Common use of Extension of Coverage Clause in Contracts

Extension of Coverage. Important: For Emergency Health Care, you are insured only for trips whose duration is equal to or less than the number of days indicated in the table of coverage. For trips that exceed the number of days indicated, you must obtain extended coverage from Xxxxxxxxxx Financial Security Life Assurance Company. If you fail to obtain extended coverage for Emergency Health Care, you will not be covered under this coverage during your trip. Note: The extended coverage must cover the entire duration of your trip, but you will pay only for the days of coverage not included under this insurance. Please note that the departure and arrival dates are considered complete days when calculating the duration of the trip. To contact the Insurer • Requests for information • Claims • Extended coverage Canada or United States (Toll free) Anywhere in the world (Call collect) 0-000-000-0000 000-000-0000 Prior communication with the Assistance Service If an illness or accident occurs outside your province of residence, you MUST contact the Assistance Service for prior approval before going to a healthcare facility. If you fail to call the Assistance Service in advance or if you disregard their instructions, you will have to pay a portion of your expenses. (See also exclusion number 12.) This portion equals 30% of the first $10,000 of expenses incurred that would otherwise be eligible for reimbursement. For example, if the benefit would normally have been $1,000, only $700 will be reimbursed if the Assistance Service is not contacted in advance or if you do not follow their instructions. If you are unable to do so, a person accompanying you must contact the Assistance Service on your behalf within 24 hours of the illness or accident. To contact the Assistance Service Canada or United States (Toll free) Anywhere in the world (Call collect) 0-000-000-0000 000-000-0000

Extension of Coverage. Important: For Emergency Health Care, you are insured only for trips whose duration is equal to or less than the number of days indicated in the table of coverage. For trips that exceed the number of days indicated, you must obtain extended coverage from Xxxxxxxxxx Financial Security Life Assurance Company. If you fail to obtain extended coverage for Emergency Health Care, you will not be covered under this coverage during your trip. Notenote: The extended coverage must cover the entire duration of your trip, but you will pay only for the days of coverage not included under this insurance. Please note that the departure and arrival dates are considered complete days when calculating the duration of the trip. To contact the Insurer • Requests for information • Claims • Extended coverage Canada or United States (Toll free) Anywhere in the world (Call collect) 0-000-000-0000 000-000-0000 Prior communication with the Assistance Service If an illness or accident occurs outside your province of residence, you MUST contact the Assistance Service for prior approval before going to a healthcare facility. If you fail to call the Assistance Service in advance or if you disregard their instructions, you will have to pay a portion of your expenses. (See also exclusion number 12.) This portion equals 30% of the first $10,000 of expenses incurred that would otherwise be eligible for reimbursement. For example, if the benefit would normally have been $1,000, only $700 will be reimbursed if the Assistance Service is not contacted in advance or if you do not follow their instructions. If you are unable to do so, a person accompanying you must contact the Assistance Service on your behalf within 24 hours of the illness or accident. To contact the Assistance Service Canada or United States (Toll free) Anywhere in the world (Call collect) 0-000-000-0000 000-000-00000000 To speak directly with a Canadian operator who will put through your collect call to the Assistance Service, dial the Canada Direct access code from the country you are in. Codes are available at xxxxxxxxxxxxxxxx.xxx. The insurer will compensate you for the costs incurred to call the Assistance Service.

Extension of Coverage. Important: For Emergency Health Care, you are insured only for trips whose duration is equal to or less than the number of days indicated in the table of coverage. For trips that exceed the number of days indicated, you must obtain extended coverage from Xxxxxxxxxx Financial Security Life Assurance Company. If you fail to obtain extended coverage for Emergency Health Care, you will not be covered under this coverage during your trip. Note: The extended coverage must cover the entire duration of your trip, but you will pay only for the days of coverage not included under this insurance. Please note that the departure and arrival dates are considered complete days when calculating the duration of the trip. To contact the Insurer • Requests for information • Claims • Extended coverage Canada or United States (Toll free) 0-000-000-0000 Anywhere in the world (Call collect) 0-000-000-0000 000-000-0000 -5- Prior communication with the Assistance Service If an illness or accident occurs outside your province of residence, you MUST contact the Assistance Service for prior approval before going to a healthcare facility. If you fail to call the Assistance Service in advance or if you disregard their instructions, you will have to pay a portion of your expenses. (See also exclusion number 12.) This portion equals 30% of the first frst $10,000 of expenses incurred that would otherwise be eligible for reimbursement. For example, if the benefit beneft would normally have been $1,000, only $700 will be reimbursed if the Assistance Service is not contacted in advance or if you do not follow their instructions. If you are unable to do so, a person accompanying you must contact the Assistance Service on your behalf within 24 hours of the illness or accident. To contact the Assistance Service (Toll free) Canada or United States (Toll free) Anywhere in the world (Call collect) 0-000-000-0000 000-000-00000000 Anywhere in the world (Call collect)