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AIR MILES TRAVEL INSURANCE

IN THE EVENT OF AN EMERGENCY,CALL THE ASSISTANCE CENTRE IMMEDIATELYIn the event of an emergency, call:1-888-491-2285 Toll-free from the USA and Canada+1 (519) 251-7427 Collect to Canada where available Our Assistance Centre is there to help you24 hours a day, each day of the yearAM100E617 Underwritten by The Manufacturers Life INSURANCE Company and First North American INSURANCE Company, a wholly owned subsidiary of and the Block Design are trademarks of The Manufacturers Life INSURANCE Company and are used by it, and by its affiliates under licence. Trade-marks of AIR MILES International Trading Used under license by LoyaltyOne, Co. 2017 The Manufacturers Life INSURANCE Company. All rights MILES TRAVEL INSURANCEEFFECTIVE JUNE 15, 2017 Underwritten by The Manufacturers Life INSURANCE Company and First North American INSURANCE Company,a wholly owned subsidiary of t forget your Wallet Card!

Whether you’re travelling outside your province or out of the country for a few days or for a few months, Manulife offers the personalized coverage you need to

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Transcription of AIR MILES TRAVEL INSURANCE

1 IN THE EVENT OF AN EMERGENCY,CALL THE ASSISTANCE CENTRE IMMEDIATELYIn the event of an emergency, call:1-888-491-2285 Toll-free from the USA and Canada+1 (519) 251-7427 Collect to Canada where available Our Assistance Centre is there to help you24 hours a day, each day of the yearAM100E617 Underwritten by The Manufacturers Life INSURANCE Company and First North American INSURANCE Company, a wholly owned subsidiary of and the Block Design are trademarks of The Manufacturers Life INSURANCE Company and are used by it, and by its affiliates under licence. Trade-marks of AIR MILES International Trading Used under license by LoyaltyOne, Co. 2017 The Manufacturers Life INSURANCE Company. All rights MILES TRAVEL INSURANCEEFFECTIVE JUNE 15, 2017 Underwritten by The Manufacturers Life INSURANCE Company and First North American INSURANCE Company,a wholly owned subsidiary of t forget your Wallet Card!

2 IN THE EVENT OF AN EMERGENCY, CALL:1-888-491-2285 Toll-free from the USA and Canada +1 (519) 251-7427 Collect to Canada where availableIN THE EVENT OF AN EMERGENCY, CALL:1-888-491-2285 Toll-free from the USA and Canada +1 (519) 251-7427 Collect to Canada where availableNAMEPOLICY #NAMEPOLICY #AIR MILES TRAVEL INSURANCET ravel INSURANCE Policy JUNE 2017 JUNE 2017 Accessible formats and communication supports are available upon request. Visit for more Box 670, Waterloo, ON N2J 4B8 Whether you re travelling outside your province or outof the country for a few days or for a few months,Manulife offers the personalized coverage you need to be financially protected against the cost of unexpected emergencies that may happen prior to or during your trip.

3 No one expects to have a medical emergency away from home, or to have to cancel a trip due to an unforeseen emergency. But these events happen and they can be disruptive and expensive. Since the very beginning, when Sir John A. Macdonald, Canada s first Prime Minister, became President of the company in 1887, Manulife has been helping people feel financially Life and HealthInsurance AssociationIMPORTANT NOTICE PLEASE READ CAREFULLY TRAVEL INSURANCE is designed to cover losses arising from sudden and unforeseeable circumstances. It is important that you read and understand your policy before you TRAVEL as your coverage may be subject to certain exclusions or limitations. Your policy may not provide coverage for medical conditions and/or symptoms that existed before your trip.

4 Check to see how this applies in your policy and how it relates to your departure date, date of purchase or effective date. In the event of an accident, injury or sickness, your prior medical history may be reviewed when a claim is made. Your policy provides TRAVEL assistance. You are required to notify the designated assistance company prior to treatment. Your policy may limit benefits should you not contact the assistance company within a specified time READ YOUR POLICY CAREFULLYBEFORE YOU REQUIRED BY PROVINCIAL LEGISLATIONThis policy contains a provision removing or restricting the right of the insured to designate persons to whom or for whom or for whose benefit INSURANCE money is to be MANULIFEIf you need medical attention or must make any other typeof claim during your trip, call us for assistance first.

