Definitions: Manulife Travel Insurance Products

Act of terrorism means any activity, occurring within a 72-hour period, save and except an act of war, against persons, organizations, property (whether tangible or intangible) or infrastructure of any nature by an individual or a group based in any country that involves the following or preparation for the following:

• use, or a threat to use, force or violence; or
• commission of, or a threat to commit, a dangerous act; or
• commission of, or a threat to commit, an act that interferes or disrupts an electronic, information or mechanical system;

• intimidate, coerce or overthrow a government (whether de facto or de jure) or to influence, affect or protest against its conduct or policies; or
• intimidate, coerce or put in fear the civilian population or any segment thereof; or
• disrupt any segment of the economy; or
• further political, ideological, religious, social or economic objectives or to express (or express opposition to) a philosophy or ideology.

Act of war means hostile or warlike action, whether declared or not, in a time of peace or war, whether initiated by a local government, foreign government or foreign group, civil unrest, insurrection, rebellion, or civil war.

Age means your age at your application date. For Visitors Plans, age means your age on the effective date of your coverage as per your confirmation.

Change in medication means the medication dosage, frequency or type has been reduced, increased, stopped and/or new medication(s) has/have been prescribed.
Exceptions: the routine adjustment of Coumadin, Warfarin or insulin (as long as they are not newly prescribed or stopped) to test your blood levels; and, a change from a brand name medication to a generic brand medication of the same dosage.

Child, Children means an unmarried, dependent son or daughter or your grandchild(ren) under the age of 21 or, if a full-time student, under the age of 26. Also, an unmarried dependent son or daughter of any age, if mentally or physically handicapped. In addition, the child must be a minimum age of 31 days old to be covered under this policy.

Common carrier means a conveyance, (bus, taxi, train, boat, airplane or other vehicle) which is licensed, intended and used to transport paying passengers.

Confirmation means the document or set of documents confirming your insurance coverage under this policy and, where applicable, your trip arrangements. It includes the medical questionnaire, if required, and application for this policy, once you have completed and submitted it with the required premium to us. It may also include tickets or receipts issued by an airline, travel agent, tour operator, rental agency, cruise line or other accommodation or travel provider with whom you made arrangements for your trip.

Covered expenses means reasonable and customary charges you incur for supplies and services which are eligible expenses under the Emergency Medical Insurance provisions and which are either in excess of and/or not covered under your government health insurance plan or any other plan.

Default means the inability of a travel supplier to provide travel services for which you have contracted with the travel supplier, because of complete or substantially complete cessation of business by the travel supplier resulting directly or indirectly from bankruptcy or insolvency thereof.

Departure date means the date you leave home unless you requested your coverage to start when you leave Canada. For the Visitors Plans, it means the date you leave home.

Effective date means the date on which your coverage starts.

• Trip Cancellation also included in: All-Inclusive, Travel Canada and Non-Medical Inclusive Plans, coverage starts at the date and time you pay the premium for that coverage, indicated as the purchase date on your confirmation.
• Rental Vehicle Damage Insurance starts when you legally assume control of the Rental Vehicle as indicated on your rental contract.
• The Visitors Plans coverages start on the later of i) the effective date of insurance as shown on your confirmation; or ii) the time and date you arrive in Canada from home.
• Annual Medical coverage starts on the effective date as shown on your confirmation which must fall within 3 months of purchase and each time you leave home.
• All other coverages start on your departure date, as indicated on your confirmation.

Emergency means a sudden and unforeseen occurrence of a medical condition that begins during the period of insurance and requires immediate treatment. An emergency no longer exists when the Assistance Centre determines that you are able to continue your trip or return home.

Expiry date means the date your coverage ends.

• For Trip Cancellation Insurance, your coverage ends on your departure date as indicated on your confirmation.
• For Rental Vehicle Damage Insurance ends at the moment the agency reassumes control of the rental vehicle or the rental contract ends, or 45 days after the contract started, whichever is earliest.
• The Visitors Plan coverages end on the earliest of the following:
  1. the date you leave Canada to return home;
  2. when the number of days of coverage you purchased expires as per your confirmation;
  3. no more than 365 days after your effective date of insurance;
  4. the first day you become insured under a Canadian government health insurance plan.
• Other coverages end on the earliest of these dates:
  1. the date you return home;
  2. on the expiry date, as shown on your confirmation; or
  3. when the number of days of coverage you purchased expires.

First travel date means your planned departure date, as recorded on your confirmation.

Government health insurance plan means the health insurance coverage that a Canadian provincial or territorial government provides to its residents; or for the Visitors Plans, coverage that governments of your home or your country of residence provide to you.

Home means your Canadian province or territory of residence. If you request your coverage to start when you leave Canada, home means Canada. In the case of Trip Interruption, Flight and Travel Accident, and Baggage Insurance, it means the place you leave from on the first day of coverage and are scheduled or ticketed to return to on the last day of coverage. For Visitors Plans, it means your country of residence or origin; or your place of departure before arriving in Canada.

Hospital means a facility that is licensed as a hospital, where in-patients receive medical care, that has at least one registered nurse on duty at all times, and that includes a laboratory and operating theatre. A clinic, an extended or palliative care facility, a rehabilitation establishment, an addiction centre, a convalescent, rest or nursing home, home for the aged or health spa is not a hospital.

