Your period of coverage for every Trip under the Annual Plan begins:

WHAT SHOULD I DO IN A MEDICAL EMERGENCY?

Failure to contact Medipac Assist in advance will result in reimbursement of only 75% of ALL Covered Expenses that would otherwise be paid to a maximum of $25,000 U.S.

If You are not able to call because You are medically incapacitated, You or someone on Your behalf must contact Medipac Assist as soon as reasonably possible.

Medipac Assist will:

• verify Your insurance coverage;
• direct You or transfer You to one of our network of Hospitals, Physicians or other medical providers near You and help to manage Your emergency medical claim;
• provide multilingual interpreters to communicate with Physicians and Hospitals in foreign countries;
• contact Your family and Physician;
• pay Covered Expenses directly to Hospitals, Physicians and other medical providers on Your behalf, whenever possible;
• monitor Your medical condition;
• arrange for return transportation to a Hospital in Canada, if necessary.

A Medical Treatment plan endorsed by Your attending Physician and accepted by the Company will be developed to provide Medically Necessary Medical Treatment in a managed care setting.

All medical procedures and/or tests (including CAT Scan, Angiogram or Cardiac Catheterization, MRI or ANY surgery) must be authorized by Medipac Assist in advance.

THE DEFINITIONS

The following words have specific meanings:

"Act of Terrorism" means any activity occurring within a seventy-two (72) hour period, save and except an Act of War, against persons, organizations, property (whether tangible or intangible) or infrastructure of any nature by an individual or a group based in any country that involves the following or preparation for the following:

• use, or a threat to use, force or violence; or
• commission, or a threat to commit, a dangerous act; or
• commission, or a threat to commit, an act that interferes or disrupts an electronic, information or mechanical system;

and the effect or intention of the above is to:

• intimidate, coerce or overthrow a government (whether de facto or de jure) or to influence, affect or protest against its conduct or policies; or
• intimidate, coerce or put in fear the civilian population or any segment thereof; or
• disrupt any segment of the economy; or
• further political, ideological, religious, social or economic objectives to express (or express opposition to) a philosophy or ideology.
  
  

"Act of War" means hostile or warlike action, whether declared or not, in a time of peace or war, whether initiated by a local government, foreign government or foreign group, civil unrest, insurrection, rebellion or civil war.

"Children" means unmarried dependant sons, daughters, grandsons, or granddaughters under the age of 19 and over the age of 12 months that reside in Your principal residence; are enrolled on a full-time basis in a school (if over age five); are accompanied by an Insured on a Trip; and are named on the application as an Insured.

"Company" means The Manufacturers Life Insurance Company.

"Covered Expense" means Reasonable and Customary Charges in excess of the Government Health Insurance Plan of the Canadian province or territory in which You reside or any private or provincial or territorial Auto Insurance Plan for supplies, treatment or services listed in The Benefits section subject to policy limitations.

"Deductible Amount" applicable to this policy is $99 U.S. and applies to each Trip.

"Effective Date of Insurance" means the date You choose Your insurance coverage to take effect as indicated on Your application for insurance.

"Hospital" means an institution which is licensed as a Hospital and which:

"Injury" means any accidental bodily harm that occurs and results in Covered Expenses while this policy is in force. Such Injury must be caused solely by external, violent and accidental means, through no fault of Your own, and is caused independently of Sickness and of any other cause.

"Insured" means a person who is named as an applicant on the application for insurance and in whose name the required premium has been paid.

"Medical Emergency" means a Sickness or Injury which:

"Medically Necessary" in relation to any service, supply or other matter means one which is ordered by a Physician and one which the Company determines is:

"Physician" means a medical practitioner (other than the Insured, a Spouse or relative) who was at the time of treatment currently licensed to prescribe and administer Medical Treatment within the scope of a medical doctor's license, or a surgeon who performs surgery within the scope of a surgeon's license and whose legal and professional standing within their jurisdiction is equivalent to a doctor of medicine (M.D.) duly licensed to practice in any province or territory of Canada.

"Pre-existing Condition": see page 7 for details.

"Reasonable and Customary Charges" means charges which are usually made for care, services or supplies of the level usually furnished for cases of the nature and severity of the case being treated, provided they are in accordance with representative fees and prices in the area.

"Sickness" means an illness or disease which results in a Covered Expense while this coverage is in force. The Sickness must be serious enough for a reasonable person to seek personal Medical Treatment from a Physician.

"Spouse" means a person with whom the Insured is cohabiting and who either:

"Trip" means the defined period of travel between the time You leave home and the date You are scheduled to return home within Your period of coverage.

