Accident(al) means a sudden, unexpected, unforeseeable,
unavoidable external event and excludes disease or infections.
Act of terrorism means an act, including but not limited to
the use of force or violence and/or the threat thereof or
commission or threat of a dangerous act, of any person
or group(s) or government(s), committed for political,
religious, ideological, social, economic or similar purposes
including the intention to intimidate, coerce or overthrow a
government (whether de facto or de jure) or to influence,
affect or protest against any government and/or to put the
civilian population, or any section of the civilian
population, in fear.
Act of war means any loss or damage arising directly or
indirectly from, occasioned by, happening through or in the
consequence of: war; invasion; acts of foreign enemies;
hostilities or warlike operations (whether war is declared or
not) by any government or sovereign, using military
personnel or other agents; civil war; rebellion; revolution;
insurrection; civil commotion assuming the proportions of
or amounting to an uprising; military or usurped power.
Activities of daily living means eating, bathing, using the toilet,
changing positions (including getting in and out of a bed or
chair) and dressing.
Aggregate limit means the total number or the maximum
value of insured losses resulting from any one accident or
event causing loss.
Commercial accommodation means an establishment
providing short-term accommodation for paying guests,
licensed under the law of its jurisdiction, which provides
proof of commercial transaction.
Country of origin means the country in which you maintained
a permanent residence prior to entry into Canada or, if
different, the country which issued your passport. If you have
more than one passport, country of origin will be the country
you indicated as such when applying for this insurance.
Deductible means the dollar amount for which you are
responsible for each claim before any remaining eligible
expenses are reimbursed under this insurance. Your
deductible is indicated on your confirmation of coverage
and applies to each claim.
Dependent children means your unmarried children who are:
- a) financially dependent on you; and
- b) at least 15 days of age and no more than 21 years
Effective date means the later of:
- a) the date and time the completed application and
premium are accepted by TIC or its representative; or
- b) the date indicated as the effective date on your
confirmation of coverage; or
- c) the first time you exit your country of origin.
coverage and for which premium has been paid. As selected
and paid for at the time of application, the maximum
period of coverage cannot exceed 365 days.
Physician means a person other than you, who is legally
qualified and licensed to practice medicine or perform
surgery in the location where the services are performed,
and is not related to you by blood or marriage.
Pre-existing condition means a sickness, injury or medical
condition, whether or not diagnosed by a physician:
- a) for which you exhibited signs or symptoms; or
- b) for which you required or received medical
- c) which existed prior to the effective date of your
Professional means you are considered professional by the
governing body of the sport, earn the majority of your
income from such activity, and are paid for your
participation whether you win or lose.
Reasonable and customary means the services customarily
provided or the costs customarily incurred for covered
losses, which are not in excess of the standard practice or
fee in the geographical area where the services are provided
or costs are incurred for comparable treatment, services or
supplies for a similar sickness or injury.
Sickness means any illness or disease.
Signs or symptoms means any evidence of disease
experienced by you or recognized through observation.
Spouse means a person who is legally married to you, or a
person who has been living with you in a common-law
relationship for a period of at least 12 consecutive months.
- a) if you are age 59 or under, is the 90 days immediately
before the effective date.
- b) if you are age 60 to 79, is the 180 days immediately
before the effective date.
Stable describes any medical condition or related condition,
including any heart condition or lung condition, for which:
- a) there has been no new treatment; and
- b) there has been no change in treatment or change
in treatment frequency or type; and
- c) there have been no signs or symptoms or new
- d) there have been no test results showing
- e) there has been no hospitalization; and
- f) there has been no referral to a specialist (made or
recommended) and you are not awaiting surgery or
the results of further investigations performed by
any medical professional.
Injury means bodily harm, which is directly caused by or
resulting from an accident, being a sudden and unforeseen
event, excluding bodily harm that results from deliberate
or voluntary action, and independent of sickness and all
Insured person means an eligible person named on the
application, who has been accepted by TIC or its authorized
representative, and has paid the required premium for a
specific plan of insurance.
Insurer means CUMIS General Insurance Company, a
member of The Co-operators group of companies.
Lung condition includes chronic obstructive pulmonary
disease (COPD), bronchial asthma, asthma, chronic
bronchitis, emphysema, tuberculosis, pulmonary fibrosis.
Major organ means heart, kidney, liver, or lung.
Medical consultation means any medical services obtained
from a licensed medical practitioner for a sickness, injury or
medical condition, including but not limited to any or all
of: history taking, medical examination, investigative
testing, advice or treatment, and during which a diagnosis of
the medical condition need not have been definitively made.
This does not include regular medical check-ups where no
medical signs or symptoms existed between check-ups or
were found during the check-up.
Mountaineering means the ascent or descent of a mountain
requiring the use of specified equipment including crampons,
pick axes, anchors, bolts, carabiners and lead-rope or top
rope anchoring equipment.
Nuclear, chemical or biological means the use of any nuclear
weapon or device or the emission, discharge, dispersal,
release or escape of any solid, liquid or gaseous chemical
agent and/or biological agent, including the resultant
On-going expenses means any treatment, investigation or
hospitalization which is a continuation of, or subsequent to,
emergency treatment of a medical condition.
Period of coverage means the period from the effective date
to the expiry date as indicated on your confirmation of
In the event you (or your insured travelling companion)
are confined to hospital on the date on which you are
scheduled to return home, the insurer agrees to reimburse
Terminal applies to a medical condition for which a physician
gave a prognosis of eventual death or for which palliative
care was received prior to the effective date.
Travelling companion means a person who has prepaid shared
accommodation or transportation with you. (Maximum of
5 persons including you.)
Treatment means a medical, therapeutic or diagnostic
procedure prescribed, performed or recommended by a
physician including but not limited to prescribed
medication, investigative testing or surgery.
Trip means a period during which you are travelling outside
your country of origin and for which coverage is in effect.