5 TheAssistance Centre is open 24 hours a day, each day of the note that if you do not call the Assistance Centre in an emergency, or prior to any treatment, you will have to pay 25% of the eligible medical expenses we would normally pay under this policy. If it is medically impossible for you to call, please have someone call on your behalf. Immediate access to the Assistance Centre is also available through its TravelAid mobile download the app, visit Manufacturers Life INSURANCE CompanyHELP IS JUST A PHONE CALL your trip should be the first thing on your multilingual Assistance Centre is there to help andsupport you 24 hours a day, each day of the year, with:Pre-Trip Information Passport and Visa information Health hazards advisory Weather information Currency exchange information Consulate and Embassy locationsDuring A Medical Emergency Verifying and explaining coverage Referral to a doctor, hospital, or other health care providers Monitoring your medical emergency and keeping your family informed Arranging for return transportation home when medically necessary Arranging direct billing of covered expenses (where possible)

6 Other Services Assistance with lost, stolen or delayed baggage Assistance in obtaining emergency cash Translation and interpreter services in a medical emergency Emergency message services Help to replace lost or stolen airline tickets Assistance in obtaining prescription drugs Assistance in obtaining legal help or bail bondIN THE EVENT OF AN EMERGENCY,CALL THE ASSISTANCE CENTRE IMMEDIATELY1-888-491-2285 Toll-free from the USA and Canada+1 (519) 251-7427 Collect to Canada where you need medical attention or must make any other typeof claim during your trip, call us for assistance first. TheAssistance Centre is open 24 hours a day, each day of the note that if you do not call the Assistance Centre in an emergency, or prior to any treatment, you will have to pay 25% of the eligible medical expenses we would normally pay under this policy.

7 If it is medically impossible for you to call, please have someone call on your behalf. Immediate access to the Assistance Centre is also available through its TravelAid mobile download the app, visit Manufacturers Life INSURANCE Company1 AIR MILES TRAVEL INSURANCE POLICYI mportant Coverage Restrictions Page 2 Important Information About Your Policy Page 3 Schedule of Maximum Benefits by Plan Page 4 TRAVEL INSURANCE Plans At-A-Glance Page 6 Medical Concierge Services Provided by StandbyMD Page 8 General Information About Your TRAVEL INSURANCE Page 9 Your Coverage Starts Page 9 Your Coverage Ends Page 9 Automatic Extension Page 10 To Stay Longer Than Planned Page 10 Trip Cancellation INSURANCE and Trip Interruption INSURANCE Page 11 I.

8 What Does Trip Cancellation INSURANCE Cover? Page 11 II. What Does Trip Interruption INSURANCE Cover? Page 12 III. What Does Misconnection and TRAVEL Delay INSURANCE Cover? Page 15 IV. What Does Delayed Return INSURANCE Cover? Page 16 V. What else does Trip Cancellation INSURANCE , Trip Interruption INSURANCE and Delayed Return INSURANCE Cover? Page 17 Exclusions & Limitations Page 19 Default Protection Coverage Page 21 Emergency Medical INSURANCE Page 23 Benefits Page 23 Exclusions & Limitations Page 27 Baggage Loss, Damage & Delay INSURANCE Page 30 Benefits Page 30 Exclusions & Limitations Page 31 Personal Money INSURANCE Page 32 Benefits Page 32 Exclusions & Limitations Page 32 Flight and TRAVEL Accident INSURANCE Page 33 Benefits Page 33 Exclusions & Limitations Page 34 Rental Vehicle Damage INSURANCE Page 35 Benefits Page 35 Exclusions & Limitations Page 35 Terrorism Coverage Page 36 What Else Do You Need To Know?

9 Page 37 Premium Page 37 How Does This INSURANCE Work with Other Coverages? Page 38 How to Make a Claim Page 39 Definitions Page 42 Notice on Privacy Page 46 Concierge Services Page 46 How to Reach Us Page 47 TABLE OF CONTENTS23 Important Coverage RestrictionsIMPORTANT INFORMATION ABOUT YOUR POLICYI nsurance PolicyThe policy booklet and confirmation all form part of your INSURANCE and must be read as a INFORMATION ABOUT YOUR INSURANCEThis policy is underwritten by The Manufacturers Life INSURANCE Company (Manulife), and First North American INSURANCE Company (FNAIC) a wholly owned subsidiary of Manulife. Manulife has appointed Active Claims Management Inc. (operating as Active Care Management ) as the provider of all assistance and claims service under this policy.

10 Please note that risks identified with throughout this document are covered by you pay your premium and a policy number has been issued to you, this booklet becomes your INSURANCE contract that determines what benefits are payable to you by your policy Please read this policy carefully before you TRAVEL , particularly the sections relating to the INSURANCE coverages you have purchased. Some of the terms may limit the benefits payable to you. Check your contract form or confirmation for the plan(s) you have purchased, then refer to the plan description(s) using the Table of Contents at the beginning of this booklet. While all of the information is important, you should pay particular attention to the Benefits and then the Exclusions & Limitations.


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