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Trip Cancellation Policy |
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Click: for PDF copy of policy |
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Trip Cancellation and Interruption plans pay up to the sum insured for
certain risks which may occur prior to or after departure of the
insured trip. |
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The Basic Plan covers certain benefits related to the unexpected
cancellation or interruption of your trip as outlined in the section
titled "Risks Insured". |
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The Select Plan also covers baggage loss, damage or delay, Air Flight
Accident, and Accidental Death and Disablement. |
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Coverage begins on the Application Date at the time of application as
indicated on the Declaration Form and for which premium has been paid. |
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Coverage terminates at the earliest of: |
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a) |
The date of
the cause of cancellation if the Trip is cancelled prior to the
scheduled departure date, or |
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b) |
The date the
Insured returns to the permanent residence as shown in this Policy, or |
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c) |
The expiry
date. |
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For rates please refer to JavisaTravel.ca |
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Trip
Cancellation and Interruption Basic - Plan I |
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Trip
Cancellation and Interruption Select - Plan K |
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| DESCRIPTION OF
COVERAGE |
| Pays up to the sum
insured as indicated on the Declaration Form for trips to or from
Canada and for which premium has been paid for the following benefits
when certain risks insured occur prior to or after departure of the
insured Trip. (Refer to Limitation 9). |
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BENEFITS |
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1. |
Prior to Departure, reimbursement of: |
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a) |
The
non-refundable, non-recoverable portion of pre-paid airfare and/or
pre-paid travel arrangements. |
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b) |
The single
supplement charged because a Travelling Companion or accompanying
Family Member is prohibited from travelling due to an insured risk. |
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c) |
The extra
cost of one-way economy transportation to the ticketed destination in
the event a delay of the connecting carrier or automobile at departure
point causes a missed connection. Provided the connecting carrier or
automobile was scheduled to arrive not less than two hours prior to
the scheduled connection time due to: |
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# weather
conditions or mechanical failure of the connecting carrier (airline,
bus, train or government-operated ferry system) or; |
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# traffic
accident or Emergency police road closure (police report required)
causes the delay of a private or commercial automobile. |
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2. |
After Departure, reimbursement of: |
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a) |
The extra
cost of economy class transportation by the most direct route to
rejoin the tour or group in the event the Insured misses a portion of
his/her Trip due to Injury or Sickness of the Insured, a Travelling
Companion or accompanying Family Member; |
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b) |
The
non-refundable portion of unused, pre-paid, insured travel
arrangements for the Trip (excluding partially used airline tickets)
booked prior to departure due to an insured risk, and reimbursement of
the extra cost of one-way economy airfare by the most direct route, to
return to the point of departure. |
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c) |
When not
insured under other plans of insurance, up to $10,000 in the event of
death due to a covered Injury or Sickness, for the expense actually
incurred for homeward carriage in a standard transportation container
to the permanent residence of the Insured as shown in the Policy, or
$4,000 for cremation or burial at the place of death. |
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d) |
The extra
cost of one-way economy transportation to rejoin the tour or group in
the event a delay of the connecting carrier or automobile at departure
point causes a missed connection. Provided the connecting carrier or
automobile was scheduled to arrive not less than 2 hours prior to the
scheduled connection time due to: |
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# weather
conditions or mechanical failure of the connecting carrier (airline,
bus, train or government-operated ferry system) or; |
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# Traffic
accident or Emergency police road closure (police report required)
causes the delay of a private or commercial automobile. |
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In the event of delay or cancellation of a
connecting carrier or automobile as stated in 1c) Prior to Departure
and 2d) After Departure, reimbursement of: |
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e) |
Unusable
pre-paid travel arrangements and; |
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f) |
Out of pocket
allowance of up to $200 per day to a maximum of $600 for commercial
accommodation and meals, essential telephone calls and taxi fares. |
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ADDITIONAL BENEFITS (for Select Plan K) |
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1. |
Out-of-Pocket Allowance -
Reimbursement of up to $300 per day to a maximum of $1,000 for
commercial accommodation and meals, essential telephone calls and taxi
