Travel Medical Insurance

Please read this document carefully.

Important:

In the event of an Emergency which requires assistance, medical treatment or hospitalization, You must contact the Assistance Provider at 1-877-887-2757 U.S.A. and Canada (Toll Free) or (519) 742-7784 From Elsewhere (Call Collect) prior to admission to Hospital or within 24 hours after a life or organ threatening Emergency, unless You are unconscious or physically unable. As an alternative, someone else (family member, Travelling Companion, hospital or medical staff) may call on Your behalf. If You do not contact the Assistance Provider, you will be responsible for paying 30% of any Eligible Expenses incurred.

You must meet all of the following Eligibility Requirements on Your Departure Date from Your province or territory of residence. If Your health changes between the date You completed and signed Your Application and Your Departure Date, You must make sure You continue to meet the Eligibility Requirements for coverage.

2. You have not been diagnosed with a "Terminal Illness".

3. You have not been advised by a Physician against travelling because of an existing medical condition or injury.

4. You have not had coronary angioplasty or coronary artery by-pass surgery performed:

a) within the past 24 consecutive months; or

b) more than 8 years prior to the date of Your Application for this insurance; or

c) on two or more separate occasions during Your lifetime.

5. In the twenty-four (24) consecutive months prior to the date of Application:

(COUNT YOUR MEDICAL CONDITIONS - NOT YOUR MEDICATIONS)

Medical Conditions:

1. Alzheimer’s disease
2. Cardiac condition including angina, aortic valve disease, congestive heart failure, heart attack, Transient Ischemic Attack (TIA), myocardial infarction, irregular heart beat, arterial or heart surgery of any kind, including but not limited to coronary artery by-pass, angioplasty or pacemaker implant
3. High Blood Pressure (Hypertension)
4. Narrowing or blockage of an artery or aneurysm, including aortic or cerebral, or blood clots
5. Chronic Lung Disease, Chronic Obstructive Pulmonary Disease (COPD) Including but not limited to asthma, emphysema, Chronic Bronchitis or Pulmonary Embolism for which You had taken Prednisone or used Home oxygen
6. Cancer or malignant tumors or malignant melanoma, excluding skin cancer
7. Chronic digestive or chronic bowel disorders
8. Gastrointestinal bleeding
9. Hepatitis or Cirrhosis of the liver
10. Kidney or urinary track disorders, such as chronic cystitis or renal failure
11. Diabetes treated by insulin or other medication

You are not eligible and do not qualify to purchase this insurance if You do not satisfy all of the Eligibility Requirements stated in Sections 1) through 5) above.

IMPORTANT:

If your health changes between the date You completed, signed and submitted Your Application for this insurance and Your Departure Date, You must continue to meet the Eligibility Requirements for coverage. If You do not meet the Eligibility Requirements prior to Your Departure Date, You must cancel Your policy and apply for a full refund of the premium paid.

In the event of a claim, your medical records will be obtained to verify your Eligibility and Plan Qualification.