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• upon the advice of a physician cannot be delayed until you return to your
departure point, and has to be received during your trip because your
medical condition prevents you from returning to your departure point.
The emergency services must be ordered by or received from a physician, or
received in a hospital during your trip, or received from a licensed physiotherapist,
chiropractor, chiropodist, podiatrist or osteopath, as a result of an emergency that
occurs during your trip.
Government health insurance plan - the health insurance coverage that Canadian
provincial and territorial governments provide for their residents.
Hospital - an establishment that is licensed as an accredited hospital, is operated
for the care and treatment of in-patients, has a Registered Nurse always on duty,
and has a laboratory and an operating room on the premises or in facilities
controlled by the establishment. Hospital does not mean any establishment used
mainly as a clinic, extended or palliative care facility, rehabilitation facility,
addiction treatment centre, convalescent, rest or nursing home, home for the aged
or health spa.
Insured person - means any of the following persons who are under 65 years of
age on the effective date and who have a valid government health insurance plan:
the Cardmember, the Cardmember’s spouse, or the Cardmember’s dependent
child.
Immediate family - spouse, parent, legal guardian, legal ward, step-parent,
grandparent, grandchild, in-law, natural or adopted child, step-child, brother,
sister, step-brother, step-sister, aunt, uncle, niece, nephew.
Medical condition - accidental bodily injury or sickness (or a condition related
to that accidental bodily injury or sickness), including disease, acute psychoses
and complications of pregnancy occurring within the first 31 weeks of pregnancy.
Mountain climbing - the ascent or descent of a mountain requiring the use of
specialized equipment, including crampons, pick-axes, anchors, bolts, carabiners
and lead-rope or top-rope anchoring equipment.
Period of insurance - the period of time between your effective date and your
return date. The period of insurance cannot exceed the first 15 consecutive days
of your trip.
Physician - someone who is not you or a member of your immediate family who
is licensed to prescribe drugs and administer medical treatment (within the scope
of such license) at the location where the treatment is provided. A physician does
not include a naturopath, herbalist, chiropractor or homeopath.
Prescription drugs - drugs and medicines that can only be issued upon the
prescription of a physician or dentist and are dispensed by a licensed pharmacist.
Prescription drugs does not mean such drugs or medicine, when you need (or
renew) them to continue to stabilize a condition which you had before your trip,
or a chronic condition.
Professional - engaged in a specified activity as your main paid occupation.
Return date - the date on which you are scheduled to return to your departure point.
Ridesharing services - mean transportation network companies in the business
of providing peer-to-peer ridesharing transportation services through digital
networks or other electronic means for the general public.
Supplementary Cardmember - means an authorized user of the Card account.
Spouse - the person who is legally married to the Cardmember, or has been living
in a conjugal relationship with the Cardmember for a continuous period of at
least one year and who resides in the same household.
Stable - any medical condition or related condition (including any heart condition
or any lung condition) for which there have been: