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Rbc non medical - jul 12

NON-MEDICAL PACKAGE
For Emergency Assistance:
Please contact Assured Assistance Inc. immediately at one of these numbers:
1-800-387-2487 (toll-free call from USA or Canada)
001-800-514-1890 (toll-free call from Mexico)
905-816-2561 (collect call from anywhere)
1-888-298-6340 (toll-free fax from the USA or Canada)
905-813-4719 (fax)
Claims Assistance
If you need a Claim & Authorization form, to submit a new claim, or you wantstatus on an existing claim, please contact our Claims Department at: P.O. Box 97Station A, Mississauga, Ontario, L5A 2Y9 Outside of Quebec 905-816-2572 or 1-800-263-8944Residents of Quebec 514 748-2244 or 1-800-263-8944 Or you can visit our website at http://www.rbcinsurance.com/travel/
travel-insurance-claims.html
, to obtain a Cancellation & Interruption
claim form.
NON-MEDICAL PACKAGE - SINGLE TRIP
What’s inside:
Summary of Insurance Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Definitions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
General Insurance Details . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Who is eligible for coverage? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
How do you become insured? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
When does your insurance start and end? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
When does your coverage automatically extend? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
What if you decide to extend your trip? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
What if you want to top-up another insurer’s travel insurance? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5When can your premium be refunded? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Terrorism Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Cancellation & Interruption Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Flight and Travel Accident Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10Baggage & Personal Effects Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11General Conditions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
How do you submit a claim? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
What Assistance Services are available? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13Emergency Assistance Services: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Concierge Services: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
IMPORTANT NOTICE - PLEASE READ CAREFULLY
Travel insurance is designed to cover losses arising from sudden and unforeseeable circumstances. It is important that you read and understand
your policy before you travel as your coverage may be subject to certain limitations or exclusions.
A pre-existing exclusion applies to medical conditions and/or symptoms that existed prior to your trip. Check to see how this applies in your
policy and how it relates to your departure date, date of purchase, or effective date.
In the event of an accident, injury or sickness, your prior medical history may be reviewed when a claim is reported.
PLEASE READ YOUR POLICY CAREFULLY BEFORE YOU TRAVEL
Summary of Insurance Coverage
Cancellation & Interruption Insurance
Maximum Sums
Available
Trip Cancellation - Before Departure Trip Interruption - After Departure Trip Interruption- Unused Portion of Pre-paid Travel Arrangements Baggage & Personal Effects Insurance
Loss of, or Damage to, Baggage & Personal Effects Flight Accident Insurance
Death, Double Dismemberment, Loss of Sight of both eyes, or complete and Travel Accident Insurance
Death, Double Dismemberment, Loss of Sight of both eyes, or complete and The maximum for any one item or set of items is $500. The maximum sum insured per person or per family does not exceed $2,000 in total for all coverages issued by us.
This insurance is available while en route and before returning to your departure point.
You are entitled to a maximum of the largest amount specified for one of these benefits.
Definitions
The following are our definitions and apply when written in italics throughout this document.
Accidental bodily injury - bodily injury caused by an accident of external origin occurring during the period of insurance and being the direct and
independent cause of the loss.
Business meeting - a meeting, trade show, training course, or convention scheduled before your effective date between companies with unrelated
ownership, pertaining to your full-time occupation or profession and that is the sole purpose of your trip. Legal proceedings are not considered to
be a business meeting.
Caregiver - the permanent, full-time person entrusted with the well-being of your dependant(s) and whose absence cannot reasonably be replaced.
Catastrophic event - total eligible Cancellation & Interruption Insurance claims arising directly or indirectly from an act of terrorism, or series of
acts of terrorism, occurring within a 72-hour period that exceed $1,000,000.
Change in medication - the addition of any new prescription drug, the withdrawal of any prescription drug, an increase in the dose of any
prescription drug or a decrease in the dose of a prescription drug.
Exceptions:
an adjustment in the dosage of insulin or Coumadin (Warfarin), if you are currently taking these drugs;
a change from a brand name drug to an equivalent generic drug of the same dosage.
Children - unmarried persons:
under 21 years of age; or
under 26 years of age if full-time students; or
mentally or physically handicapped and over 20 years of age; and
who are your natural, adopted or step-children and are dependent on you for support.
Commercial rental agency - a car rental agency licensed under the law of its jurisdiction.
Contamination - the poisoning of people by nuclear, chemical and/or biological substances which causes illness and/or death.
Departure point - the place you depart from on the first day of your intended travel period, as shown on your trip itinerary insured by us or on your
insurance application/confirmation of coverage
.
Dismemberment - actual severance through or above your wrist or ankle joint.
Effective date -
a) for Travel Accident coverage and Baggage & Personal Effects coverage:
the date on which you are scheduled to leave your departure point.
Under all coverages, your effective date is shown on your insurance application/confirmation of coverage.
b) for Cancellation & Interruption coverage:
the date and time the required premium is paid, as shown on your insurance application/confirmation of coverage.
c) for Flight Accident coverage:
the date and time shown on your transportation ticket.
d) for Top-up coverage:
12:01 a.m. on the day following the date of expiry of your prior coverage; or
if you purchase top-up coverage for the beginning portion of your intended travel period, your effective date is set out in points a) through c)
above, based on the coverage you purchase as top-up.
Emergency - any sudden and unforeseen event that begins during the period of insurance and makes it necessary to receive immediate treatment
from a licensed physician or to be hospitalized. An emergency ends when the medical advisors of Assured Assistance Inc. or RBC Insurance
Company of Canada determine that you are medically able to return to your home country.
Emergency treatment - medical treatment or surgery for an emergency, that is required for the immediate relief of an acute symptom, or upon the
advice of a licensed physician cannot be delayed until you return to your home country, and has to be received during your trip because your
medical condition
prevents you from returning to your home country. The treatment or surgery must be:
a) ordered by or received from a licensed physician during your trip; or
RBC Insurance Non-Medical Single Trip V_10_June2012 b) received in a hospital during your trip; orc) received from a licensed physiotherapist, chiropractor, chiropodist, podiatrist or osteopath, as a result of an emergency that occurs during your Expiry date - the date on which your coverage ends under this insurance, as shown on your insurance application/confirmation of coverage.
Family - you, your spouse and children who share living quarters.
Hospital - an establishment that is licensed as an accredited hospital, is operated for the care and treatment of in-patients, has a Registered Nurse
always on duty, and has a laboratory and an operating room on the premises or in facilities controlled by the establishment. Hospital does not
mean any establishment used mainly as a clinic, extended or palliative care facility, rehabilitation facility, addiction treatment centre, convalescent,
rest or nursing home, home for the aged or health spa.
Immediate family - spouse, parent, legal guardian, legal ward, step-parent, grandparent, grandchild, in-law, natural or adopted child, step-child,
brother, sister, step-brother, step-sister, aunt, uncle, niece, nephew.
