SUPPLEMENTAL TRIP CANCELLATION &
TRIP INTERRUPTION INSURANCE PLAN
CERTIFICATE OF INSURANCE
AMEX
®
TRAVEL INSURANCE
INTRODUCTION
Supplemental Trip Cancellation & Trip Interruption Insurance for AMEX Cardmembers and insured persons.
THIS COVERAGE IS SUPPLEMENTAL TO THE TRIP CANCELLATION & TRIP INTERRUPTION COVERAGE PROVIDED
ON THE CARDMEMBER’S AMEX CARD.
IMPORTANT – PLEASE READ: This Certicate of Insurance is a valuable source of information and contains provisions that may
limit or exclude coverage. Please read this Certicate of Insurance, keep it in a safe place and carry it with you when you travel.
Amex Bank of Canada has been issued group insurance policy PSI047402221 for Supplemental Trip Cancellation & Trip
Interruption Insurance coverage by Royal & Sun Alliance Insurance Company of Canada (the “Insurer”) to protect your travel
investment prior to departure and cover certain other expenses incurred by you while outside your Canadian province or
territory of residence. This Certicate of Insurance summarizes the provisions of the group insurance policy applicable to your
AMEX Travel Insurance – Supplemental Trip Cancellation & Trip Interruption Plan.
RIGHT TO EXAMINE INSURANCE
You have the right to cancel this Certicate of Insurance within 10 days of receipt and receive a full refund. Upon such request,
this Certicate of Insurance will be considered to never have been in effect and the Insurer will have no liability under this
insurance. You must notify us immediately if you wish to cancel your coverage and written conrmation must be received within
10 days of receipt of the Certicate of Insurance. If your Certicate of Insurance was mailed to you, you have a maximum period
of 15 days from the date the Certicate of Insurance was posted.
All italicized terms have the specic meaning explained in the “Denitions” section of this Certicate of Insurance.
IMPORTANT NOTICE – PLEASE READ CAREFULLY
• Travel insurance is designed to cover losses arising from sudden and unforeseeable circumstances and emergencies.
It is important that you read and understand your Certicate of Insurance 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 Certicate of Insurance and how it relates to your departure date, date of purchase, or effective date.
• The basic Cardmember is responsible for this insurance coverage, including coverage bound by any purchases made
by a supplementary Cardmember below the age of majority.
• In the event of an accident, injury or sickness, your prior medical history may be reviewed when a claim is reported.
• For trip cancellation coverage, only the trip costs charged on the Cardmember’s Card will be considered for reimbursement,
up to the benet maximum. Any expenses incurred using other payment sources will not be considered.
• For trip interruption/trip delay coverage, benets are payable to you as long as any portion of the trip costs are charged
to the Cardmember’s Card, up to the benet maximum.
• This Certicate contains clauses which may limit the amounts payable.
• The policy contains a provision removing or restricting the right of the group person insured to designate
persons to whom or for whose benet insurance money is to be payable.
PLEASE READ YOUR CERTIFICATE OF INSURANCE CAREFULLY BEFORE YOU TRAVEL.
WHAT TO DO IN AN EMERGENCY?
If you have an emergency, you can call Global Excel.
Global Excel can be contacted 24 hours a day, 7 days a week by calling:
1-844-780-0501 toll-free from the US & Canada, or +819-780-0501 collect from anywhere in the world.
DEFINITIONS
Throughout this Certicate of Insurance, all italicized
terms have the specic meaning explained below.
Accidental bodily injury
– means 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.
Accommodation – means an establishment providing
commercial accommodations or in the business of operating
a vacation rental marketplace and hospitality service for the
general public.
12 10 CER ECA 0121 TCTI
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Basic Cardmember – means the person in whose name
Amex Bank of Canada has opened a Card account and does
not include a supplementary Cardmember, provided always
that the basic Cardmember’s Card account privileges have
not expired, been revoked, terminated or suspended.
Business meeting – means 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.
Card – means the valid American Express credit or charge
Card issued to you in Canada by Amex Bank of Canada
that has embedded Trip Cancellation & Trip Interruption
Insurance benets at no additional charge (please refer to
your certicate of insurance).
Cardmember – means a holder of a valid Basic or
Supplementary Card issued in Canada by Amex Bank of
Canada.
Caregiver – means the permanent, full-time person entrusted
with the well-being of your dependent(s) and whose absence
cannot reasonably be replaced.
