agrees to pay you or your physician and                  to your country of permanent residence; or,
         hospital directly in respect of the expenses set out              b) the cost of a return economy airfare on a commercial
         below for losses incurred in excess of the amount of the             flight via the most direct route for a qualified medical
         deductible as shown on the application, per insured per              attendant, other than a relative, to accompany you when
         covered claim                                                        an attendant is medically necessary or required by
         • Hospital confinement and treatment                                 the airline
           Emergency hospital confinement (limited to semi-private         This benefit is limited to the maximum aggregate benefit,
           accommodation) and/or emergency medical treatment by            which is indicated on the application and for which the
           a physician for the actual, usual and customary charges         appropriate premium has been paid.
           for reasonable and necessary hospital and medical
           expenses This expense includes three follow-up visits        4. Additional board and lodging
           (not including ongoing treatment), when the medical             The company will reimburse up to $100 per day to a
           process in dealing with the emergency requires such             maximum of $1,000, in the event you or your travelling
           follow-up visits The follow-up visits must take place           companion are confined to hospital on the date on which
           within 14 days of the initial emergency In the case of          you are scheduled to return to your country of permanent
           hospital confinement any coverage related to the hospital       residence, for reasonable and necessary commercial
           confinement terminates upon release from hospital               accommodation, meals, telephone calls, taxi or bus fare


20                                                                                                                                         21
        and for other insureds who remain with you or your                     was recommended, and for which results had not yet been
        travelling companion while hospitalized                                received at the time of departure from country of permanent
     5. Dental services                                                        residence This includes tests, which were recommended
        Benefits are payable to a maximum limit of $4,000 for an               or scheduled prior to departure, but had not yet taken place
        accident requiring the repair or replacement of sound natural          at the time of departure
        teeth or permanently attached artificial teeth Also, benefits      5   Tests and investigative consultation, including but not
        are payable for other emergency treatment for dental                   limited to biopsies, except when performed at the time of
        pain relief, other than pain caused by an accident, up to a            initial emergency sickness or injury
        maximum limit of $500 All dental treatment must be initiated       6   Medical treatment and expenses incurred while in your
        within 48 hours from the time the emergency began and                  country of permanent residence
        completed no later than 90 days after the treatment began          7   Any subsequent claim with respect to a sickness or injury,
     6. Repatriation                                                           which occurred during the effective term of this Insurance
        In the event of your death during a trip, as a result of an            and for which a claim has already been made or is pending
        accident or unexpected sickness covered under the Policy
        benefits, the company will reimburse for:                          Deductible
        a) preparation and return of your body, including the cost         This Policy will reimburse eligible medical expenses for losses
           of a standard shipping container (excluding the cost of a       incurred in excess of the amount of the deductible as shown on
           burial coffin) to your country of permanent residence to a      the application, per insured per covered claim This deductible
           maximum of $10,000; or,                                         applies to the portion of eligible expenses listed in section
        b) burial or cremation at the place of death (excluding cost       Benefits, under benefit number 1 Emergency medical treatment
           of a burial coffin or urn), in the event your body is not
           returned to your country of permanent residence, to a           Refunds
           maximum of $4,000                                               Refunds are not available if a claim has been or will be submitted.
     7. Additional benefit                                                 Refunds are available as follows:
        24-Hour Accident Insurance: Maximum sum insured–                   1 When no travel has taken place:
        $25,000                                                               a) A full refund is available when the request for refund is
        Refer to section Accidental Death and Dismemberment                      received PRIOR to the effective date of the Policy
        Insurance for details                                                 b) A full refund less a cancellation fee is available when the
        This benefit is not applicable for the Visitors to Canada                request for refund is received AFTER the effective date of
        Holiday Package                                                          the Policy provided the request for refund is received no
                                                                                 later than 30 days after the effective date and prior to the
     Exclusions                                                                  expiry date of the Policy
     In addition to the general exclusions, this Insurance does not        2 A partial refund is available if:
     provide payment or indemnity for expenses incurred directly or           a) You return to your country of permanent residence and
     indirectly as a result of:                                                  the refund request is received by Travel Underwriters
     1 A medical condition which existed prior to the effective                  no later than 30 days from the date you return to your
         date of the Policy or any condition wholly or partly, directly          country of permanent residence; or,
         or indirectly, related thereto                                       b) you become eligible and covered under a provincial
     2 Any loss incurred as a result of sickness that originated or              or territorial government health care plan during the
         was symptomatic during the waiting period:                              period of coverage and the refund request is received
         a) the first 48 hours from the effective date of this Policy,           by Travel Underwriters no later than 30 days from the
            if this Policy was purchased prior to your arrival date in           date you became covered under a provincial or territorial
            Canada or within 60 days of your arrival date in Canada; or,         government health care plan
         b) within the first seven days from the effective date of this    3 A written request for refund, including proof of your
            Policy, if this Policy was purchased 61 days or more after        return to your country of permanent residence or proof
            your arrival date in Canada                                       of the date, you became covered under a provincial or
                                                                              territorial government health care plan must be sent to
     3 Loss of or damage to prescription glasses, contact lenses,
                                                                              Travel Underwriters Refunds will be calculated from the
         prosthetic devices, hearing aids
                                                                              date you become covered under a provincial or territorial
     4 Conditions or any related conditions for which, prior                  government health care plan All refunds will be subject to
         to arrival date in Canada, testing or investigative                  an administration fee
         consultation took place, was scheduled to take place or