Infant - a person who was born before your effective date, is under 2 years of age, is your immediate family member and travels with you during
your trip.
Insurance application/confirmation of coverage - the printed form, computer printout, invoice or document provided by your Travel Agent or
through your online application, which confirms the insurance coverage you have purchased. The insurance application/confirmation of coverage
forms part of the insurance contract.
Key employee - an employee whose continued presence is critical to the ongoing affairs of the business during your absence.
Loss of sight - entire and permanent loss of eyesight.
Medical condition - accidental bodily injury or sickness (or a condition related to that accidental bodily injury or sickness), including disease, acute
psychoses and complications of pregnancy occurring within the first 31 weeks of pregnancy.
Medical questionnaire - the form that contains questions that must be answered correctly at the time of insurance application/confirmation of
coverage
, and that, once completed and signed, forms part of the insurance contract. Your medical condition at the time of completion of the
medical questionnaire determines the terms of coverage and/or the premium that apply to you. You must complete the medical questionnaire for
Cancellation & Interruption coverage, if the non-refundable portion of your prepaid travel arrangements exceeds $15,000.
Mental or emotional disorders - emotional or anxiety states, situational crisis, anxiety or panic attacks, or other mental health disorders treated
with minor tranquilizers or anti anxiety (anxiolytics) medication.
Mountain climbing - the ascent or descent of a mountain requiring the use of specialized equipment, including crampons, pick-axes, anchors,
bolts, carabiners and lead-rope or top-rope anchoring equipment.
Network - the hospitals, physicians and other medical service providers recognized by us at the time of the emergency.
Passenger plane - a certified multi-engined transportation aircraft provided by a regularly scheduled airline on any regularly scheduled trip
operated between licensed airports and holding a valid Canadian Air Transport Board or Charter Air Carrier licence, or its foreign equivalent, and
operated by a certified pilot.
Period of insurance - the period of time between your effective date and your return date.
Physician - someone who is not you or a member of your immediate family who is licensed to prescribe drugs and administer medical treatment
(within the scope of such licence) at the location where the treatment is provided. A physician does not include a naturopath, herbalist,
chiropractor or homeopath.
Prescription drug - drug or medicine that can only be issued upon the prescription of a licensed physician or dentist and is dispensed by a licensed
pharmacist. Prescription drug does not mean such drug or medicine, when you need (or renew) them to continue to stabilize a condition which you
had before your trip, or a chronic condition.
Professional - engaged in a specified activity as your main paid occupation.
Return date -
a) for all coverages other than Flight Accident:
the date on which you are scheduled to return to your departure point.
This date is shown on your insurance application/confirmation of coverage under all coverages.
the return date and time shown on your transportation ticket.
If you purchase top-up coverage for the beginning portion of your intended travel period, your return date is 11:59 p.m. on the day before the
effective date of your subsequent coverage.
Schedule change - the later departure of an airline carrier causing you to miss your next connecting flight via another airline carrier (or connecting
cruise ship, ferry, bus or train), or the earlier departure of an airline carrier rendering unusable the ticket you have purchased for your prior
connector flight via another airline carrier (or connecting cruise ship, ferry, bus or train). Schedule change does not mean a change resulting from a
supplier default, strike or a labour disruption.
Spouse - the person who is legally married to you, or has been living in a conjugal relationship with you for a continuous period of at least one year
and who resides in the same household as you.
Stable - any medical condition or related condition including any heart condition or any lung condition, (whether or not the diagnosis has been
determined) for which there have been:
no new treatment, new medical management, or new prescribed medication; and
no change in treatment, change in medical management, or change in medication; and
no new symptom or finding, more frequent symptom or finding, or more severe symptom or finding experienced; and
no new test results or test results showing a deterioration; and
no investigations or future investigations initiated, or recommended for your symptoms; and
no hospitalization or referral to a specialist (made or recommended).
Terrorism or act of terrorism - an act, including but not limited to the use of force or violence and/or the threat thereof, including hijacking or
kidnapping, of an individual or group in order to intimidate or terrorize any government, group, association or the general public, for religious,
political or ideological reasons or ends, and does not include any act of war (whether declared or not), act of foreign enemies or rebellion.
Top-up - the coverage you purchase from us:
a) to add to your insurance beyond the duration covered under your Multi-Trip annual coverage; or
b) before your date of departure from your departure point, to complement travel insurance coverage that is in effect through another insurer for a
portion of your trip duration or value.
Travelling companion - the person who is sharing travel arrangements with you, to a maximum of three persons.
RBC Insurance Non-Medical Single Trip V_10_June2012 Trip - the period of time between leaving your departure point up to and including your return date.
Vehicle - a private passenger automobile, motorcycle, minivan, mobile home, camper truck or trailer home, which you use during your trip
exclusively for the transportation of passengers other than for hire. It can be either owned by you or leased by you from a commercial rental agency.
We, us and our refer to RBC Insurance Company of Canada.
You, yourself and your refer to the person named as the insured on the insurance application/confirmation of coverage when the required
insurance premium has been paid before the effective date.
General Insurance Details
Your insurance coverage is subject to the terms set out in this document.
Who is eligible for coverage?
To be eligible for insurance coverage you must:
purchase coverage for a maximum of 365 days;
purchase coverage through a Canadian representative appointed by RBC Insurance Company of Canada;
purchase coverage for the full duration of your trip;
purchase coverage for the full value of the non-refundable portion of your prepaid travel arrangements;
have correctly completed the medical questionnaire if the non-refundable portion exceeds $15,000.
How do you become insured?
You become insured and this policy becomes an insurance contract:
when you are named on your completed insurance application/confirmation of coverage;
upon payment of the required premium on or before your effective date; and
upon completion of the medical questionnaire, where applicable.
When does your insurance start and end?
Insurance starts on your effective date.
a) the date of the cause of cancellation if your trip is cancelled before your date of departure from your departure point;b) the date you return to your province, territory or country of residence;c) midnight of your return date;d) midnight of your expiry date;e) 365 days after your date of departure from your departure point; When does your coverage automatically extend?
1
If you cannot complete your trip by your return date because of the delay of a common carrier in which you are scheduled to travel, yourcoverage will automatically extend for the delay period to a maximum of 72 hours.
If you or your travelling companion are hospitalized on your return date or expiry date, your coverage will automatically extend for the period ofhospitalization and up to an additional 5 days after discharge (not available for Cancellation & Interruption).
If you or your travelling companion are delayed beyond your return date because of a medical condition and are medically unable to travel, butare not hospitalized, your coverage will automatically extend for the delay period to a maximum of 5 days after your return date (not availablefor Cancellation & Interruption).
Regardless of the automatic extensions above, coverage will not continue beyond 365 days from your latest date of departure from yourdeparture point.