fares in the event the Insured is delayed beyond the return date shown
in the Policy as a result of accidental Injury or Sickness of the
Insured, Travelling Companion or accompanying Family Member. |
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2. |
Delayed
Baggage - If en route and before returning to the original point of
departure, the Insured's luggage or personal possessions are delayed
or lost for 12 hours or more, reimbursement up to $200 for reasonable
and necessary toiletries and clothing. |
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3. |
Accidental
Death and Disablement - up to $10,000 Sum Insured. |
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4. |
Air Flight
Accident - $50,000 Sum Insured. |
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5. |
Baggage -
$500 Sum Insured. |
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ADDITIONAL BENEFITS (for Select Plan K) |
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1. |
Out-of-Pocket Allowance -
Reimbursement of up to $300 per day to a maximum of $1,000 for
commercial accommodation and meals, essential telephone calls and taxi
fares in the event the Insured is delayed beyond the return date shown
in the Policy as a result of accidental Injury or Sickness of the
Insured, Travelling Companion or accompanying Family Member. |
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2. |
Delayed
Baggage - If en route and before returning to the original point of
departure, the Insured's luggage or personal possessions are delayed
or lost for 12 hours or more, reimbursement up to $200 for reasonable
and necessary toiletries and clothing. |
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3. |
Accidental
Death and Disablement - up to $10,000 Sum Insured. |
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4. |
Air Flight
Accident - $50,000 Sum Insured. |
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5. |
Baggage -
$500 Sum Insured. |
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EXCLUSIONS |
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Benefits are not payable for expenses
resulting from: |
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CANX1 |
Losses while sane or insane including: emotional, mental or nervous
disorders by whatever cause unless hospitalized; suicide, attempted
suicide; or intentionally self-inflicted Injury. |
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CANX2 |
Act of War, kidnapping, or Act of Terrorism, riot, strike or civil
commotion, unlawful visit in any country, participation in protests,
participation in armed forces activities or a commercial sexual
transaction. The commission or attempted commission of any
criminal/criminal like act by the Insured, a Family Member or
Travelling Companion; contravention of any statutory law or regulation
in the area where the loss occurred. |
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CANX3 |
Loss, death or Injury, if at the time of the loss, death or Injury,
evidence supports the Insured was affected by, or the medical
condition causing the loss was in any way contributed to by the use of
prohibited drugs, alcohol or any other intoxicant. |
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CANX4 |
An Injury or Sickness where the Trip is undertaken for the purpose of
securing medical treatment or advice for such Injury or Sickness. |
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CANX5 |
Any elective, non-Emergency or routine follow-up procedures or
treatment. |
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CANX6 |
Travelling against doctor's orders. |
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CANX7 |
An Injury or Sickness, or state of health which, prior to the
Application Date of coverage, was such as to render Expected Medical
Treatment or hospitalization. |
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CANX8 |
Any loss as a result of an Injury or Sickness of an Insured, Family
Member, Travelling Companion or Travelling Companion's Family Member
or Key Employee of the Insured which required any or all of, Medical
Consultation, medical treatment or hospitalization within 90 days
immediately preceding the Application Date. |
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CANX9 |
Injury received while training or participating in speed contests
usually in excess of 60 km per hour, or Professional sport activities. |
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CANX10 |
Self-diagnosis by a physician. |
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CANX11 |
Loss incurred as a result of pregnancy, or childbirth, or
complications thereof occurring within eight weeks of the expected
date of delivery. |
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CANX12 |
Loss incurred as a result of pregnancy which are routine or elective
and which occur within the first 32 weeks of the pregnancy. |
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CANX13 |
A
Trip that is undertaken for the purpose of visiting or attending to an
ailing person whose medical condition or ensuing death is the cause of
curtailment of the insured Trip. |
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CANX14 |
Any cause, prior to departure, which might reasonably have expected to
necessitate the immediate return of the Insured. |
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CANX15 |
Loss for any event which at the Application Date could reasonably have
been expected to prevent the Insured from travelling as booked. |
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CANX16 |
Losses which are recovered or are recoverable from any other source,
including trustees or any government compensation fund. |
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CANX17 |
Loss arising as a consequence of the bankruptcy or insolvency of a
retail travel agent, agency or broker, whether or not otherwise
entitled to the benefit of this Insurance. |
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CANX18 |
Losses arising as a result of a Default if, at the time of booking
and/or Application Date, the Travel Supplier is bankrupt, insolvent,