Immediate family means spouse, parent, legal guardian, step-parent, grandparent, grandchild, in-law, natural or adopted child, step-child, brother, sister, step-brother, step-sister, aunt, uncle, niece or nephew.

Injury means sudden bodily harm that you sustain during the trip and that is caused by external, violent and purely accidental means, directly and independently of all other causes.

Key-person means someone to whom a dependent's full-time care is entrusted and who cannot reasonably be replaced, a business partner, or an employee who is critical to the ongoing affairs of your business, during the trip.

Medical attention means treatment required for the immediate relief of an acute symptom or that, according to a physician, cannot be delayed until you return home. It must be ordered by and received from a licensed physician during the trip or received from a physiotherapist, chiropractor, chiropodist, osteopath or podiatrist during the trip.

Medical condition means injury, illness or disease, complication of pregnancy within the first 31 weeks of pregnancy, a mental or emotional disorder that requires admission to a hospital, an acute psychosis.

Medically necessary in reference to a given service or supply, means such service or supply that:

1. is appropriate and consistent with the diagnosis according to accepted community standards of medical practice;
2. is not experimental or investigative in nature;
3. could not be omitted without adversely affecting your condition or quality of medical care;
4. cannot be delayed until your return home; and
5. is delivered in the most cost-effective manner possible, at the most appropriate level of care and not primarily for reasons of convenience.

Mountaineering means the ascent or descent of a mountain requiring the use of specified equipment including crampons, pickaxes, anchors, bolts, carabineers and lead-rope or top-rope anchoring equipment.

Physician means a medical doctor who is duly licensed in the jurisdiction in which he/she operates and who gives medical care within the scope of his/her licensed authority. A physician must be a person other than you or a member of your immediate family.

Plane means a multi-engine aircraft operated by and licensed to a regularly scheduled airline on a regularly scheduled trip operated between licensed airports and holding a valid Canadian Air Transport Board license, Charter Air Carrier license, or its foreign equivalent, and operated by a certified pilot.

Pre-existing condition means a medical condition that exists before your effective date of insurance.

Questionnaire means the document you must fill out truthfully and accurately to confirm your eligibility and rate category for our Medical Preferred or Annual Medical coverage.

Reasonable and customary charges means costs that do not exceed the standard fee of other providers of similar standing in the same geographical area, when providing the same treatment of a similar sickness or injury.

Rental vehicle means a private passenger automobile, mini-van, self-propelled mobile home, camper truck or trailer that you use during your trip and rent, under a written contract, from a commercial rental agency licensed under the law of its jurisdiction. We do not mean any of the following: truck, van, bus, sport utility vehicle while you use it off road, automobile designed and manufactured primarily for off-road use while it is being used off road, motorcycle, moped, motorbike, recreational vehicle, all-terrain vehicle, camper, trailer, automobile that is more than 20 years old, limousine, exotic vehicle of these or similar makes: Aston Martin, Bentley, Ferrari, Porsche or Rolls Royce.

Spouse means someone to whom one is legally married, or with whom one has been living in a conjugal relationship for at least one full year before the effective date of this insurance.

Stable means a medical condition for which:

• there have been no new symptoms, and existing symptoms have not become more frequent or more severe or there have been no test results showing deterioration; and/or
• a physician has not determined that the condition has become worse; and/or
• a physician (or other medical professional) has not prescribed or recommended a change in medication taken or medical care received for that condition; and/or
• a physician (or other medical professional) has not prescribed or recommended a change in treatment for that condition; and/or
• there has been no admission to a hospital and/or you are not awaiting results of further investigation for that medical condition.

Travel companion means someone who shares trip arrangements and accommodations with you. No more than 3 individuals (including the insured) will be considered travel companions on any one trip.

Travel services means transportation, sleeping accommodation or other service provided or arranged by a travel supplier for your use (but does not include taxes or insurance).

Travel supplier means a tour operator, travel wholesaler, airline, cruise line provider of ground transport or provider of travel accommodation or provider of other services to you that is:

1. contracted to provide travel services to you; and
2. licensed, registered or is otherwise legally authorized in the particular location of the travel supplier to operate and provide travel services as shown on your confirmation.

Treatment means a medical, therapeutic or diagnostic procedure prescribed, performed or recommended by a licensed medical practitioner, including but not limited to prescribed medication, investigative testing and surgery related to any sickness, injury or symptom.

Trip means the period of time between your effective date of insurance and expiry date shown on your confirmation.

Vehicle includes any private or rental passenger automobile, boat, mobile home, camper truck or trailer home which you use during your trip exclusively for the transportation of passengers (other than for hire).

Waiting period means:

1. the 48-hour period following your effective date of insurance if you purchase this insurance within 30 days of arrival in Canada;
2. the 8-day period following your effective date of insurance if you purchase this insurance more than 30 days after arrival in Canada.

We, us, our means First North American Insurance Company (FNA) in connection with Baggage Insurance and coverage for the risks identified with an ‡ throughout this document; and to The Manufacturers Life Insurance Company (Manulife Financial) in connection with all other coverages under the policy. The participation of the insurers is several and not joint and none of them will under any circumstances participate in the interest and liabilities of any of the others.

You, your means the person(s) named as the insured(s) on the confirmation, for whom insurance coverage was applied for and for whom the appropriate premium was received by us.

Effective 11/2006
The Manufacturers Life Insurance Company