22                                                                                                                                               2
     Baggage Insurance—Single Trip                                          2 Payment of loss–Any claim hereunder for damage and/or
                                                                              destruction shall be paid immediately after presentation
     Maximum sum insured–$1,500 per insured person                            to OneWorld Assist Inc of evidence substantiating such
     Maximum sum insured–$3,000 per family                                    damage and/or destruction, and any claim payable
                                                                              hereunder for lost property shall be paid immediately
     Eligibility                                                              following the failure to recover the lost property for a period
     You are eligible for coverage if:                                        of seven days, providing you present evidence of such loss
     1 You have not yet reached the age of 90 years at the time of            and the values involved
        application date of the Policy                                     3 Valuation–Lloyd’s Underwriters shall not reimburse beyond
     2 You are a Canadian resident; or,                                       the actual cash value of the property at the time any loss or
                                                                              damage occurs
     3 You are a visitor to Canada purchasing this Insurance as
        follows:                                                            4 Reduction in amount of insurance–Upon the occurrence of
                                                                              any loss covered hereunder, the amount of insurance and
        a) Prior to arriving in Canada, provided your travel
                                                                              the applicable limit is reduced by the amount of such loss
            arrangements are booked and Insurance is paid for in
            Canada; or,
                                                                           Limitation
        b) after arriving in Canada, for travel anywhere in the world
                                                                           Coverage for risk of loss of or damage to your property for any
            provided the travel originates in Canada
                                                                           single item is limited to not more than 25% of the sum insured
     Period of Coverage                                                    per person per claim
     Coverage commences on the date and time you leave for your            Exclusions
     trip which is the same date as the effective date shown on
                                                                           This Policy does not provide payment or indemnity for expenses
     the application provided the trip includes air travel and/or a
                                                                           incurred directly or indirectly as a result of loss or damage to:
     pre-booked overnight stay away from your ordinary place of
     residence when the commitment to air travel and/or                    1 Animals; self-propelled conveyances of any kind or
                                                                               their equipment; trailers, boats, motors, aircraft or other
     pre-booked overnight stay is made prior to leaving your
                                                                               conveyances or their appurtenances; bicycles except while
     ordinary place of residence Coverage terminates on the date
                                                                               checked as baggage with a common carrier; household
     and time you return to your ordinary place of residence
                                                                               effects and furnishings; artificial teeth and limbs; hearing
     Benefits                                                                  aids; eye glasses, contact lenses; money (except as
                                                                               provided for currency), securities, tickets and documents;
     Baggage and Personal Effects                                              personal computers, software, pagers or cellular phones;
     Lloyd’s Underwriters agree to pay for the loss, damage,                   professional or occupational equipment or property;
     destruction or theft of personal effects owned by you while               antiques and collectors items; property illegally acquired,
     in transit, or while in any hotel or other building, en route             kept or stored, or transported; works of art, jewellery, furs,
     anywhere in the world, on land or water or in the air                     cameras or camera equipment
     Currency                                                              2 Loss or damage caused by wear and tear, deterioration,
     Lloyd’s Underwriters agree to pay for loss of currency through            moths or vermin
     theft or robbery of personal currency (excluding unexplained          3 Property insured under other insurance
     disappearance; police report required), up to a limit of $100
     Flight Delay                                                          Refunds
     Lloyd’s Underwriters agree to pay for personal necessities if         Refunds are not available if a claim has been or will be submitted.
     your flight is delayed beyond 12 hours (airline confirmation of       Refunds are available as follows:
     delay required) up to a limit of $200                                 1 When no travel has taken place:
                                                                              a) A full refund is available when the request for refund is
     Conditions                                                                  received PRIOR to the effective date of the Policy
     1   Notice of loss–If the insured property is lost or damaged
                                                                              b) A full refund less an administration fee is available when
         through perils insured against, you must notify OneWorld
                                                                                 the request for refund is received AFTER the effective
         Assist Inc within 30 days of return from journey and take all
                                                                                 date provided the request for refund is received no later
         reasonable measures to protect, save and/or recover the
                                                                                 than 30 days after the effective date and prior to the
         property, and promptly notify either police, hotel proprietors,
                                                                                 expiry date of the Policy
         steamship lines, railroad or station authorities, airlines or
         any other carrier or bailee in whose custody the property         2 In the case of early return a partial refund is available if you
         was at the time of loss, damage or theft This coverage is            return to your ordinary place of residence and the refund
         conditional upon your compliance with this clause                    request is received by Travel Underwriters no later than 30
                                                                              days after your actual return date


2                                                                                                                                               2
     3   A written request for refund, including proof of return to        Refunds
         your ordinary place of residence, must be sent to Travel          Refunds are not available if a claim has been or will be submitted.
         Underwriters Refunds will be calculated from the date of          A full refund less an administration fee is available only if:
         return All refunds will be subject to an administration fee       1 the tour operator (airline etc ) cancels the trip and all
                                                                               penalties are waived; or,
     All Inclusive Holiday Package—Single Trip                             2 you cancel the trip prior to the effective date of any
                                                                               cancellation penalties; or,
     This Insurance is subject to the benefits, terms, conditions,         3 the tour operator changes the travel date and if you are
     limitations and exclusions as specified for each of the                   unable to travel on the new dates, the tour operator waives
     Insurance coverages listed below:                                         all cancellation penalties
     Emergency Excess Hospital/Medical
     Maximum limit–$5,000,000
                                                                           Rental Car Protection—Single Trip
     Trip Cancellation/Trip Interruption
     Sum insured prior to departure–Up to the limit of Insurance
     purchased                                                             Eligibility
     Sum insured after departure–$25,000                                   This Insurance is only available to those persons holding a valid
                                                                           driver’s license, and not over the age of 90 years at the time of
     Air Flight/Common Carrier Accident
                                                                           application date of the Policy
     Sum insured–$100,000
     24-Hour Accident                                                      Benefits
     Sum insured–$25,000                                                   In consideration of the payment of the required premium and
     Baggage                                                               in consideration of the use of a leased or rented automobile by
     Sum insured–$500                                                      you, the company agrees to indemnify you, up to a maximum
                                                                           liability of $50,000, for loss due to physical damage or loss of
     Refunds                                                               such automobile
     Refunds are not available if a claim has been or will be submitted.   Indemnity will be limited to the amount of loss which would
     A full refund less an administration fee is available only if:        have been waived had you purchased collision damage waiver
     1 the tour operator (airline etc ) cancels the trip and all           from the car rental or leasing agency or company less:
         penalties are waived; or,                                         1 any amount payable by your own automobile insurance
     2. you cancel the trip prior to the effective date of any                 policy, and
         cancellation penalties; or,                                       2 any amount assumed, waived or paid by the rental or
     3 the tour operator changes the travel date and if you are                leasing agency or company or its insurer
         unable to travel on the new dates, the tour operator waives
         all cancellation penalties                                        Period of Indemnity
                                                                           Coverage commences either at the time control is taken by you
                                                                           of the rented or leased vehicle or on the effective date of the
     Visitors To Canada Holiday Package—Single Trip                        Policy, whichever is later and ends at the earliest of:
     This Insurance is subject to the benefits, terms, conditions,         1 the time the rental or leasing agency or company assumes
     limitations and exclusions as specified for each of the                   control of the vehicle; or,
     Insurance coverages listed below:                                     2 the time the rental or lease agreement expires or is terminated;
                                                                               or,
     Visitors to Canada Emergency Hospital/Medical
     Maximum limit–Up to the limit of Insurance purchased                  3 the expiry date of the Policy
                                                                           The effective and expiry dates are determined by the dates
     Trip Cancellation/Trip Interruption
                                                                           you established with a) travel agent at the time of purchase
     Sum insured prior to departure–Up to the limit of Insurance
                                                                           or rental; or, b) leasing agency or company at the time of
     purchased
                                                                           purchase, whichever applies
     Sum insured after departure–$25,000
     Air Flight/Common Carrier Accident                                    Conditions
     Sum insured–$100,000                                                  1   There is a deductible of $100 CAD which each insured must
     24-Hour Accident                                                          incur before becoming entitled to benefits
     Sum insured–$25,000                                                   2   No coverage is provided for any form of third party
     Baggage                                                                   automobile liability or personal accident insurance benefits
     Sum insured–$500

