Coverage Period and Benefits Coverage Eligibility. This travel insurance plan is provided to BMO Mastercard cardholders automatically when the entire cost of the Passenger Fare(s) is charged to Your Mastercard Account while the insurance is effective. It is not necessary for You to notify the administrator or Us when tickets are purchased. Loss means, with respect to a hand, complete severance throughout or above the knuckle joints of at least four fingers on the same hand; with respect to a foot, complete severance through or above the ankle joint. We will consider it a loss of hand or foot even if they are later reattached. Insured Person As a BMO Mastercard Cardholder, You, Your Spouse and Your Dependent Child(ren) will be automatically insured against accidental loss of life, limb, sight, speech or hearing while riding as a passenger in, entering or exiting any licensed Common Carrier, provided the Passenger Fare is charged to Your Mastercard Account. If the Passenger Fare has been charged to Your Mastercard Account prior to departure for the airport, terminal or station, coverage is also provided for Common Carrier travel (including taxi, bus, train or airport limousine, but not including courtesy transportation provided without a specific charge), immediately, a) preceding Your departure, directly to the airport, terminal or station
