Glossary of Terms
We've put together the following list of glossary terms to help you get more familiar with the terminology used to discuss Travel HealthProtector® insurance.
To quickly access a particular group of glossary terms, simply click on any letter that is underlined:
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Accidental bodily injury - bodily injury caused by an accident of external origin occurring during the period of insurance and being the direct and independent cause of the loss.
Application for insurance - the printed form, computer printout, invoice or document provided by your RBC Royal Bank branch, through your online application or the Enrollment Centre, which confirms the insurance coverage you have purchased. The application for insurance forms part of the insurance contract.
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Change in medication - the addition of any new prescription drug, the withdrawal of any prescription drug, an increase in the dose of any prescription drug or a decrease in the dose of a prescription drug.
Exceptions:
- an adjustment in the dosage of insulin or Coumadin (Warfarin), if you are currently taking these drugs;
- a change from a brand name drug to an equivalent generic drug of the same dosage.
Children - unmarried persons:
- under 21 years of age; or
- under 26 years of age if full-time students; or
- mentally or physically handicapped and over 20 years of age; and
who are your natural, adopted or step-children and are dependent on you for support.
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Deductible - the dollar amount for which you are liable for each claim, as stated on your application for insurance, before any remaining eligible expenses are reimbursed under this insurance.
Departure Point - the place you depart from on the first day, and return to on the last day, of your intended travel period.
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Effective date -
- for all coverages except Flight Accident and Top-up coverage:
the date on which you are scheduled to leave your departure point. For any Single Trip Plan, your effective date is shown on your application for insurance. This date cannot be more than 120 days from the date of your application for insurance.
- under Flight Accident:
the date and time shown on your transportation ticket.
- under Top-up coverage:
12:01 a.m. on the day following the date of expiry of your prior coverage.
Emergency - any sudden and unforeseen event that begins during the period of insurance and makes it necessary to receive immediate treatment from a licensed physician or to be hospitalized. An emergency ends when the medical advisors of Assured Assistance Inc. or RBC Insurance Company of Canada determine that you are medically able to return to your home country.
Emergency treatment - medical treatment or surgery for an emergency, that is required for the immediate relief of an acute symptom, or upon the advice of a licensed physician cannot be delayed until you return to your home country, and has to be received during your trip because your medical condition prevents you from returning to your home country. The treatment or surgery must be:
- ordered by or received from a licensed physician during your trip; or
- received in a hospital during your trip; or
- received from a licensed physiotherapist, chiropractor, chiropodist, podiatrist or osteopath, as a result of an emergency that occurs during your trip.
Expiry date - the date on which your coverage ends under this insurance. This date is 365 days from your start-up date under any Multi-Trip Annual Plan.
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Family -
- a client of the RBC Financial Group companies,
- his or her spouse, and
- unmarried children:
- under 21 years of age; or
- under 26 years of age if full-time students; or
- mentally or physically handicapped and over 20 years of age;
and who are dependent on you for support.
Family coverage - the coverage that you and your children have when a family coverage option is available and the required premium has been paid.
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Government health insurance plan - the health insurance coverage that Canadian provincial and territorial governments provide for their residents.
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Hospital - an establishment that is licensed as an accredited hospital, is operated for the care and treatment of in-patients, has a Registered Nurse always on duty, and has a laboratory and an operating room on the premises or in facilities controlled by the establishment. Hospital does not mean any establishment used mainly as a clinic, extended or palliative care facility, rehabilitation facility, addiction treatment centre, convalescent, rest or nursing home, home for the aged or health spa.
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Immediate family - spouse, parent, legal guardian, legal ward, step-parent, grandparent, grandchild, in-law, natural or adopted child, step-child, brother, sister, step-brother, step-sister, aunt, uncle, niece, nephew.
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Medical Condition - accidental bodily injury or sickness (or a condition related to that accidental bodily injury or sickness), including disease, acute psychoses and complications of pregnancy occurring within the first 31 weeks of pregnancy.
Medical questionnaire - the questions that must be answered correctly at the time of application for insurance, and that, once completed, forms part of the insurance contract. Your medical condition at the time of completion of the medical questionnaire determines the terms of coverage and/or the premium that apply to you.
Multi-Trip Annual Plan - insurance coverage for an unlimited number of 15-,30-,60-day trips taken within 365 days following the enrolment date depending on the option chosen. If you decide to take a trip that is longer than your selected trip length, simply call the Enrollment Centre at 1-800-565-3129 and charge the additional premium to your bank or trust company credit card. Coverage may be renewed automatically each year.
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Network - the hospitals, physicians and other medical service providers recognized by us at the time of the emergency.
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Period of Insurance - the period of time between your effective date and your return date.
Physician - someone who is not you or a member of your immediate family who is licensed to prescribe drugs and administer medical treatment (within the scope of such licence) at the location where the treatment is provided. A physician does not include a naturopath, herbalist, chiropractor or homeopath.
Prescription drug - drug or medicine that can only be issued upon the prescription of a licensed physician or dentist and is dispensed by a licensed pharmacist. Prescription drug does not mean such drug or medicine, when you need (or renew) them to continue to stabilize a condition which you had before your trip, or a chronic condition.
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Return date -
- for all coverages other than Flight Accident:
the date on which you are scheduled to return to your departure point.
This date is shown on your application for insurance, under all coverages except any Multi-Trip Annual Plan.
- under Flight Accident:
the return date and time shown on your transportation ticket.
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Single-Trip Plan - insurance coverage for any single trip up to 183 days. If you decide to extend your trip, call the Enrollment Centre at 1-800-565-3129 for additional coverage and use your credit card.
Special Underwriting - allows clients who do not qualify for pre-existing condition coverage under our standard underwriting process to contact us by phone (1-800-565-3129). Your medical records will then be reviewed by our in-house medical professionals who will determine if pre-existing condition coverage is available to you.
Spouse - the person who is legally married to you, or has been living in a conjugal relationship with you for a continuous period of at least one year and who resides in the same household as you.
Stable - any medical condition or related condition (including any heart condition or any lung condition) for which there have been:
- no new treatment, new medical management, or new prescribed medication; and
- no change in treatment, change in medical management, or change in medication; and
- no new symptom or finding, more frequent symptom or finding, or more severe symptom or finding experienced; and
- no new test results or test results showing a deterioration; and
- no investigations or future investigations initiated or recommended for your symptoms; and
- no hospitalization or referral to a specialist (made or recommended)
Start-up date - under any Multi-Trip Annual Plan, the later of:
- the date of your application for insurance; or
- the date you designate as the date of your departure on your first trip under this insurance, as entered on your application for insurance. This date cannot be more than 120 days from the date of your application for insurance.
Note: For online purchases, the start-up date is the date of your application for insurance.
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Top-up - the coverage you purchase from us:
- to add to your insurance beyond the duration covered under your Multi-Trip Annual Plan; or
- before your date of departure from your departure point, through the Enrollment Centre to extend travel insurance coverage that is in effect for a portion of your trip duration under another Policy offered by a company under RBC Financial Group.
The terms, conditions and exclusions of this Certificate of Insurance apply to you during the top-up period.
Travelling companion - the person who is sharing travel arrangements with you, to a maximum of three persons.
Trip - the period of time between leaving your departure from your departure point up to and including your return date.
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We, us and our refer to RBC Insurance Company of Canada.
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You, yourself and your refers to any eligible enrolled person who is named or referred to on the application for insurance and for whom the required premium has been paid.
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