2                                                                                                                                               2
     3   No coverage is provided if collision damage waiver is                     be declared or undeclared), civil commotion, overthrow
         purchased from the rental agency or company                               of the legally constituted government, military or usurped
     4   No coverage is provided unless all terms and conditions of                power, explosions of war weapons, utilization of nuclear,
         the rental or lease agreement or contract have been met                   chemical or biological weapons;
         and no restrictions are violated                                      b) death or disablement in any way caused by or
     5   Losses in excess of $700 must be documented by a police                   contributed by radioactive contamination; or
         report                                                                c) any action taken in controlling, preventing or
     6   Such automobile is leased or rented from a duly authorized                suppressing any, or all of a) or b) above
         rental or leasing agency or company                              2    Suicide or attempt thereat, self-inflicted injury, or the
     7   The automobile is not used for carrying passengers for                commission or attempted commission of any crime
         compensation or hire or for commercial vehicle                        or offence
                                                                          3    Pregnancy, routine pre-natal care, a child born during your
     Exclusions                                                                trip, childbirth or complications thereof occurring within the
     This Insurance does not cover:                                            nine weeks immediately before or after the expected date
     1 Operation of the vehicle contrary to the terms of the                   of delivery
         rental contract that results in damage or damage-related         4    A trip that is undertaken:
         expenses                                                              a) against physician’s advice; or
     2 Bodily injury to or for the death of any person under this              b) after diagnosis of a terminal condition
         Insurance                                                        5    Any medical condition or recognized complication of a
     3 Damage to the property of third persons other than damage               condition, where the purpose of your trip is to seek medical
         to the rental car of the licensed car rental agency                   treatment or advice for that condition, and where the
     4 Expenses resulting from any kind of race or speed contest               medical evidence indicates the medical treatment is related
     5 Vehicles that are not private passenger vehicles or station             to that condition
         wagons                                                           6    A medical condition for which treatment or hospitalization
                                                                               could have reasonably been expected
     Refunds                                                              7    Injury or sickness while scuba diving unless you are
     Refunds are not available if a claim has been or will be                  certified by an internationally recognized and accepted
     submitted.                                                                program (NAUI, PADI)
     Refunds are available as follows:                                    8    Injury or sickness while participating in professional sport
     1 When no travel has taken place:                                         activities
        a) A full refund is available when the request for refund is      9    Psychotherapeutic treatment or rehabilitative treatment,
           received PRIOR to the effective date of the Policy                  psychological, emotional or mental disorders.
        b) A full refund less an administration fee is available when     10   Any elective (non-emergency) treatment or surgery
           the request for refund is received AFTER the effective         11   Air ambulance or other medical evacuation by air unless
           date provided the request for refund is received no later           pre-approved and arranged by OneWorld Assist Inc
           than 30 days after the effective date and prior to the         12   Treatment or services that contravene any provisions of any
           expiry date of the Policy                                           provincial government health care plan of the province or
     2 In the case of early return a partial refund is available if you        territory in which you reside
        return to your ordinary place of residence and the refund         13   Treatment, services or prescriptions required for ongoing
        request is received by Travel Underwriters no later than 30            care or check-ups, or provided in a psychiatric hospital,
        days after your actual return date                                     chronic care facility of a hospital or convalescent or
     3 A written request for refund, including proof of return to              nursing home, health spa, or rehabilitation centre
        your ordinary place of residence, must be sent to Travel          14   The consumption or abuse of any alcohol, drugs, or
        Underwriters Refunds will be calculated from the date of               medication, or any event, act or omission caused or
        return All refunds will be subject to an administration fee            contributed to by the use or abuse of alcohol, drugs or
                                                                               medication
     General Exclusions                                                   15   A condition arising out of or resulting from Acquired
                                                                               Immune Deficiency Syndrome (AIDS) or AIDS Related
     In addition to the exclusions specified in each Insurance                 Complex (ARC) if the condition first manifested itself prior
     coverage, this Insurance does not provide payment or indemnity            to the effective date of coverage or if the condition arose
     for expenses incurred directly or indirectly as a result of:              out of Human Immunodeficiency Virus (HIV) which had
     1 a) War, civil war, riot, rebellion, insurrection, revolution,           first been diagnosed or that manifested itself prior to the
            invasion, hostilities or warlike operations (whether war           effective date


2                                                                                                                                              2
     16 Expenses incurred as a result of the insured’s failure to          4    Due Diligence–You must act at all times so as to minimize
        accept or follow the physician’s advice, treatment or                   the costs to the company
        recommended treatment                                              5    Currency–Any dollar amount expressed as a limit of
     17 Unless otherwise stated in this Policy (see General Condition,          coverage or benefit payable under this Policy is deemed by
        number 2), expenses incurred if other insurance policies,               the company to be in Canadian currency
        plans or contracts, including any private or provincial            6    You shall be responsible for the verification of any hospital
        automobile insurance, cover the loss If, however, the loss              and medical expenses incurred and shall obtain itemized
        exceeds the limits of the other policies, plans or contracts, if        accounts of all hospital and medical services which have
        this insurance covers losses or periods not covered by those            been provided
        other policies, plans or contracts, this Insurance shall then      7    If any of the terms or conditions of this Policy are in conflict
        apply in excess of all other valid insurance                            with the statutes of the province or territory in which this
                                                                                Policy is issued, the terms and conditions are hereby
     General Conditions                                                         amended to conform to such statutes
                                                                           8    In the event of your medical treatment or other
                                                                                circumstances that have led or may lead to a claim under
     Provisions and Conditions                                                  this Policy, you authorize any hospital, physician or other
     1   Qualification, Misrepresentation and Fraud–The coverage                person or organization that has records or knowledge of
         under this Policy shall be void if you do not meet the                 you or your health, medical history or other information
         eligibility requirements for the plan selected as set out in           relevant to the claim to provide that information to the
         the application The eligibility requirements are material              company or OneWorld Assist Inc and authorize the
         to the risk for which Insurance is sought If you qualify               company and OneWorld Assist Inc to use and disclose
         for the coverage selected but fail to answer truthfully                that information for the purpose of determining whether
         and accurately any question asked in or at the time of                 any claim that may be made is covered by this Policy or by
         application, any claim will be subject to an extra deductible          another plan or Policy
         of $10,000 in addition to any other applicable deductible         9    In the event of a claim, you may be required to establish the
         amount, and no future coverage will be provided under this             date of departure and initially planned date of return of the
         Policy unless you pay the additional premium reflecting true           trip in order to comply with the terms of the Policy
         and accurate answers to those questions In addition, the
                                                                           10   If requested by the company or Travel Underwriters or
         coverage under this Policy shall be void if, before or after           OneWorld Assist Inc you must furnish or consent to the
         a loss, you or your representative misrepresent, conceal               release of your medical records for the relevant period prior
         or fail to disclose any material fact or matter, or if there is        to the effective date and/or during the term of the insurance
         any fraud or false swearing by you or your representative,             required in order to determine if the claim is payable
         pertaining to you or any claim under this Policy                       Failure to produce these records will invalidate your claim
     2   Subrogation–The company will not subrogate against
                                                                           11   Extensions to the Insurance term can only be considered
         any employment plans if the lifetime maximum limit for all             when the company is contacted prior to expiry date Any
         in-country and out-of-country benefits under that plan is              extension not authorized by Travel Underwriters will be
         $100,000 or less                                                       considered void
         If you acquire any right of action against any person, firm       12   In the event of unresolved disputes respecting any claim or
         or organization for loss covered hereunder, you shall, if              portion thereof, the following should be contacted: Travel
         requested by the company, assign and transfer such claim               Underwriters, 11th Floor, 6081 No 3 Road, Richmond, BC
         or right of action to the company and will permit suit to              Canada V6Y 2B2
         be brought in your name under the direction and expense
         of the company This right of subrogation is in addition           13   The availability, quality, results or effects of any medical
         to all other rights of subrogation existing under common               treatment assistance, hospitalization, transportation or your
         law, equity or statute You shall do nothing after a loss to            failure to obtain any of the above, is not the responsibility of
         prejudice the company’s rights of subrogation In the event             either the company or Travel Underwriters or any company
         that you make any legal claim against a third party based on           or agency providing services on their behalf
         an event that led to the payment of a claim under this Policy,    14   The company reserves the right to limit the requested
         you will include the amount of that claim in your legal claim          duration of coverage to whatever duration the premium
         against the third party, and will account to the company for           paid would have purchased, if payment received is
         any recovery from the third party                                      insufficient If you paid insufficient premium, the duration
     3   Misstatement of Age–If your age has been misstated to the              of coverage will be decreased to the period that would
         company, the coverage and/or premium may be adjusted in                have been provided for your age category Where no age is
         accordance with the correct age as of the date you became              provided, the highest premium for that length of trip applies
         covered Any premium adjustment is payable upon receipt
         of a premium notice
0                                                                                                                                                 1
     15 The company reserves the right to accept or to decline any        Applicable to Visitors to Canada Emergency Hospital/
        person as an insured                                              Medical Insurance and Visitors to Canada Holiday
     16 OneWorld Assist Inc has been appointed by the company             Package
        to be the sole provider of all assistance and claims              You can extend your period of coverage by calling your broker
        processing services                                               or Travel Underwriters during general business hours All
     17 In the case of duplicate benefits in this Policy claims are       extensions must be authorized by Travel Underwriters Please
        payable for one benefit only                                      refer to contact information on page 4
     18 The company and OneWorld Assist Inc shall comply with
        all applicable privacy legislation and regulations                Automatic Annual Renewal Option
     19 The company shall not be liable for any expense incurred
        after a period of 365 days has elapsed following the date on      This option is only available for persons 59 years and under.
        which the emergency first occurred or commenced during            When the automatic annual renewal option is selected as
        the period of coverage                                            indicated on the application of the Policy, your Policy will
     20 This Policy is void and does not provide any coverage if the      automatically renew on your Multi Trip Annual Policy’s renewal
        information provided at the time of application is not true       date provided valid credit card or banking information is on
        and accurate                                                      file and the premium is received and accepted A Policy will
     21 The law of the province or territory of Canada in which you       be issued to you for one year Before the renewal date of the
        ordinarily reside, or in which you are staying while a visitor    Policy, you will be notified of the details pertaining to your new
        to Canada, will govern this Policy, including all issues of its   Multi Trip Annual Policy If you do not wish to have a new Multi
        interpretation and performance Any legal action or other          Trip Annual plan automatically issued, please notify Travel
        proceeding related to or connected with this Policy that is       Underwriters by calling 1-800-663-5389
        commenced by you or anyone claiming on your behalf or by
        an assignee of benefits under this Policy must take place
        in the courts of the province or territory of Canada in which     Definitions
        you ordinarily resided or in which you purchased this Policy,
        and no other court has jurisdiction to hear or determine any      Applicable to All Plans
        such action or proceeding                                         Accident and injury means physical injury to an insured which
                                                                          occurs while Insurance under this Policy is in force, caused by
                                                                          violent external and accidental means, but does not include any
     Authorized Extensions to Period of Coverage                          injury caused by an event, act or omission which was caused
                                                                          or contributed to by the consumption of or abuse of any alcohol,
     You can extend your period of coverage by calling Travel
                                                                          drugs or medication by you
     Underwriters during general business hours All extensions
     must be authorized by Travel Underwriters                            Acute means initial or emergency short course (not chronic)
                                                                          treatment phase of a sickness or injury
     An administration fee may be charged in addition to the
     premium for the additional number of days required                   Application means the printed form, printed or electronic receipt,
                                                                          Policy declaration, group manifest or document provided by
     Please refer to contact information on page 4
                                                                          Travel Underwriters or one of its designated representatives The
     You must meet the following conditions:                              application forms part of the Insurance contract
     Applicable to all coverages                                          Canadian resident means a person who meets one or all the
     1   You have not submitted a claim and have no intent to submit      following conditions:
         a claim;                                                         a) is eligible for or has a provincial government health care
     2   Your period of coverage has not already expired;                      plan in place; or,
     3   Extensions are not available if total trip length exceeds two    b) is a Canadian citizen with a primary permanent residence in
         years from the effective date of the original Policy                  Canada; or,
     Applicable to Emergency Excess Hospital/Medical                      c) has landed immigrant status in Canada and a primary
     Insurance and Visitors to Canada Emergency Hospital/                      permanent residence in Canada
     Medical Insurance                                                    Common carrier means any land, air or water conveyance
     1   You have not seen a physician since your departure date or       operated by those whose occupation or business is
         the effective date of the Policy;                                transportation of persons or things for hire or reward, and that
     2   You are in good health                                           undertakes to carry all passengers indifferently who may apply
                                                                          for passage, so long as there is room, with no legal excuse for
                                                                          refusal, and that issues tickets and/or boarding passes