What if you decide to extend your trip?
If you decide to extend your trip, any extension of your coverage is subject to the following conditions:
1
a) If you have not had a medical condition under your existing coverage under any of our insurances, you must request the extension by contacting your Travel Agent before your return date.
b) If you have had a medical condition under your existing coverage under any of our insurances, you must request the extension by contacting Assured Assistance Inc. before your return date, and the extension is subject to the approval of Assured Assistance Inc.
You must pay the required additional premium before your original return date.
If the insurance for which you require the extension is not available for the duration that includes the total number of days of your trip and anyoptional extension(s), your coverage cannot be extended. Instead, you may be able to purchase a new policy under the coverage:a) for which you are eligible; andb) that is available for the duration that includes the period beginning with your effective date and ending at your new return date.
The terms, conditions and exclusions of the extension policy apply to you during the extension period.
What if you want to top-up another insurer’s travel insurance?
If you are covered under another insurer’s travel insurance, you may purchase top-up coverage from your Travel Agent only before your date of
departure from your departure point, and:
a) You must pay the required top-up premium before your date of departure from your departure point.
b) The terms, conditions and exclusions of our policy issued as top-up apply to you.
c) You cannot purchase an annual coverage to top-up a single trip (if you have travel insurance included with your credit card coverage, you can
purchase an annual coverage as top-up).
When can your premium be refunded?
1
All requests for premium refunds must be submitted to the Travel Agent from whom you purchased the insurance.
The premium you paid can be refunded only if your trip is cancelled before you depart on your trip and:
the supplier (tour operator, airline, etc.) cancels your trip and all penalties are waived; or
the supplier (tour operator, airline, etc.) changes the travel dates and you are unable to travel on these dates and all penalties are waived; or
you cancel your trip before any cancellation penalties are in effect.
RBC Insurance Non-Medical Single Trip V_10_June2012 Terrorism Coverage
Where an act of terrorism directly or indirectly causes a loss that would otherwise be payable under one of the covered risks in accordance with theterms and conditions of the policy, this insurance will provide coverage as follows:a) Terrorism Coverage is not available under Flight and Travel Accident Insurance.
b) We will, for Cancellation & Interruption claims, except in the case of catastrophic event, reimburse you up to a maximum of 100% of your c) We will, for Cancellation & Interruption claims resulting in a catastrophic event, and subject to the limits described in paragraph f), reimburse you up to a maximum of 50% of your eligible loss.
d) For all other classes of insurance, we will reimburse you up to a maximum of 100% of your eligible loss.
e) The benefits payable in accordance with paragraphs b), c) and d) are in excess to all other potential sources of recovery, including but not limited to, alternative or replacement travel options offered by airlines, tour operators, cruise lines and other travel suppliers and otherinsurance coverage (even where such other coverage is described as excess) and will only respond after you have exhausted all such othersources.
f) The benefits payable in accordance with paragraph c) shall be paid out of a fund and, where total claims exceed fund limits, eligible claims shall be reduced on a pro rata basis so that the maximum payment out of the fund for all policyholders shall be CDN$5,000,000 per act of terrorism orseries of acts of terrorism occurring within a 72-hour period. The total maximum payment out of the fund for all policyholders shall beCDN$10,000,000 per calendar year regardless of the number of acts of terrorism. If, in our judgment, the total of all payable claims for allpolicyholders under one or more acts of terrorism may exceed the applicable fund maximum limits, your prorated claim will be paid after theend of the calendar year.
Cancellation & Interruption Insurance
What coverage limitations apply?
When a cause of cancellation (the event or series of events that triggers one of the 46 risks insured) occurs before the date of departure from your
departure point
, you must:
a) cancel your trip with the Travel Agent or the carrier immediately, but no later than the business day following the cause of cancellation; and
b) advise us at the same time.
Our maximum liability is the amounts or portions indicated in your trip contract that are non-refundable at the time of the cause of cancellation or
on the next business day.
Coverage Summary:
Trip Cancellation - when an insured risk causes you to cancel your trip before leaving your departure point.
Trip Interruption - when an insured risk occurs during your trip which causes the delay of your departure from your departure point; or when an
insured risk occurs during your trip which causes an early return back to your departure point.
Delayed Return - when an insured risk occurs during your trip, and results in your being delayed, beyond your scheduled return date, from
returning to your departure point.
To determine the benefit(s) available to you:a) identify the risk you have incurred under “What are you covered for?” in the following chart;b) determine when the risk occurs under “What are you eligible for?” in the following chart;c) find the letter corresponding to the benefit in the right-hand column of the following chart; andd) match your benefit under “What are the benefits?” What are you covered for?
What are you eligible for?
Trip
Trip
Cancellation
Interruption
Medical Condition
BENEFIT(S)
Your emergency medical condition.
The admission to a hospital following an emergency of a member of your immediate family (who is not at your destination), your business partner, key employee or The emergency medical condition of a member of your immediate family (who is not at your destination), your business partner, key employee or caregiver.
The admission to a hospital of your host at destination, following an emergency The emergency medical condition of your travelling companion.
The emergency medical condition of your travelling companion’s immediate family member, business partner, key employee or caregiver.
The emergency medical condition of your immediate family member who is at your RBC Insurance Non-Medical Single Trip V_10_June2012 Pregnancy and adoption
Complications of a pregnancy arising in the first 31 weeks of pregnancy involving you,or a member of your immediate family. Note: the confirmation of a multiple pregnancy/or the confirmation of a pregnancy as a result of fertility treatment are notconsidered complications of pregnancy.
Complications of a pregnancy arising in the first 31 weeks of pregnancy involving yourtravelling companion, or a member of immediate family of your travelling companion or travelling companion’s spouse. Note: the confirmation of a multiple pregnancy/or the confirmation of a pregnancy as a result of fertility treatment are not consideredcomplications of pregnancy.
Your or your spouse’s pregnancy being confirmed after your effective date, if your departure from your departure point is scheduled to take place in the 9 weeks before or after the expected date of delivery.
Your travelling companion’s or your travelling companion’s spouse’s pregnancy being confirmed after your effective date, if your departure from your departure point is scheduled to take place in the 9 weeks before or after the expected date of delivery.
The legal adoption of a child by you, when the actual date of that adoption is scheduled to take place after your effective date and prior to, or during your trip.
The legal adoption of a child by your travelling companion, when the actual date of that adoption is scheduled to take place after your effective date and prior to, or The death of your immediate family member or friend (who is not at your destination), your business partner, key employee or caregiver.
The death of your travelling companion.
The death of your travelling companion’s immediate family member, business partner, key employee or caregiver.
The death of your host at destination, following an emergency medical condition.
The death of your immediate family member or friend, who is at your destination.
