BMO Total Travel and Medical Protection · BMO ® Total Travel and Medical Protection CERTIFICATE OF INSURANCE Inside You’ll find all You need to know about the BMO Total Travel

BMO® TotalTravel and MedicalProtectionC E R T I F I C A T E O F I N S U R A N C E

Inside You’ll find all You need to know about the

BMO Total Travel and Medical Protection

features and benefits offered to BMO MasterCard®*

Cardholders.

CERTIFICATE OF INSURANCE

IMPORTANT NOTICE – PLEASE READ CAREFULLY

This Certificate of Insurance is designed to coverlosses arising from sudden and unforeseeablecircumstances only. It is important that You read andunderstand this Certificate of Insurance as Yourcoverage is subject to limitations and exclusions.

The Out-of-Province/Out-of-Country EmergencyMedical insurance coverage is available only if Youare under age seventy-five (75). All other benefitsdescribed herein are available to You regardless ofYour age. This includes the Primary Cardholder,his/her Spouse and Dependent Children. EmergencyMedical coverage is for the first thirty-one (31) days ofYour Trip only. For Trips of a longer duration You maybe able to purchase additional coverage. Call1-877-704-0341 or 1-519-741-0782.

Right to examine this insurance: If You notify Us thatthis insurance does not meet Your needs within ten (10)days of the date of purchase, We will provide a fullrefund if You have not already departed on a Trip andhave not incurred a claim. Refunds are only availablewhen the Operations Centre receives Your request for arefund before Your scheduled Departure Date.

Warning: This Certificate of Insurance contains a Pre-existing Conditions Exclusion for Trip Cancellation,Trip Interruption/Trip Delay, Flight Delay andEmergency Medical benefits. The Pre-existingConditions Exclusion is applicable to MedicalConditions and/or symptoms that existed on or priorto the date Your Coverage Period began.

There is no coverage under this Certificate ofInsurance for Pre-existing Conditions as described inthe Limitations and Exclusions sections 4.3.4 and4.5.2 of this Certificate of Insurance.

You must notify Allianz Global Assistance throughthe Operations Centre when You need medicalTreatment, within twenty-four (24) hours whenbeing admitted to a Hospital, or as soon as reasonablypossible. Alternatively, someone else may call onyour behalf if Your Medical Condition prevents Youfrom calling. If You do not notify the OperationsCentre as soon as possible You may receiveinappropriate or unnecessary medical Treatmentwhich may not be covered by this insurance.

Please note that Your prior medical history may bereviewed by Us, when a claim is reported.

This certificate contains a provision removing orrestricting the right of the insured to designatepersons to whom or for whose benefit insurancemoney is to be payable.

PLEASE READ YOUR CERTIFICATE CAREFULLYBEFORE YOU TRAVEL.

The Common Carrier Accidental Death andDismemberment benefits and Out-of-Province/Out-of-Country Emergency Medical benefits described hereinare underwritten by Allianz Global Risks US InsuranceCompany (Canadian Branch) (“Allianz”) under GroupPolicy No. FC310000-A. The Insured Person and anyclaimant under this insurance may request a copy of theGroup Policy subject to certain access restrictions.Group Policy No. FC310000-A is referred to herein as(the “Policy”) issued to Bank of Montreal (the“Policyholder”, “BMO”). All other benefits describedherein, are offered by Allianz to You under an individualpolicy which number corresponds to the last 4 digits ofYour BMO MasterCard number (the “individualPolicies”). The insurance described in this Certificate ofInsurance is for eligible MasterCard PrimaryCardholders of BMO whose Accounts are in GoodStanding and where specified, their Spouses, DependentChildren and/or certain other persons (referred toherein as “You” or “Your”). This insurance isadministered by Allianz Global Assistance through theOperations Centre. BMO receives compensation fromthe sale of this insurance.

This Certificate of Insurance is effective on the dateBMO receives and approves the Primary Cardholder’srequest that this insurance be included as a feature oftheir MasterCard.

The Out-of-Province/Out-of-Country EmergencyMedical benefits are subject, in every respect, to theterms of the Policy, which alone constitutes theagreement under which payments are made. Only BMOmay determine who is a Primary Cardholder, whetheran Account is in Good Standing.

No person is eligible for coverage under more than onecertificate of insurance providing insurance coveragesimilar to that provided hereunder. In the event that anyperson is recorded by Us as an “Insured Person” undermore than one such certificate, such person shall bedeemed to be insured only under the certificate, whichaffords that person the greatest amount of insurancecoverage. In no event will a corporation, partnership orbusiness entity be eligible for this insurance coverage.This Certificate of Insurance supersedes any certificatepreviously issued to You.

TABLE OF CONTENTS

1 Definitions .......................................................... 32 Insurance Effective and Termination Date .... 83 Eligibility ............................................................ 84 Coverage Period and Description of Benefits ... 8

4.1 Car Rental Benefits .................................. 84.1.1 Collision Damage Waiver (CDW)

Benefits ................................................... 10

4.1.2 Car Rental Accidental Death andDismemberment Benefits ......................11

4.1.3 Car Rental Personal Effects Benefits..... 134.1.4 Car Rental Benefits Limitations and

Exclusions ...............................................134.1.4.1 General Car Rental Benefits Limitations

and Exclusions.........................................134.1.4.2 Collision Damage Waiver (CDW)

Benefits Limitations and Exclusions .....154.1.4.3 Car Rental Personal Effects Benefits

Limitations and Exclusions....................164.2 Trip Assistance ....................................... 174.2.1 Trip Assistance Services ........................ 174.2.2 Legal Assistance Services ..................... 174.3 Trip Cancellation, Trip Interruption/

Trip Delay and Flight Delay Benefits.....184.3.1 Trip Cancellation Benefits

(Prior to Departure).................................184.3.2 Trip Interruption/Trip Delay Benefits

(Post Departure) ......................................204.3.3 Flight Delay Benefits...............................234.3.4 Trip Cancellation, Trip Interruption/Trip

Delay and Flight Delay BenefitsLimitations and Exclusions....................23

4.4 Baggage and Personal Effects Benefits...264.4.1 Coverage Period and Benefits ................264.4.2 Baggage and Personal Effects Benefits

Exclusions................................................274.5 Out-of-Province/Out-of-Country

Emergency Medical Benefits..................284.5.1 Coverage Period and Benefits ................284.5.2 Out-of-Province/Out-of-Country

Emergency Medical Benefits Limitations and Exclusions....................31

4.5.3 What Should You Do in the Event of a Medical Emergency?............................34

4.5.4 Out-of-Province/Out-of-Country Emergency Medical Assistance Services....................................................35

4.6 Common Carrier Accidental Deathand Dismemberment Benefits ...............36

4.6.1 Common Carrier Accidental Death and Dismemberment Limitationsand Exclusions ........................................37

5 Conditions..........................................................386 General Provisions............................................397 Notice of Claim and Filing a Claim.................40

7.1 Notice of Claim ................................................407.2 Filing a Claim...................................................41

8 Protecting Your Personal Information ...........43

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In this Certificate of Insurance, certain terms havedefined meanings. Defined terms are capitalizedthroughout this document. Those Defined terms areas follows.

1 DEFINITIONSAccidental Bodily Injurymeans bodily Injury causeddirectly and independently of all other causes byexternal and purely accidental means. The accidentmust occur during the Coverage Period and the loss towhich the insurance applies must result within threehundred and sixty-five (365) days of the date of thebodily Injury and must not result from any of theexclusions.

Accountmeans the Primary Cardholder’s MasterCardaccount, which is in Good Standing.

Actual Cash Valuemeans We will pay the lesser of:• the actual purchase price of a similar item; • the actual cash value of the item at the time ofloss, which includes deduction for depreciation(for items without receipts, the insurance willpay up to 75% of the determined depreciatedvalue); or

• the cost to repair or replace the item.

Baggage means luggage and personal possessions,whether owned, borrowed or rented, and taken by Youon the Trip.

Benefit Amount means the Loss amount applicable atthe time the entire cost of the Passenger Fare(s) ischarged to Your MasterCard Account.

Certificate of Insurance means a summary of thebenefits provided under the Policy issued to BMOcovering accident and sickness, and the IndividualPolicy for all other benefits.

Common Carrier means any land, air or waterconveyance for regular passenger service, which isfully licensed to carry passengers for compensation orhire and which undertakes to carry all personsindifferently as to who may apply for passage, so longas there is room and there is no legal excuse for refusal.

Coverage Period means the time insurance is ineffect, as indicated in the various sections of thisCertificate of Insurance.

Covered Servicemeans a service or supply, specifiedherein, for which We provide benefits under thisCertificate of Insurance.

Departure Date means the date on which You departon Your Trip.

Dependent Child(ren) means an unmarried natural,adopted or stepchild of a Primary Cardholderdependent on the Primary Cardholder formaintenance and support who is:

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• twenty (20) years of age and under; or• twenty-five (25) years of age and under and afull-time student attending a recognizedcollege or university; or

• twenty-one (21) years of age or older andpermanently mentally or physically challengedand incapable of self-support and became sowhile eligible as a dependent child.

Emergency Dental Care means the services orsupplies provided by a licensed dentist, Hospital orother licensed provider that are immediately andMedically Necessary.

Essential Items means necessary clothing and/ortoiletries purchased during the time period in whichchecked Baggage has been delayed.

Family Cardholder means a Primary Cardholder’sSpouse and/or Dependent Child who have been issueda supplemental MasterCard on the Account by BMO.

Government Health Insurance Plan (GHIP) meansthe health insurance plan offered by Your Canadianprovince or territory of residence.

Good Standing means being in full compliance withall of the provisions of the cardholder agreement inforce between the Primary Cardholder and BMO, asamended from time to time.

Hospital means an institution which is licensed toprovide, on an Inpatient basis, medical care andTreatment of sick and injured persons throughmedical, diagnostic and major surgical facilities,under the supervision of a staff of Physicians and withtwenty-four (24) hour a day service; however, Hospitaldoes not include any institution or part of aninstitution which is licensed or used principally as aclinic, a continued care or extended care facility, aconvalescent home, a rest home, a nursing home or ahome for the aged, or a health spa or a treatment centrefor drug addiction or alcoholism.

Immediate Family Member means the InsuredPerson’s Spouse, child including adopted children andstepchildren, parent, sibling, legal guardian, parent-in-law, grandparents, grandchildren, daughter-in-law,son-in-law, brother-in-law and sister-in-law.

Injury means any bodily harm caused by an accidentwhich results in a covered loss and which requires theimmediate medical care or Treatment of a Physician.

