Summary of key conditions
Who can be insured?
A. you, provided you meet all the eligibility requirements described above; and
B. your Spouse or dependent child under age 23 provided you meet all the eligibility requirements described above.
TRAVEL INSURANCE COVERAGE
The Insurer will pay the applicable benefit amount if you suffer a Loss from an Injury while coverage is in force under the Policy,
but only if such Loss occurs within 100 days after the date of the accident which caused the Injury. In no event will the Insurer
pay for more than one Loss sustained as a result of any one accident. The benefit amount paid will be for the greatest Loss.
Common Carrier Benefit:
A benefit is payable under the Policy if you sustain an Injury as a result of an accident which occurs while riding solely as a
passenger in or boarding or alighting from a Common Carrier Conveyance or being struck by such Common Carrier Conveyance
on a Covered Trip.
Alternate Transportation Benefit:
A benefit is payable under the Policy if you sustain an Injury as a result of:
1. an accident which occurs on a Covered Trip while riding as a passenger in or boarding or alighting from any conveyance
providing alternate transportation for a Scheduled Airline flight which was delayed or rerouted, requiring the carrier which
would have operated the flight to arrange for such alternate transportation; or
2. being struck by a conveyance providing alternate transportation for a Scheduled Airline flight.
EXPOSURE AND DISAPPEARANCE
If you are unavoidably exposed to the elements because of an accident on a Covered Trip which results in the disappearance,
sinking or wrecking of a Common Carrier Conveyance, and if as a result of such exposure you suffer a Loss for which benefits
are otherwise payable under the Policy, such Loss will be covered under the Policy.
If you disappear because of an accident on a Covered Trip which results in the disappearance, sinking or wrecking of a Common
Carrier Conveyance, and if your body has not been found within 52 weeks after the date of such accident, it will be presumed,
provided there is no evidence to the contrary, that you suffered Loss of life as a result of Injury covered by the Policy.
MAXIMUM INDEMNITY
If you have multiple American Express Cards, the Insurer under the Policy will only pay the highest amount payable under one
American Express Card, as stated in “Benefit Amounts”, for any one Loss sustained by you as a result of any one accident.
What’s not covered?
EXCLUSIONS
For a detailed list of all exclusions, refer to page 27 of the Certificate of Insurance.
This insurance does not cover any Loss caused or contributed to by:
1. suicide or intentionally self-inflicted Injury by the Covered Person, or any attempt thereat;
2. war or any act of war, whether declared or undeclared; however, any act committed by an agent of any government, party or
faction engaged in war, hostilities or other warlike operations provided such agent is acting secretly and not in connection
with any operation of armed forces (whether military, naval or air forces) in the country where the Injury occurs shall not be
deemed an act of war;
3. the commission or aiding and abetting in the commission of an offense under the Criminal Code of Canada or the laws of
another country, or any attempt thereat, by or on behalf of the Covered Person or his or her beneficiaries;
4. Injury sustained while serving as an operator or crew member of any conveyance;
5. Injury received while driving, riding as a passenger in, boarding or alighting from a rental vehicle;
6. the Covered Person taking any alcohol, drug, medication, gas or poison unless taken as prescribed by a physician;
7. directly or indirectly, the actual, alleged or threatened discharge, dispersal, seepage, migration, escape, release of or
exposure to any hazardous biological, chemical, nuclear or radioactive material, gas, matter or contamination.
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