Common use of Baggage coverage Clause in Contracts

Baggage coverage. You are only insured under Baggage coverage for the number of days indicated in the table of coverage. If the duration of your trip exceeds this number of days and you want to be covered under this insurance for the entire duration of your trip, you must obtain extended coverage from the Insurer. This coverage provides for compensation in the following cases: a) your baggage or personal effects are damaged or lost by the common carrier or are stolen; b) return of your baggage or personal effects is delayed for more than 6 hours because they were not routed as planned. This baggage must, however, have been checked with a common carrier. The compensation provided under this coverage cannot exceed the amount of insurance indicated in the table of coverage. In case of theft or damage, compensation cannot exceed the following amounts: a) $500 per item; b) $500 for each of the following groups of items: • jewellery, watches, or articles made of silver, gold or platinum; • cameras, photo equipment, and related accessories; • cell phones and related accessories; • laptop computers, tablets and related accessories; • video or audio recorders and related accessories. In case of theft, compensation cannot exceed $250 for all the following expenses combined: replacement of a passport, driver’s licence, birth certificate or visa. In case of delay in recovering your personal effects, the maximum amount reimbursed for toiletries and essential clothing is $500. This amount is reimbursed only if the insured purchases the essential items before the baggage is recovered and before returning to the point of departure in their province of residence. Furthermore, the compensation paid for delayed baggage will be deducted from the total amount of insurance if a loss is subsequently ascertained. The Insurer reserves the right to elect to repair or replace damaged or stolen property by items similar in nature and quality. Furthermore, the Insurer is liable only for the actual value of the property at the time the covered loss or damage occurred. If an illness or accident occurs outside your province of residence, you MUST contact the Assistance Service for prior approval BEFORE going to a healthcare facility. If you fail to call the Assistance Service in advance or to follow their instructions, you will have to pay a portion of your expenses. (See also exclusion number 12.) This portion equals 30% of the first $10,000 of expenses incurred that would otherwise be eligible for reimbursement. If you are unable to do so, a person accompanying you must contact the Assistance Service on your behalf within 24 hours of the illness or accident. The following tables apply to Emergency Health Care and Trip Cancellation coverage. To find out whether the limitations for pre-existing medical conditions or injuries apply to you, answer the questions in the table that corresponds to your age (below).1 Consequently, these limitations exclude from coverage any pre-existing medical conditions or injuries that were not stable* during the period indicated in the table, even if: a) the Insurer agreed to insure you; and b) the medical condition or injury was reported to the Insurer in the insurability questionnaire.2 Notes: 1 If you have more than one pre-existing medical condition or injury (other than a minor ailment), the questions must be answered for each one individually.

Baggage coverage. You are only insured under Baggage coverage for the number of days indicated in the table of coverage. If the duration of your trip exceeds this number of days and days, you want to will not be covered under this insurance for the entire duration of your trip, you must obtain extended coverage from the Insurerexceeding days. This coverage provides for compensation in the following cases: a) your baggage or personal effects are damaged or lost by the common carrier or are stolen; b) return of your baggage or personal effects is delayed for more than 6 hours because they were not routed as planned. This baggage must, however, have been checked with a common carrier. The compensation provided under this coverage cannot exceed the amount of insurance indicated in the table of coverage. In case of theft or damage, compensation cannot exceed the following amounts: a) $500 per item; b) $500 for each of the following groups of items: • jewellery, watches, or articles made of silver, gold or platinum; • cameras, photo equipment, and related accessories; • cell phones and related accessories; • laptop computers, tablets and related accessories; • video or audio recorders and related accessories. In case of theft, compensation cannot exceed $250 for all the following expenses combined: replacement of a passport, driver’s licence, birth certificate certifcate or visa. In case of delay in recovering your personal effects, the maximum amount reimbursed for toiletries and essential clothing is $500. This amount is reimbursed only if the insured purchases the essential items before the baggage is recovered and before returning to the point of departure in their province of residence. Furthermore, the