Accident or Accidental means a fortuitous, sudden, unforeseen and unintentional event exclusively attributable to an external cause resulting in bodily injury.

Actual Cash Value means the estimated value at the time of loss.

Child(ren) means an unmarried child of the insured person or his spouse who is at the date of purchase, dependant on you for support and is:
    a. under 21 years of age;
    b. a full-time student who is under 26 years of age;
    c. of any age with a permanent physical impairment or a permanent mental deficiency.

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

Contracted, in reference to a destination, a date or the time and place of arrival or departure, means that which is indicated in the travel documents for the covered trip.

Covered Trip means the travel arrangements which you have contracted and paid in advance of departure and for which an insurance premium has been paid in full to cover the total non-refundable amount of such travel arrangements.

Day means 24 consecutive hours.

Emergency means that you require immediate medical treatment for the relief of acute pain or suffering resulting from an unexpected and unforeseen sickness or injury occurring while on a covered trip and that such medical treatment cannot be delayed until your return to your province, territory of residence, Canada or for travel within your province or territory of residence, your usual place of residence.

Extreme Sports means an unpaid activity which has a high level of inherent danger or difficulty and which involves speed, height, a high level of physical exertion, and/or highly specialized equipment.

Global Excel means the company appointed by the Insurer to provide medical assistance and claims services.

Hospital means an institution which is designated as a hospital by law; which is continuously staffed by one or more physicians at all times; which continuously provides nursing services by graduate registered nurses; which is primarily engaged in providing diagnostic services and medical and surgical treatment of a sickness or injury in the acute phase, or active treatment of chronic conditions; which has facilities for diagnosis, major surgery and in-patient care. The term hospital does not include convalescent, nursing, rest or skilled nursing facilities, whether separate from or part of a regular general hospital, or a facility operated exclusively for the treatment of persons who are mentally ill, aged, drug or alcohol abusers.

Hospitalized or Hospitalization means an insured who occupies a hospital bed for more than 24 hours for medical treatment and for which admission was recommended by a physician when medically necessary.

Immediate Family Member means your mother, father, sibling, child, spouse, grandparent, aunt, uncle, niece, nephew, mother-in- law, father-inlaw, daughter-in-law, son-in-law, brother-in-law and sister-in-law.

In-Flight Accidental Death means death caused by accidental damage to the aircraft in which you were travelling at the time of the accident.

Injury means an unexpected and unforeseen harm to the body caused by an accident, occurring while on a covered trip and requiring immediate emergency treatment that is covered by this policy.

Insured, Insured Person, You, Your and Yourself refers to any eligible person who is named on the confirmation of insurance.

Loss of Limb means the actual, complete severance at or above the wrist or ankle joint.

Loss of Sight means the complete and irrecoverable loss of eyesight, which loss cannot be substantially corrected or remedied through simple treatment or corrective lenses.

Medical Treatment means any reasonable procedure which is medical, therapeutic or diagnostic in nature, which is medically necessary and which is prescribed by a physician. Medical Treatment includes hospitalization, basic investigative testing, surgery, prescription medication (including prescribed as needed) or other treatment directly related to the sickness, injury or symptom.

Medically Necessary, in reference to a given service or supply, means such service or supply:
    a. is appropriate and consistent with the diagnosis according to accepted community standards of medical practice;
    b. is not experimental or investigative in nature;
    c. cannot be omitted without adversely affecting your condition or quality of medical care; and
    d. cannot be delayed until your return to your province, territory of residence, Canada or for travel within your province or territory of residence, your usual place of residence.

Minor Ailment means any sickness or injury which does not require the use of medication for a period greater than 15 days, more than one followup visit to a physician, hospitalization, surgical intervention, or referral to a specialist, and which ends at least 30 consecutive days prior to the departure date. However, a chronic condition or any complication of a chronic condition is not considered a minor ailment.

Permanent Total Disability means the inability, at any time in the future, to be enrolled in school taking a minimum of three concurrent courses, or to perform the duties of any occupation for wages or profit.

Physician means a medical practitioner whose legal and professional standing within his jurisdiction is equivalent to that of a doctor of medicine (M.D.) licensed in Canada, who is duly licensed in the jurisdiction in which he practices, who prescribes drugs and/or performs surgery and who gives medical care within the scope of his licensed authority. A physician must be a person other than yourself or an immediate family member.

Reasonable and Customary Costs means costs that are incurred for approved, eligible medical services or supplies that do not exceed the standard fee of other providers of similar standing in the same geographical area, for the same medical treatment of a similar sickness or injury.

Sickness means a disease or disorder of the body which results in loss while this coverage is in effect. The sickness must be sufficiently serious to prompt a reasonably prudent person to consult a physician for the purpose of medical treatment.

Spouse means the person to whom you are legally married or with whom you have been residing for at least the last 12 months.

Stable means any medical condition (other than a minor ailment) for which all the following statements are true:
    a. there has been no new diagnosis, treatment or prescribed medication;
    b. there has been no change in treatment or change in medication, including the amount of medication to be taken, how often it is taken, the type of medication or change in treatment frequency or type. Exceptions: the routine adjustment of Coumadin, Warfarin, insulin or oral medication to control diabetes (as long as they are not newly prescribed or stopped) and a change from a brand name medication to a generic brand medication (insofar as the dosage is not modified);
    c. there has been no new symptom, more frequent symptom or more severe symptom;
    d. there have been no test results showing deterioration;
    e. there has been no hospitalization or referral to a specialist (made or recommended) and you are not awaiting results and/or further investigations for that medical condition.

Sum Insured means the maximum sum payable that you selected at the time of purchase and paid the premium for, or that applies to a given insurance coverage.

Travel Companion means a person who is sharing travel arrangements with you from your point of departure on the covered trip, including accommodation and transportation, and who has paid such accommodation or transportation in advance of departure. A maximum of three persons will be considered your travel companions.

Travel Visa means the visa required for your entrance to a foreign country (not an immigration, employment or student visa).

Treated means that you have been hospitalized, have been prescribed (including prescribed as needed), have taken or are currently taking medication, or have undergone a medical or surgical procedure.

Vehicle means any automobile, station wagon, mini-van, sports utility vehicle (for on road use), motorcycle, boat, pick-up truck or a mobile home, camper truck or trailer home under 36 feet in length, used exclusively for the transportation of passengers other than for hire, in which you are a passenger or driver during your trip.