Plans and Coverages for Travel HealthProtector^® Insurance

Basic and Enhanced Coverage Options^†

You have the flexibility of choosing either Basic or Enhanced Coverage, no matter your age:

• Basic Coverage provides all of the valuable protections you should expect from a travel medical insurance plan, including direct payment of eligible medical bills, emergency medical transportation, multilingual coordinators, a 24-hour toll-free emergency number and more.
  Learn more about Basic Coverage below.
• Enhanced Coverage includes all of the protections included with Basic Coverage, plus Trip Interruption/After Departure Insurance, Flight & Travel Accident Insurance, and Baggage & Personal Effects Insurance—all excellent ways to ensure you're well-protected against unexpected situations. Learn more about Enhanced Coverage below.

Basic Coverage

For full details, please refer to the Certificate of Insurance. You may also find the Certificate of Insurance in the back pocket of the brochure at your local branch.

Emergency Medical Insurance

1. Unlimited emergency medical expenses

This insurance covers medical expenses related to the following when required as part of the emergency treatment and ordered by a licensed physician during your trip:

1. emergency treatment, other than dental treatment;
2. the services of a licensed private duty nurse while you are hospitalized;
3. the lesser of the rental or purchase of a hospital-type bed, a wheelchair, brace, crutches and other medical appliances;
4. diagnostic testing, when pre-authorized by Assured Assistance Inc.; and
5. prescription drugs.

2. Hospital allowance

This insurance covers your reimbursement up to $50 per day to a maximum of $500 for your incidental hospital expenses (telephone calls, television rental), while you are hospitalized for at least 48 hours.

3. Other emergency services

This insurance covers expenses for emergency treatment by a licensed physiotherapist, chiropractor, chiropodist, podiatrist or osteopath, to a maximum of $300 per profession.

4. Ground ambulance

This insurance covers you for local ground ambulance service to a hospital, physician or medical service provider in an emergency. We will pay for local taxi fare in lieu of local ground ambulance service, where an ambulance is medically required but not available.

5. Repatriation of your remains

If, during your trip, you die from a medical condition covered under this insurance, the insurance covers:

1. the transportation of your remains in the common carrier's standard transportation container to your departure point, and up to $5,000 for the preparation of your remains and for the cost of the common carrier's standard transportation container; or
2. the transportation of your remains to your departure point and up to $5,000 for the cremation of your remains at the location where your death occurred; or
3. up to $5,000 for the preparation of your remains and the cost of a standard burial container and up to $5,000 for the burial of your remains at the location where your death occurred.

If someone is legally required to identify your remains, this insurance covers the cost of a return economy air fare on a commercial flight via the most cost effective route and up to $500 for commercial accommodations and meals for that person. That person is covered under the terms of your insurance during the period in which he/she is required to identify your remains, but for no longer than 3 business days.

6. Return to your departure point

If the physician treating you recommends to us in writing that you return to your country of residence because of your medical condition in order to receive emergency medical attention, or if the medical advisors of Assured Assistance Inc. determine that you are able to and recommend that you return to your country of residence following your emergency treatment, this insurance covers you for one or more of the following, when preauthorized and arranged by Assured Assistance Inc., when medically essential:

• the extra cost of a one-way economy air fare on a commercial flight via the most cost effective route to your departure point to receive immediate emergency medical attention; or
• the cost of a stretcher fare on a commercial flight via the most cost effective route to your departure point, if a stretcher is medically necessary; and
• the cost of a return economy air fare on a commercial flight via the most cost effective route and the usual fees and expenses for a qualified medical attendant to accompany you, when the attendant is medically necessary or required by the airline; or
• the cost of air ambulance transportation if it is medically essential.

7. Return to your trip destination

1. This benefit is subject to the pre-authorization of Assured Assistance Inc.
2. Your trip to return to your scheduled trip destination must occur during your period of insurance originally provided by this benefit.
3. This benefit can only be used once during your trip.
4. Once you return to your trip destination, a recurrence of the initial medical condition or related condition will not be covered under the Certificate of Insurance.
5. When this benefit is provided to you, your effective date under the Certificate of Insurance becomes the day you leave your departure point to return to your trip destination.

8. Subsistence allowance

1. This benefit is subject to the pre-authorization of Assured Assistance Inc.
2. This insurance covers your reimbursement up to $175 per day to a maximum of $1,750 for your commercial accommodations and meals, essential telephone calls, internet usage fees, and taxi fares (or rental car in lieu of taxi fares), if, upon physician's advice:
   • you, or your travelling companion, are relocated to receive medical attention; or
   • you are delayed beyond your return date in order to receive emergency treatment or because your travelling companion requires emergency treatment, for an emergency medical condition covered under this insurance.

9. Bedside companion's travel to your bedside

1. This benefit is subject to the pre-authorization of Assured Assistance Inc.
2. If you are travelling alone and hospitalized during your trip, then in the event a bedside companion is required, this insurance covers:
   • the cost of a return economy air fare on a commercial flight via the most cost effective route;
   • up to $500 for commercial accommodations and meals for the bedside companion; and
   • your bedside companion is insured under the terms of your insurance during the period in which this person is required as your bedside companion.
3. If you are over age 20 and physically or mentally handicapped, or under age 21 and dependant on your bedside companion for support, this insurance provides this benefit to you as soon as you are admitted to a hospital.

10. Emergency dental treatment

This insurance covers the following dental expenses when required as emergency treatment and ordered by or received from a licensed dentist:

• if you need dental treatment to repair or replace your natural or permanently attached artificial teeth because of an accidental blow to your face, you are covered for the emergency dental expenses you incur during your trip and you are also covered up to a maximum of $1,500 to continue necessary treatment after your return to Canada. However, this treatment must be completed within 180 days after the accident.
• if you need other emergency dental treatment, you are covered for the emergency dental expenses you incur during your trip, up to a maximum of $300, and the complete cost of prescription drugs.

11. Return of vehicle

If, as a result of a medical emergency during your trip, you are unable to return a vehicle to its point of origin, this insurance covers the reasonable costs for a commercial agency to return the vehicle to your residence or to a commercial rental agency, when pre-authorized by Assured Assistance Inc.

12. Return of children and escort for children to their departure point

If children insured under one of our emergency medical insurances travel with you or join you during your trip and you are hospitalized for more than 24 hours or you must return to Canada because of your emergency medical condition covered under this insurance, this insurance covers:

1. the extra cost of a one-way economy air fare on a commercial flight via the most cost effective route for the return of those children to their departure point; and
2. the cost of a return economy air fare via the most cost effective route on a commercial flight for an escort, if the airline requires that the children be escorted.

13. Return of travelling companion

If you are travelling with a travelling companion, this insurance covers one travelling companion for the extra cost of a one-way economy air fare on a commercial flight via the most cost effective route to your departure point, if you must return to Canada because of a medical condition covered under this insurance.

14. Return of your dog or cat

1. This benefit is subject to the pre-authorization of Assured Assistance Inc.
2. If your domestic dog(s) or cat(s) travel with you during your trip and you must return to Canada because of your emergency medical condition covered under this insurance, this insurance covers the cost of one-way transportation up to a maximum of $500 to return your domestic dog(s) or cat(s) to your departure point.

15. Return of your excess baggage

1. This benefit is subject to the pre-authorization of Assured Assistance Inc.
2. If you return to your departure point by air ambulance (pre-authorized by Assured Assistance Inc.) because of your emergency medical condition, this insurance covers the cost to return your excess baggage up to a maximum of $500.

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Enhanced Coverage

Enhanced Coverage includes all of the protections listed above for Basic Coverage, plus the important protections listed below. For full details, please refer to the Certificate of Insurance. You may also find the Certificate of Insurance in the back pocket of the brochure at your local branch.

Trip Interruption/After Departure Insurance

Emergencies can happen to anyone, even those you leave at home. If your trip is interrupted because of an emergency medical condition or death involving you, an immediate family member, your travelling companion, or your travelling companion's immediate family member, this insurance covers:

Prepaid travel arrangements - Reimbursement to you of the expenses you actually incur as a result of the insured risks for any unused, non-refundable prepaid land arrangements excluding the cost of prepaid unused transportation back to your departure point.

1. This benefit is up to $1,500 per person to a maximum coverage of $3,000 per family.
2. This benefit is payable when your attending physician advises that you return home, subject to the pre-approval of Assured Assistance Inc.

Transportation costs - Reimbursement to you of the expenses you actually incur as a result of the insured risks for the extra cost of a one-way economy airfare via the most cost effective route to your departure point.

1. This benefit is up to $1,500 per person to a maximum coverage of $3,000 per family.
2. This benefit is payable when your attending physician advises that you return home, subject to the pre-approval of Assured Assistance Inc.

Subsistence allowance - Reimbursement to you of the expenses you actually incur as a result of the insured risks for commercial accommodation, meals, telephone, internet usage fees, and taxi expenses (or rental car in lieu of taxi fares), incurred after the contracted return date, if return home is delayed beyond the contracted return date.

1. This benefit is up to $100 per day per person.
2. This benefit is subject to a maximum of $1,000 per person and $3,000 per family.

Trip Cancellation Insurance

We are pleased to now offer a Non-Medical package which includes Trip Cancellation Coverage for single trips in addition to our other Travel HealthProtector products. If you require Trip Cancellation Coverage to be part of your travel insurance package, please contact us at 1-800-565-3129 any time between 6 a.m. to 12 a.m. ET, seven days a week to apply.

Baggage & Personal Effects Insurance

Protect your belongings! The luggage and personal effects you own and use during your trip will be covered as follows:

1. Loss of or Damage to Baggage & Personal Effects

Reimbursement of your losses up to $1,000 per trip ($2,000 per family per trip), subject to a maximum of $500 for any one item or set of items (items which are purchased for use together, and commonly used together).

2. Replacement of Travel Documents

Reimbursement of up to $300 in total, towards the replacement expenses of one or more of the following documents: passport, driver's license, birth certificate or travel visa, in the event any one of these is lost or stolen.

3. Delay of Baggage & Personal Effects

Reimbursement up to $400 maximum for necessary toiletries and clothing when your checked baggage is delayed by the carrier for 12 hours or more while en route and before returning to your departure point.

Flight & Travel Accident Insurance

In the event of an accident where you suffer a single dismemberment, or loss of sight in one eye, within 12 months of the accident, this insurance pays a benefit of $25,000.

In the event of your death, double dismemberment, loss of sight in both eyes, or complete and irrevocable loss of speech or hearing within 12 months of the accident, this insurance pays a benefit of $50,000.

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^† This is not a Certificate of Insurance.