Destination Travel Group

This policy will not provide coverage, provide services or pay claims for expenses incurred directly or indirectly as a result of:
1. a) If at the time of application you are 79 years of age or younger on the date of application and Option 1 was selected at the time of application: any pre-existing medical condition unless stable in the immediately preceding 120 days to the effective date. b) If at the time of application you are 79 years of age or younger on the date of application and you selected Option 2 at the time of application: Any pre-existing medical conditions. c) If at the time of application you are 80 years of age or older on the date of application: Any pre-existing medical condition. 2. Any disease whose symptoms appeared in:
48 hours after the effective date, if you are 85 years of age or younger on the effective date; or · 15 days after the effective date, if you are 86 years of age or older on the effective date; except when this insurance is purchased: a) before the date of your arrival in Canada; or b) before the expiration date of your existing Visitors to Canada policy issued by the insurer and administered by The Destination: Travel Group Inc.; or c) before the expiration date of your existing coverage with another insurance company and there is no expiration of coverage. You must provide satisfactory proof of your prior insurance coverage.
3. Any loss incurred when diagnosed or treated, prior to the effective date, for pancreatic cancer, liver cancer, or any type of cancer that has metastasized (migrated to another organ from its original site). 4. Costs incurred due to: · Alzheimer’s disease or dementia; · Any loss resulting from your minor mental or emotional disturbance; and/or · your self-inflicted injuries, unless medical evidence establishes that the injuries are related to a mental health condition. (Minor Mental or Emotional Disturbance means
: – have anxiety or panic attacks, or; – being in an emotional state or in a stressful situation. A minor mental or emotional disorder is one in which your treatment includes only minor tranquilizers or minor anti-anxiety medications (anxiolytics) or no prescription medication at all). 5. Acts of war, kidnapping, acts of terrorism caused directly or indirectly by nuclear, chemical or biological means, riots, strikes or civil commotion, illegal visit to any country, participation in protests, participation in activities of the armed forces, participation in a commercial sexual transaction or the commission or attempted commission of any criminal offense, contravention of any law or legal regulation in the area where you, a family member or a traveling companion the loss occurred. 6. Any illness or injury when traveling for the purpose of obtaining medical advice or treatment.
7. Any loss, death or injury, if the evidence supports that you were affected by, or the medical condition was contributed in any way by: a) the abuse or chronic use of alcohol, either before or during the period of coverage; or b) the use of prohibited drugs or any other intoxicant before or during the coverage period; or c) failure to comply with prescribed treatment or medical therapy before or during the period of coverage; or d) drug misuse before or during the coverage period. 8. Any medical consultation that is not an emergency, elective or consequence of a previous elective procedure.
9. Any medical condition that has been diagnosed by a physician as terminal prior to the effective date of this policy or is traveling against the advice of a physician. 10. Any treatment, investigation or hospitalization that is a continuation or subsequent to emergency treatment of a medical condition, unless approved in advance by the Assistance Center. 11. Any treatment that can be reasonably delayed until you return to your home country (whether or not you intend to return) by the next available means of transportation, unless approved in advance by the Assistance Center.
12. Hospitalization or services rendered in connection with general health examinations for “check-up” purposes, treatment of an ongoing condition, regular care of a chronic condition, home health care, investigational testing, rehabilitation, or continuing care or treatment in connection with with drugs. , abuse of alcohol or any other substance. 13. Any rehabilitation or convalescent care. 14. Injuries resulting from training or participating in: · speed competitions habitually and habitually in excess of 60 km per hour; · Motor sports competitions; · Acrobatics, exhibitions or demonstrations of any kind; Professional sports activities (professional activity it means
You are considered a professional by the governing body of the sport and you are paid for your participation, whether you win or lose. ); or · high-risk activities. High-risk activity(s) means heli-skiing, ski jumping, skydiving, skysurfing, scuba diving (except if certified by an internationally recognized and accepted program such as NAUI or PADI, or if depth of dive does not exceed 30 meters), white rafting (except grades 1-4), street sledding, skeleton activity, mountain climbing, participation in any rodeo activity. 15. Any loss incurred as a result of pregnancy, abortion, miscarriage, childbirth or complications thereof.
16. Any illness or injury resulting from a motor vehicle accident in which you are entitled to benefits under any motor vehicle insurance policy or statutory plan. 17. Dental or cosmetic surgery, except where specified. 18. Treatment or services that contravene or are prohibited by the legislation of a provincial or territorial medical/hospital plan. 19. Naturopathic, holistic or acupuncture treatment. 20. Charges in excess of the reasonable and customary fee for the area where treatment or services are performed.
21. Any nuclear incident, regardless of cause. 22. Any loss incurred when, prior to the effective date, the Government of Canada Department of Foreign Affairs and International Trade issued a written warning to avoid all travel, or to avoid non-essential travel, to that city, region or country. . 23. Any loss incurred outside of Canada when the majority of the coverage period has not been spent in Canada. 24. Any loss incurred within your home country, other than Canada. 25. Air travel other than as a passenger on a commercial aircraft licensed to carry passengers for hire, except while transported under the terms of the Emergency Transportation or Emergency Return Home benefits.
26. Any loss that results when you are a driver, operator, co-driver, crew member, or any other passenger in a commercial motor vehicle used for the purpose of delivering goods or transporting cargo. This exclusion does not apply when the commercial vehicle is used during your trip solely for pleasure. 27. Applicable to Accidental Death and Dismemberment benefits only: Being an occupant of an aircraft, either as a passenger or crew, or while boarding or alighting from an aircraft.