2                                                                                                                                             
     Company means Industrial-Alliance Pacific Life Insurance              while hospitalized Follow-up does not include further diagnostic
     Company and certain Lloyd’s Underwriters, severally and not           or investigative testing related to the initial emergency
     jointly                                                               Home province means your province or territory of ordinary
     Contracted means specified in the travel documents for the            residence in Canada
     insured trip with respect to any destination, date and time/place     Hospital means a legally constituted medical facility under
     of arrival or departure                                               the medical supervision of a physician, with either permanent
     Deductible means the portion of eligible expenses you must            facilities on the premises for surgery or a formal arrangement
     pay from your own pocket when an eligible claim occurs For all        with another institution making such facilities available, and
     medical insurance plans (except visitors to Canada plan), the         providing 24-hour nursing services The term hospital does not
     deductible applies to the expenses remaining after payment by         include convalescent, nursing, rest or skilled nursing facilities,
     your government health care plan                                      whether separate or a part of a regular general hospital,
     Delayed common carrier or delayed means delay solely due to           operated exclusively for the treatment of persons who are
     an unannounced and unpublished strike, weather conditions             mentally ill, aged, drug or alcohol abusers
     or hijacking Such delay coverage does not include loss from           Hospitalization or hospitalized means medical treatment in a
     or contributed by a) detention by customs officials, b) war, c)       hospital when admitted as an in-patient
     air traffic delays caused by congestion in the skies; and d)          Immediate family or family member means (whether by birth,
     mechanical breakdown                                                  adoption or marriage) your legal or common-law spouse,
     Dependent children means all unmarried dependent children             parents, step-parents, brothers, sisters, in-laws, natural or
     up to and including 21 years of age and under, residing in your       adopted children, stepchildren, stepbrother or stepsister,
     household, or up to 25 years if the child is a full-time student      grandparents, grandchildren, aunts, uncles, nieces, nephews,
     attending an educational institution or if the child is mentally      or any individual of whom you are a legal guardian
     challenged or physically handicapped Children named in the            Insured or insured persons means insured and all family
     application need not be travelling with you for coverage to           members named in the application attached to and forming part
     apply to them                                                         of this Policy
     Designated representative means an appointed agent of Travel          Lloyd’s Underwriters means certain Lloyd’s Underwriters as
     Underwriters                                                          identified in Contract No RC789102
     Elective (non-emergency) treatment or surgery means any               Medical treatment means any reasonable medical, therapeutic
     treatment, investigations or surgery either: a) not required for      or diagnostic measure prescribed by a medical physician in any
     the immediate relief of acute pain and suffering; or, b) which        form including prescribed medication, reasonable investigative
     reasonably could be delayed until you return to Canada (for           testing, hospitalization, surgery or other prescribed or
     Visitors to Canada - country of permanent residence); or, c)          recommended treatment directly referable to the condition,
     which you elect to have provided during insured trip following        symptom or problem Medical treatment does not include
     emergency medical treatment of a medical condition or the             either: a) the unchanged use of prescribed drugs or medication
     diagnosis of a medical condition, which on medical evidence           for a stable condition, symptom or problem; or, b) a check-up
     would not prevent you from returning to Canada (for Visitors          where the physician observes no change in a previously noted
     to Canada - country of permanent residence) prior to such             condition, symptom or problem
     treatment or surgery                                                  Medically necessary means the medical service or product
     Emergency means an unforeseen sickness or injury, which               in question is necessary to preserve, protect or improve your
     requires immediate medical treatment to alleviate existing            medical condition and well being
     danger to life or health An emergency no longer exists, when the      Minor ailment means a condition which does not require the
     medical evidence indicates that you are able to continue the trip     use of medication for a period of greater than 30 days, which
     or return to your province or territory of ordinary residence, (for   did not require follow-up or referral visit to a physician or
     Visitors to Canada your country of permanent residence) Once          other registered medical practitioner, or which did not require
     such emergency ends, no further benefits are payable in respect       hospitalization or surgical intervention
     of the condition which caused the emergency
                                                                           Physician means a medical physician who is currently
     Emotional or mental disorder means an emotional upset or              registered and licensed in accordance with the regulations
     condition, state of anxiety, situational crisis, anxiety or panic     applying in the jurisdiction where the physician practices
     attack, or other mental health disorders that may be treated
                                                                           Pre-existing condition means a medical condition, illness
     with tranquilizers or anti-anxiety medication
                                                                           or injury known to you, and for which you have received
     Family means individuals 59 years and under consisting of you,        medical consultation, diagnosis, and/or medical treatment
     all dependent children and/or your spouse                             by a physician prior to the commencement date of a covered
     Follow-up means re-examination of you to monitor the affects of       trip and includes a medically recognized complication or
     earlier medical treatment related to the initial emergency, except    recurrence of a medical condition

