Table of Contents. Section 1 - IMPORTANT NOTICE... 1 Your Safe Trip Begins Here... 1 What To Do in an Emergency Section 2 - ELIGIBILITY...

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1 Table of Contents Section 1 - IMPORTANT NOTICE Your Safe Trip Begins Here What To Do in an Emergency Section 2 - ELIGIBILITY Section 3 - INSURANCE AGREEMENT Coverage Offered Plans Offered Summary of Plans & Benefits Covered Destinations Duration of Coverage Period of Coverage Automatic Extension of Coverage Optional Extension Premium Payment Refunds Section 4 - EMERGENCY HOSPITAL & MEDICAL EXPENSE BENEFITS Coverage Offered Benefits Limitations and Restrictions Exclusions How to File a Claim Section 5 - TRIP CANCELLATION AND INTERRUPTION BENEFITS. 13 Insured Risks Benefits for Trip Cancellation Benefits for Trip Interruption Limitations and Restrictions Exclusions How to File a Claim Section 6 - BAGGAGE AND PERSONAL EFFECTS BENEFITS Coverage Offered Benefits Limitations and Restrictions Exclusions How to File a Claim Section 7 24-HOUR PERSONAL ACCIDENT BENEFITS Coverage Offered Exclusions How to File a Claim Section 8 - INTERNATIONAL ASSISTANCE SERVICES Section 9 - GENERAL PROVISIONS ONCE THE APPROPRIATE PREMIUM IS PAID AND A POLICY CONFIRMATION NUMBER IS ISSUED, THIS BOOKLET BECOMES YOUR INSURANCE POLICY. Section 1 IMPORTANT NOTICE PLEASE READ CAREFULLY Your Safe Trip Begins Here What safer way to begin your trip than by purchasing travel insurance? Travel insurance is designed to guard against the financial consequences of unexpected and unforeseen events. Still, no single coverage can protect against every risk. That is why it is important for you to understand the nature of the insurance you have purchased. Read your policy Please read this policy carefully, particularly the sections relating to the insurance coverage(s) you have purchased. Some of the terms may limit the benefits payable to you. Check the exclusion for pre-existing medical conditions A pre-existing medical condition exclusion may apply to medical conditions and/or symptoms that existed prior to your departure. Check to see how this applies in your policy and how it relates to your date of purchase or date of departure. Medical history review In the event of an accident, injury or sickness, your prior medical history will be reviewed when a claim is reported. Definitions Throughout this policy, words in italics have a specific meaning and are defined in the Definitions section. Currency All amounts are in Canadian currency, unless indicated otherwise. What To Do in an Emergency In the event of an emergency during a covered trip, you must call Global Excel immediately, prior to seeking treatment: 24-HOUR EMERGENCY MEDICAL ASSISTANCE (toll free from Canada and USA) (collect from anywhere) If it is not reasonably possible for you to contact Global Excel prior to seeking treatment, due to the nature of your emergency, you must have someone else call on your behalf or you must call as soon as medically possible. Failure to do so will limit benefits (see Emergency Hospital & Medical Expense - Limitations and Restrictions - Paragraph 1 page 10). Section 10 STATUTORY CONDITIONS Section 11 - DEFINITIONS POL ECA

2 Why are you required to call Global Excel? If Global Excel is not notified, you may receive medical treatment or services which are not considered medically necessary as defined by the policy. Pre-Approval Requirement - Global Excel must approve in advance any surgery, invasive procedure, diagnostic testing or treatment (including, but not limited to, cardiac catheterization), prior to the insured undergoing such surgery, procedure, testing or treatment. It remains your responsibility to inform your attending physician to call Global Excel for approval, except in extreme circumstances where such action would delay surgery required to resolve a life-threatening medical crisis. Global Excel will work closely with you to: recommend an appropriate physician or hospital at your trip destination, wherever possible; monitor your care so that only appropriate, medically necessary treatment is given and to ensure that your medical needs are met; contact your family and physician on your behalf; pay hospitals, physicians and other medical providers directly, whenever possible; approve and arrange air ambulance transportation when medically necessary; inform you of any expenses not covered by the policy or to explain the policy s terms and provisions as they relate to your emergency; provide multilingual interpreters to communicate with physicians and hospitals. Direct Payment - Direct payment of eligible medical expenses approved in advance is part of our service, but if it is not possible for the Insurer to pay directly, you may be required to provide payment yourself and submit a claim supported by proper documentation. Section 2 ELIGIBILITY Eligibility requirements applicable to benefits and plans 1. To purchase this insurance, the applicant must be 50 years of age or less on the date of application. 2. This insurance must be: a. issued in Canada; and b. purchased prior to the contracted date of departure from Canada. 3. This insurance is null and void if a covered trip is booked or undertaken: a. contrary to medical advice; b. while the applicant requires kidney dialysis; or c. if the applicant has a terminal illness. Terminal illness means that the applicant has a medical condition that is cause for a physician to estimate that he has less than six months to live or for which palliative care has been received. 4. If this insurance is purchased in a manner other than as stated in this Section, the policy shall be null and void and the Insurer s sole liability will be limited to the refund of the insurance premium paid. 5. The applicant must meet the eligibility requirements for Emergency Hospital & Medical Expense, Trip Cancellation & Interruption and Baggage & Personal Effects Benefits. Emergency Hospital & Medical Expense Benefits (Under Plans A, B and D) 1. The applicant must be a Canadian resident or a landed immigrant. 2. The applicant must be covered by a government health insurance plan (GHIP) in his Canadian province or territory of residence or a university health insurance plan (UHIP). Note: If you purchase any Emergency Hospital & Medical Expense coverage without GHIP or UHIP coverage, eligible expenses will be limited to $25,000. Trip Cancellation & Interruption Benefits (Under Plans A, B and C) 1. This insurance coverage must be: a. issued in Canada for the entire duration of the covered trip; b. issued for the total amount of the non-refundable portion of the covered trip, up to a maximum of $12, It is a condition precedent to the Insurer s liability under this policy that at the time of application: a. the applicant knows of no reason for him, an immediate family member, a travel companion or a travel companion s immediate family member, to seek medical attention; b. the applicant and his travel companion(s) must be deemed fit to undertake and complete the covered trip as booked. Baggage & Personal Effects Benefit (Under Plan A) This insurance coverage must be purchased for the entire duration of your trip. Section 3 INSURANCE AGREEMENT Coverage Offered The Insurer will pay benefits specified in the Policy upon payment of the required premium, submission of a correct and complete application form and occurrence of an insured risk, subject to the terms, conditions, limitations, exclusions, definitions and other provisions of this Policy, up to the maximum sum insured as indicated in the Summary of Plans & Benefits (on page 4). Plans Offered Bon Voyage offers the following insurance plans: 1 Plan A Comprehensive Plan 2. Plan B Budget Plan (without Baggage and Personal Effects) 3. Plan C Trip Cancellation & Interruption Plan 4. Plan D Emergency Hospital & Medical Expense Plan Summary of Plans & Benefits Plan A - Comprehensive Plan Benefit Emergency Hospital & Medical Expense Trip Cancellation & Interruption Maximum Sum Insured $1 million* Prior to Departure $5,000** After Departure $5,000 Travel Delay $200 Missed Connection $1,500 Cancellation by Tour Operator $1,000 Pet Care Expenses $100 Baggage & Personal Effects Maximum $800 ($1,500 with upgrade purchase) Maximum per item $300 ($1,000 with upgrade purchase) Baggage Delay $100 Document Replacement (passport or visa) $500 Personal Money $100 Travel Tickets $ Hour Personal Accident Accidental Death $25,000 In-Flight Accidental Death $50,000 Accidental Loss of Limb, Loss of Sight or $50,000 Permanent Total Disability Disappearance $25,000 Benefit Plan B - Budget Plan Emergency Hospital & Medical Expense $1 million* Trip Cancellation & Interruption Prior to Departure $5,000** After Departure $5,000 Travel Delay $150 Missed Connection $1,500 Cancellation by Tour Operator $1,000 Pet Care Expenses $ Hour Personal Accident Accidental Death $25,000 In-Flight Accidental Death $50,000 Accidental Loss of Limb, Loss of Sight or $50,000 Permanent Total Disability Disappearance $25,000 Maximum Sum Insured

3 Plan C - Trip Cancellation & Interruption Plan Benefit Maximum Sum Insured Trip Cancellation & Interruption Prior to Departure Up to amount purchased** After Departure Up to amount purchased Travel Delay $150 Missed Connection $1,500 Cancellation by Tour Operator $1,000 Pet Care Expenses $100 Plan D - Emergency Hospital & Medical Plan Benefit Emergency Hospital & Medical Expense Maximum Sum Insured $1 million* * Limited to $25,000 if you do not have GHIP or UHIP coverage ** Coverage may be increased, subject to additional premium, to a maximum of $12,000 Covered Destination 1. When you choose the USA premium rates, the Emergency Hospital & Medical Expense Benefits provide coverage anywhere in the world (outside your province or territory of residence). 2. When you choose the Non-USA premium rates, the Emergency Hospital & Medical Expense Benefits provide coverage anywhere in the world (outside your province or territory of residence) except in the USA. An exception is made for a stopover of 48 hours or less in the USA. Duration of Coverage (Applicable to Plans A, B and D) The duration of the policy is based on the duration you selected at time of purchase and any extensions purchased thereafter. If your duration is longer than the duration allowed by your government or university health insurance plan, you must receive written permission from your government or your university health insurance plan provider to maintain your Canadian government or university health insurance plan. In the event of a claim, you will be requested to provide such written permission. Period of Coverage 1. Emergency Hospital & Medical Expense, Baggage & Personal Effects and 24-Hour Personal Accident Benefits: a. Effective Date Coverage begins on the later of the following: i. the date of departure; or ii. the effective date as indicated on your Confirmation of Insurance. b. Expiry Date Coverage terminates on the earlier of the following: i. the date you return to your province or territory of residence, except in the circumstances noted below; or ii. the expiry date as indicated on your Confirmation of Insurance. Note: If you return to your province or territory of residence for a temporary visit (a trip of 14 days or less) prior to the expiry date of your insurance, your coverage will resume with no additional premium once you leave your province or territory of residence to continue on your covered trip. The number of days of your temporary visit will not be refunded or reissued. If during your temporary visit you are treated or you receive medical treatment for a medical condition (other than a minor ailment), any treatment you receive on your return to your destination relating to the conditions previously treated in Canada will not be covered. 2. Trip Cancellation & Interruption Benefits: a. Effective Date Coverage begins on the later of the following: i. the date you pay the premium (either at the time of initial deposit or prior to any cancellation penalties being applicable to your covered trip); or ii. the date a policy number is issued. b. Expiry Date Coverage terminates on the earlier of the following: i. the date the insured risk occurs (if the covered trip is cancelled prior to the contracted date of departure); or ii. the date you return to your province or territory of residence. Automatic Extension of Coverage Your coverage will be extended automatically without additional premium upon notifying Global Excel, if your return to the point of departure is delayed beyond your contracted date of return solely due to one of the following reasons: 1. Your return from the covered trip is delayed beyond the contracted date of return due to the delayed arrival or departure of a common carrier aboard which you are travelling, coverage will be extended for a period of 72 hours. 2. You or your travel companion must remain hospitalized following a sickness or injury beyond the date the insurance coverage would otherwise terminate, coverage will be extended until you or your travel companion are stable for discharge in the opinion of the Insurer (to a maximum of 365 days), plus 5 consecutive days thereafter. 3. You or your travel companion s return is delayed beyond the contracted date of return as a direct result of sickness or injury for which you or your travel companion are not hospitalized, coverage will be extended to a maximum of 3 days. Extensions beyond such period may be granted, provided it is approved in advance by Global Excel and subject to additional premium. Optional Extension Coverage can be extended by contacting Travel CUTS provided that: 1. a claim has not been made under this policy. If a claim has been made, an extension may be granted upon review from the Insurer; 2. you remain eligible for insurance; 3. the extension is requested by phone not more than 10 days before your coverage expires; 4. the total time outside your province, territory of residence or Canada (including the extension) does not exceed the maximum trip duration for which you are eligible; 5. the required premium is charged to your credit card. Note: The cost of the additional days of insurance will be calculated based on the total trip duration less the initial premium paid. If you receive a consultation or experience a medical condition, sickness or injury during the period of coverage, you must notify Travel CUTS at the time you apply for an extension of coverage. Failure to notify Travel CUTS will render your extension null and void. Premium Payment 1. The required premium is due and payable at the time of application and will be determined according to the schedule of premium rates then in effect If the premium is insufficient for the period of coverage selected, we will: a. charge and collect any underpayment; or b. shorten the policy period by written endorsement if an underpayment in premium cannot be collected. 3. We will refund any overpayment of premium. Refunds Day Full Refund Provision You may cancel your insurance policy within 14 days of purchase and receive a full refund of the premium paid provided that no claim has occurred or is pending. To cancel the policy, you must send a written notice by registered or certified mail to Global Excel at 73 Queen Street - Sherbrooke, Québec - J1M 0C9. 2. Plan A - Comprehensive Plan and Plan B - Budget Plan A full refund of the premium paid can be made prior to the departure date, provided that no claim has occurred and only under the following circumstances: a. Travel Supplier cancels the trip and all penalties are waived. b. Travel Supplier changes/reschedules travel dates and you are unable to travel on those dates and all penalties are waived. c. You cancel your trip before any penalties are applicable. A partial refund of the premium paid under Plan A or B will be made if you return early provided that you contact Travel CUTS upon early return and that no claim has occurred or is pending. Satisfactory proof of the return date must be received. The maximum amount of premium refundable is limited to the unused portion of the Policy premium, reduced by the amount of premium required for Trip Cancellation & Interruption benefits. Partial premium refunds are subject to an administration fee. 3. Plan C Trip Cancellation and Interruption Plan premium is nonrefundable. Exception: See 14-Day Full Refund Provision above. 4. Plan D - Emergency Hospital & Medical Expense Plan (Contact Travel CUTS to request premium refund.) a. A full refund of the premium paid will be made if you must cancel the trip prior to departure. b. A partial refund (minimum four days) of the premium paid will be made if you return early provided that you contact Travel CUTS upon early return and that no claim has been received or is pending. Satisfactory proof of the return date must be received. Partial premium refunds are subject to an administration fee. Section 4 EMERGENCY HOSPITAL & MEDICAL EXPENSE BENEFITS (Under Plans A, B and D) Coverage Offered This insurance provides payment for the reasonable and customary costs incurred by you in case of an emergency occurring while you are travelling outside of your province or territory of residence on a covered trip for the benefits set out below. The Insurer will pay such eligible expenses, to a maximum of $1 million per insured, only in excess of those reimbursable under any group, individual, private or public plan or contract of insurance, including any auto insurance plan and your Canadian provincial or territorial government health insurance plan or university health insurance plan (limited to $25,000 if you do not have GHIP or UHIP coverage)

4 Benefits 1. Hospital Accommodation: Charges up to the semi-private room rate (or an intensive or coronary care unit where medically necessary). 2. Emergency Medical Services: Medical treatment by a physician or surgeon and necessary services of a licensed private duty nurse (other than an immediate family member). 3. Diagnostic Services: Laboratory tests and x-rays provided such services are approved in advance by Global Excel. 4. Paramedical Services: Services of a licensed chiropractor, chiropodist, osteopath, podiatrist or physiotherapist, when medically necessary as the result of an emergency, to a maximum of $300 per profession listed, when approved in advance by Global Excel. This benefit does not cover expenses incurred for general examinations, checkups, cosmetic treatments or services provided by an immediate family member. 5. Prescription Drugs: Drugs and medications that can only be obtained upon medical prescription, that are prescribed by a physician and that are supplied by a licensed pharmacist when required as a result of an emergency. This includes the replacement cost of your drugs or medications that are lost, stolen or damaged during your covered trip up to the lesser of $50 or the amount of medication required for the balance of your covered trip. In addition to the replacement cost of your prescription, this benefit also covers the cost of one visit to a physician to obtain the replacement prescription. To file a claim you must supply original receipts issued by the pharmacist, physician or hospital, indicating the total cost, prescription number and name of medication, quantity, date and name of the prescribing physician. 6. Ambulance Services: When reasonable and medically necessary, licensed ground ambulance service (also covers taxi fare in lieu of ground ambulance) to the nearest hospital. 7. Emergency Air Transportation: When approved and arranged in advance by Global Excel: a. air ambulance to the nearest appropriate medical facility or to a Canadian hospital for medical treatment; b. the fare for additional airline seats to accommodate a stretcher to return you to your province or territory of residence plus the cost of a round-trip economy airfare, reasonable meal and accommodation expenses and the fee for a qualified medical attendant (other than an immediate family member) to accompany you to your province or territory of residence when recommended by the attending physician; or c. up to the cost of a one-way economy airfare to your province or territory of residence. 8. Transportation to Bedside: When approved in advance by Global Excel, up to a maximum of $3,500 for reasonable travel, accommodation and meals expenses for one or both of your parents, a close friend or relative to visit at your bedside when you are hospitalized due to a critical sickness or injury while travelling and the attending local physician recommends in writing that someone should travel to, remain with, and/or escort you back to your province or territory of residence. Furthermore, the person required at bedside (age 50 or less) will be covered under this Emergency Hospital & Medical Expense coverage for the duration of your hospitalization and up until you are medically stable to return to your province or territory of residence (subject to the same terms, limitations and pre-existing medical condition exclusions of your policy) Treatment of Dental Accidents: Emergency dental treatment at trip destination to a maximum of $1,500 to repair or replace sound natural teeth or permanently attached artificial teeth injured as the result of an accidental blow to the face, provided you consult a physician or a dentist immediately following the injury. An accident report is required from the physician or dentist for claims purposes. This benefit excludes crowns and root canal treatments. 10. Emergency Relief of Dental Pain: Up to $300 per insured person for emergency relief of dental pain, outside your province or territory of residence. This benefit excludes crowns and root canal treatments. 11. Preparation and Return of Remains: In the event of your death, up to a maximum benefit of $3,000 towards the actual cost incurred for preparation of remains, plus the cost of transportation of the deceased insured person to their province or territory of residence, with an overall maximum of $10,000; or up to $3,000 for preparation of remains and up to $3,000 for burial at the place of death of the insured person. The cost of casket, urn, headstone or funeral service charges is not covered by this benefit. No amount will be payable under this benefit section if the same benefits are payable in respect of an insured person under the Trip Interruption benefit section of this Policy. 12. Identification of Remains: When approved in advance by Global Excel, in the event of your death during your covered trip, when someone is legally required to identify your remains before the body is released, the Insurer will reimburse up to a maximum of $3,500 for reasonable travel, accommodation and meal expenses, to the place where your remains are located for one relative or close friend. That person (age 50 or less) will have Emergency Hospital & Medical Expense coverage during the period necessary to identify your remains but for not more than 3 business days (subject to the same terms, limitations and pre-existing medical condition exclusions of your policy). 