or in receivership or shall have sought protection from creditors
under any bankruptcy or related legislation. |
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CANX19 |
Losses arising as a result of a Default of an American Travel Supplier
if the services to be provided by the American Travel Supplier are not
part of a package tour sold to the Insured by an appointed
representative of T.I.C. |
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CANX20 |
Losses arising from Default of Travel Supplier for travel services
purchased by the Insured direct from the Travel Supplier, or from
other than an appointed representative of T.I.C. |
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CANX21 |
Penalties incurred after the date of Injury or ultimate diagnosis of a
Sickness. |
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LIMITATIONS |
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1. |
Maximum Period of Coverage: 365 days |
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2. |
Age eligibility: 15 days and over. |
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3. |
Geographic coverage: Worldwide |
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4. |
Benefits and claims settlements are limited to the penalties at the
time of the cause of cancellation and date of Injury or the ultimate
diagnosis of a Sickness. |
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5. |
When Family Members are travelling together, the total Aggregate Limit
is limited to twelve (12) Insured persons, unless authorized by T.I.C. |
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6. |
When Travelling Companions are travelling together, the total
Aggregate Limit is limited to five (5) Insured persons, unless
authorized by T.I.C. |
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7. |
No amount is payable where the date of the return of an Insured to the
point of origin is more than 10 days beyond the expiry date specified
on the Policy unless the Insured or a Travelling Companion suffering
the Injury or Sickness was confined as an in-patient in a Hospital as
a result of the Injury or Sickness, or was certified as medically
unfit to travel by the attending physician at the location treatment
was given. |
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8. |
In the event of Default of a Travel Supplier, coverage is limited to
$3,500 for any one Insured, or $7,500 for all Insureds listed on the
Declaration Form. Total Aggregate Limit is $250,000. |
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9. |
Reimbursement of extra costs where applicable are the least of (a)
change-fee (b) one-way economy airfare or (c) economy return airfare,
all by the most direct route. |
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CONDITIONS |
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1. |
This insurance is valid only if purchased at the time of and in
conjunction with the non-refundable deposit of the Insured's Trip and
before any cancellation penalties have been incurred. |
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2. |
Cancellation due to Injury or Sickness must be on the written advice
of the attending medical physician (other than a relative by blood or
marriage of the Insured), at the location where Sickness or Injury
leading to Cancellation occurred. |
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3. |
When cause of cancellation occurs prior to the departure date, the
Insured must cancel his/her Trip with the travel agent or the carrier
concerned on the day the cause of cancellation occurs or on the next
business day at the latest. |
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4. |
Failure to provide applicable substantiation for a claim shall
invalidate any claim under this insurance. |
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5. |
General Conditions of this policy apply. |
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GENERAL CONDITIONS |
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Applicable to all insurances in this
policy booklet. |
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1. |
Co-operators Life Insurance Company hereby
insures the person(s) named as the Insured(s) and will pay the
benefits listed in this policy except for benefits payable for the Air
Flight Accident Insurance which has been effected with certain Lloyd's
Underwriters (called the "Insurer") through T.I.C. Agencies Ltd.,
North Vancouver, B.C. |
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2. |
The Declaration Form is the basis of and
forms part of this Policy. Coverage is valid only if a Declaration
Form is fully completed by a T.I.C. authorized and appointed agent on
or before the Application Date and prior to the Effective Date of
coverage. |
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3. |
Expiry time of coverage is deemed to be
the time within the time zone where the Insured was residing when the
Declaration Form was issued. |
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4. |
Insurance is in effect only for coverages
indicated on the Declaration Form for which premium has been paid on
or before the Effective Date. Benefits are payable in accordance with
the classification of coverage and are limited to the sum insured. |
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5. |
Benefits payable do not include interest
charges. |
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6. |
The coverages outlined in this Policy are
second payor plans. If there are other third party liability, group or
individual basic or extended health insurance plans or contracts
including any private or provincial auto insurance plan providing
hospital, medical or therapeutic coverage, in force concurrently
herewith, amounts payable hereunder are limited to those expenses
incurred outside the Insured's province of residence that are in
excess of the amounts for which the Insured is insured under such
other coverage. T.I.C. will coordinate all benefits in conjunction
with the guidelines provided by Canadian Life, Health Insurers
Association.