Catastrophic event – means 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 – means 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.
Common carrier – means any land, water, or air conveyance
operated under a license for the transportation of passengers
for hire and for which a ticket has been obtained. Common
carrier does not include any conveyance that is hired or used
for a sport, gamesmanship, contest, cruise and/or recreational
activity, regardless of whether such conveyance is licensed.
Rental vehicles are not considered common carriers.
Contamination – means the poisoning of people by nuclear,
chemical and/or biological substances which causes illness
and/or death.
Departure point – means the place from which you depart
your Canadian province or territory of permanent residence on
the rst day, and return to on the last day of your intended trip.
Dependent child(ren) – means an unmarried natural,
adopted, step or foster child of the Cardmember or his or her
spouse who is, on the effective date, at least 15 days old,
dependent on the Cardmember or his or her spouse for
support and:
• is under 21 years of age;
• is a full-time student who is under 25 years of age; or
• has a permanent physical impairment or a permanent
mental disability.
Effective date – means the date and time the required premium
is paid as indicated on your Conrmation of Insurance.
Emergency – means 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 we determine
that you are medically able to return to your departure point.
Global Excel – means Global Excel Management Inc., the
company appointed by the Insurer to provide claims and
assistance services.
Government health insurance plan – means the health
insurance coverage that Canadian provincial and territorial
governments provide for their residents.
Hospital – means 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 – means 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.
Insured person – means any of the following persons:
the Cardmember, the Cardmember’s spouse, or the
Cardmember’s dependent child.
Key employee – means an employee whose continued
presence is critical to the ongoing affairs of the business
during your absence.
Medical condition – means 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 rst 31
weeks of pregnancy.
Mountain climbing – means 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.
Passenger plane – means a certied 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 certied pilot.
Period of insurance – means the period of time between
your effective date and your return date.
Physician – means 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
license) at the location where the treatment is provided. A
physician does not include a naturopath, herbalist, chiropractor
or homeopath.
Prescription drugs – means drugs and medicines that can
only be issued upon the prescription of a physician or dentist
and are dispensed by a licensed pharmacist. Prescription
drugs does not mean such drugs or medicine, when you
need (or renew) them to continue to stabilize a condition
which you had before your trip, or a chronic condition.
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Professional – means engaged in a specied activity as
your main paid occupation.
Return date – means the date on which you are scheduled
to return to your departure point. This date is shown on your
Conrmation of Insurance.
Ridesharing services – mean transportation network
companies in the business of providing peer-to-peer
ridesharing transportation services through digital networks
or other electronic means for the general public.
Spouse – means the person who is legally married to the
Cardmember, or has been living in a conjugal relationship
with the Cardmember for a continuous period of at least one
year and who resides in the same household.
Stable – means any medical condition or related condition
(including any heart condition or any lung condition) for
which there has been:
a) no new treatment, new medical management, or new
prescribed medication; and
b) no change in treatment, change in medical management,
or change in medication; and
c) no new symptom or nding, more frequent symptom or
nding, or more severe symptom or nding experienced;
and
d) no new test results or test results showing a deterioration;
and
e) no investigations or future investigations initiated or
recommended for your symptoms; and
f) no hospitalization or referral to a specialist (made or
recommended).
Supplementary Cardmember – means an authorized user
of the Card account.
Terrorism or Act of terrorism – means 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.
Travel supplier – means a travel agent, a tour operator,
a travel wholesaler, an airline, a cruise line, a provider of
ground transportation, a provider of travel accommodations
who is legally authorized and licensed to sell travel services
to the general public.
Travelling companion – means the person other than
your spouse or dependent child who is sharing travel
arrangements with you to a maximum of three persons.
Trip – means a period of travel outside your Canadian
province or territory of residence for which:
a) There is a departure point and a destination; and
b) There are predetermined and recorded beginning and
ending dates; and
c) Any portion of the prepaid travel arrangements was
charged to the Cardmember’s Card prior to your
departure.
Note: For trip cancellation coverage, only the prepaid
travel arrangements charged to the Cardmember’s Card
will be considered for reimbursement, up to the benet
maximum. Any expenses incurred using other payment
sources will not be considered. For trip interruption/trip
delay coverage, benets are payable to you as long as any
portion of the prepaid travel arrangements are charged to
the Cardmember’s Card, up to the benet maximum. This
denition is extended to include a common carrier ticket or
accommodations obtained through the redemption of points
earned under the Card reward program.