13. Return to Trip Destination: If, following your Emergency Air Transportation arranged by Global Excel to your province or territory of residence, you wish to return to your destination, the Insurer will reimburse you for the cost of a one-way economy airfare to the city from where the medical evacuation occurred. This benefit is available if your attending physician in Canada determines that you require no further treatment and you receive pre-authorization from Global Excel. Your return must be prior to your originally scheduled return date. Once you return to your destination, a recurrence of the medical condition which necessitated your Emergency Air Transportation or related medical condition will not be covered under this policy. This benefit can only be used once during the covered trip. Upon return to your destination, the effective date of coverage is the day you leave your point of departure to return to your destination. 14. Return of your Baggage and Personal Effects: In the event of your medical evacuation arranged by Global Excel, if there is insufficient space to accommodate your Baggage and Personal Effects aboard the transport provided, Global Excel will reimburse you up to $200 to cover the cost of shipping your Baggage and Personal Effects back to your original point of departure. 15. Accommodation and Meals: If you are delayed beyond your scheduled return date due to your sickness or injury or the sickness or injury of your travel companion, the Insurer will reimburse you up to $150 (up to $200 if you purchased Plan A) for out-of-pocket expenses incurred during this delay provided that original receipts for expenses incurred as a result of the delay are submitted at the time of claim Limitations and Restrictions 1. Failure to Notify Global Excel - In the event of an emergency during a covered trip, you must call Global Excel, immediately, prior to seeking treatment. If it is not reasonably possible for you to contact Global Excel prior to seeking treatment, due to the nature of your emergency, you must have someone else call on your behalf or you must call as soon as medically possible. Failure to do so will limit benefits payable to you to 70% of eligible expenses, based on reasonable and customary costs. You will be responsible for payment of any remaining charges. 2. Pre-Approval of Surgery, Invasive Procedure, Diagnostic Testing and Treatment Global Excel must approve in advance any surgery, invasive procedure, diagnostic testing or treatment (including, but not limited to, cardiac catheterization), prior to the insured undergoing such surgery, procedure, testing or treatment. It remains your responsibility to inform your attending physician to call Global Excel for approval, except in extreme circumstances where such action would delay surgery required to resolve a life-threatening medical crisis. 3. Benefits Limited to $25,000 Only Canadian residents and landed immigrants covered under a Canadian government or university health insurance plan (GHIP or UHIP) are eligible for the complete coverage maximum of $1 million. Note: If you have no coverage under GHIP or UHIP or if you lose such coverage during your trip, then this insurance is limited to a total of $25,000 for all eligible expenses. 4. Transfer or Medical Repatriation - During an emergency (whether prior to admission, during a hospitalization or after your release from the hospital), the Insurer reserves the right to: a. transfer you to one of its preferred health care providers; and/or b. return you to your province or territory of residence, for the medical treatment of your sickness or injury without danger to your life or health. If you choose to decline the transfer or return when declared medically stable by the Insurer, the Insurer will be released from any liability for expenses incurred for such sickness or injury after the proposed date of transfer or return. Global Excel will make every provision for your medical condition when choosing and arranging the mode of your transfer or return and, in the case of a transfer, when choosing the hospital. 5. Limitation of Benefits - Once you are deemed medically stable to return to your province or territory of residence (with or without a medical escort) either in the opinion of the Insurer or by virtue of discharge from hospital, your emergency is considered to have ended, whereupon any further consultation, treatment, recurrence or complication related to the medical emergency will no longer be eligible for coverage under this policy. 6. Availability and Quality of Care - The Insurer is not responsible for the availability, quality or results of any medical treatment or transportation, or your failure to obtain medical treatment or hospitalization. 7. Benefits Limited to Incurred Expenses - The total benefits paid to you from all sources cannot exceed the actual expenses which you have incurred. Exclusions This insurance does not cover losses or expenses caused directly or indirectly, in whole or in part, by:

5 1. Any sickness, injury or medical condition (other than a minor ailment), any heart condition or any lung condition which was not stable at any time during the 90 days prior to your departure date. 2. Expenses for which no charge would normally be made in the absence of insurance. 3. Committing or attempting to commit an illegal act or a criminal act. 4. Your participation in and/or voluntary exposure to any risk from: war or act of war, whether declared or undeclared; invasion or act of foreign enemy; declared or undeclared hostilities; civil war, riot, rebellion; revolution or insurrection; act of military power; or any service in the armed forces. 5. Medication, drugs or toxic substance abuse or overdose (whether or not you are sane); alcohol abuse, alcoholism or an accident while being impaired by drugs or alcohol or having an alcohol concentration that exceeds 80 milligrams in 100 millilitres of blood. 6. Your suicide (including any attempt thereat) or self-inflicted injury whether or not you are sane. 7. Treatment or hospitalization of mother or child(ren) as a result of pregnancy, miscarriage, childbirth or complications of any of these conditions occurring in the 9 weeks before and/or after the expected delivery date. 8. Sickness, injury or medical condition you suffer or contract in a specific country, region or area for which the Department of Foreign Affairs and International Trade of the Canadian Government has issued a travel advisory or formal notice, before your departure date, advising Canadians not to travel to that specific country, region or area. If the Canadian Government issues a travel advisory or formal notice to leave that specific country, region or area, after your departure date, your coverage for sickness, injury or medical condition is limited to a period of 10 days from the date the advisory was issued, or to a period that is reasonably necessary to safely evacuate the country, region or area. In this exclusion sickness, injury or medical condition means any sickness, injury or medical condition that is attributable to the reason for which the travel advisory or formal notice was issued or any complications arising therefrom. 9. Self-exposure to exceptional risk, hazardous pursuits or occupations, or flight accident (unless you are travelling as a fare-paying passenger on a commercial airline). 10. Participation in: a. any sports as a professional athlete (person who engages in an activity as one s main paid occupation); b. any competitive motorized sporting events, racing or motorized speed contests; c. scuba diving (unless you hold a SCUBA designation from a Canadian certified school or a PADI, NAUI or SSI certification obtained prior to your departure from Canada); or d. hang-gliding. 11. The purchase or replacement cost (prescribed or not) loss or damage to hearing devices, eyeglasses, sunglasses, contact lenses or prosthetic teeth, limbs or devices and resulting prescription therefrom. 12. Radiotherapy, or chemotherapy or transplants including but not limited to organ transplants or bone marrow transplants. 13. A disorder, disease, condition or symptom that is emotional, psychological or mental in nature unless hospitalized Treatment or surgery during a trip when the trip is undertaken for the purpose of securing or with the intent of receiving medical or hospital services, whether or not such trip is taken on the advice of a physician; or a sickness, injury or related condition for which it was reasonable to expect treatment or hospitalization during your covered trip. 15. Treatment, surgery, medication, services or supplies that are not required for the immediate relief of acute pain or suffering, or that you elect to have provided outside your province or territory of residence when medical evidence indicates that you could return to your province or territory of residence to receive such treatment. The delay to receive treatment in your province or territory of residence has no bearing on the application of this exclusion. 16. Cardiac catheterization, angioplasty, and/or cardiovascular surgery including any associated diagnostic test(s) or charges unless approved by Global Excel prior to being performed, except in extreme circumstances where such surgery is performed on an emergency basis immediately upon admission to a hospital. 17. Magnetic resonance imaging (MRI), computerized axial tomography (CAT) scans, sonograms or ultrasounds and biopsies unless such services are authorized in advance by Global Excel. 18. Hospitalization or services rendered in connection with general health examinations for check-up purposes, treatment of an ongoing condition, regular care of a chronic condition, home health care, investigative testing, rehabilitation or ongoing care or treatment in connection with drugs, alcohol or any other substance abuse. 19. Non-compliance with any prescribed medical therapy or medical treatment (as determined by the Insurer) or failure to carry out a physician s instructions. 20. Treatment of a sickness or injury after the initial medical emergency has ended (as determined by the Insurer). 21. Emergency air transportation and/or car rental unless approved and arranged in advance by Global Excel. 22. Treatment not performed by or under the supervision of a physician, licensed dentist, or licensed practitioner (as specified under Benefit 4 page 8). 23. Expenses incurred as a result of symptomatic or asymptomatic HIV infection, HIV-related conditions and AIDS (Acquired Immune Deficiency Syndrome), including any associated diagnostic tests or charges. 24. Services provided by an optometrist or for cataract surgery. 25. The replacement of an existing prescription, whether by reason of renewal or inadequate supply, or the purchase of drugs and medication (including vitamins) which are commonly available without a prescription or which are not legally registered and approved in Canada or which are not required as a result of a medical emergency; preventive medicines, inoculations, birth control pills or devices. 