Inpatient means a person who is treated as aregistered bed patient in a Hospital or other facilityand for whom a room and board charge is made.

Insured Person means those persons covered for thebenefits described in this Certificate of Insurance asspecifically defined in each of the benefit sections.

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Loss means, with respect to a hand, completeseverance throughout or above the knuckle joints of atleast four (4) fingers on the same hand; with respect toa foot, complete severance through or above the anklejoint. We will consider it a loss of hand or foot even ifthey are later reattached.

MasterCardmeans a MasterCard issued by BMO andfor which BMO has received and approved thePrimary Cardholder’s request to include thisinsurance as a feature of the card.

Medical Condition means any Sickness, Injury orsymptom.

Medical Emergency means any unforeseen Sicknessor Injury, which occurs during a Trip. A medicalemergency ends when the Sickness or Injury has beentreated such that Your condition has stabilized.Treatment provided when medical evidence indicatesYou could delay Treatment or return to Canada forsuch Treatment is not considered a medicalemergency and is not covered.

Medically Necessary or Medical Necessitymeans theservices or supplies provided by a Hospital, Physician,licensed dentist or other licensed provider that arerequired to identify or treat Your Sickness or Injuryand that We determine are:

• Consistent with the symptom or diagnosis andTreatment of Your condition, Sickness, ailmentor Injury;

• Appropriate with regard to standards of goodmedical practice;

• Not solely for the convenience of You, aPhysician or other licensed provider; and

• The most appropriate supply or level of servicethat can be safely provided to You.

When applied to the care of an Inpatient, it furthermeans that Your medical symptoms or conditionrequire that the services cannot be safely provided toYou as an Outpatient.

Mysterious Disappearancemeans when the article ofpersonal property in question cannot be located, andthe circumstances of its disappearance cannot beexplained and do not lend themselves to a reasonableinference that a theft occurred.

Occupyingmeans in, upon, entering into or alightingfrom.

Operations Centre means the Operations Centermaintained by Allianz Global Assistance. FromCanada and the U.S. call 1-877-704-0341. Fromelsewhere call collect 1-519-741-0782.

Outpatient means someone who receives a CoveredService while not an Inpatient.

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Passenger Faremeans a ticket for travel on a CommonCarrier which has been completely charged to theAccount. Tickets obtained through the redemption ofloyalty points earned under the MasterCard rewardprogram are eligible providing that all applicable taxesand/or fees have been charged to the Primary orFamily Cardholder’s Account or paid through theredemption of loyalty points earned under theMasterCard reward program.

Personal Effects means property normally worn ordesigned to be carried on or by an Insured Personsolely for private purposes and not used for business.

Physician means a person, other than an InsuredPerson or member of the Insured Person’s family (byblood or marriage), who is a medical practitioner andwhose legal and professional standing within his orher jurisdiction is equivalent to that of a doctor ofmedicine (M.D.) licensed in Canada.

Primary Cardholder means the cardholder who hassigned an application for a MasterCard, as primarycardholder, and for whom the MasterCard Account isestablished and for whom BMO has received andapproved a request to include this insurance as afeature of the MasterCard.

Reasonable and Customary Charges means chargeswhich do not exceed the general level of charges madeby other providers of similar standing in the locality orgeographical area where the charges are incurred,when furnishing comparable Treatment, services orsupplies for a similar Medical Emergency.

Recurrence means the appearance of symptomscaused by or related to a Medical Condition, whichwas previously diagnosed by a Physician or for whichTreatment was previously received.

Rental Car means a land motor vehicle with fourwheels, that is designed for use mainly on public roadsand which You have rented from a commercial rentalagency for Your personal use for the period of timeshown on the Rental Car Agreement. Certain motorvehicles are not covered, please refer toSection 4.1.4.2. With regards to the Collision DamageWaiver (CDW) Benefits described under Section 4.1.1a Rental Car may also include a commercial carsharing program of which You are a member.

Rental Car Agreement means the entire writtencontract that You receive when renting a car from acommercial rental car agency that describes in full allof the terms and conditions of the rental, as well as theresponsibilities of all parties under the Rental CarAgreement. With regards to the Collision DamageWaiver (CDW) Benefits described under Section 4.1.1a Rental Car Agreement may also include a

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commercial car sharing program of which You are amember and the terms and conditions thereof.

Sickness means any sudden illness or diseaserequiring the immediate medical care or Treatment ofa Physician.

Spousemeans the person who is legally married to thePrimary Cardholder; or if there is no such person, theperson who has been living with the PrimaryCardholder in a conjugal relationship and who residesin the same household as the Primary Cardholder andis publicly represented as the spouse of the PrimaryCardholder. For the purposes of this insurance thePrimary Cardholder may have only one (1) spouse.

Terrorism means the unsanctioned and illegal use offorce that causes destruction of property, Injury ordeath by an individual or group for the expresspurpose of achieving a political, ethnic or religiousgoal or result.

Ticketmeans evidence of full fare paid for travel on aCommon Carrier, which has been partially orcompletely charged to the Primary or FamilyCardholder’s Account. Ticket(s) obtained through theredemption of loyalty points earned under theMasterCard reward program are eligible for coverage.

Travel Advisorymeans a formal written notice issuedby the Canadian government to advise travelersagainst non-essential travel to a foreign country or agiven region in that country. This does not includetravel information reports.

Travel Companion is any person who travels with thePrimary Cardholder for the entire Trip and whose farefor transportation and/or accommodation was entirelyprepaid at the same time as the Primary Cardholder.

Treatmentmeans medical advice, care and/or serviceprovided by a Physician. This includes, but is notlimited to, diagnostic measures and prescribed drugs(including pills and inhaled or injected medications).It does not include checkups or cases where You haveno specific symptoms.

Tripmeans a defined period of travel of definite lengthfor which the full cost, or portion of the cost, of YourTicket has been charged to the Primary or FamilyCardholder’s Account. Tickets obtained through theredemption of loyalty points earned under theMasterCard reward program are eligible for coverage.

Please note: You do not need to charge Your Trip to YourMasterCard to be eligible for Out-of-Province/Out-of-Country Emergency Medical coverage, providing YourMasterCard Account is in Good Standing.

We, Our, Usmeans Allianz Global Risks US InsuranceCompany (Canadian Branch).

You or Yourmeans the Insured Person.

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2 INSURANCE EFFECTIVE ANDTERMINATION DATE

Except as otherwise stated herein, this insurance shallcome into effect on the date BMO receives andapproves the Primary Cardholder’s request to includethe BMO Total Travel and Medical Protection as afeature of their MasterCard.

Except as otherwise stated herein, this insurance shallterminate for all insureds on the earliest of:1. the date the Insured Person is no longer eligible to

participate; 2. the date the eligible Account is defined as

ineligible by BMO; 3. 00:01h of the date the Primary Cardholder cancels

this coverage, or otherwise chooses to close theMasterCard Account; or

4. the date the Policy is terminated.

3 ELIGIBILITYYou are eligible for this insurance while You meet all ofthe following conditions:1. You are a BMO MasterCard Primary Cardholder

with an Account in Good Standing;2. For Out-of-Province/Out-of-Country Emergency

Medical Benefits, You are under age seventy-five(75) at time of purchase or on Your annual renewaldate, (for Dependent Children see the definitionfor age limits). All other benefits described hereinare available to You regardless of Your age;

3. You are a resident of Canada;4. You are covered by a GHIP.

If You are age 75 or older and wish to obtain alternativeoptional Out-of-Province/Out-of-Country EmergencyMedical coverage, please contact the OperationsCentre. From Canada and the U.S. call 1-877-704-0341.From elsewhere call collect 1-519-741-0782.

4 COVERAGE PERIOD ANDDESCRIPTION OF BENEFITS

4.1 CAR RENTAL BENEFITS

Coverage EligibilityThe Car Rental Benefits apply when You enter into anon-renewable Rental Car Agreement for a four-wheelpassenger vehicle, where the total rental period doesnot exceed forty-eight (48) days, subject to limitationsand exclusions (as outlined in Section 4.1.4) and thefollowing requirements:1. the Rental Car must be rented by the Primary

Cardholder, or a Family Cardholder; and

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2. the Rental Car must be rented from a commercialcar rental agency; and

3. the full cost, or portion of the rental cost, must beeither charged to the Account or paid through theredemption of loyalty points earned under theMasterCard reward program. An eligible RentalCar included in a pre-paid travel package iscovered if the full cost, or portion of the cost, of thetravel package was charged to the Account; orpaid through the redemption of loyalty pointsearned under the MasterCard reward program;and

4. You must not rent more than one vehicle at a timeduring a rental period; and

5. You must decline the collision damage waiverbenefits (or similar provisions, such as “lossdamage waiver”) offered by the rental agency(when not prohibited by law). If there is no spaceon the Rental Car Agreement to decline coverage,You must write on the contract “I decline the CDWprovided by the Rental Agency.” If such coverageis not available from the rental agency, then CDWbenefits are not available under this Certificate ofInsurance; and

6. the Rental Car must have been operated by thePrimary Cardholder, a Family Cardholder, thePrimary Cardholder’s Spouse or Dependent Childlisted on the Rental Car Agreement andauthorized to operate the Rental Car under theRental Car Agreement in accordance with itsconditions when the loss occurs.

Coverage PeriodFor a Rental Car to be eligible for coverage, thisinsurance must be a feature of the MasterCard prior toentering into the Rental Car Agreement or prior to theInsured Person taking control of the Rental Car.Insurance coverage begins as soon as the PrimaryCardholder, the Family Cardholder, the PrimaryCardholder’s Spouse or Dependent Child who isauthorized to operate the Rental Car under the RentalCar Agreement takes control of the Rental Car. Thetotal rental period must not exceed forty-eight (48)consecutive days. In order to break the consecutiveday cycle, a full calendar day must exist betweenrental periods. If the rental period exceeds forty-eight (48) consecutive days, coverage under thisCertificate of Insurance will be void.

Insurance coverage ends at the earliest of:1. the time when the rental agency assumes control

of the Rental Car, whether it be at its place ofbusiness or elsewhere. Rental keys left in a lockeddrop box does not constitute that the rentalagency has assumed control of the Rental Car;

2. the end of the chosen rental period; or

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3. the date on which the Primary Cardholder’scoverage is terminated in accordance with the“Insurance Effective and Termination Date”provision set out above.

4.1.1 COLLISION DAMAGE WAIVER(CDW) BENEFITS

Insured Personmeans the Primary Cardholder, FamilyCardholder, Primary Cardholder’s Spouse orDependent Child(ren).