Government advisories and visas
A written formal travel warning issued by the Department of Foreign Affairs andInternational Trade of the Canadian government after the purchase of your insurance, advising Canadians not to travel to a country, region or city originally ticketed for a period that includes your trip.
The non-issuance of your travel visa (not an immigration or employment visa) or the rejection of your travel visa application (not an immigration or employment visa) for The non-issuance of your travelling companion’s travel visa (not an immigration oremployment visa) or the rejection of your travelling companion’s travel visa application (not an immigration or employment visa) for reasons beyond yourtravelling companion’s control.
Employment and occupation
A transfer by the employer with whom you or your spouse is employed on your effective date, which requires the relocation of your principal residence.
A transfer by the employer with whom your travelling companion is employed on your effective date, which requires the relocation of his/her principal residence.
The involuntary loss of your or your spouse’s permanent employment (not contract employment) due to lay-off or dismissal without just cause.
The involuntary loss of your travelling companion’s permanent employment (not contract employment) due to lay-off or dismissal without just cause.
Cancellation of your or your travelling companion’s business meeting beyond your or your employer’s control or your travelling companion’s or your travelling companion’s Your being summoned to service in the case of reservists, active military, police, essential medical personnel and fire personnel.
Your travelling companion being summoned to service in the case of reservists, active military, police, essential medical personnel and fire personnel.
Delays and schedule change
Delay of your scheduled carrier, due to weather conditions, earthquakes or volcanic eruptions, for a period of at least 30% of the trip, when you choose not to continue with your travel arrangements.
Delay of your travelling companion’s scheduled carrier, due to weather conditions, earthquakes or volcanic eruptions, for a period of at least 30% of the trip, when you choose not to continue with your travel arrangements.
Delay of your travelling companion’s scheduled carrier, due to weather conditions,earthquakes or volcanic eruptions, for a period of at least 30% of the trip, when you choose to continue with your travel arrangements.
Delay of a private automobile resulting from the mechanical failure of thatautomobile, weather conditions, earthquakes, volcanic eruptions, a traffic accident,or an emergency police-directed road closure, causing you to miss a connection or resulting in the interruption of your travel arrangements, provided the automobile was scheduled to arrive at the point of departure at least 2 hours before the scheduledtime of departure.
Delay of your connecting carrier (passenger plane, ferry, cruise ship, bus, limousine,taxi or train), resulting from the mechanical failure of that carrier, a traffic accident,an emergency police-directed road closure, weather conditions, earthquakes or volcanic eruptions, unannounced strike, loss or theft of your passports, travel documents, or money causing you to miss a connection or resulting in theinterruption of your travel arrangements.
RBC Insurance Non-Medical Single Trip V_10_June2012 The cancellation of your cruise, tour and travel package (excluding supplier default)by the cruise company or tour operator: prior to your departure from your departure point, or
after your departure from your departure point, but prior to the departure of the
Your missed connection caused by the schedule change of the airline carrier that is providing transportation for a portion of your travels.
Other risks
An event completely independent of any intentional or negligent act that renders your principal residence uninhabitable or place of business inoperative.
An event completely independent of any intentional or negligent act that renders your travelling companion’s principal residence uninhabitable or his/her place of business The quarantine or hijacking of you, your spouse or your child.
The quarantine or hijacking of your travelling companion or your travelling companion’s spouse or child.
Your, your spouse or your child being a) called for jury duty; b) subpoenaed as a witness; or c) required to appear as a party in a judicial proceeding, during your trip.
Your travelling companion or your travelling companion’s spouse or child being a) called for jury duty; b) subpoenaed as a witness; or c) required to appear as a party in a judicial proceeding, during your trip.
Your cruise ship is delayed or the cruise itinerary is interrupted due to the emergency medical condition of another passenger on the ship causing you to miss a connection or resulting in the interruption of your travel arrangements.
The inability to use your cruise shore excursion tour ticket or special event ticket(theatrical, concert or sporting event) purchased while on your cruise trip due to your emergency medical condition or the emergency medical condition of your travelling The burglary of your or your travelling companion’s principal residence or place ofbusiness within 7 days of your scheduled departure date and as a result you or your travelling companion must remain behind to make the burglarized location secure orto meet with the insurance company or police authorities.
You or your travelling companion are medically unable to be immunized or takepreventative medication, which is unexpectedly and suddenly required by thegovernment for entry into that country, region or city that is originally part of your trip provided that this requirement became effective after the purchase of your travel arrangements and insurance. The reason you or your travelling companion are unableto be immunized or take preventative medication, must be due to your medicalcondition.
+The shaded section does not apply to you if the sum insured prior to departure under your Package is $0.
When Benefits J and L are payable to you, the maximum payable in total may not exceed the amount specified for Benefit K.
Benefit J is available only in conjunction with Benefits D, E or F when no cost-effective and/or direct alternate transportation is available.
What are the benefits?
Prepaid travel arrangements/Trip Cancellation - Reimbursement to you of the expenses you actually incur as a result of one of the insured risks
up to the sum insured purchased for Trip Cancellation-Before Departure to cover your trip:
A The non-refundable portion of your prepaid travel arrangements.
B The extra cost of the next occupancy charge, if you choose to travel as originally planned.
Note: Benefit A and B are not applicable if the sum insured for Trip Cancellation-Before Departure is $0.
Unused Portion of Pre-paid travel arrangements/Trip Interruption - Reimbursement to you of the expenses you actually incur as a result of one
of the insured risks:
C The non-refundable unused portion of your prepaid travel arrangements, excluding the cost of prepaid unused transportation back to your Transportation - Reimbursement to you of the expenses you actually incur as a result of one of the insured risks up to the sum insured (Trip
Interruption-After Departure), for the extra cost of:
D Your economy class transportation via the most cost effective route to rejoin a tour or group.
E Your economy class transportation via the most cost effective route to your departure point.
Fly to Bedside or Funeral-- Note: If you are required to interrupt your trip to attend a funeral, or travel to the bedside of a hospitalized
immediate family member, business partner, key employee or caregiver, you have the option to purchase a ticket to the destination
where the death or hospitalization has occurred. You will be reimbursed the cost of the ticket, up to the maximum amount of what it
would have cost for one-way economy class transportation via the most cost effective route back to your departure point. (applicable to
risk insured #2, #15, and #17)
• This option is subject to the pre-authorization of Assured Assistance Inc.
This option can only be used once during your period of insurance.
If you choose this option, it will replace benefit E.
The Subsistence Allowance benefit is not applicable if you choose this option.
Your economy class one-way air fare via the most cost effective route to your next destination (inbound and outbound).
Missed connection benefit - Reimbursement to you up to the sum insured for the lesser of the following, toward the expenses you actually incur
as a result of risk insured #36 (schedule change)
G The change fee charged by the airline carrier(s) involved, when such an option is available to you; or
up to $1,000 for the extra cost of your one-way economy air fare via the most cost effective route to your next destination (inbound and
Cruise, tour and travel package cancellation benefit - Reimbursement to you up to the sum insured for the lesser of the following, toward the
expenses you actually incur as a result of risk insured #35: Note: your sum insured must include the cruise, tour, travel package and your
non-refundable prepaid air fare.