26. Sickness or injury which first appeared, was diagnosed or received medical treatment prior to the effective date of the insurance extension if the extension was purchased after the contracted date of departure. 27. Upgrading charges and cancellation penalties for airline tickets, unless approved in advance by Global Excel. 28. Elective and/or cosmetic surgery or treatment whether or not for psychological reasons. 29. Crowns and root canal treatments. 30. Sexually transmitted diseases (STDs) How to File a Claim You must substantiate your claim by providing all required documents for the applicable insurance coverage. Failure to do so may result in nonpayment of your claim. The Insurer is not responsible for charges levied in relation to any such documents. Note that incomplete documentation will be returned to you for completion. For a claim under Emergency Hospital & Medical Expense Benefits, you must submit the following documents: 1. A completed claim form (available by contacting Global Excel). 2. Original itemized bills from the licensed medical provider(s) stating the patient s name, diagnosis, date and type of treatment, and the name, address and telephone number of the provider, as well as the original transaction documents proving that payment was made to the provider. (Copies of itemized bills are accepted only if the insured has already dealt directly with his government health insurance plan.) 3. Original prescription drug receipts from the pharmacist, physician or hospital indicating the name of the prescribing physician, prescription number, name of preparation, date, quantity and total cost. 4. For out-of-pocket expenses: an explanation of expenses accompanied by the original receipts. 5. If you are covered by other insurance: a. the full name and address of the other insurer; b. the policy number, name and address of any other insurance company. Note: This policy will not cover associated costs of any additional medical documents requested. PLEASE SEND ALL DOCUMENTS FOR YOUR CLAIM TO: Global Excel Management Inc. 73 Queen Street Sherbrooke, Quebec J1M 0C9 Section 5 - TRIP CANCELLATION & INTERRUPTION BENEFITS (under plans A, B and C) Insured Risks Any of the following occurrences that prevent you from departing, travelling or returning on the dates of the covered trip is an insured risk: 1. Sickness, injury or death of you, a travel companion, an immediate family member, a travel companion s immediate family member. 2. Death, emergency hospitalization or quarantine of your host at trip destination. 3. Death of a close friend. 4. You or a travel companion are: a. summoned for jury duty; b. subpoenaed as a witness in a case; or c. named as a plaintiff or a defendant in a civil suit. This insured risk applies only when the case is scheduled to be heard during the covered trip and notice is received after the date of application

6 5. A delay that causes you to miss or interrupt any part of your covered trip when, the private or rented vehicle which you are driving or in which you are a passenger, or a common carrier or a prepaid connecting flight aboard which you are a passenger, is delayed due to weather, a mechanical failure, an emergency road closure by the police or an accident, provided that the vehicle or the common carrier was scheduled to arrive at the contracted departure or return point at least two hours (or the required minimum reporting time, whichever is the greater) in advance of the contracted time of departure or return. 6. A university or college examination when: a. you or your travel companion are required to attend at an examination on a date later than your contracted date of departure and prior to your contracted date of return, such examination date not having been set at the time of application; or b. you or your travel companion are required to re-sit an examination further to failing the initial examination, thus requiring the cancellation or interruption of your covered trip. 7. The re-scheduling of university or college classes to a date that occurs during your covered trip due to unusual circumstances beyond your control and the control of the university or college provided that both the unusual circumstances and the resulting rescheduling occurred after your travel arrangements were booked. 8. Your principal residence or that of a travel companion is rendered uninhabitable or your place of business or that of a travel companion is rendered unusable. This insured risk does not cover losses caused by your intentional fault. 9. The burglary of your or your travel companion s principal residence or place of business within 7 days of your scheduled departure date and as a result you or your travel companion must remain behind to make the burglarized location secure or to meet with the insurance company or police authorities. 10. The non-issuance or non-arrival, prior to your contracted date of departure, of a travel visa required to enter one or more countries that are part of your covered trip, provided the travel visa applicant (you or a travel companion) has applied within the required application period, has followed proper application procedures and is eligible to apply. The non-issuance cannot be the result of a late application or a renewed application after a previous refusal. The non-issuance of an immigration visa, work permit, work visa or student visa is not covered under this insured risk. 11. A new formal notice issued by the Canadian Government after this insurance was purchased, warning Canadian residents against travel to, or advising to leave, a specific region or country that is part of your covered trip. This insured risk applies only to Canadian residents. 12. Complication of pregnancy occurring to you, your spouse, a travel companion or a travel companion s spouse accompanying you on your covered trip, in the first 31 weeks of pregnancy. 13. A pregnancy diagnosed after paying for your covered trip if you, your spouse, a travel companion or a travel companion s spouse accompanying you on the covered trip is pregnant and the expected date of delivery is in the nine weeks before or after the contracted departure date of your covered trip You or your travel companion are medically unable to receive an injection that is unexpectedly and suddenly required for entry into a country, region or city that is originally part of your covered trip, provided that this requirement was not mandatory at the time you booked your travel arrangements and applied for this insurance. 15. Quarantine or hijacking of you or your travel companion during your covered trip. Benefits for Trip Cancellation You must report the cancellation of your covered trip immediately. See How to File a Claim, page 19, for instructions. When the insured risk occurs before departure, this Policy provides reimbursement of: 1. The non-refundable portion of unused insured travel arrangements paid in advance, up to the sum insured; or 2. the penalties applied for changes made to your travel arrangements due to the occurrence of insured risk 1, 2, 3, 5, 10 or 11; or 3. the penalty fee charged for the reinstatement of your unused travel points. This benefit applies to insured risks 1 to 14. Benefits for Trip Interruption You must report the interruption of your covered trip immediately. See How to file a Claim, page 19, for instructions. When the insured risk occurs after departure, this Policy provides for payment of the following benefits: 1. The non-refundable portion of unused insured travel arrangements paid prior to your contracted date of departure. This benefit does not reimburse the unused portion of any travel ticket. 2. The lesser of the following amounts: a. the cost for a one-way economy airfare to the contracted point of departure; or b. the fee charged by the airline to change your contracted date of return shown on your current and usable ticket. You must have purchased the return ticket prior to your departure. 3. In the event of your death, up to a maximum benefit of $3,000 towards the actual cost incurred for preparation of remains, plus the cost of transportation of the deceased insured person to their province or territory of residence, with an overall maximum of $10,000; or up to $3,000 for preparation of remains and up to $3,000 for burial at the place of death of the insured person.the cost of casket, urn, headstone or funeral service charges is not covered by this benefit. No amount will be payable under this benefit section if the same benefits are payable in respect of an insured person under the Emergency Hospital & Medical Expense Benefits section of this Policy. Travel Delay When your trip is delayed due to the delay of the outward or return flight or sea crossing, as specified on the travel ticket, for a period exceeding 12 hours for any reason beyond your control, such as strike, lockout, adverse weather conditions or mechanical breakdown or derangement of the aircraft or sea vessel (excluding any claims from withdrawal from service, temporarily or otherwise, of an aircraft or sea vessel on the order or recommendation of the Canadian Government or any similar body in any country), the Insurer will reimburse you for out-of-pocket expenses in connection with the delay, to a maximum of $150 ($200 if you have purchased Plan A). When your trip is delayed for a period exceeding 24 hours, you may cancel your trip and you will be reimbursed for any non-refundable portion of your travel arrangements. You must check in for the flight or the sea crossing before the intended departure time and obtain a written confirmation from the airline or shipping company, stating the period of the delay and the reason for such delay. This insurance coverage is in excess (i.e. second to all other insurance policies) of loss under this coverage or damage to items specifically or otherwise insured. Missed Connection When a pre-paid connecting common carrier that is part of your covered trip is delayed due to weather or mechanical failure, road closure or an accident, preventing you from departing, travelling or returning on the dates of the covered trip, provided that minimum connecting times were respected, or in the event of a schedule change by the connecting airline carrier with whom your booking was originally made and which is providing transportation for a portion of your travel arrangements while en route to your contracted destination, the Insurer will reimburse for additional travel and accommodation expenses you necessarily incur in order to reach the contracted trip destination, to a maximum of $1,500. You must take every reasonable step to complete the journey to the point of departure at least two hours (or the required minimum reporting time, whichever is greater) in advance of the contracted time of departure or return. Alternatively, in the event of the cancellation of a flight by an airline carrier that is providing a portion of your covered trip, the Insurer will reimburse the non-refundable prepaid airfare that can no longer be used for your covered trip, to a maximum of $1,000. Only one Missed Connection claim will be reimbursed under this Policy per insured person. However, a claim made for Missed Connection benefits will not invalidate a claim made for Emergency Hospital & Medical Expense Benefits arising from any cause described therein, which occurs after arrival your original destination. Additional Air Travel Related Expenses If an airline carrier that is providing a portion of your covered trip is delayed by more than four hours, the Insurer will reimburse necessary and reasonable expenses incurred for meals, essential telephone calls and taxi fares, up to a maximum of $25. If such airline carrier is delayed for more than six hours and the delay occurs overnight, an additional $150 can be claimed for the incurred overnight commercial accommodation. The maximum amount reimbursable by the Insurer in respect of this expense is limited to $200 per insured person per covered trip and can only be claimed if no other claim can be presented either under Travel Delay or Missed Connection Benefits and no other compensation was provided or offered by the delayed airline carrier. However, a claim for Travel Delay benefit will not invalidate a claim made for Trip Interruption Benefits. The overall maximum per family for this benefit is $400 per covered trip. Cancellation by Tour Operator In the event that your insured tour is cancelled or re-scheduled by the tour operator for any reason other than default by a travel supplier, the Insurer will reimburse you up to $1,000 for your non-refundable travel