                                                                                                                                              
     Professional sport means a sporting activity from which you             Pre-existing condition means a medical condition, illness or
     earn the majority of your income                                        injury known to you and for which you have received medical
     Recurrence means the appearance of symptoms caused by or                consultation, diagnosis, and/or medical treatment by a physician
     related to a medical condition that was previously diagnosed            and includes a medical condition which occurs or develops as a
     by a physician or for which medical treatment was previously            progressive consequence of a pre-existing condition.
     received                                                                Schedule change means the later departure of an airline carrier
     Renewal date means the date one year from the effective date            causing you to miss your next connecting flight, or the earlier
     as indicated in the application                                         departure of an airline carrier rendering unusable the ticket
     Sickness means an acute illness requiring immediate                     you have purchased for your prior connector flight Schedule
     emergency treatment as a result of a sudden onset of                    change does not include a change resulting from a strike or a
     symptoms manifested while Insurance under this Policy is in             labour disruption
     force, but does not include any illness or symptoms caused              Sickness means an acute illness requiring immediate
     or contributed to by the consumption or abuse of any alcohol,           emergency treatment as a result of a sudden onset of
     drugs or medication by you                                              symptoms, but does not include any illness or symptoms
     Spouse means the person you are legally married to, or a                caused or contributed to by the consumption or abuse of any
     person you have been living with for a minimum period of one            alcohol, drugs or medication by you
     year and who is publicly presented as your spouse, regardless           Travelling companion means a person who has prepaid
     of sex                                                                  accommodation or transportation with you for the same insured
     Stable means the medical condition is not worsening and there           trip (maximum four persons including the insured)
     has been no alteration* in any medication for the condition or          Applicable to Accidental Death and Dismemberment
     its usage or dosage, nor any medical treatment prescribed or            Insurance
     recommended by a physician or received, within the period               Beneficiary means estate unless otherwise requested in
     specified in this Policy before the commencement date of a              writing
     covered trip                                                            Loss in respect of limbs means actual severance through or
     *Alteration includes an increase or decrease in medication dosage,      above wrist or ankle joints and, in respect of loss of sight,
     usage or a change in medication type, but does not include changes      means entire and irrecoverable loss of sight
     in brand due solely to the availability of your usual brand or due to
     government regulations regarding reference-based pricing.               Applicable to Visitors to Canada Emergency Hospital/
                                                                             Medical Insurance
     Terminal condition means a medical condition that, in the
                                                                             Accident means accident originating any time during the period
     opinion of a physician, indicates a restricted or shortened life
                                                                             this Policy is in force
     expectancy
                                                                             Loss means the actual expense incurred as a result of accident
     Terrorist activity means an act, or acts, of any person, or
                                                                             originating during the period this Insurance is in force or as a
     group(s), committed for political, religious, ideological, ethnic or
                                                                             result of sickness occurring after the effective date, subject
     similar purposes with the intention to influence any government
                                                                             to the waiting period, (but in either case, not prior to arrival in
     and/or but not be limited to, the use of force or violence and/or
                                                                             Canada) and during the period this Insurance is in force for
     the threat thereof Furthermore, the perpetrators of terrorist
                                                                             hospital confinement, medical and other expenses specified
     activity can either be acting alone, or on behalf of, or in
                                                                             in this Policy which occurs outside your country of permanent
     connection with any organization(s) or government(s)
                                                                             residence and which is payable by you
     Vehicle means an automobile, recreational vehicle, motorcycle,
                                                                             Sickness means sickness originating at any time during the
     boat or other land or water conveyance used for the covered trip
                                                                             period of this Insurance after the effective date of this Policy,
     You or your means the same as insured or insured persons                subject to the waiting period requirements
     Applicable to Trip Cancellation/Trip Interruption                       Waiting period means
     Insurance and Trip Interruption Insurance only                          a) if this Policy was purchased prior to arrival in Canada or
     Application date means the date when premium for this                        within 60 days of your arrival in Canada, then in respect of
     Insurance is paid                                                            any sickness you will only be entitled to receive benefits for
     Business meeting means a meeting that was pre-arranged                       the cost of eligible medical expenses incurred after the first
     before your effective date between companies with unrelated                  48 hours from the effective date of this Policy; or,
     ownership, pertains to your full-time occupation or profession,         b) if this Policy was purchased 61 days or more after your
     and was the primary purpose of your trip                                     arrival in Canada then in respect of any sickness you will
     Injury means accidental bodily injury                                        only be entitled to receive benefits for the cost of eligible
     Insured trip or trip means the period of travel for which prepaid            medical expenses incurred after seven days from the
     travel arrangements, contracted for by you, for which an                     effective date of this Policy
     insurance premium under this Policy has been paid

