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.
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.
Bedside Companion - a person of your choice who is required at your bedside while you are hospitalized during your trip.
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.
Children - unmarried persons:
who are your natural, adopted or step-children and are dependent on you for support.
Commercial rental agency - a car rental agency licensed under the law of its jurisdiction.
Contamination - the poisoning of people by nuclear, chemical and/or biological substances which causes illness and/or death.
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. Deductibles are only available on Single Trip Plans (over 60).
Departure Point - the place you depart from on the first day, and return to on the last day, of your intended travel period.
Dismemberment - actual severance through or above your wrist or ankle joint.
Effective date -
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:
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.
Family coverage - the coverage that you and your children have when a family coverage option is available and the required premium has been paid.
Government health insurance plan - the health insurance coverage that Canadian provincial and territorial governments provide for their residents.
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.
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.
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.
Mental or emotional disorders - emotional or anxiety states, situational crisis, anxiety or panic attacks, or other mental health disorders treated with minor tranquilizers or anti anxiety (anxiolytics) medication.
Mountain climbing - the ascent or descent of a mountain requiring the use of specialized equipment, including crampons, pick-axes, anchors, bolts, carabiners and lead-rope or top-rope anchoring equipment.
Network - the hospitals, physicians and other medical service providers recognized by us at the time of the emergency.
Passenger plane - a certified multi-engined transportation aircraft provided by a regularly scheduled airline on any regularly scheduled trip operated between licensed airports and holding a valid Canadian Air Transport Board or Charter Air Carrier licence, or its foreign equivalent, and operated by a certified pilot.
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.
Professional - engaged in a specified activity as your main paid occupation.
Return date -
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 (whether or not the diagnosis has been determined) for which there have been:
Start-up date - under any Multi-Trip Annual Plan, the later of:
Note: For online purchases, the start-up date is the date of your application for insurance.
Terrorism or act of terrorism - an act, including but not limited to the use of force or violence and/or the threat thereof, including hijacking or kidnapping, of an individual or group in order to intimidate or terrorize any government, group, association or the general public, for religious, political or ideological reasons or ends, and does not include any act of war (whether declared or not), act of foreign enemies or rebellion.
Top-up - the coverage you purchase from us:
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.
Vehicle - a private passenger automobile, motorcycle, minivan, mobile home, camper truck or trailer home, which you use during your trip exclusively for the transportation of passengers other than for hire. It can be either owned by you or leased by you from a commercial rental agency.