We, us and our refer to Royal & Sun Alliance Insurance
Company of Canada (the Insurer) or Global Excel, as
applicable.
You, yourself and your refer to the insured person.
WHO IS ELIGIBLE FOR THIS INSURANCE?
1. This insurance must be:
a) Purchased the same day you book your trip or prior
to any cancellation penalties being in effect;
b) Purchased prior to the date of departure from your
province or territory of residence;
c) Purchased by a Cardmember with a Card account
for a trip where any portion of the trip costs was paid
with the Card, or by redeeming points earned under
the Card reward program provided any applicable
taxes are charged to the Card.
2. You must meet the following conditions to be eligible for
this insurance:
a) You must be a Cardmember, a Cardmember’s
spouse, or a Cardmember’s dependent child;
b) You must be a Canadian resident and be covered
by the government health insurance plan of your
Canadian province or territory of residence for the
entire duration of your trip.
HOW DO YOU ENROLL AND BECOME INSURED?
The Cardmember may apply for coverage through the
Enrollment Centre by calling 1-866-587-1029 or by
applying online and charging the required premium to the
Cardmember’s Card.
If you have paid insufcient premium, the duration of coverage
will be decreased to the period that would have been provided
for the premium paid, starting on your effective date.
HOW DO YOU PAY FOR COVERAGE
OR GET A REFUND?
Premium
Coverage is valid upon payment of premium and subject to
the eligibility requirements. The required premium must be
paid before your effective date by charging your Card account.
Coverage will be null and void if your Card charges are invalid.
Refunds
Cancellation requests must be made in writing to us,
including your certicate number, found on your Conrmation
of Insurance, to 650-2665 King Ouest, Sherbrooke, QC
J1L 2G5.
The premium you paid can be refunded only if your trip is
cancelled before you depart on your trip and:
• the travel supplier cancels your trip and all penalties are
waived; or
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• the travel supplier 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.
WHAT COVERAGE IS AVAILABLE?
This insurance provides coverage in addition to the Trip
Cancellation & Trip Interruption insurance provided on your
Card, whenever any portion of the trip costs (before any
cancellation penalties have been incurred) is paid with your
Card or paid using points earned under the Card reward
program provided any applicable taxes are charged to the
Card. Note: Trips will not be covered for Trip Cancellation
or Trip Interruption, if purchased with points from a reward
program other than the Card reward program.
Coverage under this plan may be purchased for Sum Insured
Amounts which are in excess of the sum insured amount
provided under the Trip Cancellation & Trip Interruption
Insurance provided on your Card.
All Sum Insured Amounts under this coverage are applicable
for the period of insurance for all insured persons combined.
Sum Insured Amount Options from $1,000 up to a maximum
of $15,000 per period of insurance are available. The
Sum Insured Amount you select will be indicated on your
Conrmation of Insurance.
WHEN DOES COVERAGE BEGIN AND END?
Coverage begins on the effective date shown on your
Conrmation of Insurance and ends on the earliest of:
a) the return date shown on your Conrmation of Insurance,
or
b) the date you actually return to your Canadian province
or territory of residence, or,
c) the date on which the maximum sum payable by the
Insurer hereunder is reached.
CAN COVERAGE BE EXTENDED?
Coverage automatically extends as follows:
1. When you or your travelling companion are hospitalized
due to a medical emergency on your scheduled return
date, your coverage will remain in force during the period
of hospitalization and up to 5 days following discharge
from hospital.
2. Coverage is automatically extended for up to 5 days
when you must delay your scheduled return date due to
your or your travelling companion’s medical emergency.
3. Coverage is automatically extended for up to 72 hours
when the delay of a common carrier in which you are
a passenger causes your trip to extend beyond your
scheduled return date.
4. Regardless of the automatic extensions above, coverage
will not continue beyond 365 days from your latest date
of departure from your departure point.