Coverage BenefitsSubject to the terms and conditions, You are coveredfor Rental Cars with a Manufacturer’s Suggested RetailPrice (MSRP), in its model year, up to a maximum of$65,000 for:

1. damage to the Rental Car; and2. theft of the Rental Car or any of its respective parts

or accessories; and3. rental agency charges for valid loss-of-use, while

the Rental Car is being repaired; and4. reasonable and customary charges for towing the

Rental Car to the nearest available facility.

This coverage does not provide any form of thirdparty automobile, property damage or personalinjury liability insurance. It is the responsibility ofthe Insured Person to have adequate third partyinsurance, either through their own automobileinsurance policy or by accepting the insuranceoffered through the rental agency.

The amount of the benefit payable will be equal to thecost of the repair (including loss-of-use) orreplacement cost of Your Rental Car which has beendamaged or stolen, less any amount or portion of theloss assumed, waived or paid by the car rental agency,its insurer, or a third party insurer.

In the event of a claim, the Insured Person mustcontact the Operations Centre as soon as possible orwithin forty-eight (48) hours. We will need thefollowing information:

• a copy of the driver’s license of the person whowas driving the Rental Car at the time of theaccident;

• a copy of the loss/damage report Youcompleted with the rental agency;

• a copy of the original police report when theresulting loss from damage or theft was over$500;

• a copy of Your MasterCard sales draft, and Yourstatement of Account showing the rentalcharge. This charge must appear on Your creditcard statement within ninety (90) days of theincident;

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• the original front and back pages of the openedand closed-out Rental Car Agreement, or ifapplicable, a copy of Your membershipagreement with the car sharing program, acopy of the visual inspection report completedprior to assuming control of the vehicle andconfirmation of Your time booked;

• a copy of the itemized repair estimate, finalitemized repair bill and parts invoices;

• original receipt(s) for any repairs for which Youmay have paid; and

• if the loss-of use is charged, a copy of the rentalagency’s daily utilization log from the date theRental Car was not available for rental, to thedate the Rental Car became available to rent.

Please see section 4.1.4 for applicable limitationsand exclusions.

4.1.2 CAR RENTAL ACCIDENTALDEATH AND DISMEMBERMENTBENEFITS

Insured Person means the Primary Cardholder andhis/her Spouse and Dependent Child(ren) whileOccupying an eligible Rental Car.

Coverage Benefits Car Rental Accidental Death and DismembermentInsurance covers an Insured Person who suffers a“loss”, as defined as follows, arising as a result of anAccidental Bodily Injury to the Insured Person whileOccupying an eligible Rental Car.

“Loss of hand or foot” means dismemberment bycomplete and permanent severance at or above thewrist or ankle joint. “Loss of thumb and index finger”means complete and permanent severance of thethumb and index finger on the same hand. “Loss ofsight” means complete and irrecoverable loss of allvisual acuity and it must be the direct result of physicaldamage to the eye and/or optic nerve. Legal blindnessis not the standard for determining Loss of sight underthis Certificate of Insurance. “Loss of speech orhearing” must be complete and irrecoverable.

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Loss means one of the following losses as definedherein:

Amount of BenefitPrimary EachCardholder Additional

InsuredPerson

Loss

Loss of Life $200,000 $20,000

Loss of Both Hands or Feet $200,000 $20,000

Loss of One Foot orOne Hand and theEntire Sight of One Eye $200,000 $20,000

Loss of Entire Sightof Both Eyes $200,000 $20,000

Loss of One Handand One Foot $200,000 $20,000

Loss of Speech and Hearing $200,000 $20,000

Loss of One Handor One Foot $100,000 $10,000

Loss of Entire Sightof One Eye $100,000 $10,000

Loss of Speech $100,000 $10,000

Loss of Hearing $100,000 $10,000

Loss of Thumb andIndex Finger onthe Same Hand $ 50,000 $ 5,000

The maximum benefit payable for any one accident is$300,000. If more than one of the described Losses issustained by an Insured Person in any one accident,then the total benefit payable for that accident islimited to the greatest amount payable for any one ofthe Losses sustained.


Exposure and DisappearanceIf by reason of an accident covered by this Certificateof Insurance an Insured Person is unavoidablyexposed to the elements and as a result of suchexposure suffers a loss for which indemnity isotherwise payable hereunder, such loss will becovered hereunder.

If the body of an Insured Person has not been foundwithin twelve (12) months after the date of

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disappearance as the result of the sinking or wreckingof a vehicle in which the Insured Person was riding atthe time of the accident and under such circumstancesas would otherwise be covered hereunder, it will bepresumed that the Insured Person suffered loss of liferesulting from Accidental Bodily Injury.

Beneficiary Any accidental death benefit payable under thisCertificate of Insurance will be paid to the PrimaryCardholder, if living, otherwise to the estate of thePrimary Cardholder, unless a beneficiary designationhas been filed with Allianz Global Assistance. All otherbenefits are payable to the Primary Cardholder.

4.1.3 CAR RENTAL PERSONALEFFECTS BENEFITS

Insured Person means the Primary Cardholder,his/her Spouse and Dependent Child(ren) travellingwith the Primary Cardholder or Family Cardholderwho has rented the Rental Car.

Coverage BenefitsThis Personal Effects insurance covers theft or damageto Personal Effects belonging to an Insured Personwhile such Personal Effects are in a Rental Car duringa Trip for the duration of an eligible rental period.

Coverage during such rental period will be the ActualCash Value of Your Personal Effects up to a maximumof $1,000 for each Insured Person, per occurrence.Total benefits during each rental period are limited to$2,000 per Account.


4.1.4 CAR RENTAL BENEFITSLIMITATIONS AND EXCLUSIONS

4.1.4.1 GENERAL CAR RENTALBENEFITS LIMITATIONS ANDEXCLUSIONS

This insurance does not cover certain risks. We will notpay any of the Car Rental benefits if a claim is directlyor indirectly a result of one or more of the following:

Damage - wear and tear, gradual deterioration,mechanical or electrical breakdown or failure, insectsor vermin, inherent flaw or damage; damage causedby the use of incorrect fuel type;

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Loss of Vehicle Entry Device – loss, damage ormisplacement of vehicle entry devices;

Diminished Value - the amount by which the resalevalue of a damaged (or damage repaired) Rental Carhas been reduced for having a significant damagehistory;

Violation of Rental Car Agreement - operation of theRental Car in violation of the terms of the Rental CarAgreement;

Intentional Acts - damage due to intentional acts,while sane or insane;

Off-road operation - damage caused to the Rental Carby use off of publicly maintained roads;

Speed Contests - damage caused to the Rental Carwhile driving at a rate of speed that is a markeddeparture from the lawful rate of speed;

Intoxication - any event which occurs while theInsured Person is under the influence of illicit drugs oralcohol (where the concentration of alcohol in theInsured Person’s blood exceeds eighty (80) milligramsof alcohol in one hundred (100) millilitres of blood) orwhen the Insured Person illustrates a visibleimpairment due to alcohol or illicit drugs);

Drugs orPoison - any voluntary taking of poison, toxicsubstances or non-toxic substances or drugs, sedativesor narcotics, whether illicit or prescribed, in suchquantity that they become toxic, or voluntaryinhalation of a gas;

Disease - bodily or mental infirmity, Sickness, illness,or disease of any kind;

Medical Complications - medical or surgicaltreatment or complications arising therefrom, exceptwhen required as a direct result of an AccidentalBodily Injury;

Suicide - suicide, attempted suicide or self-inflictedInjury while sane or insane;

Illegal Trade - transporting contraband or illegaltrade;

Criminal Offence - committing or attempting tocommit a criminal offence or dishonest or fraudulentacts, or committing or provoking an assault;

War or Insurrection - declared or undeclared war, orany act of war, riot or insurrection; or service in thearmed forces of any country or internationalorganization; or hostilities, rebellion, revolution orusurped power;

Liability - other than for loss of, or damage to, theRental Car;

Expenses - assumed waived or paid by thecommercial car rental company or its insurers orpayable under any other insurance;

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Confiscation - confiscation by order of anygovernment or public authority;

Seizure or destruction - seizure or destruction undera quarantine or customs regulation.

4.1.4.2 COLLISION DAMAGE WAIVER(CDW) BENEFITS LIMITATIONSAND EXCLUSIONS

In addition to the General Car Rental BenefitsLimitations and Exclusions, these limitations andexclusions apply to Collision Damage Waiver (CDW)benefits:1. There is no coverage for any vehicle with a

Manufacturer’s Suggested Retail Price (MSRP) inits model year, over $65,000.

2. There is no coverage for additional rental feescharged by the rental agency for a replacementvehicle if required by You for the remainder of theoriginal rental period.

3. This coverage does not apply to Rental Cars whenYour rental period is more than forty-eight (48)consecutive days, or Your rental period isextended for more than forty-eight (48) days byrenewing or taking out a new rental agreementwith the same or another rental agency for thesame vehicle or other vehicles.

4. This coverage will not pay for the cost of anyinsurance offered by or purchased through the carrental company, even if such cost is mandatory orincluded in the price of the vehicle rental.

5. Vehicles which belong to the following categoriesare not covered:• vans (except as defined below);• trucks (including pick-ups) or any vehicle thatcan be spontaneously reconfigured into a pick-up truck;

• campers or trailers; • vehicles towing or propelling trailers or anyother object;

• off-road vehicles (Sport Utility Vehicles arecovered, provided they are not used as off-roadvehicles, are driven on maintained roads anddo not have an open cargo bed);

• motorcycles, mopeds or motorbikes;• expensive or exotic vehicles; • antique vehicles; • recreational vehicles or vehicles not licensedfor road use; and

• leased vehicles, with buyback guarantee.

Vans are covered provided that they:1. are for private passenger use with seating for no

more than eight (8) occupants including thedriver; and

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2. do not exceed a “3/4 ton” rating; and3. are not designed for recreational use (such as but

not limited to camping, operation on roads notmaintained by a federal, provincial, state or localauthority and is designed and manufactured foroff road use); and

4. are not to be used for hire by others.

Antique vehicles are ones which are over twenty (20)years old or when their model has not beenmanufactured for ten (10) years or more.

Limousines are not covered. However, standardproduction models of these vehicles that are not usedas limousines are covered provided that they have anMSRP, in their model year, of $65,000 or less.

4.1.4.3 CAR RENTAL PERSONALEFFECTS BENEFITS LIMITATIONSAND EXCLUSIONS

In addition to the General Car Rental BenefitsLimitations and Exclusions, these limitations andexclusions apply to the Car Rental Personal EffectsBenefits.1. Personal Effects do not include money (whether

paper or coin), tickets, consumable or perishablegoods, bullion, banknotes, negotiable instrumentsor other numismatic property.

