Exclusions and reduction applicable to travel insurance and assistance. In addition to the exclusions and the reduction mentioned in the health insurance plan, no amounts are paid and no assistance is given to the insured person by the Insurer or the travel assistance firm in the following cases:
a) if the claim event occurs in the province of residence of the insured person;
b) if the insured person refuses, for no valid medical reason, to follow the recommendations of the travel assistance firm regarding her repatriation, the choice of hospital or the required care; “required care” refers to the treatment needed to stabilize the insured person’s medical condition;
c) if the insured person fails to communicate with the travel assistance firm as soon as possible in the case of a medical consultation or hospitalization after an accident or a sudden illness;
d) if hospital expenses are incurred at hospital facilities for chronic illnesses, or in a chronic illness xxxx of a hospital centre, or for patients in extended care homes or spas;
e) for elective or non-emergency surgery or treatment, or if the trip is undertaken with the aim of obtaining or the intention of receiving medical treatment or hospital services, whether or not the trip was recommended by a physician;
f) for repatriation and travel assistance services, if the claim event takes place in a country at war (whether declared or not) or covered by a warning to travellers, during a riot, civil unrest, retaliations, restrictions to free movement, strike, explosion, nuclear activity, radioactivity or other force majeure events making it materially impossible for the travel assistance firm to intervene.
Exclusions and reduction applicable to travel insurance and assistance. In addition to the exclusions and the reduction mentioned in the health insurance plan, no amounts are paid and no assistance is given to the insured person by the Insurer or the travel assistance firm in the following cases:
a) if the claim event occurs in the province of residence of the insured person;
b) if the insured person refuses, for no valid medical reason, to follow the recommendations of the travel assistance firm regarding her repatriation, the choice of hospital or the required care; “required care” refers to the treatment needed to stabilize the insured person’s medical condition;
c) if the insured person fails to communicate with the travel assistance firm as soon as possible in the case of a medical consultation or hospitalization after an accident or a sudden illness;
d) if hospital expenses are incurred at hospital facilities for chronic illnesses, or in a chronic illness xxxx of a hospital centre, or for patients in extended care homes or spas;
e) for elective or non-emergency surgery or treatment, or if the trip is undertaken with the aim of obtaining or the intention of receiving medical treatment or hospital services, whether or not the trip was recommended by a physician;
f) for repatriation and travel assistance services, if the claim event takes place in a country at war (whether declared or not) or covered by a warning to travellers, during a riot, civil unrest, retaliations, restrictions to free movement, strike, explosion, nuclear activity, radioactivity or other force majeure events making it materially impossible for the travel assistance firm to intervene;
g) in the case of expenses incurred by the insured person following the date of a change in risk level of a Government of Canada advisory that travellers should avoid: - all travel to a destination where the insured person has planned to travel or is currently staying; or - all travel on board a cruise ship, whether or not the insured person is already on board the ship. If the risk level of an advisory has changed during the insured person’s trip to the destination subject to the advisory or during her cruise, the insured person must comply with the advisory within 14 days following the date of the change in risk level, failing which no expenses incurred by the insured person will be eligible. If it is impossible for the insured person to comply with the advisory, she must communicate with the travel assistance firm before the 14-day deadline. This exclusion does not appl...