RBC Insurance Non-Medical Single Trip V_10_June2012 H the change fee charged by the airline carrier(s) involved, when such an option is available to you; or
up to $1,000 for your non-refundable prepaid air fare, which joins to or departs from your cancelled sea/land arrangements and that is
not part of your cruise package.
the change fee charged by the airline carrier(s) involved, when such an option is available to you; or
up to $1,000 for the extra cost of your one-way economy air fare on a commercial flight via the most cost effective route to return you to
Subsistence allowance - Reimbursement to you of the expenses you actually incur as a result of one of the insured risks:
J
your commercial accommodations and meals, essential telephone calls, internet usage fees, and taxi fares (or rental car in lieu of taxi fares),
up to a daily maximum of:
$350, to a maximum total of $700.
K your overnight commercial accommodations (if delayed for 6 hours or more and delay occurs overnight) and meals, essential telephone calls, internet usage fees, taxi fares (or rental car in lieu of taxi fares), up to a daily maximum of:
$350 to a maximum total of $700.
Note: This benefit can only be claimed if no other compensation was provided or offered by the delayed connecting carrier.
L your commercial accommodations and meals, essential telephone calls, internet usage fees, and taxi fares (or rental car in lieu of taxi fares),
up to a daily maximum of:
$350, to a maximum total of $3,500.
Repatriation of your remains - Reimbursement of your expenses actually incurred as a result of one of the insured risks:
M The transportation of your remains in the common carrier’s standard transportation container to your province or territory of residence,
and up to $5,000 for the preparation of your remains and for the cost of the common carrier’s standard transportation container.
N The transportation of your remains to your province or territory of residence and up to $5,000 for the cremation of your remains at the location where your death occurred.
O Up to $5,000 for the preparation of your remains and the cost of a standard burial container and up to $5,000 for the burial of your remains at the location where your death occurred.
Unused Cruise Shore Excursion Tickets or Special Event Tickets - Reimbursement of your expenses actually incurred as a result of risk insured
# 44.
P
your unused cruise shore excursion tickets or special event tickets (theatrical, concert, or sporting event) up to $100 per ticket to amaximum of $500.
Pet Care Expenses
Q Reimbursement to you toward the expenses you actually incur up to $100 maximum total as a result of one of the insured risks, for
additional animal boarding fees if you were delayed and unable to return on your return date.
Note: This benefit is payable only if your pet care exceeds the quoted cost for the pre-booked period of accommodation with a licensedboarding kennel, cattery or animal shelter, in which case we will reimburse you for the actual boarding charges incurred after the first 24 hoursof your delayed return, subject to a maximum total of $100. This benefit does not cover veterinary fees.
HolidaySure Plan Coupon - Upon your request, compensation to you in the form of a coupon of up to $750 in value when you incur risk insured # 2
or 15, and
you miss at least 75% of your trip, as a result of the interruption of your travel plans;
you use the coupon towards travel in the 180 days immediately following the date of your early return from your interrupted insured trip; and
you use the coupon to purchase replacement travel through the travel agency that originally booked your interrupted insured travel plans,
Failure to meet these conditions, will make the HolidaySure Plan benefit coverage null and void. Your original Non-Medical Package coverage, doesnot cover the replacement travel.
What is not covered?
If the non-refundable portion of your pre-paid travel arrangements does not exceed $15,000, Exclusions 1 and 2 apply.
If the non-refundable portion of your pre-paid travel arrangements exceeds $15,000, you must complete the medical questionnaire, and This insurance does not pay for any expenses incurred directly or indirectly as a result of:i) Any medical condition or related condition (whether or not the diagnosis has been determined), if at any time in the 90 days before your effective date, the medical condition or related condition has not been stable.
ii) Any heart condition (whether or not the diagnosis has been determined), if at any time in the 90 days before your effective date: a) any heart condition has not been stable; orb) nitroglycerin is taken more than once per week specifically for the relief of angina pain.
iii) Any lung condition (whether or not the diagnosis has been determined), if at any time in the 90 days before your effective date: a) any lung condition has not been stable; orb) home oxygen or oral steroids (prednisone or prednisolone) are taken for any lung condition.
Note: This pre-existing medical condition exclusion applies to you, and your family.
2 This insurance does not cover any loss, claim or expense of any kind caused directly or indirectly from:a) Any anticipated event, occurrence, circumstance, or medical condition, which you were aware of on or before your effective date, and which you knew might be cause for cancellation, interruption or delay of your trip.
b) A trip undertaken to visit or attend an ailing person, when the medical condition or death of that person is the cause of the claim.
c) Pre-paid travel arrangements for which an insurance premium was not paid.
d) Your intentional self-inflicted injury, your suicide or your attempt to commit suicide (whether sane or insane).
e) Your commission of a criminal act or your direct or indirect attempt to commit a criminal act.
f) Your mental or emotional disorders.
g) Any medical condition arising from, or in any way related to, your chronic use of alcohol or drugs whether prior to or during your trip.
RBC Insurance Non-Medical Single Trip V_10_June2012 h) Your abuse of medication, drug or alcohol or deliberate non-compliance with prescribed medical therapy or treatment whether prior to or i) Routine pre-natal care, a child born during your period of insurance.
j) In the 9 weeks before or after the expected date of delivery, complications of pregnancy and/or childbirth.
k) Any medical condition if you undertake your trip with the prior knowledge that you will require or seek treatment, surgery, investigations, palliative care or alternative therapy of any kind, regardless of whether the treatment, surgery, investigations, palliative care or alternativetherapy is related in any way to the medical condition.
l) War (declared or not), act of foreign enemies or rebellion.
m) The non-issuance of a travel visa due to late visa application.
n) The schedule change of a medical test or surgery that was originally scheduled before your period of insurance.
o) Your medical condition if any answer provided in the medical questionnaire, when applicable, is incorrect, in which case the policy is void and the premium paid is refundable at our option.
p) Your participation in rock climbing or mountain climbing.
q) Ionising radiation or radioactive contamination from any nuclear fuel or waste which results from the burning of nuclear fuels; or, the radioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it.