2. Benefits are not paid if loss results fromMysterious Disappearance.

3. Reasonable effort must have been made by the InsuredPerson to protect their Personal Effects (e.g. lockingYour Personal Effects in the trunk of the Rental Carinstead of the front or back seat). If claiming as a resultof theft, evidence of forcible entry into the vehicle whileall its doors, windows and other openings are closedand locked must be submitted.

4. Personal Effects coverage is in excess of all otherapplicable valid insurance, indemnity orprotection available to the Insured Person inrespect of the item subject to the claim. We will beliable only for the excess of the amount of the lossor damage over the amount covered under suchother insurance, indemnity or protection and forthe amount of any applicable deductible, only if allother insurance has been exhausted and subject tothe exclusions, terms and limits of liability set outin this Certificate of Insurance. This coverage willnot apply as contributing insurance and this “non-contribution” shall supersede despite any “non-contribution provision” in other insuranceindemnity or protection policies or contracts.

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4.2 TRIP ASSISTANCE

4.2.1 TRIP ASSISTANCE SERVICES

Coverage EligibilityYou do not need to use Your MasterCard to be eligiblefor the following services.

Insured Person means the Primary Cardholder,Spouse and/or Dependent Child(ren).

Coverage Benefits

1. Emergency Cash TransferWhen You are travelling away from home, theOperations Centre will help You to obtain an emergencycash transfer which will be charged to Your Account(subject to credit availability to a maximum of $5,000,cash advance fees may apply) or payment for such costswill be arranged, if reasonably possible, through familyor friends if it cannot be charged to Your Account.

2. Lost Documents and Ticket ReplacementsThe Operations Centre will help You replace lost orstolen travel documents. The cost of obtainingreplacement documents will be charged to YourAccount (subject to credit availability) or payment forsuch costs will be arranged, if reasonably possible,through family or friends if they cannot be charged toYour Account.

3. Lost Luggage AssistanceThe Operations Centre will help You locate or replacelost or stolen luggage and Personal Effects. The cost ofobtaining replacement luggage and Personal Effectswill be charged to Your Account (subject to creditavailability) or payment for such costs will bearranged, if reasonably possible, through family orfriends if they cannot be charged to Your Account.

4. Pre-Trip InformationYou can call the Operations Centre to obtaininformation regarding passport and visa regulationsand vaccination and inoculation requirements for thecountry to which You are travelling.

4.2.2 LEGAL ASSISTANCE SERVICES

Coverage EligibilityYou do not need to use Your MasterCard to be eligiblefor the following services.


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Coverage BenefitsIf while travelling You require legal assistance, Youcan call the Operations Centre for referral to a locallegal advisor and/or for assistance with arrangementsfor the posting of bail and the payment of legal fees, toa maximum of $5,000, which will be charged to YourAccount (subject to credit availability).

4.3 TRIP CANCELLATION, TRIPINTERRUPTION/TRIP DELAYAND FLIGHT DELAY BENEFITS

4.3.1 TRIP CANCELLATION BENEFITS(PRIOR TO DEPARTURE)

Coverage EligibilityCoverage applies only when You charge the full cost,or portion of the cost, of Your Trip to the Primary orFamily Cardholder’s MasterCard when booking YourTrip.


Coverage PeriodCoverage begins at the time of purchase of Yourprepaid Trip and before any cancellation penaltieshave been incurred. Coverage ends at the time of Yourscheduled departure or date of cancellation,whichever is earliest.

Should You have to cancel a Trip before Yourscheduled Departure Date, You must cancel Your Tripwith the travel agent and notify the Operations Centrewithin forty-eight (48) hours of the event, whichcaused You to cancel Your Trip.

Coverage BenefitsYou will be reimbursed for the prepaid portion of YourTrip which is non-refundable or non-transferable toanother travel date, up to $2,500 per Insured Person toan overall maximum of $5,000 per Account. Coveragewill include any applicable fees associated with thereinstatement of BMO’s loyalty program’s miles orpoints.

Failure to notify Your travel agent and the OperationsCentre within forty-eight (48) hours may reduce theamount payable. Trip Cancellation benefits arepayable if You cancel a covered Trip when a coveredevent listed below occurs during the Coverage Period.1. The unexpected death, Sickness, Injury, or

quarantine of You, Your Immediate FamilyMember, Your Travel Companion or Your Travel

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Companion’s Immediate Family Member.Sickness and Injury must require the care andattendance of a Physician and the Physician mustrecommend in writing cancellation of the Trip.

2. The unexpected death, Sickness or Injury of acaregiver with whom You have contracted to carefor a dependent in Your absence. Sickness andInjury must require the care and attendance of aPhysician and the Physician must thenrecommend in writing cancellation of the Trip.

3. Complications of Your, or Your TravelCompanion’s, pregnancy within the first twenty-eight (28) weeks of pregnancy or complicationsfollowing the normal full term birth of a child.

4. Side effects and/or adverse reactions tovaccinations required for Your Trip.

5. Hospitalization or death of the host at Yourprincipal destination.

6. Cancellation of a planned business meeting due todeath or hospitalization of the person with whomthe Insured Person is to meet, or cancellation of aconference (for which the Insured Person haspaid registration fees) due to circumstancesbeyond the control of the Insured Person or theiremployer. Benefits are only payable to InsuredPerson(s) who are attending the meeting. Proof ofregistration will be required in the event of aclaim.

7. You, or Your Travel Companion, are selected forjury duty or subpoenaed to appear as witness incourt whereby the date of the hearing conflictswith the Trip.

8. A disaster renders Your, or Your TravelCompanion’s, principal residence uninhabitable,or Your or Your Travel Companion’s place ofbusiness unusable.

9. A transfer by Your employer necessitates a changeof Your permanent residence.

10. A call to service of the Insured Person(s) by theCanadian Government with respect to reservists,military, police or fire personnel.

11. Refusal of Your, or Your Travel Companion’s, visaapplication for the destination country providedthat documentation shows You are eligible toapply, that refusal is not due to late application,and that the application is not a subsequentattempt for a visa that had been previouslyrefused.

12. Involuntary loss of Your principal employmentprovided a letter of termination or official noticeof layoff is produced, and provided You had noknowledge of this loss at the time of Trip payment.

13. A Travel Advisory issued by the CanadianGovernment for Your ticketed destination afterYou book Your Trip.

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14. Default whereby a contracted travel supplierstops all service completely as a result ofbankruptcy or insolvency.

15. As a result of the delay of a connecting vehicle,You miss the scheduled departure as ticketed dueto: inclement weather; mechanical failure oraccident of a Common Carrier; a traffic accident;or an emergency police-directed road closure.Such delay due to traffic accident or emergencypolice-directed road closure must besubstantiated by an official police report. All suchmisconnections are subject to the connectingvehicle arriving at the point of departure not lessthan two (2) hours prior to schedule departuretime. In the event of a misconnection thisInsurance covers the entire Trip, up to thecoverage limits, as originally ticketed or the costof a one-way economy fare, via the most cost-effective route, to catch up to the tour or tocontinue Your Trip as originally booked.

16. Weather conditions delay Your connectingscheduled carrier for 30% or more of the totalduration of the Trip and You elect not to continuewith the Trip.

Please note: 1. You are not covered for circumstances which You

were aware of at time of purchasing Your Trip.2. Should You have to cancel a Trip before Your

scheduled Departure Date, You must cancel YourTrip with the travel provider and notify theOperations Centre within forty-eight (48) hours ofthe event that caused You to cancel Your Trip.


4.3.2 TRIP INTERRUPTION/TRIPDELAY BENEFITS (POSTDEPARTURE)

Coverage EligibilityCoverage applies only when You charge the full cost,or portion of the cost, of Your Trip to the Primary orFamily Cardholder’s MasterCard prior to departure.


Coverage PeriodCoverage begins at the time of Your departure on YourTrip. Coverage ends at the time of Your return to Youroriginal point of departure.

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Should You have to delay Your scheduled return date,You must notify the Operations Centre within forty-eight (48) hours of the event forcing Your delay, toenable the Operations Centre to assist You in makingalternative travel arrangements. Failure to notify theOperations Centre within forty-eight (48) hours mayreduce the amount payable.

Coverage BenefitsYou will be reimbursed for the extra cost of a one-wayeconomy airfare to Your departure point or to thedestination point and any unused non-refundable landarrangements up to a maximum of $2,000 per InsuredPerson. Trip Interruption or Trip Delay benefits arepayable when a covered event listed below occursbefore Your scheduled return date:1. The unexpected death, Sickness, Injury or

quarantine of You, Your Immediate FamilyMember, Your Travel Companion or Your TravelCompanion’s Immediate Family Member.Sickness and Injury must require the care andattendance of a Physician and the Physicianrecommends in writing that You interrupt ordelay Your Trip.

2. The unexpected death, Sickness or Injury of acaregiver with whom You have contracted to carefor a dependent in Your absence. Sickness andInjury must require the care and attendance of aPhysician and the Physician recommend inwriting that You interrupt or delay Your Trip.

3. Complications of Your or Your TravelCompanion’s pregnancy within the first twenty-eight (28) weeks of pregnancy or complicationsfollowing the normal full term birth of a child.

4. Side effects and/or adverse reactions tovaccinations required for Your Trip.

5. Hospitalization or death of the host at Yourprincipal destination.

6. Cancellation of a planned business meeting due todeath or hospitalization of the person with whomthe Insured Person is to meet, or cancellation of aconference (for which the Insured Person haspaid registration fees) due to circumstancesbeyond the control of the Insured Person or theiremployer. Benefits are only payable to InsuredPerson(s) who are attending the meeting. Proof ofregistration will be required in the event of aclaim.

7. You or Your Travel Companion are selected forjury duty or subpoenaed to appear as witness incourt whereby the date of the hearing conflictswith the Trip.

8. A call to service of the Insured Person(s) by theCanadian Government with respect to reservists, military, police or fire personnel.

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9. A disaster renders Your or Your TravelCompanion’s principal residence uninhabitableor Your or Your Travel Companion’s place ofbusiness unusable.

10. Weather conditions delay Your connectingscheduled carrier for 30% or more of the totalduration of the Trip and You elect not to continuewith the Trip.

11. Hijacking of Your Common Carrier while en routeto Your scheduled destination point.

12. A Travel Advisory against non-essential travel isissued by the Canadian Government at Yourticketed destination after You depart on Your Trip.