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 the terms and conditions of the
insurance, this Certicate of Insurance will provide coverage
as follows:
a) We will, for Cancellation & Interruption claims, except
in the case of catastrophic event, reimburse you up to a
maximum of 100% of your eligible loss.
b) We will, for Cancellation & Interruption claims resulting in
a catastrophic event, and subject to the limits described
in paragraph d), reimburse you up to a maximum of 50%
of your eligible loss.
c) The benets payable in accordance with paragraphs
a) and b) 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, cruiselines and other travel suppliers and
other insurance coverage (even where such other
coverage is described as excess) and will only respond
after you have exhausted all such other sources.
d) The benets payable in accordance with paragraph
b) 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 under all insurance plans underwritten by us
shall be $5,000,000 per act of terrorism or series of acts
of terrorism occurring within a 72-hour period. The total
maximum payment out of the fund under all insurance
plans underwritten by us shall be $10,000,000 per
calendar year regardless of the number of acts of
terrorism. If, in our judgment, the total of all payable
claims under one or more acts of terrorism may exceed
the applicable fund maximum limits, your prorated claim
will be paid after the end of the calendar year.
TRIP CANCELLATION &
TRIP INTERRUPTION INSURANCE
This coverage provides benets for:
• cancelling your trip before leaving your departure point,
• transportation to your next destination,
• an early return to your departure point, or
• the delay of your trip beyond the scheduled return date.
When does the risk occur?
• Trip Cancellation – the risk occurs before your trip.
• Trip Interruption – the risk occurs during your trip.
• Trip Delay – the risk occurs during your trip and results
in your being delayed, beyond your scheduled return
date, from returning to your departure point.
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Trip Cancellation & Trip Interruption Insurance
Risk
The Sum Insured Amount purchased is
in excess of the sum insured amount
provided under the Trip Cancellation &
Trip Interruption Insurance provided on
your Card and is for all insured persons
combined
Trip Cancellation/
Prior to Departure
Up to the Sum Insured Amount per period of
insurance as shown on your Conrmation of
Insurance
Trip Interruption/
After Departure
Up to the Sum Insured Amount per period of
insurance as shown on your Conrmation of
Insurance
WHAT ARE THE RISKS INSURED?
What are you covered for? What are you eligible for?
Trip
Cancellation
Trip
Interruption
Trip
Delay
BENEFIT(S)
1. Your emergency medical condition. A
B & D, or
B & E, or
B & F
E
2.
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 caregiver.
A B & E not applicable
3.
The emergency medical condition of a member of your immediate
family (who is not at your destination), your business partner, key
employee or caregiver.
A B & E not applicable
4.
The admission to a hospital of your host at destination, following
an emergency medical condition.
A B & E not applicable
5. The emergency medical condition of your travelling companion. A
B & D, or
B & E, or B & F
E
6.
The emergency medical condition of your immediate family
member who is at your destination.
A B & E E
7. Your death. A B not applicable
8.
The death of your immediate family member or friend (who is not at
your destination), your business partner, key employee or caregiver.
A B & E not applicable
9. The death of your travelling companion. A B & E E
10.
The death of your travelling companion’s immediate family
member, business partner, key employee or caregiver.
A B & E not applicable
11.
The death of your host at destination, following an emergency
medical condition.
A B & E not applicable
12.
The death of your immediate family member or friend, who is at
your destination.
A B & E E
13.
A travel advisory issued by the Government of Canada of “Avoid
non-essential travel” or “Avoid all travel” to a specic country,
region or area originally ticketed for a period that includes your
trip, provided the advisory is issued after the later of the day you
booked your trip or the date you purchased this insurance.
A
B & E, or
B & F
not applicable
14.
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 B & E not applicable
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WHAT ARE THE BENEFITS?
Prepaid Travel Arrangements – Reimbursement to you of
the expenses you actually incur as a result of one of the
insured risks up to the sum insured for:
A. The portion of your travel arrangements purchased
before your departure date that are non-refundable and
non-transferable to another date (not applicable if trip
purchased with points from a reward program other than
the Card reward program).
B. The unused portion of your travel arrangements
purchased before your departure date that are non-
refundable and non-transferable to another travel date
(not applicable if trip purchased with points from a
reward program other than the Card reward program).
This does not include reimbursement for prepaid unused
transportation back to your departure point.
C. The unused portion of your travel arrangements
purchased before your departure date that are non-
refundable and non-transferable to another travel date
(not applicable if trip purchased with points from a reward
program other than your Card’s reward program).
Any credits provided by the airline or travel supplier for travel
on another date, are considered transferable amounts and
shall not be payable under this insurance.
Transportation – Reimbursement to you of the expenses
you actually incur as a result of one of the insured risks up to
the sum insured 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.
F. Your economy class one-way air fare via the most cost-
effective route to your next destination (inbound and
outbound).