"Trip Start Date" means the date of departure each time You leave Your province or territory of principal residence during the 365 days after Your Effective Date of Insurance.

"You" and "Your" mean the same as Insured defined above, or any Children as the case may be.

The following are Covered Expenses provided they are incurred by an Insured as a result of a Medical Emergency.

1. Hospital/Medical/Ambulance Expenses:

3. Chiropractic Services: covers the cost of the professional services of a licensed chiropractor for a Medical Emergency. Charges for the services of a licensed chiropractor who is a Spouse or is related to You are not covered. The benefit amount is a maximum of $500.

4. Other Professional Services: covers the cost of the professional services of a licensed chiropodist, osteopath, podiatrist or physiotherapist only if recommended as Medically Necessary by the attending Physician. Charges for the services of a licensed practitioner who is a Spouse or is related to You are not covered. The benefit amount is a maximum of $500.

5. Emergency Dental Expenses: if You suffered an Injury to Your teeth as a result of an external accidental blow to the mouth or face (chewing accidents are not covered), You will be reimbursed up to $5,000 per Insured person for dental treatment to repair or replace natural teeth or permanently attached artificial teeth. Dental treatment must take place within 90 days of the accidental blow to the mouth or face. If You need treatment for relief of dental pain, a maximum of $300 will be allowed for such treatment. Dental treatment must take place before You return to Your Canadian province or territory of principal residence.

6. Return of Vehicle: if neither You nor anyone travelling with You is able to operate Your owned or rented vehicle due to Sickness, Injury or death while travelling outside Your province or territory of residence, this plan will reimburse a maximum of $3,000 for the return of the vehicle.

Eligible for reimbursement is the lesser of the cost of the return performed by a professional agency or the following necessary and reasonable expenses incurred by an individual returning the vehicle on Your behalf: fuel, meals, overnight accommodation and one-way economy airfare. To receive reimbursement, original receipts must be submitted. Any other expenses are not covered. Benefits will only be payable when pre-approved and/or arranged by Medipac Assist and the vehicle is returned to Your normal place of residence or the nearest appropriate rental agency within 30 days of Your return to Canada. Car rental costs while awaiting the return of your vehicle are not eligible expenses.

7. Bringing a Relative to Your Bedside: covers the cost of a round-trip, economy class airfare to have one family member or a close friend visit You

in Hospital, up to a maximum of $1,000. In addition, this benefit covers the family member's or close friend's out-of-pocket expenses for commercial accommodations and meals up to $200 per day to an overall maximum of $1,000. This benefit is payable in the event You are in Hospital for at least three (3) consecutive nights due to a Medical Emergency. The Company requires original receipts for the incurred costs. This benefit must be approved in advance by Medipac Assist.

9. Return of Spouse: covers the cost of an economy class airfare to the departure point for the return of Your Spouse, if the Company requires that You return to Canada for immediate Medical Treatment or in the event of Your death. This benefit is payable up to a maximum of $2,500 and must be approved in advance by Medipac Assist. Your spouse must be covered under this policy.

10. Return of Children: covers the cost of economy class airfare to return Your Insured Children and a qualified escort, when required by the airlines, to Your departure point, if the Company returns You to Canada for immediate Medical Treatment or in the event of Your death. The Insured Children must be under Your care during Your entire Trip and be covered under this policy. This benefit must be approved in advance by Medipac Assist.

11. Emergency Air Transportation: covers, as a result of a Sickness or Injury: (a) the cost of a one-way, economy class airfare to Your departure point in Canada; or (b) the cost of additional airline seats to accommodate a stretcher when recommended by the attending Physician. Any air transportation must be arranged and approved in advance by Medipac Assist.

12. Qualified Medical Attendant: covers the Reasonable and Customary Charges for the services of a medical attendant. These services must be on the recommendation of a Physician and must be approved in advance by Medipac Assist. Charges for the services of a medical attendant who is a Spouse or is related to You are not covered.

13. Air Ambulance: covers the cost of air ambulance transportation, when medically required, between Hospitals. Air ambulance transportation must be arranged and approved in advance by Medipac Assist.

14. Return of Deceased: covers the cost of preparation and transportation of a deceased Insured to the original departure point in Canada. This benefit includes the cost of a standard transportation container (excludes cost of a casket). The maximum benefit amount is $5,000. For cremation or burial of the deceased Insured at the place of death, the maximum benefit amount is $2,500. If it is necessary to identify the deceased Insured before release of the body, the benefit also covers the cost of a round-trip, economy class airfare for one family member or close friend and their out-of-pocket expenses up to $200 per day to a maximum of $800. The Company requires original receipts for the incurred costs. This benefit must be approved in advance by Medipac Assist.