If for one of the reasons listed above You mustinterrupt an insured Trip already commenced or if Youmust delay Your return beyond the scheduled returndate, Your expenses will be reimbursed up to anaggregate of $2,000 per Insured Person for:

• the extra cost to change Your return Ticket to aone-way economy fare, via the most cost-effective route, by regular scheduledtransportation back to Your departure point; or

• if Your existing Ticket cannot be changed, thecost of a one-way economy fare by regularscheduled transportation to Your departurepoint; and

• the non-refundable portion of any unusedprepaid travel arrangements if Your insuredTrip is interrupted; and

• if Your Travel Companion’s Trip is interruptedfor any of the reasons stated under the TripInterruption/Trip Delay benefits, You will bereimbursed for the cost incurred to adjust Yourprepaid accommodations to a singlesupplement.

• if for one of the reasons listed above You mustdelay an insured Trip, We will also pay thenecessary and reasonable costs of commercialaccommodation and meals up to $150 a day,per Insured Person on the Trip, when the returnportion of an insured Trip is delayed beyondthe date scheduled.

Expenses will be reimbursed when You provide, atOur request, any of the following when applicable:

• a statement completed by the attendingPhysician in attendance where the Sickness orInjury occurred, stating the diagnosis and thecomplete reason for the necessity of Your Tripdelay (if applicable);

• documentary evidence of the emergencysituation which caused the delay;

• any Tickets or receipts for any extratransportation costs incurred.

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Please note: You are not covered for circumstances which You wereaware of at time of purchasing Your Trip.


4.3.3 FLIGHT DELAY BENEFITS




Coverage BenefitsFlight Delay Benefits are payable in the event of adelay of more than six (6) hours in the arrival ordeparture of Your regularly scheduled airline flight.You will be reimbursed up to a maximum of $500 perAccount per Trip, for reasonable, additionalaccommodation and travelling expenses. Expensesmust be incurred by You as a result of the delay. Youwill be required to submit original, itemized receiptsfor any expense that You incur in this regard. Prepaidexpenses are not covered.


4.3.4 TRIP CANCELLATION, TRIPINTERRUPTION/TRIP DELAYAND FLIGHT DELAY BENEFITSLIMITATIONS AND EXCLUSIONS

You are not covered for circumstances which You wereaware of at time of purchasing Your Trip.

Should You have to cancel a Trip before Yourscheduled Departure Date, You must cancel Your Tripwith the travel provider and notify the OperationsCentre within forty-eight (48) hours of the event thatcaused You to cancel Your Trip.

The insurance does not cover, provide services for orpay claims resulting from:

1. Pre-existing conditions applicable to InsuredPersons up to and including age 64:

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This insurance will not pay for expenses incurredduring the Coverage Period related to: • the continuing Treatment, Recurrence, ormedically recognized complication relatingdirectly or indirectly to a Medical Condition,for which You consulted, investigated, werediagnosed or for which Treatment was taken byYou during the six (6) month periodimmediately before Your Coverage Periodbegan;

• the Treatment of, or relating to, a MedicalCondition for which a person exhibited anysymptom during the six (6) month periodimmediately before Your Coverage Periodbegan for which a reasonable person wouldhave made inquiries regarding their MedicalCondition, regardless of whether or not suchinquiries were made.

Please note: This exclusion does not apply to aMedical Condition controlled by the consistentuse of medication(s) taken as prescribed by aPhysician provided that during the six (6) monthperiod before Your Coverage Period began andthere has been no change in any medication(s)and no other Treatment has been taken orrecommended. A new medication or an alterationin usage or dosage of a medication constitutes achange in medication. This exclusion does notapply to the Flight Delay Benefit.

Pre-existing conditions applicable to InsuredPersons age 65 up to and including age 74

This insurance will not pay for expenses incurredduring the Coverage Period related to: • the continuing Treatment, Recurrence, ormedically recognized complication relatingdirectly or indirectly to a Medical Condition,for which You consulted, investigated, werediagnosed or for which Treatment was taken byYou during the twelve (12) month periodimmediately before Your Coverage Periodbegan;

• the Treatment of, or relating to, a MedicalCondition for which a person exhibited anysymptom during the twelve (12) month periodimmediately before Your Coverage Periodbegan for which a reasonable person wouldhave made inquiries regarding their MedicalCondition, regardless of whether or not suchinquiries were made.

Please note: This exclusion does not apply to aMedical Condition controlled by the consistentuse of medication(s) taken as prescribed by a

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Physician provided that during the twelve (12)month period before Your Coverage Period beganand there has been no change in any medication(s)and no other Treatment has been taken orrecommended. A new medication or an alterationin usage or dosage of a medication constitutes achange in medication. This exclusion does notapply to the Flight Delay Benefit.

2. Pregnancy, miscarriage, childbirth orcomplications of any of these conditionsoccurring within nine (9) weeks of the expecteddate of birth.

3. Riot or civil disorder; committing or attempting tocommit a criminal offence.

4. Intentional self-injury, suicide or attemptedsuicide while sane or insane.

5. Abuse of any medication or non-compliance withprescribed medical treatment or therapy.

6. Mental, nervous or emotional disorders that donot require immediate hospitalization.

7. Any Injury or accident occurring while theInsured Person is under the influence of illicitdrugs or alcohol (where the concentration ofalcohol in the Insured Person’s blood exceedseighty (80) milligrams of alcohol in onehundred (100) millilitres of blood or when theInsured Person illustrates a visible impairmentdue to alcohol or illicit drugs) and any chronicillness or hospitalization related to, orexacerbated by, the habitual use of alcohol orillicit drugs.

8. The Insured Person voluntarily and knowinglyexposing himself/herself to risk from: an act ofwar whether declared or undeclared; rebellion;revolution; hijacking or Terrorism; and anyservice in the armed forces.

9. Participation in professional sports; any speedcontest; SCUBA diving, unless the Insured Personholds a basic SCUBA designation from a certifiedschool or other licensing body; hang-gliding; skydiving; parachuting; bungee jumping; parasailing;spelunking; mountaineering; rock climbing or aflight accident, except as a passenger in acommercially licensed airline.

10. Any Trip commenced or continued against theadvice of the Insured Person’s Physician.

11. Failure of any travel supplier through which Youcontract for services if this supplier shall be, at thetime of booking, in bankruptcy, insolvency orreceivership; or in the case of U.S. Air Carriers,under Chapter 11 in the U.S. Bankruptcy Code. Noprotection is provided for failure of a travel agent,agency or broker.

12. Non-presentation of required travel documents,i.e., visa, passport, inoculation/vaccination reports.

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13. The death or serious and/or terminal illness of aperson when the purpose of the Trip is to providesupport and physical care for that person.

4.4 BAGGAGE AND PERSONALEFFECTS BENEFITS

4.4.1 COVERAGE PERIOD ANDBENEFITS




Coverage BenefitsThis Baggage and Personal Effects insurance coversthe Actual Cash Value of Baggage and Personal Effectsup to $750 per Insured Person up to a maximum of$2,000 per Account per Trip for :1. Loss or damage of Baggage and/or Personal

Effects worn or used by You when accompanyingYou during the Trip. Coverage is limited to $500per item.

2. Theft, burglary, fire or transportation hazards toBaggage and/or Personal Effects worn or used byYou during the Trip. Coverage is limited to $500per item.

3. Loss or damage to camera equipment during theTrip. Camera equipment is collectivelyconsidered one item. Coverage is limited to $500per item.

4. Loss or damage to jewelry during the Trip.Jewelry is collectively considered one item.Coverage is limited to $500 per item.

5. Up to $200 will be reimbursed for the purchase ofEssential Items as a result of Your checkedBaggage being delayed by the Common Carrier fortwelve (12) hours or more, during the Trip enroute to Your destination and before returning toYour original point of departure. Proof of delay ofchecked Baggage from the Common Carrier alongwith receipts of purchases must accompany Yourclaim. Purchases must be made within thirty-six(36) hours of Your arrival at Your destination. Thecosts of items purchased under this benefit will

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reduce the maximum amount payable under theBaggage and Personal Effects benefit, if it is laterdetermined that Your personal Baggage has beenlost, stolen or damaged.

Additional Conditions specific to Baggage andPersonal Effects Insurance1. In the event of loss of an article which is part of a

pair or set, the measure of loss shall be at areasonable and fair proportion of the total value ofthe pair or set, giving consideration to theimportance of such article and with theunderstanding that such loss shall not beconstrued to mean total loss of the pair or set.

2. We shall not be liable beyond the Actual CashValue of the property at the time any loss occurs.We reserve the right to repair or replace anydamaged or lost property with other of like qualityand value, and to require submission of propertyfor appraisal of damage

4.4.2 BAGGAGE AND PERSONALEFFECTS BENEFITS LIMITATIONSAND EXCLUSIONS

This insurance does not cover, provide services for orpay claims resulting from:1. Loss caused by normal wear and tear, gradual

deterioration, moths, or vermin.2. Animals; automobiles (including equipment and

contents), trailers, motorcycles, bicycles, boats,motors, other conveyances or their accessories;souvenirs; fragile or collectible items;consumable or perishable goods; householdeffects and furnishings; contact lenses,prescription glasses, non-prescription sunglasses;artificial teeth and prostheses, medicalequipment and appliances; money, securities;tickets, documents; any property pertaining to abusiness, profession or occupation; personalcomputers; software; or cellular phones.

3. Loss or damage to jewelry, gems, watches and fursor garments trimmed with fur and cameraequipment while in the custody of an airline orCommon Carrier.

4. Loss of covered and non-covered items sustaineddue to any process or while being worked upon;radiation; confiscation by any governmentauthority; war (declared or undeclared); orcontraband or illegal transportation or trade.

5. Loss incurred while You are performing anegligent act(s) or criminal act(s).

6. Items specifically or otherwise insured.

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4.5 OUT-OF-PROVINCE/OUT-OF-COUNTRY EMERGENCYMEDICAL BENEFITS

4.5.1 COVERAGE PERIOD AND BENEFITS

Coverage EligibilityYou do not need to charge Your Trip to YourMasterCard to be eligible for this coverage, providingYour MasterCard Account is in Good Standing.


Coverage PeriodYour thirty-one (31) day Coverage Period begins whenYou depart from Your province or territory ofresidence on Your Departure Date providing YourMasterCard Account is in Good Standing.

Your Coverage Period will terminate on the earliest ofthe following:1. The date You return to Your Canadian province or

territory of residence;2. The date Your MasterCard Account is cancelled;3. The date Your MasterCard Account is no longer in

Good Standing;4. Your next annual renewal date in the year You

attain age seventy-five (75); (for DependentChildren see the definition for age limits); or

5. At 00:01 a.m. on the 32nd day (including YourDeparture Date) after You leave on Your Trip.

Optional Extension of Coverage Your Coverage Period can be extended provided noevent has occurred that would give rise to a claimunder this insurance and provided You request anextension by phone prior to Your scheduled returndate. Your total Trip length including extensionscannot exceed the number of days for which You arecovered under Your GHIP (183 days or moredepending on Your province or territory of residence).