7 arrangements paid in advance that are not part of the cancelled or rescheduled tour. Pet Care Expenses The Insurer will reimburse up to $100 for additional animal boarding fees if you were unable to return on your contracted date of return due to: a. your, your travel companion s or your accompanying immediate family member s emergency hospitalization covered under this policy; or b. the cessation of operation of the common carrier on which you were scheduled to travel due to the unannounced strike or unforeseen natural disaster. This benefit is payable only if your pet care exceeds the quoted cost for the pre-booked period of accommodation with a licensed boarding kennel, cattery or animal shelter, in which case the Insurer will reimburse you for the actual boarding charges incurred after the first 24 hours of your delayed return, subject to a maximum of $100. This benefit does not cover veterinary fees. Limitations and Restrictions 1. Coverage Limited to Non-refundable Sums Failure to notify Global Excel may limit the benefits payable to you. Only the sums that are nonrefundable on the day the insured risk occurs shall be considered for the purpose of the claim. 2. Condition Precedent to Liability - It is a condition precedent to the Insurer s liability under this policy that at the time of application: a. you know of no reason for you, an immediate family member, a travel companion, or a travel companion s immediate family member, to seek medical attention; b. you and your travel companion(s) must be deemed fit to undertake and complete the covered trip as booked. 3. If you purchased both your travel arrangements and this Policy on the internet through the Travel CUTS website and if all sectors of your travel arrangements were reserved at the same time and paid with one single credit card transaction, the connection times provided by these travel suppliers will be adequate for the Travel Delay and Missed Connection benefits to apply. However, if your travel arrangements were not booked on the Travel CUTS website or if they were booked on the Travel CUTS Website through successive bookings, the Travel Delay and Missed Connection benefits will be available only if the following connection times are met: Scheduled connection times between domestic airline connectors must be at least 2 hours and at least 4 hours if the connection involves an international connection or transborder connection. With respect to mixed connections (such as airline connecting to a land tour or cruise or any other land based connection), the scheduled time between arrival at the scheduled tour or cruise departure city and the schedule tour or cruise departure must be at least 8 hours. Exclusions This insurance does not cover losses or expenses caused directly or indirectly, in whole or in part, by: 1. Any sickness, injury or medical condition (other than a minor ailment), any heart condition or any lung condition which was not stable at any time during the 90 days prior to the effective date of this insurance. This exclusion applies to you, your travel companion and your or your travel companion's immediate family member Any injury, sickness or medical condition which, prior to the effective date of coverage: a. was such as to render medical consultation or hospitalization expected; or b. which has been shown, by prior medical history, as probable or certain to occur. 3. Expenses for which no charge would normally be made in the absence of insurance. 4. Committing or attempting to commit an illegal act or a criminal act. 5. Your participation in and/or voluntary exposure to any risk from: war or act of war, whether declared or undeclared; invasion or act of foreign enemy; declared or undeclared hostilities; civil war, riot, rebellion; revolution or insurrection; act of military power; or any service in the armed forces. 6. Labour disruptions or strikes (legal or illegal). Not applicable to the Travel Delay Benefit. 7. Sickness, injury or medical condition if you, a travel companion or an immediate family member of you or your travel companion are awaiting or undergoing any surgery, medical test(s) examination(s), monitoring or consultation prior to purchase: a. for an existing medical condition, other than a regular medical check-up. (In the eventuality of a claim, the dates of the last and next medical check-up must be provided.); b. for a new or changed medical condition which may eventually cause you to seek medical attention. 8. Medication, drugs or toxic substance abuse or overdose (whether or not you are sane); alcohol abuse, alcoholism or an accident while being impaired by drugs or alcohol or having an alcohol concentration that exceeds 80 milligrams in 100 millilitres of blood. 9. Your suicide (including any attempt thereat) or self-inflicted injury whether or not you are sane. 10. A disorder, disease, condition or symptom that is emotional, psychological, or mental in nature unless you are hospitalized on the date of occurrence for the event that caused a trip cancellation. 11. Treatment or surgery during a trip when the trip is undertaken for the purpose of securing or with the intent of receiving medical or hospital services, whether or not such trip is taken on the advice of a physician or surgeon. 12. A trip undertaken for the purpose of visiting a sick or injured person when the covered trip is cancelled, interrupted or delayed due to such person s medical condition or death therefrom. 13. Treatment or hospitalization of mother or child(ren) as a result of pregnancy, miscarriage, childbirth or complications of any of these conditions occurring in the 9 weeks before and/or after the expected delivery date. 14. A return earlier or later than the contracted date of return, unless recommended by the attending physician. 15. A return delayed more than 10 days beyond the contracted date of return, unless you, an immediate family member or a travel companion were hospitalized for at least 48 consecutive hours within the 10-day period Sickness, injury or medical condition you suffer or contract in a specific country, region or area for which the Department of Foreign Affairs and International Trade of the Canadian Government has issued a travel advisory or formal notice, before your departure date, advising Canadians not to travel to that specific country, region or area. If the Canadian Government issues a travel advisory or formal notice to leave that specific country, region or area, after your departure date, your coverage for sickness, injury or medical condition is limited to a period of 10 days from the date the advisory was issued, or to a period that is reasonably necessary to safely evacuate the country, region or area. In this exclusion sickness, injury or medical condition means any sickness, injury or medical condition that is attributable to the reason for which the travel advisory or formal notice was issued or any complications arising therefrom. 17. Any cause or event which might reasonably have been expected to necessitate the immediate return of the insured. 18. Self-exposure to exceptional risk, hazardous pursuits or occupations, or flight accident (unless you are travelling as a fare-paying passenger on a commercial airline). 19. Participation in: a. any sports as a professional athlete (person who engages in an activity as one s main paid occupation); b. any competitive motorized sporting events, racing or motorized speed contests; c. scuba diving (unless you hold a basic SCUBA designation from a Canadian certified school or a PADI, NAUI or SSI certification obtained prior to your departure from Canada); or d. hang-gliding. How to File a Claim You must substantiate your claim by providing all required documents for the applicable insurance coverage. Failure to do so may result in nonpayment of your claim. The Insurer is not responsible for charges levied in relation to any such documents. Note that incomplete documentation will be returned to you for completion. For a Claim under Trip Cancellation & Interruption Benefits 1. The physician recommending cancellation, interruption or delay of the covered trip must be your personal physician or a physician actively and personally attending to your care. 2. You must call Global Excel (see page 1 for the telephone numbers) and Travel CUTS on the day the insured risk occurs or on the next business day to advise them of your cancellation or interruption. Failure to notify may limit the benefits payable to you. Only the non-refundable prepaid amounts that apply on the day the insured risk occurs shall be considered for the purpose of your claim. 3. When you contact Global Excel and your Travel Agent by telephone, be prepared to provide the following information: a. your name; b. your policy number; c. the insurance plan you purchased; d. your contracted dates of travel for the covered trip;

