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MedipacPLUS Endorsement (If purchased)
If purchased, this Endorsement forms part of Your policy and is subject to ALL of the terms and conditions of Your Medipac Travel Emergency Medical Insurance Policy.
CLAIM FORGIVENESS
If You are entitled to a Medipac Claim Free Discount for Your next policy purchase, and You add this Endorsement, the claim that causes You to exceed Your deductible is forgiven and not considered a claim for the purpose of calculating Your Medipac Claim Free Discount. However, any subsequent claims will not be forgiven for this purpose.
RETURN TO CANADA BENEFIT
The Return to Canada Benefit covers the cost of a return economy class airfare to a maximum of $2,000 to fly You from Your vacation destination to Your Home and back to Your vacation destination. 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 Period of Coverage is not eligible for reimbursement.
Definitions
"Home" means Your Canadian province or territory of residence.
"Immediate Family" means Spouse, Mother, Father, Son, Daughter, Son-in-law or Daughter-in-law.
"Principal Residence" means the dwelling located at the Canadian address indicated in Your application for the Medipac 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 the Effective Date of Insurance or 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 Your scheduled return date.
POLICY MAXIMUM
Policy Page 8 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 Your Medipac 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 the Period of Coverage as defined on page 1 of Medipac Travel Emergency Medical Insurance policy.
EXCLUSION FOR ACCIDENTAL DEATH BENEFIT
The Company will not pay any claim under the Accidental Death Benefit resulting directly or indirectly from:
1. Training, serving or taking part in any capacity in armed forces (land, sea or air) or their operations in any country or international authority.
2. While serving as a pilot or crew member of any aircraft or while as a passenger in an aircraft which is being used for a purpose other than transportation.
3. While making a parachute jump for any purposes other than to save Your life.
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 the necessary claim forms as well as instructions covering other requirements that may aid in a 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.