Insured benefits do not include, and reimbursement will not be made
for any expenses, services or supplies that an insurer is eligible to
pay under a motor vehicle liability policy pursuant to the "no-fault"
benefits schedule under any Insurance Act. Where there is no other
coverage reasonably available or other plan that will pay the expense,
insured benefits will be paid by T.I.C. |
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7. |
If the Insured named in this policy is
retired with an extended health plan provided by a former employer,
with a lifetime limit of $50,000, T.I.C. will not coordinate Benefits
with that provider. |
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8. |
Benefits are only payable under one
policy, for each Insured during the Period of Coverage indicated on
this Policy. If more than one T.I.C. coverage is in force concurrently
herewith, Benefits will only be paid under the Insurance with the
greatest Sum Insured. |
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9. |
In the event of any payment of Benefits
under the Insurance, the Insurer shall be subrogated to all the rights
of recovery therefore which any Insured receiving such payment may
have against any person or organization. Such person shall execute and
deliver instruments and papers and do whatever else is necessary to
secure such rights and shall do nothing after loss to prejudice such
rights. |
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10. |
The entire coverage of this Insurance
shall be void if, whether before or after loss, the Insured has
concealed or misrepresented any material fact or circumstances
concerning this coverage or subject thereof, or the interest of the
Insured therein, or in the case of any fraud or false swearing by the
Insured. |
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11. |
The Insured shall be responsible for the
verification of |
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a) |
any medical
expenses incurred and shall obtain itemized accounts of all medical
services which have been provided, |
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b) |
any payment
made by a provincial or territorial hospital/medical plan, or, if the
Insured is not covered or is not eligible for coverage, verification
of any payment that would have been made,
c) any payment made by any other insurance plan or contract, |
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d) |
at the
request of T.I.C. it is the Insured's responsibility to provide
substantiating medical documentation from their Country of Origin.
Failure to provide substantiating documents shall invalidate all
claims under this insurance. |
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12. |
All Benefits and Limitations stated in
this Policy are deemed to be in Canadian currency (CAD). |
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13. |
T.I.C. reserves the right to investigate
or obtain private opinion on an Insured's medical condition and to
obtain any and all information relating to a claim. |
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14.
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It is a condition that T.I.C. be notified
at the 24-hour claim line prior to, or within 48 hours of, admission
to Hospital and prior to any surgery or invasive investigations being
performed. Failure to do so, without reasonable cause will reduce
eligible expenses by 20%. |
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15. |
It is a condition precedent to liability
under this policy that at the time of application, the Insured knows
of no reason to seek medical attention. This condition applies to all
plans other than Baggage, Accidental Death and Disablement, Air Flight
Accident, and Rental Car Collision Damage Protection. |
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Extended Coverage After Termination |
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16. |
If an Insured under this Insurance is
riding as a passenger in a conveyance licensed for the transportation
of passengers and for which coverage would otherwise be provided under
this Insurance and if such conveyance is scheduled to arrive at its
destination while this Insurance is in force but is delayed beyond
such arrival time by reason of circumstances over which the Insured
has no control, the coverage of this Insurance shall be extended
automatically until the Insured ceases to be a passenger in such
conveyance, but not to exceed 72 additional hours. |
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17. |
If an Insured under this Insurance is
deemed as medically unfit to travel as a result of a covered Injury or
Sickness and if this advice is provided prior to the expiry date of
this policy as indicated on the Declaration Form and if this advice is
provided, in writing, by the attending physician, this Insurance will
automatically be extended for five days. |
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18. |
If an Insured is hospitalized at the end
of the Period of Coverage, as a result of a covered Injury or
Sickness, insurance will be extended to the Insured and an Insured
Travelling Companion remaining with the Insured when reasonable and
necessary, for the period of Hospital confinement, plus 72 hours after
release to travel home. |
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19. |
Extension or renewal of coverage is
subject to the Terms and Conditions outlined by T.I.C. on file with
the duly appointed agents of T.I.C. |
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20. |
It is a condition that each term of
coverage is considered a separate contract and all terms and
conditions of coverage apply except where waived or endorsed by
authorization of T.I.C. |
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REFUNDS |
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Premium refunds must be obtained from the
agent where coverage was originally purchased. There will be no refund
of premium if any claims have, or will be made against this insurance.