If you have correctly answered the questions in the medical questionnaire, and as a result of your answers to the medical questionnaire it is
determined that this additional exclusion applies to you:
Regardless of whether a medical condition has been stable or has not been stable, this insurance does not cover expenses or benefits arising
from or related to:
a) A medical condition (whether or not the diagnosis has been determined), if at any time in the 180 days before the effective date:
you have taken or been prescribed medication, or received treatment for that medical condition; or
you have experienced a deterioration of that medical condition, or sought treatment for that medical condition.
b) A heart condition (whether or not the diagnosis has been determined), if at any time in the 180 days before the effective date:
you have taken or been prescribed medication, or received treatment for, any heart condition; or
you have experienced a deterioration of, or sought treatment for, any heart condition.
c) A lung condition (whether or not the diagnosis has been determined), if at any time in the 180 days before the effective date:
you have taken or been prescribed medication, or received treatment for any lung condition; or
you have experienced a deterioration of, or sought treatment for, any lung condition.
This insurance does not pay for any expenses incurred directly or indirectly as a result of: i) Your immediate family member or your travelling companion’s medical condition or related condition (whether or not the diagnosis has been determined), if at any time in the 90 days before your effective date, your immediate family member or your travelling companion’s medicalcondition or related condition has not been stable.
ii) Your immediate family member or your travelling companion’s heart condition (whether or not the diagnosis has been determined), if at any time in the 90 days before your effective date: a) any heart condition has not been stable; orb) your immediate family member or your travelling companion have taken nitroglycerin more than once per week specifically for the iii) Your immediate family member or your travelling companion’s lung condition (whether or not the diagnosis has been determined), if at any time in the 90 days before your effective date: a) any lung condition has not been stable; orb) your immediate family member or your travelling companion have been treated with home oxygen or taken oral steroids (prednisone or prednisolone) for any lung condition.
What conditions apply?
1
It is a condition of any transportation and subsistence allowance benefit under this policy that travel must be undertaken on the earliest of:a) the date when your travel is medically possible; andb) within 10 days following your originally scheduled return date if your delay is not the result of hospitalization; orc) within 30 days following your originally scheduled return date if your delay is the result of hospitalization, when the benefit is payable because of a medical condition covered under one of the insured risks.
It is a condition of risk insured #34 that any amount payable under Benefit F will be reduced by any amount recoverable from another source(including but not limited to alternatives or replacement travel options offered by airlines, tour operators, cruise lines and other carriers) for thesame cause.
This insurance is subject to the “Terrorism Coverage”, “General Conditions” and “How Do You Submit a Claim?” sections outlined in thispolicy.
Flight and Travel Accident Insurance
What risks are insured?
Your accidental bodily injuries, resulting in your dismemberment, loss of sight, death or complete and irrecoverable loss of speech or hearing within
365 days from the date of the accident that occurs during your trip.
What are the benefits?
We will pay the greater of these benefits for all losses resulting from an accident:
1
100% of the principal sum for death, double dismemberment or loss of sight of both eyes; or 100% of the principal sum for complete and irrecoverable loss of speech or hearing; or 50% of the principal sum for single dismemberment or loss of sight of one eye.
What is not covered?
Exclusions 1 to 9 apply to Flight Accident Exclusions 1 to 14 apply to Travel Accident RBC Insurance Non-Medical Single Trip V_10_June2012 This insurance does not cover any loss, claim or expense of any kind caused directly or indirectly from:1 War (declared or not), act of foreign enemies or rebellion.
Your intentional self-inflicted injury, suicide or attempt to commit suicide (whether sane or insane).
The commission of a criminal act or direct or indirect attempt to commit a criminal act by you or your beneficiary.
Participation in any military manoeuvre or training exercise.
Disease, even if the cause of its activation or reactivation is an accident.
Piloting, learning to pilot or acting as a member of a crew of an aircraft.
Contamination due to any act of terrorism.
Ionising radiation or radioactive contamination from any nuclear fuel or waste which results from the burning of nuclear fuels; or, theradioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it.
10 Any accident arising from, or in any way related to, your chronic use of alcohol or drugs whether prior to or during your trip.
11 Your abuse of medication, drug or alcohol or deliberate non-compliance with prescribed medical therapy or treatment whether prior to or 12 Participation as a professional athlete in a sporting event including training or practice for the same.
13 Participation in hang-gliding, rock climbing, mountain climbing, parachuting, skydiving or bungee jumping.
14 Participation in any kind of motorized race or motorized speed contest including training or practice for the same.
What conditions apply?
Conditions 1 to 4 apply to Travel Accident.
Conditions 2 to 8 apply to Flight Accident.
If after 1 year following the accident covered under this insurance, your body has not been found, it will be presumed that you died as a result ofsuch injuries occurring at the time of such accident.
This insurance is subject to the “Terrorism Coverage”, “General Conditions” and “How Do You Submit a Claim?” sections outlined in thispolicy.
The maximum sums available are shown in the Summary of Insurance Coverage chart contained in this policy.
The total benefits payable for one or more accidents will not exceed the applicable principal sum as outlined in the Summary of InsuranceCoverage chart.
If after 1 year following the forced landing or disappearance of the passenger plane on which you are riding, your body has not been found, itwill be presumed that you died as a result of the accidental bodily injuries that occurred at the time of such forced landing or accident or, in thecase of disappearance of such passenger plane, that you died at the time and place the passenger plane was last seen or heard from and as theresult of an accident to such passenger plane.
The accidental bodily injury must be sustained while you are:
a passenger on the trip shown in the insurance application/confirmation of coverage or during a substitute trip if the ticket is exchanged;
riding as a passenger in a land or water conveyance at the expense of the airline as a substitute for a passenger plane on which you are
riding as a passenger in a limousine or bus service provided by the airline or airport authority;
at an airport for the purpose of departure or arrival of the flight covered by this insurance;
riding as a passenger in a scheduled helicopter shuttle service to and from airports to make a connection with the flight covered by this
exposed to the elements due to a forced landing or disappearance of a passenger plane on which you are riding.
This insurance starts on your effective date. It ends either upon completion of the airline trip or upon expiration of the transportation ticket orupon surrender of the transportation ticket for refund or credit.
Your trip must take place on a passenger plane, between the departure point and the destination shown in the insuranceapplication/confirmation of coverage and the return to the departure point if a round trip ticket is obtained before leaving the departure point.
At the time you sustain the accidental bodily injuries, you must be travelling on a ticket or pass covering the whole airline trip issued to you fortransportation on a passenger plane in which this insurance was purchased against. If the ticket is issued to you aboard such passenger planeafter leaving the departure point but before reaching the first scheduled stop, it will be deemed to have been issued before leaving the departurepoint.
Baggage & Personal Effects Insurance
(Underwritten in Quebec by RBC General Insurance Company) What risks are insured?
This policy covers direct physical loss of, or damage to, the baggage and personal effects you own and use during your trip.
What are the benefits?
1
Loss of or Damage to Baggage & Personal Effects
Reimbursement of your losses up to the sum insured shown in the Summary of Insurance Coverage chart contained in this policy, subject to a
maximum of $500 for any one item or set of items (items which are purchased for use together, and commonly used together).
