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For the purposes of this CIBC Emergency Travel Medical Insurance website, the following terms have the meanings described here:

"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), that are; committed for political, religious, ideological, social, economic or similar purposes, including the intention to intimidate, coerce or overthrow a government (whether defacto 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.

"Annual Plan" means coverage for an unlimited number of insured trips of a maximum duration of up to 15 days or 31 days within a continuous 365-day period commencing from the effective date.

"CIBC" means the Canadian Imperial Bank of Commerce.

"Travel Assistance Centre" means the 24 hour, 7 day travel assistance hotline that provides emergency, orientation, referral and claims services to you during an insured trip.

"Common Carrier" means any land, air or water conveyance which is licensed to transport passengers for hire, provided it maintains published timetables and fares. Taxis, limousines and rental vehicles, however, are not considered common carriers.

"Company" refers to Co-operators Life Insurance Company.

"Confirmation of Coverage" means the document that you receive from us as a confirmation of the coverage you have purchased, which may be a confirmation of coverage letter, an application form that is stamped by a CIBC bank branch or an internet purchase confirmation page.

"Departure Date" means the earlier of the date you: (i) board your ticketed transportation; or, (ii) leave your province on an insured trip.

"Dependant Child" means any child who is: (i) financially dependent on you; (ii) at least 15 days of age on the departure date; and, (iii) under age 21, or (iv) under age 25 and enrolled in and attending, full-time, an accredited high school, college or university, or (v) mentally or physically disabled and less than 65 years old. Exception: In the case of grandparents, a "Dependant Child" means any children or step-children of your son, daughter, son-in-law, daughter-in-law, step-son or step-daughter who is: (i) at least 15 days of age on the departure date; and, (ii) under age 21, or (iii) under age 25 and enrolled in and attending, full-time, an accredited high school, college or university, or (iv) mentally or physically disabled and less than 65 years old.

"Effective Date" means the date coverage begins, provided the appropriate premium has been received by us, being the latest of: (i) the date indicated on your Confirmation of Coverage; or (ii) the date you first exit your province. If coverage is purchased after your departure date, emergency sickness-related benefits will become effective 48 hours after the date and time the required premium is received by us.

"Elective Treatment" means medical treatment, surgery or other procedures scheduled by your physician to occur at a future date.

"Emergency" means an unforeseen sickness or injury which requires immediate treatment to prevent or alleviate existing danger to life or health. An emergency no longer exists when the medical evidence indicates that you are able to continue your trip or return to your province or Canada.

"Expiry Date" means the date your policy ends, on an Emergency Travel Medical Annual Plan, which is 364 days after the effective date.

"Extended Family" means spouse, children or step-children, their respective spouses; parent(s), guardian(s), or step-parents; in-law(s), brother(s), step-brother(s), sister(s), step-sister(s), grandparent(s) and grandchildren.

"Guarantee Of Coverage" means the document that you receive from us, if you have been medically underwritten which specifies what pre-existing conditions are covered under this certificate.

"High Risk Activity" means bungee jumping, gliding, hang-gliding, freestyle skiing/snowboarding, ski jumping, parachuting, sky diving, sky-surfing, street luge, skeleton activity, mountain or rock climbing with or without ropes, participation in any rodeo activity.

"Hospital" means a facility equipped to perform surgery, on an emergency in-patient and outpatient basis, and shall not include a nursing home, rest home, convalescent home, rehabilitation centre, or home for the aged.

"Injury" means sudden bodily harm directly caused by an accident, which is independent of sickness and all other causes.

"Insured" means a person(s) who is eligible for coverage, and who is and named on the Confirmation of Coverage, and for whom the required premium has been paid.

"Insured Trip" means a trip on which you are travelling outside your province and for which coverage is in effect. Coverage on a trip begins on your departure date and ends on the earlier of the date: (i) you return to your province; or, (ii) the number of days of coverage you purchased expires.

"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 contamination where:

  • Nuclear means any occurrence causing bodily injury, sickness, disease, or death or loss of or damage to property, or for loss of use of property, arising out of or resulting from the radioactive, toxic, explosive, or other hazardous properties of source, special nuclear, or by-product material.
  • Chemical agent shall mean any compound which, when suitably disseminated, produces incapacitating, damaging or lethal effects on people, animals plants or material property.
  • Biological agent shall mean any pathogenic (disease producing) micro-organism(s) and/or biologically produced toxin(s) (including genetically modified organisms and chemically synthesized toxins) which cause illness and/or death in humans, animals or plants.

"Physician" means AGA's medical director or a person, other than a relative, who is legally qualified and licensed to practice medicine or perform surgery.

"Pre-existing Condition" means a sickness, injury or medical condition, whether or not diagnosed by a physician: (i) for which you exhibited symptoms; or, (ii) for which you required or you received medical attention, consultation or treatment; and (iii) which existed, prior to any departure date or the effective date of your coverage.

"Province" means your province or territory of usual residence in Canada at the time of application.

"Reasonable and Customary Charges" are amounts that we believe are not in excess of the standard charges for the level of care, services or supplies usually given for similar cases in the place where the emergency took place.

"Recurrence" means the appearance of symptoms caused by or related to a medical condition which was previously diagnosed by a physician or for which treatment was previously received.

"Sickness" means illness or disease.

"Spouse" means the person who is legally married to you or in a civil union with you or a partner who has been living with you and who has publicly represented himself or herself as your spouse for at least 12 months.

"Terminal" means a medical condition for which, before the insured trip, a physician gave a prognosis of eventual death or palliative care was received.

"Termination Date" means the date any coverage ends, being the earlier of: i) the date you return to your province; or, (ii) the number of days of coverage you purchased expires.

"Travelling Companion" is someone with whom you have common departure and return dates, and trip destination.

"Treatment" means a medical, therapeutic or diagnostic procedure prescribed, performed or recommended by a physician, including but not limited to prescribed medication, investigative testing and surgery.

"Unstable Condition" means a sickness or injury, which would cause an ordinarily prudent person to expect the need for medical treatment or investigation following departure.

"Vehicle" means a private passenger car, sports utility vehicle, pick-up truck or mini-van which is used for personal pleasure purposes and not for commercial use. The vehicle must be owned or rented by you, or borrowed from a member of your extended family, or supplied to you by your employer for personal use.

"We", "Our", and "Us" refer to Allianz Global Assistance, or Co-operators Life Insurance Company, or The Sovereign General Insurance Company as applicable.

"You" or "Your" means each insured.

CIBC Emergency Travel Medical Insurance is underwritten by Co-operators Life Insurance Company, and is administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc.
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