An administration fee of $25 for partial refunds (cancellations) and
$10 for flat cancellations will be deducted from the returned premium.
Refund of premium will only be returned upon the completion of a
claims waiver form under the following circumstances: |
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Emergency Excess Hospital and Medical
Coverage: |
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a) |
The entire Trip is cancelled prior to the Effective Date. |
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b) |
The Insured chooses to cancel this coverage after reading this policy
wording provided the request for cancellation is within 10 days of
receipt of this policy and prior to the Effective Date as stated on
the Declaration Form. |
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c) |
The Insured returns to his/her province or territory of residence 30
days prior to the expiry Date of the Policy. |
Annual Plans will not be refunded after
the effective date as dated on the Declaration Form.
Trip Cancellation & Interruption and Packages are pro-rated according
to the period of time on risk from the Date of Application when: |
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a) |
The Trip is cancelled by the Travel Supplier and the Insured does not
travel as booked. |
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b) |
The Travel Supplier changes the travel dates and the Insured is unable
to travel on those dates and all penalties are waived. |
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c) |
The Insured cancels the Trip before any penalties come into effect. |
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Visitors to Canada Medical and Hospital
Coverage: |
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a) |
The entire Trip is cancelled prior to the Effective Date |
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b) |
The Insured under Visitors to Canada Insurance returns to his/her
Country of Origin 30 days prior to the expiry date of the Policy |
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c) |
The Insured is covered under a provincial or territorial hospital/
medical plan. |
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Baggage, Accidental Death & Disablement,
Air Flight Accident, and Trip Interruption: |
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a) |
The entire Trip is cancelled prior to the Effective Date. |
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Definitions
"Act of Terrorism" means an act, including but not limited to the use of
force or violence and/or the threat thereof, of any person or group(s)
of persons, whether acting alone or on behalf of or in connection with
any organisation(s) or government(s), committed for political,
religious, ideological or similar purposes including the intention to
influence any government and/or to put the public, or any section of the
public, in fear.
"Act of War" means war, invasion, acts of foreign enemies, hostilities
or warlike operations (whether war be declared or not), civil war,
rebellion, revolution, insurrection, civil commotion assuming the
proportions of or amounting to an uprising, military or usurped power.
"Acute" means the initial Emergency, short course (not chronic)
treatment phase of an Injury or Sickness.
"Aggregate Limit" means the total number or value of insured losses
resulting from any one accident or event causing loss.
"Antique Automobile" means an Automobile that is more than 20 years old
or has not been manufactured for 10 years or more.
"Application Date" (applicable to Trip Cancellation & Interruption and
All-Inclusive Package Plans only) is deemed as the date the Insured
purchases this insurance in conjunction with the initial non-refundable
costs associated with booking their Trip.
"Automobile" means a vehicle rented by the Insured from a Commercial
Rental Agency for his/her personal use under a written rental agreement
specifically excluding a truck, van (other than a mini-van), bus,
off-road vehicle (while used as such), motorcycle, moped, motorbike,
recreational vehicle, all-terrain vehicle, camper or trailer, Antique
Automobile, limousine or Exotic Car.
"Business Meeting" means a meeting scheduled before the Application Date
of this insurance between companies with unrelated ownership, pertaining
directly to the Insured's full-time employment or professional
association and is required by the Insured's employer.
"Canadian Resident" means a Landed Immigrant or Canadian citizen who
maintains a permanent residence in Canada to which they will return
after their Trip.
"Commercial Rental Agency" means a car rental agency or company licensed
under the law of its jurisdiction.