compensation paid for delayed baggage will be deducted from the total amount of insurance if a loss is subsequently ascertained. The Insurer reserves the right to elect to repair or replace damaged or stolen property by items similar in nature and quality. Furthermore, the Insurer is liable only for the actual value of the property at the time the covered loss or damage occurred. If an illness or accident occurs outside your province of residence, you MUST contact the Assistance Service for prior approval BEFORE going to a healthcare facility. If you fail to call the Assistance Service in advance or to follow their instructions, you will have to pay a portion of your expenses. (See also exclusion number 12.) This portion equals 30% of the first $10,000 of expenses incurred that would otherwise be eligible for reimbursement. If you are unable to do so, a person accompanying you must contact the Assistance Service on your behalf within 24 hours of the illness or accident. The following tables apply to Emergency Health Care and Trip Cancellation coveragecoverage only. To find fnd out whether the limitations for pre-existing medical conditions or injuries apply to you, answer the questions in the table that corresponds to your age (below).1 Consequently, these limitations exclude from coverage any pre-existing medical conditions or injuries that were not stable* during the period indicated in the table, even if: a) the Insurer agreed to insure you; and b) the medical condition or injury was reported to the Insurer in the insurability questionnaire.2 Notes: 1 If you have more than one pre-existing medical condition or injury (other than a minor ailment), the questions must be answered for each one individually.

Baggage coverage. You are only insured under Baggage coverage for the number of days indicated in the table of coverage. If the duration of your trip exceeds this number of days and days, you want to will not be covered under this insurance for the entire duration of your trip, you must obtain extended coverage from the Insurerexceeding days. This coverage provides for compensation in the following cases: a) your baggage or personal effects are damaged or lost by the common carrier or are stolen; b) return of your baggage or personal effects is delayed for more than 6 hours because they were not routed as planned. This baggage must, however, have been checked with a common carrier. The compensation provided under this coverage cannot exceed the amount of insurance indicated in the table of coverage. In case of theft or damage, compensation cannot exceed the following amounts: a) $500 per item; b) $500 for each of the following groups of items: • jewellery, watches, or articles made of silver, gold or platinum; • cameras, photo equipment, and related accessories; • cell phones and related accessories; • laptop computers, tablets and related accessories; • video or audio recorders and related accessories. In case of theft, compensation cannot exceed $250 for all the following expenses combined: replacement of a passport, driver’s licence, birth certificate or visa. In case of delay in recovering your personal effects, the maximum amount reimbursed for toiletries and essential clothing is $500. This amount is reimbursed only if the insured purchases the essential items before the baggage is recovered and before returning to the point of departure in their province of residence. Furthermore, the compensation paid for delayed baggage will be deducted from the total amount of insurance if a loss is subsequently ascertained. The Insurer reserves the right to elect to repair or replace damaged or stolen property by items similar in nature and quality. Furthermore, the Insurer is liable only for the actual value of the property at the time the covered loss or damage occurred. If an illness or accident occurs outside your province of residence, you MUST contact the Assistance Service for prior approval BEFORE going to a healthcare facility. If you fail to call the Assistance Service in advance or to follow their instructions, you will have to pay a portion of your expenses. (See also exclusion number 12.) This portion equals 30% of the first $10,000 of expenses incurred that would otherwise be eligible for reimbursement. If you are unable to do so, a person accompanying you must contact the Assistance Service on your behalf within 24 hours of the illness or accident. The following tables apply to Emergency Health Care and Trip Cancellation coveragecoverage only. To find out whether the limitations for pre-existing medical conditions or injuries apply to you, answer the questions in the table that corresponds to your age (below).1 Consequently, these limitations exclude from coverage any pre-existing medical conditions or injuries that were not stable* during the period indicated in the table, even if: a) the Insurer agreed to insure you; and b) the medical condition or injury was reported to the Insurer in the insurability questionnaire.2 Notes: 1 If you have more than one pre-existing medical condition or injury (other than a minor ailment), the questions must be answered for each one individually.