NOTE: NOTWITHSTANDING THE OTHER PROVISIONS OF THIS POLICY, ANY MEDICAL TREATMENT, SERVICE OR SUPPLY THAT IS NOT SPECIFICALLY LISTED IN THE SECTION "THE BENEFITS" IS NOT COVERED BY THIS POLICY.

WHAT IS NOT COVERED

PRE-EXISTING CONDITIONS

This insurance does not provide benefits for any Medical Emergency concerning, relating to, caused by or arising from any of the following:

This insurance does not cover, provide services or pay claims resulting directly or indirectly from:

INDIVIDUALS EXCLUDED FROM COVERAGE

You cannot be covered by this policy, and all insurance coverage is null and void, and the liability of the Company will be limited to return of premium if prior to Your Effective Date of Insurance:

This insurance is null and void in the case of fraud or attempted fraud, or if You conceal or misrepresent any material fact in Your application for this policy.

CHANGE IN EFFECTIVE DATE

If there is a change in Your Effective Date of Insurance, notice must be provided to Medipac International Inc. from within Canada prior to the Effective Date of Insurance shown in Your application. You are not required to provide advance notice of Your Trip Start Date(s). However, evidence of these dates will be required at the time of claim.

IS THERE ANYTHING ELSE I NEED TO KNOW?

Yes, the following are the general conditions that apply to Your insurance under this policy:

This policy provides automatic extension of coverage at no additional cost to You in each of the following situations:

HOW DO I PRESENT MY CLAIM?

When You contact Medipac Assist at the time of Your Medical Emergency, we will send You a Claim Kit within 10 days, containing everything necessary to submit Your claim, including instructions and forms.

These forms must be returned to our office within 30 days of the date of Your claim. Otherwise, any amount payable under this Policy may be reduced by the amount Your GHIP plan would have paid had the claim been submitted in a timely manner.

The Company will require a completed Claim and Authorization and Release Form, original invoices and/or receipts, payment of Your Deductible Amount, and, proof of Your departure date and return date.

For prompt payment, please submit ONLY original itemized bills, the HCFA-Form 1500, UB-92 (with itemized statement) OR an original itemized doctor's bill with:

• formal letterhead with full name and address
  
  
• tax I.D.
  
  
• procedure and diagnostic codes with dollar amounts
  
  
• original doctor's signature (stamped photocopied signatures are not acceptable)
  
  
• proof of payment by You or any other benefit plan

Medipac Assist will also require medical records including:

POLICY EXTENSIONS

Extension of coverage must be applied for and approved by Medipac International Inc. either at the time of Your application or within the 16 days immediately after Your date of departure on any Trip.

Under this policy, You can extend any Trip during the 365-day period beginning on Your Effective Date of Insurance up to a total Trip length of 39 days.

In order to apply for an extension of coverage, You must be in good health and cannot have any medical or physical condition for which Medical Treatment, surgery or Hospitalization is anticipated. No extensions are available if a claim has been incurred. To apply for an extension of coverage call Medipac International Inc. at 1-888-939-0001. A declaration of good health must be made before an extension can be issued. An administration fee per person, per extension, applies.

EXCLUSION:

This Policy Extension does not cover, provide services or pay claims for expenses resulting directly or indirectly from any Sickness or Injury that was first manifest, first diagnosed, or first treated after Your Trip Start Date and prior to this Extension taking effect.

Premium for the Annual Plan cannot be refunded after the Effective Date of Insurance and no refunds are available if a claim has been incurred.

All refund requests must be made in writing from within Canada. Your request must include a statement that no claims have been incurred.

A refund will be provided to an Insured in the following situations:

FULL REFUND only if, prior to the Effective Date of Insurance:

• the Insured or his/her Spouse is unable to travel due to Sickness or Injury (a Physician's statement is required); or
  
  
• the Insured is unable to travel due to a death in the immediate family.
  
  

FULL REFUND less a $25 Administration Fee per person if the policy is cancelled prior to the Effective Date of Insurance for any other reason.

A refund is available for any unused days under an extension of insurance, less a $25 Administration Fee.

IMPORTANT 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 limitations or exclusions.
  
  
• A pre-existing exclusion may apply to medical conditions and/or symptoms that existed prior to your trip. 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 reported.
  
  
• If your policy provides travel assistance, you may be 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 period.