Exclusions from Trip Cancellation. Insurance coverage
a) An illness or condition that was not stable at the time the insured finalized travel arrangements. Criteria used to define a stable illness or condition are specified in article 4.3.
b) Any trip taken for the purpose of obtaining medical treatment or hospital services, whether or not the trip is taken on the recommendation of a physician.
c) Any trip for purposes of visiting a person who is ill or has had an accident, and the trip cancellation or interruption is due to the person’s death or deteriorated medical condition.
d) War, whether declared or undeclared, or active participation in an insurrection, whether real or apprehended.
e) Active participation of the insured or travel companion in a criminal act or an act deemed to be criminal.
f) Pregnancy, and any related complications, within eight weeks preceding the expected date of delivery.
g) Suicide or attempted suicide by the insured or travel companion, or voluntary self-inflicted injury or self-mutilation, whether or not the person is of sound mind.
h) Voluntary abusive consumption of medication, drugs or alcohol and the resulting condition.
i) Participation in any sporting activity involving remuneration, motor vehicle competition or speed contest, gliding or hang-gliding, mountaineering, skydiving, whether in freefall or not, bungee jumping or any other dangerous activity. Activities offered to the public at tourist resorts, other than the above-mentioned activities, are not considered dangerous activities.
j) A medical condition for which the insured or travel companion has been hospitalized or has received or been prescribed medical treatment or consulted a physician within 90 days preceding the date travel expenses were incurred, except if it is proven to the satisfaction of the Insurer that the condition of the person in question was stable at the time expenses are incurred. Any change in medication, including use and dosage, is considered to be a medical treatment.
k) Any loss related to a known condition of the insured or travel companion that is subject to periods of sudden deterioration and cannot be controlled by medication or otherwise.
l) When expenses are incurred by the insured after the date a Canadian government travel advisory is issued or the risk level of an existing advisory is upgraded, recommending that travellers avoid: - any trip to a location where the insured is or will be travelling; or - any trip on a cruise ship, whether the insured is already on ...