Baggage coverage. You are only insured under Baggage coverage for the number of days indicated in the table of coverage. If the duration of your trip exceeds this number of days and days, you want to will not be covered under this insurance for the entire duration of your trip, you must obtain extended coverage from the Insurerexceeding days. This coverage provides for compensation in the following cases: a) your baggage or personal effects are damaged or lost by the common carrier or are stolen; b) return of your baggage or personal effects is delayed for more than 6 hours because they were not routed as planned. This baggage must, however, have been checked with a common carrier. The compensation provided under this coverage cannot exceed the amount of insurance indicated in the table of coverage. In case of theft or damage, compensation cannot exceed the following amounts: a) $500 per item; b) $500 for each of the following groups of items: • jewellery, watches, or articles made of silver, gold or platinum; • cameras, photo equipment, and related accessories; • cell phones and related accessories; • laptop computers, tablets and related accessories; • video or audio recorders and related accessories. In case of theft, compensation cannot exceed $250 for all the following expenses combined: replacement of a passport, driver’s licence, birth certificate or visa. In case of delay in recovering your personal effects, the maximum amount reimbursed for toiletries and essential clothing is $500. This amount is reimbursed only if the insured purchases the essential items before the baggage is recovered and before returning to the point of departure in their province of residence. Furthermore, the compensation paid for delayed baggage will be deducted from the total amount of insurance if a loss is subsequently ascertained. The Insurer reserves the right to elect to repair or replace damaged or stolen property by items similar in nature and quality. Furthermore, the Insurer is liable only for the actual value of the property at the time the covered loss or damage occurred. If an illness or The total amount payable by the Insurer as a result of the same accident occurs outside your province of residence, you MUST contact the Assistance Service is limited to C$10 million for prior approval BEFORE going to a healthcare facilityall insureds under similar policies. If you fail the total amount of claims submitted exceeds this limit, the total amount payable by the Insurer will be limited to call the Assistance Service in advance or to follow their instructions, you will have to pay a portion of your expenses. (See also exclusion number 12.) This portion equals 30% of the first $10,000 of expenses incurred that would otherwise be eligible for reimbursement. If you are unable to do so, a person accompanying you must contact the Assistance Service on your behalf within 24 hours of the illness or accidentC$10 million. The following tables apply benefits payable to Emergency Health Care and Trip Cancellation coverage. To find out whether the limitations for pre-existing medical conditions or injuries apply to you, answer the questions in the table that corresponds to your age (below).1 Consequently, these limitations exclude from coverage any pre-existing medical conditions or injuries that were not stable* during the period indicated in the table, even if: a) the Insurer agreed to insure you; and b) the medical condition or injury was reported to the Insurer in the insurability questionnaire.2 Notes: 1 If you have more than one pre-existing medical condition or injury (other than a minor ailment), the questions must each insured will be answered for each one individuallyreduced accordingly.

Baggage coverage. You are only insured under Baggage coverage for the number of days indicated in the table of coverage. If the duration of your trip exceeds this number of days and you want to be covered under this insurance for the entire duration of your trip, you must obtain extended coverage from the Insurer. This coverage provides for compensation in the following cases: a) your baggage or personal effects are damaged or lost by the common carrier or are stolen; b) return of your baggage or personal effects is delayed for more than 6 hours because they were not routed as planned. This baggage must, however, have been checked with a common carrier. The compensation provided under this coverage cannot exceed the amount of insurance indicated in the table of coverage. In case of theft or damage, compensation cannot exceed the following amounts: a) $500 per item; b) $500 for each of the following groups of items: • jewellery, watches, or articles made of silver, gold or platinum; • cameras, photo equipment, and related accessories; • cell phones and related accessories; • laptop computers, tablets and related accessories; • video or audio recorders and related accessories. In case of theft, compensation cannot exceed $250 for all the following expenses combined: replacement of a passport, driver’s licence, birth certificate certifcate or visa. In case of delay in recovering your personal effects, the maximum amount reimbursed for toiletries and essential clothing is $500. This amount is reimbursed only if the insured purchases the essential items