                                                                                                                                                 
     Applicable to Visitors to Canada Holiday Package, if the Policy        Failure to give notice or proof
     is purchased prior to arrival in Canada the waiting period             Failure to give notice of claim or furnish proof of claim within
     doesn’t apply                                                          the time prescribed by this statutory condition does not
     Applicable to Rental Car Protection                                    invalidate the claim if the notice or proof is given or furnished
                                                                            as soon as reasonably possible, and in no event later than one
     Automobile means a vehicle of the private passenger or station
                                                                            year from the date of the accident or the date a claim arises
     wagon type but excluding: trucks (except pick-up trucks with
                                                                            under the contract on account of sickness or disability if it is
     no attachments); off-road vehicles; motorcycles, motorbikes or
                                                                            shown that it was not reasonably possible to give notice or
     motor scooters; recreational vehicles; vans (except passenger
                                                                            furnish proof within the time so prescribed
     vans); campers or trailers; antique cars which are cars over 20
     years old or have not been manufactured for 10 years or more           Insurer to furnish forms for proof of claim
     Physical damage or loss means loss or damage to the                    The insurer must furnish forms for proof of claim within 15
     automobile (excluding tires unless coincidental with other loss        days after receiving notice of claim, but if the claimant has not
     or damage covered herein) caused by fire, theft, explosion,            received the forms within that time the claimant may submit his
     earthquake, windstorm, hail, rising water, malicious mischief, riot,   or her proof of claim in the form of a written statement of the
     civil commotion or collision with another object or by upset           cause or nature of the accident, sickness or disability giving
                                                                            rise to the claim and of the extent of the loss
                                                                            Rights of examination
     Statutory Conditions                                                   As a condition precedent to recovery of insurance moneys
                                                                            under this contract,
     The contract
                                                                            a) the claimant must afford to the insurer an opportunity to
     The application, this policy, any document attached to this
                                                                                examine the person of the person insured when and so
     policy when issued, and any amendment to the contract agreed
                                                                                often as it reasonably requires while the claim under this
     on in writing after the policy is issued constitute the entire             contract is pending, and
     contract, and no agent has authority to change the contract or
                                                                            b) in the case of death of the person insured, the insurer may
     waive any of its provisions
                                                                                require an autopsy subject to any law of the applicable
     Waiver                                                                     jurisdiction relating to autopsies
     The insurer is deemed not to have waived any condition of this
                                                                            When moneys payable
     contract, either in whole or in part, unless the waiver is clearly
                                                                            All money payable under this contract shall be paid by the
     expressed in writing signed by the insurer
                                                                            insurer within sixty days after it has received proof of claim
     Copy of application
                                                                            Limitation of actions
     The insurer must, upon request, furnish to insured or to a
                                                                            An action or proceeding against the company for recovery of
     claimant under the contract a copy of the application
                                                                            a claim under this policy shall not be commenced more than
     Material facts                                                         one year** after the date the eligible medical expense became
     A statement made by insured or person insured at the time of           reimbursable or would have become reimbursable if it had been
     application for this contract must not be used in defence of           a valid claim
     a claim under or to avoid this contract unless it is contained         **Two years in Ontario, Saskatchewan and the Northwest and Yukon
     in the application or any other written statements or answers          Territories, three years in the province of Quebec.
     furnished as evidence of insurability
                                                                            Applicable to Saskatchewan residents
     Notice and proof of claim
                                                                            Notwithstanding any other provisions herein contained, this
     Notice of a claim shall be given in accordance with the claims
                                                                            contract is subject to statutory conditions in Saskatchewan
     procedures clause included in this policy as soon as practical
                                                                            Insurance Act respecting contracts of accident insurance
     but in no case later than 30 days from the date a claim arises
     under this policy You must also within 90 days from the date the       Applicable to Quebec residents
     claim arises under this policy furnish such proof and additional       When the construction of this policy is governed by the law of
     information as is reasonably possible and if required by the           the Province of Quebec, statutory conditions shall refer to the
     company, furnish a certificate from a physician detailing the          applicable provisions in the laws of the Province of Quebec
     cause or nature of the sickness or injury for which the claim
     has been instituted




                                                                                                                                              
     Several liability notice                                              How To Claim
     The liabilities of the insurers listed in the definition of company
     are several and not joint, and are limited to the extent of their
                                                                           Claims Procedures and Payment of Benefits
     respective subscriptions to the risks that are insured by this
     policy Each insurer is not responsible for the subscription of        Keep these numbers handy when you travel. You can contact us
     the other insurers                                                    at the following numbers or visit us at
                                                                                                     www.oneworldassist.com
     Identification of Lloyd’s Underwriters
                                                                           In the event of a medical emergency, call OneWorld Assist
     This insurance has been effected in accordance with the
                                                                           immediately:
     authorization granted to the undersigned by certain Lloyd’s
     Underwriters, whose names and the proportions underwritten
                                                                           From Canada & USA                                              1-800-663-0399
     by them can be ascertained by reference to Contract No
     RC789102, which bears the seal of Lloyd’s Policy Signing Office       From Mexico                                                  001-800-514-9976
     and has been certified by the Attorney In Fact in Canada for          Outside N America & Mexico (global toll-free)                 *800-663-00399
     Lloyd’s Underwriters and may be seen at the office of the
                                                                           Worldwide (collect)                                           **604-278-4108
     undersigned The Underwriters identified in that contract shall
     be liable hereunder each for his own part and not one for             * To use the global toll-free service when you are travelling outside North
     another in proportion to the several sums subscribed by each of       America and Mexico, you must first dial the international access code (see
     them in that contract                                                 list below) to reach Canada, then enter our 11-digit toll-free number. For
                                                                           example, if you are in Australia, dial 0011 + 800-663-00399. Service not
     Action against company                                                available in all countries
     In any action to enforce the obligations of the Lloyd’s               Australia     0011                             Luxembourg        00
     Underwriters liable hereunder they may be designated or               Austria       00                               Macau             00
     named “Lloyd’s Underwriters” and such designation shall be            Belgium       00                               Malaysia          00
     binding on the Lloyd’s Underwriters liable hereunder as if they       China         00                               Netherlands       00
     had each been individually named as a defendant The other             Costa Rica    00                               New Zealand       00
     insurers listed in the definition of company shall be named as        Denmark       00                               Norway            00
     defendants in the manner set out in that definition                   Finland       00 or 990                        Philippines       00
     Service of legal proceedings to enforce the obligations under         France        00                               Portugal          00
     this policy of the insurers listed in the definition of company       Germany       00                               Singapore         001
     may be validly made by serving the offices of North American          Hong Kong     001                              South Africa      09
     Air Travel Insurance Agents Ltd d b a Travel Underwriters,            Hungary       00                               South Korea       001 or 002
     a licensed insurance broker, 11th Floor, 6081 No 3 Road,              Ireland       00                               Spain             00
                                                                           Israel        00                               Sweden            00
     Richmond, BC Canada V6Y 2B2
                                                                           Italy         00                               Switzerland       00
     Notice to company                                                     Japan         010 or 0061 010 or 0041          Taiwan            00
                                                                                         010 or 001 010 or 0033 010       United Kingdom    00
     Notice under this policy to any of the insurers listed in the
     definition of company may be validly given to North American          ** If you are not able to call from any of the numbers listed above or are
     Air Travel Insurance Agents Ltd d b a Travel Underwriters,            having trouble reaching us, please call us collect using one of the Canada
     a licensed insurance broker, 11th Floor, 6081 No 3 Road,              Direct access numbers listed on our website at www.oneworldassist.com.
     Richmond, BC Canada V6Y 2B2                                           A Canada Direct access number allows you to speak immediately with a
                                                                           Canadian operator. Once you are speaking with a Canadian operator simply tell
     In witness whereof this Policy has been signed as authorized          them you wish to make a collect call to one of the numbers listed above.
     by the insurers listed in the definition of company
     Per