8 e. the reason why you are cancelling or interrupting your covered trip; and f. the telephone, fax number and/or address where you can be contacted immediately. 4. Once you have reported the cancellation or interruption of your covered trip (as described in 2. and 3. above), you must submit the documents listed below to Global Excel at the address indicated on page 21. Make sure you complete the following steps. You must submit the following documents: 1. A claim form (available by contacting Global Excel) fully completed and signed by you as well as by your regular attending physician or the physician actively attending to your care who is recommending that you do not travel on the dates of your covered trip. 2. Original invoices receipts for transportation, meals and accommodation and transfer vouchers. 3. Original airline tickets. If any part of the airline ticket is refundable (taxes or penalty) please proceed first with the refund and send us a copy of the airline ticket and proof of refund. 4. Original receipts as proof of payment for your covered trip showing date(s), amount(s) paid, travel agency service fees and penalties and the method of payment for your insurance. This is required for all the deposits and final payments you made to your Travel Agent for your covered trip. For Travel Cancellation (See Insured Risks listed on page 13) 5. For a claim under insured risk 1, 2 or 3 due to death or hospitalization, a claim form (available by contacting Global Excel), a death certificate and hospital records as well as an explanation of your relationship to the person involved and why this event caused you to cancel your covered trip. 6. For a claim under insured risks 4, 5, 6, 7, 8, 10 and 11 proof of the insured risk s occurrence, as follows: a. for insured risk 4, a copy of the notice of hearing, summons, subpoena or any other court document showing the date you must appear in court; b. for insured risk 5, the original airline ticket(s) and/or an original cancellation invoice, the transfer vouchers, a police report detailing such circumstances, or in the case of a mechanical failure, an applicable letter from the rental agency confirming such failure or a commercial invoice detailing the necessary repairs to the vehicle; c. for insured risks 6 and 7, a letter from your college or university (on letterhead) explaining the reasons why you need to cancel your covered trip; d. for insured risk 8, the applicable reports from the proper authorities; e. for insured risk 10, the applicable reports from the embassy, consulate general and/or the Canadian government; f. for insured risk 11, a proof of the travel advisory or formal notice. For Travel Interruption (See Insured Risks listed on page 13) 7. For a claim under insured risks 1, 5, 11 and 15: a. The original: airline tickets, transfer vouchers, accommodation and other travel documents prepaid for your covered trip. b. An explanation of the events that caused you to interrupt your covered trip under the insured risk. c. Complete details and dates of the event and an explanation of your relationship to the person involved where a person other than yourself is involved. d. For out-of-pocket expenses: original receipts for the covered expenses incurred and an explanation of the expenses. e. For hospitalization, death or repatriation: a copy of the hospital records, death certificate, receipts from airlines, funeral homes and other expenses covered under the insured risk. 8. Global Excel may ask you or your attending physician to provide additional evidence to support your claim. The existence of a preexisting medical condition may be established using the medical records held by the claimant s attending physician(s) or any hospital(s) for the purpose of determining the validity of a claim. In this event, you will be responsible for any fees required to substantiate your claim. You may also be required to undergo examination by one or more of our physicians. In this event, Global Excel will cover any associated costs. PLEASE SEND ALL DOCUMENTS FOR YOUR CLAIM TO: Global Excel Management Inc. 73 Queen Street Sherbrooke, Quebec J1M 0C9 Section 6 - BAGGAGE & PERSONAL EFFECTS BENEFITS (Under Plan A) Coverage Offered Loss of, or damage to, the baggage and personal effects you own and use by reason of theft, burglary, fire or transportation hazards during the covered trip to a maximum of $800 ($1,500 with upgrade purchase), provided that coverage is in effect at the time of such loss or damage. Benefits The Insurer reserves the right to repair or replace damaged or lost property with other property of like quality and value and shall not be liable beyond the actual cash value of such property at the time of loss or damage. When, after a reasonable period of time, property lost by the common carrier is not found, any claim will be considered. 1. Personal Effects - The actual cash value or $300 ($1,000 with upgrade purchase), whichever is less, in respect of any one item or set of items. Jewellery, cameras (including camera equipment) or sport equipment are respectively considered a single item. 2. Document Replacement - In the event of loss or theft, reimbursement for the cost of replacing your passport or travel visa, to a maximum of $ Baggage Delay - Up to $100 to purchase necessary toiletries in the event that your checked baggage is delayed by the common carrier for more than 12 hours while en route and before returning to your contracted point of departure. To file a claim, you must supply proof of delay of checked baggage from the common carrier and original purchase receipts. 4. Personal Money If your personal money is lost or stolen while it was being carried by you or stored in a safety deposit box, the Insurer will reimburse you up to $100. Shortages due to error, omission or depreciation value are not covered. This benefit does not include mysterious disappearance. To file a claim, you must submit a police report. 5. Travel Tickets If your non-refundable, pre-paid, personalized tickets (such as airline, coach, rail tickets or passes for your personal use for travel), purchased in Canada are lost or stolen during your covered trip, the Insurer will reimburse you up to $250 towards the replacement costs for such tickets to allow you to continue your journey. Limitations and Restrictions Total Benefits Limited to Actual Expenses - The total benefits paid to you from all sources cannot exceed the actual expense which you have incurred. Exclusions This insurance does not cover losses or expenses caused directly or indirectly, in whole or in part, by: 1. Expenses for which no charge would normally be made in the absence of insurance. 2. Committing or attempting to commit an illegal act or a criminal act. 3. Property illegally acquired, kept, stored or transported. 4. Your participation in and/or voluntary exposure to any risk from: war or act of war, whether declared or undeclared; invasion or act of foreign enemy; declared or undeclared hostilities; civil war, riot, rebellion; revolution or insurrection; act of military power; or any service in the armed forces. 5. The purchase or replacement cost (whether prescribed or not), loss or damage to hearing devices, eyeglasses, contact lenses or artificial teeth, limbs, devices and any prescription resulting therefrom. 6. Loss or damage resulting from moths, vermin, deterioration or wear and tear. 7. Loss or damage caused by any imprudent action or omission by the insured person. 8. Loss or damage by theft from an unattended vehicle unless it was locked and there was visible evidence of forced entry. 9. Belongings insured under another insurance policy. 10. Jewellery, cameras, camera equipment and sport equipment while held by a common carrier. 11. Credit cards, securities, tickets (other than Travel Tickets), documents, items pertaining to business, paintings, statuary, china, breakage of fragile articles, glass objects, art objects, antiques, household effects. How to File a Claim You must substantiate your claim by providing all required documents for the applicable insurance coverage. Failure to do so may result in nonpayment of your claim. The Insurer is not responsible for charges levied in relation to any such documents. Note that incomplete documentation will be returned to you for completion

9 For a claim under Baggage & Personal Effects Benefits 1. Important - In the event of loss due to theft, burglary, robbery or malicious mischief, you must notify and obtain supporting documentary evidence from the police immediately upon discovery. Failure to report the loss to the police shall invalidate any claim under this insurance for such loss. 2. To file a claim, you must: a. take all reasonable steps to protect, save and/or recover the property; b. notify Global Excel of the loss within 24 hours (see page 1 for the telephone number); c. promptly notify and obtain supporting documentary evidence from the transportation authorities in whose custody the insured property was at the time of loss or promptly notify the hotel manager, tour guide or police; and d. provide adequate proof of loss, ownership and actual cash value within 90 days from the date of loss. Failure to comply with these conditions shall invalidate any claim under this insurance for such loss. You must submit: 3. The completed claim form (available by contacting Global Excel). 4. A copy of the insurance policy with the confirmation number identified prominently. 5. For loss: a. a report by the police and either the hotel manager, tour guide or transportation authorities in whose custody the insured property was at the time of loss; b. adequate proof of loss, ownership and itemized value along with a detailed statement within 90 days from the date of loss (failure to supply such information shall invalidate your claim); c. a Property Irregularity Report when luggage is lost or damaged while in the custody of the airline or common carrier; d. adequate proof of home insurance coverage and/or amount of deductible (if applicable). 6. For Baggage Delay: a. original itemized receipts for expenses actually incurred; b. a copy of the baggage claim ticket; c. a copy of your airline ticket; d. a copy of the airline report confirming the delay of your checked baggage including the reason and the duration of the delay; e. a copy of the delivery receipt for your checked baggage. PLEASE SEND ALL DOCUMENTS FOR YOUR CLAIM TO: Global Excel Management Inc. 73 Queen Street Sherbrooke, Quebec J1M 0C Section 7 24-HOUR PERSONAL ACCIDENT BENEFITS (Under Plans A and B) Coverage Offered If during the period of coverage, you sustain an accidental bodily injury caused by external violent means, which directly results in death or permanent total disability within a period of 12 consecutive months after the date of such injury, the Insurer will pay: 1. $25,000 - In the case of Accidental Death 2. $50,000 - In the case of In-Flight Accidental Death 3. $50,000 - In the case of accidental loss of limb (one or more limbs), or total irrecoverable accidental loss of sight in one or both eyes, or permanent total disability. No amount will be payable under this benefit for permanent total disability if you die before 12 consecutive months have elapsed following the date of the injury. If you suffer more than one of the above stated losses as the result of one injury, the Insurer s liability shall be limited to the largest amount payable for any one loss under these benefits. Disappearance: If your body is not found within one year after the date of disappearance due to the sinking or destruction of the conveyance on which you were travelling at the time of the covered accident and under such circumstances as would be covered, then it will be presumed that you have died an accidental death and the Insurer will pay the applicable benefit. Limitation of Liability and Aggregate Limit: The aggregate liability of the Insurer under this benefit with respect to any one insured person is limited to $50,000 in the aggregate. The maximum amount of 24-Hour Personal Accident for which you can be covered under this Policy and all other personal accident or accidental death and dismemberment or flight accident policies issued by the Insurer is limited to $500,000 in the aggregate. Any amount purchased in excess of this amount will be void and the premiums paid for it will be refunded. The Insurer s maximum liability under this Policy and all other personal accident or accidental death and dismemberment or flight accident policies issued by the Insurer with respect to any one incident is limited to $10,000,000 in the aggregate, which will be shared proportionately among all claimants entitled to claim. In addition, the Insurer s maximum liability under this Policy and all other personal accident or accidental death and dismemberment or flight accident policies issued by the Insurer under this benefit with respect to more than one incident occurring during a calendar year is limited to $20,000,000 in the aggregate. Exclusions This insurance does not cover losses or expenses caused directly or indirectly, in whole or in part, by: 1. Expenses for which no charge would normally be made in the absence of insurance. 