POLICY MAXIMUM

Policy Page 10 under “IS THERE ANYTHING ELSE I NEED TO KNOW?” Point A. has been modified as follows: A. This policy will reimburse You for Covered Expenses up to a maximum of $5,000,000 U.S. per Insured.

ACCIDENTAL DEATH BENEFIT

Insured Risk
You are covered for $5,000 if You die as a result of an accident which occurred while You are outside Your province of residence and while Medipac’s Legion Annual Plan Travel Emergency Medical Insurance Policy is in force.

This benefit is payable to Your estate for the loss of Your life resulting within 12 months from the date of the accident described as an insured risk.

This benefit will begin on Your Effective Date of Insurance and will remain in effect during Your period of coverage.

Exclusion
The Company will not pay any claim under the Accidental Death Benefit resulting directly or indirectly from training, serving or taking part in any capacity in armed forces (land, sea or air) or their operations in any country or international authority.

Claims Procedures
To make a claim under this benefit, written notice of the accident must be given to the Company within 30 days of the date of the accident and written proof must be submitted within 90 days of the date of the accident. The Company provides necessary claim forms as well as instructions covering other requirements that may aid in the prompt handling of the claim.

If the Company does not receive the required notice and proof of loss, the claim may not be considered after the 90 day period has expired, unless there is a good reason for the delay. In no event is a claim considered after one year from the date of the accident if the Company was not notified and the necessary forms not completed and submitted to the Company.

RETURN TO CANADA BENEFIT

The Return to Canada Benefit will reimburse the lesser of the cost of a return economy class airfare to fly You from Your vacation destination back to (a) Your home province; OR (b) the residence of the deceased; AND fly You back to Your vacation destination to a limit of $1,500 per Insured per Trip to an overall policy maximum of $5,000.

This benefit is payable in the event a member of Your Immediate Family, who is not travelling with You, dies after You leave Home; or a natural disaster causes Your Principal Residence to become uninhabitable after You leave Home (provided Your home insurance policy pays for the damage in part or in full).

Any flight outside Your Trip is not eligible for reimbursement.

Definitions
“Home” means Your Canadian province or territory of residence.

“Immediate family” means Spouse, Mother, Father, Mother-in-law, Father-in-law, Son, Daughter, Son-in-law, Daughter-in-law or Grandchildren.

“Principal residence” means the dwelling located at the Canadian address indicated in Your application for Medipac’s Legion Annual Plan Travel Emergency Medical Insurance Policy under which this Endorsement was purchased.

Exclusion for return to Canada Benefit

No benefits are payable if:

1. The deceased Immediate Family member was Hospitalized within 90 days prior to Your Trip Start Date.
2. At the time You applied for coverage, a reasonable person would have expected that an event payable under the Return to Canada benefit would occur prior to the date You are scheduled to return Home within Your period of coverage.
   

RETURN OF PET BENEFIT

The Return of Pet Benefit reimburses the cost of returning Your domestic Cat or Dog to Your home province if the Company requires that You return to Canada for immediate Medical Treatment. This benefit is payable up to a maximum of $350. This benefit must be approved in advance by Medipac Assist.

BAGGAGE BENEFIT

This benefit reimburses You the loss of, or delay of the baggage and effects that belong to You and that You use during Your Trip. This insurance provides You with reimbursement for the following expenses:

1. purchases of essential necessities when Your baggage is lost for a period of greater than 36 consecutive hours to a maximum of $250; and/or
2. Your permanently lost baggage to a maximum of an additional $250 in excess of any other insurance that You may have.
   

Exclusion
This benefit will not reimburse You for any losses or delays relating to: electronic devices, money, tickets, securities, legal documents, or items that are fragile.

Claims Procedures
If you need to make a claim under this insurance, we will need: (a) copies of reports from the authorities as proof of loss, or delay; and (b) proof that You owned the articles, and receipts for their replacement.

AUTOMOBILE MECHANICAL BREAKDOWN BENEFIT

Reimburses You up to a maximum of $350 per Trip in the event You and Your private vehicle are stranded outside Your province or territory of residence so that You may continue on Your Trip. This benefit includes:

1. the cost of towing Your private vehicle to the nearest service station, tire changing service, battery boost and extrication; and/or
2. the services of a professional locksmith to unlock Your private vehicle if Your keys have been lost; and/or
3. the cost of delivering fuel to Your private vehicle if it is unable to operate because it no longer has sufficient fuel.
   

This benefit excludes the cost of materials to replace or repair a tire or battery and the cost of fuel.