|
|
|
|
|
| |
Baggage Insurance
|
| |
|
Click: for PDF copy of policy |
| This insurance pays for
loss or damage to baggage or personal effects and injury of an
accompanying cat or dog. For further details read on: |
| Coverage begins at 12:01
a.m. on the Effective Date as indicated on the Declaration Form and
terminates at the earliest of: a) 12:00 midnight on the expiry date or
b) the time the Insured returns to the province or territory of
residence. |
This Insurance shall be
void and the premium paid shall be refunded if:
|
a) |
Purchased or
effective after departure, or if purchased for a Trip not originating
in Canada, unless authorization has been provided by T.I.C. |
|
b) |
The entire
Trip is cancelled prior to departure. |
|
|
Baggage Plan |
|
Days |
$1,000 limit |
$1,500 limit |
|
1-5 |
$20/trip |
$25/trip |
|
6-10 |
$30/trip |
$45/trip |
|
11-18 |
$50/trip |
$65/trip |
|
19-35 |
$70/trip |
$90/trip |
|
36-60 |
$100/trip |
$130/trip |
|
61-180 |
$1.50/day * |
$2.00/day * |
|
* For trips over 60 days, add the 60-day premium plus the daily rate for
each day over 60. |
|
|
DESCRIPTION OF COVERAGE |
|
1. |
Baggage insurance pays for loss or damage
to owned or borrowed baggage, personal effects normally carried by the
Insured up to the Sum Insured as indicated on the Declaration Form.
Coverage is limited to $500 under Trip Cancellation & Interruption
Select plans. The amount of loss or damage sustained in each event
shall be determined separately and from the amount so determined there
shall be deducted $50. The expenses paid are in excess of any amounts
payable under any other insurance or source. |
|
2. |
In the event of loss or damage to baggage
or personal effects, the liability of the Insurer shall be limited to
$300 per single article, matched pair or set or group of related
articles. |
|
3. |
The Insurer will not pay more than the
least of the following amounts: |
| |
a) |
The actual cash value of the property, with proper deduction for
depreciation, at the time of loss or damage. |
| |
b) |
The amount for which the property could be repaired to its condition
prior to the damage. |
| |
c) |
The amount for which the property could be replaced with property of
like kind and quality. |
|
^ Top
|
|
|
BENEFITS |
|
1. |
Personal
Effects - covers personal effects for: the personal use, adornment or
amusement of the Insured or any member of the Insured's family
travelling with the Insured. |
|
2. |
Personal
Currency - pays up to $100 reimbursement for loss of personal currency
when caused directly by theft or robbery (specifically excluding
mysterious disappearance). |
|
3. |
Wheelchair -
pays up to $100 reimbursement for repairs or rental replacement of the
Insured's wheelchair (or standard special features) in the event the
wheelchair is rendered inoperable through damage incurred during
normal usage. |
|
4. |
Injury of
Accompanying Cat or Dog - pays up to $200 reimbursement for emergency
care due to unexpected Injury of accompanying cat or dog. |
|
5. |
Travel
Documents - Insures costs for replacement of one or more of the
following documents: passport, driver's license, birth certificate or
travel visa when caused directly by theft or robbery (specifically
excluding mysterious disappearance) up to a maximum amount of $100. |
|
|
EXCLUSIONS |
|
Benefits are not payable for loss as a
result of: |
|
BAG1 |
Act of War, kidnapping, hijacking 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. |
|
BAG2 |
Loss or damage caused by wear and tear, deterioration, moths or
vermin. |
|
BAG3 |
Loss or damage to: contact lenses, prescription eye glasses,
artificial teeth and limbs, hearing aids, forms of money and currency
(except as provided for personal currency), securities, tickets,
credit cards, statuary, paintings, breakage of fragile or brittle
objects, objects of art or antiques, or animals (except cats and
dogs). |
|
BAG4 |
Nuclear energy or any nuclear contamination from any cause whatsoever. |
|
^ Top
|
|
|
LIMITATIONS |
|
1. |
Maximum length of coverage: 365 days |
|
2. |
Minimum length of coverage: Must be purchased for the entire
duration of the Insured's Trip. |
|
3. |
Geographic Coverage: Outside the Insured's province or territory of
residence, worldwide. |
|
|
CONDITIONS |
|
1. |
A police report is required in the event baggage and/or personal
effects are stolen. |
|
2. |
Failure by the Insured to comply with the Claims Procedure shall
invalidate any claims under this coverage. |
|
|
GENERAL CONDITIONS |
|
Applicable to all insurances in this policy booklet. |
|
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. |
|
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. |
|
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. |
|
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. |
|
5. |
Benefits payable do not include interest
charges. |
|
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. |
|
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. |
|
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. |
|
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. |
|
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. |
|
11. |
The Insured shall be responsible for the verification of |
| |
a) |
any medical expenses incurred and shall
obtain itemized accounts of all medical services which have been
provided, |
| |
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, |
| |
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. |
|
12. |
All Benefits and Limitations stated in this Policy are deemed to
be in Canadian currency (CAD). |
|
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. |
|
14. |
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%. |
|
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. |
|
^ Top
|
|
Extended Coverage After Termination |
|
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. |
|
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. |
|
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. |
|
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. |
|
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. |
|
^ Top
|
|
|
REFUNDS |
|
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: |
|
Emergency Excess Hospital and Medical
Coverage: |
|
a) |
The entire Trip is cancelled prior to the Effective Date. |
|
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. |
|
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: |
|
a) |
The Trip is cancelled by the Travel Supplier and the Insured does not
travel as booked. |
|
b) |
The Travel Supplier changes the travel dates and the Insured is unable
to travel on those dates and all penalties are waived. |
|
c) |
The Insured cancels the Trip before any penalties come into effect. |
|
Visitors to Canada Medical and Hospital
Coverage: |
|
a) |
The entire Trip is cancelled prior to the Effective Date |
|
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 |
|
c) |
The Insured is covered under a provincial or territorial hospital/
medical plan. |
|
Baggage, Accidental Death & Disablement,
Air Flight Accident, and Trip Interruption: |
|
a) |
The entire Trip is cancelled prior to the Effective Date. |
|
^ Top
|
|
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. |
|
^ Top
|
|
| |
|
|
|
| |
| |
|
|
| | Copyright © 2001-2004 Javisa International Ltd and others - All rights
claimed and asserted - Javisa Travel ® © |
|
