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Glossary

ACCIDENT
An unintentional, sudden, fortuitous and unforeseeable event due exclusively to an external cause of a violent nature and inflicting, directly or independently of all other causes, bodily injuries during the period of coverage.
ACCIDENTAL LOSS OF SIGHT IN ONE EYE
The total and irrecoverable loss of sight therein.
ACCIDENTAL LOSS OF USE OF ONE LIMB
The accidental loss of use of a hand or foot (i.e. the total and irrecoverable loss of use therein).
ACT OF TERRORISM
An act, including but not limited to, the use of force or violence and/or the threat thereof, including hijacking or kidnapping, of an individual or group to intimidate or terrorize any government, group, association or the general public for religious, political or ideological reasons or ends, and does not include any act of war (whether declared or not), act of foreign enemies or rebellion.
AGE
The age of the covered person at the time a policy is purchased.
AIRCRAFT
Any multi-engine, transport-type aircraft with a maximum authorized takeoff weight greater than 10,000 lbs (4,540 kg), operated between licensed airports by a scheduled or charter airline of Canadian or foreign registry holding a valid Canadian Transportation Agency scheduled air carrier licence, or a valid Canadian Transportation Agency regular specific point carrier licence, or charter air carrier licence or its foreign equivalent, provided that such aircraft is being used at the time to provide transportation authorized under the airline’s scheduled, charter or regular specific point licence.
BUSINESS MEETING
A pre-arranged, private meeting between unaffiliated companies pertaining to the full-time occupation or profession of the covered person and which is the sole purpose of the trip (documentary evidence of meeting arrangements required). In no event shall business meetings include legal proceedings.
CANASSISTANCE
The company authorized by the insurer to provide assistance services to covered persons.
CONTRACT HOLDER
The person designated as such on the insurance certificate.
COVERED PERSON
The contract holder and the person listed on the insurance certificate, depending on the coverage selected. A child born during the first 32 weeks of pregnancy over the course of a trip is automatically covered by the insurance, if the medical costs of delivery and medical care to the mother are not excluded.
DEPENDENT CHILD

A child of the contract holder, the contract holder’s spouse, or both, over 30 days old before departure, who is dependent on the contract holder, who is not married and who is under 21 years of age, or under 25 years of age and attending an educational institution full time as a duly registered student, or who is physically or mentally handicapped.

A child who is not a Canadian resident, who is at least 31 days old and is in the process of being adopted by a Canadian resident is considered a dependent child upon completion of all required documents and once the appropriate authorities in the adoptee’s country of origin definitively and irrevocably release the child into the physical, visual and exclusive care of the adoptive parents or the person who will accompany the child until arrival in Canada. A child who is in the process of being adopted does not have to be covered by a government health and hospitalization program of a Canadian province or territory.

In a single-parent or family plan, any child of the contract holder or the contract holder’s spouse who is born after the effective date of the contract is automatically insured as soon as the child meets the criteria of the definition of a dependent child, subject to the payment of a supplementary premium, as the case may be.

EFFECTIVE DATE
The date indicated on the insurance certificate.
EXPIRY DATE
The date indicated on the insurance certificate.
HOSPITAL
A place licensed as an accredited hospital and offering care and treatment to residents as in-patients or out-patients, having a registered graduate nurse (RN) always on duty, a laboratory and an operating room where surgical operations are performed by a legally qualified surgeon. In no event shall the term “hospital” mean any hospital or institution, or part of such licensed hospital or institution, that is used primarily as a clinic, continued or extended care facility, convalescent home, rest home, health spa or treatment centre for drug addicts or alcoholics.
HOSPITALIZATION
Admission to a hospital to receive short-term care as a bedridden patient for a minimum of 18 hours. Covered short-term care comprises preventative care, medical diagnosis and medical treatment (including surgery) for an acute illness and does not include convalescent care or physical or mental rehabilitation. In the case of a day surgery, the hospital stay is equivalent to 18 hours of hospitalization.
ILLNESS
A deterioration in health or an organism disorder certified by a physician. However, in the case of trip cancellation, this deterioration or disorder must be serious enough to prevent the covered person from continuing the trip as planned. Pregnancy is not considered to be an illness, except in the case of pathological complications arising within the first 32 weeks.
INSURER
In Quebec and Ontario: Canassurance Hospital Service Association (non-profit mutual benefit association) for the emergency medical care benefit and the medical follow-up in Canada benefit; Canassurance Insurance Company for all other benefits. Elsewhere in Canada: Canassurance Insurance Company.
MEMBER OF THE FAMILY OF THE COVERED PERSON
Spouse, father, mother, grandparent, grandchild, step-parent, child or stepchild (not necessarily dependent) of the covered person and/or the person’s spouse, brother, sister, stepbrother, stepsister, brother-in-law, sister-in-law, daughter-in-law, son-in-law, aunt, uncle, niece or nephew.
MEMBER OF THE IMMEDIATE FAMILY OF THE COVERED PERSON
Spouse, father, mother and child(ren) (not necessarily dependent) of the covered person, the person’s spouse, or both.
MINOR AILMENT
An illness, injury or condition related to a medical condition which ends at least 30 days before the effective date of coverage and does not require the use of medication for a period longer than 15 days; or more than one follow-up visit to a physician; a hospitalization; a surgical intervention; or a consultation with a medical specialist. A chronic medical condition or the complication of a chronic medical condition is not a minor ailment.
PERIOD OF COVERAGE
The time between the effective date of the contract and the expiry date indicated on the insurance certificate.
PHYSICIAN
A person who is not related in any way to the covered person and who is legally authorized to practise medicine on the premises where the medical services are provided.
PREPAYMENT
The deposit of a sum of money which is non-refundable.
PUBLIC TRANSPORTATION
Refers to any common carrier (on land or sea, or in air) that is operated by a carrier holding a licence issued by the public authorities competent to do so and providing transportation for fare-paying passengers.
SPOUSE
The person united to the contract holder by marriage or a person who has been living permanently with the contract holder for over one year. Following a separation of more than three months or the dissolution of the marriage by divorce or annulment, this person will lose the status as spouse.
SUDDEN ILLNESS
A quick and unforeseen illness for which the initial symptoms (certified or not by a physician) appear during the trip.
TERMINAL STAGE
The period when a cure for an illness is no longer possible or when the illness resists any curative treatment, and death is bound to happen within a more or less short delay.
TRAVELLING
Occasional absence from the covered person's residence for the purpose of a vacation, leisure or business. The covered person must travel outside the province of residence or have at least a one-night stay in a commercial accommodation establishment. An annual insurance plan covers only trips made outside the province of residence.
TRAVELLING COMPANION
The person who plans, leaves and returns with the covered person on the same trip, to a maximum of six persons. A member of the immediate family of the covered person is considered a travelling companion, but is not included in the six-person maximum.
TRAVEL SUPPLIER
Any tour operator, wholesale group transportation, airline, cruise company or accommodation facility. If two or more travel suppliers are wholly owned subsidiaries of one person or corporation, they are deemed for the purpose of this clause to be one travel supplier.