LIMITATIONS OF COVERAGE
Any transportation benets under this insurance must be
undertaken on the earliest of:
• the date when your travel is medically possible; and
• within 10 days following your originally scheduled return
date if your delay is not the result of hospitalization; or
What are you covered for? What are you eligible for?
Trip
Cancellation
Trip
Interruption
Trip
Delay
BENEFIT(S)
15.
The involuntary loss of your or your spouse’s permanent
employment (not contract employment) due to lay-off or dismissal
without just cause.
A B & E not applicable
16.
Cancellation of your business meeting beyond your or your
employer’s control.
A B & E not applicable
17.
Your being summoned to service in the case of reservists, active
military, police, essential medical personnel and re personnel.
A B & E not applicable
18.
Delay of a private automobile resulting from the mechanical failure
of that automobile, weather conditions, earthquakes, volcanic
eruptions, a trafc 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 scheduled time of departure.
not applicable B & F E
19.
Delay of your common carrier, resulting from the mechanical failure
of that carrier, a trafc accident, an emergency police-directed
road closure, weather conditions, earthquakes or volcanic
eruptions, causing you to miss a connection or resulting in the
interruption of your travel arrangements.
not applicable B & F E
20.
Delay of your departure, resulting from the mechanical failure
of your common carrier, a trafc accident, an emergency
police-directed road closure, weather conditions, or grounding
of your air transportation, causing you to miss your scheduled
cruise or tour, and no alternative travel arrangements can be
made for you to join the cruise or tour.
N/A C N/A
21.
An event completely independent of any intentional or negligent
act that renders your principal residence uninhabitable or place of
business inoperative.
A B & E not applicable
22.
The quarantine or hijacking of you, your spouse or your dependent
child.
A B & E D
23.
You, your spouse or your dependent 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.
A B & E not applicable
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• within 30 days following your originally scheduled return
date if your delay is the result of hospitalization, when
the benet is payable because of a medical condition
covered under one of the insured risks.
• when a cause of cancellation occurs (the event or series
of events that triggers one of the insured risks listed
above) before your departure date, you must:
a) cancel your trip with the travel agent, airline, tour
company, carrier or travel authority etc. immediately,
but no later than the business day following the
cause of cancellation, and
b) advise the Insurer at the same time.
The Insurer’s 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.
WHAT ASSISTANCE SERVICES ARE
AVAILABLE?
Under this Certicate of Insurance, the following assistance
services are available to you:
Emergency Message Centre
In case of a medical emergency, Global Excel will help
exchange important messages with your immediate family,
business or physician.
PRE-EXISTING CONDITION EXCLUSION
In addition to the exclusions outlined below under “General
Exclusions,” the following exclusion applies to you.
This insurance does not cover any losses or expenses
caused directly or indirectly as a result of:
a) Your or your spouse’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 or your spouse’s medical condition
or related condition has not been stable.
b) Your or your spouse’s heart condition (whether or not
the diagnosis has been determined), if at any time in the
90 days before your effective date:
• any heart condition has not been stable; or
• you or your spouse have taken nitroglycerin more
than once per week specically for the relief of angina
pain.
c) Your or your spouse’s lung condition (whether or not the
diagnosis has been determined), if at any time in the 90
days before your effective date:
• any lung condition has not been stable; or
• you or your spouse have been treated with home
oxygen or taken oral steroids (prednisone or
prednisolone) for any lung condition.
GENERAL EXCLUSIONS
This insurance will not pay any expenses relating to or in any
way associated with:
1. Cancellation or interruption when you are aware, on
the effective date, of any reason that might reasonably
prevent you from travelling as booked.
2. Any trip purchased with points from a reward program
other than the Card reward program.
3. 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.
4. The schedule change of a medical test or surgery that
was originally scheduled before your period of insurance.
5. Routine pre-natal care.
6. If you are pregnant, your pregnancy or the birth and
delivery of your child, or any complications of either,
occurring in the nine weeks before or after your expected
delivery date as determined by your primary care
physician in your province. Note that a child born during
a trip, even if born outside of the nine weeks before or
after the expected delivery date, shall not be regarded
as an insured person and shall not have coverage under
this certicate for the entire duration of the trip in which
the child is born.