Replacement of Travel Documents
Reimbursement of up to $300 in total, towards the replacement expenses of one or more of the following documents: passport, driver’s licence,
birth certificate or travel visa, in the event any one of these is lost or stolen.
Delay of Baggage & Personal Effects
Reimbursement up to $400 maximum for necessary toiletries and clothing when your checked baggage is delayed by the carrier for 12 hours or
more while en route and before returning to your departure point.
RBC Insurance Non-Medical Single Trip V_10_June2012 What is not covered?
This insurance does not cover:
1
Animals, perishables, bicycles except while checked as baggage with a common carrier, household effects and furnishings, artificial teeth andlimbs, hearing aids, eye glasses, sunglasses, contact lenses, money, tickets, securities and documents, professional or occupational items,antiques and collector items, breakage of or damage to brittle or fragile articles, property illegally acquired, kept, stored or transported.
Any claim arising from loss:a) caused by wear and tear, deterioration, defect or mechanical breakdown;b) caused by your imprudent act or omission;c) of articles specifically insured on a valued basis by another insurer while this insurance is in effect;d) directly in consequence of war (declared or not), act of foreign enemies or rebellion;e) caused by theft from an unattended vehicle unless the vehicle (including the vehicle’s trunk) was securely locked and there were visible marks indicating that the theft occurred as a result of forcible entry.
Any loss, claim or expense of any kind caused directly or indirectly from ionising radiation or radioactive contamination from any nuclear fuelor waste which results from the burning of nuclear fuels; or, the radioactive, toxic, explosive or other dangerous properties of nuclearmachinery or any part of it.
What conditions apply?
1
The maximum sums available are shown in the Summary of Insurance Coverage chart contained in this policy.
In the event of theft, burglary, robbery, malicious mischief, disappearance, loss or damage, of an item covered under this insurance, you must:a) during your period of insurance, immediately notify and obtain corroborating documentary evidence from the police or, if the police are not available, the hotel manager, tour guide or transportation authorities; b) promptly take all reasonable precautions to protect, save and/or recover the property; andc) notify us immediately upon your return to your departure point.
Failure to comply with this condition will invalidate any claim under this insurance.
If the insured property is under check of a common carrier and delivery is delayed, this insurance will continue until such property is deliveredby the common carrier.
a) We are not liable beyond the actual cash value (original cost less deduction for depreciation), of the property, at the time of loss.
b) We have the option to repair or replace any damaged or lost property with other of similar kind, quality and value and to require submission of the property for appraisal of damage.
If you are insured under other Baggage & Personal Effects insurance issued by us, then the maximum sum insured per person or per family willnot exceed $2,000 in total for all coverages.
If an article which is part of a set is lost or damaged, the measure of loss or damage to such article is a reasonable and fair proportion of the totalvalue of the set, but not the total loss of or damage to the set.
This insurance is subject to the “Terrorism Coverage”, “General Conditions” and “How Do You Submit a Claim?” sections outlined in thispolicy.
General Conditions
If you fail to meet the eligibility conditions as outlined under “Who is eligible for coverage?” your insurance is void and our liability is limited toa refund of the premium paid.
When making a claim under this insurance, you must provide the applicable documents we require. Failure to provide the applicabledocumentation will invalidate your claim.
If you are eligible, from any other insurer, for benefits similar to the benefits provided under this insurance, the total benefits paid to you by allinsurers cannot exceed the actual expense that you have incurred. We will coordinate the payment of benefits with all insurers from whom youare eligible for benefits similar to those provided under this insurance, to a maximum of the largest amount specified by each insurer. Thiscondition is not applicable to benefits payable under Flight & Travel Accident Insurance.
If you are insured under more than one of our policies, the total amount paid to you cannot exceed the actual expense which you have incurredand the maximum you are entitled to is the largest amount specified for the benefit in any one policy. This condition is not applicable tobenefits payable under Flight & Travel Accident Insurance.
Any of our policies are excess insurance and are the last payors. All other sources of recovery, indemnity payments or insurance coverage mustbe exhausted before any payments will be made under any of our policies. This condition is not applicable to benefits payable under Flight &Travel Accident Insurance.
You must repay to us any amount paid or authorized by us on your behalf if and when we determine that the amount is not payable under theterms of your policy.
If you incur expenses covered under this insurance due to the fault of a third party, we may take action against the party at fault. You agree tocooperate fully with us and to allow us, at our own expense, to bring a law suit in your name against the third party. If you recover against a thirdparty, you agree to hold in trust sufficient funds to reimburse us for the amounts paid under the policy.
We will pay the expenses, other than for loss of life, covered under this insurance to you or to the provider of the service(s). Any sum payable forloss of life will be payable to your estate unless otherwise specified in your insurance application/confirmation of coverage.
If the aggregate of all accident insurance policies under which we cover you is in excess of $200,000, our total liability will be limited to $200,000and any excess insurance will be void and the premiums paid will be refunded.
10 Payment, reimbursement and amounts shown throughout this contract are in Canadian dollars, unless otherwise stated. If currency conversion is necessary, we will use the exchange rate on the date the last service was rendered to you. This insurance will not pay for any interest.
11 During the processing of a claim under this insurance, we may require you to undergo a medical examination by one or more physicians selected by us and at our expense.
12 You and we agree that all disputes, controversies or claims arising under this policy or otherwise in connection with this policy, whether of law or fact and of any nature whatsoever including, but not limited to, all disputes or controversies related to determinations made under the policyshall be decided by arbitration before a single arbitrator in the Canadian province or territory in which this policy was issued under the rulesembodied in the arbitration legislation of the Canadian province or territory in which this policy was issued or, in the absence of suchlegislation, in the Commercial Arbitration Act, R.S.C. 1985, C.17 (second supp.), as amended. In any event, any action or arbitration proceedingagainst us for the recovery of a claim under this policy shall not be commenced more than 1 year after the occurrence which gives rise to the RBC Insurance Non-Medical Single Trip V_10_June2012 claim. If, however, this limitation is invalid according to the laws of the province or territory where this policy was issued, you must commenceyour action or arbitration proceeding within the shortest time limit permitted by the laws of that province or territory. In addition, the venue ofany action or arbitration proceeding shall only be in the province or territory where the policy was issued. You, your heirs and assigns consentto the transfer of any action or arbitration proceeding to the province or territory where the policy was issued and at a venue chosen by usand/or Assured Assistance Inc.
13 This contract is void in the case of fraud or attempted fraud by you, or if you conceal or misrepresent any material fact or circumstance 14 Throughout this document, any reference to age refers to your age on the date of insurance application/confirmation of coverage.
15 We and our agents, Assured Assistance Inc. and their agents are not responsible for the availability, quality or results of any medical treatment or of any transportation or of your failure to obtain medical treatment.
16 This document, including the insurance application/confirmation of coverage and, when applicable, the medical questionnaire, is the entire contract between you and us. Despite any other provision of this contract, this contract is subject to any applicable federal and provincialstatutes concerning contracts of insurance.