To arrange for an extension call the Operations Centre at1-877-704-0341 while in North America, or if elsewhere,call collect 1-519-741-0782. Premium payment must becharged to Your BMO MasterCard Account.

When making a claim hereunder, evidence of YourDeparture Date from, scheduled and actual returndates to, Your province or territory of residence will berequired.

Automatic Extension of Coverage When You are in Hospital due to a Medical Emergencyon Your scheduled return date, Your coverage will

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remain in force for as long as You are in Hospital plusa further period of three (3) days following Yourdischarge from Hospital.

The Coverage Period is also automatically extendedfor three (3) days when:

• The delay of a plane, bus, ship or train in whichYou are a passenger causes You to miss Yourscheduled return date; or

• The personal means of transportation in whichYou are travelling is involved in an accident ormechanical breakdown that prevents You fromreturning on or before Your scheduled returndate; or

• You must delay Your scheduled return due tothe Medical Emergency of another InsuredPerson.

This insurance covers the Reasonable and CustomaryCharges up to a maximum of $2,000,000 (unlessspecified otherwise below for a specific benefit)incurred by an Insured Person for the medicalTreatment and Covered Services listed below arisingfrom a Medical Emergency which occurs during theCoverage Period.

Following are eligible expenses covered by thisinsurance, subject to all limitations and exclusionsdescribed in this Certificate of Insurance. AnyTreatment or service not listed below is not covered.Neither We, nor the Operations Centre, nor BMO areresponsible for the availability, quality or results of anymedical Treatment or transportation, or the failure ofan Insured Person to obtain medical Treatment.

Coverage BenefitsThis Out-of-Province/Out-of-Country EmergencyMedical insurance covers Reasonable and CustomaryCharges for the following Covered Services arisingfrom a Medical Emergency of an Insured Personoccurring during the Coverage Period.

Emergency Hospital, Ambulance & Medical Expenses1. Hospital room and board charges, up to semi-

private or the equivalent. If Medically Necessary,expenses for Treatment in an intensive orcoronary care unit are covered;

2. Treatment by a Physician;3. X-rays and other diagnostic tests;4. Use of an operating room, anesthesia and surgical

dressings;5. The cost of licensed ambulance service;6. Emergency room charges;7. Prescription drugs and medication, limited to a

thirty (30) day supply;8. The cost for rental or purchase of minor medical

appliances such as wheelchairs and crutches.

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Private Duty Nursing ExpensesBenefits are payable to a maximum of $5,000 perInsured Person for the professional services of aregistered nurse (not related to You by blood ormarriage) while hospitalized, provided these servicesare Medically Necessary and prescribed by theattending Physician.

Emergency Air Transportation or EvacuationThe following are covered expenses provided they areapproved and arranged in advance by the OperationsCentre:1. Air ambulance to the nearest appropriate medical

facility or to a Canadian Hospital;2. Transport on a licensed airline for emergency

return to the Insured Person’s province orterritory of residence for immediate medicalattention; and

3. A medical attendant to accompany You on theflight back to Canada.

All air transportation expenses must be approvedand arranged in advance by the Operations Centre.

Other Professional ServicesWhere the professional services of a physiotherapist,chiropractor, osteopath, chiropodist or podiatrist areMedically Necessary, coverage will be provided to amaximum of $150 per Insured Person per discipline.

Emergency Dental Care ExpensesThis insurance covers the cost to repair or replacenatural teeth or permanently attached artificial teethrequired as the result of an Injury to the mouth, to amaximum of $2,000 per Insured Person. Chewingaccidents are not covered. To be eligible for coverage,dental Treatment must take place during Your Trip.

Treatment for the emergency relief of dental pain iscovered to a maximum of $150 per Insured Person.

Transportation to the BedsideThis insurance covers one round-trip economy airfareby the most direct and cost effective route fromCanada, plus lodging and meals up to a maximum of$250, for any one Immediate Family Member to:

a) Be with an Insured Person who is travellingalone and has been admitted to a Hospital as anInpatient. The Insured Person must beexpected to be an Inpatient for at least seven (7)days outside their home province or territoryand have verification from the attendingPhysician that the situation is serious enough torequire the visit; or

b) Identify a deceased Insured Person prior torelease of the body, where necessary.

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Return of DeceasedIn the event of the death of an Insured Person while ona Trip, this insurance covers up to $3,000 for thepreparation (including cremation) and transportationof the deceased’s remains to his/her province orterritory of residence. The cost of a burial coffin or urnis not covered.

Additional Hotel and Meal ExpensesIf Your return to Canada is delayed due to a MedicalEmergency, this insurance covers the cost for hoteland meal expenses incurred after Your planned returndate up to $200 a day to a maximum of ten (10) daysper Account. To receive reimbursement, originalreceipts must be submitted.

Return of VehicleIf neither You nor anyone travelling with You is able tooperate Your owned or rented vehicle due to Sickness,Injury or death while travelling outside Your provinceor territory of residence, You will be reimbursed up to amaximum of $1,000 for the costs associated with thereturn of the vehicle. Eligible for reimbursement is thecost of the return performed by a professional agency;or the following necessary and reasonable expensesincurred by an individual returning the vehicle by adirect route and in a reasonable time frame on behalf ofthe Insured Person: fuel, meals, overnightaccommodation and one-way economy airfare. Benefitswill only be payable when the return of the vehicle ispre-approved and/or arranged by the Operations Centreand the vehicle is returned to Your normal place ofresidence or the nearest appropriate rental agencywithin thirty (30) days of Your return to Canada.

To receive reimbursement, original itemizedreceipts must be submitted. Any other expenses arenot covered. Expenses incurred by anyone travellingwith the person returning the vehicle are not covered.

4.5.2 OUT-OF-PROVINCE/OUT-OF-COUNTRY EMERGENCYMEDICAL BENEFITSLIMITATIONS AND EXCLUSIONS

The insurance does not cover, provide services or payclaims resulting from:

1. Pre-existing conditions applicable to InsuredPersons up to and including age 64:

This insurance will not pay for expenses incurredduring the Coverage Period related to:• the continuing Treatment, Recurrence, ormedically recognized complication relatingdirectly or indirectly to a Medical Condition,

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for which You consulted, investigated, werediagnosed or for which Treatment was taken byYou during the six (6) month periodimmediately before Your Coverage Periodbegan;

• the Treatment of, or relating to, a MedicalCondition for which a person exhibited anysymptom during the six (6) month periodimmediately before Your Coverage Periodbegan for which a reasonable person wouldhave made inquiries regarding their MedicalCondition, regardless of whether or not suchinquiries were made.

Please note: This exclusion does not apply to aMedical Condition controlled by the consistentuse of medication(s) taken as prescribed by aPhysician provided that during the six (6) monthperiod before Your Coverage Period began therehas been no change in any medication(s) and noother Treatment has been taken or recommended.A new medication or an alteration in usage ordosage of a medication constitutes a change inmedication.

Pre-existing conditions applicable to InsuredPersons age 65 up to and including age 74

This insurance will not pay for expenses incurredduring the Coverage Period related to: • the continuing Treatment, Recurrence, ormedically recognized complication relatingdirectly or indirectly to a Medical Condition,for which You consulted, investigated, werediagnosed or for which Treatment was taken byYou during the twelve (12) month periodimmediately before Your Coverage Periodbegan;

• the Treatment of, or relating to, a MedicalCondition for which a person exhibited anysymptom during the twelve (12) month periodimmediately before Your Coverage Periodbegan for which a reasonable person wouldhave made inquiries regarding their MedicalCondition, regardless of whether or not suchinquiries were made.

Please note: This exclusion does not apply to aMedical Condition controlled by the consistentuse of medication(s) taken as prescribed by aPhysician provided that during the twelve (12)month period before Your Coverage Period beganand there has been no change in anymedication(s) and no other Treatment has beentaken or recommended. A new medication or analteration in usage or dosage of a medicationconstitutes a change in medication.

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2. The continued Treatment, Recurrence orcomplication of a Medical Condition followingemergency Treatment of that Medical Conditionduring Your Trip, if the medical advisors of theOperations Centre determine that the InsuredPerson is able to return to Canada and the InsuredPerson chooses not to return.

3. A Medical Condition for which You delayed orrefused further Treatment or investigation, whichwas recommended by Your Physician before YourDeparture Date.

4. Surgery, including but not limited to angioplastyand/or cardiac surgery, and any associateddiagnostic charges, which are not approved by theOperations Centre prior to being performedexcept in extreme circumstances where surgery isperformed on an emergency basis immediatelyfollowing admission to a Hospital.

5. The following procedures, including anyassociated charges, which are not authorized inadvance by the Operations Centre: MRI (MagneticResonance Imaging); CAT (Computer AxialTomography) scans; sonograms; ultrasounds; andbiopsies.

6. Emergency air transportation, which is notapproved in advance by the Operations Centre.

7. Treatment not performed by or under thesupervision of a Physician or dentist.

8. Pregnancy, routine pre-natal care, miscarriage,childbirth or complications of any of theseconditions occurring within nine (9) weeks of theexpected date of birth.

9. Riot or civil disorder; committing or attempting tocommit a criminal offence.

10. Intentional self-injury, suicide or attemptedsuicide while sane or insane.

11. Abuse of any medication or non-compliance withprescribed medical Treatment or therapy.

12. Mental, nervous or emotional disorders that donot require immediate hospitalization.

13. Any Injury or accident occurring while theInsured Person is under the influence of illicitdrugs or alcohol (where the concentration ofalcohol in the Insured Person’s blood exceedseighty (80) milligrams of alcohol in onehundred (100) millilitres of blood or when theInsured Person illustrates a visible impairmentdue to alcohol or illicit drugs) and any chronicillness or hospitalization related to, orexacerbated by, the habitual use of alcohol orillicit drugs.

14. The Insured Person voluntarily and knowinglyexposing himself/herself to risk from: an act ofwar whether declared or undeclared; rebellion;revolution; hijacking or Terrorism; and anyservice in the armed forces.

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15. Drugs and medication, which are commonlyavailable without a prescription or which are notlegally registered and approved in Canada.

16. Prescription refills.17. Replacement of lost or damaged eyeglasses,

contact lenses or hearing aids.18. Participation in professional sports; any speed

contest; full contact bodily sports; SCUBA diving,unless the Insured Person holds a basic SCUBAdesignation from a certified school or otherlicensing body; hang-gliding; skydiving;parachuting; bungee jumping; parasailing;spelunking; mountaineering; rock climbing; heli-skiing; skiing outside of marked trails; or air travelother than as a ticketed passenger.

19. Any Treatment or surgery, where the InsuredPerson can return to his/her province or territoryof residence for such Treatment withoutadversely affecting his/her Medical Condition.

20. Any Treatment or surgery during the Trip, whenthe Trip is undertaken for the purpose of securingor with the intent of receiving medical or Hospitalservices, whether or not such Trip is on the adviceof a Physician.

21. Any Trip commenced or continued against theadvice of the Insured Person’s Physician.

22. Regular care of a chronic Medical Condition;elective Treatment; cosmetic Treatment, or anyTreatment or surgery that is not required for reliefof acute pain or suffering.

23. Your travel to a country for which the Canadiangovernment has issued a Travel Advisory inwriting prior to Your Departure Date.

4.5.3 WHAT SHOULD YOU DO IN THEEVENT OF A MEDICAL EMERGENCY?

You must contact the Operations Centre in the event ofa Medical Emergency.

From Canada and the United States call:1-877-704-0341

From elsewhere call collect: 1-519-741-0782Fax: 1-519-742-8553

Or visitwww.allianzassistanceclaims.ca

to obtain a claim form.

Assistance coordinators are available twenty-four (24)hours a day, every day of the year. The OperationsCentre will assist in finding and arranging medicalcare; provide claims management and paymentassistance under this insurance; pay Hospitals andother medical providers directly whenever possible;

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and coordinate claims with Your GHIP wheneverpossible.

If the covered medical expense is relatively small, theHospital or Physician may ask You to pay. You will bereimbursed for covered expenses upon submission ofa claim.

In order to benefit from payment assistance and otherassistance services, You must notify the OperationsCentre when You need medical Treatment withintwenty-four (24) hours or as soon as reasonablypossible after being admitted to a Hospital. If You donot notify the Operations Centre at an early stage inYour claim, You may receive inappropriate orunnecessary medical Treatment, which may not becovered by this insurance.

Note: Failure to contact the Operations Centre couldresult in Your expenses not being covered, denial ora delay in the settlement of Your claim.

4.5.4 OUT-OF-PROVINCE/OUT-OF-COUNTRY EMERGENCYMEDICAL ASSISTANCE SERVICES

In addition to the medical insurance benefits, thefollowing Assistance Services are provided:

Medical Assistance and ConsultationYou will be directed to the nearest appropriate medicalfacility wherever possible.

Payment AssistanceSubject to the limitations of this insurance, theOperations Centre will offer to all Hospitals, whichprovide an Insured Person with Medically NecessaryTreatment, a guarantee of coverage for CoveredServices. If the guarantee is not accepted, theOperations Centre will assist in arranging andcoordinating payment wherever possible.

Note: If You do not contact the Operations Centre assoon as possible, and receive medical attention, Youmay be responsible for paying the bills andsubmitting a claim after You return to Your provinceor territory of residence.

Emergency Message CentreIn case of a Medical Emergency, the Operations Centrecan help to relay important messages to or from Yourfamily, business or Physician.

Please call the Operations Centre at 1-877-704-0341or 1-519-741-0782 if You have any questionsregarding what is not covered.

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4.6 COMMON CARRIER ACCIDENTALDEATH AND DISMEMBERMENTBENEFITS

Coverage EligibilityThis travel insurance plan is provided to BMOMasterCard cardholders automatically when theentire cost of the Passenger Fare(s) is charged to YourMasterCard Account while the insurance is effective.Passenger Fare(s) obtained through the redemption ofloyalty points earned under the MasterCard rewardprogram are also covered providing that all applicabletaxes and/or fees have been charged to the Primary orFamily Cardholder’s Account or paid through theredemption of loyalty points earned under theMasterCard reward program. It is not necessary forYou to notify the administrator or Us when tickets arepurchased.

Insured PersonAs a BMO MasterCard Cardholder, You, Your Spouseand Your Dependent Child(ren) will be automaticallyinsured against accidental loss of life, limb, sight,speech or hearing while riding as a passenger in,entering or exiting any licensed Common Carrier,provided the Passenger Fare is charged to YourMasterCard Account. If the Passenger Fare has beencharged to Your MasterCard Account prior todeparture for the airport, terminal or station, coverageis also provided for Common Carrier travel (includingtaxi, bus, train or airport limousine, but not includingcourtesy transportation provided without a specificcharge), immediately, a) preceding Your departure,directly to the airport, terminal or station b) while atthe airport, terminal or station, and c) immediatelyfollowing Your arrival at the airport, terminal orstation of Your destination. If the Passenger Fare hasnot been charged to Your Account prior to Your arrivalat the airport, terminal or station, coverage begins atthe time the entire cost of the travel Passenger Fare ischarged to Your MasterCard Account.

Coverage BenefitsThe full Benefit Amount is payable for accidental lossof life, two (2) or more members, sight of both eyes,speech and hearing or any combination thereof. Onehalf of the Benefit Amount is payable for accidentalloss of: one (1) member, sight of one (1) eye, speech orhearing. “Member” means hand or foot. One quarter ofthe Benefit Amount is payable for the accidental loss ofthe thumb and index finger of the same hand. The lossmust occur within one (1) year of the accident. We willpay the single largest applicable Benefit Amount. In no

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event will duplicate request forms or multiple chargecards obligate Us in excess of the stated BenefitAmounts for any one loss sustained by any oneindividual insured as the result of any one accident.

The limit of coverage for an Insured Person whosecoverage has become effective shall be:

CAD Dollar MasterCard – $500,000 CADAccidental Death Insurance

U.S. Dollar MasterCard – $100,000 CADAccidental Death Insurance

In the event of multiple accidental deaths per creditcard Account arising from any one accident, Ourliability for all such losses will be limited to amaximum limit of insurance equal to three times theapplicable Benefit Amount for loss of life. Benefits willbe proportionately divided among the Insured Personsup to the maximum limit of insurance.

BeneficiaryThe Loss of Life benefit will be paid to the beneficiarydesignated by the Insured Person. If no suchdesignation has been made, that benefit will be paid tothe first surviving beneficiary in the following order:

a) the Insured Person’s Spouse, b) the Insured Person’s children, c) the Insured Person’s parents, d) the Insured Person’s brothers and sisters, e) the Insured Person’s estate.

All other indemnities will be paid to the InsuredPerson.

If you wish to designate a specific beneficiary, pleasecontact 1-800-337-2632.

4.6.1 COMMON CARRIER ACCIDENTALDEATH AND DISMEMBERMENTLIMITATIONS AND EXCLUSIONS

This insurance does not cover loss resulting from:

1. an Insured Person’s emotional trauma, mental orphysical illness, disease, pregnancy, childbirth ormiscarriage, bacterial or viral infection (exceptbacterial infection caused by an accident or fromaccidental consumption of a substancecontaminated by bacteria), or bodily malfunctions;

2. suicide, attempted suicide or intentionally selfinflicted injuries; and

3. declared or undeclared war, but war does notinclude acts of Terrorism.

This insurance also does not apply to an accidentoccurring while an Insured Person is in, entering, orexiting any aircraft while acting or training as a pilot or

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crew member, but passengers who temporarilyperform pilot or crew functions in a life threateningemergency are covered.

The following applies only if you reside outside ofQuebec:This description of coverage is not a contract ofinsurance but is simply an informative statement ofthe principal provisions of the insurance while ineffect. Complete provisions pertaining to thisinsurance are contained in the Policy on file withBMO. If a statement in this description of coverage andany provision in the Policy differ, the Policy willgovern. Any terms of the Policy which are in conflictwith the applicable statutes, laws or regulations of theprovince or territory in which the Policy is issued areamended to conform with such statutes.

5 CONDITIONS1. In consultation with the Insured Person’s

attending Physician, We reserve the right totransfer the Insured Person to another Hospital orto return the Insured Person to his/her province orterritory of residence. Refusal to comply by theInsured Person will release Us of any liability forexpenses incurred after the proposed transferdate.

2. Due Diligence: The Primary Cardholder and anyInsured Person shall use diligence and do allthings reasonable to avoid or diminish any loss ofor damage to property protected by this insurance.

3. False Claim: If a Primary Cardholder or InsuredPerson makes any claim knowing it to be false orfraudulent in any respect, coverage under thisCertificate of Insurance shall cease and there shallbe no payment of any claim made under thisCertificate of Insurance or the Policy.

4. Subrogation: In the event of a payment under thisCertificate of Insurance, We have the right toproceed in the name of any Insured Person againstthird parties who may be responsible for givingrise to a claim under this insurance. We have fullrights of subrogation. The Insured Person willexecute and deliver such documents, and fullycooperate with Us, so as to allow Us to fully assertOur right to subrogation. The Insured Person willnot do anything after the loss to prejudice suchrights.

5. You must repay to Us amounts paid or authorizedfor payment on Your behalf if We later determinethe amount is not payable under this insurance.

6. Cooperation: You agree to cooperate fully withUs, and as a condition precedent to the payment ofbenefits, the Operations Centre reserves the rightto obtain all pertinent records or information from

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any Physician, dentist, practitioner, Hospital,clinic, insurer, individual or institution to assessthe validity of a claim submitted by or on behalf ofany Insured Person. Failure to provide therequested documentation to substantiate Yourclaim under this Certificate of Insurance willinvalidate Your claim.

7. Physical Examination: The Operations Centrehas the right to investigate the circumstances ofloss and to require a medical examination; and inthe event of death to require an autopsy at the costof the Insurer, if not prohibited by law.

6 GENERAL PROVISIONS1. The Out-of-Province/Out-of-Country Emergency

Medical Insurance provided herein is supplementalin that it pays for covered expenses in excess of YourGHIP and any other insurance plan. Benefitspayable under any other insurance plan underwhich You may have coverage will be coordinatedin accordance with the current guidelines issued bythe Canadian Life & Health Insurance Association.Payment under the insurance and any other planshall not exceed 100% of the eligible chargesincurred. This insurance also allows Us/theOperations Centre to receive in Your name, andendorse and negotiate on Your behalf, these eligiblepayments. When GHIP and other insurancepayments have been made, this releases GHIP andthe other insurers from any further liability inrespect of that eligible claim.

2. Currency: All amounts stated in the Certificate ofInsurance are in Canadian currency unlessotherwise indicated. If You have paid a coveredexpense, You will be reimbursed in Canadiancurrency at the prevailing rate of exchange on thedate the service was provided.

