Documentation

Effective May 30, 2007, RBC Travel Insurance Company has changed its name to RBC Insurance Company of Canada. Please note that this change does not affect the terms of your travel insurance coverage.

Trip Cancellation/Trip Interruption Insurance

RBC Royal Bank U.S. Dollar Visa Trip Cancellation/Trip Interruption Insurance Certificate of Insurance

Introduction

IMPORTANT - PLEASE READ: This Certificate of Insurance is a valuable source of information and contains provisions that may limit or exclude coverage. Please read this Certificate of Insurance, keep it in a safe place and carry it with you when you travel.

RBC Insurance Company of Canada (the "Insurer") has issued group insurance policy U-1014452-A to Royal Bank of Canada ("RBC Royal Bank"), to cover expenses related to Trip Cancellation and group insurance policy U-1014453-A to RBC Royal Bank, to cover expenses related to Trip Interruption. This Certificate of Insurance summarizes the provisions of these group insurance policies.

All italicized terms have the specific meaning explained in the "Definitions" section of this Certificate of Insurance.

How to contact Assistance Services

If you require assistance in regards to Trip Cancellation / Trip Interruption Insurance, you can contact Assured Assistance Inc. (Assured Assistance) by calling:

1-800-533-2778 toll-free from the US & Canada, or
(905) 816-2581 collect from anywhere in the world

Trip Cancellation / Trip Interruption Insurance will reimburse only the cancellation penalties in effect at the time of the cause of cancellation or interruption.

• When the cause of cancellation occurs before the scheduled departure from the departure point, and while coverage is in effect, the covered person must cancel the trip with the authorized agent immediately, but no later than the next business day following the cause of cancellation.
• When the covered person is forced to interrupt or discontinue the trip due to one of the insured risks, and while coverage is in effect, the covered person must call Assured Assistance immediately.

If you are unsure or need clarification of the provisions of the Trip Cancellation / Trip Interruption Insurance, call Assured Assistance.

Definitions

Throughout this document, all italicized terms have the specific meaning explained below.

Applicant means a person who has signed and submitted an application as the applicant for an RBC Royal Bank U.S. Dollar Visa Gold card and in whose name the card account is established.

Authorized agent means a travel agent or other travelling authority licensed by the jurisdiction in which they operate.

Cancellation penalties means the amount paid with your RBC Royal Bank U.S. Dollar Visa card which would be forfeited under the terms of the agreement made with the authorized agent if the travel arrangements are cancelled, and for which the authorized agent will not provide any other form of compensation.

Cardholder means any person (includes applicants, co-applicants and authorized users) to whom the Policyholder has issued an RBC Royal Bank U.S. Dollar Visa Gold card under one of the above Plans.

Common carrier means airline, bus, taxi, limousine, ship or train.

Covered person means the cardholder, the cardholder's spouse, or a dependent child who travel with or joins the cardholder or the cardholder's spouse on the same trip. A co-applicant is a covered person in his/her own right. A covered person may be referred to as "you" or "your" or "yourself". A co-applicant's spouse and/or dependant child are not eligible for this insurance.

Departure date means the date of your departure from your departure point.

Departure point means the province or territory you depart from on the first day of your intended trip.

Dependent child means a dependent unmarried natural, adopted, step or foster child who is:

• under 21 years of age, or
• under 26 years of age if a full-time student, or
• mentally or physically handicapped and incapable of self-sustaining employment and totally reliant on you for support and maintenance.

Effective date means the date and time of purchase of prepaid travel, accommodations and recreation arrangements and before any cancellation penalties have been incurred, provided you pay the entire cost with your RBC Royal Bank U.S. Dollar Visa card.

Emergency means an unforeseen event that occurs during the period of insurance and makes it necessary to receive immediate treatment from a physician or to be hospitalized.

Family means spouse, parent, step-parent, grandparent, grandchild, in-law, natural or adopted child, step-child, brother, sister, step-brother or step-sister.

Hospital means an institution licensed to treat patients on an in-patient, out-patient and emergency basis, which has an operating room and laboratory, and which is operated under the supervision of a staff of physicians. It does not include any establishment which is licensed or used principally as a clinic, extended or palliative care facility, rehabilitation facility, convalescent, rest or nursing home, home for the aged, health spa or addiction treatment centre.