2. Committing or attempting to commit an illegal act or a criminal act. 3. Your participation in and/or voluntary exposure to any risk from: war or act of war, whether declared or undeclared; invasion or act of foreign enemy; declared or undeclared hostilities; civil war, riot, rebellion; revolution or insurrection; act of military power; or any service in the armed forces. 4. Labour disruptions or strikes (legal or illegal). 5. Medication, drugs or toxic substance abuse or overdose (whether or not you are sane); alcohol abuse, alcoholism or an accident while being impaired by drugs or alcohol or having an alcohol concentration that exceeds 80 milligrams in 100 millilitres of blood. 6. Your suicide (including any attempt thereat) or self-inflicted injury whether or not you are sane. 7. Sickness, injury or medical condition you suffer or contract in a specific country, region or area for which the Department of Foreign Affairs and International Trade of the Canadian Government has issued a travel advisory or formal notice, before your departure date, advising Canadians not to travel to that specific country, region or area. If the Canadian Government issues a travel advisory or formal notice to leave that specific country, region or area, after your departure date, your coverage for sickness, injury or medical condition is limited to a period of 10 days from the date the advisory was issued, or to a period that is reasonably necessary to safely evacuate the country, region or area. In this exclusion sickness, injury or medical condition means any sickness, injury or medical condition that is attributable to the reason for which the travel advisory or formal notice was issued or any complications arising therefrom. 8. Self-exposure to exceptional risk, hazardous pursuits or occupations, or flight accident (unless you are travelling as a fare-paying passenger on a commercial airline). 9. Participation in: a. any sports as a professional athlete (person who engages in an activity as one s main paid occupation); b. any competitive motorized sporting events, racing or motorized speed contests; c. scuba diving (unless you hold a basic SCUBA designation from a Canadian certified school or a PADI, NAUI or SSI certification obtained prior to your departure from Canada); d. hang-gliding; or e. extreme sports. 10. Injury sustained while making a parachute jump for any purpose other than to save your life. How to File a Claim For a claim under 24-Hour Personal Accident Benefits, you must contact Global Excel for forms and instructions. Section 8 - INTERNATIONAL ASSISTANCE SERVICES Global Excel answers your questions 24 hours a day, 7 days a week. Emergency Call Centre No matter where you travel, professional assistance personnel are ready to take your call. We can also provide you with Canada Direct instructions and codes so that you deal only with Canadian telephone operators

10 Referrals Whenever possible, Global Excel will refer you to medical providers (hospitals, clinics and physicians) that are closest to where you are staying. With a referral, it is less likely that you will have to pay for services out-ofpocket. Benefit Information Explanation of your policy is available to you and to the medical providers who are treating you. Medical Consultants Our team of medical professionals, available 24 hours a day, will monitor the services given in the event of a serious emergency. If necessary, we will help you to return to Canada for the care you need. Urgent Message Relay In the event of an emergency, we will contact your travel companion to keep him apprised of your medical situation, and we will help you exchange important messages with your family. Interpretation Service We can connect you to a foreign language interpreter when required for emergency services in foreign countries. Direct Billing Whenever possible, we will instruct the hospital or clinic to bill Global Excel directly. Claims Information We will answer any questions you may have about the eligibility of your claim, our standard verification procedures and the way that your policy benefits are administered. Section 9 - GENERAL PROVISIONS Subrogation If an insured person suffers a loss covered under this policy, the Insurer is granted the right from the insured person to take action to enforce all the rights, powers, privileges and remedies of the insured person upon making payment or accepting the claim to the extent of the incurred losses, against any person, legal person or entity which caused such loss. Additionally, if No Fault benefits or other collateral sources of payment of expenses are available to the insured person, regardless of fault, the Insurer is granted the right to make a demand for, and recover those benefits. If the Insurer institutes an action, the Insurer may do so at its own expense, in the insured person s name, and the insured person will attend at the place of loss to assist in the action. If the insured person institutes a demand or action for a covered loss he shall immediately notify the Insurer so that it may safeguard its rights. The insured person shall take no action after a loss that will impair the rights of the Insurer set forth in this paragraph and shall do such things as are necessary to secure the Insurer s rights. Other Insurance This insurance is a second payor plan. For any loss or damage insured by, or for any claim payable under any other liability, group or individual basic or extended health insurance plan, or contracts including any private or provincial or territorial auto insurance plan providing hospital, medical, or therapeutic coverage, or any other insurance in force concurrently herewith, amounts payable hereunder are limited to those covered benefits incurred outside the province of residence that are in excess of the amounts for which an insured person is insured under such other coverage. All coordination with employee related plans follows Canadian Life and Health Insurance Association Inc. guidelines. In no case will the Insurer seek to recover against employment related plans if the lifetime maximum for all in-country and out-of-country benefits is $50,000 or less. If the lifetime maximum for all in-country and out-of-country benefits is over $50,000, the Insurer will coordinate benefits only above this amount. Misrepresentation and Non-Disclosure The entire coverage under this policy shall be voidable if the Insurer determines, whether before or after loss, you have concealed, misrepresented or failed to disclose any material fact or circumstance concerning this policy or your interest therein, or if you refuse to disclose information or permit the use of such information, pertaining to any of the insured persons under this contract of insurance. Arbitration Notwithstanding any clause in the present policy, the parties hereto undertake to submit to an arbitration procedure, to the exclusion of the courts, any present or future dispute relating to a claim. The arbitration proceedings shall be governed by arbitration laws in force in the Canadian province or territory of residence of the insured person. The parties agree that any action will be referred to arbitration. Applicable Law This contract of insurance is governed by the laws of your Canadian province or territory of residence. Any legal proceeding by you, your heirs or assigns shall be brought in the courts of the Canadian province or territory of residence of the insured person. Payment of Benefits All benefits, other than for loss of life, are payable to you or on your behalf. Benefits for loss of life are payable to your estate unless a beneficiary is otherwise designated by you in writing directly to Travel CUTS or the Insurer. Any claims paid to you will be payable in Canadian funds. Where claims are payable in foreign currency, the rate of exchange is based on the rate effective on the date when the claim payment is made to you. Safeguarding your Privacy The Insurer places great importance on the protection of your privacy. The Insurer collects your personal information when you apply for this insurance and in the event of a claim, to provide you with insurance services and to analyze your claim. This information remains confidential, as is required under applicable federal and provincial laws. In the event of a claim, the Insurer may collect your personal health information held by a third party. This information may be released to employees of Global Excel and the Insurer for claims analysis and to better serve you. In no case will the Insurer release this information to any person or organization that is not clearly entitled to it without first seeking your consent. For privacy information, please see or call us at Section 10 STATUTORY CONDITIONS The Contract Note that this Policy, the Application and the Policy Confirmation all form part of your insurance contract and must be read as a whole. The Insurer will pay benefits specified in the Policy upon payment of the required premium, submission of a correct and complete application form and occurrence of an insured risk, subject to the terms, conditions, limitations, exclusions, definitions and other provisions of this Policy. Waiver The Insurer shall be deemed not to have waived any condition of this contract, either in whole or in part, unless the waiver is clearly expressed in writing signed by the Insurer. Copy of Application The Insurer shall, upon request, furnish to the insured or to a claimant under the contract a copy of the application. Material Facts No statement made by you at the time of application for this contract shall be used in defence of a claim under or to avoid this contract unless it is contained in the application or any other written statements or answers furnished as evidence of insurability. Notice and Proof of Claim The insured or a beneficiary entitled to make a claim, or the agent of either of them shall: a. give written notice of claim to Global Excel by delivery thereof or by sending it by registered mail to Global Excel not later than 30 days from the date the claim arises under the contract on account of an accident or sickness; b. within 90 days from the date a claim arises under the contract on account of an accident or sickness, furnish Global Excel such proof of claim as is reasonably possible in the circumstance of the happening of the accident or the commencement of the sickness and the loss occasioned thereby, the right of the claimant to receive payment, his or her age, and the age of the beneficiary, if relevant; and c. if so required by Global Excel, furnish a satisfactory certificate as to the cause or nature of the accident, sickness or injury for which a claim may be made under the contract. Failure to Give Notice or Proof Failure to give notice of claim or furnish proof of claim within the prescribed period above does not invalidate the claim if the notice or proof is given or furnished as soon as is reasonably possible, and in no event later than one year from the date of emergency if it is shown that it was not reasonably possible to give notice or furnish proof within the time so prescribed. Insurer to Furnish Forms for Proof of Claim The Insurer shall furnish forms for proof of claim within 15 days after receiving notice of claim, but where the claimant has not received the forms within that time the claimant may submit his or her proof of claim in the form of a written statement of the cause or nature of the accident or sickness giving rise to the claim and of the extent of the loss