3. Payment of Benefits: Benefits payable under thisCertificate of Insurance will be paid withinsixty (60) days of receipt of satisfactory proof ofloss. Payment made in good faith will dischargeUs to the extent of this claim.

4. Legal Action: Every action or proceeding againstan insurer for the recovery of insurance moneypayable under the contract is absolutely barredunless commenced within the time set out in theInsurance Act (for actions or proceedingsgoverned by the laws of Alberta and BritishColumbia), The Insurance Act (for actions orproceedings governed by the laws of Manitoba),the Limitations Act, 2002 (for actions orproceedings governed by the laws of Ontario), orother applicable legislation. For those actions orproceedings governed by the laws of Quebec, the

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prescriptive period is set out in the Quebec CivilCode. In addition You, Your heirs and assignsconsent to the venue of any action or arbitrationbeing only in the province or territory where theCertificate of Insurance was issued and at a venueWe and/or Allianz Global Assistance choose.

5. Waiver: Notwithstanding anything to thecontrary, no provision of this Certificate ofInsurance shall be deemed to have been waived,either in whole or in part, unless the waiver isclearly stated in writing and signed by Us.

6. Governing Law: The benefits, terms andconditions of this Certificate of Insurance shall begoverned by the insurance laws of the province orterritory in Canada where the Insured Personnormally resides.

7. Conflict with Laws: Any provision of thisCertificate of Insurance, which is in conflict withany federal, provincial or territorial law of theInsured Person’s place of residence, is herebyamended to conform to the minimumrequirements of that law.

8. Salvage: The insurer has the right to requestsalvage in respect of any loss in respect of which aclaim is made under coverage provided by theinsurer hereunder. If salvage is requested, it mustbe remitted to the insurer at the Insured Person’sexpense. Failure to remit requested salvage mayresult in denial of the claim.

7 NOTICE OF CLAIM AND FILINGA CLAIM

7.1 NOTICE OF CLAIMYou, or someone acting on Your behalf, must givewritten notice of a claim to the Operations Centre notlater than thirty (30) days from the date the claimarises. The Operations Centre must be provided byYou or someone acting on Your behalf with satisfactoryproof of loss no later than ninety (90) days from thedate the claim arises.Satisfactory proof of loss means proof satisfactory toUs of:

• the Departure Date; • the occurrence of the Injury or thecommencement of the Sickness;

• the cause or nature of the Injury or Sickness;• the loss, expense or service for which benefitsare being claimed (original itemized receipts);

• the Primary Cardholder’s age;• the claimant’s age; and• the right of the claimant to receive payment;

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Satisfactory proof of loss specific to Car RentalBenefits:

• the occurrence of the Accidental Bodily Injury,the theft of or damage to the Rental Car, or thedeath of You or Your Immediate FamilyMember;

• the cause or nature of the event resulting in theAccidental Bodily Injury, the theft of or damageto the Rental Car, or the death of You or YourImmediate Family Member;

• the loss, expense or service for which benefitsare being claimed (original itemized receipts);

• the right of the claimant to receive payment.

Failure to give notice of claim or furnish proof of losswithin the time prescribed does not invalidate the claimif it is shown that it was not reasonably possible to givenotice or furnish proof within the time so prescribedand if the notice or proof is given or furnished as soon asreasonably possible, and in no event later than one (1)year from the date of the event for which benefits arebeing claimed. Failure to provide the requesteddocumentation to substantiate Your claim under thisCertificate of Insurance will invalidate Your claim.

7.2 FILING A CLAIMPlease contact Us at 1-877-704-0341 or 1-519-741-0782or visit www.allianzassistanceclaims.ca to obtain aclaim form.

This insurance will not pay for any interest.

As a condition to the payment of benefits under thisinsurance, We will need certain information from You ifYou need to file a claim. This documentation will include,at a minimum and is not limited to, the following:

1. General Documentation• Receipts and itemized bills for all expenses.• Originals of any refunds or expense allowancesreceived from Your tour operator, travel agency,Common Carrier or other entity.

2. Collision Damage Waiver (CDW) Benefits• A copy of the original police report when theresulting loss from damage or theft was over$500.

• The original front and back pages of the openedand closed-out original Rental Car Agreement.

• An itemized statement of repairs for the rentalvehicle (unless Our representative has seen the car).

3. Car Rental Accidental Death &Dismemberment Benefits• Certified death certificate.

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• Medical records pertaining to the accident.• Police report or any other accident reportsfiled.

4. Car Rental Personal Effects Benefits• Original police report or other report to localauthorities.

• An itemization and description of the stolen ordamaged items and their estimated value.

• A copy of the receipts, credit card statements,or cancelled cheques for the personal propertystolen or damaged.

• Estimate of repairs, if applicable.• Photo of the damaged item, if applicable.• Declaration page from any other applicableinsurance or a notarized statement that anInsured Person has no other insurance.

• Original Rental Car Agreement.• A copy of an Insured Person’s monthly billingstatement reflecting the charge for the RentalCar.

5. Trip Cancellation, Trip Interruption/Trip DelayBenefits• Any appropriate documentation that officiallyexplains the cause of Your Trip cancellation,delay or interruption.

• The report of Your physical examination (ifapplicable), and any explanation of diagnosisalong with original itemized bills, receipts, andproof of other insurance payments.

• Certified death certificate in the event of a death.• Original unused Tickets, copies of invoices,proof of payments, and other documents thatsubstantiate the cost or occurrence of the Tripcancellation, delay or interruption.

• Documentation of refunds received from thetravel supplier(s) and/or Common Carrier(s).

• Copy of the supplier’s literature that describespenalties.

• A letter of the tour operator or an itemized billfrom the travel agent stating the non-refundable amounts of the Trip costs.

6. Flight Delay Benefits• Original police, Common Carrier or otherreport that verifies the cause and duration ofthe delay.

• Original, itemized receipts.

7. Baggage and Personal Effects Benefits• Original claim determination from theCommon Carrier, if applicable.

• Original police report or other report of localauthorities.

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• Original receipts and list of stolen, lost ordamaged items.

• Statement of loss providing amount of loss,date, time and cause of loss.

8. Out-of-Province/Out-of-Country EmergencyMedical Benefits• Any explanation of diagnosis(es) along withYour original itemized bills and receipts.

• The claimant’s enrollment in his/herprovincial or territorial GHIP, and valid healthcard number.

• The provision of an authorization to securemedical records.

• The provision of any forms or authorizationsrequired to pursue reimbursement from YourGHIP, any other insurance and/or any thirdparties.

• Your Departure Date and Your scheduled andactual dates of return.

9. Common Carrier Accidental Death andDismemberment Benefits• A copy of the invoice showing Your MasterCardAccount and/or loyalty points earned under theMasterCard reward program as the method ofpayment.

• Certified death certificate.• Medical records pertaining to the accident.• Police report or any other accident reportsfiled.

8 PROTECTING YOUR PERSONALINFORMATION

Travel Insurance Personal Information NoticeAllianz Global Risks US Insurance Company,Canadian Branch (the “insurer”) and the insurer’stravel insurance administrator, Allianz GlobalAssistance, and the insurer’s agents, representativesand reinsurers (for the purpose of this TravelInsurance Personal Information Notice collectively“we” “us” and “our”) require personal informationincluding:

• details about you including your name, date ofbirth, address, telephone numbers, e-mailaddress, employer, and other identification

• medical records and information about you• records that reflect your business dealings withand through us.

This personal information is collected for thefollowing insurance purposes when offering andproviding insurance and related services:

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• To identify and communicate with individuals• To consider any application for insurance • If approved, to issue a Certificate of insurance• To administer insurance and related benefits• To investigate claims and to determineeligibility for insurance benefits

• To provide assistance services • For fraud prevention and debt collectionpurposes

• To evaluate insurance risk, manage andcoordinate claims, re-price medical expensesand negotiate payment of claims expenses

• As required or permitted by law.

We only collect personal information necessary forinsurance purposes from individuals who apply forinsurance, Certificate or Policy holders, insureds,claimants. In some cases we also collect personalinformation from members of a Certificate or Policyholder’s, insured’s or claimant’s family or their friendswhen they are unable, for medical or other reasons, tocommunicate directly with us. We also collect anddisclose information for the insurance purposes from,to and with, third parties such as, but not necessarilylimited to, health care practitioners and facilities inCanada and abroad, government and private healthinsurers and family members and friends of theinsured, Certificate or Policy holder or claimant. Wemay also use and disclose information from ourexisting files for the insurance purposes.

Our employees who require this information for thepurposes of their duties will have access to this file.

Upon your request and authorization, we may alsodisclose this information to other persons.

From time to time, and if permitted by applicable law,we may also collect, use or disclose personalinformation in order to offer additional or upgradedproducts and services (the “optional purposes”).

When an individual applies for, purchases, or iscovered by one of our insurance policies or submits aclaim for insurance benefits, he or she is presumed toconsent to the personal information practicesdescribed in this notice. If an individual does not wishto have their personal information used for theoptional purposes they need only notify Allianz GlobalAssistance. A person may decline to have theirinformation collected, used or disclosed for theinsurance purposes but in that instance we will likelybe unable to provide insurance and related services.

Personal information is maintained in the Certificateor Policy holder’s, insured’s or claimant’s file that weestablish and maintain in the offices of Allianz GlobalAssistance. In some instances we may additionallymaintain or communicate or transfer information to

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health care and other service providers locatedoutside of Canada. As a result, personal informationmay be accessible to regulatory authorities inaccordance with the law of these other jurisdictions.

For information about how to obtain access to written information about our policies andprocedures with respect to service providers outsideof Canada, please contact the Privacy Officer [email protected].

We will retail the personal information we collect for aspecified period of time and in a storage methodappropriate with legal and our internal corporaterequirements. Personal information will be securelydestroyed following the expiration of the appropriateretention period.

Individuals have a right to request to access or correctpersonal information we have on file by contacting thePrivacy Officer at [email protected] or bywriting to:

Privacy OfficerAllianz Global Assistance4273 King Street EastKitchener, ON N2P 2E9

For a complete copy of our Travel Insurance PrivacyPolicy, please visit www.allianz-assistance.ca

5144408 (06/16)

® Registered trademark of Bank of Montreal.®* Registered trademarks of MasterCard International Incorporated.

BEFORE YOU TRAVEL

It is important that You understand what isand isn’t covered under your coverage

Read Your Certificate of Insurance carefullyfor complete coverage details

We’re available 24/7 to answer yourquestions. Call 1-877-704-0341 or collect 1-519-741-0782.