17 The following two paragraphs are applicable only to policies issued in Alberta and British Columbia: Every action or proceeding against an insurer for the recovery of insurance money payable under the contract is absolutely barred unless
commenced within the time set out in the Insurance Act.
Despite any other provision in the contract, the contract is subject to the statutory conditions in the Insurance Act respecting contracts of
accident and sickness insurance.

How do you submit a claim?
When you call Assured Assistance Inc. at the time of an emergency, you are given all the information required to file a claim. Otherwise, pleaserefer to the instructions below.
We do not cover fees charged for completing a medical certificate.
You must file your claim with us within 90 days of your return to your departure point.
If you need a Claim & Authorization form, please contact our Claims Department at: P.O. Box 97, Station A, Mississauga, Ontario, L5A 2Y9Outside of Quebec 905-816-2572 or 1-800-263-8944Residents of Quebec 514 748-2244 or 1-800-263-8944Or you can visit our website at http://www.rbcinsurance.com/travel/travel-insurance-claims.html,to obtain a Cancellation & Interruptionclaim form.
Cancellation & Interruption Insurance
We require the fully completed Claim & Authorization form, and where applicable:
Our medical questionnaire (if the full value of the non-refundable portion of your prepaid travel arrangements exceeds $15,000).
A medical document, fully completed by the legally qualified physician in active personal attendance and in the locality where the medical
condition occurred stating the reason why travel was not recommended, the diagnosis and all dates of treatment.
Written evidence of the risk insured which was the cause of the cancellation, interruption or delay.
Tour operator terms and conditions.
Complete original unused transportation tickets, vouchers, cruise shore excursion tickets or special event tickets.
All receipts for the prepaid land arrangements and/or subsistence allowance expenses.
Original passenger receipts for new tickets.
Reports from the police or local authorities documenting the cause of the missed connection.
Detailed invoices and/or receipts from the service provider(s).
Flight and Travel Accident Insurance
We require the fully completed Claim & Authorization form, and where applicable:
Police reports, medical records, death certificate, autopsy or coroner’s report.
Baggage & Personal Effects Insurance
We require the fully completed Claim & Authorization form, and where applicable:
Proofs of loss/damage (copy of reports made to the authorities), proof of ownership and receipts for the items claimed, in the event of loss or
Proof of delay and receipts for purchases of necessary toiletries and clothing, in the event of a delay.
FAILURE TO COMPLETE THE REQUIRED CLAIM & AUTHORIZATION FORM IN FULL WILL DELAY THE ASSESSMENT OF YOUR CLAIM.
What Assistance Services are available?
Assured Assistance Inc (AAI) provides Emergency Assistance leveraging our travel assistance coordinators, travel professionals and call centreinfrastructure teams. Behind the scenes our medical assistance team is ready to provide their expertise if required.
Emergency Assistance Services:
If you require assistance during your trip, or for any other emergency, you can contact Assured Assistance Inc. immediately at one of these numbers:
1-800-387-2487 (toll-free call from the USA or Canada)
001-800-514-1890 (toll-free call from Mexico)
905 816-2561 (collect call from anywhere)
1-888-298-6340 (toll-free fax from the USA or Canada)
905 813-4719 (fax)
The following assistance service is available to you:1 Replacement Co-ordination
Whenever possible, Assured Assistance Inc. will help co-ordinate the replacement of your prescription eyeglasses or essential prescription
RBC Insurance Non-Medical Single Trip V_10_June2012 medication in the event these items need to be replaced during your trip. This insurance does not cover the actual cost to replace yourprescription eyeglasses or essential prescription medication.
Concierge Services:
If you require planning or assistance during your trip, please contact our Concierge Services at:
1-800-387-2487 (toll-free call from the USA or Canada)
001-800-514-1890 (toll-free call from Mexico)
905 816-2561 (collect call from anywhere)
1-888-298-6340 (toll-free fax from the USA or Canada)
The following Concierge Services are available to you: TRAVEL INFORMATION
✔ Currency exchange rates✔ ATM locations✔ Weather information✔ Consulate and embassy locations✔ Local sights and attractions✔ Social protocol in countries to be visited✔ Last minute flight changes✔ Hotel finder and reservations✔ Ground transportation (rental car, train, bus)✔ Baggage tracing✔ Pre-trip health and safety advisories✔ Passport, visa and customs information✔ Departure tax information✔ International driver’s license information✔ Person with disabilities–wheelchair access information✔ Information regarding travelling with children (for couples that are divorced or separated), travelling with children that are not yours or children travelling on their own ✔ Canada customs–what can I bring into Canada✔ Information on country to country calling✔ Check-in assistance ENTERTAINMENT PLANNING
✔ Restaurant locations/reservations✔ Golf course locations/reservations✔ Tickets for concerts, theatre, sports✔ Yacht and fishing charters reservations PERSONAL SERVICES
✔ E-mail/phone messaging to family and friends✔ Floral services✔ Fitness centre/spa reservations✔ Legal/bail Assistance✔ Arrange for interpreter/translation services✔ Arrange for courier services for valuable documents left behind Note: We will always do our best to find the information, make the arrangements you request, or refer you to appropriate professionals. Please beaware, the arrangements you request may not be available. Outside professionals are independent providers and Assured Assistance Inc. is notresponsible for the availability, quality or results of any services or information they provide. Our Concierge benefits are service benefits and notfinancial benefits. Any costs associated with the services are your responsibility. Services may vary or may not be available based on your tripdestination.
RBC Insurance Non-Medical Single Trip V_10_June2012 RBC Insurance Company of Canada and
Assured Assistance Inc.
P.O. Box 97, Station A,
Mississauga, Ontario L5A 2Y9
Underwritten by RBC Insurance Company of Canada. In Quebec, certain coverages underwritten by RBC General Insurance Company.
 Registered trademarks of Royal Bank of Canada. Used under licence.

Source: http://www.freedomcruise.ca/Images/RBC-Non-Medical-Jul-12.pdf

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Az adherencia jelentősége az osteoporosisos beteg kezelése során Bors Katalin dr. Fővárosi Önkormányzat Visegrádi Rehabilitációs Szakkórház és Gyógyfürdő, Visegrád Az adherencia (terápiahűség) és a talán közismertebb THE IMPORTANCE OF ADHERENCE IN THE TREATMENT OF compliance (beteg-együttműködés) rokon, de nem azonos PATIENTS WITH OSTEOPOROSIS foga

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Nutritional Selection Guidelines Table of Contents Nutritional Selection Guidelines The following paragraphs are made up of common sense and/or the latest scientific evidence. They are by no means complete. For further information ask the person giving you this report or see the References. GENERAL: 1. Good eating habits may not be enough as much food grown today is grown in s

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