7. Participation:
a) as a professional athlete in a sporting event including
training or practice;
b) in any motorized race or motorized speed contest;
c) in scuba diving (unless you hold a basic SCUBA
designation from a certied school or other licensing
body), hang-gliding, rock climbing, paragliding,
skydiving, parachuting, bungee jumping, mountain
climbing, rodeo, heli-skiing, any downhill skiing or
snowboarding outside marked trails or any cycling
racing event or ski racing event.
8. Your commission of a criminal act or your direct or
indirect attempt to commit a criminal act.
9. Your intentional self-inicted injury, suicide or attempt to
commit suicide.
10. 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.
11. Your abuse of medication, drug or alcohol or deliberate
non-compliance with prescribed medical therapy or
treatment whether prior to or during your trip.
12. Your anxiety or panic attack or a state of mental or
emotional stress unless such state was sufciently
severe as to require a medical consultation.
13. 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 alternative
therapy is related in any way to the medical condition.
14. War (declared or not), act of foreign enemies or rebellion.
15. Any medical condition you suffer or contract, or any
loss you incur in a specic country, region or area
while a travel advisory of “Avoid non-essential travel”
or “Avoid all travel” is in effect for that specic country,
region or area and the travel advisory was issued by
the Government of Canada before your departure date,
even if the trip is undertaken for essential reasons. This
exclusion only applies to medical conditions or losses
which are related, directly or indirectly, to the reason for
which the travel advisory was issued.
If the travel advisory is issued after your departure date,
your coverage under this insurance in that specic
country, region or area will be restricted to a period of
8
10 days from the date the travel advisory was issued, or
to a period that is necessary for you to safely evacuate
the country, region or area, after which coverage will
be limited to medical conditions or losses which are
unrelated to the reason for which the travel advisory was
issued, while the travel advisory remains in effect.
16. Ionizing 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.
17. A trip cancellation, trip interruption or trip delay which
is related, directly or indirectly, to Coronavirus disease
2019 (COVID-19).
HOW DO YOU SUBMIT A CLAIM?
1. When you call Global Excel at the time of an emergency,
you are given all the information required to le a claim.
Otherwise, please refer to the instructions below.
2. This insurance does not cover fees charged for
completing a medical certicate.
3. You must le your claim with us within 90 days of your
return to your departure point.
4. If you need a Claim & Authorization form, please contact
our Claims Department at:
73 Queen Street, Sherbrooke, Quebec J1M 0C9
1-844-780-0501 or +819-780-0501
We require the fully completed Claim & Authorization form,
and where applicable:
• A medical document, fully completed by the legally
qualied physician in active personal attendance and in
the locality where the medical condition occurred stating
the reason why travel was impossible, the diagnosis and
all dates of treatment.
• Written evidence of the risk insured which was the cause
of cancellation, interruption or delay.
• Tour operator terms and conditions.
• Copy of AMEX statement or invoice showing payment of
your trip.
• Complete original unused transportation tickets and
vouchers.
• All receipts for the prepaid land arrangements.
• 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).
FAILURE TO COMPLETE THE REQUIRED CLAIM &
AUTHORIZATION FORM IN FULL WILL DELAY THE
ASSESSMENT OF YOUR CLAIM.
OTHER CLAIM INFORMATION
During the processing of a claim, the Insurer may require you
to undergo a medical examination by one or more physicians
selected by the Insurer and at the Insurer’s expense.
You agree that the Insurer and its agents have:
a) your consent to verify your health card number and
other information required to process your claim, with
the relevant government and other authorities;
b) your authorization to physicians, hospitals and other
medical providers to provide to us, and Global Excel,
any and all information they have regarding you, while
under observation or treatment, including your medical
history, diagnoses and test results; and
c) your agreement to disclose any of the information
available under a) and b) above to other sources, as
may be required for the processing of your claim for
benets obtainable from other sources.
You may not claim or receive in total more than 100% of
your total covered expenses or the actual expenses which
you incurred, and you must repay to us any amount paid or
authorized by us on your behalf if and when we determine
that the amount was not payable under the terms of your
insurance.
Limitation Periods
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 (for actions or proceedings governed
by the laws of British Columbia, Alberta and Manitoba), the
Limitations Act 2002 (for actions or proceedings governed
by the laws of Ontario), Article 2925 of the Civil Code of
Quebec (for actions or proceedings governed by the laws of
Quebec), or other applicable legislation.