Hospitalization means a stay of at least 48 hours in a hospital for emergency medical treatment, which cannot be postponed.

Insured Person means the applicant, his/her spouse or dependent child. A co-applicant or an authorized user to whom the Policyholder has issued an RBC Royal Bank U.S. Dollar Visa Gold card under one of the above Plans is an insured person in his/her own right. A co-applicant's or authorized user's spouse or dependent child is not eligible for this insurance. All insured persons must be a permanent resident of Canada.

Key employee means an employee whose continued presence is critical to the ongoing affairs of the business during your absence.

Medical condition means 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.

Mountain climbing means the ascent or descent of a mountain requiring the use of specialized equipment, including crampons, pick-axes, anchors, bolts, carabiners and lead- or top-rope anchoring equipment.

Physician means someone who is not you or a member of your family who is licensed to prescribe drugs and administer medical treatment (within the scope of such license) at the location where the treatment is provided. A physician does not include a naturopath, herbalist or homeopath.

Return date means the date and time on which you are scheduled to return to your departure point.

Spouse means 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 means any medical condition or related condition (including any heart condition or any lung condition) for which there have been:

• no new treatment or new prescribed medication, and
• no change in treatment or change in prescribed medication (including the amount of medication to be taken, how often it is taken, the type of medication or change in treatment frequency or type), and
• no new symptom, more frequent symptom or more severe symptom experienced, and
• no test result showing a deterioration, and
• no hospitalization or referral to a specialist (made or recommended) or the results of further investigations not yet completed,

for that medical condition or related condition (including any heart condition or any lung condition).

Travelling companion means the person who is sharing travel arrangements with you, and whose fare for transportation and/or accommodation was entirely prepaid at the same time as the covered person.

Trip means the period of time from your departure date up to and including your scheduled return date, as shown on your travel documents.

When does coverage begin and end?

This insurance provides coverage whenever prepaid travel, accommodations and recreation arrangements were arranged by an authorized agent, provided you pay the entire cost of these prepaid travel, accommodations and recreation arrangements with your RBC Royal Bank U.S. Dollar Visa card, and before any cancellation penalties have been incurred.

Coverage starts on your effective date.

Coverage ends on the earliest of:

1. midnight of your return date;
2. the date your RBC Royal Bank U.S. Dollar Visa account is cancelled;
3. the date your RBC Royal Bank U.S. Dollar Visa account is 60 days past due; or
4. the date the group insurance policies terminate.

What are the sums insured?

Under Trip Cancellation Insurance (when the risk occurs BEFORE your trip), the maximum amount payable per:

1. cardholder's family per trip is $2,500.
2. co-applicant per trip is $2,500.

Under Trip Interruption Insurance (when the risk occurs DURING your trip), the maximum amount payable for each covered person for any one interrupted trip is $2,500.

What are the risks and benefits?

What are the benefits?

Prepaid travel arrangements - Reimbursement to you of the expenses you actually incur as a result of one of the insured risks up to the sum insured for:

1. the non-refundable portion of your prepaid travel arrangements.

2. the non-refundable unused portion of your prepaid travel arrangements, excluding the cost of prepaid unused transportation back to your departure point.

   Transportation - Reimbursement to you of the expenses you actually incur as a result of one of the insured risks up to the sum insured for the extra cost of:

3. your economy class transportation via the most cost-effective route to your departure point. Travel must be undertaken on the earliest of:

   1. the date when your travel is medically possible, and
   2. within 10 days following your originally scheduled return date if your delay is not the result of hospitalization, or
   3. within 30 days following your originally scheduled return date if your delay is the result of hospitalization.

4. your one-way economy air fare via the most cost-effective route to your next destination (in- and outbound).

   ^*Return of a travelling companion - Should a decision be made, by the Insurer, to transport you to a treatment facility in your province or territory of residence, the Insurer will pay the cost of upgrading to economy-class transportation for one travelling companion to his/her departure point, provided that he/she is unable to make use of the original ticket as a result of the delay caused by your emergency medical condition or death.

Pre-Existing Condition Exclusion

This insurance does not pay for any expenses incurred directly or indirectly as a result of:

1. Your medical condition or related condition, if at any time in the 90 days before your effective date, your medical condition or related condition has not been stable.
2. Your heart condition, if at any time in the 90 days before your effective date:
   1. any heart condition has not been stable, or
   2. you have taken nitroglycerin more than once per week specifically for the relief of angina pain.
3. Your lung condition, if at any time in the 90 days before your effective date:
   1. any lung condition has not been stable, or
   2. you have been treated with home oxygen or taken oral steroids (prednisone or prednisolone) for any lung condition.

General Exclusions

The Insurer will not pay for any expenses incurred directly or indirectly as a result of:

1. Cancellation or interruption when you are aware, on the effective date, of any reason that might reasonably prevent you from travelling as booked.
2. A trip undertaken to visit or attend an ailing person, when the medical condition or ensuing death of that person is the cause of the claim.
3. Your intentional self-inflicted injury, suicide or attempted suicide (whether sane or insane).
4. Your committing or attempting to commit a criminal offence.
5. Your mental or emotional disorders, other than acute psychoses, unless you are hospitalized (where permitted by law).
6. Your chronic abuse of alcohol.
7. Your abuse of medication, drugs or alcohol or alcoholism, or your non-compliance with prescribed medical therapy or treatment.
8. The following:
   • routine pre-natal care,
   • any medical treatment directly or indirectly related to pregnancy, occurring within 9 weeks before or after the expected date of delivery, or
   • childbirth occurring within 9 weeks before or after the expected date of delivery.
9. Any child born during the trip.
10. Any medical condition or related condition that arises during a trip you undertake with the knowledge, acquired prior to departure, that you will require or seek treatment or surgery.
11. Your participation as a professional in sports, participation as a professional in underwater activities, scuba diving as an amateur unless you hold a basic scuba designation from a certified school or other licensing body, participation in a motorized race or motorized speed contest, bungee jumping, parachuting, rock climbing, mountain climbing, hang-gliding or skydiving.
12. Act of foreign enemies or rebellion, voluntarily and knowingly exposing yourself to risk from an act of war (declared or not) or voluntarily participating in a riot or civil disorder.
13. Police, military, or law-enforcement service.
14. The inability to obtain desired rental accommodation, financial difficulties or disinclination to travel.
15. Your failure to appear at the airport, except in circumstances described as insured causes.
16. Any trip not arranged by an authorized agent.
17. Any travel rewards provided by any Frequent Flyer or RBC Rewards^® Plan.
18. A medical condition of a travelling companion whose trip does not begin at the same time and place as the covered person.
19. Ionising radiation or radioactive contamination from any nuclear fuel or waste which results from the burning of nuclear fuels; or, the radioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it.

What to do if you have a claim?

If you call Assured Assistance at the time of the cancellation or interruption as shown under "How to contact Assistance Services" you will receive the necessary claims assistance.

If you do not call Assured Assistance, you must notify the Claims Centre of your claim within 30 days of the date of the cause of cancellation or interruption.

For your claim to be paid, you must submit the following information:

• the completed claim form (contact the Claims Centre to obtain a claim form),
• the medical certificate (contact the Claims Centre to obtain a medical certificate), fully completed by the legally qualified physician in active personal attendance and in the locality where the medical condition occurred stating the reason why travel was impossible,
• written evidence of the risk insured, which was the cause of cancellation or interruption,
• complete original unused transportation tickets and vouchers,
• receipts for the prepaid land arrangements,
• original passenger receipts for new tickets,
• reports from police, common carrier or local authorities documenting the cause of the missed connection, and
• detailed invoices and/or receipts from the service provider(s).

Submission of claims must be made to the Claims Centre:

RBC Insurance Company of Canada
Claims Centre
PO Box 97, Station A
Mississauga, ON L5A 2Y9

1-800-464-3211

You must submit the information required for your claim within 90 days of the date of the cause of cancellation or interruption. If it is not reasonably possible to provide such information within 90 days, you must do so within one year or your claim will not be paid.

The Claims Centre will notify you of the decision on your claim within 60 days of receiving all of the required information .

Other Claim Information

When a cause of cancellation occurs before your departure date, you must:

1. cancel your trip with the authorized agent or the carrier immediately, but no later than the business day following the cause of cancellation, and
2. advise the Insurer at the same time.

The Insurer's maximum liability is the amounts or portions indicated in your trip contract that are non-refundable at the time of the cause of cancellation or on the next business day.

If you disagree with the claim decision of the Insurer, the matter will be submitted to arbitration under the arbitration law in the Canadian province or territory in which you permanently reside. You must begin arbitration proceedings to recover a claim within 12 months of the occurrence. If, however, this limitation is invalid according to the laws of the Canadian province or territory where you permanently reside, you must commence your claim within the shortest time limit permitted by that province or territory. All arbitration proceedings must be brought in the Canadian province or territory in which you permanently reside. Where requested by the Insurer, you consent to the transfer of any proceedings to the province or territory where you permanently reside.

What other terms should you know about?

1. This insurance is classified as supplemental, in that it covers expenses in excess of expenses payable by any other insurance plan.
2. If you incur expenses covered under this insurance due to the fault of a third party, the Insurer may take action against the third party. You agree to cooperate fully with the Insurer or its agents and to allow the Insurer or its agents, at its/their own expense, to bring a lawsuit in your name against a third party. Where a third party is involved, an accident report is required before any claim payments can be made.
3. If you are eligible, from any other insurer, for benefits similar to the benefits provided under this insurance, the total benefits paid to you by all insurers cannot exceed the actual expense that you have incurred. We will coordinate the payment of benefits with all insurers from whom you are eligible for benefits similar to those provided under this insurance, to a maximum of the largest amount specified by each insurer.
4. All amounts are shown in U.S. dollars. If you have paid a covered expense, you will be reimbursed in U.S. currency at the prevailing rate of exchange quoted by RBC Royal Bank on the date the last service was rendered to you. This insurance will not pay for any interest.
5. The Insurer, Customer Service Representatives/Coordinators of Assured Assistance and the Claims Centre, RBC Royal Bank and their agents are not responsible for the availability, quality or results of medical treatment or transportation, or your failure to obtain medical treatment.
6. This Certificate of Insurance is the entire contract between you and the Insurer and is subject to the statutory conditions of the Insurance Companies Act of Canada and any governing provincial statutes concerning contracts of accident insurance.
7. To substantiate a claim under this insurance, you must provide the requested/required document. Failure to provide the requested/required documentation will invalidate your claim.
8. The Insurer may, at its discretion, void this contract in the case of fraud or attempted fraud by you, or if you conceal or misrepresent any material fact or circumstance concerning this insurance contract.

YOUR PRIVACY MATTERS TO US

At RBC Insurance Company of Canada, we're committed to protecting your privacy. We respect your privacy and want you to understand how we safeguard your personal information.

How we collect your information

We collect and keep information about you, which is needed to provide the products and services you request. We collect information from you, either directly or through our representatives. We may also need to collect information about you from sources such as hospitals, doctors and other health care providers, the government (including government health insurance plans) and governmental agencies, other insurance companies, travel suppliers, law enforcement representatives, private investigators, your family and friends, and any references you provide.

How we use your information

We use your information to provide the products and services you request, which includes using it to evaluate insurance risk, manage and co-ordinate claims, reprice medical expenses, and negotiate payment of expenses to third parties. We may also share your information with others who work for RBC Insurance Company of Canada or other RBC Financial Group® companies, or with third parties, when it is necessary for the services we provide to you. Third parties may include other insurance companies, health organizations and the government (including government health insurance plans) and governmental agencies.

We may use your information internally, to prepare statistical reports that help us understand the needs of our customers and that help us understand and manage our business.

Other ways we may use your information

When you request products and services directly from RBC Insurance Company of Canada, there are other ways we may use your information. For example, we may use or share some of your information to help you find out about other products and services from RBC Insurance Company of Canada and other RBC Financial Group® companies. However, we will never use or share your health information for these purposes. To better manage your relationship with other RBC Financial Group® companies, and where the law allows us, we may consolidate the information we have about you with information held by the other group companies.

If, at any time, you decide that you do not want us to use your information as described above, please let us know by calling us at 1-800-533-2778.

Your right to access your information

You have the right to access the personal information that we have about you in your file. If we have information that is not correct, you can have it corrected.

To access your information or to ask us to correct your information, you can contact us at:

RBC Insurance Company of Canada
P.O. Box 97, Station A
Mississauga, Ontario L5A 2Y9

Phone: 1-800-533-2778
Fax:    (905) 816-2498

If you would like more information about client privacy

RBC Financial Group publishes a brochure on client privacy. If you would like a copy of the brochure, you can contact us and we would be pleased to send one to you.

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