upon the advice of a Doctor cannot be delayed until You return to Your Departure Point, and has to be received during
Your Trip because Your Medical Condition prevents You from returning to Your Departure Point.
“Effective Date” means the date and time prepaid travel, accommodations and/or recreation arrangements are purchased
and before any cancellation penalties have been incurred, provided at least 75% of the cost of the Trip is charged to the Card.
“Emergency” means any sudden and unforeseen event that begins during the Period of Insurance and makes it necessary
to receive immediate Treatment from a licensed Doctor or to be hospitalized. An emergency ends when Our medical advisors
determine that You are medically able to return to Your Departure Point.
“Emergency Services” means any Treatment, surgery or medication that:
• is required for the immediate relief of an acute symptom; or
•
The emergency services must be ordered by or received from a Doctor, 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.
“Family Member” means Your Spouse or Your Travelling Companion’s spouse, Your or Your Travelling Companion’s
mother, father, step-parent, in-law, daughter, son, step-child, sister, brother, step sibling, grandparent, grandchild, aunt, uncle,
niece or nephew.
“Hospital” means a licensed facility, which provides people with care and medical Treatment needed because of an
Emergency. The facility must be staffed 24 hours a day by qualied and licensed Doctors and nurses. A hospital does not
include a spa or nursing home.
“Insured Person” means the Cardholder, the Cardholder’s Spouse, Dependent Children when travelling with the
Cardholder or the Cardholder‘s Spouse. Dependent Children aged 16 and over are covered when travelling on their
own. Travelling Companions (up to a maximum of two (2) people) will also be considered insured persons provided their
pre-paid transportation or accommodation for the same Trip were charged to the Cardholder’s Card at the same time as
the Cardholder charged the Card for the Cardholder’s Trip.
“Key Employee” means an employee whose continued presence is critical to the ongoing affairs of the business during
Your absence.
“Medical Condition” means an Accidental Bodily Injury or sickness (or a condition related to that Accidental Bodily
Injury or sickness), including disease and complications of pregnancy occurring within the rst 31 weeks of pregnancy.
“Mental or Emotional Disorders” means emotional or anxiety states, situational crisis, anxiety or panic attacks, or other
mental health disorders treated with minor tranquilizers or anti-anxiety (anxiolytics) medication, a disorder, disease, condition
or symptom that is emotional, psychological, or mental in nature unless You are hospitalized on the date of occurrence for the
event that caused a cancellation of Your Trip.
“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-rope or top-rope anchoring equipment.
“Passenger Plane” means a certied 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 certied pilot.
“Period of Insurance” means the period of time between Your Effective Date and Your Return Date.
“Prescription Drugs” means drugs and medicines that can only be issued upon the prescription of a Doctor or dentist and
are dispensed by a licensed pharmacist. Prescription drugs does not mean such drugs 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” means that You are engaged in a specied activity as Your main-paid occupation.
“Return Date” means the date on which You are scheduled to return to Your Departure Point.
“Spouse” means the person the Cardholder is legally married to or a partner the Cardholder has lived with for a minimum
of 12 consecutive months and publicly presents as his/her spouse.
“Stable” means a condition in respect of which there have been no new, or changes in: symptoms, prescribed medication
(type or dosage of medication), or Treatment. In addition, there are no unreported results of tests, investigations, or
consultations unless the results indicate no change in a previously identied condition.
“Terrorism or Act of Terrorism” means 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.
“Travelling Companion” means any person (up to a maximum of two (2) people), other than a Spouse or Dependent
Children, who is sharing travel arrangements with the Cardholder.
“Treatment” means a medical, therapeutic or diagnostic procedure prescribed, performed or recommended by a Doctor
including, but not limited to, consultation, prescribed medication, investigative testing, hospitalization or surgery.
“Trip” means a period of travel for which:
a) There is a Departure Point and a destination; and
b) There are predetermined and recorded beginning and ending dates; and
c) No less than 75% of the Common Carrier fare, hotel or similar accommodations have been charged to Your Card prior
to Your departure.
This denition is extended to include a Common Carrier ticket or accommodations obtained through the redemption of
points from the Card travel reward program.
“We, Our and Us” refer to Royal & Sun Alliance Insurance Company of Canada, or its authorized representatives or Global
Excel Management Inc. as applicable.
“You and Your” refers to the Insured Person.
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