GENERAL CONDITIONS
1. Any of our policies are excess insurance and are the
last payors. All other sources of recovery, indemnity
payments or insurance coverage must be exhausted
before any payments will be made under any of our
policies.
2. If you are eligible, from any other insurer, for benets
similar to the benets provided under this insurance,
the total benets paid to you by all insurers cannot
exceed the actual expense that you have incurred. We
will coordinate the payment of benets with all insurers
from whom you are eligible for benets similar to those
provided under this insurance, to a maximum of the
largest amount specied by each insurer.
3. 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 to cooperate 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 third party, you agree to hold in trust sufcient funds to
reimburse us for the amounts paid under the insurance.
4. The statements you furnish as evidence of insurability
at the time of application are material to the decision to
approve your application for insurance. Accordingly, any
information that has been misrepresented, mis-stated or
is incomplete may result in this Certicate of Insurance
and your coverage being null and void, in which case no
benets will be paid. You must submit any subsequent
changes to the information in writing before you depart
on your trip.
9
5. 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 claim is
paid. This insurance will not pay for any interest.
6. 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 concerning this insurance.
7. Throughout this document, any reference to age refers
to your age on your effective date.
8. When making a claim under this insurance, you must
provide the applicable documents we require. Failure
to provide the applicable documentation will invalidate
your claim.
9. The Insurer, Global Excel, Amex Bank of Canada and
their agents are not responsible for the availability,
quality or results of medical treatment or transportation,
or your failure to obtain medical treatment.
10. This document, including the Application for Insurance,
and the Conrmation of Insurance is the entire contract
between you and the Insurer. Despite any other provision
of this contract, this contract is subject to any applicable
federal and provincial statutes concerning contracts
of insurance.
11. On request, you or a claimant under the contract will
be provided with a copy of your application and any
evidence of your insurability provided to the Insurer. On
reasonable notice you or a claimant under the contract
will be provided with a copy of the group contract
(applicable only in those provinces where mandated
by legislation and subject to certain access limitations
permitted by applicable legislation).
12. The Insurer is required to comply with economic, nancial
and trade sanctions (“Sanctions”) imposed by Canada
and may be required to comply with Sanctions imposed
by the United States in certain circumstances. The
Insurer is a member of the RSA Group whose principal
insurance company in the United Kingdom is required to
comply with Sanctions imposed by the European Union
and the United Kingdom and the parties acknowledge
that the Insurer intends to adhere to the same standard.
Accordingly, the Insurer shall not provide any coverage
or be liable to provide any indemnity or payment or
other benet under this certicate which would breach
applicable Sanctions imposed under the laws of
Canada, the European Union, the United Kingdom, or
the United States.
IMPORTANT NOTICE ABOUT
YOUR PERSONAL INFORMATION
Royal & Sun Alliance Insurance Company of Canada
(“we”, “us”) collect, use and disclose, personal information
(including to and from your agent or broker, our afliates
and/or subsidiaries, referring organizations and/or third
party providers/suppliers) for insurance purposes, such
as administering insurance, investigating and processing
claims and providing assistance services.
Typically, we collect personal information from individuals
who apply for insurance, and from policyholders, insureds
and claimants. In some cases we also collect personal
information from and exchange personal information with
family, friends or travelling companions when a policyholder,
insured or claimant is unable, for medical or other reasons,
to communicate directly with us. We also collect and disclose
information for the insurance purposes from, to and with,
third parties such as, but not necessarily limited to, health
care practitioners and facilities in Canada and abroad,
government and private health insurers and family members
and friends of policyholders, insureds or claimants. In some
instances we may additionally maintain or communicate
or transfer information to health care and other service
providers located outside of Canada, particularly in those
jurisdictions to which an insured may travel. As a result,
personal information may be accessible to authorities in
accordance with the law of these other jurisdictions. For
more information about our privacy practices or for a copy of
our privacy policy, visit www.rsatravelinsurance.com.
AMEX
®
Travel Insurance is underwritten by Royal & Sun Alliance Insurance Company of Canada.
©2021 Royal & Sun Alliance Insurance company of Canada. All rights reserved.
®
RSA, RSA &
Design and related words and logos are trademarks and the property of RSA Insurance Group
plc, licensed for use by Royal & Sun Alliance Insurance Company of Canada.
®
Used by Amex Bank of Canada under license from American Express.
®
“Global Excel” and the Global Excel logo are registered trademarks of Global Excel
Management Inc.