11 Rights of Examination As a condition precedent to recovery of insurance money under this contract: a) the claimant shall afford to the Insurer and Global Excel an opportunity to examine the insured person when and so often as it reasonably requires while the claim hereunder is pending; and b) in the case of death of the insured, the Insurer and Global Excel may require an autopsy subject to any law of the applicable jurisdiction relating to autopsies. When Money Payable All money payable under this contract shall be paid by the Insurer within 60 days after it has received proof of claim. Limitation of Actions An action, arbitration or similar proceeding against the Insurer for the recovery of a claim under this contract shall not be commenced more than one year (two years in the Northwest Territories, three years in the province of Quebec) after the date the insurance money became payable or would have become payable if it had been a valid claim. If this limitation is invalidly shorter than the limitation prescribed by the laws of the province or territory in which this policy was issued, an action, arbitration or similar proceeding against the Insurer shall not be commenced later than the shortest limitation period prescribed by the laws of that province or territory. The limitation periods stated in this section apply to all plans and benefits of this policy and to all endorsements thereof. Section 11 DEFINITIONS Accident or Accidental means a fortuitous, sudden, unforeseen and unintentional event exclusively attributable to an external cause resulting in bodily injury. Actual Cash Value means the estimated value at the time of loss. Canadian Resident means a person who resides and has a valid address in a Canadian province or territory. Child(ren) means an unmarried child of the insured person or his spouse who is at the date of purchase, dependant on you for support and is: a. under 21 years of age; b. a full-time student who is under 26 years of age; c. of any age with a permanent physical impairment or a permanent mental deficiency. Common Carrier means a conveyance (bus, taxi, train, boat, airplane or other vehicle) which is licensed, intended and used to transport paying passengers. Contracted, in reference to a destination, a date or the time and place of arrival or departure, means that which is indicated in the travel documents for the covered trip. Covered Trip means the travel arrangements which you have contracted and paid prior to your departure from Canada and for which an insurance premium has been paid in full to cover the total non-refundable amount of such travel arrangements. Day means 24 consecutive hours. Emergency means that you require immediate medical treatment for the relief of acute pain or suffering resulting from an unexpected and unforeseen sickness or injury occurring while on a covered trip and that such medical treatment cannot be delayed until your return to your province, territory of residence, Canada or for travel within your province or territory of residence, your usual place of residence. Extreme Sports means an unpaid activity which has a high level of inherent danger or difficulty and which involves speed, height, a high level of physical exertion, and/or highly specialized equipment. Family means you, your spouse and your children who are travelling with you and with whom you share accommodations during your covered trip. Global Excel means the company appointed by the Insurer to provide medical assistance and claims services. Hospital means an institution which is designated as a hospital by law; which is continuously staffed by one or more physicians at all times; which continuously provides nursing services by graduate registered nurses; which is primarily engaged in providing diagnostic services and medical and surgical treatment of a sickness or injury in the acute phase, or active treatment of chronic conditions; which has facilities for diagnosis, major surgery and in-patient care. The term hospital does not include convalescent, nursing, rest or skilled nursing facilities, whether separate from or part of a regular general hospital, or a facility operated exclusively for the treatment of persons who are mentally ill, aged, drug or alcohol abusers. Hospitalized or Hospitalization means an insured who occupies a hospital bed for more than 24 hours for medical treatment and for which admission was recommended by a physician when medically necessary. Immediate Family Member means your mother, father, sibling, child, spouse, grandparent, aunt, uncle, niece, nephew, mother-in- law, father-inlaw, daughter-in-law, son-in-law, brother-in-law and sister-in-law. In-Flight Accidental Death means death caused by accidental damage to the aircraft in which you were travelling at the time of the accident. Injury means an unexpected and unforeseen harm to the body caused by an accident, occurring while on a covered trip and requiring immediate emergency treatment that is covered by this policy. Insured, Insured Person, You, Your and Yourself refers to any eligible person who is named on the confirmation of insurance. Loss of Limb means the actual, complete severance at or above the wrist or ankle joint. Loss of Sight means the complete and irrecoverable loss of eyesight, which loss cannot be substantially corrected or remedied through simple treatment or corrective lenses. Medical Treatment means any reasonable procedure which is medical, therapeutic or diagnostic in nature, which is medically necessary and which is prescribed by a physician. Medical Treatment includes hospitalization, basic investigative testing, surgery, prescription medication (including prescribed as needed) or other treatment directly related to the sickness, injury or symptom. Medically Necessary, in reference to a given service or supply, means such service or supply: a. is appropriate and consistent with the diagnosis according to accepted community standards of medical practice; b. is not experimental or investigative in nature; c. cannot be omitted without adversely affecting your condition or quality of medical care; and d. cannot be delayed until your return to your province, territory of residence, Canada or for travel within your province or territory of residence, your usual place of residence. Minor Ailment means any sickness or injury which does not require the use of medication for a period greater than 15 days, more than one followup visit to a physician, hospitalization, surgical intervention, or referral to a specialist, and which ends at least 30 consecutive days prior to the departure date. However, a chronic condition or any complication of a chronic condition is not considered a minor ailment. Permanent Total Disability means the inability, at any time in the future, to be enrolled in school taking a minimum of three concurrent courses, or to perform the duties of any occupation for wages or profit. Physician means a medical practitioner whose legal and professional standing within his jurisdiction is equivalent to that of a doctor of medicine (M.D.) licensed in Canada, who is duly licensed in the jurisdiction in which he practices, who prescribes drugs and/or performs surgery and who gives medical care within the scope of his licensed authority. A physician must be a person other than yourself or an immediate family member. Reasonable and Customary Costs means costs that are incurred for approved, eligible medical services or supplies that do not exceed the standard fee of other providers of similar standing in the same geographical area, for the same medical treatment of a similar sickness or injury. Sickness means a disease or disorder of the body which results in loss while this coverage is in effect. The sickness must be sufficiently serious to prompt a reasonably prudent person to consult a physician for the purpose of medical treatment. Spouse means the person to whom you are legally married or with whom you have been residing for at least the last 12 months. Stable means any medical condition (other than a minor ailment) for which all the following statements are true: a. there has been no new diagnosis, treatment or prescribed medication; b. there has been no change in treatment or change in medication, including the amount of medication to be taken, how often it is taken, the type of medication or change in treatment frequency or type. Exceptions: the routine adjustment of Coumadin, Warfarin, insulin or oral medication to control diabetes (as long as they are not newly prescribed or stopped) and a change from a brand name medication to a generic brand medication (insofar as the dosage is not modified); c. there has been no new symptom, more frequent symptom or more severe symptom; d. there have been no test results showing deterioration; e. there has been no hospitalization or referral to a specialist (made or recommended) and you are not awaiting results and/or further investigations for that medical condition

12 Sum Insured means the maximum sum payable that you selected at the time of purchase and paid the premium for, or that applies to a given insurance coverage. Travel Companion means a person who is sharing travel arrangements with you from your point of departure on the covered trip, including accommodation and transportation, and who has paid such accommodation or transportation in advance of departure. A maximum of three persons will be considered your travel companions. Travel Visa means the visa required for your entrance to a foreign country (not an immigration, employment or student visa). Treated means that you have been hospitalized, have been prescribed (including prescribed as needed), have taken or are currently taking medication, or have undergone a medical or surgical procedure. Vehicle means any automobile, station wagon, mini-van, sports utility vehicle (for on road use), motorcycle, boat, pick-up truck or a mobile home, camper truck or trailer home under 36 feet in length, used exclusively for the transportation of passengers other than for hire, in which you are a passenger or driver during your trip. Underwritten by: IDENTIFICATION OF INSURER Administered by: RSA and the RSA logo are trademarks owned by RSA Insurance Group plc, licensed for use by Royal & Sun Alliance Insurance Company of Canada. The etfs logo is a registered trademark of Expert Travel Financial Security (E.T.F.S.) Inc. The insured is requested to read this policy, and if incorrect, return it immediately for alteration. THIS POLICY CONTAINS CLAUSES WHICH MAY LIMIT THE AMOUNT PAYABLE. Note: