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Travel HealthProtector® Insurance

Glossary

 Accidental Bodily Injury
 Bedside Companion
 Change in Medication
 Children
 Commercial Rental Agency
 Contamination
 Departure Point
 Dismemberment
 Effective date
 Emergency
 Emergency treatment
 Expiry date
 Family coverage
 Government health insurance plan
 Hospital
 Immediate family
 Insurance application/confirmation of coverage
 Loss of Sight
 Medical Condition
 Medical Questionnaire
 Mental or emotional disorders
 Mountain Climbing
 Network
 Passenger Plane
 Period of Insurance
 Physician
 Prescription drug
 Professional
 Return date
 Spouse
 Stable
 Start-up date
 Terrorism or Act of Terrorism
 Top-up
 Travelling companion
 Trip
 Vehicle
 We, us and our
 You, yourself and your


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.

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Bedside Companion - a person of your choice who is required at your bedside while you are hospitalized during your trip.

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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.

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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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Commercial rental agency - a car rental agency licensed under the law of its jurisdiction.

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Contamination - the poisoning of people by nuclear, chemical and/or biological substances which causes illness and/or death.

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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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Dismemberment - actual severance through or above your wrist or ankle joint.

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Effective date -

  1. 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 insurance application/confirmation of coverage. This date cannot be more than 120 days from the date of your insurance application/confirmation of coverage.
  2. under Flight Accident:
    the date and time shown on your transportation ticket.
  3. under Top-up coverage:
    12:01 a.m. on the day following the date of expiry of your prior coverage.

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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 RBC Insurance Company of Canada determine that you are medically able to return to your home country.

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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:

  1. ordered by or received from a licensed physician during your trip; or
  2. received in a hospital during your trip; or
  3. received from a licensed physiotherapist, chiropractor, chiropodist, podiatrist or osteopath, as a result of an emergency that occurs during your trip.

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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 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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Insurance application/confirmation of coverage - 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 insurance application/confirmation of coverage forms part of the insurance contract.

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Loss of sight - entire and permanent loss of eyesight.

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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.

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Medical questionnaire - the questions that must be answered correctly at the time of insurance application/confirmation of coverage, 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 .

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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.

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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.

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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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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.

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Period of insurance - the period of time between your effective date and your return date.

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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.

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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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Professional - engaged in a specified activity as your main paid occupation.

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Return date -

  1. 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 insurance application/confirmation of coverage, under all coverages except any Multi-Trip Annual Plan.
  2. under Flight Accident:
    the return date and time shown on your transportation ticket.
  3. if you purchase top-up coverage your return date is 11:59 p.m. on the last day of your extended coverage. (Note: if you purchased a Multi-Trip Annual Plan as top-up to your travel insurance included with your credit card coverage, the duration of your top-up coverage cannot exceed your purchased option (4-, 9-, 15-, 30- or 60-day option).

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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.

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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:

  • 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)

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Start-up date - under any Multi-Trip Annual Plan, the later of:

  • the date of your insurance application/confirmation of coverage; or
  • the date you designate as the date of your departure on your first trip under this insurance, as entered on your insurance application/confirmation of coverage. This date cannot be more than 120 days from the date of your insurance application/confirmation of coverage.
  • coverage for each subsequent trip starts each date you leave your province or territory of residence and is based on your purchased option of: 4 consecutive days under the 4-day option, 9 consecutive days under the 9-day option, 15 consecutive days under the 15-day option, 30 consecutive days under the 30-day option, 60 consecutive days under the 60-day option (while you travel outside of Canada).

Note: For online purchases, the start-up date is the date of your insurance application/confirmation of coverage.

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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.

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Top-up - the coverage you purchase from us:

  1. to add to your insurance beyond the duration covered under your Multi-Trip Annual Plan; or
  2. before your date of departure from your departure point, to complement travel insurance coverage that is in effect through another program or policy of insurance for a portion of your trip duration and value; or
  3. the Multi-Trip Annual Plan coverage you purchase from us to complement travel insurance included with your credit card coverage that is in effect for the initial portion of your trip duration and value.

The terms, conditions and exclusions of this Certificate of Insurance apply to you during the top-up period.

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Travelling companion - the person who is sharing travel arrangements with you, to a maximum of three persons.

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Trip - the period of time between leaving your departure from your departure point up to and including your return date.

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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.

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We, us and our refers 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 insurance application/confirmation of coverage and for whom the required premium has been paid.

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