before the baggage is recovered and before returning to the point of departure in their province of residence. Furthermore, the compensation paid for delayed baggage will be deducted from the total amount of insurance if a loss is subsequently ascertained. The Insurer reserves the right to elect to repair or replace damaged or stolen property by items similar in nature and quality. Furthermore, the Insurer is liable only for the actual value of the property at the time the covered loss or damage occurred. If an illness or accident occurs outside your province of residence, you MUST contact the Assistance Service for prior approval BEFORE going to a healthcare facility. If you fail to call the Assistance Service in advance or to follow their instructions, you will have to pay a portion of your expenses. (See also exclusion number 12.) This portion equals 30% of the first frst $10,000 of expenses incurred that would otherwise be eligible for reimbursement. If you are unable to do so, a person accompanying you must contact the Assistance Service on your behalf within 24 hours of the illness or accident. The following tables apply to Emergency Health Care and Trip Cancellation coverage. To find fnd out whether the limitations for pre-existing medical conditions or injuries apply to you, answer the questions in the table that corresponds to your age (below).1 Consequently, these limitations exclude from coverage any pre-existing medical conditions or injuries that were not stable* during the period indicated in the table, even if: a) the Insurer agreed to insure you; and b) the medical condition or injury was reported to the Insurer in the insurability questionnaire.2 Notes: 1 If you have more than one pre-existing medical condition or injury (other than a minor ailment), the questions must be answered for each one individually.

Baggage coverage. You are only insured under Baggage coverage for the number of days indicated in the table of coverage. If the duration of your trip exceeds this number of days and days, you want to will not be covered under this insurance for the entire duration of your trip, you must obtain extended coverage from the Insurerexceeding days. This coverage provides for compensation in the following cases: a) your baggage or personal effects are damaged or lost by the common carrier or are stolen; b) return of your baggage or personal effects is delayed for more than 6 hours because they were not routed as planned. This baggage must, however, have been checked with a common carrier. The compensation provided under this coverage cannot exceed the amount of insurance indicated in the table of coverage. In case of theft or damage, compensation cannot exceed the following amounts: a) $500 per item; b) $500 for each of the following groups of items: • jewellery, watches, or articles made of silver, gold or platinum; • cameras, photo equipment, and related accessories; • cell phones and related accessories; • laptop computers, tablets and related accessories; • video or audio recorders and related accessories. In case of theft, compensation cannot exceed $250 for all the following expenses combined: replacement of a passport, driver’s licence, birth certificate or visa. In case of delay in recovering your personal effects, the maximum amount reimbursed for toiletries and essential clothing is $500. This amount is reimbursed only if the insured purchases the essential items before the baggage is recovered and before returning to the point of departure in their province of residence. Furthermore, the compensation paid for delayed baggage will be deducted from the total amount of insurance if a loss is subsequently ascertained. The Insurer reserves the right to elect to repair or replace damaged or stolen property by items similar in nature and quality. Furthermore, the Insurer is liable only for the actual value of the property at the time the covered loss or damage occurred. If an illness or accident occurs outside your province of residence, you MUST contact the Assistance Service for prior approval BEFORE going to a healthcare facility. If you fail to call the Assistance Service in advance or to follow their instructions, you will have to pay a portion of your expenses. (See also exclusion number 12.) This portion equals 30% of the first $10,000 of expenses incurred that would otherwise be eligible for reimbursement. If you are unable to do so, a person accompanying you must contact the Assistance Service on your behalf within 24 hours of the illness or accident. Important‌ The following tables apply to Emergency Health Care and Trip Cancellation coveragecoverage only. To find out whether the limitations for pre-existing medical conditions or injuries apply to you, answer the questions in the table that corresponds to your age (below).1 Consequently, these limitations exclude from coverage any pre-existing medical conditions or injuries that were not stable* during the period indicated in the table, even if: a) the Insurer agreed to insure you; and b) the medical condition or injury was reported to the Insurer in the insurability questionnaire.2 Notes: 1 If you have more than one pre-existing medical condition or injury (other than a minor ailment), the questions must be answered for each one individually.