     G Robinson, Executive Director




0                                                                                                                                                         1
     Applicable to All Claims                                             Applicable to Trip Cancellation/Trip Interruption
     1   Any notices of claim or correspondence concerning a claim        Insurance and Trip Interruption Insurance only
         should be promptly sent to:                                      1   To receive benefits, the following documents must be
                            OneWorld Assist Inc.                              submitted along with your notice of claim:
                          11th Floor, 6081 No. 3 Road                         a) The original unused airline ticket and/or all additional
                       Richmond, BC Canada V6Y 2B2                               travel tickets purchased to return home or to rejoin the
     2   Any cost incurred by OneWorld Assist Inc in obtaining                   tour
         further documentation required to confirm eligibility of your        b) Itemized travel agency dated invoices showing full
         claim is also the responsibility of the claimant                        payment, taxes and premiums paid for your trip
     3   Claim Forms will be provided to the claimant for completion          c) A statement from the travel agency/airline/tour operator
         and return to OneWorld Assist Inc It is the responsibility of           documenting refunds provided for cancelled or unused
         the claimant to complete and/or produce any documentation               tickets and/or cancelled or unused land and sea
         required by OneWorld Assist Inc to enable them to process               services
         and confirm the eligibility of the claim                             d) If the claim occurred prior to departure, a medical
     4   All required documentation must be received within one                  certificate provided by the physician at the time of
         year from the date of loss Failure to do so will result in the          consultation prior to the departure date and time, stating
         denial of the claim                                                     the diagnosis, date of onset of the condition, dates and
     5   To qualify for reimbursement, original, itemized receipts               type of treatment, and the reason why travel was not
         must be provided as support for all eligible expenses If                possible
         original, itemized receipts are not provided, the expense will       e) If the claim occurred after the trip began, a medical
         not be reimbursed                                                       certificate provided by the attending physician at
     6   To receive benefits, any requested supporting                           the place where the illness occurred, stating the
         documentation must be submitted along with your notice of               diagnosis, date of onset of the condition, dates and
         claim                                                                   type of treatment, and the reason why it was medically
                                                                                 necessary to return home
     Applicable to Emergency Excess Hospital/
     Medical Insurance                                                    Applicable to Baggage Insurance
     1   OneWorld Assist Inc will submit a claim for medical              1   If baggage is lost or stolen, proof of loss (copy of notice
         expenses to your provincial government health care plan              and/or police report) is necessary to substantiate claim
         offices PROVIDED THAT the Claim Form, as well as the             2   If baggage is damaged, a written estimate to repair
         appropriate Provincial Assignment Form are completed in              damaged luggage from a repair shop of your choice (if
         full and forwarded together with receipts from physicians            under $25, please have repairs completed and forward the
         or hospitals along with medical certificate(s) from attending        invoice to us) is necessary to substantiate claim
         physician(s) within the time frame provided The claim must       3   If baggage is delayed, proof of delay is required and copies
         be submitted to your provincial government health care               of itemized and dated receipts for personal necessities is
         plan offices within 90 days from the date of service If you          necessary to substantiate claim
         fail to meet this time line, you will be responsible for the     Applicable to Rental Car Protection
         provincial government health care plan portion
                                                                          1   To receive benefits, the following documents must be
     2   Claims will not be considered unless the Claim Form is               submitted along with your notice of claim:
         completed in full and signed by the claimant (or legally
                                                                              a) A copy of the police accident report
         authorized representative) If requested by OneWorld
         Assist Inc a Certificate of Canadian Physician must also             b) A copy of the lease or rental contract
         be completed Failure to provide fully completed forms will
         invalidate your claim
     Applicable to Emergency Excess Hospital/Medical
     Insurance and Visitors to Canada Emergency Hospital/
     Medical Insurance
     1   Only bills from physicians, hospitals and other medical
         care provider(s) that are original itemized and which state
         insured’s name, diagnosis, date(s) of service and type
         of treatment or service will be considered Only original
         pharmacy prescription receipts will be considered For all
         other benefits, original itemized receipts are required




2                                                                                                                                            
     International Assistance Services
     The following services will be provided to all Policyholders:
     1 Toll-free help line 24 hours a day, every day
     2 Vital communications link between claimant/hospital
        regarding insurance coverage and procedures
     3 Medical (physician and surgeon) consultative and advisory
        services including review of appropriateness and analysis
        of medical care
     4 Monitoring of progress during treatment and recovery
     5 Establishing contact with family, personal physician and/or
        employer as appropriate
     6 Multilingual capabilities
     7 Coordination of payments
     8 Special assistance respecting claims
     9 Management, arrangement and authorization of emergency
        medical evacuation
     10 Arrangement and coordination of repatriation of remains
     11 Interpretation of policy wordings
     12 Assistance in locating the nearest and most appropriate
        medical care
     13 Payment to hospitals and other medical providers for
        emergency medical expenses will be guaranteed where
        possible relieving claimant of credit responsibilities
     14 Travel arrangements assistance for family members
     15 Provision of medical assistant to travel with claimant when
        necessary
     16 In addition to physicians, hospitals/administrators and
        ambulance, arrangements and communications are
        concluded on your behalf with:
        Consulates          Travel Agents
        Embassies           Tour Guides
        Airlines            Police
        Foreign Affairs Department
     17 Legal referral services in order to meet the legal needs of
        travellers

     To access this service call:
          1-800-663-0399 (in Canada & USA)
        001-800-514-9976 (in Mexico)
            604-278-4108 (collect call Worldwide)
         800-663-00399 * (outside North America and Mexico)
     * To use this global toll-free service, first dial the international access code
     for the country you are in, then enter the 11-digit toll-free number as shown
     above. Service not available in all countries. If you encounter problems
     accessing this service, please call us collect at 604-278-4108.




                                                                                      

Freedom Travel Insurance is administered by North American Air Travel Insurance Agents Ltd., d.b.a. Travel
Underwriters, a licensed insurance broker, 11th Floor, 01 No.  Road, Richmond, BC Canada VY 2B2.
Insurance is underwritten by Industrial-Alliance Pacific Life Insurance Company and certain Lloyd’s
Underwriters, severally and not jointly.


                                                                                               FG PW EN (08/06)