"Country of Origin" means the country in which the Insured maintained a
permanent residence prior to entry into Canada.
"Declaration Form" means the form titled "Declaration Form" specifying
the Insured's names, Period of Coverage, Application Date, Effective and
expiry Dates, coverages selected and premium paid.
"Default" means a complete cessation of operations as a result of a
bankruptcy of a contracted Travel Supplier.
"Effective Date" means the date coverage commences as indicated on the
Declaration Form, or in the case of Annual Plan the date of departure
for each separate trip from the province or territory of residence on or
after the stated Effective Date. Effective Date for Trip Cancellation &
Interruption Plans is the Application Date.
"Emergency" is an unforeseen Sickness or Injury affecting the Insured in
such a way that the Insured requires immediate intervention by a legally
licensed medical physician or dentist. Such Emergency no longer exists,
when in the opinion of the attending physician, the Insured is able to
return to their place of ordinary residence.
"Exotic Car" includes any Automobile manufactured by Aston Martin,
Bentley, Bricklin, Daimler, De Lorean, Excalibur, Ferrari, Jensen,
Lamborghini, Lotus, Jaguar, Maserati, Porsche, Rolls Royce or any
similar automobile.
"Expected Medical Treatment" means Medical Consultation or
hospitalization which has been shown, by prior medical history, as
probable or certain to occur.
"Hospital" means an incorporated or licensed hospital having
accommodation for resident in-patients, a laboratory, a registered
graduate nurse and physician always on duty and an operating room where
surgical operations are performed by a legally licensed medical
physician or physicians. In no event shall this include a convalescent
or nursing home, home for the aged, health spa, or an institution for
the care of drug addicts, alcoholics or persons suffering from mental or
nervous disorders.
"Family Member" means the Insured's legal or common-law spouse, parent,
brother, sister, legal guardian, step-parent, step-child, step-brother,
step-sister, aunt, uncle, niece, nephew, grandparent, grandchild,
in-law, ward, natural or adopted child.
"Injury" means accidental bodily injuries received while this insurance
is in force resulting in loss, independent of Sickness and all other
causes.
"Insured" means an eligible person over the age of 14 days whose name
appears on the Declaration Form and who has paid the required premium
and meets all the conditions of the plan selected.
"Key Employee" means a business partner or an employee whose continued
presence is critical to the ongoing affairs of the business during the
Insured's absence.
"Medical Consultation" means the obtaining of any medical services from
a licensed medical practitioner for an ailment, illness or disease,
which includes any or all of: history taking, medical examination,
investigative testing, advice or treatment, and for which a diagnosis of
the condition need not have been definitively made. Does not include
regular medical check-ups where there is no medical clinical sign, or
patient portrayed symptoms.
"Period of Coverage" means the number of days coverage for which premium
has been paid and for the dates indicated on the Policy.
"Physical Damage or Loss" means loss or damage to the Automobile for
which the Insured might be liable (excluding tires unless coincident
with other loss or damage covered herein) caused by fire, theft,
explosion, earthquake, windstorm, hail, rising water, malicious
mischief, riot, civil commotion or collision with another object or by
upset.
"Professional" means any person who earns the majority of their income
from a particular sporting activity.
"Sickness" means illness or disease causing loss commencing while this
Insurance is in force.
"Spouse" means a person who is legally married to the Insured, or has
been living in a common-law relationship (either opposite sex or same
sex) with the Insured for a continuous period of at least one year and
who resides in the same household as the Insured.
"Travelling Companion" means a person who has pre-paid shared
accommodation or transportation with the Insured. (Maximum of five
persons including the Insured.)
"Travel Supplier" means a licensed tour operator, licensed travel
wholesaler, licensed ground transporter, airline or accommodation
facility which has contracted to supply services to the Insured and
whose services were arranged by a Canadian travel agent. U.S. airlines
are not covered unless part of a package tour.
"Trip" means the entire trip contracted by the Insured and for which the
premium was paid. |
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| | Copyright © 2001-2004 Javisa International Ltd and others - All rights
claimed and asserted - Javisa Travel ® © |
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